Tag Archive: PSA Delivery


1 jan 17

Pag-IBIG offers the provision of home financing programs for both new and repossessed (or acquired) housing properties that were developed by Pag-IBIG.  Active members have the option to purchase an acquired Pag-IBIG property at negotiated rates.

Acquired assets are foreclosed properties (house and lot) that are auctioned off by Pag-IBIG to the public at cheaper rates.  These are not “brand new” houses; these are properties that are repossessed due to non-payment of the original owners.  Once auctioned by Pag-IBIG, it becomes a possible alternative for other active members that are unable to take on the costs of a brand new housing unit.

If you are thinking of applying for a Pag-IBIG housing loan, it may be good to weigh your options and see if an acquired asset is something you can consider.

Here are the steps and requirements needed when applying for a Pag-IBIG loan for acquired properties under negotiated sale:

  1. Reserve the property and pay the Php 1,000 reservation fee (non-refundable/non-transferrable). Bring one valid ID and choose among the following modes of payment:
  • Cash – 30% discount; payment term of 1 month.
  • Installment – 20% discount; up tp 12 months only, with 12% interest rate per annum.
  • Housing Loan – 10% discount, for qualified members of Pag-IBIG Fund; up to 30 years, provided that borrower’s age shall not exceed 70 years old at date of loan maturity.
  1. For purchase through housing loan, submit the complete documentary requirements within 30 calendar days from payment of reservation fee and pay the processing fee of Php 2,000 and Documentary Stamp Tax of Php 100.00.
  2. Receive the Notice of Approval of Loan and pay the one (1) year advance insurance premiums within 30 days.
  3. Execute and submit the notarized Deed of Conditional Sale and other mortgage documents evidencing the loan in favor of the Fund.

Below are the BASIC REQUIREMENTS for:

SELF-EMPLOYED applicants:

  • Accomplished Buyer’s Information Sheet (2 copies) with recent 1×1 ID photo (2 copies).
  • One (1) valid ID (photocopy, back to back) of Principal Buyer and Spouse, Co-Buyer and Spouse, if applicable.
  • Proof of Income for (any of the following):
    1. Owned Business
      • Income Tax Return (ITR)
      • Audited Financial Statements
      • Official Receipt of Tax Payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit.
    2. Commission Base
      • Commission Vouchers reflecting the issuer’s name and contract details (for the last 12 months).
    3. Drivers
      • Certified True Copy of Transport Franchise issued by an appropriated government agency (LGU for tricycles, LTFRB for other PUVs).
    4. Foreign Remittances and Pensions
      • Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.
    5. Rental Payments
      • Copy of Lease Contract and Tax Declaration (if income is derived from rental payments).
    6. Sari-sari Store/Mini Groceries, Sub-contractor, On-call Maintenance, Technician
      • Brgy. Certificate/Clearance
      • Properly Accomplished Certificate of Engagement, duly notarized.

Additional Requirements:

  • Copy of Frequently Asked Questions (FAQs) with signature.
  • Photocopy of Php 1,000 reservation fee receipts.
  • Photocopy of 1 valid ID of the signatory in the Certificate of Engagement
  • Insurance Coverage (if applicable only)
    • Health Statement form (Medical Questionnaire)
      • For borrowers over 60 years old
      • For borrowers up to 60 years old, if loans are over P2.0M to P6.0M
    • Health Statement Form (Medical Questionnaire) and a copy of the result of a medical examination conducted prior to assignment overseas as required by the employment agency.
    • For OFW borrowers over 60 years old.

Locally Employed

Basic Requirements:

  • Accomplished Buyer’s Information Sheet (2 copies) with recent 1×1 ID photo (2 copies)
  • One (1) valid ID (photocopy, back to back) of Principal Buyer and Spouse, Co-buyer and Spouse, if applicable.
  • Proof of Income (any of the following):
    • Notarized Certificate of Employment and Compensation (CEC) indicating the gross monthly income and monthly allowances or monthly benefits received by the employee.
    • Certified One (1) month payslip, within the last three (3) months prior to date of loan application.
    • Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application, with attached BIR Form No. 2316, stamped received by the BIR.

Note: Government employees must present one-month payslip issued within the last three months prior to the date of loan application and submitted together with CEC or ITR.

Additional Requirements:

  • Copy of Frequently Asked Questions (FAQs) with signature.
  • Photocopy of Php 1,000 reservation fee receipt.

Insurance Coverage (if applicable only)

  • Health Statement Form (Medical Questionnaire)
    • For borrowers over 60 years old
    • For borrowers up to 60 years old, if loans are over P2.0M to P6.0M
  • Health Statement Form (Medical Questionnaire) and a copy of the result of the medical examination conducted prior to assignment overseas as required by the employment agency.
    • For OFW borrowers over 60 years old.

If you have more questions about Pag-IBIG’s acquired assets, you may call their hotline at 02-724-4244.  They are available 24×7.

Source: www.pagibigfund.gov.ph

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1 jan 15

So the DFA needs our help in rebuilding their database and we can do so by presenting a copy of our PSA birth certificate when renewing our passports.  Do you have a copy of your birth certificate yet?

I used to keep several copies of my birth certificate in my desk; these were printed on the old yellowish sheet with NSO’s logo on the upper left hand (or was it right?) corner of the document.  When my passport was due for renewal last June 2016, I was advised by my friend to secure a new copy of my birth certificate before going to the DFA for my application.

“Bakit, may expiration ba ang birth certificate? Di ba wala naman?”

Of course, my birth certificate does not have an expiration date!  What my friend was trying to tell me (pala!) was that the PSA (formerly NSO), regularly updates (or maybe, reprints) the copies of our documents on security papers to discourage the circulation of unauthorized and fake copies made elsewhere.  Embassies and other government agencies are duly advised whenever the PSA is set to release certificates printed on new security papers so that these offices would know when the documents being presented to them are updated copies or old files (like my copies of my birth certificate).

So if you think you still have several copies of your birth certificate left in your stash, check them now to make sure these are updated ones.  Foremost, it must bear the new seal of the PSA, and not the former NSO.  If your document is worn out, has some minute tears, or the entries are hardly readable, please get yourself new copies.

I got my latest copies from PSAHelpline.ph.  It’s an online, one-stop birth certificate ordering site for all types of PSA documents you will ever need: birth, marriage, CENOMAR, and death certificates.  They deliver nationwide too so you won’t have to go to a PSA office anymore.

Birth, marriage, and death certificates cost Php 365.00 per copy while the CENOMAR costs Php 465.00 per copy.  Visit their user-friendly website now so you can place your orders ahead of the others!

Word of the wise: As soon as you have confirmed an appointment with the DFA for your passport application or renewal, get new copies of your PSA birth certificate and marriage certificate (for married female applicants who wish to change their last name in their passport).  Don’t wait until the last minute to do this because it’s a primary documentary requirement, especially if your old passport is not an e-passport.

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1 jan 14

The President signed the Telecommuting Act a few days before Christmas day last year.  Telecommuting is a work arrangement where employees are allowed to perform their tasks outside of the office, often from home, or a location close to home.  One only needs to have a stable internet connection, a laptop, and a mobile phone – equipment that will help him deliver his assignments as if he were working in an office.  It is called telecommuting because instead of traveling to the office, you now only travel (or commute) via telecommunication links such as phone, email, or video conferencing.

Now some of us may have already done this in the past – I know I have!  That is why I am glad that telecommuting is now an official policy that all private companies and businesses can implement.

The law, now known as Republic Act 11165, provides employers the option to have their workers perform their jobs from home on a voluntary basis.  As mentioned above, this is nothing new to Manila-based employees and maybe to some who work in private establishments based in the provinces.  Unbeknownst to us, telecommuting is a widely accepted work policy in other parts of the world.  Below are some interesting facts we gathered from the GlobalWorkplaceAnalytics.com and FlexJobs.com regarding telecommuting:

  • About 4.3 million employees worldwide (3.2% of the workforce) now work from home at least half the time.
  • Some Fortune 1000 companies have ‘face-lifted’ their office interiors to consider the fact that most, if not all, employees will be working outside of their building at one point.

Aren’t you glad telecommuting has finally been turned into law in our country this year?

While we wait for the Implementing Rules and Regulations (IRR) of this law, we summarized four important things we all need to know and understand the Telecommuting Act:

  1. Private business and company employers can offer their employees the telecommuting program on a voluntary basis.
  2. The work-from-home arrangement between the employer and his employees must be made based on minimum labor standards.  All work hours (within the work-from-home agreement) must be properly logged, monitored, and compensated.
  3. All other wage policies apply to the work rendered in telecommuting such as overtime, rest days, and leave entitlements.  They must also be given night shift differentials, regular holidays, and special non-working holidays.
  4. Their workload must still be corresponding to their job description, not more than (or less than) what their contemporaries at the office are assigned with.  They should be provided with proper training and afforded the same career development opportunities.

The telecommuting scheme will be tested by the DOLE through a pilot program for selected industries.  The test will not last more than 3 years.

What are your thoughts on this new labor law?  We’d be glad to hear from you!

Sources:

www.rappler.com

www.usnews.com

www.globalworkplaceanalytics.com

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SSS and PhilHealth Contribution Tables for 2019

1 jan 08

Happy New Year, fellow SSS and PhilHealth members!

We are sharing with you this year’s contribution tables to serve as your guide, especially if you are a kasambahay employer and a voluntary member.

SSS Contribution Table 2019 for Employed Members, OFWs, and voluntary members:

sss-contribution-table-ofw-voluntary-self-employed-2019

PhilHealth Contribution Table 2019 for Employed Members

philhealth

Last year, PhilHealth increased its monthly premium contributions for employed members.  Effective January 2018, an employed member’s contribution is 2.75% computed straight based on the monthly basic salary, with a salary floor of Php 10,000 and a ceiling of Php 40,000, equally shared by the employer and the employee.

Kasambahay contributions shall still be shouldered by the employer if the kasambahay is receiving a monthly salary of no more than Php 5,000.  Otherwise, the kasambahay shall pay his or her share.

PhilHealth Contribution Table 2019 for OFWs

The Php 2,400/year contribution rate still applies to OFWs under the OWP (Overseas Workers’ Program) applicable to land-based OFWs.

They have the option to pay the annual amount in full or make two payments of Php 1,200 every six months.

PhilHealth Contribution Table for Self-employed, Individually Paying Members

If the member’s monthly income is Php 25,000 and below, the contribution rate is Php 2,400 per year.

If his monthly income is above Php 25,000, his contribution rate is Php 3,600 per year.

They may choose to pay on a quarterly, semi-annual, or annual basis.

PhilHealth Contribution Table for Sponsored Program Members

A sponsored member’s annual premium is Php 2,400.

He is also entitled to identified in-patient hospital care (including the Z Benefit Package), out-patient care services, and other health care services provided by accredited health care centers and providers.

Sources:

http://www.sss.gov.ph

http://www.philhealth.gov.ph

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1 jan 07

A lot of people have been asking when the PhilSys ID (or National ID) will be implemented so we did some research to find out.

Earlier, we mentioned that the Philippine Statistics Authority (PSA) has been assigned to manage the implementation of the national ID system. Last October 2018, the PSA announced that they shall begin a “proof of concept” trial period for the issuance of the said identification cards.

In order to test the process created for the project, one million unconditional cash transfer beneficiaries of the DSWD will be asked to register for national IDs.  They shall also be given the privilege to begin using their national IDs ahead of other Pinoys.  The POC shall be carried out by the Philippine Postal Corporation (PHLPost) by virtue of an agency-to-agency agreement with the PSA.  This will last around six months and is set to start this month.

From this test run, the PSA hopes to identify areas of the system that need adjustments.  Any fine-tuning needed for the registration process or technical specification shall be indicated in the contract prior to the full implementation of the program.

This year, PSA is targeting to register the first six million Filipinos that are listed as Unconditional Cash Transfer Beneficiaries (UCTB).  And by 2020, they shall target the registration of 25 million Filipinos and resident aliens every year.  By 2023, all Pinoys shall have his own PhilSys ID.

For updates on the National ID system, follow our blog.

http://www.rappler.com

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Dec 03

December is Firecrackers Injury Prevention Month as announced by PhilHealth in their Facebook page. I think it is a timely and relevant campaign as Christmas and New Year are but a few weeks away and we all know that the Pinoy holidays are never complete if we do not light a few fireworks.  Because of this, hospitals and clinics are also bracing themselves for the onslaught of wounded patients due to firecracker burning.

The PhilHealth case rate packages include burns that require hospital confinement.  For your proper information and guidance below are the rates and conditions when availing this type of benefit:

  • Burn A Rate: Php 8,500
  • Burn B Rate: Php 10,600
  • Confined at: Level 1, 2, and 3 hospitals
  • Conditions when availing:
    • The victim must be a listed qualified dependent or is an active PhilHealth member himself and has complete qualifying contributions;
    • Has not used up his 45-day regular benefit limit;
    • Is admitted at a PhilHealth-accredited facility for no less than 24 hours;
    • Is attended to by a PhilHealth accredited doctor.

How do you determine if the wound is Burn A rate or Burn B?

Burn A category are first degree burns in the areas of the head and neck, shoulders and upper limbs.   Burn B category are second and third degree burns involving multiple regions and affecting 20% to 50% of body surface.

For the complete list of cases for A and B burns, click this link: https://www.philhealth.gov.ph/circulars/2017/annexes/0019/AnnexA-MedicalCaseRates.pdf

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Stay safe this holiday season, whether from sickness brought about by the changing weather or injuries from the many merry-making and parties you will be attending in the days to come.  Always make sure that your PhilHealth contributions are updated and accurate to avoid problems with your hospital bills, especially during the holidays when government offices are closed.

Source: www.philhealth.gov.ph

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Sept 12

Securing an appointment with the DFA to apply for a passport or have your old one renewed has proven to be quite a challenge for most.  Good thing the DFA has made courtesy lanes available for certain types of applicants.

Here is the list of requirements in order to be eligible for the DFA’s courtesy lanes:

  1. Senior Citizens (60 years old and over).
  • Senior citizens are allowed one companion.
  • The companion of the senior citizen must be an immediate family member (i.e. spouse, siblings, adult children, adult grandchildren, and children-in-law of the senior citizen and must show proof of relationship.
  • If the companion is not an immediate family member, the companion has to show proof of travel arrangements (e.g. confirmed plane or hotel booking) with the senior citizen to be able to avail of the courtesy lane facility.
  1. People with disabilities (PWDs) with proof of disability.
  • PWD is allowed one (1) companion.
  • The companion of the PWD must be an immediate family member, i.e. spouse, siblings, adult children, adult grandchildren, parents-in-law, and children-in-law of the PWD and must show proof of relationship.
  • If the companion is not an immediate family member, the companion has to show proof of travel arrangements (e.g. confirmed plane or hotel booking) with the PWD to be able to avail of the courtesy lane facility.
  1. Solo parent with valid solo parent card, and his/her minor children.
  2. Minors seven years old and below and his/her parents and minor siblings.
  3. Pregnant women
  • If pregnancy is not visible, the applicant must present medical certificate/records.
  1. Overseas Filipino Workers (Land and Sea-based) with valid proof of status, such as:
  • Valid iDOLE card
  • Valid employment contract
  • Valid work visa
  • Seaman’s book stamped at international border less than 365 days from the date of application.

Senior citizens, PWDs, solo parents, and their minor children, pregnant women, and OFWs have the option to choose from regular or expedited processing of their passport application.

The companion of the senior citizens and PWDs, minors seven years old and below, their parents and minor siblings, are to be assessed expedited processing fee because they are not entitled to use the courtesy lane; they are accommodated for their convenience.

All applications made on Saturdays – whether those entitled to use the Courtesy Lane Facility or those accommodated for their convenience – shall be assessed expedited processing fees based on the relevant provision of the Passport Act.

 

Source: http://consular.dfa.gov.ph

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Sept 06

Sa October 1, 2018, ang lahat ng PhilHealth members ay dapat nakakumpleto ng hindi bababa sa 9 months na contributions sa loob ng 12 months BEFORE or BAGO ang hospital confinement, upang magamit ang kanilang mga benepisyo.  Ito ang 9/12 rule na papalit sa 3/6 (3 months paid contributions within the last 6 months prior to confinement) rule na kasalukuyang sinusunod ng mga members at mga hospitals.

Paano ang pagbilang ng 9 months sa 9/12 rule?

Kung ang date of confinement mo ay October 2, 2018 (isang araw matapos mag effect ang 9/12 rule), bumilang ka ng 12 months pabalik, kasama ang buwan ng confinement (October).

  • 12 months: October 2018 to November 2017
  • Kailangang bayad ang contributions ng 9 na buwan between October 2018 to November 2017,
  • Hindi kailangang consecutive o sunod-sunod na buwan ang bayad; basta’t nakabuo ng at least 9 months na premium payments, eligible ang miyembro sa PhilHealth benefits.

Para sa lahat ng types ng PhilHealth members ba ang 9/12 rule?

Ito ay applicable sa lahat ng uri ng members MALIBAN SA MGA SUMUSUNOD:

  • Members na may Validity Dates ang PhilHealth cards tulad ng mga Sponsored Members, Land-based OFWs, at Indigent Members.

Magkano ang monthly PhilHealth contributions ng mga Individual Payors?

Mananatili sa Php 200 per month ang required monthly contribution (para sa P2,400 annually) at Php 300 per month (para sa Php 3,600 annually).

Ang mga employed, seafarers, at kasambahay members lamang ang nag increase ang monthly premium payments.

Tandaan:

Hindi tatanggapin ng PhilHealth ang same day settlement o ang mga miyembro na nag bayad ng kanilang contribution (para mabuo ang 9 months) sa mismong araw ng confinement.  Ibig sabihin, kahit nagbayad ka ng umaga ng October 2, 2018 at ikaw ma-admit sa hospital ng gabi ng parehong araw, hindi ico-consider ng PhilHealth na nakatupad ka sa 9/12 rule.  Kaya’t importanteng regular na nakakapag bayad ng contributions buwan-buwan para laging siguradong eligible ka, ano man ang mangyari.

Ang 9/12 rule ay mag-uumpisa sa October 1, 2018.

Source: www.philhealth.gov.ph

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Aug 22

Even Filipinos who work abroad, whether land-based or sea-based, must be covered by the Philippine Health Insurance Corporation or PhilHealth.

Here is a quick guide that can help OFWs stay updated on their membership:

How to register for membership:

  1. If currently in the Philippines:
  • Visit the nearest PhilHealth Regional Office, Local Health Insurance Office, PhilHealth Business Center, or PhilHealth Express outlet in your area.
  1. If currently overseas:
  • Visit any branch of the PhilHealth accredited collecting partners, iRemit, and Ventaja Corporation.
  • Access the Electronic Registration facility and follow the step-by-step procedure.
  • Download the PhilHealth Member Registration Form, fill out, and email to ofp@philhealth.gov.ph

Checking one’s Member Data Record:

To verify if your PhilHealth Member Data Record contains updated information about your membership profile and your list of qualified dependents, click on the Member Inquiry icon under the Online Services section, follow the log-in procedures and check on the accuracy of your member data.

Updating the Member Data Record

  1. Download the PhilHealth Member Registration Form.
  2. Click FOR UPDATING on the upper right-hand side of the form.
  3. Indicate the necessary revisions.
  4. Email the accomplished form to ofp@philhealth.gov.ph
  5. Await via email a copy of your updated Member Data Record.

Premium Contribution Rates

  1. For land-based OFW:
  • Based on the amount prescribed by the PhilHealth.
  • Minimum current rate is Php 2,400 per year.
  • This can be paid in advance for two years to five years, or depending on the duration of the employment contract with the overseas employer.
  1. For sea-based OFW:
    • The premium contribution rate is salary-based following the premium schedule for the Formal Economy.

Where to pay premium contributions:

  • Premium payments can be made overseas through any PhilHealth accredited collecting agents and tie-ups.
  • Payments may also be made at any accredited collecting partners in the Philippines or through PhilHealth Counter at the Philippine Overseas Employment Administration (Ortigas Ave., Mandaluyong City).

Notes for Filipino Seafarers

PhilHealth coverage need not end when your contract with manning agency ends.  If vacationing in the Philippines while waiting for contract renewal, sea-based OFW members should pay their premium contributions to ensure benefits availment should the need arises.

Source: www.philhealth.gov.ph

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Aug 15

Every cloud has a silver lining.

This adage could not have been more real (or literal!) to SSS and GSIS members whose properties, sources of income, and places of work have been devastated by the recent typhoons and monsoon rains that flooded areas in Metro Manila and Luzon provinces this weekend.

Last Monday, August 13, the SSS announced that they shall be accepting calamity loan applications for members who have been adversely affected by typhoons Henry, Inday, Josie, and the monsoon rains experienced last month and last weekend.  A qualified member may be granted up to Php 16,000 calamity loan while pensioners may receive up to three months’ worth of their monthly pension.

On the other hand, GSIS invites its government employee members to avail of the consolidated loan program which is equivalent to a member’s three to 14 months’ combined salary.

If your home or place of work is affected by the recent typhoons and monsoon rains, you may want to call or visit a GSIS or SSS office to inquire about your loan privileges.

Source: www.news.abs-cbn.com

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