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May 15

Pinoys have yet to fully accept the values and benefits of being insured.  Whether it is a life or medical insurance, every working Filipino must be protected from the inevitable.  When unfortunate situations arise – a family member gets sick, a child meets an accident – it is best to be prepared.

If you are employed by the government or by a private firm, it is most likely that you are granted a medical insurance sponsored by your employer.  This is a good thing to have, especially if it is extended to your family.  However, this is only applicable while you are salaried by your employer.  The moment you quit your job (or it quits you!), you lose the privilege and will be left on your own to manage when you or someone in your family gets sick.

That is why it is important that you have yourself enlisted as a member of the PhilHealth, if you haven’t yet.  The PhilHealth voluntary membership is open to anyone who does not have a fixed employment, not a senior citizen, not an indigent member, or sponsored member of the PhilHealth.

Who are qualified to become voluntary PhilHealth members?

  1. OFWs – documented or undocumented Filipino workers abroad.
  2. Self-employed professionals – self-earning individuals such as entrepreneurs, lawyers, doctors, and freelancers whose income is generated from their profession or business.
  3. Informal sector workers – people working in the informal economy, including jeepney and tricycle drivers, street and market vendors, and small construction workers.
  4. Dual citizens – Filipinos who also hodl citizenship in another country.
  5. Naturalized Filipino citizens – foreigners who have become Filipino citizens through naturalization.
  6. Expats – foreign workers who live in the Philippines with valid working permits or Alien Certificate of Registration.

What documentary requirements do you need to prepare when applying?

You only need a duly accomplished PhilHealth Member Registration Form (PMRF) and submit this to the nearest Local Health Insurance Office or PhilHealth Express outlet.

You will then be issued a Member Data Record or MDR and an ID card after your application has been reviewed.  Your PhilHealth ID number will serve as your lifetime PhilHealth number and must be used as reference when you pay your contributions to the cashier.

Online application is also available!

  1. Go to the PhilHealth Electronic Registration System.
  2. Click on “Proceed”.
  3. Read the Terms and Conditions, tick the small box below, and click “Accept”.
  4. On the PhilHealth online registration form, enter the required information.
  5. Upload your document in jpeg, pdf, gif, or png format.  (optional)
  6. Enter the provided Captcha code, tick the small box below, and click “Submit Registration”.

Access your email for the instructions on how to complete the rest of your application.  Take note of your transaction number as this will serve as your reference number to your registration.

How much should be my contribution?

Members earning PHP 25,000 or below every month must pay a quarterly contribution of PHP 600 (or PHP 200 per month / PHP 2,400 per year).

Members earning over PHP 25,000 must pay PHP 900 for the quarter (or PHP 300 per month / PHP 3,600 per year).

It costs so little to become a bona fide PhilHealth member, but the assurance of knowing that you are covered by the PhilHealth when emergencies strike will far outweigh the price you think you are paying now.

Visit the nearest PhilHealth office now and have yourself signed up as a member.

Reference: http://www.philhealth.gov.ph

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May 15-1

Renewing your driver’s license and car registration has become so much simpler and faster now that the Land Transportation Office (LTO) has launched their LTO Online Personal Appointment and Scheduling System or PASS.   Applicants may now simply set an appointment at any of the four LTO branches that offer the PASS service to ensure that they will be attended to during their visit.

The system is seen to reduce the entire renewal process to just 45 minutes, a far cry from the usual 4-hour wait time for walk-in transactions.

How does the LTO PASS Work?

You only need to visit the LTO Online System at https://www.lto.net.ph and book your appointment.  You will be required to key in your address and contact details, as well as your driver’s license number.  Don’t worry, the site runs on a secure platform with an HTTPS encryption so all your information is safe and cannot be accessed by hackers.

Is this open to all areas that have an LTO branch?

LTO is currently running the project in five pilot branches in Metro Manila but their direction is to have it available nationwide.  Here are the branches that accept appointments made through the LTO PASS system:

  1. Central Office in East Avenue, Quezon City
  2. Novaliches, Quezon City
  3. Marikina
  4. Muntinlupa
  5. Pasig City

The agency is targeting to have all branches activated with the PASS by the end of the year.  While the roll-out is ongoing, the LTO will continue to accept walk-in applicants for driver’s license and car registration renewal.

For now, the PASS facility will only be accepting renewal transactions for driver’s license and car registration.  All other transactions are still on a first-come, first-served basis.

How to use the PASS online facility:

  1. Log on to the site https://www.lto.net.ph/LTO/Online and prepare to provide the following information:
  • Driver’s License Details
    • Driver’s License Number
    • Birthdate
  • License Holder’s Information
    • First, Middle, and Last Names
    • Home Address
    • Email Address
    • Mobile Number
  1. Click on Drive’s License Renewal or Motor Vehicle Renewal.
  2. Read the terms and conditions. Tick the small box at the bottom of the page to agree to the terms.
  3. Enter the CAPTCHA code and click Continue.
  4. Fill out the online appointment form and submit.
  5. Choose the branch, date, and time you wish to have the renewal processed. The system is able to determine if your license is already about to expire and will only take you to the scheduling page if your license is up for renewal.
  6. A confirmation email will be sent to you as soon as you are done booking an appointment online. Save this and show it to the LTO staff on the day of your appointment.

Try this new system from the LTO and let us know about your experience!

References:

http://www.lto.gov.ph

https://www.lto.net.ph/LTO/Online

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May 09

When I first learned how to drive, I was made to memorize the mnemonic BLOWBAG, which stood for Battery, Lights, Oil, Water, Brakes, Air, and Gas.  It helped me get started on responsible driving and car ownership.  It has become second nature to me, checking all items under BLOWBAG before I leave my garage, every single day.

This year, I was surprised to learn that the mnemonic has evolved into something new, something more catchy.  And I am glad to know that they have included more items to check that are equally important as the original BLOWBAG.  Thanks to the PNP-Highway Patrol Group for coming up with BLOWBAGETS!

Since I find this helpful (and fun!), let me share with you some insights about this new driving mnemonic as my way of encouraging fellow car owners and drivers to be more responsible to prevent accidents and car breakdowns, especially when taking long drives this summer.

What’s in BLOWBAGETS?  Read on!

  1. Battery

You try to start your engine but all it gives you is nothing short of a scoff or snicker.  You try it again and get the same response.  Uh-oh.  Your battery may have died on you.  For some weird reason, my car would give me warning signals that its batteries are about to go out.  Weeks before it dies, my car alarm would often go crazy, sounding off for no reason at all.

I am just thankful that it has not died on me in a remote area or in the dead of the night, or when I am faced with an emergency.  Still, I need to remind myself that checking my car’s battery for clean terminals, proper cable-to-terminal connections, and charge will save me the hassle of having to change my batteries in public and right when I am rushing to get home or to the office.

Car batteries normally take three to four years before they burn out.  It helps to keep a record of when you had yours replaced so you could estimate when you would need a replacement.

  1. Lights

This is easy.  I simply ask someone to stand in front and at the back of the car while I test my headlights, break, signal, and tail lights.  I am especially concerned about my lights when I will be driving at night.

Apart from the bulbs working, you also need to be sure that the lights are free from dirt, cracks, and breakage.

  1. Oil

This one I learned to do when I was 9 years old.  I thought it was fun pulling out the oil dipstick and checking to see for any change in oil color or level.  I realized later on that the oil is a critical element in the car engine’s life as too little of it can cause serious damages in the car’s moving parts.

Check your car’s engine oil everyday for color, level, and leaks.  Know when it is time to refill to avoid expensive repair bills.

  1. Water

Is there enough water in your radiator?

Always check to see that your radiator is properly hydrated, especially during the summer season.  Those water bottles that jeepney and taxi drivers keep in their trunk?  Those are first-aid remedies for overheated vehicles; you should keep some in your car too.

  1. Brakes

Nawalan ako ng preno, eh.

Nope, don’t let it happen to you.  How do you check if your brakes are working fine?  Step on the brake pedal and press all the way to the floor.  There should not be any resistance, air, or spongy feel to it.  If the brakes feel hard or seem like it is resisting your pressure, have it checked right away.

A personal precaution I observe too is the no-water-bottle-on-the-floor policy in my car.  I always remind my passengers to use the bottle holders found in the interior of the car and to never leave a water bottle lying on the floor.  These bottles could roll to the driver’s side and block the brake pedal without being noticed.

  1. Air

Do I know how to replace a flat tire?  Yes.

Do I like replacing a flat tire?  No.

Before leaving home, check that all your tires are properly inflated, free from bulges and any sharp objects that may be stuck to its surface.  If you are not comfortable checking with just your eyes, head over to the nearest gasoline station or vulcanizing shop to have each tire’s pressure gauged properly.

  1. Gas

That all important fuel that we all love to ignore.

Running out of gas while on the road is not only stressful, it’s embarrassing!  So don’t wait until your gas gauge starts flashing that annoying red light before you finally stop by a gas station.  Refill as soon as the pin goes a little below the half-tank meter.

  1. Engine

Best way to detect an engine problem?  Listen.

My dad would tell us to switch off our car’s A/C while on a long drive, roll down our windows, and listen to our car’s engine.  He likes doing this while we’re speeding down NLEX!  He loves listening to the engine’s hum.

If you are familiar with your engine’s sound, you would know right away if something is amiss, such as when you hear an unfamiliar tap, knock, or any other kind of noise that you are sure you haven’t heard from your engine before.

  1. Tires

Apart from it having the right air pressure, your tires must not be so worn out that the grooves have become too shallow.  I check mine by placing a one-peso coin into my tires’ grooves; if the coin goes almost all the way down, I’m good.  But if more than half of the coin remains visible, I’d know it’s time to buy new tires.

  1. Self

Am I sleepy?  Do I have alcohol in my system?  Am I disoriented, stressed, or suffering from one of my many migraine attacks?

Believe it or not, these can gravely affect your driving skills and may cause you and the people around you unnecessary harm.  Please do not go behind the wheel when you are experiencing any of the above conditions.  If you are sick and feel that you need to be taken to the hospital and no one is around to drive for you, hail a cab or request for a car from Grab instead.

Remember that even if your car is in tip-top shape, if you as the driver are not, you are still running the risk of damaging yourself and your vehicle.

Apart from all those, my dad would also remind us to always have the complete documents of our vehicles within our reach – keeping the original copies at home and photocopies in the car’s glove compartment.

There you have it, folks!  A new mnemonic that drivers and soon-to-be drivers need to memorize by heart.  Share this will all the people you care about!  Drive safely!

Reference: www.gmanetwork.com

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May 08

The OEC is a basic requirement for OFWs before they are given permission to work abroad.  They must secure this to ensure that their departure and overseas employment are properly documented.  This document has a 60-day validity from the date it was issued; this means that the OFW must be able to leave before the OEC expires.

Apart from it being a basic requirement, an OEC document presented at the airport also exempts the traveler from paying travel taxes and terminal fees.  It serves as the exit pass or clearance of the OFW as well as a proof of his status as a legitimate OFW.

What are the requirements when securing an OEC?

  1. Passport with at least six months validity from departure date.
  2. Valid work visa, work permit, or any equivalent document.
  3. Verified employment contract or offer of employment.
  4. Printed Balik-Manggagawa Information Sheet

Other documents may be required depending on the required skills (professional, low-skilled, household services).  Canada and US workers will be required to submit additional requirements.  Always bring the original and photocopies of your documents.

Are there fees that need to be paid?

  • POEA Processing Fee – PHP 100 per e-receipt/OEC
  • OWWA Membership Fee – USD 25 (or its PHP equivalent)
  • Pag-IBIG Contribution – Minimum of PHP 100 each month
  • PhilHealth Contribution – PHP 2,400 for one-year coverage

How to apply for an OEC:

There are two ways to apply for an OEC:

Walk-in applicants may apply at any of these processing centers:

  • POEA main office at EDSA corner Ortigas Avenue, Mandaluyong City (Balik-ManggagawaProcessing Division/BMPD)
  • POEA regional offices, regional extension units, and satellite offices.
  • Philippine Overseas Labor Offices (POLO) in the country of employment.
  • Labor Assistance Counters at Manila, Cebu, and Mindanao airports (only for returning OFWs who are staying in the Philippines for five days or less).

You may also set an appointment online at the BM Online Appointment System; this will allow you to choose your preferred schedule and venue for processing of your OEC.

Walk-in applications, including those who have scheduled appointments, may take the whole day or several days to complete.

How to get an OEC Exemption

If you are an OFW and are returning to the same employer or workplace, and have an existing record with the POEA, you can be exempted from the OEC requirements.  All you have to do is log in to your BM online account before your scheduled departure and click on “Acquire OEC or Exemption”.  The system will show a pop-up confirmation message of your BM Exemption Number and pre-departure instructions on what documents you need to present at the airport.

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May 07

If you are a member of the Social Security System and the Home Development Mutual Fund or Pag-IBIG (HDMF), you have various privileges such as short-term loan applications, housing loans, educational loans, and retirement benefits.  You have the option to choose one from the other or maximize both.

Today we are going to feature the similarities and differences between one of the most common loan applications offered by both agencies – salary loan.  Both are popular among employed Pinoy members because both offer lower interest rates and light payment schemes.

If you are thinking of borrowing money from a bank or any other lending facility, it may help to read first on the following facts about SSS and Pag-IBIG salary loans.

What are the requirements when applying for a salary loan?

The primary requirements are that you have to be an active member of either Pag-IBIG or SSS and have paid the minimum contributions prescribed by the agencies.

  • Pag-IBIG requires the following in terms of membership:
    • 24 monthly membership savings;
    • Have paid at least one monthly contribution within the last six months before your loan application date.
    • Any existing Pag-IBIG multi-purpose loan, calamity, or housing loan must not be in default at the time of your new loan application.
  • SSS requires the following in terms of membership:
    • If you are applying for a loan that is worth your one-month salary, you must have paid at least 36 total monthly contributions and at least six monthly contributions within the last 12 months before your loan application date.
    • For two-month salary loans, the minimum requirements are 72 total monthly contributions and 6 monthly contributions within the last 12 months.
    • Make sure that your employer has remitted all your SSS contributions on time. You may check the updates on your contributions online by signing up for a My.SSS account at the SSS website.

How much can you borrow from Pag-IBIG and SSS?

  • Pag-IBIG
    • Amount of loan will depend on your preferred loan amount, loan entitlement or capacity to pay, whichever is lowest.
    • A qualified member borrower may borrow 80% of his total accumulated value (TAV) which consists of all his monthly contributions, employer’s contributions, and accumulated Pag-IBIG dividends.
    • If the borrower has an exsisting calamity loan, Pag-IBIG will deduct the calamity loan’s outstanding balance from the 80% of the TAV.
  • SSS
    • Qualified SSS member borrowers may borrow an amount equal to their one-month salary, up to P15,000.  Those with at least 72 monthly contributions are entitled to a two-month loan worth twice their salary up to P30,000.
    • To determine the loan amount, SSS shall get the average of the loan applicant’s monthly salary for the last 12 months of employment.

What are the loan interest rates and fees?

Interest rates:

  • Pag-IBIG imposes an interest rate of 10.75% per year throughout the loan term.
  • SSS charges a 10% annual interest rate on the outstanding principal balance.

Both agencies base the interest computation on diminished principal balance, which means that the interest becomes lower as the loan gets paid over time.

Loan processing fees:

The SSS deducts a service fee of 1% of the total loan amount; Pag-IBIG does not come with a processing fee.

Late payment penalties:

  • Pag-IBIG charges 0.5% of the unpaid amount for every month of late payment.
  • SSS charges 1% per month of late payment.

How long does it take for the agencies to process salary loan applications?

Pag-IBIG takes about three to five working days to be approved and released, while SSS takes about two to three weeks, whether applied online or over-the-counter at an SSS office.

Should the agencies find any discrepancy in your account, the approval and release of proceeds might take even longer.

 How will the loan proceeds be released to the borrower?

  • Pag-IBIG
    • ATM withdrawal using a prepaid or cash card (from Citibank, Development Bank of the Philippines, or Landbank);
    • Bank account via Landbank’s Payroll Credit Systems Validation (PACSVAL) facility;
    • Check payable to the borrower.
  • SSS
    • Check or ATM withdrawal through their UMID card (you need to have your UMID card activated for ATM functionality.

What are the repayment terms?

  • Both agencies offer a maximum loan term of 24 months, starting on the second month from the loan approval date.
  • Both are paid monthly via salary deduction.  If the borrower is self-employed or is a voluntary member, loan installment payments may be done at any Pag-IBIG or SSS branch or any accredited bank or payment center.

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References:

www.sss.gov.ph

www.pagibigfund.gov.ph

 

May 03 - 2 (1)

Are you planning to buy a house soon?  Have you considered getting one through a Pag-IBIG housing loan?

Here are some facts and figures that could help you decide on availing a real estate property through your Pag-IBIG membership.

  • Lower interest rates for Regular Housing Loan

Effective February 14, 2018, the Pag-IBIG began offering home loan interest rates for as low as 5.67% per annum (from 5.5%) for a 1-year fixing period, and 6.37% per annum (from 6.5%) for a 3-year fixing period.  This applies to members who are willing to pay a 25% equity upfront.

Members can borrow up to P6-million, depending on their monthly salary and the loan may be payable up to 30 years.

Pag-IBIG boasts that their interest rates are at an all-time low this year (2018) and therefore, is the best time to avail of a housing loan from the agency.

  • More affordable pabahay for minimum-wage earners.

Lowest interest rate at 3% per annum.

Roughly P1,897.22 monthly amortization for the first five years of a P450,000 loan, over a 30-year repayment period).

No equity

For developer-assisted housing loans up to the prevailing maximum limit for socialized housing loan, the LTV ratio shall be 100% provided the developer’s License to Sell is for a socialized housing project and the loan purpose is for the purchase of a residential unit.

Longer loan term of up to 30 years.

Only 7 documents to apply!

  • Pag-IBIG offers Online Housing Loan Application.

You have the option to submit your application online at http://www.pagibigfund.gov.ph/HousingLoan

  • Housing Loan Programs Orientation
    • Every Saturday at 2/F JELP Business Solutions Building, 409 Shaw Blvd., Mandaluyong City
    • Every 2nd Saturday of the month at 3/F Lecture Hall B, Legislative Building, Quezon City Hall.
    • Every 3rd Saturday of the month at Rizal Provincial Capitol Multi-purpose Hall, Antipolo City

All orientation programs run from 9Am to 11AM and are given for free to all interested housing loan applicants.

For more information about Pag-IBIG housing loans, you may call their hotline at 02-724-4244 or visit their website at www.pagibigfund.gov.ph

 

Reference:  http://www.pagibigfund.gov.ph

 

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May 03 - 1

In a previous article, we featured the guidelines on how you can be sure that you are eligible to claim your PhilHealth benefits after you have been confined and treated in a hospital.  There are cases, however, when even a qualified PhilHealth member is not able to fully enjoy his privileges in spite of showing sufficient proof that he or she must be afforded his PhilHealth benefits.  Sadly though, the causes of these issues are often due to the medical facility’s negligence and refusal to abide by the policies set by PhilHealth for its affiliated clinics and hospitals.

To help you maximize your PhilHealth benefits, here are four important tips you need to know when applying your privileges as a PhilHealth member:

  • PhilHealth does not refund benefits directly to members.

This means that the hospital or clinic must deduct the amount of PhilHealth’s participation in your treatment, from your total hospital bill.  The benefits may not be converted to cash that the hospital “pays” to the patient.

  • The PhilHealth benefit must be applied AFTER other tax deductions, including the Senior Citizen discount.

The Senior Citizen discount and Value-added Tax (VAT) are different from PhilHealth benefits.  If the patient is a Senior Citizen, the SC and VAT must first be deducted from his total hospital bill, before his PhilHealth benefits are applied.

This computation is applicable only if the No Balance Billing was not applied to the patient’s case.

  • 3 Must-have documents when claiming your PhilHealth benefits:
    • PhilHealth Claim Form 1 (CF1)
    • Member Data Record (MDR)
    • Contributions Record
  • PhilHealth members with complete documents must not be made to pay the hospital bill in full.

Some health institutions make the patient pay the full hospital bill with the promise of refunding them their PhilHealth benefits after they have received the funds from PhilHealth.

This is not how PhilHealth benefits are disbursed to members.

Should the hospital demand that you pay the bill in full, even after you have satisfied all requirements for the application of your PhilHealth benefits, report them right away to PhilHealth.  Most hospitals have PhilHealth helpdesks in its premises; you may also call the PhilHealth call center at 02-441-7442.

Reference: www.philhealth.gov.ph

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Apr 30

The Department of Education has announced the age cut-off policy for incoming Kindergarten and Grade 1 students for school year 2018-2019.  Find out if your little one is qualified to step up!

  1. Children who are five years old by June 1 of every calendar year shall be accepted in Kindergarten by both public and private schools.
  2. Learners entering Kindergarten who will turn five years old by the end of August may be considered by schools provided that they are administered with the Philippine Early Childhood Development (ECD) checklist before the school year opens.
  3. Recognizing the difference in school year opening among schools, Kindergarten learners should be five years old by July 1, with an extension period until September 30, if their schools open the school year in July; and by August 1, with an extension period until October 31, if their schools open the school year in August.
  4. Learners who completed Kindergarten in SY 2017-2018 shall be allowed to enroll in Grade 1, given that they turned five years old within SY 2017-2018.
  5. Learners who will turn five years old within SY 2018-2019 shall be accepted in Kindergarten granted that they pass the Philippine ECD checklist.
  6. Incoming Kindergarten for SY 2019-2020 must strictly comply with the cut-off age policy.

The above provisions were announced by DepEd, following the issuance of the “Amendment to DepEd Order No. 47, S. 2016” otherwise known as the “Omnibus Policy on Kindergarten Education.  These policies are applicable to both public and private schools and providing for transitory provisions to accommodate Kindergarten and Grade One enrollees for SY 2018-2019 and SY 2019-2020.

Reference: http://www.deped.gov.ph

 

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Apr 26

Female SSS members are entitled to maternity benefits.  Whether she is an employed member or is voluntarily contributing to the system, she must be granted the necessary financial support as her privilege under the SSS, provided she meets the basic documentary and contribution requirements of the system.

How does one compute for her SSS maternity benefit and how do you determine if the member is qualified?

1. IMPORTANT TERMS USED IN SSS MATERNITY BENEFITS

a. Quarter – refers to THREE CONSECUTIVE months ending in March, June, September, and December.

Examples are:

  1. January, February, and March
  2. April, May, and June
  3. July, August, and September
  4. October, November,  and December.

 

b. Semester – refers to TWO CONSECUTIVE quarters

Examples are:

  1. January to March and April to June – that is one semester.
  2. July to September and October to December – that is one semester.
  3. April to June and July to September – that is one semester.
  4. October to December (of the current year) and January to March (of the following year) – that is one semester.

 

c. Semester of Contingency – refers to two (2) consecutive quarters ending in the quarter of contingency.

Example:

  • If the month of delivery or miscarriage is May, the quarter of contingency covers the months of April, May, and June.
  • While the Semester of Contingency covers the months of January, February, March, April, May, and June.

d. Monthly Salary Credit or MSC – refers to the compensation base related to your total earnings for the month.  You may refer to the SSS contribution table we shared in this post (hyperlink to 2018 SSS contribution table).

Example: If you are earning P8,300 per month, your MSC is P8,500.

 

2. Maternity Benefit Computation

Example: If the member will give birth on June 2018:

  • Exclude the semester of delivery so that:
    • The applicable quarter covers the months of April, May, and June.
    • The semester of contingency covers the months of January to June 2018.

Therefore, you must exclude January to June 2018 from the computation.

  • Count 12 months backward starting from the month immediately before the semester of delivery.
    • If June 2018 is the expected month of delivery, count backwards to December to January 2017.
    • To qualify, the member needs to have at least three posted contributions during the January to December 2017 period.
  • Identify three up to six highest MSCs from January 2017 to December 2017.  Example, if the six highest MSCs are P15,000 and P16,000, add them to get the total salary credit:

15,000 + 15,000

15,000 + 16,000

16,000 + 16,000

= P93,000 – Total Monthly Salary Credit (MSC)

  • Divide the total MSC by 180 days to get the average daily salary credit:

P93,000/180 days = P516.67 – This now is your Daily Maternity Allowance.

  • From your Daily Maternity Allowance of P516.67, multiply by the applicable number of days of your delivery type:
    • Normal delivery – 60 days
    • Caesarian section – 78 days

P516.67 * 60 days (normal delivery) = P31,000.20

P516.67 * 78 days (caesarian section) = P40,300.26

 

Reminders when claiming your maternity benefit:

  • The SSS Maternity Benefit is only applicable to the first four deliveries, including miscarriages.
  • If you are employed member, the benefit will be paid to you in advance by your employer.
  • If you are self-employed, separated and voluntary members, the benefit will pay the benefit directly to you after delivery, provided that your Maternity Reimbursement Claim was duly approved.
  • Make sure that you have submitted a Maternity Notification to your Employer (if employed) or directly to the SSS (if self-employed, voluntary member, or separated from employment). Failure to advise SSS of your pregnancy may cause delays or even disqualification from claiming your benefit.
  • Always make sure that your SSS contributions are complete, up-to-date, and accurate in order to avail of SSS benefits.

 

Source: http://www.sss.gov.ph

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Apr 25

Female SSS members, whether under the employed or voluntary (self-employed) status, must notify SSS right away in order to ensure that they are given the proper maternity benefits.  Employed members may course the notification through their employers, while voluntary members still need to go to the nearest SSS office.

One of the prevalent reasons why a self-employed member is not able to receive her maternity benefits is because she failed to provide the proper advice to the SSS.  To avoid this from happening to more women, the SSS launched a new program that made the advisory process so much easier and convenient for its members!

Introducing the maternity notification through the Text-SSS service!

How does this work?  Read on.

  1. You need to register for the Text SSS service by typing SSS REG <SSNUMBER><BDAYmm/dd/yyyy> and send to 2600.
  2. Submit your Maternity Notification by typing SSS MATERNITYNOTIF <SSNumber><PIN><Expected Delivery Date MM/DD/YYYY><Total Number of Pregnancies (including your current pregnancy)> send to 2600

Example:

SSS MATERNITYNOTIF 3379137342 1234 10/15/2018 2

You still need to submit documentary proofs of your pregnancy along with the filing of your Maternity Reimbursement, after you have given birth.

Text to Text SSS are charged according to network rates.  For Globe/Touch Mobile and Smart subscribers, the per text charge is P2.50.  Sun Cellular subscribers are charged P2.00 per text.

 

Reference:

www.sss.gov.ph

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