Tag Archive: PSA Wrong Entry


July 12

A child must be registered at the Local Civil Registry office within 30 days after his birth.  If the parents fail to do that, the child will not have a valid birth certificate and there will be no basis for the details of his birth.

If you register your child beyond the 30-day deadline, his birth certificate will be tagged “Delayed Registration” or “Late Registration”.  Apart from the customary information you need to provide on the certificate such as the name, birth date and birthplace, and parents’ information, you also need to state why you failed to register the child’s birth on time.

Any person who has never had a birth certificate may file for the late registration of his birth, anytime.  What is important is that you be able to secure an authenticated copy of the birth certificate, making sure that you are properly registered as a citizen of the Philippines.

If you want to know more about late registration of birth, here is a comprehensive article we found in the Citizen Services website.

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July 10

I always thought that if a child is born out of wedlock, the baby automatically carries its mother’s maiden last name (while his middle name is left blank, otherwise, the baby and the mom will appear to be siblings).  Only when the baby’s parents marry will the child have the legal right to adopt the father’s last name.

Apparently, this is not always the case.  Some children are able to carry their father’s last name on their birth certificate even if their parents are not yet married.

How is this possible?

Citizen Services’ Bright Baby has the answer. Click this link!

July 09 (1)

Any misspelled entry in your child’s birth records can and will cause him a lot of trouble in the future.  It is always best to have these corrected as soon as possible to avoid inconsistencies in your child’s records, especially when he starts going to school.

There are two types of corrections that can be done on any erroneous birth certificate: the types of corrections that can be rectified by the LCR through a petition for correction of clerical error, and the ones that need to undergo a court proceeding (in which case, you may have to hire the services of a lawyer).  If the correction is a typo error, the LCR will only require you to file a petition for correction where you only need to execute an affidavit, pay minimal fees, and wait for the LCR to release the corrected copy of the certificate.  If the case involves changing the name, or if the correction will result to a new name altogether (example: the child’s name is Michelle, but the name on the birth certificate is Richelle which is also a valid name, changing the “R” to an “M” will result to a new name), the LCR may recommend for a Change of Name (instead of a simple petition for correction) and therefore, the petitioners will have to go through the whole nine yards – filing the case, court hearings, attorney’s fees, and the like.

I found a website that can help you better understand the intricacies of correcting errors in your child’s birth certificate.  This site has helped me and a lot of my relatives address minor glitches in our civil registry records.  If you have any problems with your child’s birth records, visit www.citizenservices.com.ph  or better yet, click this link that will take you directly to their article on correcting baby’s names.

Have a productive day!

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June 19 (1)

It is that time of the year when dengue mosquitoes seem to be more active in hunting their prey.  Young and old alike can fall victim to these pesky insects that carry the deadly dengue virus.  It is no secret why emergency rooms are never without a patient exhibiting the early signs of dengue fever.

Does PhilHealth cover dengue fever cases?

Yes.  That is why it is important that you keep your PhilHealth account updated because you never know when serious illnesses might attack.

PhilHealth’s coverage for dengue fever is based on the severity of the patient’s case.  There are simple cases of dengue and there are those that are listed as severe.  PhilHealth coverage will always be based on the attending physician’s final diagnosis.  Below is the list of case rates for dengue fever:

DESCRIPTION

CASE RATE PROFESSIONAL FEE

HEALTH CARE INSTITUTION FEE

Dengue without warning signs: Dengue fever (DF) Dengue hemorrhagic fever Grades 1 and 2; Dengue hemorrhagic fever without warning signs. 10,000.00 3,000.00 7,000.00
Dengue with warning signs; Dengue hemorrhagic fever with warning signs. 10,000.00 3,000.00 7,000.00
Severe Dengue; Severe Dengue Fever; Severe Dengue hemorrhagic fever. 16,000.00 4,800.00 11,200.00

To avoid inconvenience and delays in your claims, make sure that your PhilHealth contributions are updated every month.  You never know when diseases may strike and your only assurance of financial assistance during times of emergency is a flawless record with PhilHealth.

Keep your homes and yards dengue-free and make sure that your children are protected against mosquito bites while they are in school or at play.

If you have questions about PhilHealth, send us an email and we will do our best to find the answers for you.

Source: www.philhealth.gov.ph

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May 29

If you are planning on working abroad, one of the first things you need to take care of is your security.  Be wary of illegal recruiters and fake job agencies that can only get you in serious trouble with abusive employers abroad.  In order to avoid being in an OFW Horror Story, you need to account your employment with the Philippine Overseas Employment Administration or the POEA.

Who is the POEA?

The POEA is primarily responsible for securing the best employment terms of Pinoy migrant workers, from the moment they engage with a recruiter in the Philippines until they are deployed to their respective employers.   POEA works alongside its sister agency, the Overseas Workers’ Welfare Administration (OWWA) to ensure that the Pinoy overseas workers’ welfare is respected and upheld, wherever he may be.

POEA provides services to help OFWs gain their legal status through the proper documents and certifications before leaving the country, while the OWWA is responsible for cases and concerns involving OFWs who are already deployed abroad.

What does the POEA do?

  1. They issue licenses to recruitment and placement and manning agencies for land-based and sea-based workers, respectively.
  2. They monitor and supervise the operations of these recruitment and manning agencies.
  3. They monitor the government’s anti-illegal recruitment program and conducts anti-illegal recruitment seminars nationwide.
  4. They cascade information and expose facts about illegal recruiters, job scams, laws in other countries concerning migrant workers, and other overseas employment-related matters.
  5. The POEA only allows deployment to countries that protect OFW rights with respect to the requirements of the Amended Migrant Workers Act.  These countries are certified by the Department of Foreign Affairs.
  6. They provide legal assistance to Filipinos who fell victim to illegal recruitment and job scams.
  7. They help provide repatriation assistance to displaced OFWs.

Overseas Employment:

  1. They handle the accreditation of foreign employers who hire OFWs.
  2. They process the approval of job orders or requests for workers received from other countries.
  3. They conduct the necessary pre-employment orientation seminars for job applicants.
  4. They evaluate and process employment contracts.

 

You can avoid becoming the next victim of job scammers and illegal recruiters if you acquaint yourself with the requirements and services of the POEA.  The processes that you will be required to undergo (seminars, submission of documents) may look tedious at first but you will realize that it is so much better that taking the shortcut with a possible illegal recruiter.

The government’s primary concern is the safety and welfare of Pinoys who will be working on foreign soil.  And the only way the government can be successful in this endeavor is if all aspiring OFWs (and even those who have already been deployed), would cooperate with the POEA’s processes and requirements.

Tomorrow we are going to feature the different key services offered by the POEA to prospective OFWs.

Reference: www.poea.gov.ph

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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 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 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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