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SSS, PhilHealth and Pag-IBIG: What Every Filipino Shouldn’t Miss!

by Dimples

Hello, friend!

Welcome to Journey to Millions!
Journey To Millions - SSS, PhilHealth and Pag-IBIG: What Every Filipino Shouldn't Miss!
If you are a fellow Filipino reading this article, you must have already heard of these three very popular government institutions:

1. SSS / Social Security System
2. PhilHealth / Philippine Health Insurance Corporation
3. Pag-IBIG Fund / Home Development Mutual Fund

But the question is, “How much do we really know about them?”

If I were to ask you now, could you tell me what each institution is for? How much does it cost to become a member? What benefits do members enjoy?

These are only some of the questions that we will try to rediscover in this article today, with the help of the top leaders of SSS, PhilHealth, and Pag-IBIG, as they are very well interviewed by On The Money’s host, Edrick Mendoza.

Be surprised by how much you and I don’t know.

Watch these videos and see how you can maximize the financial opportunities our government has to offer:

SSS / Social Security System Philippines

SSS minimum monthly contribution: P104.00 Starting January 2014, SSS minimum monthly contribution is increased to P110.00

Social Security Benefits:
–Sickness benefit
–Maternity benefit
–Retirement benefit
–Disability benefit
–Death and Funeral benefit

SSS Loans:
–Salary Loan
–Housing Loans
–Business Loans

PhilHealth / Philippine Health Insurance Corporation

PhilHealth minimum monthly contribution: P150.00

PhilHealth Benefits:
–Inpatient Coverage
-Outpatient Coverage
–Enhanced Outpatient Benefit Package (for OFWs)

Special PhilHealth Benefits Package
–Case Rates
–TB Treatment through DOTS
–SARS and Avian Influenza Package
–Novel Influenza A (H1N1) Package

Pag-IBIG Fund / Home Development Mutual Fund

Pag-IBIG maximum monthly contribution: P100.00

Pag-IBIG Benefits:
–Savings / Provident Benefits Claim
-Short-term Loans
–Multi-purpose Loan
–Calamity Loan
–Housing Loan

Now, I bet you did get to know SSS, PhilHealth, and Pag-IBIG a lot better this time.

I hope that you take advantage of these opportunities that you have just learned. Make sure that you are an active member of these three from now on.

AND you better tell all your family and friends about this too! I’m sure, you wouldn’t want them to be left behind, right?

Cheers to your Journey to Millions, Kabayan!

Enjoying our Journey To Millions,

Edel

 

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{ 612 comments… read them below or add one }

Pinoy Social Network June 14, 2013 at 6:43 pm

Honestly I have Phil health because of our city Mayor, but I don’t have Pag-ibig and SSS now I know the importance of SSS and Pag-ibig I will apply as much as possible.

Reply

Elvin Peria June 26, 2013 at 7:40 pm

Thank you Pinoy Social Network for dropping by to our site. We’re excited to know that you’ll also apply in SSS and Pag-IBIG. It will definitely come in handy in the future.

I am glad that your city Mayor gives you PhilHealth. I hope other city mayors are doing the same. Kudos to your city Mayor. 🙂

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lennon agno March 11, 2014 at 8:37 am

I am an ofw. Just want to ask where can I pay my pag ibig contribution…

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Elvin Peria March 12, 2014 at 8:33 am

Hi Lennon Agno,

You can try these links:
http://www.paypilipinas.com – they accept payments for SSS and Pag-IBIG. However, this comes with a P50 transaction fee.

https://www.pagibigfundservices.com/ccpayment/ – Pag-IBIG Online Payment Facility. This is limited to VISA and Mastercard holders only.

Although I haven’t tried them but a lot of sites suggest them.

I hope this helps. 🙂

Reply

Niel September 21, 2015 at 11:38 am

If you are an OFW, I suggest not to pay your Pag-ibig contributions online (through credit cards). As a personal experience, I paid a one month contribution of 800pesos for October 2013 and paid again another 800pesos/month for 10months, and guess what, the 10month payments did not appeared on my pag-ibig online account. Supposedly, my intention of paying a larger monthly contribution is to have a bigger loanable amount if in case I will be using the privilege.
I paid it through my credit card when I was in Saudi. When I went home to Cebu and asked at the Pag-ibig office there what is the problem with my payment. They just told me that they can not do anything with my case because only the Main office of Pag-ibig are the only ones authorized with all of the online payments. And being always out of the country and in the province, gives me a hard time of settling this problem.

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Elvin September 22, 2015 at 8:03 am

Thanks Neil for sharing your experience.

How was it, solve na po ba sya?

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Zi May 9, 2017 at 3:13 pm

I may be replying after almost two years but I think this is important. Whether you pay over the counter or online in Pag-ibig, you actually cannot do an advance payment. You can only pay in full (if you have a housing loan). If you pay months in advance (even just for contributions), Pag-ibig will just hold your money and reflect the payment for each succeeding month until all your advance payment is spent.

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Elvin May 9, 2017 at 4:32 pm

Thank you for sharing Zi.

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rey October 17, 2015 at 5:12 am

I tried using paypilipinas.com. You can read my experience with them here http://pinoyguitartips.info/2015/10/16/my-experience-with-paypilipinas-com/

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Elvin October 20, 2015 at 12:14 pm

Hi, Rey.

Thank you for sharing your PayPilipinas experience. Grabe pala no, nababawasan ang balance for every balance inquiry. Pero at least merong ganitong service.

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PwedePadala December 20, 2017 at 11:01 am

Hi Rey. I also tried PayPilipinas to pay for my MP2 contribution. Honestly, it’s a lot of work for an online transaction. I would likely ask my family next time to pay on my behalf in the Philippines to save time and money.

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Rose July 10, 2013 at 6:18 am

Very informative!

I want to ask your opinion. If you’re single OFW, no dependents and have been paying the maximum SSS and Philhealth contribution voluntarily, would you still recommend getting another health/life insurance from private company?

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Edel Ramilo-Peria July 10, 2013 at 11:14 am

Hi, Rose! Thanks for dropping by. 🙂

Health insurance and life insurance are two different things po.

Health insurance po is for everyone, bata, matanda, may ngipin o wala. 🙂 It protects us from health related emergencies, katulong po ng Philhealth. So, as long as we’re alive po, we’ll benefit from it. I’ve personally benefited po from HMOs thrice. Big help po talaga in times of need. 🙂

As far as I know po, life insurance is not for everyone. For people with no dependents po, it might not be necessary. But if you have real estate you want to pass on to your heirs po, it might help. I believe the money po can be used to pay for the fees associated with transferring the ownership of your properties to your loved ones. 🙂

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Hatoya July 14, 2013 at 7:04 pm

Hi!
I’m 18 years old, turning 19 this month, and have not ventured into these. Do you think I should anytime soon?

Your posts widen my “responsible-adult” perspective, thank you!

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frugalexpat July 21, 2013 at 2:35 am

I always encourage others to pay their SSS contributions. I believe in their system.

For PAG-IBIG, I am member and I even availed for PAG-IBIG II program but after visiting the PAG-IBIG Makati Branch last June 2013, I was so disappointed.

Unfortunately, for OFWs, our files are only available in the Makati Branch. The payments that my sister made in the PAG-IBIG GenSan Branch would take time to be credited in my account. As they explained, they are manual. It means GenSan branch will send the files and only then they will update your contributions.

And I was even more frustrated with PAG-IBIG because I got my PAG-IBIG II number (reference) from the PAG-IBIG representative in the embassy and that was in 2011. When I asked for the statement last June 2013 in Makati Branch, they told that it was wrong, that the reference given to me was not at all for PAG-IBIG II.

I was so furious about it. How could their representative gave a wrong information.

I am not at ease paying my contributions because the PAG-IBIG system sucks.

Reply

Elvin Peria July 31, 2013 at 10:30 am

Hi frugalexpat,

Thank you for sharing your Pag-IBIG experience.

I agree with you, it would be very hard to trust if there’s a delay in the processing of the contributions or the representative gave wrong and misleading information.

I hope the Pag-IBIG officials can do something about this.

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chasen July 30, 2013 at 10:26 am

typo error, minimum pagibig contribution of P100.00 not maximum. 🙂
I have increased my monthly pag-ibig contribution to P1,000. I was convinced by the Pagibig tv ad. hehe.
Nice blog. 🙂

Reply

Elvin Peria July 31, 2013 at 9:28 am

Hi chasen,

Thank you for dropping by.

We’re glad that you were convinced by the Pag-IBIG TV ad. 🙂

Regarding the contribution, I asked our HR about this. She told me that P100 is the maximum contribution of an employee and employer to Pag-IBIG but an employee can go as high as P1000 per month para makapag-loan ng malaki for a property.

This is verified in RA 9679 (Home Development Mutual Fund Law of 2009) which states, “the maximum monthly compensation used in computing the employee contributions is currently set at P5,000. This means that the maximum member contribution and employer counterpart per month are both currently P100.”

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thess September 27, 2013 at 2:56 am

im a soon to be mom… and found out na hindi huhulugan ng employer namin ang aming pagibig contributions while we’re on maternity leave (about 78 days/more than 2 months). ang question ko po ay legal po ba ito na hindi nila hulugan dahil hindi naman daw po kami nagreport sa work?

thanks!

Reply

Elvin Peria September 27, 2013 at 1:22 pm

Hi Ms Thess,

I asked an HR friend about this and he said that it is legal. Wala kasing income si employee na nakamaternity leave, so walang pagkukuhanan ng statutory contributions. The employer is not obliged to pay the employee. Although, there are companies who give salary to their employees even on maternity leave.

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Del June 9, 2015 at 3:45 pm

When I had maternity leave, my organization told me to pay my pag-ibig and philhealth contributions para hindi magkaroon ng patlang yung hulog ko so I gave an amount to our bookkeeper equivalent to to my contributions (employee and employer’s share). Tama po ba na ako din ang nagbayad ng employer’s share kahit ako na ung nagbayad nung share ko as employee? Thanks in advance po! 🙂

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Elvin June 12, 2015 at 10:39 am

Hi, Del!

I think yes but to be sure, please ask your HR about it. Iba iba kasi ang case depende sa employer eh.

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Marilou Anila September 30, 2013 at 1:58 pm

I’ve erroneously paid for the april to june 2013 philhealth contributions of my husband – have paid P 300 when it should have been P 450 na pala.

What shall I do to correct this mistake?

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Elvin Peria September 30, 2013 at 8:19 pm

Hi Marilou Anila,

Based on PhilHealth’s FAQ section, you can have overpayments to cover your underpayments in April to June 2013.

By the way, thanks for dropping by. 🙂

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maricar January 28, 2014 at 2:31 pm

hello pano po pala babayaran yung underpayments mo sa mga bayadcenter ? kasi i paid 450 for the advance payment of january 2014 to march 2014 pero nagbayad ako noon nung december 2013 pa .. since tumaas na pala ang premiums for individually paying member 600 na pala quartrly .. paano po kaya yun ?

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Elvin Peria January 28, 2014 at 5:04 pm

Hi Maricar,

Based po on the SSS Contribution table memo, you can do the following:

1. You may opt not to pay the underpayment of 150. However, you will be assigned to the lower maximum salary credit.

2. Or pay the balance to be retained at the same maximum salary credit.

You may read the full disclosure on this link: https://www.sss.gov.ph/sss/printversion.jsp?id=4945&file=SSS_Contribution_Table_Ad.html

I hope this helps.

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Leovs September 30, 2013 at 10:55 pm

how to voluntary increase the monthly contribution to Pag-IBIG?

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Elvin Peria October 1, 2013 at 8:15 am

Hi Leovs,

Thank you for dropping by.

If you’re employed, just tell your employer that you want to increase your monthly contributions. They’ll process it for you. In case you don’t have an employer, visit any Pag-IBIG office and pay the increased amount there.

This was verified when I called their hotline. 🙂

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Wanderlust October 6, 2013 at 1:04 am

Is sss, pagibig, philhealth a requirement to be deducted on the salary? Please explain whar should be indicated on pay slip.

Thank you.

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Elvin Peria October 6, 2013 at 11:11 am

Hi Wanderlust.

If you’re employed, SSS, PhilHealth and Pag-IBIG are mandatory and part of your payslip as a deduction along with taxes.

If you’re not employed, it is up to you if you want to enjoy the benefits of SSS, PhilHealth and Pag-IBIG. You just need to do pay the contribution voluntarily.

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Wanderlust October 6, 2013 at 3:16 pm

Ok thank you. How much is the maximum payment and the tax deductions?

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Elvin Peria October 8, 2013 at 7:54 am

Hi Wanderlust,

The tax deduction depends on the person’s income. The maximum is P125,000 + 32% of the excess over P500,000. This is applicable to those people earning P500,000 or more per year. You can view the table on this link: http://www.businessforum.ph/threads/600-Income-Tax-Rate-Table-for-Individual-Taxpayers-in-the-Philippines.

As for the maximum payment, you may refer on these sites:

PhilHealth:
http://www.philhealth.gov.ph/partners/employers/contri_tbl.html

SSS:
http://www.sss.gov.ph/sss/printversion.jsp?id=111&file=regi_contrib_table.html

Pag-IBIG
http://www.pagibigfund.gov.ph/faq/FAQ.htm

Reply

Mel November 4, 2013 at 12:50 pm

Is there a way to pay for these 3 online? Like via any other bills?

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Elvin Peria November 4, 2013 at 1:57 pm

Hi Mel,

In my research, there are online payment facilities available for these three government institutions. However, for PhilHealth, it is only limited to employers.

You can try these links:
http://www.paypilipinas.com – they accept payments for SSS and Pag-IBIG. However, this comes with a P50 transaction fee.

https://www.pagibigfundservices.com/ccpayment/ – Pag-IBIG Online Payment Facility. This is limited to VISA and Mastercard holders only.

http://www.philhealth.gov.ph/services/epay/ – PhilHealth’s Electronic Payment Facility. This is limited to employers.

I haven’t tried using these payment facilities online since my employer does it for me and my HR friend recommends to just pay over-the-counter for thees three. If you’re willing to try, I would appreciate if you can give us a feedback.

I hope this helps.

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maylin madula November 22, 2013 at 11:12 am

Kasambahay po ako for 4yrs na, wala pa po akong Pag-ibig at Philhealth. Yung SSS ko po last July lang binayaran ng employee ko. Gusto ko pong magbayad/mag contribute sa Pag-ibig at Philhealth. Ask ko lng po ok lang po ba na ako na mismo ang magbabayad? Kasi di naman po ako kinuhan/binabayaran ng employee ko po.

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Elvin Peria November 24, 2013 at 9:00 pm

Hi Ms Maylin,

Saludo po ako sa inyo dahil kahit hindi kayo kinuhanan ng employer nyo ng PhilHealth at Pag-IBIG ay gusto nyo pong magcontribute voluntarily.

Tungkol po sa inyong tanong, okay lang po na kayo na po mismo ang magbayad ng inyong contribution sa PhilHealth at Pag-IBIG. Wala pong problema yun.

Pero sa pagkakaalam ko po, dahil naisabatas na ang Kasambahay Law, entitled na po ang kasambahay na mabigyan ng employer ng mga benepisyo. Kasama po dito ang coverage sa SSS, PhilHealth at Pag-IBIG. Base po sa Section 30 ng Kasambahay Law,

A domestic worker who has rendered at least one (1) month of service shall be covered by the Social Security System (SSS), the Philippine Health Insurance Corporation (PhilHealth), and the Home Development Mutual Fund or Pag-IBIG, and shall be entitled to all the benefits in accordance with the pertinent provisions provided by law.

Premium payments or contributions shall be shouldered by the employer. However, if the domestic worker is receiving a wage of Five thousand pesos (P5,000.00) and above per month, the domestic worker shall pay the proportionate share in the premium payments or contributions, as provided by law.

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Ruby December 6, 2013 at 8:54 am

Hello,
I was employed years ago in Manila (now in Cebu) and I loss track of my Philhealth. How can I know if I’m still a member I don’t have with me any documents pertaining my employer paying and I also don’t have my membership ID/number.

Reply

Elvin Peria December 8, 2013 at 11:24 pm

Hi Ruby,

First of all, thank you for dropping by in Journey To Millions.

I would suggest that you contact your previous employer so that you can have your PhilHealth number. I’m sure they have it, kung kinakaltasan ka nila ng sweldo buwan buwan. In case you cannot contact them anymore, you may visit PhilHealth branch in Cebu. For sure, they can answer all your queries.

Here’s their Regional Office’s address and telephone number.
8/F, Golden Peak Hotel & Suites,
Gorordo Ave. Corner Escario St., 6000 Cebu City
(032) 2337519

You may also want to visit local health insurance offices.
Danao City, Cebu
Rizal St., 6004 Danao City, Cebu
(032) 200-4526 | (032) 200-3827 (T/F)

Carcar, Cebu
Brgy. Perrelos, 6019 Carcar, Cebu
(032) 516-7544 | (032) 487-8501 (T/F)

Mandaue City, Cebu
Lopez Jaena Corner Logarta Sts., Subangdaku, 6014 Mandaue CIty
(032) 505-2194 | (032) 505-3022 (T/F)

I hope this helps.

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michelle December 28, 2013 at 12:21 am

hi,

stumbled on your site online. thank you for your very informative article regarding SSS, philhealth and HDMF. a quick question, can i request my company’s HR to increase my SSS employee contributions up to the point that it matches my company’s contribution? would there be any cases where HR would decline this request?

many thanks in advance and more power to your blog!

Reply

Elvin Peria January 1, 2014 at 10:11 pm

Hi Michelle,

Happy New Year and thank you for visiting our site! 🙂

As far as I know, SSS contributions are dependent on your monthly salary. So, to answer your question, you cannot request your company’s HR to increase your SSS contribution to match your employer’s contribution. You may refer to the latest Schedule of SS and EC contributions from the SSS website.

Here’s the link: https://www.sss.gov.ph/sss/printversion.jsp?id=4945&file=anew1952.html

I hope this answer your question.

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michelle January 1, 2014 at 10:36 pm

Thank you for your reply Elvin,

I understand. I had hoped that like Pag-ibig I can increase my contributions as well. But if not I can live with that 🙂

Happy New Year!

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joy January 4, 2014 at 4:37 pm

Hi! am planning to avail the pag ibig housing loan amouting to 1.5M but I am only paying 100 pesos for my pag-ibig contribution. If I would increase my contribution to 700 pesos, how long would it take before I can avail the housing loan? If I increase to 700 pesos would that mean that my total contribution will be 800 pesos since the mandatory share of my employer is 100 pesos?

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Elvin Peria January 6, 2014 at 11:46 pm

Hi Joy,

You are right, you need to increase your contribution in Pag-IBIG to avail a housing loan amounting to 1.5M. If you’re contributing for 24 months (or more), ask your HR that you will increase your contribution so that they can process it for you. Once your increased contribution is reflected in the Pag-IBIG system, you can now apply for a 1.5M loan.

You may call Pag-IBIG hotline (or visit their office) for more details.

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marie December 4, 2014 at 12:24 pm

Hi po, regarding pag-ibig, meron akong unpAid loan last 2011, ask ko lang after how many years ma offset ang loan ko and kelan Ako pwede makapag.loan ulit… thanks

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Meg January 10, 2014 at 3:23 pm

Hi,
What if my employer deducted Philhealth contri more than what is required by PHIC. Can we offset it against future payments? What should the employer do?

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Elvin Peria January 13, 2014 at 12:05 pm

Hi Meg,

I raised your concern in PhilHealth and they said, “…in case like this, we suggest that the employer should be the one who request for the adjustment or offsetting of the contributions. If the employer found out that they are deducting more than the prescribe contributions based on the schedule of payment. The employer should coordinate directly at PhilHealth Office and submit the corresponding documents like payroll and request letter for the adjustment.”

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rellie January 16, 2014 at 4:30 pm

hi,ask ko lng po kung san po pwde magbayad ng sss,pag-ibig at philhealth ng isang bayadan lng po.?pwde po b s mga bayad center,mbilis din po b nila ito iremit s mga naturang asensya?

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Elvin Peria January 17, 2014 at 9:27 am

Hi Rellie, According to the website of each institutions (for SSS, multiple sources say it’s possible). You can pay them at SM Payment Facilities and Bayad Centers.

You may refer to these links for more info.

PhilHealth: http://www.philhealth.gov.ph/partners/collecting/
Pag-IBIG: http://www.pagibigfund.gov.ph/payments/paymentfacilities.html

Reply

rellie January 17, 2014 at 11:33 am

thank you for this info…

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shyla morales January 20, 2014 at 8:09 am

Good day. Nagbabayad po ako ng philhealth every quarterly. Hindi po ako nakapagbayad ng last working ng Dec.2013, para po sa Jan-Mar 2014 po. Puwede pa po bang magbayad ngayong January para po mahabol ko at hindi mag-back to zero po ang payment ko. Thank you po!

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Elvin Peria January 20, 2014 at 9:08 am

Hi Shyla,

Good day! Pwede kang magbayad ngayong January para icover ang Jan-Mar 2014. You may refer to PhilHealth’s FAQ for more details. Eto po yung link: http://www.philhealth.gov.ph/members/employed/faqs.html

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shyla morales January 20, 2014 at 9:24 am

Ask ko rin po ano po ang mga requirements para mag-voluntary payment po ako sa SSS at mabayaran po ung dati ko po na-loan kc po hindi na po ako nagwo-work ngayon para po maiwasan ang penalty. Thank po ulit.

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Elvin Peria January 20, 2014 at 10:57 am

Hi again Shyla. Based sa SSS FAQ, Form RS-5 lang ang kailangan. Here’s an excerpt from the SSS website.

Separated Members

A member who is separated from employment or ceases to be self-employed/OFW/non-working spouse may continue paying contributions through SSS Form RS-5 using the previously assigned SS number. Posting of said payment will change the membership status from covered employee, self-employed, OFW or non-working spouse to a voluntary paying member.

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mae navarro January 20, 2014 at 9:24 pm

hi!
May philhealth po ako dati when i was still employed from 2002 – 2008 pero di ko alam philhealth number ko kasi centralized ang company sa main office lahat transaction ng payments. Di na ako nakapagbayad nong nagresign ako 2008 hanggang ngayon. Ma retrieve pa ba yong mga payments ko noon?

Buntis ako ngayon naisipan kong kumuha ng philhealth number ulit kasi gusto ko makapagbayad para maka avail naman ng benefits sa kabuwanan ko.

Pwede kayang e merge ang payments ko sa dati at sa bago?

Thank you po.

Reply

Elvin Peria January 20, 2014 at 10:17 pm

Hi Ms Mae,

Mas maganda po siguro kung makakabisita kayo sa PhilHealth office na malapit po sa inyo para maitanong nyo ang PhilHealth number nyo. Kailangan nyo din po kasing i-update ang Member Data Record (MBR) saka makapagbayad ng at least 3 months premium within 6 months bago makapagclaim. Mas maganda po na maihanda nyo ang mga kakailanganin bago po kayo manganak.

Nakita ko din po pala sa isa nyong comment na member din po ng PhilHealth ang asawa ninyo. Nakakapagcontribute pa din po ba sya ng premium hanggang ngayon? Noong nahospital po kasi ang misis ko, dineclare ko sya as dependent (that time, inactive member din sya). Nagsubmit lang ako ng MDR saka photocopy ng aming marriage contract, para maupdate ang record ko sa PhilHealth. Nakapagclaim naman po kami.

Regarding po sa huli ninyong tanong, hindi nyo na po kailangang magpamember ulit dahil sa pagkakaalam ko ay for lifetime na ang membership nun, ganun din po sa SSS at Pag-IBIG.

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mae navarro January 20, 2014 at 10:27 pm

ofw ang asawa ko, parang yearly yong bayad nila. Bago umalis bayad ata cla ng isang taong kasi need sa EOC nila.

So, anung magandang gawin kasi dobli na philhealth ko, pwde kaya e merge ang payment ko para isang membership nalang?

Ty ulit

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Elvin Peria January 20, 2014 at 10:44 pm

Sa tingin ko po isa lang ang PhilHealth number ninyo, kasi lifetime membership po kasi ang PhilHealth, unless nagpalit po kayo ng pangalan.. Bukas po ng 8AM-5PM, subukan nyo pong tumawag dito sa number na ito: (02)-441-7442. Yan po ang Call Center ng PhilHealth. Kapag may nakausap na po kayo, ibigay nyo po ang full name ninyo saka ang inyong birthday para po makuha ninyo ang inyo pong PhilHealth number.

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mae navarro January 20, 2014 at 10:55 pm

I see, kasi ang niregister ko na bago ay yong married name ko na. Ty much

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Elvin Peria January 21, 2014 at 3:56 pm

Hi Ms Mae,

I asked your question sa aking HR friend, he mentioned po na kung aware kayo na may 2 kayong number sa PhilHealth, maganda po na pumunta kayo sa office para maconsolidate nila ang dalawa ninyong number. Ang irerequest nyo po ay Member Data Record (MDR). Magdala lang daw po kayo ng certificate of contributions from previous employer.

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mae navarro January 20, 2014 at 9:26 pm

At yong asawa ko rin ay my philhealth din.

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mae navarro January 20, 2014 at 10:28 pm

yearly cla ngbabayad kc ofw.

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Elvin Peria January 21, 2014 at 3:52 pm

I hope maishare nyo din po bukas dito sa comment section kung ano pong nangyari sa concern nyo sa PhilHealth kung makakatawag kayo sa kanila. Ipagtatanong ko din po bukas ang concern nyo.

Marami pong salamat sa pagbisita sa Journey To Millions. 🙂

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Liezel January 22, 2014 at 9:26 pm

Re: PAG IBIG Housing Loan

Our Barangay is currently under reblocking/housing projects of the government under RA9207 known as National Government Center Act of 2003. Which granted security of tenure to the bonafide residents. Thru that project, aayusin ung mga bahay-bahay dun, mga kalsada etc kaya ung karamihan ng mga bahay marereblock which means mauurong ung bahay o malilipat ng pwesto pero within the area pa din. It so happened na ung kinatatayuan ng bahay namin ngaun ay magiging kalsada accdg. to the subdivision plan kaya ayun, kailangan namin ng assistance para magtayo ng bahay dun sa area na paglilipatan. Pwede ba ako mag avail ng housing loan para sa pagpapatayo ng bahay na “ang lot ay grant lang ng government”? Im a currently employed by the way.

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Elvin Peria January 23, 2014 at 7:26 pm

Hi Liezel, I’m not sure where will your case fit in on the housing loan program of Pag-IBIG. I’m quoting the housing loan from the Pag-IBIG website.

a. Purchase of a fully developed lot not exceeding one 1,000 square meters, which should be within a residential area;

b. Purchase of a residential house and lot, townhouse or condominium unit, inclusive of a parking slot. The unit may be: (1) Old or brand new; (2) A property mortgaged with the Fund; or (3) An acquired asset, which is disposed of through sealed public bidding, negotiated sale, or the Rent-to-Own Program.

c. Construction or completion of a residential unit on a lot owned by the member;

d. Home improvement, i.e. any alteration in an existing residential unit intended by a homeowner to be a permanent integral part of the property, which will enhance its durability and material value;

e. Refinancing of an existing mortgage with an institution acceptable to the Fund, provided that: (1) The loan is not in default within the 12 months prior to the date of application; (2) The said loan has a repayment history of at two years with the original mortgagee

f. Combination of loan purposes, which shall be limited to the following: (1) Purchase of a fully developed lot not exceeding 1,000square meters and construction of a residential unit thereon; (2) Purchase of a residential unit, whether old or new, with home improvement; (3) Refinancing of an existing mortgage with home improvement; (4) Refinancing of an existing mortgage, specifically a lot loan, with construction of a residential unit thereon.

I think it would be best if you can visit Pag-IBIG office (or call their hotline) directly to get the answer you’re seeking.

Reply

demos February 9, 2014 at 12:06 am

Hi Good day po, ask ko lng kasi i dont know if my account is still active. i worked as a crew in a fast food chain while im still in college way back 2005. I have my sss that time na kinakaltas sa sahod ko mga 3 months lng ako tumagal sa work ko nag resign ako kasi my conflict sa schedule ko sa school and hindi na ko nakapag hulog from that time to present. And right now gsto ko ulit hulugan ung sss ko or do i need to apply for a new account? btw i work as a freelance web programmer for almost 3 years so dun ba ko sa self employed na bracket or voluntary? or if pwede pa ung old account ko pano kaya ung process nun?

TIA

Reply

Elvin Peria February 9, 2014 at 10:15 pm

Hi Demos,

Since 2005 pa ang huli mong SSS contribution, inactive SSS member ka na.

It would be best if you can visit an SSS office near you para maging active SSS member ka. I think, they’ll ask you to just pay the contribution for the current month at magiging active member ka na ulit. Although, I am not sure if you’ll be a voluntary member or self-employed.

Regarding your SSS account, you can still use it, lifetime kasi ang SSS ID. Once nabigyan na tayo, yun na yun.

Hope this helps and thanks for visiting Journey To Millions. 🙂

Reply

ttapohj February 12, 2014 at 2:12 pm

Hi,

Inquire ko lang hindi ba pwede mag loan ng Pag-ibig multi-purpose loan kung galing ka ng maternity leave kahit na member ka sine 2000?

Reply

Elvin Peria February 12, 2014 at 9:38 pm

Hi ttapohj,

Depende. If you are eligible for a multi-purpose loan, walang reason si Pag-IBIG para hindi ka payagan magloan. Base sa website ng Pag-IBIG, eto yung requirements for a new loan:

1. With at least twenty-four (24) monthly contributions.

2. An active member at the time of loan application, with at least five (5) monthly contributions for the last six (6) months.

3. Member-applicant’s net take home pay shall not fall below the minimum requirement of the General Appropriations Act (GAA) or company policy, whichever is applicable.

4. If with existing calamity loan, a member shall be allowed to avail of the MPL only after payment of at least six (6) monthly amortizations. The outstanding balance, together with any accrued interests, penalties and charges, shall be deducted from the proceeds of the MPL.

For more details, you may call Pag-IBIG hotline (02) 724-4244 or visit their office near you.

Reply

ttapohj February 12, 2014 at 2:36 pm

Hi,

Additional inquiry, how can i update my employer’s address in online registration? Employer’s details is not included in the list for updating?

please advise.

TIA

Reply

Elvin Peria February 18, 2014 at 11:51 am

Hi ttaphoj,

I found it in the Pag-IBIG Online Registration. Here’s the link: https://www.pagibigfundservices.com/PubReg/Starter_Page.aspx

The employer’s details can be found on the 6th tab. You need to answer tabs 1 to 5 (Member Info, Other Info, Address, Contacts, Beneficiaries) first before you can go to the 6th tab.

If you still can’t see it, it would be best if you visit any Pag-IBIG branches near you.

Reply

ttapohj February 17, 2014 at 10:44 am

how can i update my employer’s address in online registration? Employer’s details is not included in the list for updating?

Reply

Nath February 18, 2014 at 11:59 am

Hi..

Ask ko lang po if pwede po ako mag apply sa pag ibig eventhough Im still unemployed? and how much po is the monthly contributions and period of payment? Thank you

Reply

Elvin Peria February 18, 2014 at 12:50 pm

Hi Nath,

Yes. Pwede kang mag-apply sa Pag-IBIG kahit unemployed ka. You just need to fill up two copies of Members Data Form (MDF) and Payment Order Form (POF).

As for the other details you should know:

1. Monthly contributions of unemployed members shall be P100.00.
2. The unemployed member has the option to upgrade his monthly contributions, but may not downgrade the amount.
3. Unemployed members may avail of the Multi-Purpose Loan, but not a housing loan from Pag-IBIG.
4. Individual payers or voluntary members have the option to choose their terms of payment, e.g. monthly, bi-monthly, quarterly, etc.

Mas maganda po kung bibisita kayo sa pinkamalapit na Pag-IBIG branch sa area nyo para mas masagot nila ang tanong nyo. 🙂

Source: http://www.gov.ph/services/pag-ibig-services/

Reply

shane February 26, 2014 at 9:36 am

Hi,
What is the basis of salary bracket for SSS contribution, does it include COLA, Holiday, OT? Or basic pay lang po?

Thanks

Reply

Elvin Peria February 26, 2014 at 11:13 am

Hi Shane,

I asked our HR about this and he told me that the basis of salary bracket for SSS contribution is only basic pay.

Hope this helps.

Reply

Jobelle March 1, 2014 at 1:13 pm

Hello,

Ask ko lang po. I paid my Philhealth contribution last Dec.31,2013 (covering the Oct-Dec. 2013 quarter) in LBC. Will it be posted in the system right away since December 31 is non-working holiday? Concern ko po kasi baka hindi makarga sa Oct-Dec.2013 yung nabayad ko and magreflect siya for Jan-Mar 2014 na payment. Hope to hear from you.

Reply

Elvin Peria March 1, 2014 at 3:26 pm

Hi Jobelle,

I think by default, the payment you made last December 31 will cover your January to March 2014 payment and not October to December. You may verify it on the nearest PhilHealth office near you. Here’s the link that you can use to see the office near you: http://www.philhealth.gov.ph/about_us/map/regional.htm. You can also call their hotline.

Reply

gerrylp March 14, 2014 at 12:42 am

Hi po,
Tanong lang po ako kung ano ang computation para sa sss pension, kc may premiun n akong 173 months at 125k na contributions? Thanks and more power.

Reply

Elvin Peria March 14, 2014 at 1:09 pm

Hi Gerrylp,

According to the SSS website, here’s how you can compute for your pension.

The monthly pension depends on the members paid contributions, including the credited years of service (CYS) and the number of dependent minor children but not to exceed five. The amount of monthly pension will be the highest of:

the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or

40 per cent of the average monthly salary credit; or

P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,400, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

A retiree has the option to receive the first 18 monthly pension in lump sum discounted at a preferential rate of interest to be determined by the SSS. The option should be exercised upon filing of the first retirement claim. Only advance payments shall be discounted on the date of the payment. The dependents’ pension and 13th month pensions are excluded from the 18 months lump sum pension.

The member will receive the monthly pension on the 19th month and every month thereafter.

You may refer to this link for more details: https://www.sss.gov.ph/sss/printversion.jsp?id=73&file=ben5000.html

Reply

gerrylp March 17, 2014 at 5:20 am

Thank you Mr. Elvin…

Reply

Elvin Peria March 17, 2014 at 12:04 pm

Hi Gerrylp,

We’ll cover this in more detail on future post. 🙂

Reply

Myra Pangilinan March 15, 2014 at 6:49 am

Hello pwede po ba magtanong nagtrabaho po kc ako sa isang small company nung 2005 hanggang 2011 pero wala po kami sss philhealth at pagibig ngaun po apply ako ng panibagong work kailangan ng sss philhealth at pagbig id pano po kaya ako kukuha nun? Voluntary po b ilalagay ko requirements na po kc sa panibagong company na inaaplayan ko. Please sana matulungan nyo po ako sa dapat kong gawin

Reply

Elvin Peria March 15, 2014 at 11:08 am

Hi Myra,

Pwede mo pong itanong sa HR nyo kung sila na ang mag-aasikaso ng SSS, PhilHEalth and Pag-IBIG. Pwede nyo pong sabihin sa kanila na hindi kayo nabigyan ng SSS, PhilHealth at Pag-IBIG dun sa pinagtrabahuhan nyo mula 2005-2011. I-coconsider po nila na new applicant po kayo.

Reply

Myra Pangilinan March 15, 2014 at 1:43 pm

Ganun po ba oo nga po eh wala kc benepisyo dun sa dati kong work. Yan daw po kc kailangan dun sa inaapplayan ko kaso inaaplayan ko pa lang po kc yan requirements na talaga nila yan ok lng kaya kht e1 lang muna at wala pa ako philhealth at pagibig. Salamat po sa pagsagot sa tanong ko.

Reply

Jhunie March 25, 2014 at 11:03 pm

Hi,

I am now in the US and was thinking better to continue paying my SSS contribution and Pagibig Housing Loan. Now my question is, do you think it is reasonable to still continue paying contribution with SSS even though I already paid more than the necessary 120 contributions? I still want to but I am not sure the advantage on doing so. Do you have an idea on how to pay online from US? For Pagibig, since it is a housing loan, I know that I need to continue payments but as per my research, there is no available remittance partners here in the US (not sure why other countries have and not US). Anyway, I can just ask my family in the PH to pay on my behalf, my only concern is the SSS contribution. To do or not to do.

Thanks in advance for your advise.

Reply

Elvin Peria March 26, 2014 at 8:40 am

Hi Jhunie,

Regarding your question, continuing your SSS contribution can increase option 1 and option 2. Please note that your pension would be the higher option of these three.

1. the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or

2. 40 per cent of the average monthly salary credit; or

3. P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,400, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

As for your other question, it would be safe if you let your trusted relatives pay on your behalf. Or you may try these online payment facilities:

Pag-IBIG: https://www.pagibigfundservices.com/ccpayment/
Pag-IBI and SSS: https://www.paypilipinas.com/

I hope this helps.

Reply

bambi d. March 26, 2014 at 6:50 am

i resigned from work last month, but i still want to continue paying my contributions. pwde po ba bayaran yung mga past payment ko if i was underpaid? and the other question is, pwde din b ako magbayad in advance? tnx.

Reply

Elvin Peria March 26, 2014 at 9:31 am

Hi Bambi,

Yes you may continue paying your contributions. I think most of the government institutions (SSS, PhilHealth and Pag-IBIG) can be paid in advance. As for underpayment, sa pag-kakaalam ko hindi mo na sya kailangan bayaran.

You may visit their offices near your area (or call their hotline), to ask them in full details.

Reply

Joann March 27, 2014 at 10:39 am

I find your post, and the comments section, very informative. Thanks, I learned a lot! 🙂

Reply

Elvin Peria March 27, 2014 at 10:42 am

Thanks for the visit and for appreciating Joann. 🙂

Reply

Ace Pineda March 27, 2014 at 3:34 pm

Hello,

I would like to check if we still need to pay for the contributions of an employee who is already enjoying his pension (retirement) SSS benefits?

Note: He was a retired employee, then started working again.

Please advise.

Thanks!

Ace

Reply

Elvin Peria March 27, 2014 at 10:36 pm

Hi Ace,

I read a news article about SSS allowing individuals to pay their contributions even after 65. However, in your case, I think it is different because since the employee is already enjoying his pension it only means that he completed the required 120 months contribution.

I suggest that you ask this directly to SSS for clarification.

By the way, here’s the link to the news article: http://www.gmanetwork.com/news/story/313533/economy/finance/sss-now-allows-members-to-keep-paying-past-65-to-qualify-for-pension

Reply

Jhunie March 27, 2014 at 6:23 pm

Thank you sooo much for your reply. Very helpful.

Reply

Elvin Peria March 27, 2014 at 10:53 pm

No problem. 🙂 We’re glad that we helped you.

Reply

Confused March 27, 2014 at 6:33 pm

Hi, I have a question. Nagtrabaho po ako last year for almost 3 motnhs pero nag awol ako. Ngayon ay mag tratrabaho na ako ulit at humihingi sila ng MDR. Nagpunta po ako ng philhealth para ipaupdate and civil stat ko and dependent pero nung binigay saakin ang nakalay sa employer ay yung sa previous work ko. Hindi ko po kasi dineclare yun sa new work ko. Pwede ko po ba ipaupdate sa philhealth na hindi na ako nagtratrabaho sa prev employer ko para hindi na lumabas sa MDR? Thanks. Hope you can help me po.

Reply

Elvin Peria March 27, 2014 at 10:52 pm

Hi Confused,

I think it would be best to ask help from a PhilHealth representative but if I’m the PhilHealth representative, I will not allow it because it would mean inconsistencies on our records (PhilHealth) since your previous employer paid their part for your contributions.

I suppose ang current employer mo ay nanghihingi ng MDR because hired ka na. Since you’re already hired, I think it is safe to give them your MDR from PhilHealth (or tell them that you have a previous employer). Sayang din kasi yung three months na contribution mo.

Word of advice: the truth will set you free.

Reply

Confused March 27, 2014 at 10:59 pm

Salamat po sa reply

Nakalagay po ba dapat sa mdr yung contribution? Hindi ko din po kasis sure kung naghuhulog sila kasi ung sa tax ko tinawagan ko bir para sa TIN ko pero according to them hindi nakaregister ang pangalan ko.

Reply

Elvin Peria March 27, 2014 at 11:39 pm

I am not sure in the contents of MDR but as for the tax, sa pagkakaalam ko once a year lang nireremit ni employer ang taxes sa BIR. Employers are withholding the tax monthly but they’re paying it once a year. Dahil three months ka pa lang, malamang hindi pa nila nababayaran yun kaya wala ang name mo.

Your tax that are taken from you by your previous employer should be returned to you pag nagresign ka. I am not sure lang sa process ng AWOL.

I’ll ask my HR friends about your concern.

Reply

kaiser March 28, 2014 at 1:58 pm

I have two employers. Both are deducting sss, philhealth and pagibig. How should I treat them in Income consolidation? Thanks

Reply

Elvin Peria March 29, 2014 at 6:24 pm

Hi Kaiser,

Did your employers know that you are working for two (or more) companies? If no, better tell them to have it fixed for you. These government agencies especially SSS have a maximum contribution. Any amount greater than that would not be accepted, well as far as I know. I suggest that you clarify this with SSS, PhilHealth and Pag-IBIG.

Reply

zenicles March 30, 2014 at 2:10 am

Ask ko lang po sana kung pwde n b aq magapply ng salary loan kht d p nagrereflect ung hulog ng present employer ko from dec-march? May 37contri na po aq at may 3mos n hulog for 12months. And pwde ko po b ito isabay sa maternity leave?

Reply

Elvin Peria March 30, 2014 at 7:18 am

Hi Zenicles,

Ang requirement kasi sa SSS Salary loan based on their website ay dapat mayroong 36 posted monthly contributions (which meron ka na) at anim dito ay dapat within 12 months.

You may ask someone from SSS branch near you for clarifications.

Reply

glaiza April 4, 2014 at 6:37 pm

good day.. ask ko lng.. I apply for sss and pag-ibig kc need s pghahahnap ng work.. unfortunately, 10 months n ko wala work.. binibigay ako ng Tita ko ng 150 a week.. ngbabantay kc ako ng tindahan nila. gusto ko ngcontribute s Sss at pag-ibig at s philhealth n din.. pano po kaya ang mgging contributions ko at pano ko mgbabayad at Saan. thanks for response.

Reply

Elvin Peria April 5, 2014 at 7:59 am

Hi Glaiza,

You can do that. Just go to the nearest SSS, PhilHealth and Pag-IBIG center near your place. You need to fill up forms at kailangan mong iindicate na self employed or voluntary member ka. Pag nagkawork ka na, your employer will change your status from voluntary to employed.

As for your other question on where to pay. Bayad centers and SM payment centers, to name a few, accepts payments. Pati din sa mga offices ng government institutions na to nag-aaccept sila ng payments.

Reply

Lhotte April 4, 2014 at 7:05 pm

Hi,

Tanong ko lang po if emplyed ba ang 16 years old entitled pa rin sya for deduction sa tax, sss,philhealth at pag-ibig?

Thanks.

Reply

Truth Be Known April 10, 2014 at 5:23 pm

Hello,we have employees that don’t want to join Pag-IBIG. We as employee know it is mandatory,but if employee insist to be excluded from program,is there a penalty for employee? Are we as employer at risk of receiving penalty from Pag-IBIG?

Reply

Elvin Peria April 10, 2014 at 11:02 pm

Hi Truth Be Known,

Let me quote a text from Pag-IBIG’s FAQ section to help us in your question. They said that, “with the signing of Republic Act No. 9679, membership to the Fund shall be mandatory for the following: (a) All employees, workers, professionals, officers and companies who are compulsorily covered by the SSS and GSIS… ”

Also, I read in this a SunStar article that “The GSIS-covered employees include uniformed members of the Armed Forces of the Philippines, Bureau of Fire and Protection, Bureau of Jail Management and Penology and the Philippine National Police. The SSS-covered employees include Filipinos employed by foreign-based employers, Overseas Filipino Workers and all Filipinos, including househelp and vendors, who are earning not less than P1,000 a month.”

Given these statements, if your company is not compulsorily covered by the SSS and GSIS or the employer is earning less than P1000 a month, then your company is not required by law to pay your share for your employees’ Pag-IBIG contribution. Failure to do so could lead to fines, if not imprisonment, as this is mandated by law.

Just to make sure to avoid fines, please consult your concern to Pag-IBIG representative by calling their hotline or visit their office near you.

I hope I was able to answer your questions.

Reply

jonalyn andes April 14, 2014 at 11:05 am

hello i just want to ask how the 36 months contribution work in SSS… What are the benefit…

Reply

Elvin Peria April 14, 2014 at 11:27 am

Hi Jonalyn,

What do you mean by how the 36 months contribution work in SSS?

As for the benefits, SSS can provide the following benefits to their members: retirement, maternity, sickness, disability and death and funeral. Each have different requirements. You may refer to the SSS official website. Look for Benefits tab then Social Security Benefits.

Reply

annabelle ytang April 21, 2014 at 6:50 pm

Hi Sir,

I just want some information about disability. My mother has recently become disabled. She has SSS and Phil health. Now she in the process of applying for the benefit. What other support is available to her?

Salamat po.
Annabelle Ytang

Reply

Elvin Peria April 21, 2014 at 9:54 pm

Hi Annabelle,

Since she has SSS, she can apply for the Disability Benefit. It can be a lump sum or a monthly pension. Lump sum will be given to those who have not yet paid the required 36 monthly contributions. As for the monthly pension, it will be based on the member’s number of contribution and the years of membership. You may ask for more details from the SSS representative.

As for the PhilHealth, I read in Rappler that PhilHealth recently launched disability benefit package, however the full details were not disclosed. You may ask a PhilHealth representative for more details.

Reply

annabelle ytang April 23, 2014 at 5:50 am

Hi Sir,
Thank you very much with the info given to me.
I have another inquiry about my mother pension. The SSS pension advice to file sick leave before incapacity benefit. She been making volunteer contribution towards her pension for 5 years. I want to know if she will still receive incapacity benefit when she is 60. This year she will be 59. Every months she contributes 330 pesos for her pension. How much incapacity benefit will she receive?
The Phil Health in my father name of which my mother is co- benefactor. they have recently used Phil Health to paid for an operation on my mother leg.
She has take medication everyday and because they have no income it is difficult for them to afford the high cost involved.
Do you know , therefore of any benefit or charity which would help to pay for this essential medicine.
They live in South of Cebu City. She has many appointments with doctor which also has to be financed.
Would these cost be met by Phil Health and SSS?

Salamat po
Annabelle

Reply

Elvin Peria April 23, 2014 at 8:52 am

Hi Anabelle,

I don’t think PhilHealth and SSS can cover all your parent’s medical requirement. I think what you can do is seek assistance from PCSO through your Barangay.

As for the benefit she’ll receive, here’s an excerpt from the SSS website:

The lowest monthly pension is P1,000 for members with less than 10 credit years of service (CYS); P1,200 with at least 10 CYS and P2,400 with at lest 20 CYS.

Only totally and permanently disabled members will be receive a lifetime monthly pension. However, the pension will be suspended if the pensioner recovers from the illness, resumes employment or fails to report for annual physical examination when notified by the SSS. The member may request for a domiciliary or a home visit if the disability inhibits the member from reporting for re-examination by the SSS physician at any of SSS branch offices.

The monthly pension of a partially disabled member is paid up to a certain umber of months only according to the degree of disability. If with deteriorating and related permanent partial disability, the percentage degree of disability of previously granted claim shall be deducted from the percentage degree of disability of the current claim.

The monthly pension is also given in a lump sum if duration of pension is payable for less than 12 months.

Reply

emman April 22, 2014 at 4:30 pm

Hi sir,
ive been unemployed for 8months na, then magkakawork na ko this may, panu po un hindi nahulugan for 8mos ung sss pag-ibig at philhealth ko, anu po mangyayari?

Reply

Elvin Peria April 22, 2014 at 4:45 pm

Hi Emman,

Hindi na mahuhulugan yung SSS, PhilHealth at Pag-IBIG mo for 8 months. As far as I know, hindi naman sila nag-aaccept ng back payments. May hinahabol ka bang loan or something? If wala naman, okay lang yun.

Next time, i-ensure mo na lang na mahuhulugan mo sya kahit nawalan ka ng work.

Reply

emman April 22, 2014 at 6:40 pm

Thank you sir!

Reply

annabelle ytang May 3, 2014 at 2:19 am

Hi Sir,
My father was 60 4 days ago. It’s time to collect his gold pot ‘ Pension’. The pension office in Cebu City is not easy to access because it serve the whole of the region v11 and therefore, there are massive queues. My father visited the pension today to inquire about his pension and what he should expect to receive. The reason for the delay in visiting the office is because my mother has recently become disabled and he has to arrange someone to look after her. The office told him that he would need to have a bank account. As he has a building society account would this be satisfactory for their requirement? As stated previously my father is the carer of my disabled mother. Will his pension reflect this in respect of extra allowances for his role as a carer? Furthermore, the office asked him if he would like to receive his pension every month or very 18 months. He filled out form an opted for the latter because the officer indicated that option was worth more money. I don’t think my father fully understood the implications behinds this. He has paid into his pension for 10 years, 3 of these were through voluntary contribution. Do you have any idea as to how much pension he will receive as a lump sum? In 1989 he loaned 1000 pesos against his pension. He has discovered that it has grown to 12,000 piso. Will this amount be deducted from his pension immediately?

Thank you for your time

Annabelle Ytang

Reply

Elvin Peria May 4, 2014 at 10:23 am

Hi Ms. Annabelle,

According to the SSS website, here’s how you can compute for your father’s pension.

The monthly pension depends on the members paid contributions, including the credited years of service (CYS) and the number of dependent minor children but not to exceed five. The amount of monthly pension will be the highest of:

the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or

40 per cent of the average monthly salary credit; or

P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,400, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

A retiree has the option to receive the first 18 monthly pension in lump sum discounted at a preferential rate of interest to be determined by the SSS. The option should be exercised upon filing of the first retirement claim. Only advance payments shall be discounted on the date of the payment. The dependents’ pension and 13th month pensions are excluded from the 18 months lump sum pension.

The member will receive the monthly pension on the 19th month and every month thereafter.

You may refer to this link for more details: https://www.sss.gov.ph/sss/printversion.jsp?id=73&file=ben5000.html

As for your other questions, it would be best to consult a SSS officer regarding the technicalities of this.

Reply

Hannah May 12, 2014 at 12:08 pm

Hi po.. Good day.. Ano po ba ang dapat kong gawin? Kasi ganito po yon.. Binayaran ko po ang SSS ng employee ko for the month of Dec 2013 to April 2014.. Total payment ko po ay P2540.80.. Ang problema ko po ay ang nalagay ko na monthly earnings nya sa form R1A ay P5000 which is dapat P4500 lang.. Tapos na isubmit ko na po sa SSS ang R1A. Everytime I try to encode the contribution there is an error which says “Your SSS amount is out of bracket”. Ano po ba dapat kong gawin? Tulong po.

Reply

Elvin Peria May 12, 2014 at 12:35 pm

Hi Hannah,

P4500 and P5000 falls into two different income bracket requiring different employer share. It would be best to drop by (or call) the nearest SSS office and raise your concern there. You can also ask them if you can update your employee’s monthly income.

Reply

Hannah May 12, 2014 at 12:40 pm

Thank you for answering so fast.. Have a great day! 🙂

Reply

Betsy May 12, 2014 at 10:07 pm

Hi sir goodevening. Sir, may tanong lang po sana ako. Ganito po kasi yon. May employee ako na ang pag bayad ko sa kanyang sss ay bulk payment. Bali from Jan 2014-april 2014 inisa ko lang po.. Bali iisang receipt lng din po.. Tpos ang problema ko po inencode ko na po xa sa collection contribution list, pag encode ko sa jan2014 successful pa.. Pero pag encode ko sa feb 2014 and the rest ayaw ng ma encode ang nkalagay “File with the same SBR no. And SBR Date was already submitted.” Ano po ang gagawin ko? Iisa lng nman talaga ang receipt ko..?..

Reply

Elvin Peria May 13, 2014 at 7:22 am

Hi Betsy,

I think it would be best to raise your concern sa SSS office. You may call their hotline (02) 920-6446 or visit their office near you.

Reply

kyleshane May 13, 2014 at 9:41 am

may tanong lang po ako, kasi nagloan ako sa SSS na under ng company ko kasi working ako sa kanila. right now, gusto ko kasi ako na lang magbayad monthly payment ko na start sa June hindi ko ipapakaltas sa salary sa company ko pwede po ba yun?kung pwede pano po at saan? kasi ang company namin lagi late magbayad kaya tuloy nag iinterest yung mga loans namin

Reply

Elvin Peria May 13, 2014 at 11:57 am

Hi kyleshane,

According to my HR friend, it is HR’s responsibility to deduct as scheduled by SSS. I think, naapprove ang loan mo dahil meron kang employer unless you applied the loan as self employed.

You may ask your HR, what you can do about it. You may also use that opportunity to raise your concern about them paying late.

Reply

hannah May 14, 2014 at 10:37 am

hi sir.. good day!.. Sir, ask ko lang kung ilang days ba bago lalabas ang contribution ko sa employee ko?.. inencode ko kasi ang r3 online.. dba dpat mag appear na kaagad yan sa employee’s sss ko..?..

Reply

Elvin Peria May 14, 2014 at 10:53 am

Hi Hannah,

According to my HR friend, quarterly daw magpost ng contributions sa portal ni employee. That being said, the portal is not real time. I guess, you have to wait for three months before you see your contributions.

Reply

Edwin May 16, 2014 at 5:30 pm

Good day Sir!
Ask ko lang po kung anu dapat gawin ko regarding sa sss ko.Napatigil po kasi ako sa contribution after mawalan ako ng work at my loan po ako na di ko na rin po nabayadan.Ofw na po ako ngayon at gusto ko po ituloy yung SSS ko at bayadan ang loan ko.I think last time po ako nag contribute ay 2007 pa..5 years din po ako straight na naghuhulog bago ako nawalan ng work.Ano po mga dapat ko gawin para maituloy SSS ko at bayadan ung loan?
Thanks po.

Reply

Elvin Peria May 17, 2014 at 7:19 pm

Hi Edwin,

Dahil kayo po ay considered na inactive member ng SSS, kailangan nyo lang po magbayad ng inyong contribution sa SSS. Kapag nakapagbayad na po kayo, icoconsider na po kayo ng SSS na active member.

Para naman po sa loan, base po sa SSS website, kayo po ay mag-iincur ng delinquency interest na 1% per month as penalty. Bukod pa po ito sa interest na ichacharge sa inyo. Dahil 5 years na po kayong hindi nakakahulog (pati sa loan), I am expecting po na medyo malaki na ang utang nyo sa SSS kaya po niresearch ko na din ang mga programa ng SSS. Meron po silang tinatawag na “Loan Condonation Penalty Program” na kung saan kayo po ay magkakaron ng discount sa inyong utang na interest sa kanila. Eto po ang link: SSS Loan Condonation Penalty Program.

Mas maganda po siguro kung pumunta po kayo sa pinakamalapit na SSS office sa inyong lugar (kung kayo po ay uuwi ng Pilipinas). Para po maipagtanong nyo ang mga bagay na ito kanila.

Reply

Janno May 19, 2014 at 9:49 pm

hello. . .seaman po ako,yung unang sakay ko po kasi sa barko OJT ko,so yung SSS ko may nabayaran mula august 2011 to May 2012. ang contract ko that time is july 2011 to june 2012, so yung JUNE 2012 to May 2014 hindi ko po nabayaran…pwede ko pa po ba icontinue yung SSS ko? at paano ko po maitutuloy? thanks.

Reply

Elvin Peria May 20, 2014 at 9:10 am

Hi Janno,

Pwede mong ituloy ang SSS contributions mo. Although hindi sila nag-aacccept ng back payments. So, once nagbayad ka ng contributions mo, gawin mo na syang tuloy-tuloy para maconsider ka na active member. Pumunta ka lang sa pinakamalapit na SSS office para makapagbayad at the same time, update mo na din yung status mo. Ask mo din kung ano ang pinakamagandang status for you (employed, self employed, voluntary member etc).

Reply

Janno May 20, 2014 at 11:06 am

thanks for the info. . .add na rin po ako questions,,pwede ko po ba maiprint yung months na nabayaran sa SSS ko?at pano or san ko pwede makita?may isang buwan kasi in between na walang bayad kaya gusto ko ipakita sa company namin….thanks

Reply

Elvin Peria May 20, 2014 at 3:45 pm

Hi Janno, you may check sa website ng SSS yung contributions mo. Although, most of the time hindi yun updated. Pwede ka dun mag-login. Ifollow mo na lang yung instructions sa site nila kung papaano.

Reply

Fred May 20, 2014 at 12:08 pm

Hi Elvin,

I recently resigned from my work and I have no plans on being employed for at least 5-8 months due to personal reasons. During that time of unemployment (or in case I get unemployed again in the future) can I still contribute to my SSS, PhilHealth and Pag-IBIG? If yes, how much should my contributions be or is that up to me?

Thank you!

Reply

Elvin Peria May 20, 2014 at 3:42 pm

Hi Fred,

Yes, you can still continue to contribute sa SSS, PhilHealth and Pag-IBIG. Be sure to change your status from employed to voluntary member. The monthly contributions will depend on you, although they have their minimum required contributions. You may visit their offices (or call their hotline) for more details.

Reply

Betsy May 20, 2014 at 9:23 pm

Hi sir. Gudeve.. Sir ano po ba mangyayari pag ang sss ko ay binayaran ko voluntary at hndi ko alam na binabayaran na pala ako ng employer ko.. Ano po ba mangyayari mafoforfeit na po ba yong binayaran ng employer ko?

Reply

Elvin Peria May 21, 2014 at 8:06 am

Hi Betsy,

As far as I know, SSS is not accepting duplicate contributions. So in your case, it would be best na pumunta sa SSS to check if doble ang contributions mo. Ensure mo din sa employer kung nagbabayad talaga sya.

Reply

alyssa May 30, 2014 at 8:03 am

Nagloan po ako ng multipurpose loan sa pagibig last march and right now i have already resigned from my employer. This june na po start ng payment ko, ask ko lang po saan po ako maaring magbayad para sa loan and contribution? Thank you.

Reply

Elvin Peria June 1, 2014 at 8:08 am

Hi Alyssa,

Pwede mong itry sa Bayad Centers or SM Business Centers. Although ang nakalagay lang sa website ng Pag-IBIG ay Housing Loan at monthly savings lang ang tinatanggap nila. Eto po yung link:
http://www.pagibigfund.gov.ph/payments/paymentfacilities.html

Kung hindi ka nila payagan sa mga centers na ito, pwede kang pumunta sa pinakamalapit na Pag-IBIG office sa inyong lugar.

Reply

wilma May 31, 2014 at 9:31 am

Hi!
Tanong ko po kung pwede pa po ba Ipag patuloy ang contribution sa sss kahit na hindi na nag wowork sa pilipinas at ngayon ay nakatira na sa US?

Reply

Elvin Peria June 1, 2014 at 8:12 am

Hi Wilma,

Pwede naman pong ipagpatuloy ang SSS contribution kahit hindi na po nagwowork sa Pilipinas. Sa pagbabayad naman po ng contribution, pwede nyo po itong idaan sa inyong “trusted relatives” para sila po ang mag-aasikaso ng pagbabayad on your behalf. Or pwede nyo pong subukan ang link na ito: https://www.paypilipinas.com/

Reply

marie June 3, 2014 at 4:17 pm

Good Day po!
My deadline po ba ang monthly contribution ng PagIbig, SSS for OFW?
Pwede pa po ba bayadan ngayon ang month ng Jan to May?

Thank you

Reply

Elvin Peria June 3, 2014 at 5:17 pm

Hi Marie,

Sa pagkakaalam ko, hindi sila nag-aaccept ng back payments eh. If you pay now, it’ll be credited sa mga susunod na buwan.

Pwede mo din itong iconfirm sa Pag-IBIG at SSS hotline (or email mo sila).

Pag-IBIG:
SSS:

Reply

Judy June 14, 2014 at 12:44 am

Hi Elvin,
Please enlighten me, I will be resigning on my work and effective on June 25, to be a full time house wife and still willing to pay for SSS as voluntary. My question is that i still have an existing loan in SSS but will be half replenish this August to be able to have a second loan. Can i still be granted? I will be paying as voluntary this July forward. That is for SSS.

How about my Pag-ibig? I don’t have existing balance anymore in my previous Pag-ibig loan? Can I still be granted for a second loan? Provided that I will be separated in my work and still thinking if I will continue aying voluntarily in Pag-ibig or not? I’m thinking of sayang naman yung nahulog ko dati kung hindi ko maloloan ngayon, that is for Pag-ibig. Thanks in advance.

Reply

Elvin Peria June 18, 2014 at 12:19 pm

Hi Judy,

Mas madali po sanang maaapprove ang loan nyo if you’re working pero dahil magreresign na po kayo, mas mabuti po na iraise nyo ang concern nyo sa SSS and Pag-IBIG mismo. Para po mas masagot nila kayo ng tama. Pwede po kayong tumawag sa hotline nila in case na malayo po ang lugar nyo sa office nila.

Reply

Norlyn June 16, 2014 at 2:07 am

Hi how can i know that my last contributions are merge already..cuz i go already in office of the pagibig..they told me..after 2weeks..but now i cant see it and i cant find the exact website..and i have a new paymnts that made here in saudi…wat will i do..thnx

Reply

Elvin Peria June 18, 2014 at 12:17 pm

Hi Norlyn,

According to my HR friend, it would be best if you can call or visit Pag-IBIG office again (it may be difficult for you kasi nasa Saudi ka). Hindi po kasi updated ang contributions online ang pag-IBIG contributions. Or kung meron man po online, madalas na outdated ang contributions.

Reply

Desiree June 21, 2014 at 3:38 pm

Hello, I found this site very informative.

I am currently on maternity leave. As my employer is not oblige to pay my contributions during this period, I would like to pay it voluntarily. Please can you advise if I can also pay thru Bayad Centers or SM? Will there be a different procedure in paying when you’re on maternity leave?

Thanks in advance for your advise.

Reply

Elvin Peria June 24, 2014 at 6:26 am

Hi Desiree,

Be sure to ask your employer first if they’re paying your contributions. It would also best if you can seek advice from your HR. I am assuming you are still employed kaso you are just on maternity leave. Tama ba ako? Hindi ka kasi macoconsidered na voluntary member dahil you are currently employed.

In terms of paying your contributions, you can pay them at bayad centers or sm business centers. As for the different procedure, I am not sure.

Reply

Nikki June 22, 2014 at 2:14 am

Good morning, Sir Elvin!

Itatanong ko lang po yung about sa SSS Maternity Benefit. Kasi po since Aug 2013 hindi na po ako nakapagbayad sa SSS kasi po nagresign ako from work to be a full-time housemom. Kaya lang po nabuntis ako and manganganak na ako this October 2014. Tanong ko lang po kung maihahabol ko pa po ba yung sa Maternity Claim ko? What steps should I take po kaya agad para makakuha pa po ako nung maximum amount ng Maternity Benefit. Thanks po.

Reply

Elvin Peria June 24, 2014 at 6:10 am

Hi Nikki,

Based on the SSS requirements para makapag-avail ng Maternity Claim. You should have:

1. Paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.

2. Given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.

In your case, dahil manganganak ka ng Oct 2014, your semester of contigency is from May to September 2014. The 12 month period prior the semester of contigency is from May 2013 to April 2014. Dahil employed ka pa until August 2013, pasok ka pa sa first requirement ni SSS.

You should notify SSS as soon as possible to avail your maternity claim. Be ready with the necessary documents to prove that you have contributions from your previous employer.

In terms naman sa claim na pwede mong makuha nakadepend yun sa contributions mo sa SSS. You may refer sa link na to for more details.

http://www.sss.gov.ph/sss/printversion.jsp?id=53&file=ben3000.html

Reply

Nikki June 24, 2014 at 9:08 am

Thank you for replying, Sir Elvin. Follow up question lang po. Dun po sa sakop na semester of contingency, pwede po bang maghabol po ng contribution para medyo malaki naman po yung makuhang claim?

For example po, magpapalit po ako ng status to voluntary member tapos po magbabayad ako ng contributions for September 2013 hanggang April 2014. Pwede po ba yung ganun?

Reply

Elvin Peria June 24, 2014 at 9:59 am

Hi Nikki,

Sa pagkakaalam ko kasi, hindi nag-aaccept si SSS ng backpayments. So technically, if nagbayad ka for current month sya. You may verify this sa SSS.

Reply

Nikki June 24, 2014 at 12:02 pm

Ah, ganun po ba, sige po. Thanks po talaga, Sir Elvin. This blog is such a big help.

Reply

Rose Ann June 24, 2014 at 1:30 pm

Hi sir gud afternoon,
OFW po ako 23 years of age am i qualified for “Educational Assistance loan” for my sister, if yes how can i avail it.

Thankyou

Reply

Elvin Peria June 25, 2014 at 5:06 pm

Hi Rose Ann,

Eto ang requirement ng educational assistance loan ayon sa SSS website.

1. Active member na may buwanang sahod na hindi hihigit sa P25,000
2. May 12 posted monthly contributions na ang isang buwang contribution ay naibayad sa tatlong buwan bago ang petsa ng loan application.
3. Kung single, maaring gamitin ng kapatid. Kapag napili na ang benefieciary, hindi na ito maaring palitan.

Kung nais mong mag-apply, magdownload ng form sa sss.gov.ph.

Reply

Rose Ann June 25, 2014 at 11:22 pm

Ok sir thankyou and godbless:)

Reply

Baby June 25, 2014 at 10:55 pm

Good Day!

Ask ko lang po sana, last August 2013 nagkaroon po ako ng first loan sa SSS, then I resigned ng October 2013.. hindi ko na nakuha ung last pay ko dahil usapan namin ng employer ko na un na ung ibabayad nila sa naloan ko sa SSS.. until now di pa din nila naireremit sa SSS for some reason.. meaning, wala pa ako kahit isang hulog sa niloan ko sa SSS..may question is recently i found out that i have a contagious disease, is it possible to file a sickness loan while a still have unpaid salary loan in SSS?

Reply

Elvin Peria June 26, 2014 at 11:03 am

Hi Baby,

I am saddened by your experience. I think it would be best to ask your previous employer if they really paid your loan balance. Also, verify this with SSS. Medyo delayed ang government websites pagdating sa mga contributions and payments. You may also inquire sa SSS directly if you can still avail sickness loan. Makakatulong din po kung magseek ng help sa munisipyo or sa PCSO. Madami lang po silang requirements, pero may mga kakilala po akong natulungan ng mga government offices na ito.

Reply

alyssa clemente June 26, 2014 at 9:51 am

I am 23 years old. I am voluntary paying my sss yearly. I paid the maximum sss contribution in a month for one year. I am doing this for 3 consecutive years and I want to continue paying the maximum sss contribution till i reach 60 so i can enjoy my sss pension. the problem is i dont have idea what will be my monthly sss pension once im done paying my sss into maximum till i reach 60. please help me to answer this..thank you

Reply

Elvin Peria June 26, 2014 at 10:06 am

Hi Alyssa,

According to the SSS website, here’s how you can compute for your pension.

The monthly pension depends on the members paid contributions, including the credited years of service (CYS) and the number of dependent minor children but not to exceed five. The amount of monthly pension will be the highest of:

the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or

40 per cent of the average monthly salary credit; or

P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,400, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

A retiree has the option to receive the first 18 monthly pension in lump sum discounted at a preferential rate of interest to be determined by the SSS. The option should be exercised upon filing of the first retirement claim. Only advance payments shall be discounted on the date of the payment. The dependents’ pension and 13th month pensions are excluded from the 18 months lump sum pension.

The member will receive the monthly pension on the 19th month and every month thereafter.

You may refer to this link for more details: https://www.sss.gov.ph/sss/printversion.jsp?id=73&file=ben5000.html

Reply

alyssa clemente June 26, 2014 at 10:13 am

hi sir alyssa clemente po to.. office staff po ako sa maliit na cooperative and wala po akong kahit anong benefits.. i decided to pay my sss as a voluntary member i am paying yearly with the maximum amount of sss contribution a month i am paying my sss yearly at a maximum amount for 3 years now. my question is if ever po ba magbayad ulit ako ng yearly sss pension at a maximum amount for the whole year of 2015 and matanggap po ako as a regular sa clerk sa bdo, mgdodoble doble po ang hulog ko sa sss… if babawasan na ng bdo ung salary ko para sa sss maliit lng un at hindi maximum unlike nung binabayad ko…another question is paano po computation ng pension ko if itigil ko na pagbayd ng maximum amount at magdepend nalang sa ibabayad ng employer ko?,.. hindi na po ba mahohonor ung 3 years na pagbayd ko ng maximum? or ok lng po ba na magbayad pa din ako ng maximum yearly plus ung sss na kaltas sa sweldo ko? anu po sa tingin nyo sir? please help

Reply

Elvin Peria June 26, 2014 at 12:44 pm

Hi Alyssa,

I understand kung ano ang gusto mong mangyari. However, sa pagkakaalam ko, hindi ka pwedeng sabay na voluntary contributor at employed ang status sa SSS at the same time. Although may benefit ang pagkakaron ng employer lalong lalo na sa pagbabayad ng SSS. More than half kasi ng contribution ay binabayaran ni employer unlike pag voluntary contributor ka babayaran mo lahat. Yun nga lang, nakadepend ang contribution sa monthly salary mo.

You can try other investment vehicles for your retirement. Madami jan, bata ka pa naman. Just do your research.

As for your other question. Mahohonor yung three years na pagbabayad mo ng maximum contribution, sa pagcocompute ng pension mo in the future.

Reply

elsa June 27, 2014 at 5:26 pm

Hi i have a super big problem. I registered for an sss number last 2011. I got my first job in a bank, but i’ve gone awol in the first month. There were no contributions made but I was registered as an employee of the bank-I knoe for sure because sss employee told me before. After that traumatizing awol incident, I didn’t work at any company to the present date. So my sss contribution is still zero. I want to know if I can make a voluntary contribution now? How will I do that? I can’t go to the sss office to ask cause I’m ashamed. I know it’s all my fault. I hope you can help me.

Reply

Elvin Peria June 28, 2014 at 1:06 pm

Hi Elsa,

Yes, you can make a voluntary contribution now. However, you really need to go to the SSS office to change your status from employed to voluntarily contributing member. You can do this by filling up a form.

By the way, don’t feel ashamed.

Reply

jenny June 30, 2014 at 8:29 pm

Can Salary Loan and Maternity Benefit be combined together? I mean, PDE kaya sya pagsabayin ng kuha?

Reply

Elvin Peria July 2, 2014 at 7:58 am

Hi Jenny,

I think this is possible as long as you meet all the requirements. However, it would be best to consult SSS directly.

Here’s the requirements for salary loan from SSS website:

1. All currently employed, currently contributing self-employed or voluntary member.

a. For one-month loan, the member-borrower must have 36 posted monthly contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing of application.

b. For two-months loan, the member-borrower must have 72 posted monthly contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing of application.

2. The member-borrower whose employer must be updated in the payment of contributions.
3. The member-borrower must be under sixty five (65) years of age at the time of application.
4. The member-borrower has not been granted final benefit (total permanent disability, retirement and death).
5. The member-borrower has not been disqualified due to fraud committed against the SSS.

As for the Maternity Benefit requirements:

1. She has paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.
2. She has given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.

Reply

alyssa clemente July 2, 2014 at 2:31 pm

Good afternoon sir. Presently I am working as a Property consultant and voluntary po ako naghuhulog sa SSS, if in case po na mahire ako sa BDO as Regular employee, kailangan ko po bang pumunta sa SSS to change status? from voluntary to employed? kasi po pag regular employee nako automatic napo ang bawas ng SSS sa salary ko. dapat ko po ba ung gawin pa? thank you very much

Reply

alyssa clemente July 2, 2014 at 2:40 pm

hi sir, single po ako ngayon at ang beneficiary ko sa sss ay parents ko .. kung magaasawa po ako, maiiba na ang apelyido ko at status at beneficiary ko,, mayroon lang po ba akong form na fi fill up an? then ung id ko sa sss nung dalaga pako papalitan na, ganun dn po sa tin ko, my form lang ako na fi fill up an pra maiba na status at surname ko? ganun lng po ba kadali? thank you

Reply

Elvin Peria July 2, 2014 at 9:30 pm

Hi Alyssa,

If you’re employed, usually si employer na ang gagawa nun for you. You just have to submit all the requirements and fill up the required forms. Ganun kadali if employed. 🙂 However, as for the ID’s sometimes hindi sya inaasikaso ni employer.

Reply

Maria Elena Tomas July 2, 2014 at 4:22 pm

Gud day mam/sir.. My ask lng poh aq about sa payment q kc nkalagpas aq ng 3quarter sa payment q.. Dbale new member aq ngstart aq mg pay ng jan to march.. Tpos poh mgpay n sna aq ng april to june sa bayad center kxo poh july n kya d nila tinanggap ung payment q sa opis n daw ng philheath aq pumunta kya ang bibayaran q ung july to sept. Pagpumunta poh ba aq sa philheath opis pede q poh png bayaran ung nlagpasan qng month.. Plz reply poh

Reply

Elvin Peria July 2, 2014 at 10:08 pm

Hi Maria Elena,

Sa pagkakaalam ko, hindi inaallow ni PhilHealth ang back payments. I am assuming na quarterly ang schedule of payment mo. Ang deadline kasi ng April to June contributions ay June 30. Since July na, hindi na sya iaallow ni PhilHealth. You can ask PhilHealth din, para tipid, tawag ka muna sa hotline nila bago pumunta.

Reply

Dani July 2, 2014 at 6:31 pm

Hello po, ask ko lang ano po ang pwede ko gawin para mabawasan ang bill namin sa hospital ng nanay ko.. Ang problema nga lang, hindi sya member ng sss at pag-ibig at philhealth, ako po ay member pero may pamilya na ako at yung mga anak ko yung beneficiaries. yung kapatid ko na ofw at dalaga, sabi nya meron daw paraan sa pagibig nila. Kung meron paano ito iavail? Sa philhealth sabi kase di pa raw pwede nanay ko dahil 58 years old pa lang sya.

Thank you at marami akong natutunan sa site nyo po.
Dani

Reply

Elvin Peria July 2, 2014 at 9:40 pm

Hi Dani,

I think hindi PhilHealth ang makakatulong kasi your mom is only 58 years old. Hindi pa sya pwedeng iconsider as dependent dahil wala pa sya sa retirement age. I might be wrong so it would be best to ask PhilHealth directly.

I would suggest to seek help from your municipality or PCSO in your place para kahit papaano mabawasan yung bill ng nanay mo sa hospital. You can also try SSS/Pag-IBIG salary loans. Ask around, for sure these government agencies are very much willing to help.

Reply

Erica Rouisse July 2, 2014 at 7:09 pm

Hi,

I would like to ask if it’s okay to pay it personally. I am newly employed and the company didn’t require SSS, PAG-IBIG and Philhealth. And as far as I know, old employees are also not members. But since I know how important it is, I still applied and I have decided to pay it personally monthly. How would the contribution be computed?

Reply

Elvin Peria July 2, 2014 at 9:56 pm

Hi Erica,

You have to file it as a voluntary member or self employed. Here are the links on the contribution for different government agencies. Remember that the higher contribution would mean higher benefits. Also, since you are a voluntary contributing member, you have to pay the employer share (ER in the SSS table)

PhilHealth: http://www.philhealth.gov.ph/partners/employers/contri_tbl.html

SSS: https://www.sss.gov.ph/sss/index2.jsp?secid=111&cat=2&pg=null

Pag-IBIG: Monthly contribution is P100. You have the option to upgrade your monthly contributions but the contributions can no longer be downgraded. You have the option to pay it monthly, bi-monthly, quarterly, etc.

Reply

liz July 3, 2014 at 2:17 pm

good day!

I would like ask, i’m employed in 2 different company – can i have both company deduct SSS, Pag-ibig & Philhealth contribution? Is okay if i opted to choose 1st company to deduct SSS, Pag-ibig & PHilhealth contri? and 2nd company to deduct only SSS? thanks…

Reply

Elvin July 5, 2014 at 11:09 pm

Hi Liz,

As far as I know, these government agencies especially SSS have a maximum contribution. Any amount greater than that would not be accepted. I would suggest to talk to your HR (both companies) and have them fixed it for you. You can also ask for their advice. You may want to clarify this with SSS, PhilHealth and Pag-IBIG.

Reply

kyleshane July 8, 2014 at 7:59 am

Good day po
tanong ko lang po kung pano magbayad ng SSS loans sa bank or SSS branch?kung ano po ipafollow na SSS number, kung SSS number ko o employer number? Kc po nagrequest po ako sa company namin na ako na lang magbabayad ng loans ko monthly kc late po sila lagi magpost hindi naman nila magawang on time magpost kaya ako na po nagvolunteer kc nagkakaroon lang ng penalty loans ko dahil sa late posting ng company namin pati nga po contribution late din magpapost. saka tuwing kelan po dapat magbayad ng monthly loans?kasi nakita ko sa website ngf SSS na depende sa 10th digit number ng SSS saka pano po ba yun example for July na month ko kelangan po ba July din magbayad?sana po matulungan nyo ako,thank u

Reply

Elvin July 11, 2014 at 12:42 pm

Hi Kyleshane,

Mas makakabuti po siguro kung bumisita po kayo sa pinakamalapit na SSS office sa inyong lugar para po masagot ang mga concerns nyo. Usually po kasi employer na talaga ang nag-aasikaso ng pag-babayad ng mga niloan nyo sa SSS.

Reply

Nikki July 10, 2014 at 2:06 am

Good morning po,
Since September 2013 po kasi unemployed na ako and hindi na po ako nakapaghulog sa SSS ever since. Magfile po sana ako ng Maternity Benefit, qualified pa po ba ako? And kailangan ko po ba magchange to voluntary member and post a contribution ASAP para makapagclaim? Thanks.

Reply

Elvin July 11, 2014 at 12:49 pm

Hi Nikki,

Just like I’ve mentioned dun sa earlier reply ko ang requirements sa maternity benefits ay:

1. Paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.

2. Given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.

In your case, dahil manganganak ka ng Oct 2014, your semester of contigency is from May to September 2014. The 12 month period prior the semester of contigency is from May 2013 to April 2014. Dahil employed ka pa until August 2013, pasok ka pa sa first requirement ni SSS.

Just be ready lang with your documents to claim your Maternity Benefits.

As for your other question, if you’re not employed now and want to still become an active member of SSS to avail its benefits you have to change to voluntary member and post a contribution.

Reply

edna cabrera July 10, 2014 at 2:34 pm

hi there!

im a woking mom nag work ako before pero as of nov 2013 hindi ko na nabayarn ang sss pag ibig and philhealt. May bago kong work alomost six month na ako dito pero hanggang ngayon hindi ko pa nuhuhulugan ang sss pag ibig and philhealt ko gusto ko siyang hulugan for the future of my three dauhgters and mag voluntary na lang po ako
panu po kaya ang gagawin ko
i hope na amatulungan ninyo ako thank you and god bless us

Reply

Elvin July 11, 2014 at 12:50 pm

Hi Edna,

Kailangan nyo pong pumunta sa SSS, PhilHealth at Pag-IBIG to become an active member again. May fifill-upan po kayo na form dun to change status from employed to voluntary member.

Reply

Che L. July 14, 2014 at 10:20 am

Good day, Journey to Millions!

Itatanong ko lang kasi employer ako. I started my business Feb 2014. Recently ko lang nairegister ang business ko sa PhilHealth. May empleyado ako na-hire ko noong February din. Ngayon pa lang ako makakapaghulog ng contribution sa kanya. Anong buwan ko dapat simulan ang paghuhulog? Simula ba noong na-hire ko siya?

Thank you so much!

Reply

Elvin July 14, 2014 at 4:22 pm

Hi Che,

You may verify this with PhilHealth. As far as I know, ang mahahabol mo na lang na contribution ng employee mo ay starting Q3 dahil tapos na ang Q2 at Q1 deadline. Sa pagkakaalam ko hindi sila (PhilHealth) nag-aaccept ng past due contributions.

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Che L. July 15, 2014 at 11:01 am

Thank you, Sir Elvin.

Nagpunta ako sa PhilHealth. Pinabayaran nila yung past due contributions simula February hanggang May sa akin kasama ang penalty. Kasi kung kailan daw na-hire ang empleyado, doon sisimulan ang contributions.

Pero okay na. Na-settle ko naman na. Thanks!

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Elvin July 15, 2014 at 10:13 pm

Thank you for sharing your experience with PhilHealth, Che. Ganun pala yun, required pala talaga magbayad ang employer even past due contributions.

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Victoria July 15, 2014 at 11:05 am

hello.. gusto ko sana ituloy ang contribution ko ngayon sa philhealth.. nahinto ang pagbabayad ko noong january as self-employed. self-employed pa rin naman ako ngayon.. dapat ko ba bayaran ang mga lumipas na buwan?? salamat..

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Elvin July 25, 2014 at 2:00 pm

Hi Victoria,

No need na. As far as I know hindi nag-aaccept ng back payments sa PhilHealth except for the same quarter.

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cheryl July 16, 2014 at 9:18 pm

hello po ask ko lang sana about case ko..galing akong saudi and im here now in abu dhabi under husband’s visa.bali from exit ko sa saudi dumiretso na ako dito with my husband..Gusto ko sana ituloy yung payment ko sa pag-ibig and philhealth kahit ako na ang magbabayad kasi pag umuwi kami ng pinas, wala narin naman akong eoc kasi wala ako work now especially im pregnant. paano po yun?pwede ba icontinue as ofw yung payment kahit wala na akong employer now?another Q po, makakaavail ba ng mga benefit sa sss khit nandito abroad like yung sa maternity sa sss khit d pa ako nkpagchange status?thanks much

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Elvin July 25, 2014 at 1:40 pm

Hi Cheryl,

You may continue your contributions even if nasa abroad ka. Search google or the comment section here about the vehicles on how you can pay outside the country.

As for the maternity benefits, I am not sure kung paano makakapagavail kung nasa ibang bansa ka. You may try contacting SSS office in Saudi. You may refer to this link: http://riyadhpe.dfa.gov.ph/index.php/ofw-welfare/sss-membership

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Jan July 21, 2014 at 6:07 pm

Hi! We’re planning to acquire lot purchase..and per requirement we are asked to pay the 15% as downpayment. This initial pay we can handle but the remaining 85% needs to be paid within 2 years…can i apply this for a loan thru pag-ibig or SSS? If yes, which has lower interest rate? What are the requirements? Thanks…

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Elvin July 25, 2014 at 1:45 pm

Hi Jan,

As far as I know you may apply it as a loan in SSS or Pag-IBIG as long as you satisfy the requirements. As for the interest rate, depende sya sa amount na iloloan mo. I suggest to try bank loans din.

For your reference, eto yung requirements sa SSS loans. Try to look for the category you’re looking for: https://www.sss.gov.ph/sss/index2.jsp?secid=756&cat=3&pg=null

As for Pag-IBIG: http://www.pagibigfund.gov.ph/benpro.aspx

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alvin July 22, 2014 at 1:26 pm

Hello po ask ko lang po last time i paid my contribution on my sss was 2011 but i already paid my loan i im a permanent resident here in US i want to continue my contribution po but i dont know how much monthly contri should i pay.
Saka po san category po ako mapapabilang kung ofw or self employed i was so confused regarding my payment nagpunta na po aq sa pnb depende daw po sa last contri ko po. Thanks po saka kung every month po ba aq maghuhulog

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Elvin July 25, 2014 at 1:52 pm

Hi Alvin,

I suggest, kung uuwi ka sa Pinas, yun ang pinakauna mong asikasuhin for you to continue your contribution. You can also pay sa government offices (PhilHealth, SSS and Pag-IBIG) to become active again. After that, pagbalik mo sa US, you can pay on online facilities. You may search the comment section here for the links.

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alvin July 25, 2014 at 2:19 pm

Hello po ulit kuya elvin, ndi q po ba pwd malaman thru online qng magkanu ung contri q po and qng san category po aq napapabilang kasi po nagwwory lang aq baka kasi maging inactive na aq e ndi q pa sure qng kelan uwi q po salamt po

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Elvin July 28, 2014 at 7:56 am

Hi Alvin,

Since ang last contribution mo ay 2011, inactive member ka na. You need to update your form by going to SSS office near you (although I am not sure kung meron sa US). You can start by emailing your concern directly to SSS specifically for OFWs. Here’s their email address:

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alvin July 28, 2014 at 2:07 pm

Yan po ung last contribution q pero nag bayad po aq last payment q po ay this year lang po ng 5k in peso po pero pwd q pa bang pa activate un? Salamat po

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JayTan July 24, 2014 at 10:12 pm

Hi! I have to ask this coz I have no to ask. I’m really lost about these things. I’m a fresh graduate. I already have a job. Sa 3rd month, review uli nila ako for ako kung tataasan sweldo ko. Oh and probation ako for 6 months. Then my employer said that they will pay SSS, Philhealth and Pagibig after 6 months pa. So for 6 months makukuha ko ng buo sweldo ko. That’s not right di ba?

applicable din po kaya ito sa sss and pagibig? thanks

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Elvin July 25, 2014 at 1:58 pm

Hi JayTan,

Required na bayaran ng employer ang SSS, PhilHealth and Pag-IBIG contributions. You may check the comment of Che L, an employer above.

You may clarify this with your employer baka hindi lang maayos ang pagkakaexplain sayo.

Kung ganun pa din, you may contact DOLE.

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Francis July 28, 2014 at 12:12 pm

Hi,

I hope to hear from you people. My father only paid 2 years to SSS long time ago. Now, he’s old, he wondered if he could claim something from SSS, so he inquired. He was told that he will only get a lump sum of his 2 year contribution with “minimal” interest. So he worked on the requirements and now waiting for SSS to release it. For me, it’s kinda funny because he doesn’t know how much will he get as SSS didn’t tell him how much. He’s been waiting for 2months now and I’m just wondering if it’s really worth the effort. My question is, do you guys know how much approximately he would receive? I’m thinking maybe it’s just a one time dinner bill at a not so fancy restaurant.

I don’t want to upset my father if he only receives close to “nothing” that’s why I am asking and I could tell him not to hope for it anymore.

Thanks a lot and God bless.

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Elvin July 28, 2014 at 12:21 pm

Hi Francis,

Your father is entitled to a lump sum for his two years contribution. According to SSS, the amount is equal to the total contributions paid by the member and by the employer including interest. If you can ask your father if he knows his contribution, then you can compute the approximate amount of his lump sum.

For more details, you may refer to this link: https://www.sss.gov.ph/sss/printversion.jsp?id=73&file=ben5000.html

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Francis July 28, 2014 at 12:28 pm

THanks for responding Elvin.

Do you have a clue how much is the interest?

Thanks

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nancy grace July 29, 2014 at 3:38 pm

hi po,.me MPL po ako april 2013 then calamity loan last Nov 2013..i planning to renew my MPL this Aug 2014…what if naka maternitl leave po ako nung APril 21, to june 2014 qualified po ba ako for the renewal?
thanks for the time..godbless

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Elvin August 4, 2014 at 8:02 am

Hi Nancy Grace,

Better ask SSS directly regarding your concern. Details of MPL are not posted in SSS website kasi.

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richard July 29, 2014 at 9:44 pm

paano po ba mg loan s sss?

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Elvin July 30, 2014 at 1:10 pm

Hi Richard,

You may visit SSS website (www.sss.gov.ph) then go to Loans tab tapos select mo lang dun yung loan na iaavail mo. Merong Personal Loan, Housing Loan at Business Loan na pwedeng i-avail. Andun din sa site kung ano ang requirements.

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Nana July 31, 2014 at 11:01 pm

Good day!

Magtatanung lang kung tama ba yung ginawa ng previous employer ko about sa SSS loan ko. Nagapply ako ng loan last year sa 1st company ko pero since biglaan yung pagresign ko at dumating yung cheque nung paalis na ako hindi nabayaran ng 1st company ko yung loan ng monthly. Tapos nagkawork ulit ako 2nd company na pero hindi ko naideclare na may loan ako kaya walang nababawas montly then after few months nagresign ulit ako. Ngayon may bago na akong work at binabayaran na ng bago kong work yung niloan ko pero nung kinuha ko yung back pay ko sa 2nd company binawasan nila ako ng lump sum na 16k+ para daw sa SSS loan ko. Ano ang gagawin ko sa nangyayari ngayon?

Thank you po sa response.

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Elvin August 4, 2014 at 8:23 am

Hi Nana,

I think yung ginawa ng second company mo is just right. However, you should tell your current employer na binawasan ka ng previous employer mo at hindi ka na dapat kaltasan pa.

Posible kasi na dahil hindi mo nadeclare na meron kang previous loan sa SSS, late nakita ng second employer mo ang loan mo sa SSS. At dahil nakapagresign ka na agad, hindi na mahahabol ng second employer mo ang pagkaltas sa sweldo mo kaya sa back pay na lang nila ibinawas. Ang pagdedeclare kasi ay responsibility ni employee.

If you think na sobra ang kinaltas nila, pwede naman ibalik ng SSS yun. You just have to request it sa SSS.

Here’s a link for your reference.
https://www.sss.gov.ph/sss/index2.jsp?secid=4066&cat=3&pg=null

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Joyce August 4, 2014 at 2:24 pm

Hi,

This is my situation: I was employed March 2014 and I already have PhilHealth, SSS and Pag-ibig already with my previous employer. However, pagcheck ko sa PhilHealth last month, hindi pa updated ang Employer details ko sa MDR. Self-employed pa ako and single sa details ko sa MDR even though I already submitted “for updating” form and necessary docs (marriage cert,etc) pagsubmit ng pre-employment requirements. Kailangan ko kasi sana makita na updated MDR kasi I am due to give birth next month. As per my employer, hindi pa daw kasi naproprocess ng PhilHealth ang mga sinubmit nilang requirements ko kasi by bulk daw sila magsend (which is way too late in my opinion). My question is, pwede ba ako magpadependent sa PhilHealth ng asawa ko muna since malapit na ako manganak? And also, kakapa-opera pa lang niya last month, nagamit niya din ang PhilHealth niya, pwede kaya mgamit niya uli yun for me next month if allowed ako maging dependent niya?

Thank you.

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Elvin August 4, 2014 at 3:57 pm

Hi Joyce,

Sabi ng HR namin, mukhang hindi mo magagamit ang PhilHealth ng husband mo for your maternity dahil may 90 days limit ang pagclaim sa PhilHealth. This means that if last month huling nagamit ang PhilHealth, you have to wait three months bago makapagclaim ulit. You can verify this with PhilHealth.

As for becoming a dependent by your husband, you’ll just have to submit marriage certificate when filing a claim. It happened to me when my wife got hospitalized last year. Hindi updated ang MDR ko at wala akong dependent. When I filed for a claim, nagsubmit ako ng marriage certificate. Wala naman naging issue.

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Joyce August 4, 2014 at 5:17 pm

Thanks for the quick response. I also tried calling the PhilHealth hotline and the rep who answered was really nice in answering my queries.

I have another question, ano iyong sinasabi ng Pag-ibig rep noong pagtawag ko na sa SSS daw hinuhulog ng employer ko ang Pag-ibig contributions ko kasi hindi din updated Pag-ibig number ko with my new employer? And also with my co-worker’s case na iyong contributions niya sa PhilHealth ay baka sa SSS din daw hinuhulog ng employer namin since wala pa siya PhilHealth Identification Number, just last Friday lang nagenerate.

Thank you again!

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Elvin August 4, 2014 at 10:32 pm

Hi Joyce,

I’m glad na naging maayos ang conversation mo sa PhilHealth rep.

As for your other question, I found it weird. I don’t have an idea na naghuhulog ang employer ng Pag-IBIG contributions sa SSS. I’ll do some research on it.

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Joyce August 5, 2014 at 10:40 am

Hi Elvin,

Regarding pala sa PhilHealth uli, ang pakakaintindi ko kasi sa nabasa ko sa PhilHealth site, hindi pwedeng gamitin uli PhilHealth within 90 days ng same person with same illness. Pwede patulong to clarify?

Regarding my second question, yes, even I found it weird pero ganun ang sinagot ng Pag-ibig rep saakin as well as sa co-worker ko. Sabi ng PhilHealth rep na nakausap niya, check with our local PhilHealth office to see if yung contributions ng employer namin ay through SSS since wala pa siya PhilHealth number before.

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Elvin August 6, 2014 at 2:52 pm

Hi Joyce,

I asked a PhilHealth representative yesterday and here’s their answer:

We wish to inform you regarding our policy on Single Period of Confinement (SPC). SPC refers to a confinement or series of confinements for the same illness with intervals of not more than 90 days. In such cases, members are not entitled to another set of benefits/allowances until after 90 days. They can only avail of the unused portion of the benefits and room and board allowance until the 45 days allowance is exhausted.

However, members can avail themselves of a new set of benefits if succeeding confinements within the 90-day period are of different illnesses or conditions.

I also get in touch with another HR friend about your query. Sabi nya na it would be best to fix your PhilHealth kasi possible kang makasuhan ng fraud once nag-update na ang data mo sa PhilHealth at nakapagclaim ka na from your husband’s PhilHealth. Hindi kasi ikaw pwedeng ideclare as dependent since you’re currently employed and entitled to PhilHealth benefits.

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aires August 5, 2014 at 8:22 pm

Ask ko lang po about sa philhealth… Kppnganak k lng po last july, normal delivery then snby n rin po ligation process…nung ngbyd npo ng bill sbi ng clerk dun 5k lng daw po covered nng philhealth for normal delivery kya 5k lng nbwas sa bill..
Ask ko lng po kung walang additional na icocover ang philhealth dun sa bill since nagpa opera nmn po ako…thank you.

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Elvin August 9, 2014 at 5:03 pm

Hi Aires,

You have to verify this with PhilHealth baka kasi hindi covered ng PhilHealth ang ligation procedure.

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Marty August 9, 2014 at 3:16 pm

Good day po Sir Elvin! Ask ko lang po..I am an active pag-ibig member for 6 years at nagMulti-Purpose Loan po ako twice. Umalis po ako ng work ko ng May 2007. Yung collection period po ng 1st loan ko ay from May 2005 to Apil 2007. Yung collection period naman po ng 2nd loan ko ay from May 2007 to April 2009 with previous loan balance dun s 1st loan ko. Since May 2007 up to now ay wala na po akong work. Ano na po kaya ang nangyari sa loan ko po. Chineck ko po kasi online yung short term loan ko, i clicked VIEW FILED STL STATUS then ang nakalagay po ay NO APPLICATION TO VIEW. Ibig sabihin po b nun ay nabayaran na po yung loan ko because of my previous contributions?

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Elvin August 9, 2014 at 4:55 pm

Hi Marty,

Mas mabuting pumunta sa Pag-IBIG office to check kung bayad na ba talaga ang multipurpose loan mo. Most of the time kasi ay hindi updated ang online system ng mga government agencies na ito.

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Marty August 9, 2014 at 5:15 pm

Salamat po Sir Elvin! God bless you. B)

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JO ANN August 13, 2014 at 11:21 am

H,
question lang, if you are in maternity leave for 3 months, dapat ba 3 months din hindi magbabayad ng contribution sa pag ibig? di ba my share ang company sa bawat contribution(monthly)? so if on leave ang employee they should have paid for the employees contibutions monthly then deduct after resuming of work.tama ba? or can i update my contribution and pay for the last 3 months na on maternity leave ako.

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Elvin August 14, 2014 at 1:25 pm

Hi Jo Ann,

It depends on the employer. There are employers who still give salaries to their employees even on maternity leave, others don’t. Employers are not obliged to pay the employee during this time. Better ask Pag-IBIG or your HR about this.

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Jenevie August 13, 2014 at 5:55 pm

Inquire ko lang if pwede ko poh continue yung 1 month na walang hulog sa philhealth.. like end of contract on June and nag ka work ng month August.

thanks.

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Elvin August 14, 2014 at 1:27 pm

Hi Jenevie,

Pwede naman. Hassle din kasi magpalit ng status from employed to self employed to employed ulit.

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aires August 14, 2014 at 3:08 am

Thanx po sa reply sir elvin..may additional question pa po ako..nagbigay n po kc ako ng resignation letter sa employer pgktapos po ng maternity leave ko last aug. 7, kaso po ngaun balak ko sana magloan sa sss… Pano ko po xa maififile..since ngrender n po ako ng resignation?

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Elvin August 14, 2014 at 1:29 pm

Hi Aires,

I think mahihirapan ka to get SSS Loan. Mas madali kasi ang process ng loan application if employed ka. Better ask SSS directly for your situation.

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goldie August 17, 2014 at 8:58 am

yun previous employer ko hind nireremit yung mga sss, pag-ibig at philhealth namin for more than 8 years and I’ve been in the company for 11 years at yung mga ibang taon e bingi-bungi pa. ano po magandang gawin ko? sobrang need ko mabawi yun. please help me. need some advise. thanks.

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Elvin August 17, 2014 at 11:25 am

Hi Goldie,

Paano mo nalaman na hindi nareremit ng company mo ang SSS, PhilHealth at Pag-IBIG? If galing mismo ang info na ito sa government agencies na ito, pwede mong ireklamo sa DOLE ang karapatan nyo.

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goldie August 17, 2014 at 2:02 pm

2 years ago nalaman ko na and aminado nman ang company. hindi lang ako nareklamo kc sabi nila aayusin daw. and until nag resign ako, ang sabi lang is aayusin. pero gusto ko makasigurado. and humingi na ako ng copy of contri ko sa sss, pagibig and philhealth at makikita din mismo dun. hindi ko lang talaga pano ko sisimulan ang pag aayos nitong problema ko.

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Elvin August 18, 2014 at 9:27 am

Hi Goldie,

You can start by reporting it sa SSS. Just tell them what happened to you. Be sure to have a copy of your payslips, company ID and other employment documents.

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Marie Bautista August 18, 2014 at 2:18 am

Hi.
Ask ko lang po hindi ko po nabayaran yung 2nd quarter ko sa philhealth which is (april-june) as individual payer . Pede po pa po ba sya bayaran ngayon?

Thankyou and Godbless!

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Elvin August 18, 2014 at 9:28 am

Hi Marie,

Sa pagkakaalam ko po ay hindi na. Tapos na po kasi ang last day ng June but you can try by visiting PhilHealth office.

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Let August 19, 2014 at 12:07 pm

Hi!

I would like to ask how is the process for underpayment? I was hired last June 2014. And I should have started my government remittance contribution for July. However, our staff failed to include me. How will be the process for underpayment?

Thanks!

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Elvin August 19, 2014 at 12:22 pm

Hi Let,

If I am not mistaken, it is the responsibility of the employer to remit the contribution on time. In case they missed it, they should pay it plus the corresponding penalty. You may refer to Che L.’s comment on this post. 🙂

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Let August 19, 2014 at 5:27 pm

Thanks!

I understand that it is the employer’s responsibility. However, I’m the HR here and I’ll be the one in charge or processing the government remittances that is why I’m asking. =)

Thanks again!

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Elvin August 20, 2014 at 12:38 pm

Hi Let,

If that’s the case, I think it would be best to visit these government agencies to ask them directly about their process.

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Celine August 20, 2014 at 3:50 pm

Hi there! May tanung lang po ako. I have a philhealth number before and I am categorized as a voluntary member. Now I am soon to be employed and I am curious if I can use that number already or do I need to convert it? Can I just use it and give it to my employer? Thanks a lot!

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Elvin August 21, 2014 at 3:15 pm

Hi Celine,

You can use your existing PhilHealth number. Your employer will update your status from a voluntary member to employed.

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belle August 21, 2014 at 2:59 am

hi..finally someone like you i could ask..always busy and unavailable hotline ng SSS..so frustrating..anyways i would just like to ask po if i can update my civil status to married online kahit di na ko active member? i worked for 5yrs lang then i resigned last year January..i dont know if pwde mag-update ng status including BIR and Pagibig kahit di na active..

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Elvin August 21, 2014 at 3:13 pm

Hi Belle,

You should visit an SSS office near you to change status. Same goes for Pag-IBIG and PhilHealth. For BIR, I am not sure.

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Faye August 22, 2014 at 4:45 pm

Good afternoon po!
Ako ay di active member ng SSS, paano po ba ang dapat gawin pra maka avail ako ng loan sa SSS. Ano po ba ang mga loan dito? Thank you po in advance sa inyong mga kasagutan!

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Elvin August 25, 2014 at 12:23 am

Hi Faye,

Kailangan mong maging active na member bago makapagloan. Para maging active, kailangan mong pumunta sa SSS para makapagbigay ng iyong contribution. Ang loans kasi sa SSS ay maari lamang ma-avail ng mga active na members. Para sa mga loans, pwede mong puntahan ang website ng SSS (sss.gov.ph). Andun din lahat ng mga requirements.

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Jasmin August 23, 2014 at 7:05 pm

Goodevening po. Kaka-accomplished ko lang po ng pag ibig online registration form ko noong last friday night, August 22. Tanong ko lang po sana kung paano ko mapapalitan yung memeber category ko. ang nailagay ko po kasi ay unemployed pero employed in private po sana.
Thank you.

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Elvin August 26, 2014 at 10:15 am

Hi Jasmin,

You may visit https://www.pagibigfundservices.com/ then select the option Update Registration Information using the Pag-IBIG Membership ID (MID) Number. Enter your details on the next page then that’s it.

Reply

ralph August 27, 2014 at 4:41 pm

Hi po..ask ko lang po sa sss, gusto ko po idowngrade yung contribution ko from max. contribution to 500+ pesos na lang po kasi hindi ko na mabayaran yung ganoong halaga at gusto ko parin po macontinue yung sss contribution ko..

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Elvin August 28, 2014 at 3:43 pm

Hi Ralph,

The SSS contribution is based on your salary. So hindi basta basta nakakapagdowngrade ng contribution. You may visit SSS office for clarification.

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tan August 28, 2014 at 9:32 am

Nagresign me sa work ko last april. just wanna ask kung pwede na ba ko mag loan if babayaran ko yung hindi ko nahulugan from may to september? kc i beleieve by september ako makakapagloan kc 36 contribution na sya by that time if im sill working. thanks

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Elvin August 28, 2014 at 3:45 pm

Hi Tan,

Sa pagkakaalam ko, SSS does not accept back payments. You may verify this by going to SSS office.

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tan August 28, 2014 at 5:08 pm

Ah ganun ba thanks po. great site very helpful

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jp August 30, 2014 at 7:58 pm

Hello po, question about philhealth contribution. One year na kasi ko di nagcontribute. Puwede ba icontinue ko magbayad ng philhealth contributions as voluntary? Voluntary na din yun status ko noon pa.Puwede ko ba bayaran agad sa sm or bayad centers? Or dapat pumunta ko philhealth muna kasu one year na ko di nagcontribute.salamat sa pagsagot po

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Elvin August 31, 2014 at 11:53 am

Hi JP,

Mas magandang pumunta ka sa office ng PhilHealth to pay for your contributions. Although, hindi ko lang sure kung tumatanggap ang SM or bayad centers ng contributions from inactive accounts. Kung mas malapit ang SM or Bayad Center sa iyo, you can try it, then let us know what happen. 🙂

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Leny September 3, 2014 at 2:47 pm

Hello po, just browsing through kabuhayan swak na Swak and I come across the Youtube of On the Money program by Edric Mendoza Pag-ibig fund, SSS and Philhealth. must admit it caught my attention.

Just wondering if a former Filipino leaving abroad and has dual citizen can apply for Pag-ibig Fund or both. I really want to know because I am interested to join Pag-ibig Fund so in the future I might need to get some loan to build a house on my land in the philippines. Hoping to get immediate response and please include too what documents I need to join and who can i contact? Thank you so much.
Kind regards.

Reply

Elvin September 11, 2014 at 3:39 pm

Hi Leny,

I think you can apply for a Pag-IBIG as OFW member (although I am not sure). It would be best to visit PH embassy in your country to ask how you can apply.

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Ashee September 10, 2014 at 3:10 pm

Hi !

I would like to ask lang kasi medyo naguguluhan pa po ako.
Im currently unemployed and at kakagraduate lang, wala pa po akong trabaho since then pero dahil lahat ng work kailangan ng SSS, PHILHEALTH AT PAG IBIG gusto ko pong kumuha, ang question ko lang is. Pwede po ba akong kumuha kahit unemployed ako? Para pagdating ng pagkakataon na hanapan ako ng employer ko e meron na ako…

THANK YOU !!!

Reply

Elvin September 10, 2014 at 7:09 pm

Hi Ashee,

How long would you think na magiging unemployed ka? Dun nakasalalay kung maganda bang kumuha ka na ng SSS, PhilHealth and Pag-IBIG. If sa tingin mo matagal kang magiging unemployed, kuha ka – yun nga lang you need to deposit your contributions regularly. Kung tingin mo naman ay makakakuha ka na ng work within the next 6 months, wag muna. Hayaan mo na na pakuhanin ka ni employer.

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Ashee September 10, 2014 at 10:12 pm

Di naman po mahirap kumuha kung sakali, di ba? So if ever na tingin ko magkakatrabaho na ko thats what I should do? Okay, po.

THANK YOU !

Reply

Elvin September 11, 2014 at 7:44 am

Hi Ashee,

Hindi naman. Kadalasan nga employer pa ang nagaasikaso nun for their employees.

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Ashee September 11, 2014 at 11:10 am

Ok salamat po !

New question ! Haha.
Magkaiba po ba yung sss number lang sa id? I mean, if mag aapply ka for sss magkaiba pa po ba yun sa id?

Reply

Elvin September 11, 2014 at 3:36 pm

Hi Ashee,

What do you mean magkaiba? Unified ID ba yung ibig mong sabihin?

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Ashee September 12, 2014 at 9:44 am

Siguro? May nabasa po kasi ako somewhere na magkaiba daw yun and di ko gets…

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ROEL September 13, 2014 at 12:29 pm

Hi po, ask ko lang kung paano po kung yun magpepension ay deceased na, sabi po kasi sa amin ng SSS, ipapasa daw po yun sa asawa at sa kapatid namin na wala pang 21 yrs old. Ang kinakatakot ko po kasi is yun asawa ng kapatid ko na syang nagaayos nun pension ay gusto i-lump sum lahat. Ang gusto po kasi namin mangyari ay monthly pension na lang. Ang tanong ko po is meron po bang option na ganun sa SSS na i-lump sum lahat ng pension?

Reply

Elvin September 13, 2014 at 2:13 pm

Hi Roel,

Base sa website ng SSS, ang monthly pension ay makukuha kung ang member ay nakapagcontribute ng 36 months before his semester of death. Lump sum ang makukuha kung less than 36 months.

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ROEL September 13, 2014 at 2:33 pm

Thank you Sir Elvin,
Paano po kung lagpas ng 36 months, kaya po bang i-lump sum lahat yun?

Reply

Elvin September 16, 2014 at 1:31 pm

Hi Roel,

I think it would be best to ask SSS directly.

Reply

Mustard September 17, 2014 at 10:42 am

Hi Sir Elvin, nice site.. super helpful.. i have question po, ahm nagrerequest po aQ dun sa employer nmin if i could have higher deduction sa SSS/PHIC even if beyond po un sa salary bracket Q.. Okay lang po ba yun since nag-agree nman ung employer Q as long as okay daw sa SSS/PHIC? thank you so much! (;

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Elvin September 17, 2014 at 10:55 am

Hi Mustard,

I think your employer would not allow you to increase your SSS and PhilHealth contributions. Based kasi yun sa salary mo and meron din kasi silang share. Increasing your contributions would also mean increasing their (your employer’s) contribution.

Thanks for appreciating our site, by the way. 🙂

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Tet September 17, 2014 at 11:03 am

Thank you so much for immediate response. But if happens that they agreed, is it okay to deduct higher amount? Since this would be part of the benefits anyway. (; Love to hear your thoughts.. God Bless. (;

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Elvin September 17, 2014 at 12:08 pm

Hi Tet,

You have to make SSS and PhilHealth agree too because they’re the ones who will be receiving your hard earned money.

Your employer might agree to deduct SSS and PhilHealth contribution but may have issues in remitting them because there’s a specific amount which is tied up with the basic salary.

What I’m saying is, better ask SSS and PhilHealth. As far as I know they will not allow it on their end.

By the way, are you Mustard too? 🙂

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Tet September 17, 2014 at 12:44 pm

Yes.. Sorry for the confusion.. I will do your advice. Thanks for sharing your thoughts! Great Help! (;

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CMT September 18, 2014 at 11:30 am

Sir/Ma’am,

Nagbayad po kasi ako ng contributions sa bank for August po dapat yun kasi Sept plang po ngayon, ang nangyari po nakalagay sa receipt at yung nabayaran ko for sept na po kagad, sa company po namin yun. Panu po kaya yung pwede kong gawin? or automatic na po iyon na kapag nagbayad po ng sept ay for the period of aug yun? thanks po.

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Tet September 18, 2014 at 12:03 pm

Hi CMT,
Actually naka-experience na din po kami ng ganun.. nagkamali na nalagay ng applicable period dun sa r5 form.. ung ginawa po namin nun, gumawa kami ng letter stating the error and the correct period. tapos inattach po namin ung photocopy ng receipt dun sa letter. baka po kc hindi un macredit for that month. ung details po kc sa receipt ung susundan nila. (;

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Elvin September 18, 2014 at 2:40 pm

Thanks for sharing your experience Tet. 🙂

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Elvin September 18, 2014 at 12:04 pm

Hi CMT,

As far as I know SSS does not accept bank payments. So nilagay nila sa Sept at hindi sa August period.

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Tet September 18, 2014 at 2:24 pm

Hi Elvin,
Do you have an idea if when is the valid date of operation? Is it when we receive the businees permit form the city hall or the date of our barangay clearance? i’m confused.. thanks much! (;

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Elvin September 18, 2014 at 2:30 pm

Hi Tet,

To be honest, I have no idea.

By the way, where did you see the valid date of operation? Perhaps you may want to ask the agency where you got the form.

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Tet September 18, 2014 at 2:46 pm

Thanks Elvin.. (; Sobrang magkaiba kc ung date nung cityhall and nung barangay clearance..

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Elvin September 18, 2014 at 2:49 pm

Baka pwede mo gamitin either date. Hehe.

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CMT September 18, 2014 at 2:32 pm

Thanks po, Philhealth po kasi yun.

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Elvin September 18, 2014 at 2:42 pm

Hi CMT,

You may follow Tet’s advise. I think maicocorrect pa yun kasi same quarter naman ang August and September. 🙂 Usually, kasi they work in quarters.

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Tet September 18, 2014 at 2:43 pm

same process for philhealth.. (;

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sharon September 18, 2014 at 5:52 pm

hi. employer po ako ng small business as single proprietor for 14 years now. dati po wala akong employee kasi tulong tulong lang kaming magkaka mag-anak sa negosyo. ngayon po may employee na kami 2. at dahil mandatory ang sss philhealth at pag ibig ay i aaply ko na. Ang tanong ko po ay ma pepenalty po ba ako sa ganitong sitwasyon? At paano po ba ang gagawing kong 1st step. Philhealth po ba muna o sabay sabay na lahat i aapply? ako po may sss at philhealth pero voluntary lang. kapag inapply ko na po ba mga employees ko ano na magiging category ko? employer na pa ba? thank you

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Elvin September 19, 2014 at 8:10 am

Hi Sharon,

You have the same case as Che L.(isa sa nagcomment on this post), pinabayad sa kanya yung past due contributions saka penalty. Since nasabi mo na 14 years na yung small business mo, I am not sure kung ano ang process dito.

I think it would be best to visit these government agencies to verify with the process.

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Che L. September 19, 2014 at 8:25 am

Ang pagkakaalam ko ang sisimulan mong hulugan ay kung kailan mo na-hire ang empleyado mo. Kung na-late ang contribution mo may penalty na.

For me, better nga na personally ka pumunta para mas maliwanagan ka. 🙂

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Elvin September 19, 2014 at 11:23 am

Thanks Che L. for once again sharing your experience. 🙂

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sharon September 19, 2014 at 6:53 pm

thank you po.

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CMT September 18, 2014 at 8:49 pm

Thank you so much po.

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Tet September 23, 2014 at 1:15 pm

Hi Everyone,

May i ask if how many days are the process for the SSS employer registration? Thanks (;

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Che L. September 23, 2014 at 5:09 pm

Yung sa amin inabot ng one week. I got there Friday and released the papers on Thursdays next week. 🙂

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sharon September 23, 2014 at 8:27 pm

hi ms. che, kailangan ba umaga pa lang pupunta na sa sss branch for employers registration? kasi after lunch lang available time ko. baka kasi may cut off sila sa pagtanggap ng client? After ba nila malaman history mo kung bakit ngayon ka lang magpapa register e iinvestigate ka muna nila sa placeng business? thanks

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Tet September 24, 2014 at 11:01 am

Thanks Ms Che.. (;

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Che L. September 24, 2014 at 8:28 am

Okay lang kung after lunch. Dito kasi kami sa Las Pinas since dito naka-locate ang business namin. Ang pipilahan mo ay Corporate Lane. Dapat kumpleto ka sa requirements. Kapag kulang ang dadalhin mong documents, pababalikin ka nila para kumpletuhin mo. Minsan kasi mahaba ang pila diyan. Better kung bumisita o tumawag ka muna sa SSS branch niyo at tanungin ang complete Employer Registration Requirements. 🙂 Hope this helps.

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sharon September 26, 2014 at 7:08 pm

thanks a lot ms. che 🙂

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weng September 29, 2014 at 3:38 pm

Hi gud pm sir ask k lng po dati akong ofw kakauwi k lng nung july ta buntis aq. Dati n po aq member ng philhealth kaso na stop xa almost 6 years..pgkauwi k po binayaran k n po july 2014 to dec 2014. Tanong k po if mkakakuha po b aq benefits s philhealth kc mangAnganak n po aq s dec 2014.tenk you

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Elvin September 30, 2014 at 10:00 am

Hi Weng,

Please verify this with PhilHealth if you are qualified. Ang nasa website kasi ng PhilHealth to avail the benefits are the following:

1. Payment of at least three monthly premiums within the immediate six months prior to the month of confinement.
2. Confinement in an accredited health care institution for at least 24 hours (except when availing of outpatient care and special packages) due to an illness or injury requiring hospitalization.
3. Attending physicians must also be PhilHealth-accredited.
4. 45 days allowance for hospital room and board for one year is not yet exhausted

Based on the information given and the first condition, dapat covered ka. Again, please verify this with PhilHealth.

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Che L. October 1, 2014 at 11:37 am

Hello! Sir Elvin, yung father ko bagong register pa lang siya sa PAG-IBIG as voluntary. Tuwing kailan ba dapat siyang magbayad ng contribution niya? at saan? Thank you!

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Elvin October 2, 2014 at 10:35 am

Hi Che L.,

I am not sure if pwede ibulk ang payments for Pag-IBIG. Dun sa tanong mo kung saan pwedeng magbayad, Pag-IBIG payments are accepted in Bayad Centers and SM Business centers (including SaveMore and Hyper Market).You may refer to this link: http://www.pagibigfund.gov.ph/payments/paymentfacilities.html

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Che L. October 2, 2014 at 2:39 pm

Every month ba siyang magbabayad ng 200 pesos? May deadline ba ng payment of contribution kapag voluntary?

Thank you!

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alynna79 October 1, 2014 at 12:34 pm

Hi sir have a nice day.
Ask ko lang po kung ilang years ang minimum contribution sa sss? Thanks a lot.

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Elvin October 2, 2014 at 10:29 am

Hi Alynna79,

It depends on the goals you have with SSS. If it’s for retirement purposes, you have to contribute at least 120 months worth of contribution prior to the semester of requirement. You may check the requirement for each benefit on the SSS website.

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Lhoy October 2, 2014 at 12:21 am

Tanong ko lang po, ang salary deductions po ba ay may fixed schedule? Kasi nag rerequest ako sa employer ko na ibawas yung loan payment ko every 1-15 pay period, ayaw nila pumayag, kasi every end of month pay period lang daw ang deductions. Please advise.

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Elvin October 2, 2014 at 10:22 am

Hi Lhoy,

Yes. Meron syang fixed schedule.

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Rachel October 9, 2014 at 1:44 am

tanong ko lng, nag work ako sa isang cc company for 2 months lng and hindi pa ako regular but i went awol. makikita paba ung contributions ko sa sss? kasi when i tried to register online to see my contributions. nakalagay dun na i have to provide any 13-digit SS Employer ID/Household SS Number where you worked for at LEAST SIX MONTHS. at hindi nman ako umabot ng six months. so may contributions na ba ako? kasi sa pay slips ko may deduction kasi

Reply

Elvin October 9, 2014 at 7:30 pm

Hi Rachel,

I think makikita sya if niremit ni cc company mo ang contributions sa SSS. It would be unfair on your end if hindi sya lumabas.

As for the online registration, you may indicate your previous employer prior the cc company. If wala, mas magandang pumunta sa SSS directly to ask for your specific concerns.

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ejean October 11, 2014 at 3:45 pm

gud day po,, tanong ku lng po sana kung pwede pa gamitin ng beneficiaries/ dependent yung philheath ng namatay na member? ibig ku pong sabihin e, continious po ung paghuhulog, tumigil lng nung namatay na. yun po ba ay pwede pa magamit ng asawa o anak.? kasi kung nd po, sayang naman ung naihulog nung member dahil hindi naman po masyado nagamit.? salamat po sa reply…

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Elvin October 11, 2014 at 8:12 pm

Hi Ejean,

To answer your question, yes pwede gamitin ng beneficiaries/dependent yung philhealth ng namatay na member provided that the dependents are qualified. They will be subjected to PhilHealth’s terms and conditions.

Please visit PhilHealth office for more details.

You may also want to read their Circular 58 of 2012 about the Coverage of Dependents of Deceased Members.

http://www.philhealth.gov.ph/circulars/2012/circ58_2012.pdf

Andun yung instructions kung papaano. 🙂

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azi alonzo October 12, 2014 at 4:32 am

Hello po. January 2003 pa po yata ang huli kong contribution ng sss, pag-ibig at philhealth, ng lumipat po ako ng ibang company di po nila iyon hinulugan, that was March 2003 – Aug. 2006 po, then nag-abroad na po ako at never ko na pong nahulugan ang mga ito, may loan po ako sa sss at pag-ibig. I want to pay my loan and be an actice member again. Existing pa rin po ba yung SSS Loan Condonation Penalty Program?

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Elvin October 16, 2014 at 8:57 pm

Hi Azi.

I am getting mixed feedback from my research kung nag-eexist pa ang SSS Loan Condonation Penalty program. To be sure, please visit an SSS office near you, para makapagfill-up ka na din ng form to become active member ulit.

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LhynMangila October 13, 2014 at 2:59 pm

Good day po! Ask ko lang po kasi nagresign po ako sa work ko last May 2014, up to now wala akong work dahil August nung nalaman kong pregnant pala ako. Gusto ko po sana ituloy yung paghuhulog sa SSS and Philhealth ko as Voluntary para makakuha po ako ng Maternity Benefits. Pwede ko po ba hulugan yung months na di ako nakapaghulog? (June-present) Thanks in Advance

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Elvin October 16, 2014 at 9:16 pm

Hi Lhyn,

Sa pagkakaalam ko kasi, di nag-aaccept ng back payments ang SSS. You may visit an SSS office to verify this.

Tapos, I think kahit hindi ka nakapaghulog ng June to present ay nasatisfy mo naman ang requirement ni SSS for maternity claim.

Based on the SSS requirements para makapag-avail ng Maternity Claim. You should have:

1. Paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.

2. Given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.

You may refer sa link na to for more details.

http://www.sss.gov.ph/sss/printversion.jsp?id=53&file=ben3000.html

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Ben October 16, 2014 at 11:17 am

Hi i would like to know how many months to have a salary loan to pag-ibig ? hope to have you feedback

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Elvin October 16, 2014 at 9:04 pm

Hi Ben,

You may refer to this link for the requirements.

http://www.pagibigfund.gov.ph/benpro/STL/stlreq.htm

Sa pagkakaalam ko hindi months eh. Nakadepende ang maximum na pwede mong iloan sa dami ng contributions mo. You may visit a Pag-IBIG branch near you para mas mabigyan ka ng clarity.

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Ben October 17, 2014 at 4:57 pm

Hi

does it mean my salary loan will be based on how many contributions I’ve done ? other says that i should have a 6 months contributions before i can have a loan for 1month salary.

hope to get your response again

Thank You!!

Reply

Elvin October 17, 2014 at 9:24 pm

Hi Ben,

To be honest, wala kasi akong nakita sa requirements ng Pag-IBIG na may minimum number of contributions eh. Unlike sa SSS part talaga sya ng requirement. Better ask Pag-IBIG directly para makasigurado.

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aires October 17, 2014 at 9:23 am

Hi sir, ask ko lang po kc…nanganak po ako last july then hindi ko pa naibibigay sa employer ko ang maternity reimbursement for sss. Magkakarun po ba ako ng problema tungkol dito, kasi nagresign na rin po ako matapos ang leave ko? Thank you po.

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Elvin October 17, 2014 at 9:21 pm

Hi Aires,

Baka kunin na lang ng employer mo ang nakuha mo sa SSS from your back pay. Although I am not sure, better ask your previous HR about this.

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Alma October 17, 2014 at 5:28 pm

Hello sir, my husband has never been employed in a company but still he makes contribution from the day he got his SS number 10years back. His contribution status in the payment form is under self-employed. I just learned that you need to have a business in order for you to be called as self-employed. The problem is, he does not register any business name since he is a freelancer construction worker. I understand that voluntary status is the shift from being employed to unemployed. Can his contribution for the past 10 years still be counted?

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Elvin October 17, 2014 at 9:28 pm

Hi Alma,

First of all, I would like to commend your husband for his persistence and discipline in paying his SSS contributions for the past 10 years! 🙂

In my opinion, I think dapat walang maging issue ang husband mo. Contribution is contribution whatever the status. Saka inaaccept naman ang payment nya right? But to be sure, visit SSS branch near you para maupdate na din ang status.

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Karla October 22, 2014 at 10:15 am

Pwede po bang magchange ng sss status ang non working spouse to employed/voluntary member if naemploy later?thank u po.

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Elvin October 22, 2014 at 11:13 am

Hi Karla,

Oo naman. Minsan pa nga si employer pa mismo ang nag-uupdate ng SSS status.

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Karla October 22, 2014 at 11:41 am

Thank u po, pwede po kaya aq mag apply as NW spouse kahit last year pa po aq nakakuha ng sss number? Ngkaproblema po kc aq at ang alam q registered nq as self employed since nagbabayad na po aq since last year. Kahapon po nag apply aq ng maternity benefit but turns out i am not properly registered dahil E1 lang ang meron aq at walang RS1 kaya invalid daw po ung contributions ko dahil wala din akong date of coverage. Someone advised me na magbayad this month as VM para daw po makaavail aq ng maternity pero ang worry q po baka mareject pag nag apply nq ng reimbursement. Pwede ko po bang gawin ung advise sa akin? Very disappointed po kc ako dahil akala q makakaavail aq ng maternity benefits but because i was mistakenly advised noon by the sss officer na pwede nq magstart ng bayad basta icheck lang self employed. Please enlighten me po qng paano ang gagawin, thank u.

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Tet October 22, 2014 at 11:22 am

Yap.. ang employer required clang magreport ng new employees every month.. so ang alam ko magrereflect na ung change of membership status mo nun. (;

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ann October 25, 2014 at 6:11 am

Gud day ask ko lng po may dumating po kasing SOA s akin from pagibig lumalabas n may nagloan since 2012 gmit ang name ko pero hindi naman po ako nagloloan..posible po b yun n may makapagloan sa account ko or inside job daw. Bale po umabot n sya ng 9000 kasi yung utang dun ay calamity nasa 7000 plus the interest kya umabot ng 9000 sno po pwd ko gawin hindi po aq nagloloan.

Ano po pwd ko gawin dun?

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Elvin October 25, 2014 at 11:10 pm

Hi Ann,

Mas makakabuti siguro kung pupunta ka sa Pag-IBIG office to clear your name. Be ready with the documents na nagpapatunay na hindi ikaw nagloloan sa Pag-IBIG. It would also help kung mag-seseek ka ng advice from a trusted lawyer.

Hope this helps.

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ccc October 28, 2014 at 1:02 am

Hello. May I know where can I easily monitor if my employer is remitting my SSS, Philhealth and Pag-ibig contributions? Also, if my last day in my current company is end of November and will start in the new company on December, who will give me my ITR for 2014? Is it the company I am with until November or the new company I will work with on December? I will appreciate your soonest feedback. Thank you so much.

Reply

Tet October 28, 2014 at 12:17 pm

Hi ccc,

i’m doing payroll accounting. Both of them should give you an ITR (or form 2316).
Ask your previous company to give you your ITR(2316) and submit the photocopy of it to your present employer. It is your present employer who will consolidate your earnings for the year. (;

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Elvin October 28, 2014 at 12:59 pm

Thanks Tet for answering ccc’s concern. 🙂

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ccc October 29, 2014 at 12:10 am

Thank you so much, Tet. 🙂 How about the easiest way to monitor if my employer is religiously remitting my contributions in SSS, Philhealth, and Pag-ibig?

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Tet October 29, 2014 at 7:45 am

I have also problem with that. For SSS, i know you could register online to check your contribution status. but for Philhealth and Pag-ibig, not sure yet.

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ccc October 29, 2014 at 10:15 am

Ok, Tet. Thank you. 🙂

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Gheng Tan October 29, 2014 at 1:01 pm

Hi po! I’m on my maternity leave po,so for how many months po di ako sumahod,di po nahulugan pagibig ko. Ask ko lang,pwede po ba ako magloan sa pagibig?

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Tet October 29, 2014 at 4:48 pm

Hi Gheng,
You may contact Pag-ibig Hotline to know if you are still qualified. Here’s the Hotline Number: 724-4244. Natry ko ng tumawag dito.. sumasagot nman cla pero medyo matagal lang. prepare you’re pag-ibig ID number.. tatanungin kc nila to check your records.
Pero initially, eto ung qualifications:
1. The member has made at least 24 monthly contributions.
2. Has five (5) MCs for the last six (6) months as of month prior to date of loan application.

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Gheng Tan October 30, 2014 at 5:32 am

Thank you so much po Ms. TET! 🙂 That would be a big help!

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Jen October 30, 2014 at 12:04 pm

Good day po!

my bf is an ofw in taiwan, i registered him as an ofw thru hdmf online, is it ok if i pay for his contribution here in the Philippines instead of him in Taiwan? and mgkaka-problem po ba if i pay for his contribution in sss as voluntary member instead of ofw member? i want to lessen kc ung hassle nya if sya p mismo mgbayad ng mga contribution nya, dito din nmn po s pinas bagsak ng mga payment..

thanks in advance! 🙂

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Elvin November 3, 2014 at 8:11 am

Hi Jen,

I think wala dapat kaso. I would also request someone in the Philippines to pay my contributions if I were an OFW.

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MrBanker November 2, 2014 at 11:52 pm

Good day po. (About HDMF)

I just want to ask if pwede po ba mag add ng contribution via OTC/online payments aside sa nireremit ninyo ni enployer? (I ask my new employer na kung pwde dagdagan ko yung share ko sa pag-ibig, employer says ‘hindi, kasi P100 lang ang allowed namin’ via salary deduction)

Gusto ko po sana dagdagan ang monthly contribution ko share kahit OTC nlng. Ang tanong ko po is kung pwde po ba yun? Ano means po pwde magbayad? Thanks in Advance.

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Elvin November 3, 2014 at 8:17 am

Hi MrBanker,

Employers usually match the employee’s contribution. For example, if the employee is contributing P100, then the employer should also contribute P100. However, may limit ang employer contribution. Yun yung sinasabi ng HR nyo na P100 lang ang allowed. Yun kasi yung maximum as per law. Pero you can increase your monthly contribution. Just talk to your HR, sila na ang magpprocess nun.

No need to do OTC payments.

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MrBanker November 3, 2014 at 8:22 pm

Ayaw nga po pumayag ni Employer. Yun po gusto ko itanong, pwde po ba OTC ang additional payment? Thanks.

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Max November 3, 2014 at 1:48 am

Hello po,

Naacess ko po ang contributions ko online at nakita ko na may month na zero pero nakaltasan ako nun at kita sya sa payslip (employed ako during that time). Sa dating employer pa po un. Ask ko lang po pano icocorrect un na lalabas na may contribution ako for that month. Kelangan ko pa ba pumunta dun sa dati kong employer? or direct akong pupunta sa sss branch para maayos po ito? Updated po pa ang sss website? Paano po makita ang contributions ko for PagIbig at PhilHealth?

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Elvin November 3, 2014 at 8:24 am

Hi Max,

In most cases, hindi lang updated ang SSS contributions online. Yes, nakakaltasan ka sa payslip mo but hindi ito agad agad nakikita sa SSS website. Usually, mga 3 to 6 months ang delay sa pagpopost ng contribution online.

May mga instance din na hindi talaga nagreremit ang employer sa SSS kahit nagkakaltas sila. Minsan kasi wala naman naghahabol na employee. Yun nga lang it is against the law. So, kailangan talagang ireport ang mga employers na ito kasi kawawa ang mga employees.

Your case might be in either of the two.

I suggest, that you visit SSS to validate the payments of your previous employer. Make sure to bring proofs na kinakaltasan ka. Then, worst case, ask for advice from SSS if you fall on the second scenario.

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Delta November 4, 2014 at 10:08 am

Hello Sir,

I just recently knew that maximum contribution of the employer for pag-ibig is only P100.00. When I took over the payroll years ago, contribution has been based on the 2% monthly contribution which made the employer pay more than P100.00. Do you think I would be penalized for this?

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Tet November 4, 2014 at 11:08 am

Hi Delta,
I got this from RA9679, Rule VI Section 1 page 12.
“The maximum Monthly Compensation to be used in computing the employee
and employer contributions shall not be more than 5,000.00.
A member may contribute more than what is required, however the employer
shall only be mandated to contribute two percent (2%) of the monthly
compensation of the member as counterpart contribution.
In case the member increases his/her monthly membership contribution, the employer
shall have the option to match said increase or to contribute only what is
required.”
So I don’t think na mapepenalize ka because of overpayment.

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Elvin November 4, 2014 at 9:49 pm

Once again, thank you Tet for sharing your thoughts on the reader’s question. 🙂

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Scel November 4, 2014 at 3:56 pm

Hi. I recently got confused about my contributiins for Oct. 2014 and Sept. 2014.. My basic pay is 12K, and my employer deducted me 381.50 for SSS then 125 for PhilHealth, this is for the month of Sept.. Upon seeing my payslip for Oct, the amount deducted changed, for SSS it became 508.70 and for PhilHealth it became 175. Please help me. I’m confused. Thank you.

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Elvin November 6, 2014 at 10:23 pm

Hi Scel,

I agree with what Tet said on her comments below. Check mo sa employer mo kung nagkamali sila ng deduction, unless may increase talaga sa sweldo mo from Sept to Oct. 🙂

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Scel November 9, 2014 at 10:51 am

Thank you po 😉

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jet November 5, 2014 at 1:20 am

Hi hindi ko alam kung active po ba eto. Pls send me email po. Kasi may prob po ako sa sss. Ko kasi po employed po ako 2009 hindi po nabayaran yung sss ko nag ka penalty po ako. Hindi ko po mabayaran kasi ang laki ng penalty halos double anu po ba mas the best na gawin. Salamat po

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Tet November 6, 2014 at 9:01 am

Hi jet.. bakit daw hindi nabayaran ng employer mo? nabawasan ka ba during that period? kc if hindi ka nman voluntary member, hindi mo kargo ung penalty na un.. kargo un dapat ng employer mo..

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Elvin November 6, 2014 at 10:21 pm

Hi Jet,

I agree with Tet’s comment. If you’re employed that time, it is the responsibility of your employer that time to pay the penalty.

However, if you are not employed that time, better visit an SSS office near you and ask if available pa ang SSS Loan Condonation Penalty Program (I am not sure lang kung active pa eto kasi I’m getting mixed information from my research).

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Tet November 5, 2014 at 9:01 am

Hi Scel,
Wala ka bang Salary Changes in between that period? ung contribution mo kc nung Oct, parang ang lumalabas nasa 14k ung basic pay mo? pero nung Sept around 10k lang ung basic mo? check mo ung table ng SSS at PHIC.. clarify nyo sa HR or sa payroll officer baka na-overlook lang din nila. I do payroll acctg din. and minsan hindi tlaga maiwasan magkamali. pwede nman nilang iadjust un or icorrect next cut-off, eh.

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Scel November 9, 2014 at 10:49 am

Thank u so much po.

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joan November 7, 2014 at 5:56 pm

Goodevening,.I am not in the Philipppines at the moment and I lost my SSS UMID ID.I like to know what do i need to do to get a replacement ID and can i still apply for one while I am out of the Philippines?

Thanks
Joan

Reply

Elvin November 9, 2014 at 11:42 am

Hi Joan,

I think this is possible. Look for an SSS office near your area. Try to seek help from them.

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joan November 11, 2014 at 6:36 pm

Hello Elvin,

Magkanu ang pwde loan ng volunteer sa SSS?
Salamat sa reply u sa una kung message.

Thanks
Joan

Reply

ais November 7, 2014 at 7:07 pm

Hi,
This site of yours is very helpful. Please give some time to answer my questions 🙂

1. if hindi nahulugan ni employer ang contributions ni employees but then after a year inayos nya ito, tatanggapin ba ni SSS ang back payments ni employees with penalty or just the membership penalty ng company?

2. if tapos na ang loan payment ni employee but then si HR naghuhulog pa rin sa SSS/Pagibig/Philhealth without deducting sa salary ni employee, dpat ba i-reimburse ni employee ang nagastos ni company?

3. if naka leave without pay si employee for one and a half month, obliged ba si company na bayaran ang SSS, Philhealth, Pag-ibig nya even if wala naman salary si employee for that month?

hope you can help me with this questions..thank you so much! 🙂

Reply

Elvin November 9, 2014 at 12:11 pm

Hi Ais,

Thank you for visiting and appreciating our website. 🙂

Let me try to answer your questions one by one.

1. Yes. As far as I know dapat tanggapin ni SSS ang back payments from employer ni employee. Employer should pay the corresponding penalties.

2. If I’m the company why would I pay SSS/Pag-IBIG/PhilHealth using my own money? It might be due to human error. So, if I am the employee I should return it.

3. To be honest, I am not sure. Better ask these government agencies directly for clarity.

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Tet November 10, 2014 at 8:50 am

Hi Ais,

For Question number 3, No.. Hindi oblige c company na bayaran ung contribution mo for that period. sa SSS monthly contribution report, irereport ka nila as “NO EARNINGS” dun sa month na yun.. pwede un..

Reply

Elvin November 10, 2014 at 8:57 am

Thanks Tet! 🙂

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ais January 20, 2015 at 2:33 pm

thank you so much!

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jet November 8, 2014 at 1:54 am

Nag aacept ba ng back payment si pag ibig like sss. And same dun ba na my penalty mga magkanu po kaya penalty .. thank you hope masagot po salamat

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Elvin November 9, 2014 at 11:37 am

Hi Jet,

If fault ni employer kung bakit nadelay ang payment, iaaccept ni SSS ang backpayments with corresponding penalty. Kung self contributing member ang status, sa pagkakaalam ko, hindi nag-accept.

I have no idea on how much the penalty is. Better ask SSS directly.

Reply

jet November 8, 2014 at 2:07 am

Hi elvin and tet thank you sa responce. Actually yung friend ko owner kasi siya ng company partnership siya foriegn partner sa pagkaintindi ko ah hindi ko din kasi mapaliwanag sa kanya kasi kulang din ako sa kaalaman kaya hindi ko siya ma advise kung anu gagawin sabi ko kasi as per pilipino partner dapat ikaw nababayaran ang sss. Philhealth at pag ibig mo. Sa foriegn wala sila prob. Yung mga employee nya naman ayaw mag pa register sa sss.philhealth at pag ibig kasi malaki daw makakaltas sa kanila kasi ang salary nila is base frim u.s so kung kalkulahin malaki talaga nababawas specialy taxes kung declair nila real salary. So yung fren ko since owner siya nung nag paregister siya ng conpany nagulat siya dahil from 2009 nag start sss nya instead na kung kelan nya lang ni registered. AYAW ngayon bayaran ng partner nya penalty umabot ng 60k . Panu po ba pwede gawin dun

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Elvin November 9, 2014 at 11:53 am

Hi Jet,

Medyo complicated ata ang situation mo. I think it would be best to ask help from these government agencies on what to do.

Just a warning though, not declaring the real salary would mean tax evasion. I’ve learned in our RFP class, BIR would be stricter in the future. Also, 60k would increase if hindi naayos agad. Baka pwedeng i-negotiate with SSS, PhilHealth and Pag-IBIG for a manageable penalty.

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Tet November 10, 2014 at 9:06 am

Hi Jet, Hindi kc date of registration ung tinitingnan ng SSS/PHIC/HDMF.. date of emplyment.. dun kc sa rule dapa 30 days after makakuha ng business permits, or before ng start ng operation, dapat magregister na. ahm, ilang employees ba ung dineclare nyo ng 2009? ung penalty kc 3% from the date of deadline per month. kung 2009 pa un, malaki na nga.

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Tet November 10, 2014 at 1:00 pm

Hi Jet,
I have found an article related to your case.
Maybe you could visit your SSS branch and ask if this still possible. 60k penalty is too large. Hope this could help.(;
source: http://www.lawphil.net/statutes/repacts/ra2010/ra_9903_2010.html

Reply

ais November 12, 2014 at 4:30 pm

Hi, Elvin,
thank you for the response! 🙂

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Che November 13, 2014 at 2:59 pm

Hello po, ask ko lang kung imaximize ko po yung hulog ko as OFW which is P1760, for the next 20 years. How much monthly po yung matatangap ko pag nagretire na ako?

Thanks po!

Reply

Elvin November 13, 2014 at 8:51 pm

Hi Che,

Here’s the computation of benefit from SSS website:

The monthly pension depends on the members paid contributions, including the credited years of service (CYS) and the number of dependent minor children but not to exceed five. The amount of monthly pension will be the highest of:

the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or

40 per cent of the average monthly salary credit; or

P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,400, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

A retiree has the option to receive the first 18 monthly pension in lump sum discounted at a preferential rate of interest to be determined by the SSS. The option should be exercised upon filing of the first retirement claim. Only advance payments shall be discounted on the date of the payment. The dependents’ pension and 13th month pensions are excluded from the 18 months lump sum pension.

The member will receive the monthly pension on the 19th month and every month thereafter.

In your case, ang katumbas na monthly salary credit mo ay P16,000.

Assuming that you’ll retire after 20 years of contribution, the first, second and third option would result to a monthly pension of P6,700, P6,400 and P2,400 respectively. Taking the highest of these three, P6,700 ang pension mo per month + dependent’s allowance which is P670 per dependent (max of 5).

You may refer to this link for more details: https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=retirementpension

If I were you, I would look for other investment alternatives. This is my opinion ha, hindi kasi sulit ang SSS kapag voluntary or OFW especially for retirement. Sinasalo kasi ng individual ang buong contributions unlike kung employed, almost 2/3 ng contribution salo ng employer.

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che November 18, 2014 at 1:46 am

thank you po sa reply. yun lang po talaga kailangan ko malaman, yung totoong figure. thank you po sa advise, and yes, definitely considering other forms of investments. i’m trying to learn pa po and i am very thankful for pinoy financial bloggers like you.

keep up the great work and god bless po!

Reply

ais November 15, 2014 at 12:43 pm

Hi Elvin,
ask ko lang if ang service provider ay entitled sa benefits like sss, allowance lang kasi ang meron sya, wala pa talgang allowance..hndi kasi siya employee, service provider lang ng company..tnk you.

Reply

Elvin November 18, 2014 at 9:04 am

Hi Ais,

What do you mean by service provider? Ito ba ay parang third party support or contractual? I think sa case ng contractual, yung contractual company yung dapat magbigay ng benefits like SSS.

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ais December 1, 2014 at 10:41 am

Hi Elvin,
Service Providers po as in like Consultants, hindi po sila talga employees sa company

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Elvin December 2, 2014 at 11:13 pm

I think if that’s the case, hindi talaga sila entitled for these benefits. Most of the consultants I know are filing their contributions as voluntary members.

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Bhing November 15, 2014 at 4:12 pm

Hi there! Thank you for this useful and very informative video. I would like to know if I can get and pay Philhealth insurance through online for my family?

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Charlie November 18, 2014 at 9:35 am

Hello po, ask ko lang regarding my mother who is a pensioner by survivorship. She doesn’t have sss number. Now, she is planning to register a business. Does she need to become an sss member and make contributions for herself? Hindi po ba maapektuhan yun pension? She has some plans of hiring people for the business so I think she has to make contributions for the employees also. Hope you could give light into this po. Thank you!

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Tet November 18, 2014 at 4:06 pm

Hi Charlie,
Ung business kc ung kukuhanan mo ng SSS ID number. Kc di ba? ahm if nagparegister ka ng business magkakaron un ng separate legal personality? Ung Authorized Representative na irereport mo, un ang alam Q dapat mi SSS Number.

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Charlie November 18, 2014 at 4:32 pm

kahit po ba sole proprietorship ang business may separate legal personality din ba? sa pagkaka alam ko corporation lang ang may separate legal personality. kailangan ba talagang magpa sss member ang mother ko and make contributions for herself also… pasensya po, confused lang.

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Tet November 18, 2014 at 5:03 pm

Hi Charlie,
Ah see.. sole proprietor.. hmm, magkakaron pa rin ng separate SSS number ung business nya. ahm, with regards sa mother mo, Compulsory kc magregister ang self-employed person, eh. not unless more than 60 y.o. na xa or below 1thou ung kinikita nya per month. check mo ung website. dun kc xa papasok. hindi Q lang alam if mi conflict un sa pension ng mother mo. wala pa Qng nababasang ganung rule so far.

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Myra November 19, 2014 at 8:57 pm

Hi po magandang araw. Tanong ko lang po kung nakakuha na po ba ng disability benefits from Pag-ibig wala ng funeral benefits? Kac po nung kinuha po namin ng asawa ko yung disability benefits nya ang sabi samen ay burial nalang yung natira at nung namatay na sya at bumalik ako para iclaim yung sa burial ay wala na daw po, kaya medyo naguguluhan po ako. Salamat po sa magrereply.

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Elvin November 22, 2014 at 11:31 pm

Hi Myra,

According sa isang circular ng Pag-IBIG, “A member should terminate his membership with the fund in case of Permanent Total Disability”. Baka dun po nanggaling ang sagot ng Pag-IBIG sa inyo.

You may refer po on this link for more details: http://pagibigfund.gov.ph/home_pdf/circular342-ProvidentBenefitsClaim.pdf

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Ju November 20, 2014 at 3:31 pm

Good day!

I am employed in a private firm since 2011 and have a total of 40 posted SSS and Philhealth contributions (Premium- I pay for the maximum contributions. SSS- 581.30, Philhealth- 437.50). I am planning to resign this December 2014. I’ll just inquire if is it required to still continue the contribution until I deliver the baby (June2015) for me to avail of the maximum benefit? Based on my research, I can still avail of SSS since I my due date would fall within the semester of the last 12 month contribution window, is this correct? but how about Philhealth? I have read that I should have at least 3 or 6 months contributions prior to date of confinement.

Thank you.

Reply

Elvin November 22, 2014 at 11:42 pm

Hi Ju,

You are right on both PhilHealth and SSS. You can still avail your maternity benefit. Although you must notify SSS since you will be resigning this December. As for PhilHealth, during confinement, hospitals are asking for the latest MDR that shows at least 6 months contribution.

Just to be sure, please visit the SSS and PhilHealth office as soon as possible to ask them directly about your concern. Mas maganda na ayusin mo na sya agad bago ka manganak.

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Daisy November 20, 2014 at 5:39 pm

Hi,
Ask ko lng, can i apply a multi purpose loan here in Singapore? Just got hired by a company here and planning to apply a loan for my family’s personal expenses in the Phils. I have a loan with my previous company in the Phils but this was already deducted from my salary. I resigned last July 2014. Can I apply thru online and request them to credit the proceeds from my salary? May I know the requirements for new OFW and the procedures. Hope you could help me. Thanks!

Reply

Elvin November 22, 2014 at 11:52 pm

Hi Daisy,

The FAQ section of Pag-IBIG about Multi-Purpose Loan didn’t mention anything that an OFW can do this. Although an over the counter or auto-debit arrangements with banks or other modes Pag-IBIG may adopt. I think it would be best to visit or call Pag-IBIG and ask them directly.

You may refer on this link about MPL: http://pagibigfund.gov.ph/home_pdf/MPL%20FAQs%20September%202014.pdf

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jasmine borja November 23, 2014 at 5:27 pm

ask ko lang po if puede akong magback track ng payment sa 2 months na di nabayaran ng employer ko? Nabedrest ako from August-September 2014. Tumatanggap ba ang SSS, PAGIBIG, and PHILHEALTH ng back payment? San po ba ang accessible office ng SSS, PAGIBIG, and PHILHEALTH dito sa Manila? I live near Blumentritt, Mla. Pasensya na delicate kasi ang pregnancy ko so I’m eager to know all these infos para hindi ako magparit-parito. Thanks.

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Elvin November 28, 2014 at 9:08 am

Hi Jasmine,

As far as I know hindi nag-aaccept ng back payments ang SSS, PhilHealth at Pag-IBIG eh. Tapos, ang case mo pa ay employed. I am not sure kung saan kang category papasok.

You may try emailing or calling their hotline numbers para hindi ka na magtravel ng malayo.

Here’s their contact info:

Pag-IBIG: / 724-4244 (PAG-IBIG)
SSS: / 920-6446 to 55
PhilHealth: / 441-7442

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renzie November 27, 2014 at 6:09 pm

Hi, I’m working as an office staff for a company under a cooperative. 1 year na akong ngwowork but i dont have an account for PAG-IBIG and Philhealth, but the cooperative is continuously deducting monthly contribution from my salary. Makukuha ko ba yung mga deductions na kinuha nila from me pag nag- resign ako? i hope you can help. thank you!

Reply

Elvin November 28, 2014 at 8:57 am

Hi Renzie,

I think you should clarify that one with your cooperative. Ask them kung para saan yung ibinabawas sa sweldo mo and ask kung anong Pag-IBIG at PhilHealth number baka kasi sila na ang nag-asikaso ng Pag-IBIG at PhilHealth mo.

If you resign and hindi nila nireremit ang ibinabawas sa sweldo mo, I think you have the right na magreklamo para makuha mo yung deductions.

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renzie November 28, 2014 at 12:50 pm

thank you for the response.
so that means kahit na sure na wala niremit for Pag-IBIG and Philhealth ang cooperative ko, im not guaranteed na makukuha ko ang mga binawas nila from my salary?

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Elvin November 28, 2014 at 1:34 pm

Hi Renzie,

To be honest I’m not sure but you have to talk to them para malinaw. May mga employer kasi talaga na gumagawa nan which is dapat ireklamo.

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Elims November 30, 2014 at 3:25 pm

Hi,
I have an inquiry. I have paid my quarterly Philhealth contribution for Sept-Dec 2014. However, naka pag trabaho po ako nung November 13. I have already informed our HR, that I have paid my last quarter contribution and gave him my Philhealth receipt. Kaya lang, nung first pay out, kinaltasan ako sa sweldo ko for Philhealth. Ok lang ba na nagka double contribution ako, one for individually pay and second for privately employed? or does my company needs to return the money deducted from my salary?

Reply

Elvin December 2, 2014 at 11:17 pm

Hi Elims,

Ang alam ko hindi tinatanggap ang double contribution eh. You may ask your HR for refund. Lumalabas kasi special case ka dahil most of the employees ay hindi naman nagbabayad separately ng contributions nila, dahil pwedeng nakadefault sa payroll system nyo ang deductions, nabawasan ka ng sweldo dahil sa contributions mo.

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John Smith December 3, 2014 at 10:09 am

I like SSS and Pagibig except the Philhealth, Philhealth make the process more complicated to avail the benefits. For example, if you have an emergency case, Philhealth will require you to stay at least 24 hrs and they need at least past 6 months of your contributions from your employer. The key here is the hassle of going to employer spend time and money. They did not understand that this is an emergency cases, what happened if you dont have a family near with you, you need to do it by your self. I hope Philhealth will create an online facilities for this issue. I dont think it will cause too much because even interns can create a online system for them.

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babette alegre December 19, 2014 at 7:54 am

Good morning. I’m self-employed,been contributing to Phillhealth and SSS for 22 years now and turning 60 next year. I plan to stop paying the contribution (though will continue to work until 65) for both. Can i apply for lifetime membership for philhealth? Can i still receive benefits from them?….paying the highest bracket sa SSS and yet will be getting around 8k+ for my pension so i plan to stop payment at 60 and get a term insurance na lang na halos pareho man ang premium…hope to hear from you.Thank you and God bless.

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Elvin December 19, 2014 at 8:23 am

Hi, Babette!

I think you are qualified for a lifetime membership as stated on PhilHealth’s website since you’ll be turning 60 next year. Better confirm this with a PhilHealth officer. It would also be better to ask them for the process.

As for your plan on getting a term insurance, if you’re applying for the first time, I don’t think you’ll be qualified. As far as I know they have age limit kasi but if you can find one, please share it. Thank you.

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babette alegre December 20, 2014 at 12:15 pm

Tthank you for your quick reply. Merry Christmas

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annabelle ytang December 22, 2014 at 6:58 am

Hi Sir,

I asked this to you before about disability pension. My mother become disabled this year and finally she receive desability pension. The amount she receive every month is 1, 700 pisos. When my sister inlaw went to the pension office they told her that my mother is only intitle to claim for two years because she only lost one leg. It seems to be irresponsable comments and no sympathy. How would my mother cope with out bennefit. Let alone the medicine which is very expensive to buy especially for the poor people in our country. Maybe they think my mother’s leg will miraculously grow back. Is this true that they will stop this payment after two years? She is only 58 and her pension was paid through self contribution for five and a half years. Will she have a problem when she reaches 60 because she hasn’t pay the minimum years to her pension?
I am worried about what will happen to her in the future.
I hope you can give me advice about this.
Thank you
Annabelle

Reply

Elvin December 22, 2014 at 4:50 pm

Hi, Annabelle!

I’m saddened by your story but the pension officer’s statement is align with the pension details posted in the SSS website. According to the SSS website, loss of one leg is considered as partial disability and partial disability is paid up to certain months only.

You may try seeking assistance from your municipality or PCSO near your area. They might help your mother.

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annabelle ytang December 23, 2014 at 7:28 am

Hi Sir,
Thank you for your reply to my email. I don’t know if the municipality and PCSO will help my mother because right now nobody in the government ask how she is. It is very difficult to find a person this days who has heart and kindness. One time when my mother was in the hospital and my family tried to ask the person in the municipality for help and she said ” did she vote for us”? where is the kindness of our nation. Where is the compassion and love for mankind. Not only for my mother but also for fellows Filipinos who suffers because they’re to poor to do anything about their afflictions. What becomes of those people who have no pension how will they survive even if they are ” only partial disabled”? Do they think that people who lost a limb will miraculously grow another leg with in two years and therefore no longer need financial assistant. My father was told that if the have a hollow black house and electricity a surveyor will check the premises and the will make the decision that having this thing constitute a certain amount of wealth. This is totally bizarre since my parents have had to work and make sacrifice to get this. They are far from rich and barely able to buy enough food to keep alive. Furthermore , my father found a supplier of crutches which offered discount for pensioner but when he bought some he was told that he was not eligible for the discount the crutches were not for him. What kind of Christian compassion is this? I am telling you this because I hope you can help to highlight the despair and hopelessness that the poor people in our country experience.

Thank you for your time.

Annabelle

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Prince December 23, 2014 at 12:48 pm

Tanong ko lng po kung magkano kelangan ipadagdag sa monthly contributions para makakuha ng loan sa pagibig. Ung aabot sana ng 1.5M. Mahigit 24 months na din ako naka contribute ng Php100/month from previous to present employers and may kelangan bang minimum na sweldo per month para maka avail ng loan na ganun kalaki?

Reply

Elvin December 28, 2014 at 11:27 pm

Hi, Prince!

Ang maximum loan na pwedeng i-avail ng Pag-IBIG member ay nakadepende sa:

1. Member’s actual need. In your case this is P1.5M. Ang P1.5M ay nangagailangan ng P750 monthly contributions sa Pag-IBIG.

2. Based on capacity to pay. Usually, tinitingnan nila dito ang gross monthly income mo. Ang monthly amortization mo dapat ay hindi lalagpas sa 30% ng monthly income mo. Using the amortization calculator ng Pag-IBIG for P1.5M (repricing period 5 years – 7.825% and 30 years term), kailangan na meron kang gross monthly income na P36,080.10 to qualify.

3. Loan to appraisal value ratio. For P1.5M, ang loan to appraisal value ratio ay 80%. Ang ibig sabihin nito ay kung ang presyo ng property mo ay 1.5M, ang maximum na pwede mong iloan ay 80% ng P1.5M which is P1.2M. Para maapprove sa loan na P1.5M, kailangan ma-prove mo na ang presyo ng property ay at least P1.875M.

Ang pinakamababa sa tatlong ito ay ang maximum loan na pwedeng ibigay sa iyo.

Para sa karagdagang impormasyon, mas makakabuti na bumisita sa pinakamalapit na Pag-IBIG office sa inyong lugar.

Elvin

PS. Pwede nyo pong basahin ang Pag-IBIG Circular 310 for more details.

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Prince December 30, 2014 at 9:34 am

Thanks for the answer. Kaya kong magcontribute ng P750 but then di naman ako sumusuweldo ng ganun kalaki, hngang 20k lng. maaprove pa rin kaya ako ng loan? and if yes magkano po kaya?

Reply

Elvin December 30, 2014 at 11:28 am

Hi, Prince!

Better consult with Pag-IBIG directly and ask how you can loan that amount. Based sa mga sinabi mo, magkakaissue lang naman tayo sa #2 (capacity to pay). This can be resolved by having a co-maker. Yung gross kasi ay based sa family income eh, if hindi ako nagkakamali.

Hope this helps.

Elvin

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Prince December 31, 2014 at 8:30 am

Thank you so much po… 🙂 Happy New year

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annabelle ytang January 1, 2015 at 7:32 am

Hi sir,

Happy new year to you.
My father will be 61 on his next birthday . Will he be classed as a senior citizen? if so will he be entitled to any benefit and where would he have to go to claim then?
Thank you,
Annabelle

Reply

Elvin January 3, 2015 at 12:07 am

Happy New Year, Annabelle!

As far as I know every person who reached 60 years old is classified as senior citizen, so they should be entitled to any benefit based on the governing rules and regulations of the Senior Citizens Act. You may accompany your father to your Municipal’s Office of the Senior Citizens Affair (OSCA) and apply for Senior Citizen ID. Just provide them the necessary documents. Based on my research they will be needing 1×1 picture, birth certificate and a valid ID.

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YuanM. January 3, 2015 at 10:09 am

Hi, i am an employer of a casual restaurant, new in the business. I would like to ask the following:

1. for a probation employee, that will earn 285/day, are they required to deduct the benifits (SSS

2. or upon regularization ng employee pa sila mgccontribute.

3. Also is it allowable as employer to give the probation employee 285php and after this period(3-4 months probation) they will get the minimum wage of 335php? (php 335 is the new minimum wage in my area, batangas as per dole wage chart)

4. for a provincial rate, are they allowable for taxes when they regularized?

Thank you. Looking forward on this.

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Elvin January 7, 2015 at 10:21 pm

Hi, YuanM!

For questions 1 and 2. Based on SSS website, “a private sector employee, whether permanent, temporary or provisional, who is not over 60 years old. A household-helper earning at least P1,000 a month is compulsorily covered starting Sept. 1, 1993.” In this case, it is the employer’s duty to pay and deduct for the employee’s contribution even on probationary position.

For questions 3 and 4, I am not knowledgeable on this. Better seek help from DOLE office near your area for clarifications.

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Faye January 4, 2015 at 3:55 am

Hello po, ask ko lng is it true that if di mo nagamit ang contributions mo sa Pag – ibig for loans or the like eh you have the option to get it back once you retire or reach a certain age?

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Elvin January 7, 2015 at 10:24 pm

Hi, Faye!

Yes. May tinatawag din na Provident Savings Program ang Pag-IBIG aside from the popular Housing Loan. You may refer to this link from Pag-IBIG for more details. http://pagibigfund.gov.ph/benproprovident.aspx

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jenny January 4, 2015 at 5:47 pm

Ask koh lang poh may problema kasi friend koh sa pagibig hindi kasi nabayaran yung bahay nila halos 2years and 11months hindi nila nabayaran bago bigla namatay nanay niya makukuha po bah yun bahay nah yun friend koh kasi beneficiary.. Nagsimula sila pagbabayad sa pagibig housing 2005 bago nagstop sila ng june 2011

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jenny January 4, 2015 at 6:01 pm

Binabayaran nila sa isang buwan sa bahay nila 7500 halos malaki nah rin nabayaran nila dun. anu poh yun mareremata nah po bah yun? O may habol poh sila dun halos.. 500,000 nah nababayaran nila dun bago prise lang nung bahay ay 675,000..

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joel January 7, 2015 at 1:00 am

Seaman p ako, na disgrasya sa barko at na hatulan ng nlrc ng total disability. Pwede po b ako gamitin ang desisyon ng nlrc s sss? Salamat po.

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Elvin January 7, 2015 at 10:25 pm

Hi, Joel!

As far as I know pwede mong gamitin yung desisyon ng nlrc sa SSS. You may visit SSS office near you for clarifications.

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joel January 24, 2015 at 1:03 am

Unang claim ko po ng disability binigyan nila ako ng partial permanent disability, 8 months lng po. Noong lumabas na ang desisyon ng NLRC, muli ako nag file ng total permanent disability gamit ang desisyon ng NLRC, ngunit partial pa rin ang binigay nnila na hanggang ngayon, magaapat na buwan na po ay hindi pa rin nausad. Madalas ako mag follow-up sa knla sabi nla ng una nasa main at may i-d-delete, ngayon ssabi nila pag pinapasok nila sa computer ang file ko ayaw tanggapin “claims not yet encoded in claim clearance”. Ang last post nila ay oct 29 2014 evaluating s EC at nov. 4, 2014 scanning sa SSS hanggang ngayon po ay ganun pa rin. Oct 2, 2014 ko pa po ito na-i-file, nag email n rin po ako sa human relations. Pero walapa rin sila sagot. Ano po ba ang dapat ko gawin o sino po ba ang dapat hingian ng tulong? Maraming salamat po.

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Elvin January 26, 2015 at 5:02 pm

Hi, Joel!

To be honest hindi ko po alam ang sagot. Maari po kayong magtanong sa SSS (baka po may kulang kayong documents na hindi pa naipapasa kaya hindi umuusad ang case) or sa DOLE (para matulungan kayo kung talagang lapses ng SSS ang pagkadelay ng inyong papeles).

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joel January 26, 2015 at 6:00 pm

Salamat po….

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girlie R. January 7, 2015 at 6:19 pm

Hi!

First of all, could I just say that this post of yours is an absolute goldmine of information! The comments section is especially informative.

I recently went from an employed contributor to a voluntary contributor with SSS and I was advised by a friend (who was advised by another friend, you know how these things go) that our monthly contributions can’t go lower than our previous ones. Is this true? My case being that when I was with my previous company, my contributions were set to the maximum amount. Does this mean that I have to match the maximum amount even though my monthly income these days doesn’t reach the maximum salary range? I sort of work freelance so the income is somewhat sporadic, I was wondering if the contribution amount can vary as well.

Thanks in advance 😀

Reply

Elvin January 7, 2015 at 10:39 pm

Hi, Girlie!

Thank you for appreciating Journey To Millions. 🙂

As far as I know, SSS can be downgraded since it is based on the monthly salary of the employee (or the member). You can refer to the SSS contribution table (https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=scheduleofcontribution). You may verify this with SSS. You can ask them when you pay your contribution.

Based on my research, what you cannot downgrade is Pag-IBIG contribution. 🙂

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jocelyn clarete January 13, 2015 at 1:49 pm

Hi.gusto ko lang pong malaman kung pwede ko pong hulugan ang monthly contribution ng leave-in partner ko n OFW..kasi po 2years n pong di nahuhulugan? Tnx.need an answer po…Godbless

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Elvin January 15, 2015 at 9:26 am

Hi, Jocelyn!

I think wala naman kaso yun. Be sure to ask these government agencies for your partner’s status on their database. Kailangan kasi munang iupdate yun bago sya mahulugan ulit para maging active contributor sya. Currently kasi, inactive yun dahil 2 years na walang hulog.

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vazariah January 15, 2015 at 4:57 pm

hello po… ask ko lang po kasi po yung mother ko ang benificiary ng father ko sa SSS lipa. nung inaayos po namin ang funeral benefit claim ng father ko (1998), sinabihan po ang mother ko ng taga SSS na kumuha sya ng sarili nyang SSS number. at pinakuha din po ng SSS id nyang sarili. nito lang pong minsang tumawag ako sa SSS branch sa bulacan kung saan ako nagwowork ngayon kasi fusto kong malaman how many percent ang naging increase sa pension nya, nang mabanggit ko na may sariling SSS number ang mother ko, naitanong ng sumagot kung bakit wala raw kahit na isang buwang hulog ang mother ko. pabalik kong tanong “kailangan bang hulugan? kasi wala namang sinabi samin yung sa SSS lipa nung time na nagkeclaim kami” kasi sabi nya, nanghihinayang daw sya dahil walang burial benefits kaming makeclaim wag naman sa paghingi, kung mawawala mother ko. nung time na nagkaroon ng SSS # mother ko, 1998 pa, ngayon 80 yrs of age na sya. pwede pa po ba syang maghulog under voluntary membership para maka avail ng death benefits? sabi sa SSS kailangan daw may income. e sabi ko may maliit na sari-sari store si mama sa batangas pero dahil nga sa matanda na sya, ate ko na ang namamahala. at saka paano po ba maime-merge ang SSS accounts ko? nawala at nalimutan ko po kasi ang dating SSS number ko kaya kumuha ako uli ng panibago sa pangalawang work ko.

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Elvin January 16, 2015 at 11:29 am

Hi, Vazariah!

Isa-isahin natin yung question mo ha.

1. Pwede pa bang maghulog ang mother mo under voluntary membership para maka-avail ng death benefits? I am not sure kung pwede pang maghulog ang senior citizen pero kailangan ng 36 monthly contributions para ma-entitled sa death benefit pension.

2. Merging of SSS account. Kailangan mong pumunta sa SSS office or humingi ka ng tulong sa employer mo. Matratrace nila kung ano ang SSS number mo by giving them information kung saan ka nagwork dati.

I suggest para mas mabigyan ka ng linaw, pumunta ka or tumawag sa SSS na malapit sa inyong lugar.

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jammie cortez January 23, 2015 at 4:02 pm

Hi po,
Member po ako ng sss dati pro matagal na po akong hindi naghuhulog simula ng hindi nko nkapag trabaho. 2 weeks pregnant pa lang po ako ngayon,pag po ba naghulog uli ako s sss as voluntary maavail ko pa din po ba yung maternity benefits pagkapanganak ko?

At may nakapag sabi din po sa akin na hindi ko daw po magagamit ang philhealth ko sa panganganak kung wala akong sss, totoo po ba yun? Or pwede ko pa din magamit ang philhealth ko kahit walang sss.may 3years na din po akong naghuhulog sa philhealth ngayon.

Salamat po

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Elvin January 26, 2015 at 9:26 am

Hi, Jammie!

Based on the SSS requirements para makapag-avail ng Maternity Claim. You should have:

1. Paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.

2. Given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.

In your case, since namention mo na 2 weeks ka pa lang na pregnant, I am projecting na manganganak ka ng Oct 2015, your semester of contingency is from May to September 2015. The 12 month period prior the semester of contingency is from May 2014 to April 2015. Pwede ka pa makapasok basta makapagcontribute ka starting ngayong January until at least April. Be sure to visit SSS office din para mas mabigyan ka ng linaw.

For more detail, you may refer to this link: https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=maternityqualifying

As for your other question, wala akong idea.

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Yuri January 24, 2015 at 12:29 am

Hi Good evening, I’ll be asking this to my previous employer, but I’d just like to confirm it from you in case you have an idea.

My new employer now seeks for my SSS, PhilHealth, and PAGIBIG numbers. I asked my previous employer about these, ang gave the first two. As for my PAGIBIG, they said “they used my SSS number.” Now I wonder, can my SSS be used for my PAGIBIG account? In what way? I checked my previous payslips and indeed, they were deducting something for my PAGIBIG.

Meanwhile, My new employer suggests that I register online for my PAGIBIG account. Should I apply for a new account, or there is a different methodology for those who had ‘previous contributions via their SSS numbers,’ suppose if it were true.

Thank you very much. This is a very informative blog post!

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Elvin January 26, 2015 at 9:06 am

Hi, Yuri!

Maybe they use your SSS just to get your Pag-IBIG number. The online registration for Pag-IBIG is mandatory even for old Pag-IBIG members. Last year, our employer requires everyone to register their Pag-IBIG accounts online.

This are just my speculation so better ask your new employer for clarifications.

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babette alegre January 28, 2015 at 5:54 pm

if i’ll be retiring on Sept at age 65,and my youngest son is only 20 years old at that time and to my knowledge will get or receive10% of my monthly pension, when is he(my son) going to receive the said pension?…the month after my retirement?

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Elvin January 29, 2015 at 8:04 am

Hi, Babette!

The FAQ section in the SSS website about the retirement pension didn’t mention the timing of monthly pension. You may clarify this with SSS representative.

However, it is clear that the dependent’s allowance will stop when he reaches 21 years old, gets married, or get employed.

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Pauline Yap January 29, 2015 at 4:21 pm

Hi Elvin,

Ask lang po sana ako if it’s really advisable na magloan ka na sa sss and pag-ibig nang mas maaga, say for example 2 and a half years ka pa lang nag.cocontribute?? if yes, what are the benefits po? or is it better na hindi na lang muna mag.loan? thank you po! 🙂

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Elvin January 30, 2015 at 6:15 pm

Hi, Pauline!

The more contributions you have the more eligible you are sa benefits especially for SSS. If hindi mo pa naman kailangan ng pera, I suggest don’t take the loan.

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glaiza January 29, 2015 at 11:26 pm

pano po pag nsira ung SSS E1 form? san po ulit ako makakakuha nun?

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Elvin January 30, 2015 at 6:51 pm

Hi, Glaiza!

Kuha ka lang ulit sa SSS. 🙂

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glaiza January 30, 2015 at 8:27 pm

Do I need to fill up form pra makakuha ng e1? di po kc ako mkapag-leave s trabaho? ska pano po magkakaroon ng id s sss?

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Elvin January 30, 2015 at 10:05 pm

Hi, Glaiza!

Ask your HR if they can help you get one. Most employers kasi fix them for their employees.

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Wilma February 2, 2015 at 9:35 am

hi, ask ko lang if I can register online at sss kasi wala na po ako work since 2008 and gusto ko po i continue contributions ko sa sss as voluntary para di na po ako magpunta ng sss office, ma a update na po kaya ang status ko if ever,13 years po ako nagwork, thanks po in advance:)

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Elvin February 2, 2015 at 12:15 pm

Hi, Wilma!

You need to visit SSS office. Wala pa kasi silang online facility to handle such request. May mga fifill-upan kang form when you go there to change your status from employed to voluntary. Also, you need to pay your contribution para maging active member ka ulit.

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jef February 2, 2015 at 11:40 pm

Gud eve po..tanong ko lang po kung sino ang pwedeng mag claim ng death benefits ng tatay ko. at 76 years old this dec 2014 namatay ang tatay ko na isang pensioner, byudo sya s nanay ko at may second marriage sya bago namatay. kami ang anak s unang asawa at lahat ay nasa tamang edad na at walang anak s second marriage. may karapatan po b kami s death claims ng tatay ko dahil hindi rin sya nagkaroon ng change of beneficiary para s second marriage nya…hoping for your immediate reply…thanks and more power!

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Elvin February 3, 2015 at 7:58 am

Hi, Jef!

You may ask your question directly from SSS because I am not sure about my this but based on the things I’ve learned, it depends on the status of marriage nung parents mo and nung other family ng father mo. I think kung sino yung legal nyang family has the right to claim for the death benefit.

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Lirpa February 9, 2015 at 6:25 pm

hello po. Ask ko lang po if pwede po bang maging member kahit unemployed. Fresh graduate po ako (well actually hindi na fresh kasi March 2014 pa yun) and I want to have a record and be a member immediately para hindi ko na po aayusin yun at poproblemahin if ever makahanap na ako ng trabaho. Thanks po.

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Elvin February 9, 2015 at 8:04 pm

Hi, Lirpa!

Yes. You can become a member kahit hindi ka pa employed.

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adora pajalla February 12, 2015 at 1:33 pm

Hello po, Ako po si Adora Pajalla, may gusto po ipatanong ang tita ko si Stefani P. Molines, 65 yrs. old. pinapatanong niya po about sa SSS kung paano po makakautang ang isang pensioner na miyembro ng SSS.
Sana po ay matugunan niyo po ang aking katanungan.
Maraming salamat po!

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Elvin February 15, 2015 at 6:11 pm

Hi, Adora!

Makikita po sa link ng SSS ang process ng loan kaso hindi na po qualified ang pensioner sa SSS loans. You may try asking other institutions such as banks para makapag-avail ng loan.

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Leon February 19, 2015 at 10:25 am

Good Day po! Magfafile po kami ng Disability sa SSS pero 34 payments lang po ang nagawa ng mother ko. Pwede po ba kayang dagdagan ang contributions namin para maging 36 payments para maging for pension yun? Thank you po!

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Elvin February 21, 2015 at 8:12 am

Hi, Leon!

Ang requirements ng disability pension sa SSS ay 36 months, so technically hindi ba kayo aabot but you may ask SSS directly if you can pay the two contributions to avail the pension.

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sarah jane February 21, 2015 at 7:23 am

gud day po, ask ko lang po kung paano makaka-avail ng maternity benefits sa sss. first time ko palang po maghuhulog. 5months pregnant po ako.

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Elvin February 21, 2015 at 10:20 am

Hi, Sarah Jane!

I’m so sorry but I think if ngayon ka palang maghuhulog ay hindi ka qualified sa SSS Maternity Benefits. Ang requirements kasi nila (in your case na five months pregnant ka na), dapat may at least 3 months contribution ka prior your semester of contingency.

Ang semester of contingency mo kung five months pregnant ka na ay January – May 2015. So, dapat nakapaghulog ka ng at least three contributions noong Janaury – December 2014.

You may verify this with SSS.

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rica g February 23, 2015 at 8:25 am

hi
for philhealth contributions:
tanong k lng for instance mos payment of members contribution STOP… lets say 6mos hindi nagbayad
n den yung dependent of member was hospitalized ***** makakaavail ba ng refund or reimbursemnt from philhealth or in the hospital inst. d member dependent confined…

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Elvin February 23, 2015 at 8:37 pm

Hi, Rica!

As per PhilHealth Benefits (http://www.philhealth.gov.ph/benefits), ang requirement ay “must have at least three (3) months premium coverage within the immediate six (6) months prior to the month of availment”.

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jigz September 22, 2015 at 3:07 am

Ser elvin panu po ba ung snsb n at least tree mos within the immediate six mons. Same kasi.kmi ng prob . 6mos ko ndn nd nhulugan phil health q. D po ba sila nattnggp ng backpayment pra mgmit. Last ko n hulog is march 2015 pa

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Wyeth February 24, 2015 at 4:28 pm

Hello,I need your advice. If your employer paid you in advance of the SSS Sickness reimbursement fee then after 5months SSS gave them the reimbursement fee then it turns out that your employer overpaid you because the reimbursement fee that SSS gave is less than what your employer released for you.Is it right to deduct the overpayment from my Salary?

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Elvin February 24, 2015 at 8:40 pm

Hi, Wyeth!

According to my HR friend, it is right to deduct the overpayment from your salary.

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christine February 26, 2015 at 4:00 pm

good day.

nagresign ako last aug. 2014 and hindi ko nabayaran from sep-dec. 2014 and jan. 2015..pero ngayon may business na ko.pwede ko pa ba bayaran ung mga hindi ko nabayaran..at pwede ba na ideclare ko na voluntary nlng ang status ko. thanks

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Elvin February 26, 2015 at 9:53 pm

Hi, Christine!

Yes you may declare your status as voluntary. You just need to fill up a form. As for your other question, ang alam ko kasi hindi nag-aaccept ng back payments ang SSS eh. You may verify it directly with them when you visit their office.

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mia February 26, 2015 at 9:00 pm

Hello!I would like to ask: kung ang member ng SSS ay 50 years old na nung ng start mg hulog, may makukuha po ba syang pension pag ng 60 years old na sya?

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Elvin February 26, 2015 at 10:08 pm

Hi, Mia!

According to the SSS website (retirement benefits section), “a member is qualified to receive a monthly pension if the retiree has paid at least 120 monthly contributions to the SSS prior to the semester of retirement.”

You may check the SSS website for more details. 🙂

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May Anne February 27, 2015 at 11:03 pm

Mam,

Question lng po…Gusto k po sna mag avail ng loan sa pag ibig kaso unemployed po ako ngayon pero my contribution po ako na 54months.Nakafirst loan n dn po ako at bayad na rin po.Pwede prin po b ako magloan for the second time kahit unemployed po ako ngaun?ano po mga requirements na need ko?

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Elvin March 1, 2015 at 12:51 am

Hi, May Anne!

You may check the requirements on this link: http://www.pagibigfund.gov.ph/benpro/Housing/hl_eligibility.htm

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bella March 6, 2015 at 1:51 pm

Hi.ask ko lng po.kc i just registered to philhealth this year and bnyaran ko n po yung first six months ng 2015.then i told my employer about it but still knakaltasan p dn nila ako and i asked if maccredit b un s philhealth ko khit bayad n ko until june and they said no s company n un.can u pls enlighten me about this.thank you.

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Marie March 8, 2015 at 12:51 am

Ask ko lang po kung ang 16 years old n papasok n part-Time crew need n din kumuha ng SSS, Phil, pag ibig?

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Elvin March 17, 2015 at 9:37 am

Hi, Marie!

I don’t have any idea. Better ask your employer about this.

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mera March 16, 2015 at 3:18 pm

Hi po. Gud pm. Ask lng po about pag ibig fund. Dati po kc akng ofw tas unang payment ko was nov. 2011 tas nagbyad po ako ng 1 year frm dec 2011 – oct. 2012(200 pesos x12mos.) sa cagayan de oro po. Kaya lng nang pag inquire ko d pala naipasok yung 1 year until now kc d po daw ako na issuehan ng valid receipt. Pano kaya yun?tas question po pano po ako mkakuha ng ID number?need po ba mag register online as new member?wala kc akng temporay numbr or membrshp id kya d ko po ma chk mga payments ko dati . Sana po masagot nyo mga tanong ko. Maraming salamat po. D na po pala ako ofw since 2012 voluntary payer na po yung 1 year sana.

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Elvin March 17, 2015 at 9:12 am

Hi, Mera!

It would be very difficult if wala po tayong records na nakeep about your payments before. Yun po kasi ang nagsisilbing proof that you paid your contributions. Pwede po kayong magregister online as new member. If dumating yung time na marecover nyo po yung contribution nyo dati, pwede naman pong mai-merge yung dalawa nyong accounts.

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annica by March 22, 2015 at 11:50 pm

Hello po, pwede po ako makapag inquire if kelan ang last contribution ng husband ko sa sss even without authozation letter?

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Elvin March 24, 2015 at 9:51 am

Hi, Annica!

You may try. Just present SSS your husband’s SSS number.

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ladyshulammite April 15, 2015 at 12:48 pm

Hello po!

Plan ko sana mag file ng multi-purpose loan sa Pag-ibig. Pero i am on the process of changing my status to married. Pag ba nagfile ako ng loan ung single name ko gagamitin ko or yung married name na?

Di pa ko nagpapasa ng requirements for change of status sa employer ko..

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Elvin April 15, 2015 at 10:13 pm

Hi, ladyshulammite!

I think it is safe to use the married name. Just be ready with your marriage certificate when applying for the loan.

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Zha May 8, 2015 at 1:40 pm

Hi ask ko lang po regarding sa Philhealth Contribution ng company namin last April 2015(Applicable Month: March)… I’m not sure if nawawala yung O.R or hindi ako nakapagbayad….if nawawala O.R ano po dapat gawin and if hindi ako nakapag bayad how much po ang penalty nun? Hope for your response asp…thanks. 🙂

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Elvin May 11, 2015 at 7:38 am

Hi, Zha!

It would be best to call PhilHealth directly, baka makahingi ka ng copy ng OR if nakabayad na ang company nyo. I have no idea on the penalty.

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lengleng May 9, 2015 at 12:23 am

Hi! Pwede pong magtanong? Just wanna ask lang po kung paano po kung hindi po nakapag resign ng maayos sa isang company tapos meron kang sss, philhealth tas pag-ibig account. Mababaon po ba ako sa utang pag ganon na naka activate padin yung account ko? Or, kailangan ko na pong i-deactivate yung account ko soon as possible? Need some reply, thankyou!!!

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Elvin May 11, 2015 at 7:43 am

Hi, Lengleng!

What do you mean na i-deactivate? Do you have loans from these financial institutions na naka-salary deduction?

As far as I know kasi, hindi mo sila madedeactivate agad unless hindi ka nagcontribute for more than 6 months (or a year). For your whole life kasi, gagamitin mo yung SSS, PhilHealth at Pag-IBIG account mo. Hindi mo na sila mapapalitan.

If you resign, then your company should not pay these institutions kasi hindi ka na employed. It would be a loss on their end.

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teresa May 12, 2015 at 9:24 pm

Hello..pwede PO malaman Kung ang isang employee NA nagkaroon ng breast cancer ay pwedeng may apply sa sss ng employee compensation ..one of sss benefits?? Thank you

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Elvin May 15, 2015 at 8:18 am

Hi, Teresa!

The qualifications for the employee compensation benefits are the following (taken from this link: https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=employeescompensation)

1. Employees should be duly reported to the SSS;
2. Employees’ sickness, injury or death is work- connected; and
3. The SSS has been duly notified of such sickness, injury or death.

Kung ang breast cancer ay naging resulta ng pagtratrabaho, then eligible ang employee to apply for the Employee Compensation program ng SSS.

You may verify this with SSS or your employer.

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iluminada regaspi May 13, 2015 at 11:05 pm

tanong ko lang po ,kung pwede ako mag loan sa pag ibig ,andito pa ako sa saudi gusto ko san a na kung pwede ngayon mag apply ng loan para ng sa ganon pag uwi ko kung walang problema pag release nalang ng pera ,para habang nandon ako sa bakasyon magaw ako yong pag pa renov ate ng bahay ko.salamat

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Elvin May 15, 2015 at 7:58 am

Hi, iluminada regaspi!

I understand your concern. You may refer to this link for the process and for the list of requirements.

http://www.pagibigfund.gov.ph/benpro/Housing/pdf/6%20Steps_Jan2014_BW.pdf

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Jyldric Autor May 16, 2015 at 8:13 am

Hello. Mlapit na po ako mag 2 years sa pagbabayad ng aking Pagibig contribution sa tulong po ng kumpanya ko. Kaya lang po 100 pesos lng po yung monthly contribution ko.. Ako po ba ay entitled na maka avail ng housing loan at hanggang magkanu lang po kung sakali na posible.. Salamat po..

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Elvin May 17, 2015 at 8:23 pm

Hi, Jyldric!

Ang requirement sa Pag-IBIG housing loan ay at least 24 months contribution and dapat merong at least 5 monthly contributions in the last 6 months bago sa pag-fifile ng loan application. As for the amount naman, it depends on three things:

1. member’s actual need
2. based on capacity to pay
3. loan to appraisal value ratio.

You may search for my reply kay Prince (December 28, 2014) on this comment section.

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mary ann May 28, 2015 at 2:08 pm

hi I just want to ask. nagcheck ako online sa site ng Philhealth and then I found out and nakita ko po sa Summary of Contributions na wala akong hulog nung 2012 eh may work ako nung time na yun naka 5 months din ako at kinakaltasan nila ako ng Philhealth. after kasi ng 2010, 2013 kagad. may habol pa po ba ako dun? mababayaran pa bo pa ng previous Employer/Agency yung philhealth ko? what should I do?

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Elvin May 30, 2015 at 9:29 pm

Hi, Mary Ann!

You may try filing a complaint sa PhilHealth office. Just make sure you have a copies of your payslips na kung saan kinakaltasan ka ng employer mo. Although, possible din na ibinalik ng employer mo yung contributions mo after 5 months as part of your backpay. So be sure to collect facts bago ka magfile ng complaint.

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gracias June 1, 2015 at 5:59 am

Hi Elvin, tanong ko lang ang legalidad sa case na ito. Si employer ay nagregister sa SSS pero di pa nakapag remit ng contributions dahil nag struggle ang binuksang negosyo. Sa SSS registration may isang empleyadong naka declare before
mag operate ang business as per requirement by sss. Ang tanong ko sir, paano kung namatay ang empleyado na yon before mag remit ang employer ng contributions, please take note na hindi nagkaltas ang employer sa nasabing empleyado ng contributions . Ano ang mga pananagutan ni employer at kung magreremit ng payments si employer makaka avail pa ba ang namatay na employee ng burial benefits? Kahapon lang namatay ang employee.

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Elvin June 1, 2015 at 10:01 am

Hi, Gracias!

Based on SSS Website the qualifying condition to avail funeral benefit is “For employed members and those separated from employment – the deceased must been reported for coverage by his/her employer, even if no contribution was paid, for his/her beneficiaries to be entitled to the funeral benefit.”

May mga technicalities dito at I don’t think I am the right person to answer the question. I suggest, ask SSS directly.

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NTR June 5, 2015 at 11:38 am

Can both parents declare as dependent the same child? on SSS/ philhealth etc . . ?

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Elvin June 12, 2015 at 10:37 am

Hi, NTR!

I think yes, but the benefits will not be doubled.

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richard June 10, 2015 at 4:00 pm

sir elvin, just wanna ask po, yung employer ko po kasi ay di nag remit sa philhealth ng 5yrs (oct 2009 to dec. 2014), kumpleto po ako ng payslip na kinakaltasan po ako every payday, dapat po ba nila i refund ito sa akin or mag file ako ng complain sa philhealth? ganun din po yung sss ko, wala rin hulog, laktaw laktaw po for 5 yrs rin, ano ba ang dapat gawin? maraming salamat po…

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Elvin June 12, 2015 at 9:27 am

Hi, Richard!

It would be best to visit SSS and PhilHealth to double check if hindi talaga naremit ng employer mo ang contribution. Then if hindi talaga, ask them (SSS/PhilHealth) what to do.

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Rish June 27, 2015 at 9:19 pm

Hi, I have a question regarding ng husband’s SSS, Philhealth & Pagibig. He’s an OFW and kakaalis lang niya last May 5 ’15. Direct hired siya sa Qatar pero ang nagprocess ng papers niya is agency na ka tie-up ng company. So ang intindi namin is voluntary ang pagbabayad nya ng monthly contribution. The problem is hindi kasi namin alam kung ano ang mga reference/ID number nya for SSS, Pagibig & Philhealth. I tried calling the agency. They said na Pagibig & Philhealth lang covered ng POEA or kasama sa pinrocess nila. For the Pagibig, we can find daw the reference number sa OEC pero wala kasing nakalagay. For Philhealth naman, idedeliver daw yun dito sa bahay. But till now wala parin, mag 2 months na. For SSS naman is kelangan daw nya mag apply as voluntary. Medyo naguguluhan kasi kami kung paano ang process na gagawin. Lalo na sa SSS. And alam niyo kaya kung pwedeng ako ang magbayad ng contribution ng husband ko kasi he’s busy with his work dun. And lagi silang nasa desyerto. Thanks!!

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Elvin June 27, 2015 at 11:49 pm

Hi, Rish!

Yes. You can pay your husband’s SSS contribution tutal voluntary member naman sya. You may inquire sa SSS directly. They’ll help you out on the process.

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Nikka July 8, 2015 at 6:31 pm

Hi.I’d like to ask, what will I do if I registered twice in philhealth(online) because I thought my first attempt to verify the first tracking number had failed due to poor internet connection, so i tried to register again and it was successful, but after a minute I receieved emails stating that the both tracking numbers were already registered successfully. What will I do? Please help me. Thank you so much in advance.

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Elvin July 11, 2015 at 11:01 pm

Hi, Nikka!

I think wala naman issue dun. Hindi kasi nagkakaron ng dalawang philhealth number. In case na mangyari yun, you may go directly sa PhilHealth para ipag-merge yung dalawang account.

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Mayrell Castillo July 13, 2015 at 8:34 pm

Tanong ko lang po.kc hnd ko po nabayaran start november hangang ngayon yung sss ko ie gusto ko na sa ngayon mag bayad uli.kailangan paba bayaran yung hnd ko nabayaran dati??

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Elvin July 14, 2015 at 9:57 am

Hi, Mayrell!

Sa pagkakaalam ko ay hindi nagaaccept ng backpayments si SSS.

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ianne July 21, 2015 at 4:37 pm

hi ask ko lang kasi i pay my voluntary contribution sa philhealth last january 12, 2015 from jan to june i didnt notice na my typographical error sa number kasi sa bayad center robinson angeles pako nag settle ng payment . then i supposed to pay this month lahat ng bayad center nag appear is valid ung philhealth number when i check my previous payment slip nakita ko my isang mali number so what will i do now kailangan mag send ng letter requst sa philhealth regarding this matter? pls help and advise me kung ano format ng letter gagawin thanks and God bless

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Elvin July 22, 2015 at 7:56 am

Hi, Ianne!

I haven’t experienced that. Perhaps, it would be best if you visit PhilHealth near you para mas maexplain nila kung ano ang dapat mong gawin. 🙂

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Dianne n July 31, 2015 at 1:31 am

Pag ibig member ako. Natigil ako maghulog for 7mos dahil natapos na contract ko. Paano po kaya pede pa po mabayaran ko pa yung last 7mos na walang hulog? Salamat

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Elvin July 31, 2015 at 8:24 am

Hi, Dianne!

Sa pagkakaalam ko ay hindi na nag-aaccept ng back payments ang Pag-IBIG.

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Annie August 27, 2015 at 4:36 pm

Hi good afternoon nagwork po as maid …kailangan po na ung pag-ibig at philheat accnt.pag nang parigestered sa sss..

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Elvin August 28, 2015 at 8:55 am

Hi, Annie!

Sa pagkakaalam ko ay hindi naman required ang Pag-IBIG at PhilHealth account sa pagreregister sa SSS. Although, kasama ito sa benefits ng kasambahay based sa “Batas Kasambahay” RA 10361.

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Jan August 28, 2015 at 3:38 pm

Good day!

As ko lang po, may SSS loan po kasi ako before then nag resign ako. Nagka issues ako sa backpay ko with previous company tapos hindi na nabayaran yung SSS loan ko. I left the company back in 2013. Is there a way for offsetting sa SSS just like sa pagibig? Or for instance, kasi original loan ko is 24k, nakapagbayad ng mga 6k yung previous employer ko leaving a balance of approx 18k. Since pwede ka reloan after payment of 50%, pwede bang unti unti ko ng bayaran yung remaining 6k para maka kalahati ako sa balance then makapag loan ako ulit to cover the remaining balance?Or is there any other options kasi di ko kayang bayaran ng isang bagsakan yung total balance. Thank you.

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Elvin August 31, 2015 at 1:13 pm

Hi, Jan!

It would be best to visit SSS directly or kung hindi ito possible, you may ask your HR directly kung paano ang mangyayari. Usually kasi ibinabawas na sa backpay ang ang balance sa SSS loan eh.

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Jan September 1, 2015 at 2:46 pm

Thank you 🙂

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Louisse September 3, 2015 at 9:06 pm

Good day people. I have my SSS but I don’t have my Philhealth and I am currently employed for 1 year and several months. The HR told me that all deductions of my Philhealth will be saved on my SSS acc. Can this be possible? And if ever I will have my Philhealth, how can I transfer my SSS savings to it? Thanks!

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Elvin September 15, 2015 at 12:32 pm

Hi, Louisse!

I am really not sure about your concern. You may ask PhilHealth or SSS about it directly.

Please note though that there are a lot of cases where the employer is not remitting SSS or PhilHealth contributions of their employees. Let’s just hope that your employer is not one of them.

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May sibulo September 20, 2015 at 7:54 am

Hello,

Ako po ay nadiagnosed ng thyroid cancer, naoperahan, natheraphyat nakaclaim ng benefits sa sss. Tanong ko lang po, sa case ko pwede ba ako mag apply ng lumpsum sa sss at pag ibig,? Pwede na ba ako maexemt sa tax sa bir kasi I am still working?

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Elvin September 21, 2015 at 5:57 am

Hi, May!

Sa pagkakaalam ko po ay hindi. Ang lumpsum po ay for those retirees and permanently disabled. Since namention nyo po na nagwowork pa kayo, hindi po kayo qualified. You may check the SSS website.

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jigz September 22, 2015 at 3:19 am

Ser inactive n po ba ung account ko sa philhealth kung anim n buwan n ko ndi nkakapag hulog. At makakapag avail pa ba aq ng benifits.nla kht past six mos ng wlang hulog?

Pde pa po kayang bayaran ung mga buwan n un n nde nahulugan. Im seaman po. Not employed now. Tnx po

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Elvin September 22, 2015 at 8:08 am

Hi, Jigs.

In your case, malamang ay inactive member ka na kung 6 months mong hindi nabayaran ang contributions mo.

Sa pagkakaalam ko ay hindi na pwedeng bayaran ang mga nakalipas na contributions eh especially kapag nakalagpas ka na sa cut-off ng payment. Mas maganda po kung bumisita po kayo sa pinakamalapit na PhilHealth sa inyong lugar para mas ma-explain po nila sa inyo.

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jejerose September 30, 2015 at 4:49 pm

Tanong ko lang po kung pwede po ba ako mag over the counter payment for my pag-ibig loan kahit na employed ako? gusto ko na kasi makapag renew eh kung wait ko yung 1 month na salary deductions ko eh by november na ko makakaloan, in need lang po talaga ako ngayon.

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Elvin October 5, 2015 at 7:32 am

Hi, Jejerose!

I am not sure kung pwede. You can ask your HR about it kasi magddoble ang contributions mo for that specific month.

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Kasnov October 12, 2015 at 7:03 pm

Hi gud day…..
I just made a payment at pag-ibig edsa kamias branch…
It is supposed to be contribution pagtingin q dun sa receipt for short term loan payment ang naka print..
Ibinalik q po ulit sa teller sabi ko it is for contribution but then ki-nounter sign lang nia ung receipt…hndi na nia inaus ung nsa computer..
What is my possible way po para maaus ko un?
Tnx in advance

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Elvin October 12, 2015 at 11:40 pm

Hi, Kasnov!

I am sorry but I don’t know the answer to your question. You could have asked the teller bago ka umalis. You may try contacting their hotline (724-4244).

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vhie October 14, 2015 at 4:16 pm

Ask ko lang what po dapat kung gawin, im working in a private company since 2003 pero d po updated ang SSS ko Conribution and Loan ko 2nd loan 2008 until now kahit 1pesos walang hulog pero tapos ko na sya bayaran sa payslip ko 2010. Im planning to resign kaso nattakot me sa loan ko umabot na sya ng 58,000.00 pero ang na loan ko lang ay 24,000.00.

Please do ans may question in may email add.

Thank you God Bless

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Elvin October 20, 2015 at 12:16 pm

Hi, Vhie.

You may ask your HR kung bakit ganito ang nangyayari. Ask them kung saan napupunta ang kinakaltas nila sayo to pay your outstanding loans. If walang nangyayari, you may raise this directly to SSS.

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Alex October 26, 2015 at 7:58 pm

Hi! Hope you could help me. Last na hulog ng employer ko sa sss at philhealth ko, May pa, gagamitin ko sana philhealth ko this november kasi manganganak ako. Magagamit ko ba philhealth ko? Tho, kinakaltas nila sa sahod ko yung contributions na sana hinuhulog nila. Pwede ko pa kaya hulugan yung months na di nila nabayaran para lang magamit philhealth ko?

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Elvin October 28, 2015 at 10:00 am

Hi, Alex!

As far as I know, hindi kasi tumatanggap ng backpayments ang PhilHealth and SSS especially employed ka pa. Your employer should shoulder the penalties for not paying it on time. Be sure to confirm this with your HR, baka lang hindi pa nag-uupdate ang systems ng government.

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edna October 28, 2015 at 6:15 pm

Hi, ask ko lang, for Seafarers how much should employers abroad pay for the social contributions (SSS, Philhealth, Pagibig) of the crew? Same system ba sa Pinas na shared contributions (employee & employer)?
thanks and will appreciate your reply.

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Elvin October 29, 2015 at 6:12 am

Hi, Edna!

I am not sure about seafarers if they are treated like OFW’s. Based on the SSS table (see link below), OFWs are categorized under Self-Employed and Voluntary Member.

Base dito sa table, walang share ang employer. Covered ni employee ang contribution although there’s a price difference of P10.

http://www.philembassy.no/sites/default/files/downloads/new_sss_contribution_schedule_effective_january_2014.pdf

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edna October 29, 2015 at 6:47 pm

Thanks. Actually, manning agent says that it is mandatory for the crew (share taken from the allotment) and the employer abroad to remit this social contributions to them (agent) so they can in turn pay for the seaman’s contributions. I am just confused because someone has just told me that the employer should pay for the full amount as per the OFW column in the SSS table + Philhealth + Pagibig. I’ve been searching info’s for this on the web but can’t find any proof. I also can’t find info on crew allotment breakdown. Anyway, thanks again for your help.

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Jenky November 19, 2015 at 11:44 am

Good day po!

Yung husband ko po end of contract na sya. Tapos gusto namin na ituloy yung sss.pag ibig po..ask ko sana na magkano po ba ang monthly contribution ng sss at pag ibig.

Sa pag loan ng sss at pag ibig po, ilan po bang months or yrs dapat na maka pag loan..
Thank you and will appreciate your reply.

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Elvin November 19, 2015 at 3:21 pm

Hi, Jenky!

For the monthly contribution of SSS, it ranges from 110-1760 per month. Pag-IBIG naman ay minimum of P100 per month.

For loans naman, SSS one month salary loan requires 36 monthly contributions, 6 of which should be within the last 12 months.
Pag-IBIG’s Multi-Purpose Loan (MPL) requires 24 mandatory monthly savings (MS) and has 5 MS for the last 6 months prior to the date of the loan.

For more details visit SSS and Pag-IBIG website. Nakapublish dun pati kung paano mag-avail ng loan.

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Che Putungan December 21, 2015 at 6:01 pm

Paano po pag may naiwan na balance sa calamity at salary loan na hindi naisettled kasi i was unemployed 2yrs ago, will i continue to pay for it of yun bago q nlang employer ang maghulig thru salary deduction?
Thank you for your time

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Elvin December 28, 2015 at 7:17 am

Hi, Che!

Yes. As stated sa website ng SSS, “The employer shall deduct and remit to SSS any outstanding loan balance of new employees”. As for the employee-borrower responsibility, “A member-borrower who transfers employment shall submit to his new employer an updated statement of account of any outstanding loan balance with SSS and allow his employer to deduct from his salary the corresponding amortization due, including any interest/or penalty for late remittance.”

So, in your case, inform your HR about your outstanding loan. Just confirm with your employer for the schedule, baka meron na kasing penalty if hindi nasettle agad.

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NORA March 5, 2016 at 11:06 am

Hi, just got and read this article today…. what if our employees preferred to pay by themselves (voluntary) than to be under our company. We’ve been asking them to give us their membership number but they insist on paying on their own. Thank you.

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Elvin March 6, 2016 at 3:18 pm

Hi, Nora!

Is this for SSS? If yes, that is weird because the government mandates that the employer should shoulder 2/3 of the contributions. The rest of the contribution is the one paid by the employees themselves.

You better ask the help of SSS directly.

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len March 5, 2016 at 10:06 pm

During my employment i contributed 1,100/month,

now i am Separated from work.
it is high to shoulder 1,100/month as voluntary

i am planning to become a voluntary member for 330/month.
and increase my contribution

is it possible to make my contribution increase..

by 1 step by 2 step
January 330 January 330
February 385 February 440
March 440 March 550
April 495 April 660
so on… so on….

so that i can reach maximum contribution later on before retirement in 5 years

thank you

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Elvin March 6, 2016 at 3:13 pm

Hi, Len!

I understand that the contributions in SSS is a bit high for self-employed/voluntary members as compared to employed members. But to be honest, I am not sure if the plan you have might work.

It might be best to consult directly to SSS.

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cherryl bueno March 10, 2016 at 2:33 pm

Hi, Good day,

I just want to ask, if there is an issued form if our employees dont want to have a sss,pag-ibig and philhealth contributions?

Thank you

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Elvin March 11, 2016 at 4:36 pm

Hi, Cherryl.

To be honest, I am not sure. Better ask your HR (or SSS) about it.

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Jennifer March 11, 2016 at 9:40 am

Hi! I hope you can still answer, I am a Voluntary payee ng SSS, maximum amount, I got an Online Job and he promised that he pay half of my contribution, so I applied po for Voluntary and nung mag start n kmi ng work, ng ka problema kmi sa contract, so I terminated it, pede ko b I decrease ung monthly payment ko?

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Elvin March 11, 2016 at 4:35 pm

Hi, Jennifer!

I think pwede naman. Just visit the SSS office near you para maadvise mo sila at para hindi ka maconsider na inactive member the moment na hindi na bayaran ng employer mo yung contributions mo.

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Jessylee March 24, 2016 at 9:53 pm

hi bakit po ganun pag i click po ung every topic(im on mobile)
ex: sss benifits
maternity benifit
ganito po lagi nalabas.
sa unang click palang po.

DATE: Thu Mar 24 21:48:49 GMT
+08:00 2016
Your Contribution Collection List
(R3) file was successfully sent on
24 March 2016 at 09:48 PM.
Please take note of your
transaction details:

sent where?
eh mag babasa lang namn ako about certain benifits.

thanks po..

napakasipag nio sumagot:))

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Elvin March 28, 2016 at 7:53 am

Hi, Jessylee!

Try refreshing your internet browser’s history. If you don’t know how to do it, just go to google and search “clear browsing history Chrome mobile” Change mo na lang yung Chrome to your mobile phone’s internet browser.

I hope this helps. 🙂

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Faye March 26, 2016 at 11:44 am

Hi po. I dont know if this page is still active or what. May itatanong lang po kasi ako about sa philhealth. di pa po kasi babayaran ung sa philhealth ng mom ko. shes an ofw 2400 po ung dapat bayaran kaso dapat nung oct or sept pa un dapat bayaran. may penalty po ba un? And since holyweek po ngayon saan po ba pwede magbayad since sarado office nila? Gagamitin kasi ung philhealth ng mom ko kasi nkaconfine dad ko.please help me po.

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Elvin March 28, 2016 at 7:13 am

Hi, Faye!

As far as I know, PhilHealth does not accept back payments. But you can try visiting their office or calling out hotline: +632-441-7444 or +632-441-7442.

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gerry bernardo April 18, 2016 at 4:10 pm

Hi sir/madam
Good day.. .. Im. 60 yrs old right now. a retired employee and just waiting the processing of my retirement paper in SSS.
My question is.. can i avail to collect my LUMP SUM SAVINGS to pag ibig although im just 60 yrs old only?

thanks & more power

Gerry Bernardo

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Elvin April 19, 2016 at 10:07 am

Hi, Sir Gerry!

Based po sa website ng Pag-IBIG (http://www.pagibigfund.gov.ph/benpro/Provident/Provident%20Savings%20FAQs%5BAugust%202014%5D.pdf),

“A member may withdraw his/her total Pag-IBIG savings (provident benefits claim) upon occurrence of any of the following:

(a) Membership maturity after 20 years of continuous membership. The member must have remitted at least 240 monthly membership contributions with the Fund.

(b) Members who registered in 2010, under RS 9679 has the option to withdraw their savings after 15 years of continuous membership.

(c) Retirement. The member shall be compulsorily retired upon reaching age 65. He may however, opt to retire upon the occurrence of any of the following:
(1) Actual retirement from the SSS, the GSIS or a separate employer provident/retirement plan, provided the member is least 45 years
(2) Upon reaching age 60.”

That means po, in order to avail it kailangan na lang pong ma-prove na nakapagremit kayo ng 240 monthly contributions kasi nasatisfy nyo na po yung ibang requirement (age of 60).

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Ryan May 3, 2016 at 12:14 am

Hi, I am an OFW, and every time I renew my clearances I have to pay the POEA, Pag-ibig and SSS but after several years of my contribution I found out that my SSS contributions are not posted meaning there’s no recorded payments including the recent and past years. SSS personnel asked me to produce a copy of the old receipts but some of my records are now lost. How this is possible? I payed everything in the cashier at the POEA office but expect SSS was not posted. Please let me know what is your recommendations on how to resolve this. Thank you

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Elvin May 3, 2016 at 12:29 pm

Hi, Ryan!

I am not an expert on this but you may try asking POEA if they have documents of your SSS payments.

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Ivy May 18, 2016 at 1:45 am

I’m glad That I was able to watch the videos. They were so informative. I know that we have to pay something for us to enjoy the benefits but I didn’t know there were so much to learn from being a member of SSS, PAG IBIG and PHILHEALTH. I haven’t been paying my contributions religiously, I admit….especially when I stopped working. But after watching the videos and knew the importance of the 3, I said to myself I have to contribute again eventhough I’m unemployed now.

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Elvin May 25, 2016 at 1:30 pm

Hi, Ivy.

We’re glad that our post informed you on how to enjoy the benefits of SSS, Pag-IBIG and PhilHealth. 🙂

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Marz May 24, 2016 at 10:02 pm

Hello, I just want to ask po. Yung Father ko po kasi retired na and may unpaid loan siya sa Pag-ibig makakakuha pa rin po ba siya ng retirement benefits mula sa cotributions niya? salamat po 🙂 God bless

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Elvin May 25, 2016 at 1:27 pm

Hi, Marz.

It would be best to talk to Pag-IBIG directly. Hindi kasi sya minention sa website nila. As for the retirement benefits please search for my response to Gerry Bernardo on this post.

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Rashid May 29, 2016 at 11:29 am

mga sir / madam,
tanong ko lang po, 5 years po ako empleyado tapos nag resign na po ako halos 1 year na po, ano na po mangyayari dun sa mga hulog ko sa pag-ibig? pwede pa po ba ituloy ulit?? or papano po ba??

maraming salamat po,
Godbless po

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Elvin May 30, 2016 at 7:31 am

Hi, Rashid!

Yes. Pwede mo pa sya ituloy ulit.

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niiru June 5, 2016 at 7:50 pm

hi im niiru seaman po ako tapos akala ko kasi kahit nka stanby kami sa lupa binabayaran pa rin ng opisina namin ang ang ss pag ibig etc., di pla..

ask ko if di updated sa pagibig sa pgbayad , pede ka pa ba mka loan para sa bahay?

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Elvin June 6, 2016 at 8:03 am

Hi, Niiru.

Pwede nyo pong tingnan ang eligibility requirements para makapag-avail ng housing loan sa pag-ibig sa website na ito: http://www.pagibigfund.gov.ph/benpro.aspx

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sel June 14, 2016 at 10:42 pm

Sir/ Maam;

Thank you for the information regarding SSS and pagibig.
I have a question and really need a clear answer for this.
I was a regular Gov’t employee for 4 years and our LGU paid my monthly contributions regularly. I resigned last January this year and presently working now in Saudi Arabia and I want to continue my contribution. Please let me know how to transfer my membership from Gov’t employee to OFW and how to pay my monthly contributions.
Thank you and Godbless.

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Elvin June 27, 2016 at 10:39 pm

Hi, Sel.

For Pag-IBIG, you may refer to this link and follow the instructions: https://www.pagibigfundservices.com/pubreg/starter_page.aspx
As for SSS, I think you need to visit a SSS office near you so that they can change your membership from employed to voluntary member.

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Natalia Mendoza June 25, 2016 at 12:29 pm

Gud pm. It would helpful to us ng masight ko po ito. Cency po kung mdmi ko itatanong.
** my husband has unpaid salary loan on sss and pag ibig for almost 10 years. Hindi n po naasikaso kc nagsarado un company nila, on that year twice kmi nasunugan at hindi naman po cy nkhanap ng job agad n may mga benifits sabay p po ang mga ns college naming mga anak. Ngayon po inasikaso po n ny ung monthly contribution. My question po is pwede po bang ibawas ung utang at interest nun sa mga pondo na ny? Or any advice po b masuggest nyo. Hindi po kc ky byran lht nung payables kung ipilit byaran agad besides voluntary contribution n lng po ginawa ny from may employer. Gusto naman po naming ayucin na.
** yung sa akin naman po, last year po ko nawalan ng job may payables din ako.paano po gagawin ko pr hndi lumaki byarin.maaaro din po bang ibwas dun sa pondo ko but itutuloy ko p din po ung hulog voluntary din po.
May small bussiness po kmi cnimulan this year nagdedeliver ng breakfast and lunch sa mga emloyee. At magrereflex din naman ako.since graduate n bunso namin ky like n naming ayucin mga aberya sa sss at pag ibig. Ang inaalala ko lng po bk biglaan ang byaran wl p po kmi pambabayad

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Elvin June 27, 2016 at 10:44 pm

Hi, Natalia.

On both cases, you should visit SSS and Pag-IBIG office and ask for their loan restructure program for them to help you.

For SSS, eto yung form, process at documents na kailangan. https://www.sss.gov.ph/sss/DownloadContent?fileName=mlp_loan_restructuring_application.pdf
For Pag-IBIG, http://www.pagibigfund.gov.ph/DLForms/housingrelated/HQP-HLF-002%20Checklist%20of%20Requirements%20for%20RL.Pencon.pdf

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jadameir June 29, 2016 at 11:58 am

Hello, Good morning! Ask ko lang po may effect po ba pag naging delinquent sa Pag-ibig Housing loan sa pag-avail ng Multi-Purpose Loan? Di na po ma-approve just in case mag-file ng MPL?
Thank you for creating this very helpful site, Kudos to you Sir/Ma’am!

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Elvin June 29, 2016 at 7:47 pm

Hello, Jadameir.

Based on the eligibility requirements ng Multi-Purpose Loan ng Pag-IBIG, ang allowed lang makapag-avail ay:
1. yung may 24 monthly mandatory savings
2. yung may 5 mandatory savings in the last 6 months prior to date of application and
3. yung may account na not in default prior to loan application (if there’s an existing housing loan and/or multi-purpose loan).

So, if delinquent ka, you might fail to satisfy the third requirement. This can be a reason para hindi ma-approve yung multi-purpose loan mo.

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jhosa July 1, 2016 at 9:36 am

Hi. i want to ask lang if there is a penalty kapag na-delayed ng quarterly payment sa Pag – Ibig. Thank you.

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Elvin July 1, 2016 at 11:45 am

Hi, Jhosa!

Are you referring sa monthly contributions? If yes at voluntary member, wala po. If employer ang delayed, then ibang usapan ito.

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JOSH July 1, 2016 at 10:31 am

Good Day!

ask ko lang po, what if employer does not follow the salary bracket of every contribution for example.. the the employee’s rate was 11000 and the contribution was declared below its bracket? what will happen?

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Elvin July 2, 2016 at 4:56 pm

Hi, Josh.

I am really not sure what will happen but employees can file a complaint.

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Josh July 5, 2016 at 1:33 pm

Hi , Elvin!

Do you have/knew any legal references for any employees to which he/she can complain? and where to file the complain?

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Christine Rose July 7, 2016 at 5:51 am

hi po..tanong ko lang hindi na po ako nag wowork ngayon kasi buntis po ako pwede po ba ako mag loan sa pag ibig kahit wala ng trabaho my 24 months na hulog po ako .. salamat.

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Eliada July 15, 2016 at 12:57 pm

Hello

I am an ofw….gusto ko magbayad monthly contributions sa philhealth, sss and pagubigfund. Saan po pwede ako magbayad online or through my MasterCard? Nahihirapan ako magbyad through remittance kc amo ko sng naghulog ng PEra ko sa banko. Please help me kc gusto ituloy ang hulog ko.

Sa payment monthly pwede ko pa po ba I cover ang payment from January to December2016?

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Aris July 25, 2016 at 2:06 am

Hello there,
Thank you very much for this helpful article.I am an OFW in Dubai.I want to have a housing loan,but still undecided if saan ba mas madaling mag apply at mas advantageous?SSS OFW housing loan or Pagibig?
Thank you very much for replying.

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Aika July 27, 2016 at 8:20 pm

Is it possible for an employer to deduct government fees like PAG-IBIG, SSS and PHILHEALTH even if he/she is not yet subject to Income Tax Deductions? Thanks!

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heinrich ngo August 2, 2016 at 5:36 am

Hi. I just recently got married, june 2016. My Wife doesn’t work at present and her last employment was 1st quarter of 2015. I only have 2 questions:

1. Should my wife change her Philhealth Status to Individual contribution since she doesn’t have work or should I just add her to my Philhealth dependent?

2. If in case your recommendation is for her to continue her Philhealth voluntary… what would be the process?

Thank you very much for what you would be sharing, truly appreciate it

Heinz

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addbott August 13, 2016 at 11:12 am

makakapag loan pa po ba ko sa sss kahit wala po akong work ngayon? klangan ko po kasi ng pera para makakuha ng mga requirements at pang apply din

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Elvin August 23, 2016 at 10:31 am

Hi, Addbott.

It depends on the type of loan and your qualifications. You may refer to this link for more details: https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=salaryeligibility.

As stated on that link it requires the following:
For a one-month loan, the member-borrower must have thirty six (36) posted monthly contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing of application.
For a two-month loan, the member-borrower must have seventy two (72) posted monthly contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing of application.

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Suzy August 25, 2016 at 1:13 pm

Hi, We have a construction corporation and I registered my employees to SSS and Philhealth. I also wanted to register them sana sa Pag-ibig pero ayaw ng workers. Skilled workers receive 500 daily and helpers get 300 a day. Kulang pa daw sa family nila if I deduct too much from them kasi malaki na daw deductions ng sss and philhealth. I informed them of the benefits they can get from Pag-ibig pero ayaw talaga. What can I do? I understand my workers’ side pero baka naman makasuhan ako if I dont declare them. Can they just execute an affidavit that they dont want to contribute?
Many thanks and hope to hear from you.

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Elvin September 30, 2016 at 6:56 am

Hi, Suzy.

Based on the SSS Guidebook (2010) on the SSS website, “The Employee is still entitled to SS benefits even if the employer fails or refuses to remit the SSS contributions.” So, ibig sabihin nito, kahit ayaw nila, kailangan nating sumunod.

Otherwise, the employer will be violating the SS Law which states that, “An employer who does not report temporary or provisional employees is violating the SS Law. The employer is liable to the employees and must: (1) pay the benefits of those who die, become disabled, get sick or reach retirement age; (2) pay all unpaid contributions plus a penalty of three percent per month; and (3) be held liable for a criminal offense punishable by fine and/or imprisonment.”

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Lyka Labrada August 27, 2016 at 12:29 pm

Hi,

Ask ko lang po, pwede bang kumuha ng loan sa SSS kasabay ng pagloan sa Pag-ibig? Plano ko po kasi maghousing loan sa Pag-ibig, then loan din sa SSS to cover the downpayment.

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Elvin September 30, 2016 at 6:58 am

Hi, Lyka.

I think pwede naman. It depends on your capacity to contract a loan. To be sure, please visit Pag-IBIG and SSS for more details.

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Bam September 1, 2016 at 2:02 am

Hi,
Would like to know if there will be a problem on my case.
I was pregnant last year but I did not disclosed my situation to my new company, hired oct 2015 and gave birth Dec 5, 2015, my work was here local but my employer is abroad. I was afraid that the company will not hire me if they knew I was pregnant. I only file leave for 15days after giving birth. Now I would like to process my maternity benefits under mat2 separeted from the company. I was already resigned and my previous company gave me certification of no advance payment received.
Hope for your reply.

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Izah sanchez September 1, 2016 at 2:58 pm

Hello sir
2 years and 5 month na po ako sa work ko sa factory e2 una kong trabaho
Pero wala akong phil health sss at pag ibig
Ngayon gusto kong maging member
Kasi gusto ko mag apply sa company required ang sss philhealth at pag ibig
Kaya lang wala ako kahit isa
Pano po ba maging member?
nag aalangan po kc ako baka di ko kayanin pag bayad
Mag kano po ba ang bayad a month? at pa ano gamitin ang mga e2
Thank u po
Sana po matulungan nyu ako gaya ng mga natulungan nyu. 😊

Reply

Elvin September 30, 2016 at 7:10 am

Hi, Izah.

To be honest, mandatory ang SSS, PhilHealth at Pag-IBIG sa employees kapag naging emplayado ka ng isang kumpanya. Pwedeng makasuhan ang employer na hindi nagrereport ng kanilang temporary or provisional employees (in violation of SS Law).

I suggest, kapag nakakakuha ka ulit ng trabaho, i-ensure mo na nagbibigay ng contribution ang employer mo.

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Ellen October 28, 2016 at 6:00 pm

hi po,

kareresign ko lng po sa company namin. and upon checking my contributions sa philhealth online, nakita ko po na marami years ang di nabayaran, at may mga years na kulang kulang pa po. mahahabol ko pa po ba yung mga unpaid philhealth contributions ko sa company ko po? At ano po ang maari ko pong gawin hinggil sa bagay na to? Salamat po ng marami!!

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Elvin October 30, 2016 at 10:30 am

Hi, Ellen.

I understand your concern. I suggest to take action by visiting a PhilHealth office and check validate your contributions. Minsan kasi ay hindi updated ang data online. Sa pagpunta mo sa office ng PhilHealth, make sure na dala mo lahat ng payslips mo na kung saan ipinapakita na kinakaltasan ka ng employer mo for PhilHealth.

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Ellen November 1, 2016 at 7:57 am

maraming slamat po!!

Sir, may question pa po ako regarding sa nonremittance ng sss at pagibig po ng company. Nagsubmit na po kmi ng sinumpaang salaysay at copy ng mga payslips po sa sss. Ang sbi po kc sa amin ng sss, nagfile na po daw sila ng kaso sa company nmin. Ang question ko po, puede po bang bayaran ng company yung sss contributions ko since resigned na po ako? Kc po kung hihintayin ko po matapos yung kaso, which is ayon po sa sss, mahigit na 100 milyon po daw yung hinahabol nila sa company namin, ay baka po abutin ng ilang taon bago po maupdate. Puede po ba akong magdemand sa knila na unahin na bayaran po yung contributions ko since wala na po ako sa company?

Thank you so much po for responding sa mga question ko po…
God bless po…

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joe November 4, 2016 at 3:11 am

Ma’am/Sir, oks lang po ba humingi ng updated monthly/quarterly contributions na hinuhulog ko sa sss,phil health at pag-ibig sa HR ng company namin. Since online ang payroll namin and hinde pwede I-access outside din for printing. For future personal reference/purposes na din .

Thanks…

Reply

Elvin November 4, 2016 at 8:05 am

Hi, Joe.

I think you should.

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kelvin November 4, 2016 at 4:22 pm

…hi poh ser?tanong ko lng.,mahigit 8 months na kasi akong hindi naka pagbayad sa SSS dahil na hinto ako sa trabaho ko…pwedi ko pa bang magamit yong SSS# ko sa susunod kong trabahong aapplayan?

Reply

Elvin November 4, 2016 at 9:35 pm

Hi, Kelvin.

Oo naman. Once nag-apply ka na for SSS, yun na dapat yung ginagamit mo kahit lumipat ka pa ng trabaho.

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jon November 6, 2016 at 1:37 pm

ask ko lang po. ang seafarer ba walang contribution na naggagaling s employer o agency nya sa pinas ganun kinuhanan nmin kmi ng copy ng number namin o id sa pag-ibig…

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Norie November 8, 2016 at 5:23 pm

good day po ask ko lang po regarding sa case ng asawa ko.
nagresign na siya sa company last march 2016, ngayon nakareceive po kaming demand letter na sinisingil po siya ng previous company ng lahat ng SSS, Pag IBIG loan, dapat daw bayaran sa company, what to do po kasi sobrang laki ng amount hindi naman po talga namin kayang bayaran yung ganung kalaking amount…pwede naman po ba na sa bagong employer na madeduct yung SSS and PagIBIG loans nia?
sana po matulungan niu ako sa concern ko salamat po ng marami.

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Miki November 11, 2016 at 9:17 am

Hi. If I have 2 employers at the same time pwd bang sabihin ko sa isa kong employer na voluntary contribution na lng ang gagawin ko. Voluntary sa lahat ng statutory benefits and tax? Para hindi 2 ang mag contribute kasi baka conflict of interest na may 2 employers ako..

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hermie November 15, 2016 at 4:58 pm

Hi! Nang nag maternity leave ako sinabi ng HR namin na kailangan kung bayaran ang 2 months na hindi ko pinasok para walang gap ang mga contributions ko. Tama po ba na pati share ng employer ay bayarin ko rin?
thanks

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Mel November 16, 2016 at 2:16 pm

Hi Sir,

Ask ko lang po, what if we have incorrectly paid the Pag-ibig and Philhealth contributions for an employee for a year where he is not an employee yet. Say, August 1, 2014 po dapat siya ma-report pero August 1, 2013 ang nailagay sa date of employment. Nabayad na din po ang penalties for that one year, late payment po kasi, this year lang nabayaran. Can we still reimburse that excess payments or have it credited to our future contribution.

Thank you.

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ariel barra November 20, 2016 at 6:58 pm

pwede po bang i lump sum sss khit wala pa ako sa retirement age?

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Bernie Mercado January 10, 2017 at 7:54 pm

I retired last Apr 30, 2016 and started my pension and availed a 18mos lump sum. But a company is hiring me again. What will happen to my SSS pension? Will it stop and i will again pay premiums? Pls advice. Tnx.

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junard January 26, 2017 at 7:30 am

I want to know more information about the application of educational assistance loan. at pwede po ba mag apply ang isang pensioner na? thank you.

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abz January 30, 2017 at 9:53 pm

Ma’am/Sir, Ask ko lang po if ano mangyayari sa philhealth ko kasi 5 years na ako hnd nagcocontribute, however I wanted to continue po. Ano po mga circumstances and pwede ko gawin? Thank you po.

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Elvin February 9, 2017 at 12:20 pm

Hi, Abz.

Most likely, you’re an inactive member dahil hindi ka na nakakapagcontribute for 5 years. Pwede ka naman magcontribute ulit. Just visit any philhealth office near you.

Reply

janice March 11, 2017 at 11:09 pm

heard that for an ofw there is a three in one that i can have my sss pag ibig and at the same time the philhealth
can you advice me for this? Thank you

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Hazel March 25, 2017 at 11:23 pm

How to check these 3 important things through online because until now, I don’t even know that my every deduction on my salary is put on these ..?
kindly help me. thanks

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tey April 3, 2017 at 5:20 pm

ask ko lang po .. pano kung di hinulugan ni employer yung philhealth even if my kaltas ka every month? ano po pwedeng gawin?

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ish April 4, 2017 at 5:51 pm

Ask lang po regarding sa philhealth.. di po kasi ako naka pag bayad sa philhealth contribution(voluntary) last march 2017.. pwede pa po ba mag bayad sa march at april contribution this april 2017? tsaka i paid my february contribution through rcbc pero di ko pa po nakita online na napost na po. thank you

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Blessy May 16, 2017 at 6:13 am

Hi i hope you can answer my question regarding SSS maternity benefit. My last contribution was sometime 2008 and claimed for maternity benefit too that time (ectopic pregnancy) last month i decided to start paying SSS as voluntary with the same amt my prev company was paying. This month i found out that im 8 weeks pregnant. Can i still avail of maternity benefit. Is there a way i can retro active my payments?

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Elvin May 22, 2017 at 9:05 am

Hi, Blessy.

The qualifications for the maternity benefit are the following (taken from SSS website):
1. She has paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.
2. She has given the required notification of her pregnancy to SSS through her employer if employed; or submitted the maternity notification directly to the SSS if separated from employment, a voluntary or self-employed member.

In your case, since na-mention mo na 8 weeks ka pa lang na pregnant, I am projecting na manganganak ka by December 2017, your semester of contingency is from July to November 2017. The 12 month period prior the semester of contingency is from July 2016 to June 2017. I think pwede ka pa makapasok basta nakapagcontribute ka last month (April) at makakapag-contribute ka this month and until next month (June) to satisfy the requirement in #1. Be sure to visit SSS office din para mas mabigyan ka ng linaw.

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Blessy May 28, 2017 at 9:40 am

Thank you for your answer. Unfortunately i had a misscarriage. I did pay my april-may-june contribution but now my question continue. Can i still claim the benefit? I was hospitalized last May25 and had the procedure d&c to remove the baby10week old inside me without heatbeat 🙁

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Anne May 24, 2017 at 7:06 am

You can check out my reviews about PAYPILIPINAS and other forms of paying online > mommylifeofjo.wordpress.com/2017/03/31/sss-pag-ibig-and-philhealth-for-wahms

Reply

Elvin May 25, 2017 at 8:36 am

Hi, Anne.

Thank you for sharing your experience. For sure lots of OFWs and Filipinos working at home can benefit from your article.

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Anne May 27, 2017 at 3:01 pm

Thanks to you too Elvin 🙂 I am paying via Paypilipinas and it has saved me time and effort 🙂

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JUDY CASTILLO May 27, 2017 at 1:58 pm

hi, magtatanong lang po, un isa ko po co-worker e mgreresign n po sa company nmin kc mgabroad daw sya e meron po sy existing loan s sss at pagibig paano ny po itutuloy ang pagbbyad ng kanyang mga loan. hindi po b pede ituloy ng agency ny ang pagbayad tutal pd nmn un salary deduction?
salamat po

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ina May 31, 2017 at 12:25 am

Hi, tanong lang po ako, kasi ganito po yun, nappag alaman ko na meron po akong HDMF loan deduction sa salary ko na hindi naman po ako ng loan sa HDMF. anong po ba ang dapat kong gawin para mabalik sa akin ang kinaltas nila sa sahod ko..

Thanks

Reply

Elvin May 31, 2017 at 11:47 am

Hi, Ina.

In your case, better visit HDMF as soon as possible.

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Marissa Novillas June 14, 2017 at 2:42 pm

Hi,

I worked for a group of companies for 23 years and was offered retrenchment last March 2013. On April 2013 I was hired by one of the companies in the group and was placed under consultancy agreement up to now. From 2013 to February 2017 am being included in the SSS, Philhealth and Pag ibig contributions and being withheld income tax. But last March 2017, our HR head advised that I am not to be included in the government mandatory contributions and shall just be withheld 10% ewt.
My question – what are the repercussions if I am to be included in the mandatory government contributions if I am just under consultancy agreement?
Please advise as I don’t want to put a stop to my contributions.

Thanks,
Maris

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jheizn September 26, 2017 at 3:17 pm

hi, ask lang po, kkakuha ko lang po ng sss # at wla po akong employer, washer po ako s isang bus company at hindi po fixed ang salary ko, depende po kung ilng bus ang natapos ko…pwede po bang maghulog n lng ako basta ng 990 pesos monthly s SSS pra s contribution ko or need pa n may declared salary? kasi un po ung tingin ko n kaya kong hulugan monthly…thanks!

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jam February 14, 2018 at 10:36 pm

my civil status in my mdr philhealth is wrong . i am single and not married , can i ask if it will affect my billing in the hospital ? just to make sure there would be no problem when i gave birth

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Jerome March 19, 2018 at 2:04 pm

Ask ko po kasi yung employer ko deducted sss philhealth and pagibig contribution but i dont have philhealth and pagibig accounts sss lng po sabi saken ng employer dun daw sa sss account ko muna napupunta yung contribution para sa dalawa is that possible?thankyou

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grexs May 18, 2018 at 4:18 am

tanong ko lang po kung pwede mag avail ng housing loan ang isang beneficiary? pag member n po ba sa sss member na din sa pag-ibig o magkaiba din po yan at kailang din mag file ng membership sa pag ibig ? at panu po malalaman kung anu ang pwede iloan ng isang beneficiary

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Elvin June 6, 2018 at 10:01 am

Hello, Grexs.

Base po sa website ng Pag-IBIG at SSS, ang pwede lang pong mag-avail ng loan ay member na may kaukulang contributions. Makikita po ang requirements sa website ng Pag-IBIG (http://pagibigfund.gov.ph/) at SSS (http://sss.gov.ph/).

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Alona June 2, 2018 at 11:11 am

Hello po good day!..ask ko lang po kung pwde po ba akong magloan sa pag ibig naka 36 months contribution na po ako kaso putol putol po yung hulog ko kc contract lng lang po work ko..unemployed na po ako sa ngayon last contribution ko po November 2017 ..pwde po ba ako magloan kahit wala pa po akong work?..

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Elvin June 6, 2018 at 9:57 am

Hi, Alona.

May iba’t-ibang requirements ang pag-loloan sa Pag-IBIG depende sa type ng iyong iloloan. Kung multi-purpose loan po, kailangan po na masatisfy nyo ang mga requirements na ito:
(1) With at least twenty-four (24) monthly contributions;
(2) An active member at the time of loan application, with at least one (1) monthly contribution for the last six (6) months;
(3) Member-applicant’s net take home pay shall not fall below the minimum requirement of the General Appropriations Act (GAA) or company policy, whichever is applicable;
(4) If with existing calamity loan, a member shall be allowed to avail of the MPL only after payment of at least six (6) monthly amortizations. The outstanding balance, together with any accrued interests, penalties and charges, shall be deducted from the proceeds of the MPL.

Base po sa requirements na ito, dahil ang huli nyo pong hulog ay November 2017 pa, hindi nyo po nasatisfy ang #2 requirement.

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Elijah June 5, 2018 at 7:15 pm

Hello po good day!, May issue po kaming small business owner na may dalawang taong binabayaran namin ng SSS on time. Ito na po yung issue. Nalaman po namin nung 2013 up to 2016 na nadoble OR sobra yung pag babayad ng contribution payments namin sa SSS. Nakita namin ito dahil sa R3/R5 payment summary, Payment documents na binayaran namin sa SSS branch. Ang tanong po maam, paano po namin mababawi or magagamit yung sobrang contribution payments na sobra or nadoble. Ang reason po na nadoble or sobra kasi po iba ibang tao (nuong 2013-2016) yung aming pinahawak sa pagbabayad at manage ng aming SSS. Please help po.

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Elvin June 6, 2018 at 9:53 am

Hi, Elijah.

Mas maganda po kung kayo po ay pumunta sa SSS upang itanong kung ano po ang magandang gawin. Pakidala po lahat ng katunayan na sobra ang inyong ibinayad.

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CRISTY October 3, 2018 at 9:06 am

Good day po!
Ask ko lang po for example yung Carwash, below 18 years old po yung mga empleyado tapos nakaregister yung company.
Magkakaroon po ba ng penalty ang company kahit wala pang sss,pag-ibig at Philhealth yung mga empleyado nya?

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Elvin October 9, 2018 at 2:15 pm

Hi, Cristy.

Pwede naman magtrabaho ang isang tao below 18 years old as long as above 15 na sila at nasasatisfy ang conditions na nakasaad sa batas. Pwede kang magrefer dito sa DOLE guideline na ito: https://www.dole.gov.ph/fndr/bong/files/DA%2001-08.pdf

Sa pangalawa mong tanong, generally dapat may SSS, Pag-IBIG at Philhealth. Although, meron din namang mga sitwasyon na hindi kailangan lalo na yung mga “exclusions from coverage” na ibinigay ng batas. Pwede mong tingnan ang section 8(J) ng RA 8282 for details. Kung may naviviolate man na batas, pwedeng masubject sa fines and/or imprisonment ang employer.

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