All Articles With Category : Government Services

The latest and the best financial news, tips and tricks.

Valid IDs in the Philippines You Need to Have

Nowadays, it’s important to have at least two valid IDs in your wallet. Private and government institutions usually ask to see one before pushing through with simple to major transactions like paying for bills or opening a bank account. And since we’re still months (or years) away from the release of the national ID, you’ll have to secure the following IDs one by one. Level up your #adulting game by collecting these valid IDs. Table of ContentsPrimary Valid IDs in the PhilippinesPhilippine PassportDriver’s LicenseSSS UMID CardPhilHealth IDPostal IDTIN IDVoter’s IDPRC IDSenior Citizen IDOFW IDSecondary Valid IDs in the PhilippinesFinal Thoughts Primary Valid IDs in the Philippines Philippine Passport Passports are not just useful when traveling overseas. A Philippine passport is also a powerful identification card that you can use in private- and government-related transactions. Where to Get Your Passport Apply for a passport through the Department of Foreign Affairs (DFA) website. To avoid delay and inconvenience, secure an appointment slot months before your trip. Philippine passports have a 10-year validity and cost PHP 950 to PHP 1,250. Read more: Easy Steps to DFA Passport Appointment, Application, and Renewal Driver’s License There are three types of driver’s license in the Philippines: student, non-professional, and professional. Issued by the Land Transportation Office (LTO), these three kinds of licenses are also considered valid IDs. Where to Get Your Driver’s License If you’re planning to drive or purchase a vehicle, make sure to get one at an LTO branch near you or through their online portal[1]. A license costs PHP 318 to PHP 820 and…

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LTO License Plate Release Updates for Car Owners

When will they release my new LTO license plate? Can I change my vehicle plate? Can I drive without one? What to do when my license plate is damaged or lost? These concerns may not be as urgent as an overheating engine or a flat tire, but your plaka matters, too. Serving as a vehicle’s identification, the license plate is required by law when driving on public roads in the Philippines. Here are some of the latest LTO license plate updates every car owner should know. Table of ContentsYour LTO License Plate from 2016 is Ready for ReleaseHow to Verify Your License Plate AvailabilityHow to Claim Your License Plate from LTOHow to Apply for a Replacement LTO License PlateYour Temporary License Plate Should Follow LTO Official SpecsPresident Duterte Signs the Doble Plaka LawLTO Releases First Batch of NEW Motorcycle PlatesAdditional LTO License Plate RemindersYou Still Can’t Apply for a Vanity Plate YetDriving Without a License Plate Can Get You in TroubleYour License Plate Number is PermanentBeware of FixersFinal Thoughts Your LTO License Plate from 2016 is Ready for Release Still awaiting your new LTO license plate for what seems like forever? What a bummer. While other countries have started implementing high-tech license plates, here we are—wondering for several years when our physical plates will be issued. But the long wait seems to be over (for some). For four-wheel vehicles registered from January to June 2016, their license plates will be ready for release[1]. LTO started releasing new plates and replacement plates last year and they are now available for claiming. As for…

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#MagpaRehistroKa: COMELEC Registration 2020 Guide for Voters

September 1 marks the start of Ber months, aka the Christmas season, in the Philippines. But many aren’t aware that it’s also the start of voter’s registration for the May 2022 elections. Before you get too busy with the holiday preps, don’t forget to fulfill your duty as a Filipino citizen. If you aren’t a voter yet, you need to register first with the Commission on Elections (COMELEC). Why bother to register? Voter’s registration is the first step to exercising your right to vote for the next leaders who will shape our country’s economy, international relations, public health, and other critical national policies. #MagpaRehistroKa na! Here’s a quick guide to walk you through COMELEC registration 2020. Table of ContentsWhat is Voter’s Registration?Who Can Register as a Voter in the Philippines?When is the COMELEC Registration?COMELEC Registration PeriodCOMELEC Registration Schedule 2020What to Do Before Registration1. Prepare the COMELEC Registration Requirements2. Download and Accomplish the Voter’s Registration FormCOMELEC Registration Form Guidelines3. Book an Appointment with Your Local COMELEC Office4. Know the COVID-19 Safety Protocols in COMELEC OfficesCOMELEC Registration 2020: How to Register as a Voter1. Go to the Local COMELEC Office2. Present the Voter’s Registration Requirements3. Have Your Biometrics Captured4. Wait for Your Acknowledgment ReceiptCOMELEC Registration 2020 for Overseas VotersCOMELEC Registration Schedule and Venue for Overseas FilipinosCOMELEC Registration Steps for Overseas FilipinosVoter’s Registration 2020 FAQs1. Do we have COMELEC online registration?2. How often should I register as a voter?3. What is COMELEC satellite registration?4. How to verify my COMELEC registration status?5. How to transfer my COMELEC registration?6. How to update my COMELEC registration?Final…

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Help Fight the Pandemic: How to Become a Contact Tracer in the Philippines

The number of active COVID-19 cases in the Philippines continue to rise, forcing the government to place parts of the country in various levels of community quarantine. To minimize the transmission of the virus, the government has hired over 30,000 contact tracers. But what is the role of a contract tracer in the Philippines? Keep on reading to know learn about it and how you can be a contact tracer in the Philippines. Table of ContentsWhat is Contact Tracing?What are the Responsibilities of  a Contact Tracer?1. Contact identification2. Contact listing3. Contact follow-upContract Tracer Skills and QualificationsContract Tracer RequirementsHow to Become a Contact TracerTESDA Training for Contact TracersWhat are the basic requirements for TESDA’s free contact tracing training?What are the qualifications for the trainers?Final Thoughts What is Contact Tracing? Contact tracing is the method of identifying, evaluating, and managing individuals who have been exposed to COVID-19. When done effectively, contact tracing can help reduce the transmission of the disease. The process requires tracers to identify individuals who have been exposed to a positive COVID-19 patient. They also have to follow up on them daily for at least 14 days from the last point of exposure. According to the Department of Health, contact tracing helps the country’s battle against the pandemic by: Interrupting ongoing transmission Reducing the spread of infection Alerting close contacts from possible infection Offering preventative counseling or care What are the Responsibilities of  a Contact Tracer? Apart from the abovementioned tasks, the World Health Organization has also broken down the contact tracing process into three sub-processes. These are the…

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DTI Loans for Businesses: How to Apply for P3 Program and CARES

The COVID-19 pandemic has forced 26% of businesses in the country to stop operations[1]. Some even permanently closed their doors to customers. The Department of Trade and Industry (DTI) and Small Business Corp. (SBC) launched the COVID-19 Assistance to Restart Enterprises (CARES) Program. SBC Cares Program aims to help entrepreneurs get back on their feet. CARES offers DTI loans of up to PHP 500,000, and is part DTI’s Pondo sa Pagbabago at Pag-Asenso also known as P3 Program, first launched in 2017. The P3 and CARES programs are quite similar. However, CARES Program specifically accommodates entrepreneurs whose businesses were affected by the lockdown. Keep on reading to know more about these types of DTI loans and if you should apply for the CARES or P3 program. Read more: Reopening Your Business? Guidelines and Tips for Resuming Your Operations Table of ContentsWhat is the DTI P3 Program?How much can I loan from the P3 Program?P3 Program Qualifications and RequirementsWhere can I apply for the DTI P3 Program?What is the CARES Program under DTI Loans?How much can I loan from DTI Cares?DTI Cares Qualifications and RequirementsAdditional requirements needed for CARESHow can I apply for the DTI CARES Program?Accredited Financial Institutions for DTI P3 and CARES ProgramsFinal Thoughts What is the DTI P3 Program? DTI launched the Pondo sa Pagbabago at Pag-Asenso or P3 program in 2017, starting with a PHP 1 billion budget. The program aims to discourage underprivileged business owners from borrowing money from loan sharks[2]. DTI partnered with SBC to lend loans from customers from the country’s top 30 poorest provinces….

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Steps to Getting a PRC ID: Online Registration and Renewal

After many sleepless nights reviewing for the licensure examinations, your hard work has finally paid off. You’ve passed the exam and can now practice your chosen profession. Congratulations! However, after donning your party hats and celebrating, you need to get your Philippine Regulatory Commission (PRC) ID. This ID is a requirement so you can start practicing your profession legally. In 2012, the PRC launched its online services to accommodate applicants wanting to take license exams[1]. The commission has since then extended its services to cater to professionals who would need to get and renew their PRC License and ID. Here is a step-by-step guide on how you can register for a PRC ID online. Table of ContentsWhat is a PRC License?What is a PRC ID?PRC ID Eligibility and RequirementsPRC Online Registration RequirementsHow to Get Your PRC License ID OnlinePRC Online Registration ProcedureSetting Up Your PRC Online ProfilePRC ID Requirements Submission and ClaimingPRC ID Renewal: How to Renew Your IDPRC ID FeesProfessions requiring baccalaureate degreesProfessions requiring non-baccalaureate degreesMedical representatives and real estate salespersonsPRC ID ValidityHow to Replace Lost PRC IDFinal Thoughts What is a PRC License? The Philippine Regulatory Commission was created in 1973, mandated to regulate various professions in the Philippines. The commission serves over four million professionals from over 43 regulated professions. It also caters to hundreds of thousands of aspiring professionals taking the licensure examinations every year. A PRC license proves that you are authorized to practice your profession. It is  issued to highly-skilled professionals such as architects, engineers, doctors, dentists, accountants, and veterinarians. Read more: PRC Online…

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How to Apply for a Pag-IBIG Housing Loan

Many Filipinos long to have their own home. It may seem impossible, what with basic goods getting more and more expensive by the day. However, you can turn this dream into a reality with the help of the Home Development Mutual Fund (HDMF), commonly known as the Pag-IBIG Fund. Its main service, the Pag-IBIG Housing Loan, can be used for various purposes such as purchasing a house to making home improvements. Table of ContentsWhat is the Pag-IBIG Housing Loan?End-User Financing ProgramAffordable Housing ProgramDifferent Purposes of Pag-IBIG Housing LoanPag-IBIG Housing Loan EligibilityPag-IBIG Housing Loan Requirements for ApplicationPag-IBIG Housing Loan Interest Rates and Term PeriodsHow to Apply for a Pag-IBIG Housing Loan1. Complete the requirements2. Submit your HLA and pay the processing fee3. Wait for the Notice of Approval (NOA)4. Submit your NOA requirements5. Get your loan proceedsHow to Pay for Your Pag-IBIG Housing LoanTips Before Applying for a Pag-IBIG Housing LoanSettle overdue Pag-IBIG loan paymentsHave a stable source of incomeBe realisticGet all your documents in orderTake care of your credit scoreApply with a co-borrowerFinal Thoughts What is the Pag-IBIG Housing Loan? Established in 1978, the Home Development Mutual Fund or the Pag-IBIG Housing Fund[1], is a government-owned agency under the Human Settlements and Urban Development department. It manages the national savings program and offers affordable house financing for Filipinos. You can get a housing loan from Pag-IBIG as an alternative to mortgages offered by banks. Below are the two housing loan programs offered by Pag-IBIG: End-User Financing Program This is the Pag-IBIG Fund’s regular housing loan program. Under this program, Filipinos can borrow up to PHP…

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What Is Virtual Pag-IBIG and How Do I Create an Account?

Did you know that you no longer need to visit a Pag-IBIG Fund office to apply for a loan or perform any other transaction with the agency? With the Virtual Pag-IBIG portal, it’s easy and quick to access the government agency’s services online in a matter of clicks while staying at home. You won’t have to wait in line for hours on end in a Pag-IBIG branch. Because the online service is available 24/7, you can use it even when Pag-IBIG offices are closed after office hours, on weekends, and on holidays. To enjoy such a convenience, the first step you need to take is to create a Virtual Pag-IBIG account. Here’s a simple guide to help you get started. Table of ContentsWhat is Virtual Pag-IBIG?Virtual Pag-IBIG ServicesServices You Can Access Without a Virtual Pag-IBIG AccountServices That Require a Virtual Pag-IBIG AccountAdditional Virtual Pag-IBIG ServicesVirtual Pag-IBIG Account RegistrationHow to Create a Virtual Pag-IBIG Account With Loyalty Card PlusHow to Create a Virtual Pag-IBIG Account Without Loyalty Card PlusHow to Create an OFW Virtual Pag-IBIG AccountFinal Thoughts What is Virtual Pag-IBIG? The Virtual Pag-IBIG[1] is an online facility that enables members to avail of Pag-IBIG Fund services over the internet. Launched in December 2019, the online portal was intended to make Pag-IBIG services more efficient and convenient. The Virtual Pag-IBIG, which is transaction-based, is different from the Pag-IBIG Fund’s corporate website[2] that is mainly informational. Using the system allows you to transact with Pag-IBIG anytime, anywhere using your laptop or smartphone without having to go to a branch. Virtual Pag-IBIG Services…

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OFW Repatriation Guide in the New Normal

Planning to come back home during the coronavirus pandemic? Brace yourself for an entirely different homecoming experience. OFW repatriation in the time of COVID-19 is a whole new ball game. No bunch of relatives excited for your return will pick you up at the airport. Instead, government frontliners in hazmat suits will welcome you upon arrival. Airport procedures on your arrival day will be longer and more complicated than before. You won’t be allowed to go home to your family until you complete the mandatory testing and quarantine for returning Filipinos. Much of the stress and anxiety stranded OFWs are having right now comes from not knowing what to expect when they get repatriated back to the Philippines. Here’s an OFW repatriation guide to help you manage your expectations, make your arrival more bearable, and return home safely. Read more: The New Normal Guidelines in the Philippines Table of ContentsOFW Repatriation Pre-Departure Checklist1. Request an OFW Repatriation Flight2. Book Your Quarantine Accommodation3. Register in the e-CIF System4. Register in OASISArrival Procedures for Returning OFWs1. Fill Out Different Forms2. Attend the Mandatory Quarantine Briefing3. Go Through Verification Procedures4. Get Swabbed5. Undergo Immigration Clearance6. Know Your Assigned OFW Quarantine FacilityOFW Quarantine GuidelinesQuarantine Protocols for Returning OFWsHow to Verify Your COVID-19 Test ResultsHow to Get a Quarantine CertificateHow to Get a Ride Back HomeHow Much Do COVID-19 Testing and Quarantine Cost for Returning OFWs?Final Thoughts OFW Repatriation Pre-Departure Checklist Before flying back to the Philippines, here’s what you must do to ensure your repatriation will go smoothly. 1. Request an OFW Repatriation Flight First…

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How to Use the LTO Online Portal: A Guide for Motorists in the Philippines

Need to file your driver’s license or car registration application or renewal? Why spend several hours at the LTO office (while exposing yourself to the risk of getting COVID-19) when you can just transact online? The Land Transportation Office (LTO) has recently launched an online portal for processing different transactions like license applications and renewal. This new LTO online system is part of the government agency’s transition to the new normal—which means people can transact at home over the internet and minimize physical contact at an LTO branch. To avoid running into problems while using the LTO online portal, familiarize yourself with the new system. Here’s everything you need to know about the agency’s online services. Table of ContentsWhat is LTO Online Portal?LTO Online Services Available through the LTMS PortalAdvantages of Using the LTMS Portal1. Faster LTO Transactions2. Safer Way to Process Your LTO Documents3. Increase Your Chance of Passing the Theoretical ExamAre LTO Online Services Available to All?LTO Offices That Process Online TransactionsLTO Online RegistrationLTO Online Driver’s License Application and RenewalHow to apply for a new driver’s license or renew your license via LTO onlineFinal ThoughtsGet a Free Car Insurance Quote! What is LTO Online Portal? The LTO online portal[1], officially called the Land Transportation Management System (LTMS), is a new web-based system that automates different transactions for motorists in the Philippines, including overseas Filipinos. LTO Online Services Available through the LTMS Portal These are the services currently available in the LTO web portal. Services may change over time. Application and renewal for all types of licenses (Note: LTO…

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Improve Your Skills With These TESDA Free Online Courses

Nowadays, the job market requires seekers to have more than a college degree. You need to bring something different to the table to have a shot at a coveted role. Thanks to technological advancements, you can now acquire additional skills online, helping you have a competitive edge. However, these online courses typically don’t come cheap. You don’t have to worry though! The Technical Education and Skills Development Authority’s (TESDA) online program lets Filipinos take online courses for free. Keep on reading to learn how to enroll in any of TESDA free online courses and what classes are available. Table of ContentsWhat is TESDA?TESDA Online ProgramBenefits Of Taking TESDA Free Online Courses How to Enroll in TESDA Free Online CoursesTESDA Online Courses RegistrationEnrolling to a TESDA Online ProgramList of TESDA Free Online Courses1. 21 Century Skills2. Appreciation Course on Flexible Learning3. Automative4. Electrical and Electronics5. Entrepreneurship6. Human Health / Health Care7. Heating, Ventilation, and Air Condition8. Information and Communications Technology9. Lifelong Learning Skills10. Maritime11. Performing Solid Waste Management in the Workplace12. Process Food and Beverages13. Social, Community Development, and Others14. Tourism15. TVETGetting Your TESDA CertificateFinal Thoughts What is TESDA? Established in 1994, TESDA is a government agency that manages and supervises technical education skills development in the Philippines. The agency’s goal is to develop the Filipino workforce with world-class competence and positive work values. TESDA also aims to provide quality technical-educational and skills development through its policies and programs. TESDA currently offers various programs and services to Filipinos who want to gain new skill sets. Some of these programs are the following: Technical-Vocational Education…

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PhilGEPS for Businesses: What Is it and How Do I Register?

An efficient way to broaden your business opportunities is by tapping government agencies as a potential clientele. These agencies hold many of the biggest project bids for goods and services in the country. Transacting with the government may require you to undergo various procedures and submit a lot of documents, but it can help grow your business in the long run. This is where PhilGEPS or the Philippine Government Electronic Procurement System[1] comes in. In this article, you will learn how government transactions can benefit your business and how you can bid on government contracts using PhilGEPS. Table of ContentsBenefits of Business to Government TransactionsWhat is PhilGEPS?PhilGEPS FeaturesPhilGEPS RegistrationPhilGEPS Membership Options1. Free2. PlatinumFinal Thoughts Benefits of Business to Government Transactions Business to Government transactions or B2G are transactions made between an enterprise and the government. B2G is the sale and marketing of goods and services to local, regional, and national agencies. It can be as simple as a small business providing catering services to a local government or a business as huge as a tech company providing cybersecurity to the national government. Below are the benefits of B2G: Creates a stable cash flow. B2G transactions may create a stable cash flow for you and your small business as most government contracts are long term. Additionally, they may lead to new clients and referrals, providing you more sources of income. Improves your network. Working with the government can open new doors for your business. It can help you build a relationship with other government entities and new clients. Strengthens your business’…

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How to Get a Driver’s License in the Philippines

As a new driver, there’s this indescribable mix of excitement and anxiety to take your car for a spin for the first time. But before you can drive, you’ll need a driver’s license. Driving without a valid license is illegal in the Philippines, and you will be fined PHP 3,000 for that violation. The process of license application in the Philippines can be quite confusing for first-timers. Check out this guide so that you know what to do and what to expect when you apply for a license. Table of ContentsWhat is a Driver’s License?Types of Driver’s License in the Philippines1. Student Permit2. Non-Professional Driver’s License3. Professional Driver’s LicenseDriver’s License ValidityHow to Get a Driver’s License in the Philippines1. Get a Student Permit2. Undergo a Medical Examination3. File Your Driver’s License Application Online4. Complete Your License ProcessingHow to Renew Your Driver’s LicenseWho Can Apply for Driver’s License Renewal?Driver’s License Renewal RequirementsFinal Thoughts What is a Driver’s License? A driver’s license is an official document that authorizes the cardholder to drive a motor vehicle in the Philippines. This identification card also functions as a valid ID for various transactions in the government and private sectors. The Land Transportation Office (LTO), a frontline government agency under the Department of Transportation, issues driver’s licenses. The agency is responsible for driver licensing and motor vehicle registrations in the Philippines. Types of Driver’s License in the Philippines The LTO has three classifications of licensing: student permit, non-professional driver’s license, and professional driver’s license. 1. Student Permit A student permit is a prerequisite for both professional…

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Quick Guide to Separation Pay in the Philippines

One of the most stressful experiences you may face in your professional life is being laid off due to unforeseen circumstances. A classic “it’s not you, it’s me” moment, losing your job can be confusing, especially now when the unemployment rate in the country has already soared to 45.5%[1] Read More: The New Normal Guide in the Philippines Upon receiving the bad news, you should know the details about the benefits you may receive from your employer. One of these benefits is separation pay. Keep on reading to know more about separation pay, whether you are qualified to receive it, and how to compute the amount you may get. Table of ContentsWhat is separation pay?With these causes, how can an employer justify my termination?Final Pay vs Separation PayWho is entitled to receive separation pay?And who are not entitled?How much is separation pay?How to compute separation payDetails you need to compute your separation pay:General formula for separation pay computation:How long should you wait before getting your separation pay?Final Thoughts What is separation pay? Separation pay is the amount of compensation you may get if your termination is due to authorized causes. According to the Labor Code of the Philippines, these causes are: Redundancy Retrenchment Closing or cessation of operation of the establishment Installation of labor-saving devices Employee is suffering from a disease and  continued employment is prohibited by law, prejudicial to his health, as well as the health of his co-employees With these causes, how can an employer justify my termination? Your employer should submit documents and undergo due process when terminating…

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BIR Online Payment Guide: Easy Ways to Pay Taxes in the Philippines

If you’ve been paying your taxes manually, you know how inconvenient it could be—not to mention that it’s risky because of the serious threat of COVID-19. This makes the BIR online tax payment a much better alternative to manual payment. Rather than line up at the bank or a BIR Revenue District Office (RDO), you can just stay at home and pay your taxes using your bank account, credit or debit card, or mobile wallet. Pay your taxes online to take advantage of its many benefits. Get started with this BIR online payment guide. Table of ContentsWhy Should You Pay Your Taxes Online?BIR Online Payment Channels1. Online banking channels2. LANDBANK Link.BizPortal3. DBP Pay Tax Online4. UnionBank online banking and mobile app5. GCash app6. PayMaya app7. Moneygment appBIR Online Tax Payment Steps for eFPS FilersBIR Online Tax Payment Steps for eBIRForms FilersHow to Pay BIR via LANDBANK / PESONetHow to Pay BIR Using DBP Pay Tax OnlineHow to Pay BIR via UnionBankHow to Pay BIR Using GCash AppHow to Pay BIR Using PayMaya AppHow to Pay BIR Using Moneygment AppFinal Thoughts Why Should You Pay Your Taxes Online? Online tax payment offers several advantages over manual payment. Here are the best reasons to pay your taxes online. Safety – Paying online helps you avoid crowds and long lines, reducing your risk of exposure to the coronavirus. You can just pay your taxes in the safety of your home. Convenience – BIR online payment facilities are available 24/7, so you can transact at your most convenient time, or during off-peak hours when the internet…

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Everything You Need to Know About the PhilSys National ID

The national ID system is in the news again, with calls for fast-tracking its implementation in the Philippines. Had the PhilSys been implemented sooner, delays in the distribution of government aid during the coronavirus pandemic could have been avoided, according to some senators and even the president[1]. As the government is seeing the importance of the PhilSys ID, so should you. Registration will open to the public in the last quarter of 2020. Before it starts, it’s good to be informed about what PhilSys is, what you’ll get from it, and how to get a PhilSys identification card. Table of ContentsWhat is PhilSys?What is a National ID?Who is Eligible for a PhilSys ID?PhilSys ID FeaturesPhilSys NumberPersonal Information Collected Under PhilSysBiometric Data Captured Under PhilSysSecurity FeaturesPhilSys ID ValidityPhilSys ID FeeBenefits and Uses of a National IDWhy Should You Get a PhilSys ID?What is the PhilID Used For?Is the National ID Available Now in the Philippines?How to Get a PhilSys IDPhilSys National ID RequirementsWhere to Apply for PhilSys IDPhilSys ID Registration StepsFinal Thoughts What is PhilSys? The Philippine Identification System (PhilSys), also called the national ID system[2], is the central identification platform of the government for all citizens and foreign residents in the Philippines. It’s established under the Philippine Identification System Act or Republic Act 11055[3]. The concept behind PhilSys is simple: “It will only answer ‘Who are you?’ and ‘Are you who you really say you are?’” This is according to the Philippine Statistics Authority (PSA), the national ID system’s chief implementor. What is a National ID? The Philippine Identification Card or…

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Business Permit Application Guide for First-Time Entrepreneurs

Opening a new business soon? A critical task you should make time for is your business permit application. This document is your proof that you can legally operate in the city or town where your business is located—whether it’s a physical store, a courier service, an online shop, or any enterprise. Read More: 10 Steps to Starting an Online Business in the Philippines So you can set up your business without fuss, know how to apply for a business permit properly. Here’s a simple guide for first-time business owners in the Philippines. Table of ContentsWhat is a Business Permit?3 Things to Know Before Filing Your Business Permit Application1. Apply for one ASAP2. You Should Secure Other Documents FirstBusiness Permit Requirements3. The Application is Typically Done in PersonHow to Apply for a Business Permit in the PhilippinesFinal Thoughts What is a Business Permit? A business permit is a certification that your business is legitimate. Having this document means your business has the license to operate in the city or municipality where it’s registered. This official document is also called the mayor’s permit because it’s processed by the local government unit (LGU) with jurisdiction over the place of business. Business permits are issued to ensure that businesses pay taxes and comply with local regulations for safety, security, health, and sanitation. This document also entitles an individual or organization to any support provided by LGUs to businesses in their area. Running an enterprise without this permit can result in penalties such as fines and imprisonment. In worst cases, the LGU may close the operations…

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How to Make Voluntary Contributions to Pag-IBIG, PhilHealth, and SSS

Did you resign from your job to become a full-time freelancer, OFW, or a business owner? Paying your Pag-IBIG, PhilHealth, and SSS contributions is no longer your former employer’s responsibility—you have to do voluntary contribution from now on. It’s important to continue your contribution payments with these government offices as a voluntary member. You can avail of a personal loan or housing loan, benefits (such as sickness, maternity, and retirement benefits), and health insurance—only if you meet the required minimum number of contributions. Here are the things you need to do if you’re planning to continue your voluntary contribution to Pag-IBIG, PhilHealth, and SSS. Table of ContentsHow to Update Your Membership Records for Voluntary ContributionHow to Change Your Pag-IBIG Membership InformationHow to Update Your PhilHealth Member Data RecordHow to Change Your SSS Membership TypeHow Much is My Voluntary Contribution?Pag-IBIG Voluntary Contribution RatesSSS Voluntary Contribution RatesWhere to Pay Your Pag-IBIG, PhilHealth, and SSS ContributionsPag-IBIG Voluntary Contribution Payment Facilities PhilHealth Voluntary Contribution Payment FacilitiesSSS Voluntary Contribution Payment FacilitiesWhen to Pay Your Voluntary ContributionPag-IBIG Voluntary Contribution Payment DeadlinesPhilHealth Voluntary Contribution Payment DeadlinesSSS Voluntary Contribution Payment DeadlinesFinal Thoughts How to Update Your Membership Records for Voluntary Contribution Before you can start remitting your voluntary contribution, you need to update your membership status with Pag-IBIG, PhilHealth, and SSS from employed to self-employed or OFW. It involves going to each of the government agency’s branch and filling out a form. You may be also required to present supporting documents. How to Change Your Pag-IBIG Membership Information Download and fill out the Pag-IBIG Member’s Data Form (MDF)[1]. Under…

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SSS Unemployment Benefits: What Members Must Know

This article was originally published on March 1, 2019 and was updated on May 8, 2020. Getting laid off from work is undoubtedly one of the most traumatic things to experience in one’s career. Aside from the pain of rejection, a terminated employee has to deal with the challenges that come with the sudden loss of income. There are bills to pay, mouths to feed, and other financial responsibilities that won’t go away. Government employees enjoy unemployment benefits from the GSIS, which protect them from the financial impact of involuntary separation from the service. Private employees now have a reprieve as well through unemployment insurance mandated by the newly enacted Republic Act 11199 or Social Security Act of 2018[1]. Qualified SSS members are entitled to unemployment benefits that help ease their financial burden while they’re looking for a new job. Even if you think your chances of getting terminated from work are slim, it’s important to know what the unemployment insurance provision means. Read More: A Guide to Separation Pay in the Philippines Table of ContentsWhat is the SSS Unemployment Benefits Program?Who can apply for SSS Unemployment Benefits?Who can’t apply for SSS Unemployment Benefits?SSS Unemployment Benefits RequirementsHow do I apply for SSS Unemployment Benefits?How can SSS afford this program?Final Thoughts What is the SSS Unemployment Benefits Program? The SSS Unemployment Benefits program provides cash assistance to involuntarily separated employees, including household employees and overseas Filipino workers. The cash grant is worth 50% of the member’s average monthly salary credit (MSC). The program will last for only two months, which means members can…

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Unemployment Benefits and Other COVID-19 Government Assistance Schemes

Infected or not, Filipinos are grappling with the impact of the coronavirus disease 2019 (COVID-19) pandemic in one way or another. Suddenly, the public health crisis disrupted the lives of many—from simple inconveniences like getting stuck in one’s home to more serious problems like the increased risk of coronavirus infection and loss of income. The national government declared an enhanced community quarantine all over Luzon, and some local governments in other parts of the Philippines followed suit. To help Filipinos recover from the loss of economic opportunities due to the lockdown, the government has started to provide unemployment benefits, financial aid, and other forms of assistance. We compiled them into one place, so you know which ones you can benefit from. Know if you are at risk for COVID-19 with our COVID-19 Self Assessment tool. Click here. Table of Contents: DOH Free Medical Consultation PhilHealth Coverage for COVID-19 Patients SSS Unemployment Benefits DOLE Cash Assistance (CAMP) DOLE TUPAD Program Cash Aid and Repatriation for OFWs DSWD Cash Aid for Low-Income Families SSS Salary Loan SSS and GSIS Calamity Loans Pag-IBIG Multi-Purpose and Calamity Loans SSS Contribution Remittance Deadline Extension Pag-IBIG Loan Payments Moratorium Income Tax Filing Extension Table of ContentsCOVID-19 Government Assistance for FilipinosFree Medical ConsultationPhilHealth Coverage for COVID-19 PatientsUnemployment Benefits for Affected WorkersSSS Unemployment BenefitDOLE CAMP: P5,000 Cash Aid for Local WorkersTemporary Jobs for Informal Workers$200 Cash Aid and Repatriation for OFWsCOVID-19 Emergency Assistance for FilipinosP5,000 to P8,000 Cash Aid for Low-Income FamiliesSSS Salary LoanSSS and GSIS Calamity LoansPag-IBIG Multi-Purpose and Calamity LoansPayment Deadline ExtensionsSSS Contribution Remittance Deadline ExtensionMoratorium on SSS…

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