All Articles With Category : Government Services

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

P2P Schedule and Routes from Provinces to Metro Manila

Traveling daily from the nearby provinces of Metro Manila is so frustrating, to say the least. It takes you two to three hours at best, or four to five hours at worst (which happens more often), to get to any of the main business districts in the metro like Ortigas, Makati, and BGC. Heck, it’s even faster to fly to Davao or even to Hong Kong than crawl the expressways and EDSA every single day to Metro Manila. Can you relate? You can heave a sigh of relief, as you have an alternative. Commuting warriors from Bulacan, Cavite, Pampanga, Laguna, and Rizal—listen up! There are P2P bus services that will take you from your area to Metro Manila and vice versa. Let this guide to P2P schedule and routes for buses to and from Metro Manila’s nearby provinces help you plan your daily trips. Table of ContentsP2P Bus Routes to and from ProvincesP2P Provincial Bus Schedule and Fare Guide1. Alabang – Bacoor2. Alabang – Dasmariñas3. Antipolo – Makati4. Antipolo – Ortigas5. Bacoor – Makati6. Bocaue/Sta. Maria – North EDSA7. Cainta – Makati8. Clark – NAIA9. Clark – North EDSA10. Dasmariñas – Makati11. Imus – Makati12. Malolos – North EDSA13. NAIA – Sta. Rosa14. Noveleta – Makati15. Ortigas – Clark16. Sta. Rosa – MakatiFinal Thoughts P2P Bus Routes to and from Provinces As of February 2019, 16 P2P bus routes service passengers from the provinces north, east, and south of Metro Manila: Alabang – Bacoor Alabang – Dasmariñas Antipolo – Makati Antipolo – Ortigas Bacoor – Makati Bocaue/Sta. Maria – North…

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Civil Service Exam: Simple Guide for Aspiring Filipino Public Servants

Want to start a career in government service? You share the dream with eight in every 10 Filipinos. A recent JobStreet.com survey[1] notes the increasing desire for government jobs in the Philippines, with 77% of Pinoys wanting to work for the public service sector. Interestingly, the most in-demand government agencies for jobseekers are the SSS, BIR, and DPWH. Among the top perks of working for the government are job security and attractive compensation package (with allowances and bonuses). To raise your chance of getting hired (and eventually promoted) in the government, you need to pass the civil service exam first. This examination is the government’s way to screen and select prospective civil servants in the country. Here’s what aspiring government employees should know about taking the civil service exam in the Philippines. Table of ContentsWhat is Civil Service Exam?Types of Civil Service ExamsCivil Service Examination CoverageModes of Civil Service ExamWho Can Take the Civil Service Exam?Who are Exempted From Taking the Exam?What are the Civil Service Exam Requirements?What’s the Civil Service Exam Schedule?How to Apply for Civil Service ExamApplication Procedure for Pen-and-Paper Test (PPT)Application Procedure for Computerized Examination (COMEX)How to Take the Civil Service ExamHow to Check Civil Service Exam ResultsFinal Thoughts What is Civil Service Exam? The civil service exam, sometimes called the career service examination, is a test created and administered by the Civil Service Commission (CSC) to determine those who are fit for a government job. Types of Civil Service Exams There are two types of civil service exams available in the Philippines: one for professionals and another for sub-professionals….

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UMID Card Application: Easy Steps and Important Things to Know

Updated November 20, 2019 The Unified Multi-Purpose ID (UMID) is a four-in-one identification card that Filipinos can use to transact with government agencies such as the Social Security System (SSS), Government Service Insurance System (GSIS), PhilHealth, and Pag-IBIG Fund. The UMID is also accepted as a valid ID in most transactions, making it one of the most powerful IDs in the Philippines. But unlike getting a passport, a UMID card application is quite simpler and easier even for fresh college graduates who are starting out in their first job. Looking to apply for a UMID card? Here are the important things to keep in mind before you start with your UMID card application. Table of Contents1. You Have to Apply Personally2. Make Sure You Meet All UMID RequirementsRequired Documents for SSS members:Required Documents for GSIS members:3. The UMID Card Application Process is SimpleUMID Card Application for SSS membersUMID Card Application for GSIS Members4. You Can Check Your UMID Application StatusHow to Verify UMID card status:5. You Can Apply for a UMID ATM card6. Beware of UMID Text ScamsFinal Thoughts 1. You Have to Apply Personally To date, no word yet if there will be a UMID online registration process. Proxies or representatives aren’t allowed, either. You have to apply personally at any SSS or GSIS office, which could be a hassle for Filipinos with hectic schedules. However, it makes a lot of sense because the government has to confirm your identity and make sure that only one card is issued to you. You need to be there to have your photo,…

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How to Check if Your Employer is Paying Your Pag-IBIG, PhilHealth, and SSS Contributions

Is your employer remitting the Pag-IBIG, PhilHealth, and SSS contributions being deducted from your salary? If your answer is “I don’t know,” “I’m not sure,” or “I don’t think so,” it’s time to start monitoring your contribution payments. You need to confirm if your company is up to date in remitting the correct amount of your premium payments to Pag-IBIG, PhilHealth, and SSS. These government agencies require all employers in the Philippines to remit their employees’ contribution payments every month or quarter. But some employers don’t remit their workers’ contributions (1). Even if payroll deductions are reflected on your monthly payslip, they aren’t an assurance that your employer actually pays your contributions. Check your Pag-IBIG, PhilHealth, and SSS contributions regularly. Yours should be up-to-date and remitted correctly, so you can qualify for housing and salary loans from SSS or Pag-IBIG anytime you need to borrow money for your short-term needs. This will also prevent delays in your benefit and loan processing. Table of Contents3 Ways to Check Your SSS Contributions1. Online via the My.SSS Facility2. SMS via the Text-SSS facilityHow to check your SSS contributions through text:3. Personal inquiry at the SSS office4 Ways to Check Your Pag-IBIG ContributionsPag-IBIG members can verify their paid contributions via different channels:2 Ways to Check Your PhilHealth Contributions1. Online via the Member Inquiry Facility2. Making an inquiry via the Interactive Voice Response SystemFinal Thoughts 3 Ways to Check Your SSS Contributions 1. Online via the My.SSS Facility Checking your SSS contributions can take less than five minutes if you do it online using the My.SSS service portal of the SSS website….

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A Complete Guide to PhilHealth Voluntary Membership Registration (Updated)

Life is uncertain—you may be healthy one day and be bedridden the next. You can’t afford not to have a health insurance for medical emergencies, especially if you’re not employed in a government office or a private company that provides HMO (health maintenance organization) coverage. This is where your PhilHealth membership comes in. Apart from life insurance, PhilHealth membership is a guaranteed way to protect yourself against unexpected bills. By enrolling under the individual paying member category (also known as voluntary membership), you’re assured of the same PhilHealth benefits that employees enjoy, even if you’re self-employed, unemployed, or an overseas Filipino worker (OFW). Learn how to become a voluntary member of PhilHealth[1] through this comprehensive guide. Table of ContentsWho can apply as a PhilHealth voluntary member?What are the PhilHealth Voluntary Membership requirements?How to register for Voluntary Membership in a PhilHealth officeHow to register for PhilHealth Voluntary Membership onlineHow OFWs can apply for PhilHealth Voluntary Membership5 Things to Remember When Applying for PhilHealth Voluntary MembershipFinal Thoughts Who can apply as a PhilHealth voluntary member? Any Filipino who doesn’t have a fixed employment term and is not a senior citizen, indigent member, or sponsored member can register as an individual paying member of PhilHealth. Collectively categorized as members in the informal economy, qualified voluntary PhilHealth members include the following: OFWs – documented or undocumented Filipino workers abroad Self-employed professionals – self-earning individuals such as entrepreneurs, lawyers, doctors, and freelancers whose income is generated from their profession or business Informal sector workers – people working in the informal economy[2], including jeepney and tricycle drivers, street and market vendors, and small construction workers Dual citizens –…

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Quick Guide to Pag-IBIG Salary Loan Application

This article was last updated on November 21, 2019. When you land your first job, your employer will hand you documents that will allow you to enroll with PhilHealth, SSS, and Pag-IBIG. While PhilHealth is your basic medical insurance provider, and the SSS identifies you as a private employee (alongside your Tax Identification Number from the BIR), the Pag-IBIG Fund is your gateway to financial assistance from the government. One of the advantages of being a Pag-IBIG member is that you can apply for a Pag-IBIG Salary Loan. “Salary Loan” in reference to the fact that the amount you can borrow is dependent on your Pag-IBIG contributions. Interested to apply for a Pag-IBIG Salary Loan? Here’s a quick Pag-IBIG Salary Loan application guide for you: Table of ContentsPag-IBIG Salary Loan EligibilityTo qualify for a Pag-IBIG Salary Loan, Pag-IBIG Fund members need to accomplish the following requirements:Pag-IBIG Salary Loan RequirementsBelow are the requirements needed in a Pag-IBIG Salary Loan application.How to Compute Pag-IBIG Salary Loan AmountPag-IBIG Salary Loan Term and Modes of ReleaseHow to Speed Up Your Pag-IBIG Salary Loan ApplicationPag-IBIG Salary Loan PaymentFinal Thoughts Pag-IBIG Salary Loan Eligibility To qualify for a Pag-IBIG Salary Loan, Pag-IBIG Fund members need to accomplish the following requirements: Have a total Pag-IBIG Fund savings of PHP 4,800 or at least 24 monthly Membership Savings (MS) Have made at least one Membership Savings within the last six months, as of month prior to date of loan application Submission of sufficient proof of income Note that Pag-IBIG members with an existing Pag-IBIG Housing Loan or Pag-IBIG Calamity…

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Makati Subway: Everything to Know About Makati’s Biggest Project

Do you live or work in Makati? Expect big changes when the Makati Public Rail Transport (PRT)—better known as the Makati Subway—becomes operational in five years. The 10-kilometer Makati PRT will be the first intracity subway system in the Philippines. What’s in store for residents and employees in the country’s premier business district? Let’s explore Makati’s most ambitious infrastructure project to date. Table of ContentsMakati Subway Project at a GlanceHow Will Makati Subway Benefit Us?1. Faster and Easier Commutes2. Increased Work Productivity3. More Jobs and Business Opportunities4. Increased Profits for Real Estate Investors5. Reduced Air PollutionFinal Thoughts Makati Subway Project at a Glance Here are the basic stats on the Makati PRT, based on information from the Makati City government so far: Makati Subway stations: 10 underground stations with at least 30 entrances linked to key destinations around the city Project cost: USD 3.7 billion Construction timeline: December 2018 to 2023 Passenger capacity: Over 700,000 daily (or 27,000 every hour in each direction) Operational trains: 12 air-conditioned trains in the first year of operation, with intervals of 3 to 6 minutes (Future target: 18 trains with intervals of 2 to 4 minutes) Operating hours: 18 hours daily How Will Makati Subway Benefit Us? 1. Faster and Easier Commutes The Makati Subway System will ease the flow of traffic in the city, addressing the transport and parking problems of residents and workers. Citing feasibility studies, the city government estimates that the PRT will help reduce 270,000 vehicles on the road by 2048. This project will benefit some 500,000 residents and five million…

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The Complete Guide to Claiming Your Pag-IBIG Contributions

You’ve diligently paid your Pag-IBIG contributions throughout your entire career. And now, you think it’s time to get your investment back. How to claim Pag-IBIG contribution, you wonder. Read on this guide to know the proper way to withdraw your savings. Table of ContentsWhen Can You Withdraw Pag-IBIG Contributions?1. Membership Maturity2. Retirement3. Permanent Total Disability or Insanity4. Separation from Service due to Health Reasons5. Permanent Departure from the Philippines6. DeathList of Pag-IBIG Provident Claim RequirementsBasic Requirements for Pag-IBIG Provident ClaimAdditional Requirements for Different Types of Provident ClaimsHow to Claim Pag-IBIG ContributionSteps to File a Pag-IBIG Provident Benefits ClaimFinal Thoughts When Can You Withdraw Pag-IBIG Contributions? But first, it’s important to confirm first if you can already claim your Pag-IBIG savings. You can claim your Pag-IBIG savings, also called Provident Benefits Claim, when you meet any of these conditions: 1. Membership Maturity You’ve paid your Pag-IBIG contributions for at least 20 years, equivalent to 240 monthly payments. If you’re a Pag-IBIG Overseas Program (POP) member, you can claim your contributions at the end of five, 10, 15, or 20 years, depending on the option you chose during your membership registration. Check this guide to learn the ways to check your Pag-IBIG contribution payments. 2. Retirement When you reach 65 years old, you’ll be under compulsory retirement and thus eligible to claim your Pag-IBIG contributions. You may retire earlier at age 60, from the SSS, GSIS, or government service, or under your private employer’s retirement plan, as long as you’re at least 45 years old. 3. Permanent Total Disability or Insanity Pag-IBIG…

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What is Universal Healthcare Act and How Will It Benefit Us?

The President recently signed the Universal Healthcare Act, a measure that would provide health care coverage for all Filipinos. Should we care about it? Of course! Health care costs in the Philippines are getting more expensive. In fact, our country has the highest medical inflation rate in Asia at 13.1% in 2018, based on a Mercer Marsh Benefits survey. This is twice as high as the country’s consumer inflation rate at 6.7% (as of September 2018). Also, the latest data from the Philippine Statistics Authority show that Filipino households paid out-of-pocket 54.2% of the country’s total health expenditure from 2014 to 2016. The household out-of-pocket spending is higher than government healthcare financing schemes (34.2%). The Philippines’ dismal state of public health care system makes measures like the Universal Healthcare Act both necessary and urgent. Table of ContentsWhat is Universal Healthcare Act?How Will the Universal Healthcare Act Benefit Filipinos?1. Automatic Health Insurance for All Filipinos2. Expanded PhilHealth Coverage3. Simplified PhilHealth Membership4. Better Health Care Access and Quality in the PhilippinesFinal Thoughts What is Universal Healthcare Act? The Universal Healthcare Act (Senate Bill 1896) is a law to provide all Filipinos with access to affordable, quality, and comprehensive health services. Through this, the government will implement several reforms in the Philippine health care system. How Will the Universal Healthcare Act Benefit Filipinos? 1. Automatic Health Insurance for All Filipinos Under the Universal Healthcare Act, all Filipino citizens will be automatically enrolled in PhilHealth and therefore, will enjoy access to primary health services. This means you can avail of health care benefits even without…

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SSS Retirement Benefits: An Easy Guide to Claim Your Pension

The SSS retirement pension is always an emotional topic for retirees. It’s perfectly understandable—you’ve worked 40 years of your life and paid your SSS contributions without fail. It’s only fair to receive a pension that’s commensurate with the money and years of labor you’ve invested. But alas, it isn’t the reality for retirees in the Philippines. Stories of disappointed SSS pensioners[1] are all too common. If you’re a child, nephew/niece, or grandchild of senior citizens, you’ve probably heard endless rants about how little they receive from the SSS. Even the SSS retirement benefit application process may be too cumbersome for them to begin with. Perhaps, if they knew what to expect before receiving their retirement benefits, they wouldn’t be frustrated as much. If you’re a soon-to-be SSS pensioner or a family of one, it’s important to set your expectations right. Here’s what you need to understand about SSS retirement benefits and how to file for them. Table of ContentsWhat to Know Before Filing an SSS Retirement ClaimSSS Pension RequirementsHow to Apply for SSS Retirement BenefitOnline Retirement Benefit ApplicationHow are Retirement Benefits Paid?SSS Retirement Benefit WithdrawalAdvanced SSS Pension ClaimPossible Deductions in Retirement BenefitFinal Thoughts What to Know Before Filing an SSS Retirement Claim The SSS retirement benefit is a cash benefit paid to members of age 60 and above who can no longer work due to old age. SSS gives it either in a monthly pension or in a one-time lump sum cash. Applying for an SSS retirement pension without understanding everything about it can lead to a heartbreak. Here are…

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What Benefits Can Senior Citizens Enjoy in Your City?

Did you know that Filipino senior citizens who reach 100 years old receive a one-time PHP 100,000 cash gift? The Centenarians Act of 2016 (Republic Act 10868) mandates this cash incentive on top of senior citizen discounts and benefits under the Expanded Senior Citizens Act of 2010 (Republic Act 9994). Also, indigent senior citizens receive a PHP 500 monthly social pension, an additional financial assistance from the DSWD for the poor and needy elders. Local government units (LGUs) all over the Philippines implement their own ordinances and programs that provide senior citizen benefits beyond the discounts required by national laws. For example, seniors in Makati and Pasig get a free cake on their birthday. To avail of these senior citizen benefits, residents need to present their senior citizen ID issued by the Office of Senior Citizens Affairs (OSCA) or special card issued by their respective LGUs. We’re listing down the senior citizen benefits for Filipinos aged 60 and above in each major city in the Philippines. Table of ContentsSenior Citizen Benefits in MakatiSenior Citizen Benefits in Quezon CityBenefits for Centenarians in QCBenefits for All Other Senior Citizens in QCSenior Citizen Benefits in ManilaSenior Citizen Benefits in PasigSenior Citizen Benefits in TaguigSenior Citizen Benefits in ParañaqueSenior Citizen Benefits in CaloocanSenior Citizen Benefits in Other Philippine CitiesFinal Thoughts Senior Citizen Benefits in Makati Makati is known as the most generous city for elders, with its 80,000 registered senior citizens getting the royal treatment. It’s one of the first cities to give free cakes and implement coding exemption for seniors. Those with an…

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Balik Manggagawa OEC Exemption: Step-by-Step Guide for Returning OFWs

This article was published on September 28, 2018 and was updated on December 5, 2019. Returning OFWs shouldn’t waste their limited time with their families getting an Overseas Employment Certificate (OEC)—which can last for an entire day. If you’re in the exact situation, you should know that there’s a way to save you time. Did you know that you can get a Balik Manggagawa OEC exemption? Yes, you read that right. Returning OFWs aren’t required to secure an OEC, as long as they meet certain conditions. You can avail of an OEC exemption online with just a few of clicks. All you have to do is use the Balik Manggagawa (BM) Online System. Table of ContentsWho Can Get a Balik Manggagawa OEC Exemption?How to Get an OEC Exemption OnlineStep 1: Register for a BM Online AccountStep 2: Log in to the BM Online SystemStep 3: Update Your Profile PageStep 4: Click Acquire OEC or ExemptionStep 5: Wait for the OEC Exemption Confirmation MessageWhat to Do on Your Departure DatePre-Departure ProcedureHow to Avail of Travel Tax and Terminal Fee ExemptionFinal Thoughts Who Can Get a Balik Manggagawa OEC Exemption? Not everyone is entitled to an OEC exemption. You have to be a returning OFW (also called Balik Manggagawa) with a valid work visa or work permit who meet all the following requirements: Returning to the same employer Returning to the same job site Have a record in the POEA database (Meaning, the POEA previously issued an OEC to you) How to Get an OEC Exemption Online A qualified Balik Manggagawa worker can get an OEC exemption…

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Paternity Benefits in the Philippines: What Expectant Fathers Must Know

Expecting your baby soon? Your role as a father is crucial from the moment you learn about your wife’s pregnancy, more so during and after childbirth. You have to give her your time and support every step of the way—on top of working hard to provide for your new family. Such a great responsibility, huh? That’s why as a dad-to-be, you deserve to know the paternity benefits you can get from your employer and the government. Here are the questions soon-to-be dads usually ask about paternity benefits in the Philippines and their corresponding answers. Table of ContentsWhat Paternity Benefits Can You Claim?The Paternity Leave LawWho Can Avail of Paternity Leave?Paternity Leave RequirementsWhen Can You Avail of Paternity Leave?How to File for Paternity LeaveIs Paternity Leave Convertible to Cash?What If an Employer Refuses to Give Paternity Benefit?Final Thoughts What Paternity Benefits Can You Claim? Let’s set your expectations straight: Paternity benefits differ a lot from PhilHealth and SSS maternity benefits. For one, these two government agencies don’t provide benefits specifically for expectant fathers. Also, the Philippine Labor Code provides maternity leave benefits only—it doesn’t mention anything about paternity benefits. However, there’s a law that grants paternity leave benefits: the Paternity Leave Act of 1996 (Republic Act 8187). The Paternity Leave Law Under the law, male private and government employees in the Philippines are entitled to seven days of paternity leave with full pay. They should receive their basic salary, allowances, and other monetary benefits for those days. The paternity leave allows fathers to care for their newborn and wife after giving…

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A Quick Look at the New and Improved SSS Member Portal

Any SSS member knows how excruciatingly frustrating it is to use the SSS online service portal. Good thing, it recently got its much-needed upgrade. In August 2018, the Social Security System (SSS) launched My.SSS Beta, an updated version of the old portal that’s notoriously slow at best and non-responsive at worst. Through the My.SSS Beta portal, SSS members who have registered for a My.SSS account can access their social security information anytime and anywhere. For starters, here’s a walk-through of the new SSS online facility. Table of ContentsWhat’s New in the Updated SSS Member Portal?Compatibility with Most BrowsersBetter Site Design and LayoutMobile-Friendly InterfaceWhat Can You Do with My.SSS Portal?1. Check and Update Your SSS Membership Information2. Check Your SSS ContributionsMonthly ContributionsSE/VM PaymentsEmployment HistoryGenerate PRN/SOA3. Access SSS Online ServicesGenerate PRN/SOAMaternity NotificationRetirement ApplicationRequest RecordsBranch Appointment4. Generate Your Payment Reference Number5. Get SSS Contact DetailsFinal Thoughts What’s New in the Updated SSS Member Portal? So, what does the redesigned My.SSS portal offer and why should you use it instead of the old portal? Compatibility with Most Browsers What makes the old portal difficult—and often impossible—to use is that it works only with Internet Explorer version 11. But now, you can access the new portal using other web and mobile browsers such as Google Chrome, Mozilla Firefox, Safari, and Opera Mini. So whether you use a MacBook or a laptop with the latest Windows version, using the portal is now easy breezy. Better Site Design and Layout The new SSS member portal looks modern and sleek, with a user-friendly interface that makes browsing the site…

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Looking for Work Abroad? 4 Ways to Find Legitimate OFW Recruiters

Despite laws protecting the rights of Overseas Filipino Workers (OFWs), many of them still fall prey to illegal recruiters and end up exhausting their savings without landing an overseas job. Trying to find work abroad? Are you sure you’re dealing with a legitimate recruitment agency? Apply only through a recruiter licensed by the Philippine Overseas Employment Administration (POEA). Here are four ways to find legitimate OFW agencies and recruiters that can help you secure a job abroad. Table of Contents1. Use the POEA Verification System3 Ways to Check Legitimate OFW Recruiters with POEA2. Check Out Websites with Job Listings of Licensed Recruiters3. Check Reviews about OFW Recruiters OnlineHow to Find Legit Recruiters on RecruitmentAdvisor4. Avoid Scammers on FacebookFinal Thoughts 1. Use the POEA Verification System The POEA is the government agency in charge of licensing agencies that recruit and deploy Filipinos for working abroad. It has a verification system that allows prospective OFWs to check a recruitment agency’s current status—whether it has a valid license or is marked as one of the following: delisted, canceled, forever banned, or ceased operations. The system also provides the websites and contact information of licensed recruiters. 3 Ways to Check Legitimate OFW Recruiters with POEA POEA website: To access the verification system, click the Status of Recruitment Agencies[1] link on the POEA website’s homepage. POEA mobile app: You can download POEA’s mobile app via the App Store or Google Play Store. The app works like the recruiter verification system on the POEA website. POEA hotlines: If you don’t have internet access, you may call…

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National ID System in the Philippines: The Good and the Bad

Are you in favor of the national ID law? The latest SWS survey results show that majority of Filipinos (73%) support the national ID system. However, there are fears about the system’s implications, particularly in terms of data security and privacy. How will the new law affect Filipinos? Should you be worried? MoneyMax.ph explores the pros and cons of the new national ID system in the Philippines. Table of ContentsWhat is the National ID System?Why the National ID is Good for UsOne ID for All TransactionsEasier Access to Financial ServicesMore Efficient Government TransactionsEasier to Get a Senior Citizen DiscountProtection from FraudWhy the National ID System is a Cause for ConcernPossible Data BreachesPossible Privacy Rights ViolationsFinal Thoughts What is the National ID System? On August 6, 2018, President Rodrigo Duterte approved the Philippine Identification System Act (Republic Act 11055) that creates a national ID system, which is a centralized database for all personal information of citizens and foreign residents in the Philippines. The Philippine Identification System or PhilSys will provide each registered person a unique and permanent PhilSys number and a physical ID card called the PhilID for use in transactions that require proof of identity. Most countries worldwide issue national identity cards to their own citizens, such as Singapore, Thailand, China, South Korea, France, Italy, and Spain, among many others. Before the signing of the new law, the Philippines was one of only nine countries in the world without a national ID system. Why the National ID is Good for Us One ID for All Transactions Isn’t it frustrating when your transaction…

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How to Apply for the SSS Loan Restructuring Program

Got an SSS loan you haven’t paid for years? Consider applying for the SSS Loan Restructuring Program—this can definitely help you settle your overdue loan. Here’s everything you need to know about SSS loan restructuring in the Philippines. Table of ContentsWhat is the SSS Loan Restructuring Program?Key Features of a Restructured SSS LoanHow the LRP WorksWhy Should You Apply for Loan Restructuring?Who Can Avail of the SSS Loan Restructuring?How to Apply for the SSS Loan Restructuring ProgramSSS Loan Restructuring Application RequirementsSteps to Applying for the SSS LRPFinal Thoughts What is the SSS Loan Restructuring Program? The Loan Restructuring Program (LRP) allows Filipinos with unpaid SSS loans to settle their outstanding balance under a restructured repayment term. Qualified SSS members can avail of the program until October 1, 2018. Loan restructuring makes it easier to pay back what you owe to the SSS. You’ll have to pay only the overdue principal amount plus interest. After completing the repayment for the restructured loan, you’ll no longer pay the penalty fee you’ve accumulated after years of non-payment. Key Features of a Restructured SSS Loan Pay only the loan principal and interest Waived penalty Lower annual interest rate of 3% (versus the 10% annual rate of the SSS Salary Loan) Pay off the SSS loan in full or by monthly installments for up to five years How the LRP Works When you’re approved for loan restructuring, all your overdue loans with the SSS will be consolidated into one restructured loan. You can pay either in full or by monthly installments, depending on your ability…

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Know Your Rights as a Motorist at a Police Checkpoint

Ever been stopped at a police checkpoint? Do you know how to respond and protect your human rights in such a situation? Keep reading to know the dos and don’ts during a police checkpoint inspection. Table of ContentsWhy the PNP Conducts CheckpointsThe PNP Checkpoint GuidelinesYour Rights at a Police CheckpointYou Must be Treated with Courtesy and RespectThe Police Shouldn’t Force You to Get Out of Your Car or Open Your TrunkYou aren’t Required to Answer Any QuestionThe Police Shouldn’t Extort Money or Harass YouYou Can Report Violations ImmediatelyFinal Thoughts Why the PNP Conducts Checkpoints Police checkpoints in the Philippines aren’t something to be scared of—they aren’t a bunch of men in uniform ganging up on innocent motorists. Instead, the Philippine National Police (PNP) is expected to give a real sense of security through these checkpoints. Police checkpoints are meant to maintain public safety through spot checks that deter criminals on the streets. The PNP sets up checkpoints during election season and other times that call for an increased police presence, such as when President Rodrigo Duterte placed the Philippines under a state of lawlessness[1] following the Davao City bombing in 2016. The PNP Checkpoint Guidelines Police officers in the Philippines observe strict protocols based on the PNP Operations Manual so that they won’t abuse their powers and cause so much inconvenience to motorists and commuters. Also, the PNP released guidelines[2] on what motorists should do and expect during checkpoint inspections. Your Rights at a Police Checkpoint Police checkpoints are not without abuses and illegal conduct[3]. Assert your rights when you’re flagged…

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SSS Disability Pension in the Philippines Explained

  It’s tough to suffer from a lasting disability due to an injury or illness. Aside from physical limitations, you can’t come back to work and earn a living. If you or a loved one is caught in such a situation, know that you may get financial support by claiming a disability pension in the Philippines. Qualified government employees are entitled to GSIS disability benefits, while war veterans receive a disability pension from the Philippine Veterans Affairs Office. Private workers may qualify for disability benefits from the Social Security System (SSS). Planning to apply for a disability pension from SSS? Read on to understand this lesser-known yet useful SSS benefit. Table of ContentsWhat is SSS Disability Benefit?Types of Cash Benefits for Disabled SSS MembersOther SSS Disability BenefitsWho Can Get Disability Pension from SSS?Permanently Disabled SSS MembersDependents of SSS Disability PensionersHow Much is the SSS Disability Pension?SSS Disability Pension ComputationSSS Lump Sum Disability Benefit ComputationHow is the Disability Benefit Paid?How to Apply for the SSS Disability PensionSSS Disability Pension RequirementsSSS Disability Benefits Application ProcedureFinal Thoughts What is SSS Disability Benefit? SSS provides a cash benefit to members with a total or partial permanent disability. The benefit is paid either as a monthly disability pension or a one-time lump sum benefit, depending on a member’s number of monthly SSS contribution payments. Types of Cash Benefits for Disabled SSS Members Monthly disability pension – For members who have paid a minimum of 36 monthly SSS contributions before the semester of disability Lump-sum payment – For members who have paid less than 36 monthly…

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Quick Reminders Before Claiming Your New LTO License Plate

Finally, the long, painful wait for license plates in the Philippines is over for some vehicle owners. If you registered your car in July 2016 to December 2016, you’ll get your new license plate this year. The delays in the vehicle plate release have long hounded the Department of Transportation (DOTr) and Land Transportation Office (LTO) for five years, much to the dismay of millions of registered car owners in the Philippines. Since July 5, 2018, some of these backlogged license plates have been released to car dealers and owners nationwide. Does this mean we’ll be saying goodbye to being a “Republika ng Walang Plaka“? Yes, but not too soon. Meanwhile, here are some important reminders for the lucky ones who’ll claim their new license plates. Table of ContentsWait for a Notice from the LTO about Claiming Your License PlateLTO License Plate Release for Vehicles Registered from July to December 2016No License Plate Release Yet for Vehicles Registered Before July 2016No Release Date for Motorcycle Plates, TooBring the Complete Requirements for Claiming Your LTO License PlateBeware of FixersFinal Thoughts Wait for a Notice from the LTO about Claiming Your License Plate LTO License Plate Release for Vehicles Registered from July to December 2016 According to LTO Assistant Secretary Edgar Galvante, the license plates that LTO has produced this year are enough for distribution to vehicles registered from July to December 2016. However, the new LTO license plates will be released gradually and will be announced in the coming months. As for the exact date of claiming your new license plate,…

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