11 Helpful Tips to Get Your Pag-IBIG Housing Loan Approved

Owning a home is a milestone that many Filipinos will always be proud of. For some, it’s a sign of financial independence. For others, it’s a status symbol. A lot of us consider this purchase a significant investment. A real estate property is expensive. Also, the acquisition process can be complicated. Successfully overcoming these grueling steps certainly feels like a victory. But did you know that owning a home can be easier than you expect? This is possible through the Pag-IBIG housing loan. With interest rates for as low as 3% over repayment terms of up to 30 years, this loan from the Pag-IBIG Fund is one of the more affordable and flexible home financing schemes in the Philippines. If you’re planning to apply for this loan, we’ve come up with a simple primer that covers the program’s basics, plus Pag-IBIG housing loan tips to increase your chances of getting approved. Table of ContentsHow Pag-IBIG Housing Loan WorksHow Long Does Pag-IBIG Housing Loan Processing Take?Pag-IBIG Housing Loan Tips on Getting Approved1. Settle Any Overdue Pag-IBIG Loan Payment2. Keep a Stable Source of Income3. Check Your Credit Report and Improve Your Credit Score4. Apply for an Amount You Can Actually Pay Back5. Make a Higher Down Payment6. Ensure Your Income Document Reflects All Your Earnings7. Consider Applying for Pag-IBIG Affordable Housing Loan Program8. Make a Checklist of Pag-IBIG Housing Loan Requirements to SubmitDisapproved Pag-IBIG Housing Loan? Here’s What You Can Do Next1. Get a Co-Borrower2. Buy a Lower-Priced Home3. Consider Alternatives to Pag-IBIG Housing LoanFinal Thoughts How Pag-IBIG Housing Loan Works…

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MMDA Violations and Fees Every Motorist Must Know About

Everyone who drives tries their best not to violate any traffic rule—that’s a fact. Sometimes, though, you’ll find yourself fined for an MMDA violation. “I didn’t know” is definitely not something you can say to get out of trouble. As a motorist, you’re obliged to observe traffic rules and regulations. Moreover, you must be updated on the penalties that come with certain traffic violations and misconducts. Don’t worry, we’ll fill you in on that. Here is a list of MMDA traffic violations and penalties you should know about. For your reference, we have also included the MMDA violation code sheet[1]. Table of ContentsMMDA Violation and Penalty Fee ListLicense-Related Violations and PenaltiesLicense Plate and Registration-Related Violations and PenaltiesCommon Driving Violations and PenaltiesPenalties for Improper Driver Behavior and ConductHow to Pay Your MMDA ViolationTips When Dealing with MMDA OfficersFinal ThoughtsGet a Free Car Insurance Quote from Moneymax! MMDA Violation and Penalty Fee List License-Related Violations and Penalties These violations usually involve your driver’s license—any misuse, failure to carry it while driving, or failure to renew it. License Plate and Registration-Related Violations and Penalties These violations involve the license plates issued to the driver upon registration, as well as those related to your vehicle registration. Common Driving Violations and Penalties These violations are among the most committed by experienced and newbie drivers in general. They involve disregarding driving laws, traffic signs, and traffic rules that endanger the safety of the driver, passengers, and other motorists on the road. Take note of the MMDA violation and penalty fee table below. Keep in mind that…

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Simple Steps to Applying for a Pag-IBIG Loyalty Card

If you’re looking for a new rewards card that will reap you the most discounts, try checking out the Pag-IBIG Loyalty Card. With this card, you can claim discounts and rewards from commercial establishments like restaurants, schools, and pharmacies, among others. Don’t have one? Here are the things you need to know before applying. Table of ContentsWhat is a Pag-IBIG Loyalty Card?Why You Should Get a Pag-IBIG Loyalty Card1. Cash Card Functionality2. Affordable Valid ID for Life3. Discounts and BenefitsHow to Get a Pag-IBIG ID Loyalty CardPag-IBIG Loyalty Card RequirementsPag-IBIG ID Loyalty Card Benefits and DiscountsHealth and Medication DiscountsEducation Benefits and DiscountsFood and Restaurant DiscountsShopping Discounts and BenefitsBeauty and Wellness DiscountsTravel and Accommodation DiscountsOther Discounted ServicesFinal Thoughts What is a Pag-IBIG Loyalty Card? Pag-IBIG first launched their loyalty program in 2014 as a way to maximize the value of the working Filipino’s Pag-IBIG membership. The government agency partnered with different establishments to offer exclusive discounts and perks to Pag-IBIG members nationwide. That’s why the membership grew from 8.8 million in 2010 to 14.8 million in 2014[1]. Indeed, the Pag-IBIG Loyalty Card became more than just a Pag-IBIG ID. In a developing country like the Philippines, it offered considerable financial assistance to citizens who want the best value for their money. And in late 2019[2], Pag-IBIG improved on it and gave it a whole new purpose. They introduced the Pag-IBIG Loyalty Card Plus, the agency’s very own cash card. “The new and improved Pag-IBIG Loyalty Card Plus can now be used as a cash card where borrowers can receive the proceeds…

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SSS Salary Loan vs. Pag-IBIG Multi-Purpose Loan: Understanding the Differences

At some point, you’ll find yourself struggling with money. It’s either an unexpected expense has come up or you’re trying to fund a major project and your budget can’t accommodate all your plans. If you’re currently cash-strapped, two financing options may help you out: the SSS Salary Loan and the Pag-IBIG Multi-Purpose Loan. To help you decide which one will work well for your situation right now, we’ve come up with a simple guide that covers all you need to know about these loans. Read on to learn more about SSS loan vs Pag-IBIG loan. Table of ContentsSSS Loan vs Pag-IBIG Loan: An OverviewWhy Get an SSS Salary Loan or Pag-IBIG Multi-Purpose Loan?How Much Can I Borrow from SSS and Pag-IBIG?SSS Loan Amount: How much is the first loan in SSS?Pag-IBIG Loan Amount: How much is the first loan in Pag-IBIG?What are the Loan Interest Rates? SSS Loan Interest RatesPag-IBIG Loan Interest RatesWhat are the Requirements?SSS Loan RequirementsPag-IBIG Loan RequirementsHow Can I Repay my SSS or Pag-IBIG Loan?SSS Salary Loan Repayment TermsPag-IBIG Multi-Purpose Loan Repayment TermsWhat Happens if I Can’t Repay my Loan?SSS Salary Loan PenaltyPag-IBIG Multi-Purpose Loan PenaltyCan I Renew My SSS Loan? How about My Pag-IBIG Loan?Final ThoughtsCompare Personal Loans at Moneymax! SSS Loan vs Pag-IBIG Loan: An Overview Confused about the SSS Loan vs Pag-IBIG Loan? Let’s start with the similarities. Basically, both SSS and Pag-IBIG loans provide short-term financial assistance to their members. The Pag-IBIG Multi-Purpose Loan or MPL is a cash loan that qualified members may apply for to help them with any immediate financial need.(1)…

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3 Simple Ways to Check Your SSS Contributions Online

In the past, tracking one’s monthly SSS contributions used to involve visiting an SSS branch or calling the agency’s hotline for self-employed workers and coordinating with the HR department for employees. Those were the days, fortunately. Today, you can view your SSS contributions online via the Social Security System website. You can do it in less than five minutes, depending on your actual internet connection speed. No more follow-ups, stressful commutes, or falling in line. Here’s a quick guide on how to check SSS contributions online. Table of ContentsWhy Check Your SSS Contribution Online?How to Check Your SSS Contributions OnlineStep 1: Visit the SSS websiteStep 2: Log in to your My.SSS accountStep 3: Go to the SSS Contribution Inquiry pageHow to Check SSS Contributions Online via the new SSS Member PortalHow to Check SSS Contributions Online via the SSS Mobile AppFinal Thoughts Why Check Your SSS Contribution Online? Verifying your monthly premium contributions regularly is worth the time and trouble. If you’re employed by a company, you need to make sure that your employer is actually remitting the correct amount and is doing it without delays. If you’re a self-employed or voluntary member, monitoring your SSS contributions will let you know immediately if you have any missed or incorrect payments so that you can make the necessary adjustments as early as possible. Why should you be meticulous about your contribution payments? To qualify for an SSS loan or benefit, you need to meet the required minimum monthly contributions within a certain period. For example, when you apply for an SSS loan,…

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PRC Online Registration: Guide for Professionals in the Philippines

Like other government agencies in the Philippines, the Professional Regulation Commission (PRC) has made several services available online through the Licensure Examination and Registration Information System (LERIS). This way, professionals can transact more quickly and conveniently with the PRC at any time. Through the PRC LERIS online application, you can do your initial PRC online registration for issuing of license or PRC ID, submit your PRC board exam application, or even get your PRC online renewal appointment rescheduled.  Here’s a quick guide to help you transact through the PRC online website minus the hassle. Table of Contents📌How to Register for PRC Online AccountPRC Requirements for Online RegistrationPRC Online Registration Steps📌PRC Appointment and Online Exam Application StepsHow to Apply for Board Exam in PRC 📌PRC Online Application for Initial Registration StepsHow to File PRC ID Online for New Board Passers📌Steps for Online Application for PRC ID Renewal How to Apply for PRC Renewal Online📌PRC Online Application for Certifications of Board Rating and PassingHow to File for Certificate of Board Rating and Passing Online📌Where to Pay PRC Online Services📌Reminders When Using PRC Online Services1. Set Your Appointment Date in Advance2. Beware of Fixers3. Email the PRC for Questions or Concerns📌PRC Online FAQs1. How do you cancel your appointment in PRC?2. How do you reschedule a PRC renewal appointment? 3. Can you walk in for a PRC renewal? 4. Where can you file your LET exam online application? 5. Is the PRC online registration free? Final Thoughts 📌How to Register for PRC Online Account The first of your PRC online application steps is registering for an…

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How to Get PWD ID: Benefits and Application Guide

Been putting off your PWD ID application? Get one as soon as you can. Whether your medical condition is visible or not, you’ll benefit a lot from having a PWD ID. It’s your proof of your entitlement as a PWD, so you can get discounts that can greatly help in easing your medical expenses and other types of purchases. Table of ContentsWhat is PWD ID?What is the validity of the PWD Card?Who can get a PWD ID?PWD List of DisabilitiesPWD Discount and Other Benefits1. 20% Discount and Value Added Tax (VAT) Exemption2. 5% Discount on Basic Necessities and Prime Commodities3. Mandatory Coverage Under SSS/GSIS, PhilHealth, and Pag-IBIG4. Educational Assistance5. Express Lanes for PWDs6. City-Specific PWD BenefitsHow to Get PWD ID Card1. Prepare the PWD ID Requirements2. File Your PWD ID ApplicationFinal Thoughts What is PWD ID? The PWD ID is the standard identification card for persons with disability (PWDs) in the Philippines. It can be used to avail of PWD discounts and other benefits as mandated by the law. What is the validity of the PWD Card? This ID card is valid for three years and free of charge when issued for the first time. There’s a minimal fee for PWD ID renewal due to expiration, damage, or loss of card. Who can get a PWD ID? Any Filipino with a permanent disability can apply for a PWD ID. Republic Act 10754[1] defines persons with disability as those with “long-term physical, mental, intellectual, or sensory impairments” that interfere with their interactions in society. PWD List of Disabilities The Department of…

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Pag-IBIG Acquired Assets: Homebuyer’s Guide to Availing Foreclosed Properties

Pag-IBIG acquired assets are ideal for both low-income earners who want to own an affordable home and real estate investors who want to maximize their returns. Interested in buying an acquired asset from Pag-IBIG? Here’s everything you need to know about Pag-IBIG Fund acquired assets to make an informed buying decision. Table of ContentsWhat are Pag-IBIG Acquired Assets?Should I Buy an Acquired Asset from Pag-IBIG?How to Find the List of Pag-IBIG Foreclosed Properties for SaleHow to View the List of Acquired Assets Under Negotiated SaleHow to View the List of Acquired Assets for AuctionHow to Bid for Pag-IBIG Foreclosed Properties1. Prepare the Bidding Requirements2. Check for Any Erratum Posting on the Pag-IBIG Website3. Attend the Scheduled BiddingHow to Buy Pag-IBIG Acquired Assets Under Negotiated Sale1. Reserve the Foreclosed Property2. Submit the Requirements for Purchase (For Housing Loan Only)3. Receive the Notice of Approval of Loan4. Sign and Submit Mortgage Documents5. Make Your PaymentTips on Buying Foreclosed Properties in Pag-IBIG1. Inspect the Property First2. Be Personally Present During Reservation3. Transact with Pag-IBIG Employees Only4. Avoid Occupied PropertiesFinal Thoughts What are Pag-IBIG Acquired Assets? A Pag-IBIG acquired asset is a property that’s foreclosed because the original owner who availed of Pag-IBIG housing loan failed to pay the monthly amortizations. The Pag-IBIG Fund normally gives delinquent borrowers a chance to buy back their foreclosed property when they default on their payments. It also offers this buy-back option to tenants who occupy and rent the foreclosed properties. If the buy-back option doesn’t work out, Pag-IBIG offers the foreclosed property to new buyers at a…

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OWWA Benefits Guide: 8 Ways to Maximize Your OWWA Membership

As an OFW, it’s reassuring to know that help will be on its way when you need it, like when you’re having employment-related problems and concerns while working abroad. That’s what the Overseas Workers Welfare Administration (OWWA) is for. This government agency is mandated to develop and implement programs that protect your rights as an OFW. If you become an OWWA member, you can avail of different forms of financial assistance and other OWWA benefits before, during, and after your overseas employment. Here’s a comprehensive guide to help you make the most of your OWWA membership. Table of ContentsOWWA Benefits for OFWs1. OWWA Loan for OFW2. OWWA Rebate Program3. OWWA Welfare Assistance Program4. OWWA Medical Assistance5. OWWA Disability Benefits6. OWWA Death Benefits7. OWWA Education and Training Programs8. OWWA Benefits for Ex OFWOWWA Membership FAQs1. What is OWWA?2. How to become an OWWA member?3. How many years is OWWA membership valid?4. How much is the OWWA membership fee? 5. Where to pay OWWA membership fee?Final Thoughts OWWA Benefits for OFWs 1. OWWA Loan for OFW What is OWWA OFW Loan? The OWWA loan for OFW members, officially called the Overseas Filipino Workers – Enterprise Development and Loan Program (OFW-EDLP), is a business loan that allows OFWs and their families to borrow money at a low interest rate for starting a business. Part of OWWA’s reintegration program, the OWWA loan is provided to balik manggagawa or returning OFWs and those currently working abroad. OWWA Loan Features Loan purpose: Working capital (for financing day-to-day operations) and fixed asset acquisition (for funding production or…

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Complete PhilHealth Online Registration Guide for New Members

The first step to getting universal health insurance coverage in the Philippines is to become a PhilHealth member. This involves going through a membership registration process on-site, which means going to a PhilHealth office, accomplishing forms, submitting the requirements, and being issued a PhilHealth number. In the new normal, that manual registration method might just slowly become a thing of the past. PhilHealth has made membership enrollment simpler through its PhilHealth online registration facility. Now, you can just complete the process over the internet while staying at home. No lines, no hassle, no contact with other people. Want to register as a new member? Here’s what new members need to know. Table of ContentsWhat is PhilHealth Online Registration?Who Should Enroll as a New Member?Why Should I Register as a PhilHealth Member?PhilHealth Benefits for MembersPhilHealth Online Registration RequirementsHow to Register in PhilHealth OnlineApplication ProcedureFAQs1. The site is down. What should I do?2. What is PhilHealth number?3. How to know my PhilHealth number online?4. How can I get my PhilHealth number through text?5. How can I get my PhilHealth MDR form online?Final Thoughts What is PhilHealth Online Registration? The e-Registration and Amendment System (eRAS) is a PhilHealth online registration facility under the My PhilHealth Portal that enables Filipinos and foreign residents in the Philippines to enroll in the National Health Insurance Program. PhilHealth’s electronic registration system is an easier alternative to the manual membership enrollment, eliminating the need to line up at a PhilHealth office. Online registration is very convenient, especially for those who live far from the closes PhilHealth branch and…

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How to Get Your TIN in the Philippines: Requirements, Steps, and Fees to Know

A TIN is one of the most crucial numbers you’ll ever have in your life. It can be as important as your cellphone number, so much so that you might have to memorize it as well because you’ll be asked to write down your TIN in countless forms and documents. Have you ever been issued a TIN before? If not, then here’s your guide on how to get TIN number in the Philippines. Table of ContentsWhat is TIN?Who is Required to Secure a TIN?How to Get TIN Number in the PhilippinesTIN Number Application for Self-Employed and Mixed-Income IndividualsTIN Number Application for EmployeesTIN Number Application for Corporations and PartnershipsTIN Number Application for OFWs and Unemployed FilipinosTIN Registration FAQs1. How many digits are there in a TIN number?2. How to get TIN number online?3. Should I get a new TIN when starting a business or a new job?4. I have 2 TIN numbers. What should I do?5. Should I register my business with the BIR every year?Final Thoughts What is TIN? A Tax Identification Number or TIN is a unique and permanent number issued by the Bureau of Internal Revenue (BIR) to an individual or organization to ensure that they pay correct taxes on time. It’s used for properly identifying the taxpayer when filing tax returns and tracking tax obligations and payments. The TIN is like an SSS number, PhilHealth number, and Pag-IBIG number in the sense that each of them is required in all transactions with the concerned government agency. This BIR-assigned number is also a requirement in other types of…

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Pag-IBIG Online Registration Guide: How to Get Your Pag-IBIG Number Online

For fresh college graduates and first-time employees, membership in the Pag-IBIG Fund (as well as PhilHealth and SSS) is like a rite of passage into adulthood. It marks your beginning as a full-fledged career professional. Consider yourself lucky because nowadays, most government transactions like the Pag-IBIG online registration can be done over the internet. No need to waste your precious time waiting in line just to register with a government agency. With Pag-IBIG online, it takes only a few minutes and several clicks to enroll as a member of the Pag-IBIG or Home Development Mutual Fund (HDMF). It’s a lot more convenient now compared to the manual registration that your parents and older siblings had to go through in the past. To make the process even easier for you, here’s a simple guide on how to apply for Pag-IBIG membership online. Table of ContentsWhat is Pag-IBIG Online Registration?Who Should Register for Pag-IBIG Membership?Mandated Pag-IBIG MembershipVoluntary Pag-IBIG MembershipPag-IBIG Membership BenefitsHow to Register Online in Pag-IBIGPag-IBIG Website Online Registration StepsPag-IBIG Online Registration FAQs1. What are the Pag-IBIG online application requirements?2. How to verify Pag-IBIG number?3. Does having a Pag-IBIG number mean I am already a member?4. How to create and log in to Pag-IBIG online account?5. How to update Pag-IBIG online membership?Final Thoughts What is Pag-IBIG Online Registration? Pag-IBIG online registration refers to the process of enrolling yourself as a Pag-IBIG Fund member. This involves submitting your information, generating your Member’s Data Form (MDF), and getting your Pag-IBIG Membership ID (MID) Number through the HDMF Online Registration System. Who Should Register for…

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Paternity Benefits in the Philippines: A Father’s Guide to Paternity Leave

Expecting a 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. And 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, specifically paternity leave in the Philippines, and their corresponding answers. Table of ContentsWhat Paternity Benefits Can I Claim?The Paternity Leave LawWho is Eligible for Paternity Leave?Paternity Leave RequirementsWhen Can I File a Paternity Leave?How to Apply for Paternity Leave in the PhilippinesIs Paternity Leave Convertible to Cash?What If an Employer Refuses to Give Paternity Benefit?Final Thoughts What Paternity Benefits Can I 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[1] 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 or Republic Act 8187[2]. The Paternity Leave Law Under RA 8187, 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…

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BM Online System Guide for Balik Manggagawa OFWs

Getting an Overseas Employment Certificate (OEC) or exit clearance can be a nightmare for many Overseas Filipino Workers (OFWs). OEC processing can take them an entire day lining up for hours and wasting precious time they could’ve spent with their families instead. It gets worse when OFWs come back home to spend Christmas holidays and attend school graduations. According to the Department of Labor and Employment, as many as 7,000 OFWs apply for an OEC per day during peak seasons. The result? Incredibly long lines at the Philippine Overseas Employment Administration (POEA) offices all over the country and thousands of frustrated OFWs. Are you a returning OFW? Save yourself from the stressful and tedious process of securing an OEC—use the Balik Manggagawa Online Processing System or BM Online[1]. Table of ContentsWhat is BM Online and Who Can Use It?Why Register via BM Online?How to Register for a BM Online AccountHow to Get and Pay for an OEC Online via the BM Online SystemHow to Set an OEC Appointment OnlineHere are the steps to schedule an online OEC appointment:How to Get an OEC Exemption OnlineHere are the steps to get an OEC exemption via BM Online:Final Thoughts What is BM Online and Who Can Use It? The BM Online is an online facility at the POEA website[2] that OFWs can use to get their OEC online anytime and anywhere in the comfort of their homes. No need to visit the Philippine Overseas Labor Office in their country of employment or line up at a POEA office or OEC processing center during…

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Quick Guide to SSS Calamity Loan Online

Due to the rising numbers of COVID-19 cases, the entire Luzon region was put on strict quarantine last March, causing businesses to temporarily shut down and many individuals losing their employment. Indeed, the past few months was challenging financially-speaking. Fortunately, SSS members can apply for an SSS Calamity Loan, a calamity assistance package that provides financial assistance to members affected by the pandemic and other declared calamities in the Philippines. Learn all about this calamity loan below. Table of ContentsWhat is the SSS Calamity Loan?Who can avail an SSS Calamity Loan?SSS Calamity Loan RequirementsHow much is the SSS Calamity Loan amount?How to Apply for the SSS Calamity Loan OnlineFollow these steps to apply for the SSS calamity loan online:SSS Calamity Loan Interest Rate and FeesIs the SSS Calamity Loan (CLAP) still available?How long is the SSS Calamity Loan Processing Time?Where can I pay my SSS Calamity Loan?I cannot pay my SSS Loan. What happens next?Final Thoughts What is the SSS Calamity Loan? Offered by the SSS or Social Security System, the SSS Calamity Assistance Program (CLAP) is for calamity-stricken members who are in need of financial aid. Below are the features and fees of this loan assistance program. Loan amount: Up to PHP 20,000 depending on your average monthly salary credit Interest rate: 10% but was recently reduced to 6% per annum Payment term: 24 months. The SSS, however, extended the SSS calamity loan payment term to 27 months. This means that loan payments will start on the fourth month after the date of loan approval. Service fee: 1% to be…

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Senior Citizen Discount and Benefits Plus Important Facts You Might Not Know

Is it more fun to be a senior citizen in the Philippines? It may seem so, especially now that the government provides elderly Filipinos with senior citizen discounts and benefits to help ease their finances in their golden years. As a millennial, you maybe 30 to 40 years away from enjoying such privileges, but it helps to learn about them now, especially if you’re looking after your parents or grandparents. Yes, they need your help in knowing and asserting their rights under the senior citizen law. To start off, here’s everything you need to know about senior citizen privileges in the Philippines. Table of ContentsWhat is the Senior Citizen Age?Senior Citizen Discount List in the PhilippinesList of Senior Citizen Discounts and VAT ExemptionsOther Mandatory Benefits of Senior CitizenList of Senior Citizen BenefitsWhat are the PhilHealth Benefits for Senior Citizens?What are the Death Benefits for Senior Citizens?What Other Senior Citizen Discounts and Benefits are Available?Discount on Meralco and Other Utility BillsDiscount on Certain GroceriesDiscount on GrabCar RidesDiscount on Jollibee and Other Fast Food ChainsDiscount on Domestic FlightsHow to Compute Senior Citizen Discount6 Facts about Senior Citizen Privileges You Might Not Know1. The Senior Citizen Law Applies Everywhere in the Philippines2. Elders Can Get a Senior Citizen Discount Using Any Valid ID3. An Authorized Representative May Claim the 20% Discount on a Senior’s Behalf4. The Senior Citizen Act Doesn’t Allow Double Discounts5. Seniors Enjoy Vehicle Coding Exemption and Free Parking in Certain Cities6. Seniors are Always a Priority in QueuesFinal Thoughts What is the Senior Citizen Age? The senior citizen age in…

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10 Helpful SSS Benefits You Might Not Know Of

The Social Security System or SSS is known for providing retirement benefits or pension to retired members. However, did you know that there are other SSS benefits you can enjoy even before retirement? Keep on reading to know more about these SSS benefits and how you can claim them. Table of ContentsWhat is SSS?How to Become an SSS MemberHow to Apply as an SSS Member via SSS BranchHow to Apply as an SSS Member OnlineHow Much is the SSS Contribution?Employed, Self-Employed, Voluntary Member, and Non-Working SpouseHousehold Employers and KasambahayOFWsSSS Benefits Members Must Know1. SSS Employees’ Compensation (EC) Program2. SSS Unemployment Benefits3. SSS PESO Fund Program4. SSS Salary Loan5. SSS Death Benefits6. SSS Funeral Benefits7. SSS Maternity Benefits8. SSS Disability Benefits9. SSS Sickness Benefits10. SSS Retirement BenefitsHow to Claim SSS BenefitsFinal Thoughts What is SSS? Established in 1957, the SSS is a government-run social insurance program for employees in the Philippines. The agency provides various benefits, including sickness, maternity, and even retirement to all registered members. To become an SSS member, you must be at least 15 years old. Employed and self-employed Filipinos, OFWs, and unemployed individuals can be an SSS member. How to Become an SSS Member To become an SSS member, you must get an SSS number by either visiting the nearest SSS Branch or going to the agency’s official website. Below are the steps to SSS member registration. How to Apply as an SSS Member via SSS Branch Accomplish the SS Form E-1 (Personal Record Form)[1] Submit a certified true copy of any of the following primary documents:…

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9 Pag-IBIG Benefits You Probably Didn’t Know Yet

The Pag-IBIG fund is known for its affordable housing loans. It allows members to get their dream house without having to pay hefty interest rates. However, did you know that there are other Pag-IBIG benefits you can claim? Keep on reading to learn about these benefits and how you can avail them. Table of ContentsWhat is Pag-IBIG Fund?How to Become a Pag-IBIG Member OnlineHow Much is the Pag-IBIG Contribution?Pag-IBIG Contribution for Employees and EmployersPag-IBIG Contribution for Self-EmployedPag-IBIG Contribution for OFWsPag-IBIG Benefits Summary for Contributing Members1. Pag-IBIG Savings Program2. Pag-IBIG MP2 Program3. Pag-IBIG Loyalty Card Plus4. Pag-IBIG Housing Loans5. Pag-IBIG Mortgage Redemption Insurance6. Pag-IBIG Calamity Loan7. Pag-IBIG Salary Loan8. Pag-IBIG Provident Benefits 9. Pag-IBIG Death BenefitsPag-IBIG Benefits ApplicationHow to Apply for Pag-IBIG Housing LoanHow to Apply for Pag-IBIG Calamity or Multi-Purpose LoanHow to Claim Pag-IBIG Provident or Death BenefitsWhat is the Pag-IBIG Fund Hotline?Final Thoughts What is Pag-IBIG Fund? Established in 1978, the Home Development Fund (HDMF) is a government-owned and controlled corporation under the Department of Human Settlement and Urban Development.  Popularly known as the Pag-IBIG Fund, the agency addresses affordable home financing for Filipinos. Apart from housing loans, members can also enjoy numerous Pag-IBIG benefits such as calamity and multi-purpose loans, provident benefits, and death benefits. How to Become a Pag-IBIG Member Online To register for membership, go to the Pag-IBIG website at www.pagibigfund.gov.ph. Click “E-services”. On the next page, select “Membership Registration” Type in your name and birthdate. This lets Pag-IBIG check their database and ensure you don’t have an existing membership with the agency. Enter the code at the…

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PhilHealth Benefits Guide for Regular and Voluntary Members

Unexpected expenses, like a sudden hospitalization, can put a huge dent on your savings. Fortunately, there are PhilHealth benefits we can take advantage of. The Philippine Health Insurance Corporation or PhilHealth is a government agency mandated to financially help Filipinos with their medical needs. As of 2015, about 88% of the country’s population are contributing members of the agency[1]. Members and their qualified dependents can avail of PhilHealth benefits as long as they meet the eligibility criteria. Keep on reading to know more about PhilHealth and the benefits you can get as a member. Table of ContentsWhat is PhilHealth and How Does It Work?What PhilHealth Benefits are Available?1. Inpatient benefits2. Outpatient benefits3. Z benefits4. SDG-related benefitsPhilHealth Benefits for Foreign Citizens and Dual CitizensHow to Apply for PhilHealth Membership? PhilHealth basic requirementsFor foreign retireesFor foreigners living or working in the PhilippinesFor Filipinos with dual citizenshipPhilHealth Contribution TablePhilHealth Contribution Table for 2020PhilHealth Contribution Table for 2021PhilHealth Contribution Table for 2022PhilHealth Contribution Table for 2023PhilHealth Contribution Table for 2024 onwardsPhilHealth Contribution for Voluntary MembersPhilHealth Annual Contributions for Foreign and Dual CitizensPhilHealth Benefits Eligibility and ApplicationHow to Claim Philhealth BenefitsStep 1: ConditionsStep 2: Required DocumentsStep 3: Claiming and Post-ClaimsFrequently Asked Questions About PhilHealth Benefits1. How many times can I use my PhilHealth benefits in a year?2. How much is covered by PhilHealth?3. Who can be my PhilHealth dependents?4. How Can I use my PhilHealth for dependents?5. Is MRI covered by PhilHealth?6. Is CT Scan covered by PhilHealth?7. Are there maternity benefits for pregnant women and newborns?8. Can senior citizens apply as PhilHealth members?9. What cases are not…

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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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