All Articles With Category : Government Services

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

Quick Guide to to DFA Passport Appointment, Application, and Renewal

A Philippine passport is your ticket to the world. It’s the most important document you’ll need if you wish to study, work, or travel overseas. It’s also a powerful identification card that you can use in private- and government-related transactions. However, getting or renewing a Philippine passport through the Department of Foreign Affairs (DFA) can be tricky. DFA passport appointment slots are limited. Securing an appointment now feels like winning the lottery due to the shortage of slots in the online scheduling system. But a passport is a passport and we all need it to go overseas. Lessen the stress of getting a Philippine passport with our quick and easy guide. Table of Contents1. Schedule a DFA Passport Appointment OnlineHow to Make a Passport Appointment OnlineThings to Remember Before Scheduling Your DFA Passport Appointment2. Pay the Passport Processing FeeThings to Remember Before Paying the Passport Fee3. Prepare the Passport RequirementsValid ID (original and photocopy)Birth Certificate (original and photocopy)Supporting Documents4. Show Up on Your DFA Passport Appointment ScheduleDFA Passport Application/Renewal Steps5. Claim Your Passport and Wait for DeliveryFAQs on DFA Passport Appointment, Application, and Renewal1. Can I cancel or reschedule my appointment?2. Do I still need to book an appointment if I get my passport through a travel agency?3. How do I renew my passport?4. Is NBI clearance accepted as a valid ID for passport application?5. When will my passport arrive?6. How long can I use my passport?Final Thoughts 1. Schedule a DFA Passport Appointment Online All Philippine passport applicants—whether for new application or renewal—must book an appointment with the DFA…

Read the Article

SSS Pension Computation: How Much Will You Receive When You Retire?

It’s better to just set things straight away: the pension you’ll receive from SSS won’t be enough to fund your retirement plan. As early as now, you should be investing in a retirement savings plan to provide your future self enough money to continue living beyond 60 years. Having said that, you should still learn how to compute your SSS pension since it will become a consistent source of income when you’re past your prime. The amount you’ll receive may not be ideal for an extravagant lifestyle, but it’s better than not having a fallback. And with the recent passing of RA 11199 or the Social Security Act of 2018, SSS increased the monthly contribution by 12% to provide better pension and benefits for SSS members. “It is high time to adjust the contribution rates and monthly salary credits of SSS to allow members to save more for their retirement,” SSS OIC Aurora C. Ignacio said in a statement[1]. How will the recent contribution hike affect your SSS pension in the future? Prepare your calculators and start planning the future with this helpful SSS pension computation guide. Table of ContentsHow SSS Pension is ComputedManual SSS Pension ComputationOnline SSS Pension CalculatorQualifications for SSS Retirement BenefitsHow You Will Receive Your SSS PensionReceive More Than Your SSS PensionFinal Thoughts How SSS Pension is Computed Manual SSS Pension Computation The amount of your pension will depend largely on your paid contributions, your number of active years as an SSS member, and the number of dependent minor children you have. Retirees are entitled to an…

Read the Article

PRC Online Application: 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. The PRC online services you can avail include licensure exam application, initial registration for issuing of license/PRC ID, and license renewal. Here’s a quick guide to help you transact with the PRN online minus the hassle. Table of ContentsHow to Register for PRC Online AccountPRC Online Registration RequirementsPRC Online Registration StepsPRC Online Exam Application StepsHere’s how to apply for the PRC exam online:PRC Online Application for Initial Registration StepsHere’s how new board passers can file their application for PRC ID online:Online Application for PRC ID Renewal StepsHere’s how to apply for online PRC ID renewal:PRC Online Application for Certifications of Board Rating and PassingHere’s how to file your online application for the Certificate of Board Rating and Passing:Where to Pay for PRC Online ServicesReminders When Using PRC Online Services1. Set Your Appointment Date in Advance2. Beware of Fixers3. Email the PRC for Questions or ConcernsFinal Thoughts How to Register for PRC Online Account To start your PRC online application, you need to register for an account first. PRC Online Registration Requirements Active email address Mobile number Personal information, including education and employment details Recent 2×2 ID photo (in JPG format and plain white background, with the applicant wearing decent attire with a collar) Valid ID PRC Online Registration Steps Visit the PRC LERIS website. If you have an account…

Read the Article

DTI Business Registration Guide for Entrepreneurs in the Philippines

What’s in a name? In a business, it means a lot. Your business name is your company’s branding, so it should catch attention and can be easily recalled. Aside from spending time coming up with a name for your new business, you also need to register it with the Department of Trade and Industry (DTI), if you’re a sole proprietor. Table of ContentsWhy You Need to Register Your Business Name with DTIWho Can Apply for DTI Business Registration?Tips on Choosing Your Business NameDTI Business Registration RequirementsHow to Register Your Business Name with DTIOnline Application for DTI Business RegistrationWalk-in / Over-the-Counter Application for DTI Business RegistrationFinal Thoughts Why You Need to Register Your Business Name with DTI Business name registration is required in the Philippines. According to the Business Name Law (Republic Act 3883), it’s illegal for anyone to use any name for a business other than the owner’s true name without first registering the business name with the DTI. In short, securing your trade name will guarantee you the legal and exclusive right to use it within its validity period (renewable every five years). This means no other business can register or use your business name in the barangay, city or municipality, region, or country, depending on your business location coverage. However, note that business name registration with the DTI is only for sole proprietors and not a license to run a business (You’ll need to secure a business permit and other related documents for that purpose). Lucky for you, we’ve prepared a guide to DTI business registration in the…

Read the Article

Pag-IBIG Acquired Assets: Complete Guide to Buying 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 You Buy a Pag-IBIG Acquired Asset?How to Find the List of Pag-IBIG Acquired Assets for SaleSteps to View the List of Acquired Properties Under Negotiated SaleSteps 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 PropertyPayment ModeDiscount RatePayment Term2. Submit the Requirements for Purchase of Pag-IBIG Acquired Assets (For Housing Loan Only)3. Receive the Notice of Approval of Loan4. Sign and Submit Mortgage Documents5. Make Your PaymentTips for Buyers of Pag-IBIG Foreclosed PropertiesInspect the Property FirstBe Personally Present During ReservationTransact with Pag-IBIG Employees OnlyAvoid 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…

Read the Article

NBI Clearance Online Application: A Simple Step-by-Step Guide

This article was published on March 29, 2019 and was updated on January 17, 2019. The NBI clearance application used to be a tedious and time-consuming process. Remember how you endured long lines and spent almost an entire day to get that all-important piece of paper? The experience would get worse if you had a hit, which meant you’d have to bear the agony of waiting and the hassle of returning to finally pick up your clearance. But thankfully, that’s already a thing of the past. The NBI has gone digital and improved the way it handles NBI clearance applications in the Philippines. You just need a desktop or mobile device and an internet connection to apply for a clearance in the comforts of your home. Read More: NBI Renewal Guide: How to Renew Your NBI Clearance Save time and ensure successful processing of your clearance with the help of this guide to NBI Clearance online application. Table of ContentsNBI Clearance RequirementsAt least two valid government-issued IDs, which can be any of the following:Make sure to bring only valid IDs that meet the following NBI clearance requirements:How to Get an NBI Clearance OnlineStep 1: NBI Clearance Online Account RegistrationStep 2: NBI Clearance Online AppointmentStep 3: Pay Your NBI Clearance FeesStep 4: NBI Clearance Online Application ProcessingFinal Thoughts NBI Clearance Requirements At least two valid government-issued IDs, which can be any of the following: Passport PRC card UMID PSA-issued birth certificate Voter’s ID PhilHealth ID TIN ID Driver’s license Old copy of NBI Clearance Postal ID School ID Alien Certificate of…

Read the Article

BM Online System: A Balik Manggagawa OFW’s Guide

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 via BM OnlineHow to Set an OEC Appointment OnlineHere are the steps to schedule an OEC appointment online: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 their…

Read the Article

How to Get an OFW e-Card: Guide to OFW ID Card Application

With the launch of the new OFW ID card (called the OFW e-CARD) in November 2018, the horror of getting an Overseas Employment Certificate (OEC) might just soon be over for OFWs. Filipinos working abroad can also expect smoother and faster transactions with different government agencies. Interested in getting an OFW e-CARD? Let this simple guide help you in your application process. Table of ContentsWhat is OFW e-CARD?What are the Benefits of OFW e-Card?Who Can Get an OWWA OFW ID?How to Get OFW ID CardOFW e-Card Online Application StepsHow to Track OFW e-Card Delivery StatusFinal Thoughts What is OFW e-CARD? The OFW e-CARD is a new identification card that serves as a proof of membership to the Overseas Workers Welfare Administration (OWWA) and an OEC for OFWs. It replaces the previously issued iDOLE OFW ID card, which was controversial for its confusing guidelines[1] and bearing a photo of President Rodrigo Duterte. OFWs can use their e-CARD to avail of OWWA programs and services. Simply present the ID card at the OWWA Regional Welfare Office, Philippine Overseas Labor Office (POLO), Department of Foreign Affairs, Philippine Overseas Employment Administration (POEA), Bureau of Immigration, and Philippine embassies or consulates in their respective countries of employment. What are the Benefits of OFW e-Card? Having the new OFW ID card will make life easier for Filipinos working abroad. Here are OFW e-CARD benefits to expect: Easier access to OWWA programs and services such as social benefits, training programs, and scholarships with fewer documentary requirements Serves as an OEC or exit clearance at the airport, proving the owner’s legal…

Read the Article

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…

Read the Article

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….

Read the Article

UMID Card Application: Easy Steps and Important Things to Know

Updated November 20, 2019 These days, integration into a single system is a trend. It matters to a lot of people that they have a single ID available to them at any given time. Plenty of websites for example, include single sign-in or sign-up processes via Facebook integration or Google+. By the same token, the Philippine government has essentially attempted to integrate a member’s SSS, GSIS, Pag-Ibig, and PhilHealth information onto a single card in the form of the UMID Card. Table of ContentsWhat is a UMID?1. 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 What is a UMID? UMID means Unified Multi-purpose Identification and often called UMID Card. 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…

Read the Article

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….

Read the Article

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 –…

Read the Article

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…

Read the Article

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…

Read the Article

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…

Read the Article

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…

Read the Article

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…

Read the Article

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…

Read the Article

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…

Read the Article

Compare the best deals in just one minute!