RTU Rizal Technological University Won 300K Pesos + Gadgets from Eat Bulaga
A huge CONGRATS to Dennis and Dhang of the Rizal Technological University (RTU) for winning the Intercollegiate Edition of the Pinoy Henyo contest of EAT BULAGA. I’m a big fan of the show, so I like to congratulate them on my blog.
Bloggers Who Plagiarize
It’s sad that a number of bloggers plagiarize. They just copy and paste. They steal the work of other bloggers.
Can I Bring a Guitar on a Plane to Canada from the Philippines?
Can we carry a guitar on a plane from the Philippines to Canada?
Renovation of NAIA Toilets Also Good for OFWs
The three-month deadline imposed by MIAA GM Jose Angel Honrado upon himself to make
the NAIA toilets clean and supplied with water, soap and toilet paper is good news not only for tourist but also for OFWs and their families.
Home Sonic Appliances Using PLDT in Their Deceitful Marketing Scheme
This morning, someone who identified herself as Patricia Aguilar called me through my PLDT
No Philhealth Payments Prior, No Philhealth Benefits
Update as of August 19, 2011: Hindi natuloy ang implementation ng announced change from 3-month to 9-month prior payment requirement last July 1, 2011. Nasa discussion pa. Pero yong mga dati nang 9-month-requirement like maternity cases ay 9-month-requirement pa rin.
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After resigning from your company to become self-employed, one of the first things you should do is to become a voluntary member of Philhealth. Once you miss paying the required number of months prior to hospitalization, you’ll not be able to claim health benefits, even if you’ve been a member of Philhealth for many years.
If you’re hospitalized and you make a Philhealth claim, Philhealth will check if you’ve paid at least three months of premium within the six-month period immediately prior to your confinement. For example, if you’re confined in October, your prior six-month period is April to September. Within this six-month period, you should have paid at least three months of premiums.
Starting July 2011, the prior-payment requirement is no longer three months — it has been increased to NINE months. This means you should have paid your Philhealth premiums for at least 9 months within the 12-month period prior to the month of your hospitalization.
For pregnancy cases, chemotherapy, radiotherapy, dialysis (except emergency dialysis during confinement) and major surgical procedures, the requirement is payment of at least nine monthly premiums within the 12-month period immediately prior to hospitalization. For example, if you’re hospitalized in October, the prior 12-month period is October 2009 to September 2010. Within this 12-month period, you should have paid at least nine monthly premiums.
Retroactive payments are not allowed, meaning you can’t pay for months missed just to fulfill the required number of paid premiums.
One of the people who commented in another Philhealth article, Eli, has related his sad experience of not being able to use Philhealth:
“Last April I resigned from my work. Now this October manganganak si misis ko and added my wife as my dependent for my philhealth (she was not a previous member so wlang conflict).. Then siyempre to be able to use my philhealth gusto ko bayaran ung mga hindi ko nabayarang buwan. Ang sabi ng taga philhealth office hindi ko na daw pwedeng bayaran ung previous months ko since malaki daw kasi ung gap (6 months starting from April)at hindi daw ppwede ang retroactive payments. then tinanog ko kung ano lang ang pwedeng mabayaran ko. Ang sabi sa akin, ang pwede ko lang daw mabayarang ay ung months from October to Decembber. Tinanong ko din kung what if bayaran ko ung october to december eh magagamit ko ba ung philhealth sa panganganak ng misis ko. Ang sabi sa akin hindi daw ppwede kasi kailangan maghintay pa ng 6 months (parang new member, LOL). So ayun, last October nanganak si misis ng CS at hindi ko manlang napakinabangang ang LIMANG TAON kong pagiging member just because I was unable to pay continously at nagkaron na ng gap ng 2 quarters.
Kaya to all members na nagresign, nalay-off, or anything related to this kind of scenario. I suggest na asikasuhin ninyo agad ang contributions ninyo and pay as VOLUNTARY MEMBER.”
Related article:
Philhealth Branches — Membership Reactivation
A Response from Former Senator Rene Espina About Ideal Pension Plans
In the September 9, 2008 list of licensed pre-need firms released by the SEC, former Senator Rene G. Espina was listed as chairman of Ideal Pension Plans Corp. (IPPC). In the January 28, 2009 list, IPPC was no longer among the licensed pre-need firms.
From time to time, I get inquiries about Ideal Pension Plans, as many of my blog posts are about another pre-need firm Danvil Plans.
Last week, I received from Juni, an Ideal agent in Mindanao, a copy of a Notice of Hearing from the Makati Regional Trial Court for the petition by Ideal Pension Plans for voluntary insolvency. The copy is posted here:
Ideal Pension Plans Corp. Planholders — Time to Unite
Juni said he wrote an email to former Senator Espina inquiring about the status of Ideal Pension Plans. In his email, Juni also wrote about how he has been following up on Ideal, how his wife and brother traveled to Manila just to check into what’s happening at Ideal.
With a lot of planholders Juni and his family have sold plans to, the weight of the Ideal collapse rests heavy and painful on his shoulders. It’s a harrowing situation.
I myself sold two big CAP plans years ago, and this is something I want to erase from my mind. I thank the Lord though because these CAP clients understood my situation and never took the CAP failure against me. They’ve informed me last year that there’s hope they’re getting a portion of what they’ve paid.
Following is the response of former Senator Espina to Juni’s email: (Juni said Senator Espina gave permission for the posting of this letter.)
Thank you very much for your high regard for me. I regret very much that I was not able to protect the interests of the plan holders.
I lost my own investment in Ideal but that is the least. What I regret the most is losing my own good reputation which I value more than money. I do not and never did control IPPC. I was just a minority shareholder and the majority stock of the Gabriel family-mother, daughter, sisters and their friends are the majority shareholders.
Said controlling stockholders have mismanaged the corporation by running it like a family corporation and issuing several checks signed by mother and daughter which until the present time I could not audit inspite of the fact that I hired the services of Valdez and Company CPAs. IPPC has filed voluntary bankruptcy proceedings at the Makati RTC.
I will further update you further about IPPC…
Best regards,
Rene Espina
For Ideal Pension planholders, the hearing for Ideal’s petition for voluntary insolvency is on October 5, 2010 at 8:30 am at the 12th floor of the Makati City Hall.
Comment ko lang: What really is voluntary insolvency? Is this just a very convenient way of using the court to hide from responsibilities to planholders?
Ideal Pension Plans Corporation Planholders — Time to Unite
There have been several planholders of Ideal Pension Plans who have been asking about the status of their pre-need firm. I’ve also read in other forums complaints about the failure of Ideal Pension Plans to pay maturing benefits and claims.
My answer was always about the need for Ideal planholders to connect with each other online and talk about how they can pursue their claims. I’ve even suggested that if they’re interested, I can email those who made comments here about Ideal and ask if they like to exchange email addresses.
Now, one Ideal Pension planholder, Juni, has placed on the comment section a notice he said it came from the Makati Regional Trial Court. And he’s calling for all Ideal Pension planholders to unite, help each other and show their power during the hearing on October 5, 2010.
Comments From Juni:
Hi all! I just received a NOTICE OF HEARING from the Regional Trial Court, National Capital Judicial Region, Branch 66, Makati City which states:
In the matter of the petition for VOLUNTARY INSOLVENCY of IDEAL PENSION PLANS CORP.
IDEAL PENSION PLANS, Petitioner.
Notice of Hearing for: Meeting of all all IDEAL CREDITORS
You are hereby notified that the above-entitled case will be heard before this Court, located at the 12th Floor, Makati City Hall Building, on the 5th day of October 2010 at 8:30 am, at which date, time and place, you or your duly authorized representative may appear for the selection of assignee and to prove through written evidence your respective claims, without which, it shall not be admitted.
City of Makati, August 23, 2010.
SGD. ATTY. JOHN IVAN B. TABLIZO
Branch Clerk of Court
I hope that this time we will be one and united to press Ideal to give us what is legally due us. Hope everyone could come.
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According to online SEC records, Ideal Pension Plans Corp. was licensed to sell pre-need plans until December 31, 2008. In the SEC pre-need list as of September 9, 2008, Ideal Pension was listed, but in the SEC list as of January 2009, Ideal was no longer on the list.
Now, Ideal planholders, you have a chance to make your demands together. Bring xerox and original copies of your Ideal pre-need policies, but guard your original copies. There’s POWER in number. The more planholders at the hearing, the better.
Those who can visit the Makati City Hall and check if there are changes in the notice, it is for everyone’s good if they can do so, and then inform other planholders.
Comments by Ideal planholders can also be found here:
Pre-need Companies in the Philippines Now Under the Insurance Commission
Danvil Plans,Other Pre-Need Firms — Updates
Update from Nori on Ideal Pension Plans as of March 13, 2011: (Thanks a lot, Nori)
Next hearing is on March 18, 2011, Friday at 9:00 am sa RTC Makati Branch 66.
Under liquidation na po ang Ideal. The court is in the process of approving the liquidation plan. Kailan makukuha ang pera? Di po natin masasabi. It could be months or even years from now. Huwag po tayong mag expect na makukuha natin ng buo ang contract price. Approximately 20% lang makukuha. Depende sa mabebentang ari-arian ng court appointed liquidator, baka mas malaki o mas maliit ang makukuha.
Related Articles:
Planholders of Platinum Plans, Ideal Pension Plans, Grayline Plans — Who Will Fight for Them?
Pre-Need Planholders — How to Ask Help from the Insurance Commission
UPS Uninterruptible Power Supply for Freelance Writers
A UPS or an uninterruptible power supply is helpful for home-based freelance writers in the Philippines where brownouts are part of life.
I bought this one on the picture from CD-R King, where some of the cheapest electronic supplies are sold, and it has been helpful. It gives me up to 15 minutes of time to save my files or send a rush email before the PC finally gives out.
This UPS also has a voltage regulator, so it’s two-in-one. The white power strip beside it is also helpful and saves bits of electricity. PCs still use electricity even if they’re off but unplugged from the electric outlet. With the power strip, you don’t have to unplug anything everytime you stop working on your PC.
Related posts:
Freelance Writers — $5 Per 400- to 500-Word Article
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