Puedeng ito na ang last SSS loan condonation program bago ka mag-retire, so dapat mag-avail ka na, kasi wala tayong kawala sa SSS loan natin. Kukunin at kukunin ng SSS ang bayad ng loan. When it’s time to file your retirement claim, at hindi mo pa nabayaran ang iyong loan, kukunin muna ng SSS ang […]
Philhealth Eligibility Back to 9 Over 12 Months
9 Monthly Contributions na ang requirement for Philhealth eligibility! Effective October 1, 2018 required na ang payment of 9 monthly contributions within the past 12 months para maka-avail ng Philhealth coverage. So dapat tuluy-tuloy na ang pagbayad ng Philhealth contributions para laging eligible sa Philhealth coverage. Pay your premiums every month, or every quarter, […]
Beware, There Was Kobe Bryant and Lenovo, and Now It’s Stephen Curry and Vivo
Kobe Bryant and Lenovo, Stephen Curry and Vivo smartphones Beware when you get a 2-year smartphone plan that offers Kobe Bryant’s Lenovo or Stephen Curry’s Vivo or new smart phones with previously unknown brands. Are these phones durable? Are there really long-time-operating repair shops for these phones in the Philippines? Have you heard of celebrities advocating […]
How Much Is His SSS Pension? Paid 280 Months at Maximum
Ramir wrote his message about SSS pension computation: “Hi, I’ve paid more than 280 months at maximum. How much will be my lump sum for 18 months?” My short reply is 137,800 pesos. Please remember this is NOT ACCURATE. It’s only my estimate. Surely the CYS I used is not accurate. The CYS formula […]
Layman’s Notes on Forced Leave in the Philippines
We get a lot of inquiries on Forced Leave here on this blog, so although we’re not lawyers or labor law experts, we will try to present notes in reply to these inquiries. We re-visited our research on Forced Leave in the Philippines that we started in 2009, when I wrote about my personal experiences with […]
SSS Pension Adjustment for 1985-1989 Still Ongoing
More than 154,000 SSS retiree pensioners have received their SSS pension adjustments as of June 2016, according to the SSS. Total of adjustments released was 7.21 billion pesos. These adjustments arose from the system upgrade in 1986 that affected the posting of 1985 to 1989 member contributions. For SSS death pensioners or survivor pensioners and […]
Magna Carta Special Leave Benefit for Women Employees
Updated June 6, 2018 You are qualified for the Magna Carta Special Leave Benefit for Surgery to Treat a Gynecological Disorder if: You are a woman (single, separated or married, any age) You are employed (private or public sector) You have been employed by your current employer for the last 12 months PRIOR to your […]
Live-In Relationship Also Stops SSS Pension
It’s not only remarriage that will stop the SSS pension of an SSS death pensioner. Cohabitation or living together with another person like husband and wife will also stop the SSS pension. A lot of people think only remarriage will stop the SSS pension, based on the SSS law that defines the beneficiary […]
How to Check your Estimated SSS Pension Online
If you have an online SSS account, you can check your estimated SSS pension online. This estimate is not final; it will change as you continue to pay your contributions to SSS. To check your estimated pension, you will use your online SSS account, so if you have not yet registered with the SSS […]
Can Filipino Immigrants Claim Their Philippine SSS Pension?
Updated March 19, 2018 Yes, Filipino immigrants can claim their Philippine SSS pension when they turn 60 years old. Yes, even if they’re already naturalized citizens of another country. Below are notes relevant to Filipino immigrants claiming their Philippine SSS pension. 1. SSS retirement claim instructions in the SSS Guidebook include the following: For members […]
Pag-ibig MP2 or SSS PESO? Which Is a Better Savings Scheme?
Updated March 5, 2018 Pag-ibig MP2 was launched in February 2010 as an enhanced Pag-ibig savings program for all Pag-ibig 1 members. SSS Flexi-Fund was launched in May 2002 as a savings program exclusively for OFWs. In May 2015, SSS launched another savings program called PESO, which stands for Personal Equity and Savings Option, and this time, it […]
SSS Pension Adjustment for 1985 to 1989
This is to respond to lots of questions sent to us about SSS pension adjustment for 1985 to 1989. We’re not from SSS, but we based our responses on sources listed at the bottom of this blog post. We could be wrong, so to be sure, you can ask SSS directly. Why is there […]
Compare Pre-Need, Pag-ibig MP2, SSS Flexi-Fund
Where can parents save for their children’s college education? Many pre-need firms in the Philippines have collapsed. Where can we save and invest? So we will have money for our kids’ college tuition? There are investments like stocks, mutual funds and bonds, but we must learn about how they work first. If you want to […]
SSS Flexi-Fund vs. Pag-ibig MP2 — Which Is a Better Investment?
Updated June 2, 2014: Both SSS Flexi-Fund and Modified Pag-ibig 2 (MP2) are savings programs offered by government agencies. Both offer interest rates higher than those offered by banks for savings accounts and time deposits. Both programs are guaranteed by the Philippine government. Both are tax-free. Total savings plus their dividend or interest earnings are tax-free. Both […]
Save Money with Modified Pag-ibig 2, Get Higher Earnings
Updated February 12, 2018 You want to save and grow your money? Modified Pag-ibig 2 or MP2 is a great savings plan. It has advantages over regular savings accounts, time deposits, or pre-need plans. Any Pag-ibig 1 member can save with MP2.
Your Unfaithful Spouse Can Claim Your Pag-ibig Death Benefits
It’s so sad to know that your spouse who cheated on you, or who abandoned you, or who left you to support his or her new family can claim your Pag-ibig death benefits in case you die first. Ganon? Yes. Why is it like that? Because the Pag-ibig charter does not consider situations such as […]
Hello, I'm Nora. 
Sorry I was not able to respond to your questions these past few months. I went home to my province to care for my mother in the hospital and at home. She has recovered. I thank God for all His miracles and blessings.