Loan program para sa mga SSS retirement pensioner

by Info @Buti na lang may SSS | Oct. 6, 2024

Dear SSS, 

Magandang araw! Nais kong ilapit ang nanay ko na retirement pensioner ng SSS. Mayroon bang iniaalok na loan program para sa mga pensioner nito. Magkano naman ang loanable amount at ilang taon itong babayaran? Salamat. — Luna

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Mabuting araw sa iyo, Luna! 

Bilang bahagi ng pagdiriwang ng Elderly Filipino Week ngayong taon ay ating tatalakayin ang Pension Loan Program (PLP).

Ang PLP ay isang loan program o pautang na binuksan noong Setyembre 2018 para sa mga retiradong pensyonado o retirement pensioners. Layunin ng nasabing programa ang makapagbigay ng tulong pinansyal sa pamamagitan ng isang pautang na may mas mababang interes. Batid naman natin na kailangan Luna, ng iyong ina at ng ating mga pensyonado ng karagdagang financial assistance para sa kanilang mga pangangailangang medikal, at iba pa. 

Dagdag pa rito, ang PLP ay nagsisilbing alternatibo sa mga private lending institution na nagbibigay din ng pautang na may mataas na interest rates at ginagamit na kolateral ang ATM cards ng mga pensyonado.

Upang makahiram sa ilalim ng PLP, kinakailangan lamang na matugunan niya ang mga sumusunod na kondisyon:

• hindi dapat hihigit sa 85 taong gulang sa katapusan ng termino ng pautang;

• walang ibinabawas sa kanyang buwanang pensyon, gaya ng natitirang balanse sa ibang pautang ng SSS o kaya’y sobrang benepisyong binayaran ng SSS;

• walang utang sa ilalim ng SSS Calamity Assistance Package (CAP); at

• tumatanggap na ng regular na pensyon na hindi bababa sa isang (1) buwan.

Online na ang pag-file ng application sa PLP sa mga ay first-time borrowers o magre-renew ng kanilang pension loan. Kinakailangan lamang na siya ay nakarehistro sa My.SSS na matatagpuan sa SSS website, www.sss.gov.ph. Kinakailangan ding ibigay ng iyong ina ang kanyang contact number o aktibong mobile number, kabilang ang kanyang SSS UMID-ATM o kaya’y ang Union Bank Quick Cash Card para dito.

Maaaring makahiram ng katumbas ng tatlo hanggang 12 beses ng kanyang tinatanggap na basic monthly pension (BMP) kasama ang P1,000 additional benefit na ibinigay noong 2017. Subalit, hindi ito hihigit sa P200,000 na siyang maximum loanable amount na ipinapahiram sa ilalim ng PLP. Dagdag pa rito, ang net take-home pension o matitira sa inyong buwanang pensyon ay hindi dapat bababa sa 47.25%.

Samantala, ang pension loan na katumbas ng tatlong beses ng inyong tinatanggap na buwanang pensyon ay babayaran ninyo sa loob ng anim na buwan; kung katumbas naman ng anim na beses ng inyong buwanang pensyon, maaari ninyo itong bayaran sa loob ng 12 buwan. Kung ang nahiram na pension loan ay katumbas ng siyam o 12 beses ng buwanang pensyon, maaari naman itong bayaran ng hanggang 24 buwan o sa loob ng dalawang taon. 

Ang isang kagandahan ng programang ito ay ang pagkakaroon ng credit life insurance ng borrowers. Kung sakali mang pumanaw ang nangutang na pensyonado at dahil dito ay hindi na nito maituloy ang pagbabayad ng kanyang loan, sa ilalim ng credit life insurance, babayaran ng isang insurance company ang natitirang utang ng pensyonado sa SSS.

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Patuloy na tumatanggap ng aplikasyon ang SSS para sa loan penalty condonation program nito.  Inilunsad ang Consolidation of Past Due Short-Term Member Loans with Condonation of Penalty Program (Conso Loan) para tulungan ang mga miyembro na mayroong past-due loans sa SSS. Sa ilalim ng programa, hindi na sisingilin ang kaukulang penalties o multa ng kanilang past-due loans. Sa halip, ang tangi na lamang nilang babayaran ay ang orihinal o principal amount at interes nito.

Maaaring bayaran ang prinsipal at interes sa pamamagitan ng one-time full payment, o kaya’y bayaran kahit 10% nito bilang down payment at ang natitirang balanse ay babayaran nang hulugan sa loob ng hanggang 60 buwan o limang taon, depende sa halaga ng kanilang pagkakautang.

Sakop ng Conso Loan ang salary loan, calamity loan, Salary Loan Early Renewal Program (SLERP), emergency loan, at restructured loans gaya ng Loan Restructuring Program (LRP) noong mga nakaraang taon.

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Upang makapagrehistro sa My.SSS, maaari kang magtungo sa SSS website (www.sss.gov.ph) at magparehistro sa Member portal. Kailangang punan mo ang lahat ng kinakailangang impormasyon. Tandaan na ang irerehistrong e-mail address ay kailangang aktibo at nagagamit pa dahil dito ipadadala ng SSS ang link para i-activate at magamit mo ang iyong My.SSS account. 

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Para sa tamang impormasyon at updates sa mga programa at benepisyo ng SSS, bisitahin at i-follow ang opisyal na Facebook page ng SSS sa “Philippine Social Security System - SSS” o sa X, ang dating Twitter, sa @PHLSSS. Maaari ring mag-subscribe sa YouTube channel sa “MYSSSPH”, at sumali sa SSS Viber Community, “MYSSSPH Updates”. Maaari kayong magpadala ng inyong concerns at katanungan sa usssaptayo@sss.gov.ph.

SSS inks agreement with Baguio City LGU for social security coverage of JO & COS workers

by Info @Brand Zone | Oct. 1, 2024

SSS and city government officials who witnessed the MOA signing are (from left) SSS Senior Vice President for Luzon Operations Group Antonio S. Argabioso, SSS Executive Vice President for Branch Operations Sector Voltaire P. Agas, Baguio City Accountant Fredda Jimenez and Baguio City Assistant Human Resource Management Officer Edith Dawaten.

Macasaet said that SSS continues to provide social security protection to fellow workers in government who are not covered by the Government Service Insurance System (GSIS) such as JO and COS workers.

Under the agreement, JO and COS workers of the city government will have access to SSS coverage by becoming self-employed members.

Macasaet explained that as SSS members, these temporary government workers will become entitled to various SSS benefits in times of contingencies such as sickness, maternity, disability, retirement, funeral and death, as well as to qualify for SSS loan programs like salary and calamity loans.

He added that they will also get additional benefits from the Employees’ Compensation (EC) Program for work-related sickness, injuries and death.

Moreover, Macasaet urged them to enroll and invest in the voluntary MySSS Pension Booster to boost their retirement fund.

He explained that the Baguio City LGU shall collect the monthly SSS contributions of the JO and COS workers through a salary deduction scheme and remit it to SSS Baguio Branch. “The amount of monthly contribution that they shall pay will be based on their corresponding Monthly Salary Credit, which is the salary levels being used to determine the amount of contributions and benefits of a worker.”

Currently, the minimum monthly contribution is P570 while the maximum amount is P4,230 per month, including contribution that of employees’ compensation.

SSS: Invitation to apply for eligibility and submit comparative proposal

by Info @Brand Zone | Oct. 1, 2024

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The Social Security System (SSS) today announced that its three service offices in Basilan, Jolo, and Tawi-Tawi can now better serve members by equipping it with a more efficient and faster satellite internet connectivity, particularly Starlink.

SSS President and Chief Executive Officer Rolando Ledesma Macasaet sealed a partnership with iOne Resources, Inc., Starlink’s local distributor, to provide high-speed internet connectivity to SSS service offices in remote areas.

Macasaet said that SSS initially procured Starlink satellite internet services initially to be implemented in 10 sites with iOne Resources, Inc. during a ceremonial turnover held at CityMall Tetuan in Zamboanga City.

“We purchased a three-year subscription for 10 sites to provide internet access to our services offices in areas with no available internet service providers or those with internet connectivity challenges,” Macasaet said.

Macasaet explained that three of the 10 identified sites have been deployed with the Starlink, namely: Basilan, Jolo, and Tawi-Tawi because internet connectivity is difficult in the islands.

He added that seven other sites will be installed with Starlink across the country in the upcoming days.

“Satellite internet technology is ideal for remote locations with a clear line of sight. It can deliver high internet speed from 100 to 200 Mbps with low latency of 25 to 60, ensuring swift data transfers in branch operations,” Macasaet added.

Moreover, Macasaet said that SSS plans to partner with other internet service providers in the country to help its branch and services offices overcome the challenges of internet connectivity, saying, “Internet access has become a necessity since most of SSS services are already available online.”

“With this project, SSS is looking forward to improving its IT infrastructure to boost its system’s uptime and provide more reliable online services to our members, employers, and pensioners,” Macasaet concluded.  

Elon Musk’s Starlink introduced satellite internet technology in the Philippines last year and was first rolled out in Metro Manila.