Hurry up......

This blog does not answer questions on ...
why is a transaction taking long?  or how long does it take to get this and that claim
or how come this transaction is so and so....

so please do not answer such questions such as these

as for asking what time a branch opens -
there is a post on that -
and that is all there is to it - i will not answer questions
if you need to know, call the branch
you will find the directory in the website

this is also not a complaint board against SSS
this is a private blog

so thanks

just remember, sss is strict about deadlines and cutoffs

Getting your deceased spouse's pension

Someone texted me asking for clarification regarding the transfer of a deceased spouse's pension.

They thought the pension of the deceased member would be transferred to the spouse if only if  the spouse was also retired.

So.  This is not correct.

If a member is married, and dies - after contributing at least 36 monthly contributions, the spouse would get a pension.  If a member is married, and is already a pensioner, the spouse gets his pension in full if there is no minor children.

Asking someone to pay for your SS Contributions

A reader asked why her mother's contribution payments were not being displayed upon inquiry...

well, first of all, i hope that whoever they asked to pay her contributions was honest and trustworthy.

Given that the actual payor is honest, perhaps they should check the receipt and marked  (or in ye olde days, franked)  SBR that the SS number is correct.

If the SS number placed in the SBR is wrong, the payment would be unposted, that is - it will not be recorded as part of the member records.  If this happened, all is not lost, as the SBRs can be brought to SS as proof of payment, and SS will post the payments.  Make sure that you give SS copies only and that you keep the originals.  Never give up your originals.

This is the reason that I inform everyone that when you make payments, make sure that they are posted.  Even if you correctly wrote the number, you have to make sure SS posted it correctly.

Now, if there was no real payment - then, the question becomes - can she still pay.  If she is currently 59, then she still pay, since she is below 60.  Her pension will be given after she has paid 120 contributions, that is - after 10 years.  So her pension will start when she is 69.

If she had been 60 - then she can no longer be eligible.

I hope this clarifies matters.

SSS UPDATE

Atty. Emmanuel F. Dooc is the new  SSS President and CEO.

It remains to be seen if the new PCEO will change things around in the SSS.  He may make changes that will address issues in the existing system.  No institution is perfect, and if there is something to change or improve, I hope that he does address it.

If you were he, what would you change .......  and why?

Some SSS benefits are privileges, not rights

one lady posted to complain about their sickness claim application, saying they did a lot of things to comply with the requirements only to find out the claim was denied because of ineligibility.

it must be remembered that sss is mainly a retirement benefit, all other benefits are privileges, or just add-ons, thanks to the goodness of SSS.  people keep bad mouthing SSS, but really, there are many benefits tacked on to the original retirement plan.  imagine, the pension even passes on to the spouse. for example,  you dont see this happening, say in the US.

being granted a loan is another privilege. there are rules regarding loans.  eligibility, and payment terms. eligibility requires at least 36 months for a month, and 72 for 2 months - and the basis is the MSC (monthly salary credit).  payment terms include when a loan can be renewed. just as a refresher, one can renew a loan only after 50% of the loan has been paid, or at least 50% of the term has passed - whichever is longer.  it cannot be shortened by double paying - and the payments must already be posted by SSS - which is different from when it was actually paid.  SSS is NOT a bank, therefore, its transactions are NOT online, real-time.  SSS transactions are BATCHED.

because many of these benefits are privileges, they are available only for active members.  Active members are currently paying members.  also, as sss members - you MUST know your rights, and your privileges and do not confuse either, or both.

know the requirements, and do not blindly do things - and then be angry if you do unnecessary things.

Not all pensioners are entitled to adjustments

Some pensioners think they are entitled to an adjustment just because they are pensioners.

For your information, not all pensioners are supposed to receive adjustments.
First of all, they should have been working during the years 1985-1989 to be entitled.
If they were already receiving a pension then, then they are NOT going to receive any adjustments.

Some pensioners received their pensions through a manually verified process. These pensioners would also not be eligible for any adjustments because their pensions have already been doubly validated and calculated.

Also, some pensioners although working during those years did not work sufficient number of months in any given year to be considered a year of contributions, and therefore any additional contributions will not add to the computation.

So, temper your expectations please.

Some answers to questions

ang tatay ko po ay 78 yrs old nakapag hulog sya sa SSS ng 120 months late 1970's magmula nun hinde na po nya nahulugan.tanong ko po may pension parin po ba sya makukuha? 

For as long as your Dad satisfies the 120 months eligibility requirements, he will have a pension.  His pension should start 6 months after the last payment

54 months na po ako nakapaghulog ng contribution ko na nagend last year January 2015 dahil tumigil po ako sa pagwork at hindi na po ako nakapahulog until this time. Pregnant po ako and my EDD is on October this year. Ask ko lang po if pwede ko po bayaran yung missed monthly payments for me to avail the maternity benefit. 

No retroactive payments allowed, so the answer is NO.

ang mother ko po 60 years old n next year..ngverify po kmi ng contribution nya is 31 monthz pla meaning kulang pa po xa ng 89 monthz..nhinto po kz xa z pghuhulog seen nwwlan xa ng work..anu po pwd nming gwin pra mreach ang 120 mons. Sa loob lng ng izang taon Pra ma-avail for pension??zana mtulungan nyo po ako.. 

Retroactive payments are not allowed so you can only pay forward, this means your mother will not get a pension until after 89+6 months

i was employed at private sector more than 2 years prior to joining govt service with 13 years of service am i qualified for portability law on retirement? also i stop paying SSS premiums can i continue as a member till i reach age 60 to be eligible for pension? i am 54 yrs old 

yes, you will qualify for the portability.

magfifile po ako ng maternity loan. and one of the requirements is L-501. is it necessary po for me if i am not currently working now. and i already resigned to my previous employer?

SSS does not offer maternity loans.

Gaano katagal maActivate ulit yung sss supended pension after mag pass ng ACOP's form sa abroad? 

Depends on when the ACOP was finally accomplished, and depends on the list of things the branch has to do

Good day, tanong ko lang po.. 2 yrs na kasi ako hindi nakabayad ng loan ko mula ng mag resign ako at mag abroad,,, pwed ko pa bang bayaran ng buo pag uwi ko? 

yes, you can pay when you return

Answers to some questions

I've asked people not to ask/comment on certain posts because the q/a portion is already very long and is quite difficult to navigate but some people are stubborn;  Some people do not even read the posts - they just ask.  Ah well, here goes 

hi I just want to ask if im lacking contributions can I pay sss voluntary in order to get a loan? on New SSS Salary 

yes, you can.

Good day Ma'am! Nag apply po ako as Self employed member/ VM,I forgot. since the application, I was not able to pay my contribution. Can I still pay contribution for 3 yrs? thank you on Have you stopped paying your SSS contributions? You can continue -

yes, you can. anyone can continue paying contributions.

paano makikita ang record ko sa sss?kasi nawala ng sss id ko. on Have you stopped paying your SSS contributions? You can continue - no swea

you can go to the nearest SSS office with at least two government IDs and you can ask for your Ss number from the front-line SS employee

Hi po. My last payment po last year is nung May pa, but nakapaghulog na po ako this year from jan-april and continue ko na po syang babayaran until makapanganak ako.. Ask ko lang po sana if pwede ko pa pong mabayaran yung June-Dec ko last year, para po sana makadagdag sa maternity benefit ko.. My due date po is on Aug.. thanks po. on Have you stopped paying your SSS contributions? You can continue - no

Basics of the SSS:  Contributions are payable either end of the following month, or if paying by quarter, the the month following the third month.  For example, January contributions are payable in February.  Or, January -March contributions are payable in April.  The exact sked depends on the SS number.  All other payments are not acceptable unless one is an OFW.

Thus, the answer to her query is NO. The June-Dec contributions are therefore already late and NOT acceptable.

Goodpm po Yung father ko po na stop mag work this feb. 58yrs old n po sya. Pede n po ba sya mag pension ngayon? O kailangan po 60 yrs old pa? 20 years n po syang naghuhulog sa sss. Thanks po on Have you stopped paying your SSS contributions? You can continue - no 

Optional Retirement is at age 60. Mandatory retirement is at age 65.  No other age.

I have answered this many times already. As long as a member has already paid at least 120 contributions, he does not need to continue paying.  However, if he is employed; his employer is obliged to pay for his SS until age 65.  If he continues to work beyond age 65.  No payments will be made to SSS and the member can already get his pension.

hi po just want to ask, panu po kung 53 months plang po contribution ko but i want to apply for 2nd loan since i already paid 50% of my first loan, mgkano po magiging 2nd loan ko po? on New SSS

Medyo makulit.  We have already said the loan amount depends on 2 things:  number of contributions (36 for 1 month, 72 for 2 months) and monthly salary credit. So please stop asking how much can be borrowed by a member.  It is simple and directly computable.

Hi madam! can i ask about our unposted loan payment. kasi po sabi ng accountant namin nakapag-bayad cila for that month (Jan.2015) at may record din sila ng transaction & receipt no. ang problema po nmin ay wala kming copy ng mismong resibo.so, how can we complain s sss branch namin about our concern? .. thank you po. on New SSS 

Ask for a copy of the receipt, or at least the OR number so you can inform SSS.  Also check if the loan has been misposted - say to an older loan.

Greetings! Maam, Tanong ko lang po meron po bang epekto sa akin in the future if dati ang contribution ko ay premium (P1,760.00) at ngayun mag continue ako pero mas mababa say(P500.00) ? no employer-employee kasi situation ko ngayun so ako na mag-isa ang mag shoulder ng bayarin. salamat po. on Have y

Maaring maging kalahati ang magiging pension kapag nagkataon.  Huwag na huwag babawasan ang inyong MSC.  Either i-maintain ninyo iyon o dagdagan ninyo.

This is my advice, try to hit the maximum salary credit, which is currently at 16,000. pesos

hello po.. yung daddy ko po kasi dati may sss but when he stop working hindi na nabayaran. so i decided to pay his contribution or continue his sss through may salary deduction it is possible ba na ako nalang magbabayad instead of him. kasi wla na nga sya work. do i need to use RS-5 application? salamat po. on Have

Anyone may pay for anyone's SSS.  Make sure your employer is agreeable because this would be extra work for them.

Good day maam! Pwede po ako nlang mag self-paying sa e -loloan ko?hindi nlang ako dadaan sa employer ko?para madali po? on SSS

No.  

SSS ANNOUNCES - LOAN RESTRUCTURING

Do you still have an outstanding loan?  Last chance to avail.

Go to the nearest SSS Office or check the SSS website for details -

Basically, to be eligible - your loan should have been a calamity loan or a slerp, or that you live/or work in an area affected by a catastrophe.  The offer is pretty open, and most members should qualify.

However, be serious with your loan. repayments.  

Salary Loans for SSS

members have asked questions about how much they can loan, citing previous loans.

these members dont want to read.  may i suggest that you read specifics on loans instead of asking the same things over and over again.

loan amounts are based on 2 things, number of contributions and monthly salary credit.
not on the number of loans a member has made.

in short, please read before you ask.

Manual Verification Update

It seems the manual verification and subsequent realignment of pensions need more time so now it cannot be any earlier than April 2016.

So please extend your patience some more.

In the meantime, make sure you continue with your acop.


UPDATE:::  This may have been moved to May.

Answers to some questions asked by some people who DO NOT fully read posts

Hello mam,ask ko lng po. Mgiisang taon n pong d n po aq ngwowork at kasabay po nun d n po aq nghulog ng contribution s sss. At my existing loan po aq.i dont hav enough budget to continue my contribution and pay d loan. Pg bumalik po b aq ng work, at magiging active po ulit ang sss ko do i have to pay the interest at ung naiwan kong loan? Or can i do something pra po d ko n po babayaran ung loan ko nun? (meron po bng i-back to zero contribution ko as a payment s unpaid loan q? Tnx po.mukha po kc matagalan p po aq babalik ng work on	interest on loans have to paid,  naturally this cannot be skipped however, penalties are worse. penalties can be much higher than any interest.
Hi I'm currently employed but I authorized my employer to stop contributing for my SSS since I've already gained 20 years contributions. Is this permissable to the SSS LAw?	The employer can be sued by SSS for non-compliance to the SSS Law. Having 20 years of contributions is NOT a reason to stop contributing.  Additional years add to the pension
Mam im a police officer naksidente po ako s motor nuong feb 23, 2016 d ako nagpaconfine dhil narin s mahal ng hospital bill s perpetual pgpasok k plng ng er ngbill n po ako ng 36 thouzands.mam panu k po un iclaim s sss on	Hospital bills are to be filed with Phil Health NOT SSS.  SSS Sickness claims only pay for the number of days a person is absent WITHOUT PAY
Good day, anong ko lang po kung ok pa ituloy sss ko nagloan po ako 1993. tapos po nagresign ako 1994,malaki po ba penalty?	dapat mabayaran yung loan kasi malaki yung penalty, Mas malaki sa interest.

Are you waiting for the SSS Project on Manual Verification?

If yes, well........   SSS has not yet made any announcements regarding the completion of this project.

Members and SSS-watchers will note that SSS said that the target is end of December.  They really didnt promise it would be finished.  As I remember it, it was a best-effort estimate.

Well, perhaps the project isnt quite finished yet.  

I have always thought that it would be better to get the retirement benefits sans the 5-years  and then have the claim readjudicated once the smoke clears.  At least there would already be a pension.

At any rate, just wait for the SSS announcement.

A friend of mine at SSS tells this story about a pensioner who called..... following-up her adjustment and told her that SHE wanted to kill all the SSS employees,

If you are a pensioner, do not threaten the employees.  If you lose their sympathy, then you cant blame them for losing impetous and zeal in seeking a resolution.  More flies with honey, remember.

a CCD party on the 18 of December 2015

Advisory on SSS IDs once again - for Taiwan bound OFWs

just in case you didnt know ....

Reminders for New Pensioners

If you recently retired at age 60, please remember that if you get employed, even just part-time, your pension will be stopped for the duration of your employment.

However, at age 65 - it does not matter. You can work but your pension will continue.  Just make sure your employer no longer will deduct for your SSS.

Loans for Lando

Just in case you havent heard, members affected by Lando as defined by the Disaster unit can avail of early renewal of loans for members and 3 months advanced pensions for pensioners.

Go to your nearest SSS office with proof that your area is affected.  Usually a barangay report/certification is sufficient.

Service fees are waived.

Keeping members informed - 30 day sick leave filing extension for OFWs

The SSS Commission has issued this circular to benefit OFWs.
Please take note of the effectivity, 18 August 2015.

Reminders for SSS Members

This is just to remind SSS members what to do NOW, not later

If this sounds "what, not again ......", it is because I think it necessary.

It is only because people tend to let things slide and then have to scurry to accomplish things when the need comes upon them.  Dont wait for that time. Do it now, and at your leisure, and do it at one time.

1. Make sure you have only one SSS number and make sure you have it memorized.

If you have more than one, go to SSS NOW and start the process of combining contributions in each of the SSS number to just one.  SSS usually picks the "oldest" SSS number.  You should memorize your SS number because this is the main number for transacting with SSS.  

2. Ensure that your heirs, whoever they may be, can have access to it should the need arise.

I suggest that you have an envelope, preferably a thick plastic one (so it will last for a bit), and put your legal papers in it.  For example, policy information if you have insurance policies, life plans, and memorial plans.  If you have a will, you can put this is in the same place.  If you are ultra rich, make sure you have a backup copy of your will and all your wills should be dated.  I digressed a bit, but i hope it was helpful.

3. Make sure that your FULL name is correct and is supportable by either a live (active) passport or an NSO-issued birth certificate.

This measure is supposed to prevent/minimize fraud so SSS is quite strict about the matter.

4. Make sure that your DOC - Date of Cover - is CORRECT.

The DOC is the date wherein you first registered in the SSS database, via the initial contribution.

Problems with this will delay processing of your benefits.

5. Take note of all your employers.  Check that all employers are accounted and properly "logged".

This also means that there are no "stray" employers and that all your employers are registered in the database.  This will assist in making your life simpler.  Also, be sure to remember who these are - because, upon retirement you will be asked to write/list them down.  Also check that all contributions of each employer are posted.  Do this now, not tomorrow.

The SSS Anniversary, 1 SEPTEMBER 2015

For the first time, in the longest while - SSS had no real announcement on its 58th anniversary.
Many waited for the possible announcement of the additional 2K in pension, but there was dead silence about this from the institution.

Normally, if you are an SSS-watcher like me - you would know that SSS always announces something on their anniversary.  For example, when Neri was president - he opted to give all pensioners a one-time 500-peso gift.

Pension increases are always announced on the SSS anniversary.

But wait, SSS did announce something this year - the increase in funeral benefit - although not everyone would get 40K.



and oh, gsis announced 30k as their new funeral benefit