SSS Contribution Schedule January 2014 Summary of SSS Benefits
Showing posts with label SSS. Show all posts
Showing posts with label SSS. Show all posts
SSS Contribution Schedule January 2014 Summary of SSS Benefits
SSS Contribution Schedule January 2014 Summary of SSS Benefits
SSS Contribution Schedule January 2014 Summary of SSS Benefits
SSS Contribution Schedule January 2014 Summary of SSS Benefits
SSS Long Term Benefits
A. Disability Benefit
Cash benefit paid to a member who has paid at least one contribution and becomes permanently disabled either partially or totally.
Benefit is paid either in lump sum or pension. To qualify for a pension, member must have paid at least 36 monthly contributions.
B. Retirement Benefit
Cash benefit paid to a member who can no longer work due to old age and has reached the age of 60 (voluntary retirement) or 65 (compulsory retirement).
Benefit is paid in lump sum (if with less than 120 contributions) or pension (if with 120 contributions or more).
C. Death Benefit
* Cash benefit paid to primary beneficiaries of a deceased member who had paid at least 36 monthly contributions prior to the semester of contingency. In the absence of primary beneficiaries, the dependent parents shall be the secondary beneficiaries. In their absence, the beneficiary, shall be any other person designated by the member as his secondary beneficiary.
Minimun pension amount
Death and Disability
♦P1,000 if with less than 10 CYS
$P 1,200 if with at least 10 CYS $P 2,400 if with at least 20 CYS
Retirement
#P 1,200 for members with at least 10 CYS
#P 2,400 for members with at least 20 CYS
Funeral Benefit
^Benefit granted in cash amounting to P 20, 000
*to help defray the burial expenses of the deceased person
* Cash benefit is usually paid to the person who shouldered the funeral expenses
^Documents Needed:
- Claim Application
- Death Certificate
- Funeral Receipt
- Affidavit of Funeral Expenses
Other benefits
^Dependents pension
♦paid to dependent children, maximum of five, equivalent to 10% of basic pension or P250 whichever is higher
& Survivor’s pension
♦paid to the surviving dependent spouse of a pensioner, equivalent to 100% of the basic pension
SSS Long Term Benefits
SSS Salary Loan
1. ELIGIBILITY REQUIREMENTS
1.1 For a one-month loan, the member-borrower must have 36 posted monthly contributions, prior to the month of filing of application.
1.2 For a two-month loan, the member-borrower must have 72 posted monthly contributions, prior to the month of filing of application.
1.3 An employed, currently paying self-employed or voluntary member(SE/VM) who has 6 posted monthly contributions for the last 12 months prior to the month of filing of application.
2. LOAN AMOUNT
A one-month salary loan is equivalent to the 2.1
average of the member-borrower’s latest 12
monthly salary credits posted.
2.2 A two-month salary loan is equivalent to twice the average of the member’s latest 12 monthly salary credits posted (rounded to the next higher monthly salary credit, but not to exceed P24,000).
3. REPAYMENT TERM
The one-month or two-month salary loan shall be payable within two (2) years in 24 equal monthly installments.
4. INTEREST AND PENALTY
The loan shall be charged a nominal interest 4.
of 10% per annum. 1
First year’s interest shall be deducted in advance from the proceeds of the loan.
Second year’s interest shall be included in the monthly amortizations.
4.2 Loan amortization not remitted on due date shall bear a penalty of 1% per month.
5. SERVICE FEE
A service fee of 1% of the loan amount shall be charged and deducted from the proceeds of the loan.
6. LOAN RENEWAL
The loan may be renewed after the prescribed amortization period of two (2) years.
Balance of P500 or less deducted from proceeds of new loan.
SSS Salary Loan
SSS COVERAGE AND REGISTRATION
Types of Coverage
•Compulsory Coverage
- Employer/Household employer
- Employee/House helper - Self-employed
•Voluntary Coverage
OFW
Non-working spouse
- Separated member
Employer
Any person, natural or juridical, domestic or foreign, who carries on in the Philippines, any trade, business, industry or activity of any kind and uses the services of another person who is under his orders as regards the employment, except the government and its instrumentalities. (Sec. 8-c)
Any person who:
- performs services for an employer in which
either or both mental and physical efforts are
used;
- receives compensation for such services;
and
- there is an employer-employee relationship. (Sec. 8-d)
Self-employed
•
Who are the self-employed
- No employer other than himself; and
- Derives income from his physical and mental efforts. (Sec. 8-s)
Self-employed
Self-employed persons are, but not limited to:
-partners and single proprietors of businesses
-actors, actresses, directors and scriptwriters -professional athletes, coaches, trainers, jockey -self-employed professional
- farmers and fisherfolks
- informal sector workers
- church Priests and Ministers
Requirements/highlights:
- regardless of trade, business or occupation,
- with a monthly income of at least P1,000; and - not over 60 years old (if initial coverage)
Overseas Filipino Workers
-A Filipino recruited by a foreign-based ER for employment abroad; or
-One who has a source of income in a foreign country; or
-A permanent resident of a foreign country.
• Requirements/highlights:
-Not over 60 years of age (if initial coverage). -Minimum MSC is at P5,000.00. -If with existing SS number, need not register thru SS Form OW-1.
Non-Working Spouse
Who are the non-working spouse?
-Legally married to a currently employed member;
and self-employed
-Devotes full time family affairs.
in the management of the household and
Requirements/highlights:
-Never been a member of the SSS.
-Has the consent of the working spouse."
-Must register through SS Form NW-1.
-Contribution will be based on 50% of the working spouse’s last posted MSC but in no case should it be lower than P 1,000
SSS COVERAGE AND REGISTRATION
SSS COVERAGE AND REGISTRATION
SSS Contribution and Benefits
Background:
• Contribution is the amount paid to SSS by its members
• The monthly contributions based on the compensation of SSS members are payable under the two programs, as follows:
SS - 10.4% of MSC not exceeding Php15,000, which are payable by both employer (7.07%) and employee (3.33%)
EC - 1% of MSC not exceeding Php1,000 and payable only by the employer
Basis of monthly contributions
• For employees - monthly income/earnings from employment but not lower than Php1,000 (RA 8282)
• For self-employed members (including farmers / fishermen) - monthly income/earnings declared upon registration, which should not be less than Php1,000 (RA 8282)
Basis of monthly contributions
• For voluntary members - contribution amount indicated in SS Form RS-5 at the time of 1st payment, which should not be less than Php1,000 (Off. Order #150-A)
• For OFW - monthly income declared upon registration, which should not be less than Php5,000 (Circular #13-P)
• For NWS - 50% of the current MSC of the working spouse
Minimum / Maximum Contributions
Range of Compensation MSC Total Monthly Contributions
FOR EMPLOYED MEMBERS P
P
MEM 114.00 1,590.00
BERS
Minimum
P 1,000.00 - 1,249.99 P 1,000
Maximum
P 14,750.00 - OVER P 15,000
FOR VOLUNTARY & SELF-EMPLOYED
Minimum
P 1,000.00 - 1,249.99
Maximum
P 14,750.00 - OVER P 1,000 P 15,000 P
P 104.00 1,560.00
Payment Schemes
Over-the-counter (OTC) Electronic Data Interchange (EDI) Automatic Debit Arrangement (ADA)
New payment Deadlines for SSS Contributions and Members Loan
The new deadline for contributions or members
are as follows:
For regular employers (ERs)
If 10th digit of the 13-digit ER number ends in:
Payment Deadline: (FF. the applicable month)
1 or 2 3 or 4 5 or 6 7 or 8 9 or 0
10th day of the month 15th day of the month 20th day of the month 25th day of the month Last day of the month
Starting applicable month of June 2011 in case of
monthly payment or applicable quarter ending
June 30, 2011 in case of quarterly payment
For household employers (HRS), self-employed (SE) and voluntary members (VM) except OFW-members
If 10th (last) digit Payment Deadline:
SSS number ends in: (FF. the applicable month
or quarter (for SE/VM
only) as the case
may be)
1 or 2 10th day of the month
3 or 4 15th day of the month
5 or 6 20th day of the month
7 or 8 25th day of the month
9 or 0 Last day of the month
Existing Payment Channels
Payment of Contributions
1. SS«rE-pay
2. Over-the-Counter
a. SSS Branch Offices (90)
b. Accredited Banks/Branches (117)
c. Bayad Center outlets (556)
d. SM Payment Centers (26)
e. Ventaja outlets-overseas (92/13)
3. Mail
f. I-Remit outlets-overseas (53/18)
4. Auto-Debit Arrangement
participating banks
5. Internet
• To provide convenience to paying members through direct payment of contributions to 556 bayad centers nationwide (includes RCPI).
• To provide convenience to SE/VM and OFW paying members through direct payment of contributions to Shoe Mart Business Centers
UPDATES (Circular No. 13-P -Effective 01 January 2004)
• SE/VM, including OFW, may pay contributions either on monthly or quarterly (effective 01 October 2003)
• Minimum MSC of OFW is P5,000
UPDATES (Circular No. 13-P -Effective 01 January 2004)
Changing of MSC:
a) SE/VM, including OFW, may change their MSC by one to two salary brackets without requiring the submission of documents to prove their earnings
UPDATES (Circular No. 13-P -Effective 01 January 2004)
b) Where the change will result to an MSC of lower than Php5,000, or where the change will result to more than two salary brackets higher or lower than the present MSC, a declaration of earnings or ITR for the prior year duly received by BIR, must be submitted to prove their earnings
UPDATES (Circular No. 13-P -Effective 01 January 2004)
c) Where the present MSC is more than Php10,000 and the age of the member is 55 years or older, the allowed increase is only one salary bracket regardless of whether the supporting documents are submitted or not
UPDATES (Circular No. 13-P -Effective 01 January 2004)
Revised Schedule of payment:
a) For employer - on the 10th day following the applicable month
b) For SE/VM/OFW - on the 20th day following the applicable month or quarter, as the case maybe
UPDATES (CIRCULAR 32 P -Effective 15-Nov. 2006)
New Payment Deadline For Contributions
of OFW Members •Contributions for the months of January
to December of a given year maybe paid
within the same year •Contributions for the months of October to December of a given year may also be paid on or before the 31st of January of the succeeding year.
UPDATES (Circular No. 13-P -Effective 01 January 2004)
If the 10th day falls on a Saturday, Sunday or holiday, payment may be made without penalty on the next working day. This rule is applicable to all types of payors (i.e. ER. EE. SE & VM)
Frequently Asked Questions
Q - When may a self-employed or voluntary member change his/her MSC?
A - A self-employed or voluntary member, including OFW, may change his/her MSC monthly
Frequently Asked Questions
Q - When & how should the member start paying contributions?
A - For employee or household helper - monthly, through salary deduction, starting from the first month of employment
For SE/VM/OFW - monthly or quarterly, starting on the date of coverage/approval of membership
Frequently Asked Questions
Q - What form to accomplish in paying contributions?
A - SS Form R-5 for employer payment SS Form RS-5 for SE/VM/OFW payment
Frequently Asked Questions
Q - Where may payments for contributions be made?
A - Payments may be made to any SSS accredited banks/bayad centers or to SSS selected branches
Frequently Asked Questions
Q - May the SE/VM/OFW pay his/her contributions retroactively?
A - NO (payments made after the prescribed due date will be applied prospectively)
Frequently Asked Questions
Q - What happens to late payments of employers?
A- Late payments of employer wi l incur 3% penalty per month from the date the contribution fa ls due until paid
Frequently Asked Questions
Q - May an employed member, who receives no compensation from his/her employer during the period he/she is on leave, pay contribution for said period?
A- Yes, said employed member is allowed to pay said contributions as separated employee under the same rules & regulations applicable to voluntary members.
Short-term Benefits
Sickness & Maternity Benefits
Sickness Benefit
* Daily cash allowance paid to a member for the number of days he/she is unable to work due to sickness or injury
Amount of Benefit
* Daily cash allowance is equivalent to 90% of the average daily salary credit
Qualifying Conditions
^Unable to work due to sickness or injury
& Confined for at least four (4) days
^Paid at least three (3) monthly contributions within the 12-month period immediately preceding the semester of sickness
&He has notified his employer or if unemployed, the SSS
&He has used up all current company sick leave
• JANUARY
• FEBRUARY
• MARCH
• APRIL
• MAY
• JUNE
• JULY
• AUGUST
• SEPTEMBER
• OCTOBER
• NOVEMBER
• DECEMBER
QUARTER
THREE (3) CONSECUTIVE MONTHS ENDING THE MONTH OF MARCH, JUNE, SEPTEMBER AND DECEMBER
2010
2011
SEMESTER
(Month of contingency)
Rules on Sickness Notification
Employed Member -
• EE to ER - w/in 5 calendar days after the start of conft.
• ER to SSS - w/in 5 calendar days after receipt of notification from employee
Separated / Self-employed/ Voluntary Members -within 5 calendar days after the start of confinement
Failure to observe the rule on notification shall be a ground for the reduction or denial of the claim.
Amount of benefits
THE DAILY CASH ALLOWANCE IS EQUIVALENT TO 90% OF THE AVERAGE DAILY SALARY CREDIT.
Maximum period of entitlement
120 DAYS IN ONE CALENDAR YEAR
Manner of payment or Reimbursement
FOR EMPLOYED MEMBERS
% THE EMPLOYER SHALL ADVANCE THE
BENEFIT EVERY REGULAR PAYDAY. THE AMOUNT ADVANCED BY THE EMPLOYER WILL BE REIMBURSED 100% BY THE SSS EITHER THRU CHECK OR THRU EMPLOYER’S DEPOSITOR
FOR SEPARATED / VOLUNTARY / SELF-EMPLOYED MEMBERS
^ SSS WILL PAY DIRECTLY TO THE MEMBER
Documents Required
FOR EMPLOYED MEMBERS
^> APPROVED SICKNESS NOTIFICATION (SS FORM CLD-9N)
^> DULY ACCOMPLISHED SICKNESS BENEFIT REIMBURSEMENT APPLICATION (SS FORM B-304)
^> PRESENTATION OF SS DIGITIZED ID OF THE MEMBER OR E-6 ACKNOWLEGEMENT STUB W/ TWO VALID IDs [at least one w/ photo].
FOR SEPARATED/SELF-EMPLOYED/VOLUNTARY MEMBERS:
^> SICKNESS BENEFIT APPLICATION FOR
SEPARATED/SELF-EMPLOYED/VOLUNTARY MEMBERS (SSS FORM CLD-9A)
^> MEDICAL CERTIFICATE (SS FORM MMD-102 OR MD-15)
^> PRESENTATION OF SS DIGITIZED ID OF THE MEMBER OR E-6 ACKNOWLEDGEMENT STUB W/ TWO VALID IDs [at least one w/ photo].
ADDITIONAL DOCUMENTS FOR SEPARATED MEMBERS:
• CERTIFICATION FROM LAST EMPLOYER SHOWING THE EFFECTIVE DATE OF SEPARATION FROM EMPLOYMENT OR NOTICE OF COMPANY’S CLOSURE/STRIKE OR CERTIFICATION FROM DEPARTMENT OF LABOR THAT EE/ER HAS A PENDING LABOR CASE.
Maternity Benefits
< Daily cash allowance granted to a female employee - member for a period of 60 days for normal delivery, abortion, miscarriage & ectopic pregnancy and 78 days for caesarian section
Qualifying Conditions
* Given the required notification to the SSS thru her employer
$Paid at least 3 monthly contributions within the 12-month period before the semester of childbirth, miscarriage or abortion
Limitations
# Payment will be made only for the 1 st four deliveries on and after March 13, 1973
# Abortion and miscarriage included (effective May 24,1997
# Payment of maternity benefit will be a bar to the recovery of sickness benefit for the same period of confinement
Manner of payment or Reimbursement
FOR EMPLOYED MEMBERS
^> THE EMPLOYER SHALL ADVANCE THE BENEFIT IN FULL WITHIN 30 DAYS FROM THE FILING OF THE MATERNITY LEAVE APPLICATION. SSS SHALL REIMBURSE THE EMPLOYER 100% OF THE AMOUNT OF BENEFIT ADVANCED TO THE EMPLOYEE.
♦ FOR SEPARATED/ VOLUNTARY/ SELF-EMPLOYED MEMBERS
^> SSS WILL PAY DIRECTLY TO THE MEMBERS
Documents Required
FOR EMPLOYED / VOLUNTARY / SELF-EMPLOYED / SEPARATED MEMBERS
O DULY ACCOMPLISHED MATERNITY BENEFIT REIMBURSEMENT APPLN. (SSS FORM MAT-
MATERNITY NOTIFICATION DULY STAMPED RECEIVED BY THE SSS AT LEAST 60 DAYS FROM DATE OF CONCEPTION (SS FORM MAT-1).
© PRESENTATION OF SS DIGITIZED ID OF THE MEMBER OR E-6 ACKNOWLEDGEMENT W/ TWO
VALID IDs [at least one w/ photo].
OTHER DOCUMENTS:
A NORMAL DELIVERY - DULY REGISTERED BIRTH CERTIFICATE. IN CASE THE CHILD DIES/STILLBIRTH, DULY REGISTERED FETAL DEATH CERTIFICATE.
B CAESARIAN DELIVERY - DULY REGISTERED BIRTH CERTIFICATE AND OPERATING ROOM RECORD.
C MISCARRIAGE - D & C REPORT OR PREGNANCY TEST BEFORE AND AFTER MISCARRIAGE.
FOR SEPARATED MEMBERS -
CERTIFICATION FROM LAST EMPLOYER SHOWING THE EFFECTIVE DATE OF SEPARATION FROM EMPLOYMENT OR NOTICE OF COMPANY’S CLOSURE/STRIKE OR CERTIFICATION FROM DEPARTMENT OF LABOR THAT EMPLOYEE/EMPLOYER HAS A PENDING LABOR CASE.
EC Sickness Benefits
AN INCOME CASH BENEFIT IS EQUIVALENT TO 90% OF THE AVERAGE DAILY SALARY CREDIT BUT NOT TO EXCEED P 200.00 PER DAY.
Qualifying Condition
^ SICKNESS OR INJURY IS WORK-CONNECTED;
^> EMPLOYEE HAS BEEN DULY REPORTED TO SSS;
^> SSS HAS BEEN NOTIFIED OF SUCH SICKNESS OR INJURY; AND
^> THE EMPLOYEE HAS THE REQUIRED MONTHLY CONTRIBUTIONS PAID FOR HIM BY HIS EMPLOYER.
An employee need not have to exhaust his leave credits before he can avail sickness benefit under ECC.
ACCIDENTS MAY BE CONSIDERED TO HAVE BEEN ARISING OUT OF & IN COURSE OF EMPLOYMENT WHEN IT OCCURRED WHILE THE EMPLOYEE WAS :
PERFORMING HIS OFFICIAL FUNCTION, AT THE PLACE WHERE HIS WORK REQUIRED HIM TO BE, & IF ELSEWHERE, THE EMPLOYEE MUST HAVE BEEN EXECUTING AN ORDER FOR THE EMPLOYER;
PERFORMING AN ACT WITHIN THE TIME & SPACE LIMITS OF HIS EMPLOYMENT TO MINISTER TO PERSONAL COMFORT SUCH AS SATISFACTION OF THIRST, HUNGER OR OTHER PHYSICAL DEMANDS, OR TO PROTECT HIMSELF FROM EXCESSIVE COLD;
ENGAGED IN A COMPANY SPONSORED ACTIVITIES, SUCH AS, FIELD TRIPS, PICNICS, INTRAMURALS, ETC.;
ON BOARD A SHUTTLE BUS OR ANY VEHICLE PROVIDED BY THE COMPANY.
ANY SICKNESS IS COMPENSABLE PROVIDED THAT IT IS LISTED BY THE ECC AS AN OCCUPATIONAL DISEASE. OTHERWISE, PROOF MUST BE SHOWN THAT THE RISK OF CONTRACTING THE DISEASE IS INCREASED BY THE WORKING CONDITION.
Limitations/ Exclusions
^ INTOXICATION / DRUNKENNESS
^> WILLFULL INTENTION TO INJURE OR KILL HIMSELF OR ANOTHER
^> NOTORIOUS NEGLIGENCE
Maximum Number of Entitlement
240 days in one calendar year
SSS Contribution and Benefits
• Contribution is the amount paid to SSS by its members
• The monthly contributions based on the compensation of SSS members are payable under the two programs, as follows:
SS - 10.4% of MSC not exceeding Php15,000, which are payable by both employer (7.07%) and employee (3.33%)
EC - 1% of MSC not exceeding Php1,000 and payable only by the employer
Basis of monthly contributions
• For employees - monthly income/earnings from employment but not lower than Php1,000 (RA 8282)
• For self-employed members (including farmers / fishermen) - monthly income/earnings declared upon registration, which should not be less than Php1,000 (RA 8282)
Basis of monthly contributions
• For voluntary members - contribution amount indicated in SS Form RS-5 at the time of 1st payment, which should not be less than Php1,000 (Off. Order #150-A)
• For OFW - monthly income declared upon registration, which should not be less than Php5,000 (Circular #13-P)
• For NWS - 50% of the current MSC of the working spouse
Minimum / Maximum Contributions
Range of Compensation MSC Total Monthly Contributions
FOR EMPLOYED MEMBERS P
P
MEM 114.00 1,590.00
BERS
Minimum
P 1,000.00 - 1,249.99 P 1,000
Maximum
P 14,750.00 - OVER P 15,000
FOR VOLUNTARY & SELF-EMPLOYED
Minimum
P 1,000.00 - 1,249.99
Maximum
P 14,750.00 - OVER P 1,000 P 15,000 P
P 104.00 1,560.00
Payment Schemes
Over-the-counter (OTC) Electronic Data Interchange (EDI) Automatic Debit Arrangement (ADA)
New payment Deadlines for SSS Contributions and Members Loan
The new deadline for contributions or members
are as follows:
For regular employers (ERs)
If 10th digit of the 13-digit ER number ends in:
Payment Deadline: (FF. the applicable month)
1 or 2 3 or 4 5 or 6 7 or 8 9 or 0
10th day of the month 15th day of the month 20th day of the month 25th day of the month Last day of the month
Starting applicable month of June 2011 in case of
monthly payment or applicable quarter ending
June 30, 2011 in case of quarterly payment
For household employers (HRS), self-employed (SE) and voluntary members (VM) except OFW-members
If 10th (last) digit Payment Deadline:
SSS number ends in: (FF. the applicable month
or quarter (for SE/VM
only) as the case
may be)
1 or 2 10th day of the month
3 or 4 15th day of the month
5 or 6 20th day of the month
7 or 8 25th day of the month
9 or 0 Last day of the month
Existing Payment Channels
Payment of Contributions
1. SS«rE-pay
2. Over-the-Counter
a. SSS Branch Offices (90)
b. Accredited Banks/Branches (117)
c. Bayad Center outlets (556)
d. SM Payment Centers (26)
e. Ventaja outlets-overseas (92/13)
3. Mail
f. I-Remit outlets-overseas (53/18)
4. Auto-Debit Arrangement
participating banks
5. Internet
• To provide convenience to paying members through direct payment of contributions to 556 bayad centers nationwide (includes RCPI).
• To provide convenience to SE/VM and OFW paying members through direct payment of contributions to Shoe Mart Business Centers
UPDATES (Circular No. 13-P -Effective 01 January 2004)
• SE/VM, including OFW, may pay contributions either on monthly or quarterly (effective 01 October 2003)
• Minimum MSC of OFW is P5,000
UPDATES (Circular No. 13-P -Effective 01 January 2004)
Changing of MSC:
a) SE/VM, including OFW, may change their MSC by one to two salary brackets without requiring the submission of documents to prove their earnings
UPDATES (Circular No. 13-P -Effective 01 January 2004)
b) Where the change will result to an MSC of lower than Php5,000, or where the change will result to more than two salary brackets higher or lower than the present MSC, a declaration of earnings or ITR for the prior year duly received by BIR, must be submitted to prove their earnings
UPDATES (Circular No. 13-P -Effective 01 January 2004)
c) Where the present MSC is more than Php10,000 and the age of the member is 55 years or older, the allowed increase is only one salary bracket regardless of whether the supporting documents are submitted or not
UPDATES (Circular No. 13-P -Effective 01 January 2004)
Revised Schedule of payment:
a) For employer - on the 10th day following the applicable month
b) For SE/VM/OFW - on the 20th day following the applicable month or quarter, as the case maybe
UPDATES (CIRCULAR 32 P -Effective 15-Nov. 2006)
New Payment Deadline For Contributions
of OFW Members •Contributions for the months of January
to December of a given year maybe paid
within the same year •Contributions for the months of October to December of a given year may also be paid on or before the 31st of January of the succeeding year.
UPDATES (Circular No. 13-P -Effective 01 January 2004)
If the 10th day falls on a Saturday, Sunday or holiday, payment may be made without penalty on the next working day. This rule is applicable to all types of payors (i.e. ER. EE. SE & VM)
Frequently Asked Questions
Q - When may a self-employed or voluntary member change his/her MSC?
A - A self-employed or voluntary member, including OFW, may change his/her MSC monthly
Frequently Asked Questions
Q - When & how should the member start paying contributions?
A - For employee or household helper - monthly, through salary deduction, starting from the first month of employment
For SE/VM/OFW - monthly or quarterly, starting on the date of coverage/approval of membership
Frequently Asked Questions
Q - What form to accomplish in paying contributions?
A - SS Form R-5 for employer payment SS Form RS-5 for SE/VM/OFW payment
Frequently Asked Questions
Q - Where may payments for contributions be made?
A - Payments may be made to any SSS accredited banks/bayad centers or to SSS selected branches
Frequently Asked Questions
Q - May the SE/VM/OFW pay his/her contributions retroactively?
A - NO (payments made after the prescribed due date will be applied prospectively)
Frequently Asked Questions
Q - What happens to late payments of employers?
A- Late payments of employer wi l incur 3% penalty per month from the date the contribution fa ls due until paid
Frequently Asked Questions
Q - May an employed member, who receives no compensation from his/her employer during the period he/she is on leave, pay contribution for said period?
A- Yes, said employed member is allowed to pay said contributions as separated employee under the same rules & regulations applicable to voluntary members.
Short-term Benefits
Sickness & Maternity Benefits
Sickness Benefit
* Daily cash allowance paid to a member for the number of days he/she is unable to work due to sickness or injury
Amount of Benefit
* Daily cash allowance is equivalent to 90% of the average daily salary credit
Qualifying Conditions
^Unable to work due to sickness or injury
& Confined for at least four (4) days
^Paid at least three (3) monthly contributions within the 12-month period immediately preceding the semester of sickness
&He has notified his employer or if unemployed, the SSS
&He has used up all current company sick leave
• JANUARY
• FEBRUARY
• MARCH
• APRIL
• MAY
• JUNE
• JULY
• AUGUST
• SEPTEMBER
• OCTOBER
• NOVEMBER
• DECEMBER
QUARTER
THREE (3) CONSECUTIVE MONTHS ENDING THE MONTH OF MARCH, JUNE, SEPTEMBER AND DECEMBER
2010
2011
SEMESTER
(Month of contingency)
Rules on Sickness Notification
Employed Member -
• EE to ER - w/in 5 calendar days after the start of conft.
• ER to SSS - w/in 5 calendar days after receipt of notification from employee
Separated / Self-employed/ Voluntary Members -within 5 calendar days after the start of confinement
Failure to observe the rule on notification shall be a ground for the reduction or denial of the claim.
Amount of benefits
THE DAILY CASH ALLOWANCE IS EQUIVALENT TO 90% OF THE AVERAGE DAILY SALARY CREDIT.
Maximum period of entitlement
120 DAYS IN ONE CALENDAR YEAR
Manner of payment or Reimbursement
FOR EMPLOYED MEMBERS
% THE EMPLOYER SHALL ADVANCE THE
BENEFIT EVERY REGULAR PAYDAY. THE AMOUNT ADVANCED BY THE EMPLOYER WILL BE REIMBURSED 100% BY THE SSS EITHER THRU CHECK OR THRU EMPLOYER’S DEPOSITOR
FOR SEPARATED / VOLUNTARY / SELF-EMPLOYED MEMBERS
^ SSS WILL PAY DIRECTLY TO THE MEMBER
Documents Required
FOR EMPLOYED MEMBERS
^> APPROVED SICKNESS NOTIFICATION (SS FORM CLD-9N)
^> DULY ACCOMPLISHED SICKNESS BENEFIT REIMBURSEMENT APPLICATION (SS FORM B-304)
^> PRESENTATION OF SS DIGITIZED ID OF THE MEMBER OR E-6 ACKNOWLEGEMENT STUB W/ TWO VALID IDs [at least one w/ photo].
FOR SEPARATED/SELF-EMPLOYED/VOLUNTARY MEMBERS:
^> SICKNESS BENEFIT APPLICATION FOR
SEPARATED/SELF-EMPLOYED/VOLUNTARY MEMBERS (SSS FORM CLD-9A)
^> MEDICAL CERTIFICATE (SS FORM MMD-102 OR MD-15)
^> PRESENTATION OF SS DIGITIZED ID OF THE MEMBER OR E-6 ACKNOWLEDGEMENT STUB W/ TWO VALID IDs [at least one w/ photo].
ADDITIONAL DOCUMENTS FOR SEPARATED MEMBERS:
• CERTIFICATION FROM LAST EMPLOYER SHOWING THE EFFECTIVE DATE OF SEPARATION FROM EMPLOYMENT OR NOTICE OF COMPANY’S CLOSURE/STRIKE OR CERTIFICATION FROM DEPARTMENT OF LABOR THAT EE/ER HAS A PENDING LABOR CASE.
Maternity Benefits
< Daily cash allowance granted to a female employee - member for a period of 60 days for normal delivery, abortion, miscarriage & ectopic pregnancy and 78 days for caesarian section
Qualifying Conditions
* Given the required notification to the SSS thru her employer
$Paid at least 3 monthly contributions within the 12-month period before the semester of childbirth, miscarriage or abortion
Limitations
# Payment will be made only for the 1 st four deliveries on and after March 13, 1973
# Abortion and miscarriage included (effective May 24,1997
# Payment of maternity benefit will be a bar to the recovery of sickness benefit for the same period of confinement
Manner of payment or Reimbursement
FOR EMPLOYED MEMBERS
^> THE EMPLOYER SHALL ADVANCE THE BENEFIT IN FULL WITHIN 30 DAYS FROM THE FILING OF THE MATERNITY LEAVE APPLICATION. SSS SHALL REIMBURSE THE EMPLOYER 100% OF THE AMOUNT OF BENEFIT ADVANCED TO THE EMPLOYEE.
♦ FOR SEPARATED/ VOLUNTARY/ SELF-EMPLOYED MEMBERS
^> SSS WILL PAY DIRECTLY TO THE MEMBERS
Documents Required
FOR EMPLOYED / VOLUNTARY / SELF-EMPLOYED / SEPARATED MEMBERS
O DULY ACCOMPLISHED MATERNITY BENEFIT REIMBURSEMENT APPLN. (SSS FORM MAT-
MATERNITY NOTIFICATION DULY STAMPED RECEIVED BY THE SSS AT LEAST 60 DAYS FROM DATE OF CONCEPTION (SS FORM MAT-1).
© PRESENTATION OF SS DIGITIZED ID OF THE MEMBER OR E-6 ACKNOWLEDGEMENT W/ TWO
VALID IDs [at least one w/ photo].
OTHER DOCUMENTS:
A NORMAL DELIVERY - DULY REGISTERED BIRTH CERTIFICATE. IN CASE THE CHILD DIES/STILLBIRTH, DULY REGISTERED FETAL DEATH CERTIFICATE.
B CAESARIAN DELIVERY - DULY REGISTERED BIRTH CERTIFICATE AND OPERATING ROOM RECORD.
C MISCARRIAGE - D & C REPORT OR PREGNANCY TEST BEFORE AND AFTER MISCARRIAGE.
FOR SEPARATED MEMBERS -
CERTIFICATION FROM LAST EMPLOYER SHOWING THE EFFECTIVE DATE OF SEPARATION FROM EMPLOYMENT OR NOTICE OF COMPANY’S CLOSURE/STRIKE OR CERTIFICATION FROM DEPARTMENT OF LABOR THAT EMPLOYEE/EMPLOYER HAS A PENDING LABOR CASE.
EC Sickness Benefits
AN INCOME CASH BENEFIT IS EQUIVALENT TO 90% OF THE AVERAGE DAILY SALARY CREDIT BUT NOT TO EXCEED P 200.00 PER DAY.
Qualifying Condition
^ SICKNESS OR INJURY IS WORK-CONNECTED;
^> EMPLOYEE HAS BEEN DULY REPORTED TO SSS;
^> SSS HAS BEEN NOTIFIED OF SUCH SICKNESS OR INJURY; AND
^> THE EMPLOYEE HAS THE REQUIRED MONTHLY CONTRIBUTIONS PAID FOR HIM BY HIS EMPLOYER.
An employee need not have to exhaust his leave credits before he can avail sickness benefit under ECC.
ACCIDENTS MAY BE CONSIDERED TO HAVE BEEN ARISING OUT OF & IN COURSE OF EMPLOYMENT WHEN IT OCCURRED WHILE THE EMPLOYEE WAS :
PERFORMING HIS OFFICIAL FUNCTION, AT THE PLACE WHERE HIS WORK REQUIRED HIM TO BE, & IF ELSEWHERE, THE EMPLOYEE MUST HAVE BEEN EXECUTING AN ORDER FOR THE EMPLOYER;
PERFORMING AN ACT WITHIN THE TIME & SPACE LIMITS OF HIS EMPLOYMENT TO MINISTER TO PERSONAL COMFORT SUCH AS SATISFACTION OF THIRST, HUNGER OR OTHER PHYSICAL DEMANDS, OR TO PROTECT HIMSELF FROM EXCESSIVE COLD;
ENGAGED IN A COMPANY SPONSORED ACTIVITIES, SUCH AS, FIELD TRIPS, PICNICS, INTRAMURALS, ETC.;
ON BOARD A SHUTTLE BUS OR ANY VEHICLE PROVIDED BY THE COMPANY.
ANY SICKNESS IS COMPENSABLE PROVIDED THAT IT IS LISTED BY THE ECC AS AN OCCUPATIONAL DISEASE. OTHERWISE, PROOF MUST BE SHOWN THAT THE RISK OF CONTRACTING THE DISEASE IS INCREASED BY THE WORKING CONDITION.
Limitations/ Exclusions
^ INTOXICATION / DRUNKENNESS
^> WILLFULL INTENTION TO INJURE OR KILL HIMSELF OR ANOTHER
^> NOTORIOUS NEGLIGENCE
Maximum Number of Entitlement
240 days in one calendar year
SSS Contribution and Benefits
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