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Paano mag-apply for SSS salary loan, unemployment benefits during Luzon quarantine?

Mar 27, 2020
SSS is extending help to its members in need of financial assistance through its salary loan, unemployment benefits, as well as its calamity loans program that will be launched next week, according to SSS Spokesperson Fernan Nicolas.
PHOTO/S: FREEPIKf

Good news sa mga Social Security System (SSS) members. Puwede nang mag-avail ng calamity loan simula next week.

Sinabi ito ni SSS Spokesperson Fernan Nicolas sa kanyang interbyu sa TV Patrol noong Miyerkules, March 25, 2020.

Aniya, "Up to the maximum of PHP20,000, of course, depending sa kanyang monthly contribution.

"Maghintay tayo ng mga susunod na anunsiyo kung kailan magsisimula ang calamity loan."

Bukod sa calamity loan, nagbibigay rin ng tulong pinansiyal ang SSS sa pamamagitan ng salary loan at unemployment benefits.

Kung nais mong i-avail ito, narito ang mga kailangan mong malaman:

SSS SALARY LOAN

Ang SSS Salary Loan ay para sa contributing or active members who are employees of a company or are self-employed.

May dalawang klase ng loan na puwede mong i-avail: merong for one month at meron ring for two months.

For those who will apply for a one-month loan, dapat ay nakapaghulog ka na ng 36 monthly contributions sa SSS. Kailangan naman ng 72 contributions para sa mga gustong kumuha ng two-month loan.

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Alinman sa dalawang loan na ito ang iyong kukunin, dapat anim sa iyong SSS contributions ay naihulog mo within the last 12 months bago mo i-submit ang iyong loan application.

Dapat din ay below 65 years old ka at the time of application.

HOW TO APPLY FOR SSS SALARY LOAN

Ayon kay SSS Spokesperson Fernan Nicolas, ang pagpa-file ng salary loan ay puwedeng gawin online.

"Kung iyong mga miyembro ay nangangailangan ng tulong, pinansiyal na tulong, qualified kayo sa salary loans natin. Puwede na kayong mag-file online so mababayaran namin kayo kaagad," sabi ni Nicolas sa kanyang interview sa TV Patrol noong March 17.

Maari mo itong gawin through their mobile app or their website, sss.gov.ph.

Sa mobile app, you just have to log in to your account, pumunta sa "My Loans" section, at ilagay ang lahat ng kailangang information para sa iyong loan.


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Kung nais mo itong gawin sa SSS website, mag-log in using your online account o mag-register kung wala ka pang account.

Pagkatapos, pumunta sa "E-Services" section ng homepage, i-click ang "Apply for a salary loan," at ilagay ang lahat ng kailangang impormasyon.


Matapos mong i-file ang iyong application, ipapadala ito ng SSS sa iyong employer for certification.

Continue reading below ↓

PROCESSING TIME

Ideally, three days lang ang processing ng SSS Salary Loan, at ito ay binibigay bilang bank check na ipapadala nila sa iyong employer.

Pero ayon sa report ng TV Patrol noong March 25, kasalukuyang inaayos pa ng SSS kung paano nila ipapadala ang mga check sa panahon ng quarantine.

"Kahit kasi may tseke, walang magde-deliver dahil sarado ang Philpost (Philippine Post Office)," sabi dito.

Gayunpaman, inirerekomenda pa rin daw ni Nicolas na mag-submit na ng loan application ngayon para ready na ang check by the time na puwede na itong ipadala sa iyo.

"Pero kung ako, maglu-loan na ako.

"Kasi once magkaroon ng arrangement ang SSS at Philpost, go na ang sending out namin," sabi Nicolas.

PAYMENT

Ang ini-loan mong halaga ay ikakaltas sa iyong suweldo in 24 monthly installments o two years with ten percent interest per year.

Ang pagkakalatas ay magsisimula sa "second month following the date of loan," ayon sa SSS website.

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Dagdag nila, "Loan amortization not remitted on due date shall bear a penalty of one percent per month until the loan is fully paid."


SSS UNEMPLOYMENT BENEFIT

Kung ikaw ay SSS Member na nangangailangan ng cash assistance ngunit walang trabaho as of the moment, maari kang mag-apply para sa SSS Unemployment Benefit.

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Ayon sa kanilang website, ang programang ito ay cash benefit para sa SSS members "who are involuntarily separated from employment due to retrenchment or downsizing, closure or cessation of operation, installation of labor-saving devices, redundancy, etc."

Kasama rin sa listahan ang "natural or human-induced calamities or disasters" tulad ng COVID-19.

“Kayo pong qualified sa unemployment insurance ay makakatanggap ng allowance for two months," said Nicolas in his interview sa programang Dobol B sa GMA News TV noong March 23.

"Wala pong bayad iyon, at puwede niyo pong i-apply iyon sa loob ng isang taon kaya huwag kayo mag-alala," dagdag niya.

WHAT ARE QUALIFYING CONDITIONS

Ang SSS members na mag-a-apply para sa Unemployment Benefit ay hindi dapat over 60 years old noong natanggal sa trabaho, hindi rin over 50 kung ikaw ay isang "underground or surface mineworker" at hindi over 55 kapag ikaw ay isang racehorse jockey.

Dapat rin nakapagbayad ka na ng at least 36 monthly contributions, kung saan ang last 12 months nito ay kabilang sa 18 months bago ka nawalan ng trabaho.

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Maari mong i-avail ang cash benefit na ito one year since you have been laid off.

Hindi considered qualified ang mga SSS members who lost their jobs because of "serious misconduct, willful disobedience to lawful orders, gross and habitual neglect of duties, commission of a crime, or other analogous cases."

HOW TO APPLY FOR SSS UNEMPLOYMENT BENEFIT

First, get a copy of the following documents:

  • Photocopy of government-issued ID or "any two ID cards or documents, both with signature and at least one with photo."
  • Certification mula sa iyong DOLE Regional Office o sa Philippine Overseas Labor Offices (POLO)
  • Notice o Affidavit of Termination mula sa iyong employer

Second, ilagay ang documents sa isang envelope with your name and contact number.

Pagkatapos, ihulog ang envelope na ito sa dropbox ng SSS branch na pinakamalapit sa iyo. Bukas sila mula 9 a.m. hanggang 2 p.m. every weekday.

May SSS staff member naman na kokolektahin ang submitted documents every hour.

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PROCESSING TIME

Ayon sa SSS website, sisimulang i-process ang iyong request once you have submitted it.

Makukuha mo ang pera gamit ang iyong "SSS UMID card enrolled as ATM or UBP Quick Card Account within five working days from the date of encoding the claim."

Ngunit dahil naka-quarantine ang karamihan ng lugar sa bansa ngayon, magtiis-tiis muna kung sakaling maka-experience ng delay.

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SSS is extending help to its members in need of financial assistance through its salary loan, unemployment benefits, as well as its calamity loans program that will be launched next week, according to SSS Spokesperson Fernan Nicolas.
PHOTO/S: FREEPIKf
  • This article was created by . Edits have been made by the PEP.ph editors.
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