SSS Discussions

[catherine ann]

Sabi sa akin nung taga SSS importante raw yung last 5 years na contribution mo bago ka magretire at yung friend ng mom ko na nagtrabaho nung 20 years old sya at nagstop na magwork nung 40 years old sya at nung 60 sya maliit lang  ang monthly pension nya (2K) compared sa nagretire at up to 60 na nagcocontribute sa SSS.

[Zouz]

I have 90 months contribution already with SSS as of Dec 2009 as voluntary so I plan to pay the remaining 30 months para me makuha naman akong money. Before, ang hinuhulog ko ay P1560 kasi yun ang hinuhulog ng company ko dati but when I asked yesterday kung pede ko itong babaan, they said up 2 brackets lower lang daw sabi ng staff ng SSS. I told her na pano kung wala talaga akong maihuhulog pero gusto ko talaga ay continuous ang payment ko. She said try ko daw maghulog P1040 monthly. But after reading this thread, I realized I should only pay kahit P572 nalang. When I checked online how much I will get sa maternity benefit ko since nanganak ako last May, P15+ lang pala. Eh sa una ko when I was working with my previous company, I got P30K. I only started as a Voluntary member last July 2008, and from July 2008-September 2009, 1560/month and hinulog ko, mas malaki pa sa makukuha ko. October-Dec 2009 P1040 per month nalang. So starting this month, I'll check if I can pay P572/month since sa SM naman ako nagbayad kahapon for my 3 months contribution. So its not worth it for me. I'll just get my money after 3 years since malapit na rin naman. And I'll try to invest the money na para sa SSS sa ibang means nalang dahil based on my computation dahil 30 yrs old ako ngayon at kung 1560/month ang ihuhulog ko P1560x360 contributions or equivalent to 30 yrs before I can retire and get my pension=P561,600. Eh gaano pa itatagal ko nun kung 60 yrs old na ako? Mas OK ang SSS sa mga employed. Pero opinion ko lang naman ito.

[richel0002]

you can just pay for a minimum of 10 years. pag 20 years, 2 times ng makukuha mo daw compared kung ilang taon ka nagbayad sabi ng mommy ko..

[hersmart4ever]

May balance pa ako sa SSS kasi nag resign ako nun. Reading this thread made me remember that. Balak ko nang i settle at ituloy kasi sayang din yung makukuha ko upon retirement.

[chardonnay]

Pano mga sis yung contri rate sa self employed? pano ba ginagamit yung bracket bracket nila? Need pa ba submit ng proof of ur income? Ano yung mga yun? thanks!
Parang masalimuot pa kaso baka naman pag declare ka as volunteer, mababa lang ang pede mo ihulog.
Kindly clarify . thanks!

[Zouz]

Hi Chardonnay,

I don't know about Self-employed pero ako I filed as Voluntary kasi galing ako from an employer. Iniisip ko kasi na baka pag self-employed ang ifile ko, hanapan pa ako ng ITR hehe. Pero as voluntary, hindi ako tinanong regarding any bracket, Sinundan ko lang [textspeak!] previous payment ng company ko pero pinakamataas pla binabayad nila P1560. But nung nag inquire ako kung pede babaan, pede naman daw. So depende na lang sa budget mo how much you are willing to pay.

[chardonnay]

^ Oo nga sis. Parang hihingi pa ng proof of income tapos early retirement pa is 65yo. Though it's really a must to declare yourself as self employed if u really are.

Employed pa naman ako kaso I am thinking of putting my own business later. Kaso pag voluntary ka na pala you have to shoulder the whole P1560 maximum contribution unlike when we are employed, we only pay P500 and the rest is shouldered by the employer. So medyo nag iisip ako kung itutuloy ko sya later or i lump sum ko na lang.

Another issue is, the computation of your monthly pension is based on your average monthly salary and no. of payments. (as per their site) What will be the salary basis for voluntary contributors? Lugi naman yata tayo sa currently employed by that time who can produce a payslip showing their high income.

Tapos me issue pa na it's the last 5 years of payment that will be crucial in the computation. Pano kung in those days binabaan ko ang contri ko, bababa din pension ko. MEdyo magulo pa talaga hehe. Sensya na ang haba

[kettlekorn28]

Buti na lang na-open ko tong thread na to. I've been unemployed for almost 2 years na, stay-at-home wife ako. This thread made me realize that I should continue paying my contributions. Big help na rin kung ma-preggy ako. At ayoko din naman umasa sa pensyon ni hubby pagtanda namin. Dapat may sarili akong pensyon.

[chardonnay]

^ Korek ka sis. Yun din isa pang habol ko, maternity benefits. Nagkalkal ako ng SSS site yesterday. May I sample pa ako kung magkano makukuha ko in case I would file that  . P30k din yung lumabas. Tapos I also tried my would be monthly pension using their given computation, I ended getting P16k+ (sana lang tama ang computation ko hehe) ...at sana lang me value pa yan sa year 2030+ pag retire ko. 

Me mga part pa rin na malabo reg computation pero ni follow ko lang naman yung posted formula nila.

I might just follow what one of our sisses has told. I lump sum ang 1st 10 years of contri. Might use in business then kuha ng life insurance as back up.

[Zouz]

Correct ka dyan Chardonnay! Yan din ang plan ko, konti nalang antayin ko, 30 mos. at ng mai lump sum na. Tutal kung crucial ang last 5 years, pede pa humabol. Or try maghulog ulit after ng lump sum. Actually, I was not paying my SSS when I learned that I was pregnant. Una kong ginawa, habulin ang pede kong mahabol. I forwarded my Mat-1 and Mat-2 last Dec 22. Ang sabi sakin, iff up ko daw after 1 month. So I may drop by next week to see kung me computation na sila o kung ano na status ng documents ko. I gave birth May. August 2007 last contri ng company ko. Ang nahabol kong bayaran simula July 2008 hanggang ngayon. I am curious to know how much I will be getting. Pero based sa online computation P15K+. Sana tumaas pa, kahit konti lang..

[chardonnay]

^ Paano kaya computed un sis? ako kasi try ko kunyari delivery month is feb, 30k ang lumabas pero pag dec nilagay ko, P19k lang. Akala ko basta atleast 6 month updated ka sa payment, u'll get the max benefit.

Tsaka pede pa pala claim kahit medyo matagal ka na nakapanganak? Yung iba kasi the moment pa  lang nalaman na buntis, naka file na agad ng Mat-1

[Zouz]

Hi Chardonnay,
Di me sure pero ang nilagay ko kasi ay kung kelan ako nabuntis, I mean di ba kinocompute ni doctor 1st day ng mens mo to know kung kelan due date mo, So yung info na yun ang nilagay ko. Tapos yun ang lumabas na value. Yung pag claim ng benefit, sabi sa SSS basta in less than 10 years dapat mafile. Wag daw paabutin ng 10yrs old si baby kundi forfeited na. Pero alam ko dapat nakafile kaagad talaga ang MAT-1 sa kanila, atleast within 60 days from the time na nabuntis ka. Dapat naabiso mo kaagad sa kanila. Yung pag file ng MAT-2, yun ang pede magfile ka in less than 10 yrs from the time na nanganak ka. Kasi  yun ang reimbursement na

[chardonnay]

^ I see. thanks sis. okay. prob na lang is kung kelan ako magbubuntis hehe.

[tabbru]

YES, worth it. Kahit papano, malaking tulong din ang SSS sa panahong ito.

[orangepulp]

Mukhang worth it yung SSS kasi parents ko retired na so may nakukuha sila bwan bwan from SSS pero dapat hwag lang mag-depend sa SSS. Nakakatulong if may ibang investments ka rin.

[ms_guimba]

I went to the SSS office in our province to update my status and my goodness! The line was so long! Judging from the line, it would take a whole day just to change my status from self-employed to voluntary. I was thinking, why get into this bureaucracy when I can just have a separate savings account? After all, the returns will be just as good as having a savings account and BPI even has this life insurance thingy when you have a savings account with them.

Sis souz, tama ka yata to say that SSS is better for those who are employed. Pero sa self-employed, mag-ipon ka na lang ng sarili mo. Processing lang ng papers, sobrang tagal na.

I wonder, kung may contributions ka before, like for 10 months, puwede kayang kunin yun? Kasi sayang din yung binayad mo for those months, di ba?

[helencons]

sis, you don't have to line up to SSS in order to change your status.all you have to do is go any SM accredited SSS station, fill up the RS5 form, tick the voluntary member box and pay up your contribution.by doing that, the system automatically recognizes the change in your status

[aleng_maganda]

   magkano po makukuha na na monthly pension if yung pinakamataas ang hinuhulog na na 1,5++ a month. is it 10k a month? and kasi si hubby may sss number na pero nawala yung card nya and hindi nya matandaan yung number nya san pwede itanong kung ano yung number nya. TIS

[Zouz]

Aleng maganda,

Just ask your husband to go to any SSS office and inquire. Dala lang siya any proof of identification. If employed siya, I think his company should have the information regarding his SSS number since sila naman ang nagbabayad for his SSS.

By the way, I just checked online and saw that my pending SSS maternity reimbursement has been processed- Delivery Date: (Date) already settled.

Pinasuyo ko sa tita ko na tumawag sa hotline ng SSS, sabi Jan 28 daw nagawa ang tseke ko. Antay ko till end of next week yung tseke. Lito lang ako kasi ang sabi P30K daw makukuha ko (Sana totoo) pero sabi ipadala daw sa company ko.. E voluntary member na ako?? Kakalito. Sana tama ang amount at sana sa bahay ko maipadala at 3 yrs na akong separated sa company, baka maligaw pa ang tseke. Dec 22 ko nga pala sinubmit Mat-2 ko so mabilis naman ang processing nila.

I'll update you kung tama iyong binigay na info sa hotline. Sana totoo kasi 10 months ding hindi ako nakapaghulog. Hinabol ko lang ang pede kong mahabol nung nalaman ko na buntis ako. After 3 years, i lump sum ko na. Time deposit na lang siguro para di magalaw ang pera tapos savings na lang yung iba para continuous pa rin (kunwari naghuhulog lang ako sa SSS)

[Zouz]

I just want to update you guys. Just got my check from SSS yesterday. I got the maximum (P30K)  . Salamat po!! So kahit 10 months akong di nakapaghulog, yung over-all contribution ko ata ang pinagbasehan nila since mataas naman ang hulog ng company ko dati. Yun lang! Atleast me budget na for baby's 1st birthday..