May 18, 2011

Know Your SSS

SSS, as in Social Security System. If you are working for a company, you're category is Employed/Employee. If you have you're own business, you'll be under Self-employed. If you used to work and continued or planning to continue paying SSS, you'll be under Voluntary category.

I'm not going to tackle here the Employee category. I'm sharing this post for people, who just like me have their own business and those planning to be their own boss. If you're currently working and plan to resign, I suggest you continue your SSS contribution before finally resigning so as not to have a gap on your contribution, just like what I did in 2003 before I resigned from my previous work.

What are the benefits when you're an active SSS Member? Sickness, Maternity, Retirement, Disability, Death and Funeral.

Let me give you a more personal experience as an example.

Maternity Benefit: I gave birth to twins Julia and Rafael (I was still employed at that time) in 2002, I got a check worth thirty-three thousand pesos. When I gave birth to Juan in 2006 (I was a Volutary Member already) I got thirty-two thousand pesos. Of course, the amount of benefit you will get will highly depend on the number of contributions you have made, and the amount of contribution you pay to SSS.

Sickness Benefit: I undergo tonisllectomy in 2006. I forgot how much I got from this, but the amount was big enough to cover for the take home medicines I needed then. Being an Events Organizer and Host, my work entails speaking. After each and every event, I'd have throat problems, and each time I get sick, I'd get a check from SSS. Last May 6, I wrote about my pimple gone mad. Here's the Sickness Benefit I received from that infected nose.


Last March 2, I wrote about the middle finger getting infected and all, here's the sickness benefit I received.


Again, you have to take in consideration that the amount of benefit you will get will highly depend on the number of contributions you have made, and the amount of contribution you pay to SSS.

Disability Benefit: I don't like to receive this benefit, I'd like to be able to utilize my whole body.

Retirement: Not yet, 28 more years before my retirement

Death and Funeral: Please God, not yet...I'd long to see my children grow and have a family of their own.

Here's the downside on being a Voluntary and Self-Employed Member:

1. You have to get all the necessary forms in SSS Office (unlike when you're employed, you just have to ask the HR Department)

2. If you get sick, you have to consult a doctor, get certificate and make sure that the doctor fill-up and sign the SSS Sickness notification form, otherwise SSS will not honor and give you the necessary benefit.

3. You have to personally submit the said SSS Sickness Notification Form at the nearest SSS Office, unless the condition is really impossible for the member to travel.

4. Worst of all, you have to face the grumpy (most of them are, I'm sorry to say that) SSS employees, who seem to lack social skills when dealing with SSS Members.

Calling the attention of SSS big bosses: train and give SSS Frontliners Customer Service Seminars. If SSS Frontliners will be half as nice as the Philhealth Frontliners, I'd believe in miracle!

Why am I sharing? I realized, that there's still a government agency that really work for it's members. Know your SSS and make it work for you. To learn more, you may log on at http://www.sssphilippinesonline.com/




15 comments:

  1. Informative post Mommy Joy, especially to those who have no idea that it's possible to be an SSS member even if unemployed. I am a voluntary member and were able to get a maternity benefit from them.

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  2. Thanks for reminding me Mommy Joy. I need to pay my voluntary contributions na rin for some future expenses ;) wink wink

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    1. Hi Kat! Were you able to update your SSS already?

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  3. very nice and wise mommy joy. i was not able to immediately continue paying my sss payments when i resigned. thankfully, with my mother in law now, she makes the payments (which means making the receipts and paying at the bank) along with the rest of the employees so my account was reinstated and was able to get hospitalization and medical benefits. gots P13k from my CS ha!

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  4. Very informative. I worked before in Ortigas. When I was in college, I worked as a service crew at Greenwich but when I came here in the US, I forgot about my SSS. Is there, by chance I can still make a voluntary contribution? I'm just not sure.

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    1. Hi Hazel! Were you able to update your SSS already?

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  5. which reminds me that i have to update my sss contributions, it has been a year now since i stopped working, i'd be paying for a year's worth of contribution, just to be sure i'll receive something come retirement years + my son will receive something in case something comes up..but i agree, i had a very bad experience with both sss branches in makati + malolos, they need to learn a thing or two about customer service + social relations...:)

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    1. Hi Vix! Were you able to update your SSS already?

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  6. thanks for this mommy joy! i will put this in my check list to discuss with our HR before my last day at work. :)

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    1. Hi Nicq! Were you able to update your SSS already?

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  7. this is super duper nice post ms. Joy, thanks for sharing! :)

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    1. Hi Levy! Were you able to update your SSS already?

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  8. I had one gap in my contribution. I resigned in May and thought the company will still pay for my contribution so I just started with June. I hope it will not have any effect when I file for a sickness contribution this week for an eczema gone mad!

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Thank you for the joyful comments!