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Thursday, February 21, 2019

What Is A Temporary SSS Number And What Do You Need To Do If You Have It?

As a worker, whether you have a job in the Philippines or overseas (OFW), it is important that you have insurance like the Social Security System (SSS) or any private insurance provided by your company abroad. It can assure you of benefits should anything untoward happened to you. It is indeed a great help to you and your family.

As a worker, whether you have a job in the Philippines or overseas, it is important that you have insurance like the Social Security System or any private insurance provided by your company abroad. it can assure you of benefits should anything untoward happened to you. It is indeed a great help to you and your family.     Ads    As a local worker, being a member of the SSS assures that you can avail of the benefits. SSS membership can be determined by having an SSS number. But what will you do if you are given a temporary SSS number? Can you still be able to avail the benefits enjoyed by regular members?    What is a temporary SSS Number?  Is it different from a regular SS Number?    A temporary SS Number is issued to members who have not yet submitted their birth certificates and the date of birth was not yet verified by the SSS. Just like a regular SS Number, the 10-digit temporary SS number is also proof that you are an SSS member and it will serve as your lifetime SSS number once it is verified.     Can you avail the benefits if you are holding a temporary SS Number?  As a temporary SS number holder, you can also pay your contribution as a voluntary or self-employed member or through your company just like a regular member.  However, only the regular SS Number holder can avail of the benefits and privileges. Temporary SS Number holders are not allowed to avail their benefits and privileges unless they had already verified their age and birth date by submitting a copy of their birth certificate from the Philippine Statistics Authority (PSA).    What will you do to have your temporary SS Number verified to be a regular SS Number and avail the benefits?    If you do not have a birth certificate yet, you can submit valid documents or ID's listed at the back of the SS Form E-1 or E-4.    You can also do a late registration of your birth certificate. Just go to your local civil registry where you were born and have yourself registered. You will then be able to request a copy of your birth certificate to the PSA. Submit it to the nearest SSS office for verification of your identity and have your temporary SS Number become regular and avail of the benefits provided by SSS.      For more information, you can visit the SSS official website to go to any SSS offices nearest to you.
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As a local worker, being a member of the SSS assures that you can avail of the benefits. SSS membership can be determined by having an SSS number. But what will you do if you are given a temporary SSS number? Can you still be able to avail the benefits enjoyed by regular members?

What is a temporary SSS Number?
Is it different from a regular SS Number?

A temporary SS Number is issued to members who have not yet submitted their birth certificates and the date of birth was not yet verified by the SSS. Just like a regular SS Number, the 10-digit temporary SS number is also proof that you are an SSS member and it will serve as your lifetime SSS number once it is verified. 

Can you avail the benefits if you are holding a temporary SS Number?
As a temporary SS number holder, you can also pay your contribution as a voluntary or self-employed member or through your company just like a regular member.
However, only the regular SS Number holder can avail of the benefits and privileges. Temporary SS Number holders are not allowed to avail their benefits and privileges unless they had already verified their age and birth date by submitting a copy of their birth certificate from the Philippine Statistics Authority (PSA).

What will you do to have your temporary SS Number verified to be a regular SS Number and avail the benefits?

If you do not have a birth certificate yet, you can submit valid documents or ID's listed at the back of the SS Form E-1 or E-4.

You can also do a late registration of your birth certificate. Just go to your local civil registry where you were born and have yourself registered. You will then be able to request a copy of your birth certificate to the PSA. Submit it to the nearest SSS office for verification of your identity and have your temporary SS Number become regular and avail of the benefits provided by SSS.
  
For more information, you can visit the SSS official website to go to any SSS offices nearest to you. 
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A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.       Ads           The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.   According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.   One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig.    Among other statistics are:   6% feel discriminated   9% is not being treated well by their employers   3% have never received their wage on time   8% are earning less than the statutory monthly required salary   3% still have to pay their home agency   46% still have to pay a local agency  These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.


A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.       Ads           The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.   According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.   One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig.    Among other statistics are:   6% feel discriminated   9% is not being treated well by their employers   3% have never received their wage on time   8% are earning less than the statutory monthly required salary   3% still have to pay their home agency   46% still have to pay a local agency  These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.
In the real world, availing loans is sometimes inevitable. Financial problems often come unannounced and if you do not have enough savings, you most probably end up getting a loan from a friend, a loan company or a bank. Many overseas Filipino workers (OFW), for example, avail loans specifically designed for people working abroad and seafarers.   https://www.jbsolis.com/2019/02/move-to-these-places-and-get-paid-if.html    Ads    In the society we live in, applying for a loan correlates to debt. In reality, loans actually help people build and establish a credit history to which banking and finance companies refer.   In applying for a loan, whether from a loan company or from a bank, having a good credit history helps you to be approved quickly.    However, there are many types of loans designed for specific needs. Terms and conditions in each type are also different.  In this article, we will break down for you the types of loans and help you decide which ones do you need.   OFW loan – OFW loans work similarly as personal loans but are specifically offered to overseas Filipino workers with valid contracts. A co-borrower or immediate relative based in the Philippines is required. It usually has flexible payment terms to accommodate the specific needs of OFWs and their families.   Personal loan – Personal loans are usually unsecured loans, which means it’s based purely on an individual’s credit score and does not require any collateral, unlike secured loans. The interest rates may range from 1.2 percent to 8 percent, depending on the financial institution. Payment terms are typically shorter, from six to 60 months.  Car loan – Car loans are for people who don’t have enough cash to shoulder the full purchase of a vehicle. It has flexible payment terms of three to five years. To apply for a car loan, simply submit valid IDs and proof of income to get pre-approved. It may be required to have the down payment for the car to get approved.  Business loan – Business loans can be used for a new business or the expansion of an existing one. Examples are line credit, equipment loan, and conventional business loan. Terms depend on the nature of the business and the agreement between the borrower and the lender.  Home loan – Housing loan interest rates are decided between the borrower and the financial institution, with payment terms ranging from five to 30 years. The lender maintains property rights as collateral, and an appraisal fee typically applies.  Credit cards or cash advances – Cash advances are short-term loans with higher interest rates and are typically paid for the following month. Some credit card companies offer longer terms, from three to 12 months. The amount a person can borrow depends on their credit limit.
A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.       Ads           The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.   According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.   One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig.    Among other statistics are:   6% feel discriminated   9% is not being treated well by their employers   3% have never received their wage on time   8% are earning less than the statutory monthly required salary   3% still have to pay their home agency   46% still have to pay a local agency  These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.

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