MANILA, Philippines — UPANG maiwasan ang problema sa disbursement ng loan o anumang benepisyo, hinihikayat ngayon ng Social Security System o SSS ang mga miyembro nito at mga sakop na employers na siguruhin ang tama at active na disbursement account para sa online enrollment sa Disbursement Account Enrollment Module (DAEM) sa pamamagitan ng My.SSS portal.
Ayon kay SSS President at CEO Aurora C. Ignacio na mababasura lamang ang disbursement account enrollment application ng miyembro kung hindi tama ang inilagay na account number o hindi wasto ang inapload na proof of account.
“We urge our members and covered employers to triple-check the information they have entered before submission to the SSS to avoid inconveniences in their disbursement account enrollment,” ang naging pahayag ni Ignacio.
Sa pagparehistro, sinabi ng SSS na dapat siguruhin ang mga sumusunod:
Ang bank account ay kabilang sa Philippine Electronic Fund Transfer System and Operations Network (PESONet) participating bank.
Ang pangalan ng miyembro o business name ng employer na naka-rehistro sa SSS ay pareho sa bank account na in-enroll.
Dapat din na siguruhin na ang inilagay ay bank account number at hindi ATM card number.
Sa mga cash cards na inisyu ng mga banko, dapat siguruhin na pinapahintulutan ng banko ang paggamit nito para sa SSS disbursement.
Siguraduhin din na sunod-sunod ang pagkalagay ng account number, walang space at walang non-numeric characters.
Para naman sa e-wallets at Remittance Transfer Companies (RTCs)/Cash Payout Outlets (CPOs), ang mga mobile numbers ay dapat na nakasulat sa format na 09171234567 or 09181234567, walang space o non-numeric characters.
Bilang dagdag na verification process upang maiwasan ang panloloko sa enrollment ng disbursement account at upang ma-validate ang ownership ng enrollee, kinakailangan ng mga miyembro o ng employers na mag-upload ng proof of account sa pamamagitan ng DAEM.
Kabilang sa mga tinatanggap na proof of accounts ay ang photo o scanned copy ng mga sumusunod:
Passbook
ATM Card
Validated Deposit Slip
Bank Certificate/Statement
Foreign Remittance Receipt
Screenshot ng online o mobile banking account
Mobile app account para sa e-wallets
Ngunit dapat na siguruhin ng mga miyembro na ang mga photos o scanned documents ay mababasa at colored.
Ipinaliwanag naman ng SSS sa mga miyembro at sakop na employers na iba-iba ang disbursment channels ng bawat benepisyo at loans.
Sa ngayon, ang Retirement, Disability, Unemployment, Sickness at Maternity Benefits ng mga individual members gayundin ang Funeral at Death Benefits ng mga beneficiaries na miyembro din ng SSS ay ibinibigay sa pamamagitan ng UMID-ATMs, Union Bank of the Philippines (UBP) Quick Cards, PESONet participating banks, e-wallets, at RTCs/CPOs.
Binabayaran naman ng SSS ang Sickness at Maternity Benefit Reimbusement sa mga employers sa pamamagitan ng PESONet participating banks.
Ang pension loans at short-term member loans gaya ng Salary, Calamity, at Emergency ay nire-release sa pamamagitan ng UMID-ATMs at UBP Quick Cards. Ang mga short-term member loans ay maari din na i-release sa pamamagitan ng PESONet participating banks.
“Currently, we are receiving a high volume of applications in the DAEM. In response to this, we have assigned more employees to verify applications,”
“We advise our members to refrain from going to our branches to follow-up on their disbursement account applications. Rest assured that we are continuously looking for ways to improve and expedite the DAEM verification process,” dagdag na pahayag ni Ignacio.
Matatandaan na sinimulan ng SSS ang pagpapatupad ng mandatory enrollment ng disbursement accounts sa PESONet-participating banks, e-wallets, or RTCs/CPOs in the DAEM noong nakaraang taon para sa mabilis at seguradong pamamaraan ng pagtanggap ng benepisyo o loan disbursement.
MANILA, Philippines — KUNG may trabaho na o may kakayahan nang maghulog ng contribution, mas mabuting magpa-miyembro na sa Social Security System o SSS. Mas maaga, mas maganda dahil sa iba't-ibang benipisyong maibibigay nito sa iyo, bilang miyembro maging sa iyong mga benipisyaryo.
Sa ngayon, dahil sa pandemya dala ng Coronavirus disease o Covid-19, mas pinadali at pinabilis ng SSS ang proseso para sa application ng SS Number.
Para ito sa mga indibidual na mag-aapply ng SS number sa unang pagkakataon. Pag may SS number na, mas maging madali na ang pag-gawa ng My.SSS Online Account.
Sa pamamagitan nito, mas magiging madali para sa isang miyembro na i-check ang kanyang contribution, makapag-apply ng loan at ibang benipisyo bukod sa ibang pa serbisyo na hatid nito sa mga SSS members na hindi umaalis sa kanilang bahay.
3. Basahin ang step-by-step guide, pagkatapos i-click ang "Start."
4. I-encode ang lahat na hinihinging impormasyon bilang bahagi ng Phase 1 Registration Process. I-tick ang box sa tabi ng "I'm not a robot" at i click ang "Submit."
5. Ang aplikante ay makakatanggap ng email na may link na magda-direct sa Phase 2 ng Registration Process.
Laging tandaan na may limang araw lamang ang aplikante para kompletuhin ang application process bago mag-expire ang link.
Sakaling hindi ito magawa ng aplikante sa loob ng limang araw, babalik na naman ito sa unang proseso ng application.
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6. Tapusin ang Phase 2 ng registration process sa pamamagitan ng pag-encode ng lahat na mga impormasyong hinihingi.
Siguruhing mailagay ang tamang address at contact information maging ang iyong preffered User ID para sa iyong My.SSS account at UMID ATM details (optional).
I-review ang mga inilagay na detalye bago i-click ang "Proceed"
Maaaring isulat sa isang papel ang mga impormasyong importante upang hindi makalimutan.
7. Hihilingin sa aplikante na pumili at mag-upload ng isang supporting document para sa tagging ng SS number nito sa "Application Thru the Web - With Submitted Documents."
8. Pumili ng uri ng supporting documents na ia-upload, hanapin at i-upload ang file na hinihingi at i-click ang "Submit".
Siguruhing mababasa o readable colored images o nasa PDF form ang file na ia-upload na may maximum file size na 2MB only.
9. Kung pilipiin naman ng aplikante na ipagpatuloy ang registration na walang ina-upload na documentary requirement, may lalabas na notification box na nagpapa-alam sa miyembro na maaaring magawa nito ang pag-submit ng mga dokumento sa pamamagtan ng My.SSS account.
Makikita ito sa Online Member Data Change Request — Simple Correction na maaaring magawa kung may SS number na ang isang miyembro.
I-click lamang ang "Yes" pagkatapos i-click ang "Submit."
10. Sa prosesong ito, maaari nang i-print o i-download ng aplikante ang E-1/E-6, Transaction Number Slip at SS Number Slip.
11. Makakatanggap ng dalawang email ang aplikante: Isa dito ang nagkukumperma ng kanyang SS Number Online Application habang ang isa naman ay naglalaman ng kanyang password set-up ng kanyang My.SSS Account, na kailangang i-activate ng miyembro.
Laging tandaan na ang accout activation at dapat gawin sa loob lamang ng limang araw dahil pagkatapos nito, mag-e-expire ang link at babalik na naman sa regular My.SSS registration ang miyembro sa pamamagitan ng Member Portal sa SSS website.
12. Pagkatapos ma-click ang link, i-lalagay ng miyembro ang huling 6-digits ng kanyang CRN/SS Number.
I-click ang "Submit."
13. Ilalagay ng miyembro ang nais nitong password at iko-confirm bago i-click ang "Submit."
Dahil online na ang proseso, maaaring magawa ng sinoman ang pag-apply ng SS Number, kahit saan, kahit kailan sa basta't mayroon itong internet.
MANILA, Philippines — BILANG individual member ng Social Security System o SSS, magiging bahagi na ang paggamit ng Payment Reference Number o PRN sa pagbabayad ng anumang uri ng loan sa SSS.
May iba't-ibang paraan para makakuha ng PRN. Maaari itong makuha sa mga text message o Email mula sa SSS. Magpapadala ang SSS ng PRN Loans Billing Notices sa mobile number at email ng miyembro na naka-rehistro sa SSS.
Maaari din itong makuha sa mga SSS Branches sa pamamagitan ng Self-service Express Terminals o SETs, E-centers, at over-the-counter.
At isa sa pinaka-madali ay ang pagkuha ng PRN sa My.SSS Account sa SSS website.
Para sa mga individual members ng SSS gaya ng mga self-employed, voluntary at OFW-members, narito ang simpleng paraan para makakuha ng PRN sa pagbabayad ng inyong mga SSS loans.
By default, ang "Amount to be Paid" portion ay parehas lamang sa "Amount Due.
Ngunit maaari mong baguhin ang "Amount to be Paid" sa pamamagitan ng pag-enter ng halagang nais mong bayaran.
Ngunit laging tandaan na maaaring magbayad ng mas maliit o mas malaki sa amount due ngunit hindi maaaring magbayad ng mahigit sa halaga ng "Outstanding Balance" ng iyong loan.
Lalabas naman ang error message sakaling mas malaking amount ang inilagay sa "Amount to be Paid" kumpara sa iyong Outstanding Balance.
Dahil sa mas pinalawak na payment channel ng Social Security System o SSS, maaari nang matanggap ng mga pensioners at borrowers ang kanilang pera sa pamamagitan ng electronic wallet o remittance center.
Kasunod ito ng partnership ng SSS at Development Bank of the Philippines (DBP). Sa ilalim ng partnership, maari nang matanggap ng mga SSS-qualified employers, members at pensioners ang kanilang pera sa pamamagitan ng Philippine Electronic Fund Transfer System and Operations Network (PESONet) participating banks.
Maliban dito, maari din na matanggap ng mga kwalipikadong miyembro at pensioners ang kanilang SSS benefits sa pamamagitan ng e-wallets kagaya na lamang ng PayMaya o cash pick-up arrangement sa pamamagitan ng DBP Cash Padala Thru M Lhuillier, isang Remittance Transfer Company/Cash Payout Outlet.
Layunin ng pagbabago na mapadali ang pamimigay ng benipisyo at short-term loans. Sa implementasyon nito, tuluyan nang hininto ng SSS ang pamimigay ng benipisyo sa pamamagitan ng tseke.
Dahil dito, hinihikayat din ng SSS ang mga qualified payees at member-borrowers na i-enroll ang kanilang disbursement account sa Bank Enrollment Module (BEM) na makikita sa ilalim ng E-service tab sa kani-kanilang My.SSS account sa website ng SSS na www.sss.gov.ph.
Pero, paano nga ba ito gagawin? Narito ang 6 Steps on How to Enroll Your Disbursement Account in your My.SSS Account!
Sakop o kailangang magpa-enroll dito ang lahat na mga employers, empleyado at mga individually-paying members kagaya ng mga self-employed, OFW at voluntary.
Sa iyong disbursement account idi-deposito ng SSS ang pera mula sa iyong benipisyo o loan application.
Exempted naman sa enrollment ang mga may UMID-ATM cards dahil dito na diretsong papasok ang halaga ng pension mo o loan mula sa SSS.
I-click lamang ang Disbursement Account Enrollment Module (DAEM) sa ilalim ng E-Services tab.
STEP — 3
Basahin ang reminders ukol sa account enrollment, i-check ang box na nagsasabing nabasa at naintindihan ninyo ito bago i-click ang "Proceed"
STEP — 4
Piliin ang iyong PESONet Participating Bank/ E-wallet/ Remittance Transfer Company (RTC)/ Cash Payout Outlet (CPO) mula sa drop down menu at i-encode ng dalawang beses ang hinihinging disbursement account number o mobile number.
STEP — 5
I-check ng box na nagsasabing sumasang-ayon kayo sa Data Collection and Usage Clause.
I-click ang "Enroll", at i-click ang "OK".
STEP — 6
I-check ang inyong email inbox ara sa Confirmation Notice mula sa SSS.
Samantala, narito naman ang mga important reminders ng SSS kung kayo ay mag e-enroll ng inyong disbursement account. Pina-alalahanan din ng SSS ang mga kwalipikadong payees at member-borrowers na siguruhing tama ang kanilang disbursement information bago ito i-enroll.
As a member of Social Security System (SSS) you are not just limited to housing and salary loan. Because SSS has several loan programs for those members who want to start a business and those who have a business and want to expand it.
In SSS business loan, you can avail Business Loan Development Facility, Social Development Loan, ASENSO Loan Program and Fixed-Term Credit Facility Loan.
Business Development Loan Facility
The Business Development Loan Facility is a lending facility of the Social Security System (SSS) designed to contribute to the nation's economic growth and development by providing financial assistance to the business sector for the purpose of increasing productivity and enhancing potential earnings through expansion, diversification and other business development projects.
It also aims to support the government's program of invigorating economic activity and providing more employment opportunities.
(Watch:Panayam kay Adelwisa O. Carandang, kaugnay sa SSS Business and Social Loan Programs)
Eligible Borrowers
The eligible borrowers shall be new or existing private industries and enterprises including registered Barangay Micro Business Enterprises (BMBEs) with the following qualifications:
1. Single proprietorship, Partnership or Corporation, as least 60% Filipino owned, including cooperatives and non-governmental organizations;
2. Engaged in any business activities allowed/registered under the Philippine laws such as but not limited to the following:
Manufacturing - garment, ceramics, textile, furniture, construction materials
Commercial Production - particularly of food and basic consumer items and products for export
Service-Oriented Enterprises - transportation, warehousing, utilities, communications, etc.
Tourism Related Projects - hotel, resort, theme park, etc.
Real Estate Development Projects - industrial estate development
Sustainable Energy Projects - construction of green building, waste management system, sewerage treatment plant, etc.
Extractive Industries - mining, quarrying, dredging, oil and gas extraction projects
Forest Development Projects - plantation, reforestation, regeneration and other forest-related projects
Trading Business
Leasing/Lending Business
3. Have proven track record of profitability for existing enterprises; provided that if the company incurred losses in any year during the past three (3) years, the average income of past two (2) or three (3) years should be positive. The three (3) year track record of profitability may be waived for enterprises which started operations during the last five (5) years. In any case, the borrower should be able to justify projection of viable operations with debt-equity ratio not exceeding 3:1 after financing; and
4. Must be an SSS member-employer in good standing.
The borrower is also subject to other criteria and policies which the Social Security Commission may impose from time to time.
Loan Purposes
The loan may be used for the following purposes:
Site development;
Enhancement or modernization of existing facilities;
Construction or repair of building and other civil works;
Acquisition or repair/upgrading of machinery and equipment including furnishings;
Acquisition of existing facilities;
Acquisition of land (up to 50% of the acquisition cost); or
Working capital
Social Development Loan Facility
The Social Development Loan Facility is a lending facility of the Social Security System (SSS) designed to provide long-term loan assistance for the development of facilities and establishments of institutions that provides quality education or other academic training programs and affordable medical or health care related services to the general population and to SSS members and their dependents.
It also aims to support the program of the national government to attain a better distribution of educational and hospital facilities throughout the country that will be more responsive to the needs of the particular localities and their inhabitants.
Eligible Borrowers
1. New or existing private medical institutions licensed by the Department of Health (DOH) either as primary, secondary and tertiary hospital including institutions for the aged or infirmed individuals.
2. New or existing private educational institutions, i.e. toddler/day care learning center, preparatory/elementary/secondary schools, collegiate/university level, school for special educations (SPED) as well as vocational and technical institutes which are duly licensed by the Department of Education (DepEd), Technical Education and Skills Development Authority (TESDA), Commission on Higher Education (CHED) and Department of Social Welfare and Development (DSWD).
3. At least 60% Filipino-owned corporation/partnership/single entity
4. Have proven track record of profitability for existing enterprises; provided that if the company incurred losses in any year during the past three (3) years, the average income of past two (2) or three (3) years should be positive. The three (3) year track record of profitability may be waived for enterprises which started operations during the last five (5) years. In any case, the borrower should be able to justify projection of viable operations with debt-equity ratio not exceeding 3:1 after financing; and
5. Must be an SSS member-employer in good standing.
6. The borrower is also subject to other criteria and policies which the Social Security Commission may impose from time to time.
Loan Purposes
The loan may be used for the following purposes:
Site development;
Enhancement or modernization of existing facilities;
Construction or repair of building and other civil works;
Acquisition or repair/upgrading of machinery and equipment including furnishings and other educational materials;
Acquisition of existing facilities;
Acquisition of land (up to 50% of the acquisition cost); or
Working capital
Where to avail Business Development Loan and Social Development Loan
SSS member-employers may avail of the loan facility through the SSS accredited participating financial institutions (PFIs) which will on-lend the fund to eligible borrowers for financing.
The loan application shall be filed with any of the following SSS' accredited participating financial institutions (PFIs):
BDO Unibank, Inc. 6/F Equitable PCI Bank Tower 1, Makati City Contact Person: Ms. Vivian D. de Chavez - Senior Manager Tel. Nos. 878-4567; 878-4570 (fax)
Development Bank of the Philippines Sen Gil Puyat Ave., Makati City Contact Persons: Mr. Jose Pepito A. Yusingbo - Manager and Officer-in-Charge,SME Unit Ms. Leonore L. Tianco Tel. Nos. 812-9932; 818-9511 loc. 2305
Land Bank of the Philippines Land Bank Plaza, 1598 M. H. del Pilar, Malate, Manila Contact Person: Ms. Lina Soriano - Program Officer Tel. Nos. 405-7640; 522-2200; 551-2200; 405-7198
Philippine National Bank 3/F PNB Financial Center Pres. Diosdado Macapagal Blvd. Pasay City Contact Person: Ms. Katrina Jane O. Mayoca - Asst. Manager 2, Financial Institutions Division Tel. Nos. 573-4661; 526-3131 loc. 4661
Philippine Veterans Bank 101 V.A. Rufino St. Legaspi Village, Makati City Contact Persons: Mr. Plato C. Tirol - Officer-in-Charge, Investment Banking Division Ms. Karina P. Rodriguez - Account Officer Mr. Edward S. Lectura - Account Analyst Tel. Nos. 846-5933 loc. 2101, 2105 and 2118
Planters Development Bank 314 Buendia Ave., Makati City Contact Person: Ms. Quennie Medrano - Senior Manager Tel. No. 884-7600 loc. 5183
LOANABLE AMOUNT
(Business Development Loan and Social Development Loan)
The maximum loanable amount shall be the lowest of the following, provided the borrower's debt-equity ratio after financing shall not exceed 3:1 and that its total loan with the SSS shall not be more than five percent (5%) of the SSS Investment Reserve fund (IRF):
1. Amount of loan being applied;
2. Actual need of the borrower (total project cost)
3. Loan value of the assigned collateral or securities; or
4. Maximum of P500.0 million per borrower.
INTEREST RATE
The interest rate of the loan may be variable or fixed based on the prevailing SSS pass-on rate to PFI plus PFI's spread. The prevailing interest rates shall be reviewed monthly.
TERM OF THE LOAN
The loan shall be payable monthly, quarterly, semi-annually or annually based on the PFI's approved amortization schedule and shall have a maximum term of fifteen (15) years with a three (3) year grace period on principal payment.
The loan with a term of more than fifteen (15) years and a grace period of more than three (3) years may be allowed for loans to be used to finance projects in extractive industries and forest development related projects including those with exceptional cases that require longer tenor, provided, the term will not exceed twenty-five (25) years.
ACCEPTABLE COLLATERALS
The loan shall be secured by any collateral acceptable both to the PFIs and the SSS provided the loan is fully secured.
PREPAYMENT PENALTY
No pre-termination fee/penalty shall be charged in case of pre-payment of the loan.
(Watch:[Good Morning Boss] Usapang SSS: SSS business and social development loans facility)
Fixed-Term Credit Facility
The Fixed-Term Credit Facility is a lending facility of the Social Security System (SSS) designed to provide sustainable fixed-term credit facility to SSS-accredited participating financial institutions (PFIs) for re-lending to eligible private enterprises in order to improve and hasten their operations for a more globally competitive market.
It also aims to enhance the facilitation and flow of credit for the business sector to support the organization and expansion as well as rehabilitation of business operation.
Eligible Borrowers
The eligible borrowers/end-user must be an SSS member-employer in good standing.
The borrower is also subject to other criteria and policies which the Social Security Commission may impose from time to time.
Loan Purposes
The loan may be used for any purposes provided approved by the PFI.
How to Apply
The PFI shall submit a letter of intent to avail of the loan together with the Term Sheet.
LOANABLE AMOUNT
The loanable amount is the sub-limit of the omnibus credit line (OCL) but should not exceed 80% of approved OCL of PFIs (net of availments).
INTEREST RATE
The interest rate of the loan shall be the prevailing fixed rate.
TERM OF THE LOAN
The loan shall be payable quarterly, semi-annually or annually and shall have a minimum term of five (5) years up to fifteen (15) years inclusive of a maximum five (5) years grace period on principal payment.
The loan with a term of more than fifteen (15) years up to twenty-five (25) may be allowed for special projects.
ACCEPTABLE COLLATERALS
The loan shall be secured by any collateral acceptable both to the PFIs and SSS or subject to the following:
PFIs
Acceptable Collateral/s
Loan Amount
SSS Depository Banks
Partially Secured
Up to Php1.5 B or 80% of OCL?s Sub-Limit
Fully Secured
Up to the extent of the balance of the approved OCL
UBs/KBs and its affiliated leasing companies and Thrift Banks
Fully Secured
Up to the extent of the balance of the approved OCL
PRE-TERMINATION FEE
A pre-termination fee of one-half of one percent (½ of 1%) percent of the loan shall be charged in case of pre-payment of loan within the first five (5) years.
MANNER OF AVAILMENT/RELEASES
The manner of availment/releases shall be in batches of not less than Php10.0 million. The SSS shall release the loan through Real-time Gross Settlement (RTGS) or through direct transfer of the fund to the PFis depository bank which should be an SSS depository bank.
PENALTY FEE
Any principal and/or interest not paid on due date shall bear an additional interest at the rate of one and one-half (1½%) percent per month computed from the due date until fully paid. Access of Small Enterprises to Sound Lending Opportunities (ASENSO)
The Access of Small Enterprises to Sound Lending Opportunities (ASENSO) formerly SULONG Program by the government financial institutions (GFIs) is designed to give small and medium enterprises (SMEs) greater access to short and long-term funds by simplifying and standardizing the lending procedures.
Eligible Borrowers
All industries except trading of imported goods, liquor and cigarettes and extractive industries like mining, quarrying, etc.
SSS member-employer in good standing
Single proprietorship, partnership or corporation, at least 60% Filipino owned
With asset size of not more than P100.0 million excluding the value of the land
Have positive income for the previous year. If the previous year’s income is negative, the average income of the past 2 or 3 years should be positive
Have a Debt-Equity Ratio at most of 80:20 after the loan or 70:30, if franchisee
Loan Purposes
1. For Short-Term Loan:
Export Financing
Credit Line or as temporary working capital
2. For Long-Term Loan:
Purchase of equipment
Building construction
Purchase of lot
Purchase of inventories or as a permanent working capital
LOANABLE AMOUNT
For Short-Term Loan
The loanable amount shall be 70% of the value of the Letter of Credit (LC)/Purchase Order (PO) for export financing or 70% of the working capital requirement, up to a maximum of Php5.0 million.
For Long Term Loan
The Loanable amount shall be 80% of the incremental project cost, up to a maximum of Php5.0 million.
INTEREST RATE
The interest rate of the loan may be variable or fixed based on the prevailing SSS pass-on rate to PFI plus PFI's spread. The prevailing interest rates shall be reviewed monthly.
TERM OF THE LOAN
For Short-Term Loan
The loan shall have a maximum term of one (1) year payable monthly.
For Long Term Loan
The loan shall have a maximum term of five (5) years, inclusive of a maximum one (1)-year grace period on principal monthly amortization.
ACCEPTABLE COLLATERALS
For Short-Term Loan
Registered/Unregistered Real Estate Mortgage (REM)/Chattel Mortgage (CM)
Assignment of LC/PO (for Export financing)
Guarantee Cover
Corporate Guarantee (for Credit Line, if franchisee)
Assignment of Lease Rights (for Credit Line, if franchisee)
For Long Term Loan
Registered/Unregistered REM/CM
Corporate Guarantee (if franchisee)
Assignment of Lease Rights (if franchisee)
The loan shall be secured by any collateral acceptable both to the PFIs and the SSS provided the loan is fully secured.
PREPAYMENT PENALTY
No pre-termination fee/penalty shall be charged in case of pre-payment of the loan.
For more information, please visit the Housing and Business Loans Department, 5th Floor, SSS Main Building, East Ave., Diliman Quezon City or you may call telephone number 920-6401 local 5115 or 5129, or e-mail at desilvamt@sss.gov.ph or carandangao@sss.gov.ph
