What is SSS

Otherwise known as Social Security System, SSS is a method created by the government to give protection to its members and beneficiaries in a form of financial assistance against the hazards of disability, sickness, maternity, old age, death and other events which resulted to loss of income or financial distress.

Coverage of SSS

Social Security is compulsory upon all employees not more than (60) years of age who earns a monthly income of more than 1000 pesos, and their employers. It is also mandatory to those self employed professionals, businessmen, actors and actresses, directors, script writers, and news correspondents, who do not fall under the definition of employees, athletes, coaches, trainers and jockeys, farmers and fishermen only for those months where they realizes income.  They may continue their contribution on their no income month if they desire.

It may also be applicable to those spouses whose full time is devoted to managing the household.  Further, Filipinos who have been recruited by foreign-based employers for a work abroad may also be covered.

The coverage of employees will take effect on the first day of his employment while that of the employers will be on the first day of its operation.  Self-employed, to be covered by SSS, shall first register himself/herself.

In case of separation of the covered employees from employment, their contribution and the contribution of employer for his account also ceases. But the employee may opt to continue contributing to SSS by way of voluntary contribution.

SSS Benefits

 Retirement Benefits. According to the Social Security Act, a member who has paid at least one hundred twenty (120) monthly contributions prior to the semester of his retirement and who has reached the age of sixty (60) years and is already separated from his employment or has ceased to be self-employed, or has reached the age of sixty-five (65) shall be entitled to a monthly pension for as long as he lives. Pension may also be received on a lump sum basis if he chose to do so.

In case of death of the member, his primary beneficiaries shall be entitled to receive the monthly pension. The secondary beneficiaries, in the absence of the primary beneficiaries, may claim the lump sum pension of the member.

Death Benefits. A monthly pension can be given to the beneficiary of a member who has paid at least thirty-six (36) monthly contributions prior to the semester of his death.

Permanent Disability Benefits. To claim this benefit, it is required that the member has paid at least thirty-six (36) monthly contributions. The grant of this benefit is based on the gravity of the disability.

Funeral Benefits. Twelve thousand (12,000)pesos shall be paid to a member who died to defray the costs of funeral expenses.

Sickness Benefits. A daily sickness benefit of ninety (90) percent of the employee’s average daily salary credit shall be paid by the employer subject to reimbursement of the SSS or the SSS itself, in case the employee is self-employed or unemployed. This shall be paid not longer than 12o days in a calendar year.

Maternity Leave Benefits. This benefit should be paid in the amount of 100% of her average daily salary credit for 60 days or 78 days in case of caesarian delivery. This shall be advanced by the employer subject to reimbursement of SSS. Minimum contribution required is three months in a twelve (12) month period in claiming both sickness and maternity benefits.

All these benefits are non-transferrable and no power of attorney may be allowed for the purpose of collection.

Dissolution of marriage, or what we call in simple terms as divorce, has become a remedy to spouses whose marriages have plummeted downhill. However, though this remedy is obtainable in a lot of countries, Philippines has remained to steer clear away from Divorce law.

Since Philippines does not adhere to divorce, a lot of Filipinos try to make their way to another country where they can obtain a divorce decree. One misconception that Filipinos have about divorce is that when they get married in a foreign land, then their marriage can be dissolved in such land. This is not true at all.

Filipinos are bound by their nationality law, their family rights and duties, among others, are still governed by the Philippines laws wherever country they may be. It is only through naturalization in another country that they free themselves from the realm of the Philippine laws. Thus, even if Juan and Maria, both Filipinos, got married in America they still cannot have their marriage dissolved in America unless one or both of them become a naturalized American.

Another mistake Filipinos have about divorce is that when they marry a foreigner, then they can have their marriage dissolved. This has a partial truth to it especially when the foreigner spouse files for the divorce in his country. But such divorce is not automatically recognized here in the Philippines. The Filipino spouse must first obtain a judgment from a Philippine court granting the recognition of such foreign divorce decree.