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SSS PENSION LOAN PROGRAM

Christian Andrew Rillorta by Christian Andrew Rillorta
January 19, 2023
in Columns
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Pensioner’s day at ang SSS Pension Loan Program
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Noong nakaraang linggo, nakakwentuhan ko sa SSS Baguio si Tatay Rudy. Halos sampung taon na siyang SSS pensioner at likas na sa kaniya ang pagiging masayahin at masigla. Sa edad na 70, sumasali pa siya sa Zumba session na sponsored ng kanilang barangay.

Sumentro ang aming kwentuhan sa Pension Loan. Noong araw din na iyon ay nagpatulong si Tatay Rudy sa E-Center ng SSS Baguio branch para mag-apply ng Pension Loan. Aniya, natutuwa siya sa ating programa dahil garantisadong mas ligtas ito kung ikukumpara sa ibang private lending firms. Aminado si Tatay Rudy na noong kakaretiro niya pa lamang ay naranasan niyang isangla ang kaniyang ATM para lang maka-loan. Sa laki ng interes, halos apat na taon siyang nahirapang bayaran ang kanyang inutang. Kaya naman matapos niya itong bayaran at nalaman niya ang tungkol sa ating programa, sinabi ni Tatay Rudy na sa SSS siya lalapit kung sakaling mangailangan siyang muli.

Ano ba ang SSS Pension Loan Program o PLP? Sino sino ang mga kwalipikado rito? Ang SSS PLP ay isang programang pautang para sa SSS retirement pensioners na may mababang interes at walang kolateral. May kaakibat ito na Credit Life Insurance (CLI) para kung sakaling nakamatayan ng pensyonado ang pagbabayad ng kanyang utang, protektado ang benepisyo na matatanggap ng benepisyaryo.

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Kwalipikado sa programang ito ang retirement pensioners na 85 years old pababa sa katapusan ng termino ng pautang. Dapat ay walang natitirang balanse sa kanilang pagkakautang o overpayment sa ilalim ng Loan Restructuring Program, at hindi kumuha ng advance pension sa ilalim ng Calamity Assistance Package. Kahit isang buwan pa lang na tumatanggap ng pensyon ay maaari nang mag-apply sa PLP.

Ang halaga ng maaari nilang utangin ay depende sa halaga ng buwanang pensyon. Katumbas ito ng tatlo, anim, siyam o 12 buwang basic monthly pension, kabilang ang P1,000 dagdag benepsiyo ngunit hindi lalagpas sa maximum amount na P 200,000.

Babayaran ang pension loan sa loob ng anim na buwan kung 3-month loan ang kinuha ng aplikante, 12 buwan naman kung 6 months loan, at 24 buwan naman kung 9 o 12-months loan.

May ipinapataw na 10 porsyentong interes kada taon o .83 porsyento kada buwan hanggang sa mabayaran nang buo ang kanilang utang. Mas mababa ito kung ikukumpara sa ilang mga pribadong kumpanyang nag-aalok ng pension loan. Ang kagandahan sa PLP ay walang kukunin na kolateral ang SSS tulad ng ATM Card ng pensioner. Bagama’t ibabawas ang pagkakautang ng pensioner-borrower sa kaniyang buwanang pensyon, may net take-home pension pa rin siya na 47.25%. Kahit sila ay umutang, sinisiguro ng SSS na may matatanggap pa rin sila na buwanang pensyon bilang pantustos sa pang-araw araw nilang pangangailangan.

Simula nitong May 30, 2022, maaari nang mag-apply ang first-time pensioner-borrowers online gamit ang kanilang My.SSS account. Maaari na rin nilang tanggapin ang loan proceeds sa pamamagitan ng kanilang PESONet accredited disbursement banks. Ibig sabihin, maaari nang ideposito sa kanilang bangko kung saan nila tinatanggap ang kanilang pensyon.

Para magsumite ng aplikasyon online, mag-log in sa My.SSS account. Piliin ang “Loans Tab” at i-click ang “Apply for Pension Loan”. Piliin ang Disbursement Account kung saan gustong matanggap ng pensioner ang kaniyang loan proceeds. Lalabas sa screen ang computations na pagpipilian ng pensioner-borrower at i-click ang “Submit”.

Hintayin ang notipikasyon bilang patunay na aprubado ang kanilang pension loan application. Magpapadala rin ang SSS ng notipikasyon sa registered e-mail ng pensioner-borrower. Maghintay lamang ng three working days bago matanggap ang pension loan proceeds.

Ganyan lang kabilis at kaginhawa ang online application ng Pension Loan. Para naman sa mga walang internet o hirap gumamit ng computer at gadgets, mas pinaginhawa namin ang inyong pag-aapply dahil may E-Center ang SSS branch na kung saan matutulungan sila ng mismong SSS employee na magsumite ng application online. Paalala lang ng SSS na huwag ibigay sa mga hindi kakilala o hindi mapagkakatiwalaang tao ang inyong My.SSS log-in credentials upang maiwasang mabiktima ng online scamming.

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Sa mga nais na mag-apply over the counter, tumanggap pa rin ang branches ng aplikasyon para dito. Huwag ding basta-basta maniwala sa mga modus ng ilang indibidwal na nagpapakilalang empleyado ng SSS at personal kang sasamahan sa SSS branch para magapply at may kapalit na transaction fee. Nais namin kayong paalalahanan na ang mga serbisyo ng SSS ay libre. Makipagtransaksyon lamang sa lehitimong empleyado na nasa loob ng aming opisina nang hindi mabiktima ng fixers. Nais namin na mapakinabangan niyo nang buo ang inyong inutang sa SSS.

Magpadala lamang ng email sa rillortac@sss.gov.ph kung may katanungan, paglilinaw o anumang paksa tungkol sa SSS na nais ninyong pag-usapan. Inaanyayahan rin naming kayong makinig sa “Usapang SSS” tuwing Lunes, 10:30AM-11:30AM sa DZWT 540 kHz at manood sa live FB stream ng “MPBC DZWT Kumpletos Rekados.”

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