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SSS unemployment benefit

Christian Andrew Rillorta by Christian Andrew Rillorta
May 25, 2022
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Pensioner’s day at ang SSS Pension Loan Program
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Ayon sa inilabas na report ng Philippine Statistics Authority (PSA) noong May 6, 2022, ang unemployment rate sa bansa noong March 2022 ay 5.8%. Katumbas nito ang 2.87 milyong Pilipinong nawalan o nahiwalay sa trabaho.

Mahalagang minomonitor ang unemployment rate dahil ito ang isa sa mga basehan ng gobyerno para suriin kung epektibo ang mga nakalatag na programang nagsusulong ng labor at employment at kung kailangan pang maglunsad ng panibagong programa upang suportahan ang mga Pilipinong manggagawa.

Sa panig ng SSS, kasama sa pagbabalangkas ng mas pinalakas na Republic Act 11199 o Social Security Act of 2018 pagbibigay ng Unemployment Benefit. Ang Unemployment Benefit ay cash allowance na ibinibigay sa mga SSS employed members at OFW members na inboluntaryong nahiwalay sa trabaho. Halimbawa ng involuntary separation ay: retrenchment, redundancy ng posisyon sa trabaho, repatriated, downsizing ng mga empleyado, paghinto ng operasyon ng trabaho dahil sa pagsasara ng kumpanya sanhi ng pandemya, pagkalugi, kalamidad o anu pa mang natural na rason.   

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Hindi naman tatanggapin ang aplikasyon kung ang rason ng pagkakahiwalay sa trabaho ay dahil sa serious misconduct, fraud o willful disobedience to lawful orders, gross at habitual neglect of duties, fraud o will breach of trust/loss of confidence, commission of a crime or offense, at iba pang rason tulad ng abandonment, gross inefficiency, disloyalty, conflict of interest at dishonesty.

Upang mag-qualify sa Unemployment Benefit, dapat ay hindi higit sa 60 taong gulang ang miyembro. Kung ang aplikante ay underground at surface mineworkers, hindi dapat higit sa 50 taon ang edad samantalang ang racehorse jockeys naman ay hindi dapat higit sa 55 taon. Dapat ay nakapagbayad din ang miyembro ng hindi bababa sa 36 buwang kontribusyon, kung saan ang 12 dito ay naibayad sa loob ng 18 buwan bago ang buwan ng pagkakahiwalay sa trabaho. Halimbawa, kung ang miyembro ay nahiwalay sa trabaho noong Agosto 2021 at mayroon naman siyang higit sa 36 buwang kontribusyon, dapat ay may naitalang 12 buwang kontribusyon mula February 2020 hanggang July 2021.

Online na ang pagsusumite ng aplikasyon kaya’t mahalagang may sariling My.SSS account na ang miyembro. I-click lamang ang link na ito para makagawa ng sariling My.SSS account (https://member.sss.gov.ph/members/). Sa ilalim ng E-Services Tab, makikita ang application link para sa Unemployment Benefit. Kailangan i-upload ng miyembro ang sertipikasyon ng kanyang pagkakahiwalay sa trabaho mula sa kanyang employer pati ang sertipikasyon mula sa Department of Labor and Employment (DOLE) bilang patunay na siya ay inboluntaryong nahiwalay sa kanyang employer.

Bago mag-file ng application para sa Unemployment Benefit, siguraduhin muna na naka-enrol ang savings account number sa ilalim ng Disbursement Account Enrollment Module (DAEM).

Magkano naman ang matatanggap ng isang kwalipikadong miyembro? Katumbas ito ng kalahati (50%) ng kanyang Average Monthly Salary Credit (AMSC) sa loob ng dalawang buwan. Halimbawa, kung ang isang miyembro na naghuhulog sa P20,000.00 Monthly Salary Credit kada buwan, ang 50% nito ay P10,000. Pero dahil katumbas ito ng dalawang buwan benepisyo, matatanggap ng miyembro ang buong P20,000. Idedeposito ito sa inirehistrong disbursement account sa ilalim ng DAEM.

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Isang beses lamang kada tatlong taon maaaring mag-apply sa Unemployment Benefit. Tandaan na dapat i-file ang aplikasyon sa loob ng isang taon mula sa petsa ng pagkakahiwalay sa trabaho. Kung sakali namang magkaroon ng magkasabay na dalawa o higit pang involuntary separation sa loob ng compensable period, ang pinakamataas na benepisyo lamang ang babayaran ng SSS.

Hangad namin na makatulong ang benepisyong ito para may pantustos ang miyembro habang sila ay naghahanap ng bagong trabaho.

Magpadala lamang ng email sa rillortac@sss.gov.ph kung may katanungan, paglilinaw o anumang paksa tungkol sa SSS na nais ninyong pag-usapan.

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