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The Social Security System (SSS) in the Philippines, including Taguig city, is a state-run insurance program. All wage earners across the country are obliged to become members and contribute towards the system. This SSS program is essential for secure financial aid in case of disability, maternity, retirement, death, sickness, and funeral expenses. Employees, employers, and self-employed people alike are included within this scheme, with differing rates of contribution.
Understanding the intricacies of social security laws and regulations can be challenging. Some situations might necessitate legal aid such as incorrect or delayed benefits, difficulty with claim processing, or even disagreements with the Social Security System. A lawyer specializing in these laws can provide guidance on rights, obligations, and help navigate the complexities of the system.
The Republic Act No. 11199, otherwise known as the Social Security Act of 2018, governs the Social Security System in the Philippines. It includes increased penalties for those failing to remit contributions on time, compulsory coverage for OFWs, and unemployment insurance among its provisions. It's essential to understand this act, along with other local laws relevant to you, to ensure you're aware of your rights and responsibilities.
The contribution is based on monthly earnings and ranges from 11% to 12%, divided between an employee and employer. Self-employed individuals shoulder this amount themselves. The exact percentage depends on the income bracket. The SSS has a contribution table that can help you understand these computations better.
The SSS provides its members with a range of benefits including maternity benefit, retirement benefit, disability benefit, death benefit, and funeral benefit. It also offers a salary loan program for members in need.
You can directly file a claim at any SSS branch. For those residing in Taguig, there are multiple branches available. You can also use the online portal for certain types of claims.
As of the 2018 Social Security Act, members who are involuntarily unemployed can claim unemployment benefits. Certain conditions apply that include membership status and cause of unemployment.
No, membership is compulsory for all income earners to ensure that everyone has access to future benefits. Required contributors include employees, self-employed persons, non-working spouses, and Overseas Filipino Workers.
The official SSS website has comprehensive information about rights, rules, and procedures. Legal offices provide consultations and the Philippine government also runs Public Attorney’s Office (PAO) that offers free legal assistance. Specialized private legal firms can be engaged for tailored advice.
If you require legal assistance with social security, you should first evaluate what specifically you need help with. It may be essential to hire a lawyer who specializes in social security laws or alternatively, make use of the free resources offered by the state. Always ensure you understand all of your obligations and rights thoroughly.
