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Mandatory SSS Pension Booster

Formerly known as the Workers’ Investment and Savings Program (WISP), this is mainly for employed members contributing to the regular SSS program at a Monthly Salary Credit (MSC) that exceeds ₱20,000.00 and who have not yet filed a final benefit claim. Any amount contributed exceeding the ₱20,000 MSC is automatically contributed to the member’s Mandatory MySSS Pension
Booster account. The monthly contribution is divided between the employer and the employee.

Voluntary MySSS Pension Booster

This is the rebranded WISP Plus, which is open to all SSS members regardless of their MSC, with one (1) posted contribution, and without filed final benefit claim, and for those applying for the issuance of the Social Security (SS) Number.

While the Voluntary MySSS Pension Booster is open to all types of SSS members, it specifically targets mid- to high-income earners who have the financial capacity to invest more, such as self-employed and maritime professionals, overseas Filipino workers (OFWs), and corporate executives, among others. By investing their excess incomes, these members stand to receive higher savings returns and increased retirement income in the future.

Here are the most notable features of the Voluntary MySSS Pension Booster:

• Affordable savings scheme. Under the Voluntary MySSS Pension Booster, members may contribute as low as ₱500.00 per payment, with no maximum limit (depending on the SSS-partner collecting agent).
• High return of investment. In 2023, the fund for the voluntary retirement savings scheme reached ₱386 million, with ROI of 6.97%. This year, the SSS targets to reach 7.2% interest rate.
• Tax-free investment. Total contribution and investment earnings under the MySSS Pension Booster (both mandatory and voluntary) are tax free.
• Easy and fast posting of contributions. Contributions can be made online through the SSS website, SSS Mobile App, or SSS’ Collection Partners’ app using a Payment Reference Number (PRN), or over the counter through SSS branches with tellering facilities or collections partners’ branch/office (local or abroad).
• Flexible payment terms. Members can contribute anytime depending on their capacity to save. However, payment to Voluntary MySSS Pension Booster contributions must be done together with their regular SSS contributions.
• Easy access to MySSS Pension Booster records. Members can easily monitor their contributions through their individual My.SSS accounts as posting of contributions is real-time! Very soon, investment income shall also be visible in their My.SSS account.
• Receive the total accumulated value (principal & investment income) taxfree! This is paid out as a pension, as lump sum, or a combination of both, and on top of their final benefit under the regular SSS program.

Other benefits include:
‣ Members have the option to withdraw, partially or in full, their savings from MySSS Pension Booster, from the fifth year in the program onwards.
‣ Members enrolled in the program for two to four years, are also allowed to withdraw their savings partially or in full, but with a reduced income depending on the years of membership.
‣ Withdrawal is allowed on the first year, but only in case of member’s extreme hardship situation such as critical illness, involuntary separation from employment, repatriation from the
host country (if an OFW), and other similar situations as determined by the SSS.

NOW, MAKE THAT MOVE!

• Employed members who are earning ₱20,000 and above are automatically enrolled in the Mandatory MySSS Pension Booster. Their contributions, along with their employer’s share, are included in the monthly SSS remittance by their companies.
• Other SSS membership types (Self-Employed/Voluntary Member/OFW) may enroll to the Voluntary MySSS Pension Booster through their individual My.SSS accounts. Just log in to your account, click “Enroll to MySSS Pension Booster (Voluntary)” under the Services tab, then read
  and accept the terms and conditions of the program.

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Here’s an easy tutorial for you on How to Print your SSS Employment History from SSS Website.

Make sure to have create your SSS Online Account first so that you can access your SSS record online?

1. Go to SSS Website – www.sss.gov.ph

2. Click the Member button, then login to your SSS Online Account.

3. After successfully logging in to your account, you will see your Account Home Page.

4. Hover your mouse to Member Info> Employment History

5. You will see your Employment History displayed on the screen.

6. Click Ctrl + P to Print the page.

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Here’s an easy tutorial for you on How to Print your SSS Contributions from SSS Website.

Make sure to have create your SSS Online Account first so that you can access your SSS record online?

1. Go to SSS Website – www.sss.gov.ph

2. Click the Member button, then login to your SSS Online Account.

3. After successfully logging in to your account, you will see your Account Home Page.

4. Hover your mouse to Inquiry > Contributions

5. You will see your SSS Contributions displayed on the screen.

6. Click Ctrl + P to Print the page.

The post How to Print your SSS Contributions from SSS Website -2024 appeared first on SSS Inquiries.

Here are the steps on how to check your estimated SSS Pension:

Go to www.sss.gov.ph or click this link. No need to log-in to you account to check your estimated pension. Access the pension calculator by scrolling down the sss home page and on the white background with images, click the third from the left with label “PENSION CALCULATOR”.

It will open a new tab. There are 2 drop down buttons. One is to select your “Monthly SSS Contributions or Monthly Salary”. The minimum that you can select is “P560 contribution => P4,000 salary and the maximum is “P2,800 contribution => P20,000 salary”. Note that the option below pertains to the current choices as of this writing. The other one is to select the “Age when you start contributing to SSS”. It ranges from 15-59 years old. There are two buttons below. One is calculate button and other one is the reset button.

For example, you selected “P560 contribution => P4,000 salary” and selected 20 years old when you start contributing to SSS. After clicking the “calculate” button, as per the pension calculator, the estimated monthly pension will be P4,500 per month. Total contributions paid is the contributions you paid from the age of 20 to 60 years old. Therefore the total count of contributions is 480 months = 40 years x 12 months. Multiply that to 560 pesos and the total will be P268,800.

The total pension you will received after 10 years is P585,000 because 10 years multiplied by 13 months (12 months + 1 month bonus) will be 130. If you receive 4,500 as your monthly pension, multiply it to 130 and the result will be P585,000. Based on this calculation, you will immediately know that the total amount of pension received after 10 years is way greater than the amount of your contribution. On this example it has a difference of P317,000. Because of this, the difference is much greater after 20 years.

When you Click “Click here for more detailed information”, you will see the details of your contribution with the following assumptions:

• Contribution rate remains at 14%
• Has no gap from the start of contribution to end
• Monthly Salary Credit remains the same
• 13 month pension amount is included in the Total Amount of Pension Benefit
• Minimum of contributions should be 120 for qualification of pension

They have noted below that the “Estimated monthly pension is merely indicative, actual pension will depend on actual pattern and amount of contributions.”. Therefore this is only an estimate of your pension and not the actual pension itself to give you an idea of how much your pension based on your contribution and age.

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If you know that you’re qualified for Pension Loan Program, here are the advantages of availing it:

• 10% per annum low-interest rate derived from diminishing principal balance.
• You are not required to surrender your ATM Card for collateral to SSS.
• There is also no Processing or Service Fee on availment of the loan.
• You can borrow up to P200,000, which is the aggregate monthly pension maximum loan amount, or up to (3/6/9/12) times your basic monthly pension plus 1,000 additional benefits.
• When you begin making monthly pension loan amortization payments, SSS will make sure that your net take-home income is at least 47.25% of your total monthly pension.
• Additionally, PLP has a longer repayment duration:
  • Three (3) times the pensioner’s total monthly pension – twelve (6) months repayment period.
  • Six (6) times the pensioner’s total monthly pension – twelve (12) months repayment period.
  • Nine (9) or Twelve (12) times the pensioner’s total monthly pension – twenty four (24) months repayment period.
• First monthly amortization will start on the second month after loan grant.
• Moreover, the borrower’s credit life insurance (CLI) premium is subsidized by waiving the 1% service charge.

To determine the qualifications on the pension loan program:

• You are a retiree-pensioner with My.SSS account sa SSS Website (if you want to apply online).
• 85 years old and below at the end of the last month of the loan term
• No deduction on monthly pension or existing advance pension in SSS Calamity Loan Assistance Package
• Actively receiving monthy pension for at least one month and status of pension is “Active”
• Updated contact details such as mailing address and contact number

If you have checked all the items above, then you are qualified. Click this link to avail the PLP online or at branch.

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How to Enroll DBP Cash Padala thru M Lhuillier Disbursement Account

For best results, access the SSS Website on Desktop/Laptop and make sure that you have a strong internet connection.

1. Login to your My.SSS account

Type www.sss.gov.ph on your browser. Click “MEMBER” under portals. It will open a new tab with log-in. Login to your SSS Online Account.

2. On Services tab, under Disbursement Modules, click Disbursement Account Enrolment Module.

3. Read and understand the Reminders, then tick the box to certify that you have read and understood the reminders on account enrollment. Click “Proceed”.

4. Choose E-Wallet/RTC/CPO.

Reminder as of this writing that E-Wallet/RTC/CPO accounts for loan disbursement are currently not being used by SSS and encourage you to enroll a bank account instead for crediting loan proceeds.

5. Select DBP CASH PADALA THRU M LHUILLIER

Another reminder when selecting E-Wallet/RTC/CPO is the transaction fees based of prevailing rates.

6. Enter Mobile Number and in Confirm Mobile Number.

Ensure that your mobile number/Sim Card can receive text messages as the Reference Number for claiming your benefit proceed will be sent to the said number. Mobile Number for E-Wallets/RTC/CPO should be written continuous string numbers (eg. 12365478990). Do not push dash (-) or space in between numbers, or any non numeric characters.

In case of wrong cell phone number encoded or lost cell phone, processing of requests for crediting of benefit proceeds to new/correct cell phone number will take at least thirty (30) days to process.

Please ensure that you have done account upgrade or account verification before enrolling your e-wallet accounts to ensure successful crediting of your benefit.

7. Upload ID Card/ Identification Document

Upload a clear copy of your 1 valid Government Issued Identification Card or Document.
See list of Valid ID Cards/Documents:

8. Upload Selfie with ID

1. Upload your chest-level selfie/photo holding the uploaded valid government-issued identification card/document.
2. Uploaded photo must be colored and clear.
3. Ensure that your face and eyes are exposed no facemask, eyeglasses, bandanna, etc.).
4. Ensure that you are in proper attire.
5. Upload file must be in JPG / PDF and Maximum size: 3MB

On uploading images(IDs and Selfie Photo):

• Image should be in JPG or PDF format
• Filename must not contain special characters like %()–‘”|| &&**. Tip: go to the File Manager app (for mobile phones), Documents on Windows and Finder in Mac
• then find the file that you want to apply. Rename it without special character, just like DELACRUZSELFIE.jpg, DELACRUZID.jpg, DELACRUZPROOF.jpg.

To make images within 3 MB, you should:

• Compress or Resize the file to make it below 3 MB. You may use a File Resizer App in Appstore or Playstore or thru a Browser like ResizeFile.com
• Another tip is, If you captured your photos thru mobile phone, send your picture in a Facebook Messenger then download it. Then upload downloaded photo, as Facebook automatically compresses (convert into smaller size) the photos uploaded on their platform.

9. Tick the Box to certify that the information presented are true and will be used in SSS transactions. Then click “Enroll” to proceed with the submission of transaction.

A prompt will appear saying that your mobile number will be submitted and asking if do you want to continue:

10. An Enrollment Confirmation screen shall be displayed. The member shall receive an email notification from SSS that the Disbursement Account Enrollment was successfully submitted and shall be evaluated.

If the disbursement account is rejected, the member will be informed of the rejection reason/s when they viewed the disbursement account tab, with the advice to re-enroll a valid Disbursement account or re-upload valid Supporting documents in Disbursement Account Enrollment Module.

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Upgrading now has its perks. Not only the upgrade is free of charge, If you applied on or before April 30, 2023, you will get a Jolibee 200 e-GC, and a chance to win one (1) of three (3) units of iPhone 14 or a brand new Mitsubishi Xpander, said SSS.

Steps to upgrade

1. Log-on to your SSS Account (My.SSS)
2. Click “Services” Tab in the menu. Select “Data Sharing Consent for UMID Pay Card Upgrade”
3. Indicate your agreement for UnionBank to share your information.
4. From the AppStore or Google Play, Download “UnionBank” App and fill out the online form

As of this writing, SSS will release an advisory when will be the step 3 part of the upgrade (consent part) to the UMID ATM Pay Card upgrade will be available. And if you’re not the specific members that has applied for “generic” UMID card or a UMID card release that are still pending, you will receive the message below:

For inquiries or further explanation, SSS has its SSS uSSSap Tayo Portal at this link.

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Difference between WISP and WISP Plus

WISP is a MPF (Mandatory Provident Fund) for MSCs (Monthly Salary Credit) more than P20,000. WISP Plus is an optional investment program without an MSC requirement. WISP are not withdrawable anytime, WISP Plus is withdrawable anytime after 1-year membership under normal circumstance. Partial withdrawal is allowed provided that the amount is based on the total accumulated account prior to month of partial withdrawal, only once a month and not lower than P500.

However, if under extreme hardship circumstances (critical sickness, involuntary unemployment, the return of an OFW member from their host country, and other such circumstances as decided by SSS), within 1-year membership is allowed.

How to activate WISP Plus?

SSS members who are interested in joining WISP Plus can avail by doing it on their My.SSS Accounts online. After you log in your account credentials, from the SERVICES tab, click “Enroll to WISP Plus”

When the web page is done loading, click the blue text: “VIEW TERMS AND CONDITIONS”.

Once you read the Terms and Conditions, click the “I Accept” Button

The system will notify you with a message that you have successfully enrolled in the WISP Plus program and some reminders on paying the WISP Plus Program.

One application for WISP Plus is all that is required, and participation in the program is perpetual. Also, in order to be eligible for the program, individuals should not have submitted any final benefit claims for things like retirement or total disability benefits.

Viewing your WISP Contributions

To view your WISP Contributions in the future, in INQUIRY tab, select “Contributions”

Then Click the WISP Plus tab below.

SSS’ WISP Plus vs Pag-Ibig Fund’s MP2

CRITERIA	WISP Plus	MP2
SIMILARITY	Voluntary savings schemes Tax Free Offers interest rates that is higher than bank’s savings interest Do not require monthly payments (you will not be penalized nor you lose your savings when you missed a month) Offered to OFWs and non OFW Pag-ibig and SSS Members Require membership in the regular programs of the agency No limit on maximum contributions Minimum contribution is 500 pesos
Required monthly contribution for the regular program of the agency	For employed members, at least (1) posted regular SSS contribution applicable in the last 3 months For Self-employed, Voluntary and land-based OFW members, he/she must have a psoted regular SSS contribution of the current applicable month of payment or else, hey must pay both regular SSS contribution and WISP Plus for the current applicable month	For employed members, at least 100 pesos. For Self Employed, Voluntary and OFW members, at least 100 pesos.
Qualification for Opening an Acount	For existing SSS members, SSS Member’s with no final benefit claim For SSS Member’s has just registered and acquired SS Numbers through the online application, they are automatically enrolled	Contribution – must have at least one monthly savings to your regular Pag-ibig
How to pay	Register to SSS Website and Get PRN for payment	Register to Pag-ibig and get MP2 Account Number and use it when paying.
DIVIDENDS	WISP Plus is withdrawable anytime after 1-year membership under normal circumstance. Partial withdrawal is allowed provided that the amount is based on the total accumulated account prior to month of partial withdrawal, only once a month and not lower than P500. However, if under extreme hardship circumstances (critical sickness, involuntary unemployment, the return of an OFW member from their host country, and other such circumstances as decided by SSS), within 1-year membership is allowed	You can claim your total MP2 savings and dividends after 5 years. If you like, you may renew and continue savings for another 5 years.
Easily Availed Online By	Only one account	Multiple Accounts allowed

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PDF Format

Word Editable Format

—

CERTIFICATION OF NON-ADVANCEMENT OF

MATERNITY BENEFIT

This is to certify that <Employee Name> who was employed by our company <Company Name> with the office address of <Company Address> from <Employment Start> to <Employment End>, did not receive any advance payment of her Social Security System (SSS) Maternity Benefit from this firm.

This is certification is issued upon her request for the processing of her maternity benefit claim with the SSS.

Issued this day of <Date Issued>

<<Signature Of Authorized Company Representative>

<Authorized Company Representative>>

<<Designation

Related Articles:

• How to Apply and Qualify for SSS Maternity Benefit
• Frequently Asked Question about SSS Maternity Benefit
• How to Know How Much is your SSS Maternity Benefit
• Common reasons why your SSS Maternity Benefit is denied
• Affidavit of Undertaking Template
• How to Comply with Disbursement Account Enrollment Module?
• How to Submit SSS Maternity Application (MAT2) in SSS Website for Self Employed, Voluntary, OFW, Non Working Spouse and Separated from Employers?
• How to File for SSS Maternity Reimbursement for Regular and Household Employer?

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