Vince Rapisura 2515: SSS WISP: Ang Mandatory Savings Program para sa Mataas na Monthly Salary Credit
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00:00.0
Ano kaya'y makakatulong para ma-boost yung kanilang mga tuwing kamay?
00:03.6
Yes, ito yung tinatawag na natin na SSS Retirement Building Blocks.
00:09.4
Okay, meron tayong SSS Retirement Building Blocks at ito ay composed of our regular SSS
00:15.6
at yan po yung katatapos lang natin na i-discuss.
00:18.6
And then meron tayong WISP tapos WISP Plus.
00:22.4
Okay, yung ating regular SSS, ito ay mandatory with higher returns.
00:27.6
Defined po ang ating benefits dyan.
00:30.0
Tapos ang WISP, ito po ay mandatory din.
00:33.0
Returns are based on market performance.
00:35.6
At meron tayong WISP Plus, which is voluntary.
00:39.2
Ang returns naman dito ay based on market performance.
00:42.8
Sir, binistan mo yung ginamang dati sa iyong WISP.
00:45.0
Pakingpisahan na ang paliwanag po po dyan.
00:46.8
Ang WISP ay ito po yung tinatawag natin na Workers Investment and Savings Program.
00:53.2
Ito ay mandatory individual retirement savings plan
00:57.0
para sa mga miyembro na may mas mataas sa 20,000 pesos ang kanilang monthly salary credit.
01:04.2
Sir, bakit naman ginawa yan mandatory?
01:06.2
Oo, kasi yung sagot yun doon sa problema ni Bea, na masyado maliit.
01:12.8
Kaya ang ginawa siyang mandatory para doon sa may mas mataas na monthly salary credit,
01:20.6
na greater than 20,000,
01:22.2
ay magkakaroon sila ng pagkakataon na matulungan ng mga employer.
01:25.8
Ito ay implemented on January 2021 based on the SSS law of 2018.
01:31.4
So, sino ba yung covered ng WISP?
01:33.8
Mga private sector employees, self-employed, voluntary, and OFW members
01:38.4
na wala pang final claim sa regular SSS.
01:42.4
Sorry, sorry. Wait, sir.
01:43.8
Ano naman ibig sabihin ng final claim na yan?
01:46.2
Oo. So, ibig sabihin, hindi pa tayo nakapag-file ng ating retirement
01:50.4
o kaya hindi tayo nakapag-file ng total disability.
01:53.4
At mayroon tayong dapat contributions in the regular SSS.
01:57.6
Kasi building blocks na siya.
01:58.8
Dapat meron ka muna ng regular bago ka makapunta sa WISP.
02:03.0
At dito, ang enrollment ay automatic.
02:05.0
Yan naman yung kagandahan dyan.
02:06.2
Wala ng additional step pa.
02:08.0
Yes. So, ito yung mga WISP contributions natin.
02:11.0
Yung WISP contribution natin, it covers contributions over 20,000 pesos
02:16.4
na monthly salary credit up to 30,000 pesos ngayong 2023 and next year.
02:21.6
Pero pagdating ng 2025, 35,000 na po yung maximum monthly salary credit natin dyan onward.
02:28.6
Tinitignan ng gobyerno natin kung ikaw ay mag-retire na ngayon,
02:33.2
magkano ba yung kakailanganin mo, di ba?
02:36.2
At yung 35,000 pesos na yan is a good benchmark, di ba?
02:40.2
Kaya ang sinasabi ko nga, dapat sa totoo lang ito,
02:43.6
every five years ay ina-adjust pataas ng SSS
02:49.2
para makapag-keep up siya sa inflation.
02:51.4
Imagine nyo ha, kung hindi siya nag-keep up, malaloka tayo.
02:54.6
Mayroon din itong employer shares in paying the contributions.
02:59.6
Mahalaga rin siguro, sir, sa malaman natin.
03:01.6
Kasi maganda yung employer shares.
03:03.6
Yan ang nagpapalaki talaga, di ba, sa ating invention.
03:06.4
Igaano namang halaki ang employer share?
03:09.4
Usually, one-third of the contribution sa SSS ay covered by the employee
03:17.4
at yung two-thirds ay covered ng employer.
03:21.4
So, bigyan natin yung example yan.
03:22.8
For example, ang binabayaran ay 1,500 kada buwan.
03:28.2
500 pesos ang kaltas sa sweldo mo,
03:31.2
1,000 pesos ang counterpart ng employer.
03:34.4
Mas pag-ayawan niya, no? Para sa'yo.
03:36.6
Actually, kaya nga, mara...
03:38.4
Kaya pag kayo po ay empleyado,
03:41.4
i-appreciate nyo yan ha.
03:43.6
Kasi minsan nating tingnan naman,
03:44.6
ito na naman, kinaltasan naman ako ng SSS, di ba?
03:48.0
Pero ang mas isipin nyo rin,
03:49.6
pag nakaltasan ka ng 1,000 pesos,
03:52.6
times two mo yun.
03:53.6
Yun yung counterpart ng employer.
04:00.0
Ang self-employed, voluntary, and OFWs
04:03.2
shouldered their own contribution.
