A Comparative Overview of SSS, HDMF, and PHIC in the Philippines
A Comparative Overview of SSS, HDMF, and PHIC in the Philippines

A Full Comparative Overview of SSS, HDMF, and PHIC for Employers in the Philippines

Estimated read time: 20 minutes

In the Philippines, employers are required to register and report their employees to specified government agencies to ensure that they properly receive their benefits as mandated under Philippine laws. The agencies, namely, the Social Security System (SSS), the Home Development Mutual Fund (HDMF, otherwise known as Pag-IBIG), and the Philippine Health Insurance Corporation (PHIC, otherwise known as PhilHealth) provide benefits such as loans, retirement funds, and healthcare to all employees in the Philippines.

To give you a better understanding of the differences and similarities between each agency, this article will provide you with a complete overview of its key features, from registration to contribution requirements.

SSS, PhilHealth, and Pag-IBIG Registration Procedures:

SSSPHIC (PhilHealth)HDMF (Pag-IBIG)
A. Membership CategoryTypes of Categories
EmployedFormal EconomyMandatory
(Private & Government Employees, OFW, Self-employed Professionals, and Domestic Helpers or Kasambahay)
Self EmployedInformal EconomyVoluntary
(Non-working Spouse, Former Pag-Ibig members, Barangay Officials and Employees, Expatriates, and Unemployed Filipinos)
VoluntaryOFW
Indigent
Sponsored
Lifetime Membership
Senior Citizen
B. Membership CategoryTypes of Categories
Filipino CitizensPrivate employee who is not more than 60 years old, who engage in trade/business with at least ₱1000 monthly income, an OFW, or non-working spouse.Filipino citizen of at least 18 years old; 60 and above previously not under any category shall automatically be covered.Filipino citizen at least 18 years old
Expat (Employee of foreign nationality)RequiredRequiredExtended due to temporary tenure
C. Mode of RegistrationDocumentary Requirements and Registration Procedure
Manual Registration

1. Prepare 2 copies of E-1 Form and 2 Valid IDs

2.Fill out and submit to your respective SSS Branch

1. Prepare 2 copies PhilHealth Membership Registration Form (PMRF) and ER/ER2 Form

2. Submit to your Local Health Insurance Office (LHIO)

1. Prepare 2 copies of Member’s Data Form (MDF) with supporting documents

2. Submit documents to respective Pag-ibig Branch

Online or e-Registration1. Visit https://www.sss.gov.ph/sss/ for registration and fill out necessary details
2. Wait for the confirmation link sent to your registered email
3. Follow the link provided in your email
4. Review provided details
5. Generate SSS number and wait for SSS email confirmation
6. Print the Personal Record Form, SSS No. Slip, and SSS Number application
7. Go to your respective SSS Branch to submit the documents along with your online registration documents and other necessary documents (birth certificate, valid IDs, etc.)
9. For a non-working spouse, your working spouse must sign the printed personal record form
1. Visit https://eregister.philhealth.gov.ph/ to register
2. Fill out Philhealth Online Application Form
4. Upload supporting documents (birth certificate, passport, driver’s license, etc.)
5. Review provided information before proceeding
6. Tick checkbox to confirm information correctness and accuracy then submit registration
7. Wait for the confirmation email sent to your registered email
8. Wait for your Philhealth number
1. Visit https://www.pagibigfundservices.com/PubReg/Starter_Page.aspx
2. Accomplish the pre-registration form to check if you already have an existing record
3. Fill out the online registration form
4. Print Member’s Data Form (MDF) containing Pag-ibig tracking number
5. You will receive a text message with a Registration Tracking Number (RTN) from Pag-ibig Fund
6. Verify your Pag-Ibig No. using the following format: IDSTAT RTN BIRTHDATE (MM/DD/YYYY) and send to Globe/TM: (0917) 888-4363, Smart/TNT/Sun: (0918) 898-4363
D. Registered DependentsCriteria for Eligibility
PrimaryLegitimate dependent spouse, dependent legitimate, legitimated or legally adopted, and illegitimate children, who are not over 21 years of age.Single individual may list parents 60 years old and aboveImmediate family member (parents,siblings,spouse and child/ren)
SecondaryParentsMarried individuals may list spouse and children
TertiaryAny person designated by the memberN/A
E. Requirements
FilipinosBirth Certificate/Baptismal Certificate, Government-issued ID (passport, driver’s license, PRC,TIN, etc.)Government-issued valid IDs (TIN, driver’s license, passport, etc)
For voluntary, 1 NSO-issued Birth CertificateLifetime Membership Requirements: 2 copies of 1×1 latest photo, 2 valid IDs; and any of the following documents:For SSS pensioners:

  • Photocopy of Death, Disability and Retirement (DDR) indicating the date of retirement and effectivity date of pension
  • Photocopy of the Retiree/Pensioner Certification indicating the effectivity date of retirement

For GSIS pensioners:

  • Photocopy of Certification/Letter of Approval of Retirement indicating the effectivity date of retirement
  • Photocopy of Service Record issued by the employer showing rendered services of not less than 120 months
  • Photocopy of Certification/Retirement Gratuity from the employer indicating services of not less than 120 months
  • Photocopy of retirement voucher issued by GSIS

For Uniformed personnel of AFP, PNP, BJMP and BFP:

  • Photocopy of General/Special or Bureau Order indicating effectivity date of retirement
  • Photocopy of Certification/Letter of Approval of Retirement from the GSIS indicating services of not less than 120 months
  • Photocopy of Statement of Services issued by previous employer showing service of not less than 120 months

GSIS Disability Pensioner / SSS Permanent Total Disability Pensioner before March 4, 1995:

  • Photocopy of Death, Disability and Retirement (DDR) indicating the date of retirement and effectivity date of pension
  • Photocopy of Disability Pensioner Certification issued by SSS/GSIS indicating effectivity date of pension or the period of coverage for the disabled pensioner.

SSS Survivorship Pensioner before March 4, 1995:

  • Photocopy of Death, Disability and Retirement indicating the type of survivorship in nature and the effectivity date of pension
  • Photocopy of Survivorship Pensioner Certification indicating the effectivity date of pension

Other individuals who are not under the abovementioned categories:

  • Photocopy of official receipts of premium payments to PhilHealth
For Employed Individuals: Government-issued IDs
For Voluntary/Self-Paying Employee: Company ID, certificate of employment and compensation, and latest payslip
For Self-Employed: PRC, Latest ITR, 2 copies of 1×1 photo
For OFWs: Contract of employment, POEA license, passport, 2 copies of 1×1 photo
For Unemployed: Spouse-affidavit of employment, certificate of employment of spouse, written consent of member-spouse
Expat

Passport (required)

SPA (if manual registration done by a representative)

Passport;ACR I-Card (Alien Certificate of registration Identity Card) for residing/working expats, Special Resident’s Retiree’s Visa (SRRV) with permanent residency for interested foreign retireesN/A
F. Restrictions
Not over 60 years oldNo age limitNot over 60 years old for mandatory membership
Not a surviving spouse/guardian of the pensionerForeign nationals 60 years old and above not qualified under mandatory Philhealth coverage18-65 years old for voluntary membership
G. Duration
LifetimeWith expiry (expired once missed the 9 contribution preceeding the availment of benefit); Lifetime membership retired senior citizen with not less than 120 contributionsMembership shall be for 20 years with total 240 contributions unless terminated by the following grounds: retirement, permanent total disability/insanity, termination by reason of health,permanent departure in the country,death)

SSS, PhilHealth, and Pag-IBIG Cash Loan Options:

ParticularsSSSHDMF (Pag-IBIG)
1. Loan TypeSalary LoanMultipurpose
2. Loan DescriptionA cash loan granted to an employed, currently-paying self-employed, or voluntary member. It is intended to meet the member’s short-term credit needs.The Pag-IBIG Fund Multi-Purpose Loan or MPL Program is a cash loan that qualified members may secure to assist them with any immediate financial need.
3. EligibilityAll currently employed, currently contributing self-employed, or voluntary memberMust be an actively contributing member
3.A. Required ContributionMust have at least a total of 36 posted month contribution for a 1-month loan and 72 posted monthly contributions for a 2-month loan, six of which should be within the last twelve months prior to the month of filing the loan applicationWith at least twenty-four monthly membership savings and sufficient proof of income to qualify.
3.B. RestrictionsMust be updated in the payment of contributions;
Has not been granted final benefits, (total permanent disability, retirement and death);
Must be under 65 years of age at the time of application; and
Has not been disqualified due to fraud committed against the SSS
If you have an existing Pag-IBIG Fund Housing Loan, MPL and/or Calamity Loan, your payments must be updated to qualify
4. Loan Amount1 Month Salary Loan equivalent to average Monthly Salary Credit of the latest 12 month posted contributions; or
2 Months Salary Loan equivalent to average Monthly Salary Credit of the latest 12 month posted contributions;
Up to 80% of their total Pag-IBIG Regular Savings, which consist of their monthly contributions, their employer’s contributions, and accumulated dividends earned. The more you save in your Pag-IBIG Regular Savings, the higher loan amount you may apply for via MPL
5. Interest10% per annum based on diminishing principal balance10.5% per annum
6. Repayment TermPayable within two years in 24 monthly installments.Payable within 24 months
7. Loan RenewalRenewal shall be allowed after payment of at least 50% of the original principal amount and at least 50% of the term has lapsed.
The outstanding balance of the existing loan shall be deducted from the loan proceeds of the new loan.
After paying an equivalent of six (6) monthly amortizations. The outstanding balance of the existing loan shall be deducted from the loan proceeds of the new loan.
Application
1. Procedure1. Visit https://www.sss.gov.ph/sss/ and access the SSS Member Portal
2. Log in to your My.SSS Account
3. On the menu bar, click the E-Services tab and select ‘Apply for Salary Loan’
4. Choose your preferred electronic loan disbursement channel
5. Read the Disbursement Account Enrollment Module (DAEM) Reminder
6. Enroll your bank account or mobile number using DAEM
7. Wait for the approval of your Disbursement Account enrollment
8. Once approved, proceed to apply for a salary loan
9. Read or print the loan disclosure statement
10. Wait to be notified of your SSS Salary Loan application status
11. Claim loan proceeds through your enrolled bank account or disbursement channel
1. Submit accomplished Multi-Purpose Loan Application Form and required supporting documents
2. Get STL Acknowledgement Receipt (HQP-SLF-121)
3. Obtain loan proceeds on the scheduled disbursement date
2. Requirements1. SSS Online Account
2.A. PESONET ACCREDITED/PARTICIPATING BANKS – Active single account in any PESONet accredited banks under your name. Joint account is not acceptable.
2.B. SSS ISSUED UBP QUICK CARD*Nomination of invalid/incorrect account number, closed account and dormant account will result to unsuccessful crediting of your loan proceeds, and shall be subject for cancellation of approved loan. Hence, a re-submission of a new loan application will be required.
Disbursement thru check is no longer available
  • Multi-Purpose Loan Application Form (MPLAF, HQP-SLF-065)
  • Photocopy of at least one (1) valid ID
  • Proof of Income (Formally-employed)
  • The “Certificate of Monthly Net Income” portion at the back of the application form must be accomplished by the employer or submit a photocopy of the latest payslip duly authenticated by the company’s authorized representative.
  • Proof of Income (Self-Employed or Individual Payors) Photocopy of any of the following:
    • Business/Mayor’s Permit;
    • Commission Vouchers; or
    • Other valid proof of income.
  • For releasing of loan proceeds thru Payroll Account*/Disbursement Card**, submit a photocopy of the Payroll Account*/Disbursement Card**.
    • For application thru the employer, the photocopy of Payroll Account*/Disbursement Card** shall be duly certified by the employer
    • For individual application, the Payroll Account*/Disbursement Card** shall be presented for authentication

*Payroll Accounts using Land Bank of the Philippines (LBP) Accounts for Disbursement
** Land Bank of the Philippines (LBP), Development Bank of the Philippines (DBP) or United Coconut Planters Bank (UCPB) Cash Cards

SSS, PhilHealth, and Pag-iBIG Calamity Loan Options:

ParticularsSSSHDMF (Pag-IBIG)
1. Loan TypeCalamity Loan Assistance ProgramCalamity Loan Program
2. Loan DescriptionMembers who are residents of the calamity stricken areas as declared and may be declared by the National Disaster Risk Reduction and Management Council (NDRRMC) and who suffered losses or damages to their properties located in the said calamity stricken areaThe Pag-IBIG Fund Calamity Loan Program seeks to provide immediate financial aid to affected members in calamity-stricken areas
3. EligibilityAll currently employed, currently contributing self-employed or voluntary memberMust be an actively contributing member residing in an area declared by the Office of the President or the Local Sanggunian under a state of calamity
3.A. Required ContributionMust have at least 36 posted month contribution, six of which should be within the last twelve months prior to the month of filing of applicationWith at least twenty-four monthly membership savings (MS) and sufficient proof of income to qualify.
3.B. Restrictions

Must be a resident of the calamity declared areas and suffered losses or damages to their properties. A resident is one who has a home address or property at the stricken area;

Have not been granted any final benefit (total permanent disability, retirement, and death) at the time of application; and

Does not have an outstanding restructured loan under the SSS Loan Restructuring Program (LRP)

If you have If an existing Pag-IBIG Fund Housing Loan, MPL and/or Calamity Loan, your payments must be updated for to qualify
4. Availment PeriodThree months from the declaration of State of Calamity90 days from the declaration of a state of calamity
5. Loan Amount1 Month Salary Loan equivalent to average Monthly Salary Credit of the latest 12 month posted contributions;Up to 80% of their total Pag-IBIG Regular Savings, which consist of their monthly contributions, their employer’s contributions, and accumulated dividends earned
6. Interest 10% per annum based on diminishing principal balance5% per annum
7. Repayment TermsPayable within two years in 24 monthly installments.Payable within 24 months
Application
1. ProcedureA member who is registered at My.SSS can submit the salary loan application online.1. Submit accomplished Calamity Loan Application Form and required supporting documents.
2. Get STL Acknowledgement Receipt (HQP-SLF-121)
3. On scheduled date, get loan proceeds.
2. Requirements1. SSS Online Account
2.A. PESONET ACCREDITED/PARTICIPATING BANKS – Active single account in any PESONet accredited banks under your name. Joint account is not acceptable.
2.B. SSS ISSUED UBP QUICK CARD*Nomination of invalid/incorrect account number, closed account and dormant account will result to unsuccessful crediting of your loan proceeds, and shall be subject for cancellation of approved loan. Hence, a re-submission of a new loan application will be required.
Disbursement thru check is no longer available
  • Calamity Loan Application Form (CLAF, HQP-SLF-066)
  • Photocopy of at least one (1) valid ID
  • Proof of Income (Formally-employed)
    • The “Certificate of Monthly Net Income” portion at the back of the application form must be accomplished by the employer or submit photocopy of latest payslip duly authenticated by company’s authorized representative.
  • Proof of Income (Self-Employed or Individual Payors)  Photocopy of any of the following:
    • Business/Mayor’s Permit;
    • Commission Vouchers; or
    • Other valid proof of income.
  • For releasing of loan proceeds thru Payroll Account*/Disbursement Card**, submit a photocopy of the Payroll Account*/Disbursement Card**.
    • For application thru the employer, the photocopy of Payroll Account*/Disbursement Card** shall be duly certified by the employer
    • For individual application, the Payroll Account*/Disbursement Card** shall be presented for authentication

*Payroll Accounts using Land Bank of the Philippines (LBP) Accounts for Disbursement
** Land Bank of the Philippines (LBP), Development Bank of the Philippines (DBP) or United Coconut Planters Bank (UCPB) Cash Cards

SSS, PhilHealth, and Pag-ibig Contribution:

ParticularsHDMFSSSPHIC
Qualified Individuals

All individuals can contribute to the HDMF upon reaching 18 years of age. For all employees, HDMF contribution is automatic as soon as they are hired by a company and start earning a salary—it comes in the form of a deduction from the employee’s pay.HDMF, or Pagibig, aims to provide savings and shelter plans for all Filipinos. It helps its members by returning their monthly contributions, employers’ contribution in their behalf, and any dividend earned by the money after a certain period of time, such as:

  • After 20 years since the member started contributing;
  • at the time of the member’s retirement; and
  • when he is no longer able to work because of injury, illness, or insanity

When a member decides to migrate, he has the option to claim his HDMF benefits before departure. In the case of death before the member is able to claim any benefit, the amount due to him will then be divided among his beneficiaries. PAG-IBIG also allow members to file for housing loan and to increase their monthly contributions to get more savings.

All employers are required and mandated to remit payments to Social Security System (SSS) of the employees and employer premiums, either every month or every quarter, to ensure complete SSS postings, securing entitled SSS benefits for their employees.

Qualified Members for PhilHealth coverage without additional premiums:

  • Legitimate spouse who is not a member;
  • Child or children – legitimate, legitimated, acknowledged and illegitimate (as appearing in birth certificate), adopted or stepchild or step children below 21 years of age, unmarried and unemployed.
  • Children who are twenty-one (21) years old or above but suffering from congenital disability, either physical or mental, or any disability acquired that renders them totally dependent on the member for support, as determined by the Corporation;
  • Foster child as defined in Republic Act 10165 otherwise known as the Foster Care Act of 2012;
  • Parents who are sixty (60) years old or above, not otherwise an enrolled member, whose monthly income is below an amount to be determined by PhilHealth in accordance with the guiding principles set forth in the NHI Act of 2013; and,
  • Parents with permanent disability regardless of age as determined by PhilHealth, that renders them totally dependent on the member for subsistence.
  • Qualified dependents shall be entitled to a separate coverage of up to 45 days per calendar year. However, the 45 days allowance shall be shared among them.

Note: Qualified dependents must be declared by the principal member. Their names must be listed under the principal member’s Member Data Record (MDR) to ensure hassle-free benefits availment

Requirement in Paying
(Forms & Documents)
1. HDMF Membership Savings Remittance Form (https://www.pagibigfund.gov.ph/document/pdf/dlforms/providentrelated/PFF053_Member’sContributionRemittanceForm_V03.pdf)SSS Form R5 – Employer Contributions Payment Return
SSS Form R3 – Contribution Collection List

For Newly Hired And Existing Employees Without PIN:

  • Fill out two (2) copies of the PhilHealth Member Registration Form (PMRF)
  • Submit PMRF to the HR Department of employer
  • Wait for Member Data Record and PhilHealth ID card from employer

For Newly Hired Employees With PIN

  • Report your PIN to your employer for them to indicate the same in their ER2

Premium Requirements:
Premium contributions are shared by the employee and the employer, the amount of which is determined based on the new premium contribution rate. After deducting half of the premium requirement from your monthly salary, total premiums are remitted by your employer to PhilHealth.

Continuing your coverage:

  • If leaving formal employment to venture into self-employment
  • Register under the Informal Economy and pay the premium at any PhilHealth Office or accredited payment center.
  • If the average monthly income over the last 12 months is P25,000 and below, the quarterly premium is P600.
  • If leaving formal employment to venture into self-employment
  • If the average monthly income over the last 12 months is above P25,000, quarterly premium is P900
  • Payment can be made monthly, quarterly, semi-annually or annually.
  • If seeking employment as land-based overseas Filipino worker
  • Indicate existing PhilHealth Identification Number (PIN) when processing registration and payment to PhilHealth as a migrant worker.
  • If already at age of retirement, have contributed at least 120 monthly premiums, and is not gainfully employed:
DescriptionAccomplish this form in softcopy when making remittances to Pag-IBIG Fund
or to any accredited collecting partner based on the following payment
schedule:Schedule of Payments:First Letter of Employer/Business Name:
A to D: 10th to the 14th day of the month
E to L: 15th to the 19th day of the month
M to Q: 20th to the 24th day of the month
R to Z, and Numeral: 25th to the end of the month
SSS Form R5:
This form is submitted monthly together with the SSS Form R3. You must fillout the following details accordingly:

  • Employer No.
  • Business Name
  • Business Address
  • Business Tin
  • Applicable Reporting Period
  • Type of Payor
  • Form of Payment (If cash or check)
  • Total Amount of Payment

After the employer has paid the contribution, the bank or SSS Office will put a stamp on the R5 form which will serve as proof of payment.

SSS Form R3:
This form is submitted monthly or quarterly before the 10th of the following month. If the due date falls on weekend or Holiday it must be submitted by the first working day after. The purpose of this form is to submit names of employees and employer contributions to SSS.

Employers must submit premium contributions to PhilHealth through their Electronic Premium Remittance System (EPRS). The steps are as follows:

1. Visit https://eprs01.philhealth.gov.ph/ and register (if you already have an existing account, simply login). Registration can be made online through EPRS portal or at your nearest PhilHealth Office branch.
2. Check registered email and follow instructions provided by PhilHealth
3. Once registered and logged in, provide an update of your employee masterlist. You can upload a file through ‘Remittance Management’ option or manually update through ‘Employees Management’ option.
4. Generate your Statement of Premium Account (SPA)
5. Pay the necessary fees

Mode of PaymentCash or Check Payable
HDMF only accepts online payment and payment within HDMF offices
Cash or Check Payable to Social Security System (SSS)Cash or Check Payable
PHILHEALTH accepts online payment and payment with banks (registered accepting government payments)
Steps and Procedures

Step-by-step payment procedures with SSS:

1. Fill out three copies of SSS Form R5 and SSS Form R3
2. Visit your closest SSS Branch and pay the contributions
4. Once the contributions are paid, submit the receipt together with the SSS R3 file* via USB flash drive.

*This SSS R3 file can be created by the SSS R3 generator. You can download the software through https://www.sss.gov.ph/sss/index2.jsp?secid=1&cat=101

Payment And Reporting Procedures:

1. Deduct the amount of monthly premium corresponding to the employee’s share from the employee’s basic monthly salary. For reference, you may check the latest PhilHealth Premium Contribution Table.
2. Remit the employee’s premium contribution, together with the employer’s share, to any of the Accredited Collecting Agents on or before the due date.

Important:

All employers are required to use the Electronic Premium Remittance System (EPRS) application as the mode for the payment of the premiums, and preparation and submission of remittance report. The EPRS is a web-based application designed to allow access to employee information through the employer’s PhilHealth Employer Engagement Representatives (PEERS). Security features are put in place to ensure the confidentiality of information.

The E-Pay Services of the Bank of the Philippine Islands, Citibank, Unionbank, Security Bank Development Bank of the Philippines, Asia United Bank, China Banking Corporation, CTBC Bank (Philippines) Corporation, Philippine National Bank, East West Banking Corporation, RCBC Savings Bank, Philippine Veterans Bank and Metropolitan Trust & Bank Company are also available for the employers to facilitate payment and reporting of premium contributions.

Contribution Amount

The HDMF Contribution rate for all members, except for non-working spouses of Pag-ibig members, are as follows:

Monthly Compensation Contribution Rate
Employee Employer (if any)
₱1,500 and below 1.0% 2.0%
Over ₱1,500 2.0% 2.0%

The maximum monthly compensation to be used in computing the employee and
employer contributions shall not be more than ₱5,000.

For a comprehensive view of the SSS Contribution table, follow this link <https://www.sss.gov.ph/sss/DownloadContent?fileName=2021-CONTRIBUTION-SCHEDULE.pdf>For a comprehensive view of the PhilHealth contribution table, follow this link <https://www.philhealth.gov.ph/circulars/2020/circ2020-0005.pdf>
Payment Deadlines

Schedule of Payments:

First Letter of Employer/Business Name:

A to D: 10th to the 14th day of the month
E to L: 15th to the 19th day of the month
M to Q: 20th to the 24th day of the month
R to Z, and Numeral: 25th to the end of the month

In case of late remittance, HDMF will claim penalty fees of 1/10 of 1% per day.

Below are the following deadlines for SSS contributions:

1. Regular Employers – the last day of the month following the applicable month
2. Household Employers – last day of the month following the applicable month or calendar quarter
3. Self-employed, Voluntary, and Non-Working Spouse Members – last day of the month following the applicable month or calendar quarter
4. OFW Members – January to September – until December 31 of the applicable year; October to December – until January 31 of the following year

Below are the following deadlines for PhilHealth contributions:

1. Employers with PENS ending in 0-4 – Every 11th-15th day of the month following the applicable period.
2. Employers with PENS ending in 5-9 – Every 16th-20th day of the month following the applicable period.

Secure Full Compliance with Government Agencies in the Philippines

As an employer in the Philippines, it is essential to familiarize yourself with the relevant compliance regulations from applicable government agencies. Doing so will keep you from encountering unwanted issues in the future while ensuring that your employees receive their benefits properly as mandated by Philippine laws. 

Managing the necessary employee reporting can be challenging. If you find such procedures exhaustive, it is best to reach out to recruitment firms to help guide you through your employee management needs. 

Stay Up-to-date with Your Employee Reporting Needs

With a full suite of recruitment and HR consulting services, our team is dedicated to helping you achieve your employee management needs with ease.

Authors

  • Roxanne Menguita is a Certified Payroll Professional who has been handling payroll processing in the Philippines for more than 10 years, and is now sharing her expertise to clients and subordinates. She collects books of any genre and will never back down from any mind-challenging game.

  • Claire Antonette Santos is a Certified Payroll Professional who specializes in end-to-end payroll processing, and regulatory compliance. She currently handles clients in industries such as IT-BPO, Pharmaceuticals, Insurance, Manufacturing and Serviced Offices. On off-days, she indulges in chocolate and sings in a church choir.

  • Jojie Gilbuela is a Certified Payroll Professional specializing in end-to-end payroll processing and regulatory compliance. She is currently focused on handling clients from the BPO industry. In her spare time, she enjoys bingeing on Korean series and old Filipino movies.

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