Salary Guides

In-depth articles on SSS, PhilHealth, Pag-IBIG, TRAIN Law tax, employee loans, overtime, and labor rights — written for Filipino employees. All content is server-rendered HTML for easy reading and search indexing.

Contributions & Tax

2026 Rate Changes

Why SSS, PhilHealth, and Pag-IBIG held steady in 2026.

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SSS Contribution Guide

MSC brackets, 5% employee share, and payslip verification.

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PhilHealth Contribution Guide

Premium rates, salary floor/ceiling, and UHC Act rules.

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Pag-IBIG Contribution Guide

HDMF Circular 460, 1%/2% rates, and the ₱200 cap.

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TRAIN Law Tax Guide

Withholding tax brackets and buwis on your payslip.

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Loans

How to Apply for an SSS Salary Loan

Eligibility, My.SSS steps, and repayment budgeting.

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How to Apply for a Pag-IBIG MPL

Multi-Purpose Loan requirements and Virtual Pag-IBIG.

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SSS Salary Loan vs Pag-IBIG MPL

Compare two common employee loan options.

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Pay, Overtime & Benefits

Overtime Pay in the Philippines

DOLE rates, 21.75 factor, and OT computation.

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Holiday Pay Guide

Regular vs special holidays and rest day premiums.

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Night Differential Guide

Article 86, 10pm–6am, and stacking rules.

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BPO Night Differential & Holiday Pay

Shift premiums for call center workers.

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13th Month Pay Late?

PD 851 deadlines and DOLE SEnA steps.

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Separation Pay Guide

When it applies and how amounts are computed.

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Back Pay Guide

Unpaid wages, arrears, and DOLE claims.

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Career & Negotiation

Negotiate a Raise Using Net Pay

Why gross salary misleads during salary talks.

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Disclaimer: Guides provide payroll estimates for educational purposes only. Verify final figures with your employer or official agencies. Full disclaimer.