Question & AnswerQ&A (HDMF CIRCULAR NO. 331)
The main objective is to promote the rights of Kasambahays through mandatory coverage under Pag-IBIG Fund pursuant to R.A. 10361 (Domestic Workers Act), provide appropriate policies on membership registration of Kasambahays and their employers, set policies on remittance of Mandatory Savings by the employer, and align policies with R.A. No. 9679 (Home Development Mutual Fund Law) and its IRR.
A Kasambahay or Domestic Worker is someone who works within the employer's household, whether on a live-in or live-out arrangement.
The employer refers to any person who engages and controls the services of the Kasambahay and is a party to the employment contract.
Mandatory membership applies to Kasambahays who are general household helpers, yayas (nannies), cooks, gardeners, laundry persons, or any person who regularly performs domestic work in one household on an occupational basis (including live-out arrangements).
Yes, service providers, family drivers, and persons who perform work occasionally or sporadically not on a regular basis may register with the Fund under voluntary coverage despite exclusion from the Batas Kasambahay.
A Kasambahay is eligible for membership registration after rendering at least one (1) month of service to the employer.
Both Kasambahay and employer shall register online through the Kasambahay Unified Registration System (Kasambahay URS) and accomplish computerized Unified Registration Forms. If online URS is unavailable, hard copies should be submitted to the nearest Pag-IBIG Fund branch.
For Kasambahays earning Php 1,500 and below, 3% of their monthly compensation is shouldered by the employer; for those earning over Php 1,500 up to Php 4,999, the employer shoulders 4%.
If the Kasambahay earns at least Php 5,000 monthly, both Kasambahay and employer share the Mandatory Savings equally at 2% each, with a maximum compensation capped at Php 5,000 for computation.
A penalty of 1/10 of 1% of the amount due per day of delay is charged to the employer. If payment is not made within the month, the penalty accrues from the first day after full settlement.
Employers who register their Kasambahay on or before December 27, 2013, will not be charged penalties provided they remit corresponding Mandatory Savings from their Kasambahay’s first month of employment or from June 4, 2013, whichever is later.
This Circular takes effect immediately upon issuance.
The employer shall inform Pag-IBIG Fund of any incidences affecting membership such as leave without pay, resignation, involuntary separation, or death.
The maximum monthly compensation used to compute the Kasambahay and employer contributions shall not exceed Php 5,000.
Yes, employers who register Kasambahays with SSS or PhilHealth through Kasambahay URS are automatically considered registered with Pag-IBIG Fund, with contributions remitted per respective agencies’ policies.