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Moving to the Philippines

Where’s My Philippine Senior Citizen Discount Card?

2019-04-24 by Dave Starr 8 Comments

Philippine Senior Citizen Discount Card.

(Updated 25 July 2019)

IMPORTANT UPDATE AT THE END OF THE ARTICLE Please Read and Watch

Basic Question Often Asked is, Can A Foreigner Avail Of The Philippine Senior Discount Program?

Basic answer:  No.

OK, I’m sure many of you living here in the Philippines want to know more than just a simple “No”, so I’ll tell you a little of the “why” behind that answer.

I first published a similar article to this one on this back in 2010, at the time the Aquino administration took office.

Let me first say, that as a foreigner I fully understand that the Philippine is a sovereign nation and has every right to enact and enforce their own laws.  We foreigners have no choice, legally or morally but to follow to laws.

I have no issue with following the law at all

But Some Big Changes Were Made in 2010.

And the 2010 changes can result in some very serious penalties for anyone who breaks the current law … and not only foreigners may be at risk here.

Some Filipinos and former Filipinos routinely break the current law, probably because they are not aware of how the law has evolved.

The revised rules for use of the Senior Citizen Card were one of the earliest pieces of legislation enacted by President Aquino.

The abuse and misuse of the Senior Citizen program might (or might not) be an item of some interest in the current administration.  This article is just a word to the wise.  I am not an attorney and this is not legal advice, but personal opinion only.  This article will not be of interest to some of my younger readers. No problem, feel free to flit elsewhere, I bear no grudge.

But almost all of us are in one of two groups.

Those who have already reached the “golden years” (like me) or those who hope to live long enough to be included … so perhaps this is of more general interest than you first thought it was.

Many also reading may have Filipino relatives age 60 or older, and you may find that some of what I write about here is very directly applicable.

Please note I am trying to eliminate all personal opinion here and present just the facts.

None of this is “what I heard” or what “Joe down at the VFW told me”.

I have a reference for every fact.

If you disagree, fine, but please be sure to refer to the facts presented before you start spouting off about how you heard differently.  If I did make an error and you find it, I’d a appreciate an authoritative reference, but don’t take up a lot of time telling me what Tita Toni down at your local Senior Citizen office “told you”.

She is not the law of the land.

The law has changed, significantly, since the Senior Citizen Card and Discount Program was first enacted.

There have been at least three major revisions in the law so what you KNEW back in 2006 or 2007 (just as what I myself KNEW back in 2006 when I moved here), is mostly wrong in 2019.

Is There a Viable Senior Citizen Discount Program in the Philippines?

You bet there is.  Among other benefits it covers:

  • Purchase of medicines, including influenza and pneumococcal vaccines and other essential medical supplies, accessories and equipment;
  • Actual fare for land travel in public utility jeepneys, taxis, Asian utility vehicles and shuttle services.
  • Free vaccination against influenza and pneumococcal disease for indigent senior citizens.
  • Benefit assistance to the nearest kin of a deceased indigent senior citizen worth P2,000.
  • Five percent (5%) discount on water and electric bills registered in the name of the senior citizen, provided that consumption is below 100 kilowatt-hours of electricity and 30 cubic meters of water a month;
  • Additional government assistance, i.e., social pension/monthly stipend of P500, mandatory PhilHealth coverage, and social safety assistance (food, medicines and financial assistance).

What Philippine Law Covers These Senior Citizen Benefits?

RA (Republic Act) 9994, known as The Expanded Senior Citizens Act of 2010

(This is the current law and is well worth reading for those of you with questions. Don’t worry, it’s less than 4 full pages, you won’t have to spend the whole day reading it.  Read the complete law here)

Who is covered by this act?

Residents of the Philippines who are citizens of the Philippines who have attained the age of 60 years.

You can look up the exact legal language up for yourself.

I have seen literally hundreds of Balikbayan Filipinos over the years who have cards and routinely avail of the Senior Citizen card.

Note the language that specifies “residents” of the Philippines.

This does not appear to mean “former residents” who now reside in California and are here visiting.

I wrote the sentence above in a slightly different fashion that the original act to point out something important.

Only Philippine Citizens may legally use the discounts and other benefits covered by RA 9994.

I get questions more often than you might think regarding this question, and I see it discussed, sometimes Ad nauseam, in groups and forums of interest to foreigners living in the Philippines.

(Oh, and by the way, if you are a former Filipino (as in living here under a 13(g) permanent visa, you are not a Filipino citizen for the purposes of this law, so the law does not cover you either.)

The language was written the way it is for a specific purpose … to distinctly define who is eligible … and there are a number of my foreigner friends, for example, who have long believed they were entitled to the senior discount privileges … and even some who already avail of them … but the new law is pretty specific.

Only Philippine Citizens are covered.

Now that I have made myself undyingly (un)popular with the foreigner community, let me mention a little about how some of the confusion regarding this law, and its predecessors have come to pass:

How It Used To Be:

The First Senior Citizen Law:

In the early 90’s, the first law on senior citizens, RA 7432, was enacted to maximize the contribution of senior citizens to nation-building and to grant them benefits and special privileges.

Among others, this law granted the senior citizens a 20% discount on purchases of essential goods and services.

Philippine Senior Citizen Discount CardMany of the official/semi-official writings I have seen on this law seem to be confusing about its applicability to permanent residents, as well as Philippine citizens … but the law itself says, specifically, that the Senior Citizen discount privileges and accompanying identification documentation is for Filipino Citizens only.

I don’t know how many of my readers might have been around the Philippines when the original law, RA 7432 was passed, but legally there was no confusion regarding citizenship. The Act clearly made the program available ONLY to Philippine citizens, so no real case for confusion.

Enter RA 9527 (and so begins the confusion)

In 2003, RA 7432 was amended by RA 9257, otherwise known as the “Expanded Senior Citizens Act of 2003,” which granted additional benefits and privileges to senior citizens.

There are also specific procedures in RA 9257 that allow government officials, such as barangay captains, to grant the issuance of the Senior Citizen ID to others, including foreigners if they make specific and documented contributions to their local community.

There Was a Legal “Window of Opportunity” from 2003 to 2010 for Foreigner Senior Citizen Cards.

Thus from 2003 until 2010, there WERE legal provisions for LGU (Local Government Officials) to issue Senior Citizen Discount Cards to foreigners who, in the LGU official’s opinion, basically, deserved them.

So there are a non-trivial number of non-Filipinos around today who have senior citizen cards which probably were issued legally at the time.

Every time this discussion comes up, I get many foreigners telling me, “You’re crazy, I have a legally issued Senior Citizen card.  You don’t know what you’re talking about!”

And, indeed, if those foreigners (or non-resident Filipinos) got their cards legally under RA 9257, they certainly were valid … at least at the time they were issued.

But Are They Legal Today?

This has lead to a LOT of confusion because if you have such a card and some upstart, non-lawyer like me comes along an tells you not only shouldn’t possess that card but that you might face jail or deportation for using it, I can well understand why thoughts of WTF come to mind.

But Beware! The New Law (Now In Effect)  is DIFFERENT!

In 2010 RA 9994 was signed into law.

However, if you bother to read it, you’ll note that there is no such provision for barangay captains, senior citizen coordinators and other local officials to issue Senior Citizen ID cards to foreigners or non-resident Filipinos.

Under the most current law, RA 9994 … so no citizenship, no ID … seems to be the clear intent.

With every Philippine law comes what some would consider the “fine print”.

The IRR (Implementing Rules and Regulations). I believe there may yet be changes in the IRR for RA 9994, but here is a link to them as they are currently published.

If you don’t want to wade through the whole reference, you might at least want to read:

5.1 SENIOR CITIZEN OR ELDERLY – refers to any Filipino citizen who is a resident of the
The Philippines, and who is sixty (60) years old or above. It may apply to senior citizens with “dual
citizenship” status provided they prove their Filipino citizenship and have at least six (6) months
residency in the Philippines.

I don’t know about you, but to me this is pretty clear that no “non-Filipino” is covered by the law.

And This Law Has “Teeth”

You also might want to pay particular attention to Article 24, Sections 3 and Sections 4 of the referenced IRR.

… use of the Senior Citizen privilege by a person not entitled to use the privilege is punishable by a fine of not less than P50,000 and (If I were a lawyer, I would tell you why they chose the word ‘and” here and not the word “or” … but in layman’s terms, it likely means you are going to jail) a prison sentence of not less than six months. …

Now as you well know, I am not an attorney, but the words above seem pretty clear to me, even with no law degree or bar exam.

Anyone out there who cares to offer an alternative explanation? (again, I mean something factual, not yet another “but I heard”) statement?

However, as you’ve no doubt heard Ron Popeil (you don’t know Ron? Google is your friend) say, “But wait, there’s more!”

The jail time and fines are in Section 3. Section 4 is short and sweet, and applies to most of us reading this:

In Addition to Jail:

“If the offender is an alien or a foreigner, he/she shall be deported immediately after service of sentence without further deportation proceedings”

Ouch! I don’t think a 20% discount on anything is worth that, do you?

Some Backup Information:

After I started writing, I ran across an official letter sent by the director of a large organization (with many foreigner members) here in the Philippines, asking for official policy on their former practice of issuing discount cards to foreigner members.

Here’s an excerpt from a March 2011 letter from the Department of Social Welfare and Development, the government agency who actually “owns” the Senior Citizen Discount program, in response to a letter from an executive here in the Philippines explicitly asking for an opinion on foreigners and balikbayans using the program. I think it reads pretty clear.

(sorry the image of the original letter has disappeared)

The Department of Social Welfare and Development gave a clear answer in their signed response that no matter what had been done in the past, only resident (at least 6 months in the Philippines) Philippine citizens are authorized to be issued Senior Cir=tizen discount cards and to avail of the program.

Is That Understandable?

Any English professors in the audience may differ with me .,, but I find this pretty clear.

Can you interpret that in any way to indicate there is a legal way for foreigners, or even non-resident Filipinos to avail of these discounts? I can’t.

So, now you know.

As a foreigner or former Filipino, you can not avail of the Senior Citizen Discount Program in the Philippines.

You must be a Filipino and furthermore, you must be legally resident in the Philippines for 6 months to qualify for the card. Things change over the years, they may change again … but the law of the land today seems pretty clear.

But What If I Already Have a Card?

If I had a card, as a foreigner, I’d burn it … I can’t see how the promise of an occasional discount can be worth the very real risk of a substantial fine, a mandatory jail sentence and then mandatory deportation.

However, this is the Internet, so YMMV … but you can’t say Dave didn’t warn you.

Important Update:

Some bloggers are apparently passing some erroneous information on this. 

THERE HAS BEEN NO CHANGE IN THE LAW,

See this video which explains a bit about where the “Fake News” is coming from.

Filed Under: Moving to the Philippines

Reader Thoughts on Retiring in the Philippines, Jan 2019

2019-01-12 by Dave Starr 4 Comments

Reader Thoughts on Retiring in the Philippines.

(Updated January 11, 2019)

Here’s a great comment I received from a reader.  I wanted to make some additional comments and a couple of slight corrections, so I did, marked in blue.

Reader Thoughts on Retiring in the PhilippinesFood is exempt of the 12% sales tax and many stores in the provinces don’t apply it to their sales or services at all. but at the big malls, it is applied, most surely.

Partially correct, but the way you have stated it could be a little misleading.

Food, in the raw, in its natural state is not taxed.  Example, if you buy a kilo of rice, even though it may be milled and polished and cleaned, it is not taxed.

A head of cauliflower, as it comes from the field is not subject to taxation.

But something so simple as a basic can of beans is subject to the 12% VAT.  When you go to the supermarket as I do at least once a week, you’ll soon see that the taxed items far exceed the tax-free items.

 

[Read more…] about Reader Thoughts on Retiring in the Philippines, Jan 2019

Filed Under: Moving to the Philippines

Moving to the Philippines to Retire

2019-01-09 by Dave Starr 2 Comments

Are you thinking of Moving to the Philippines to Retire?

(Updated 8 January 2019)

Moving to the Philippines to RetireAre you one of those folks who is thinking about moving to the Philippines to retire?

Perhaps to stretch that ever-shrinking fixed retirement income.

Perhaps to get away from ice and snow and cold forever.

Perhaps just for a change of pace, escaping the treadmill and rat race of the USA to relax in your golden years.

There are many other potential reasons.  But the big question in many people’s mind is,

Does Retiring in the Philippine Even Make Sense?

Well, the answer to that question is going to be different for almost everyone who asks it.

First of all, it is important to remember that there s almost never a definite, for sure and positive yes or no answer.

There are only pluses and minuses which will be different for almost everyone.

All an individual can do is to decide if the pluses or the minuses add up in favor of making the move or not … and specifically for that individual only.

[Read more…] about Moving to the Philippines to Retire

Filed Under: Moving to the Philippines

Christmas Wishes and Your Gift From Me — Ask Me Anything

2018-12-25 by Dave Starr Leave a Comment

Ask Me Anything

(Updated 25 December 2018)

This post may contain affiliate links. See our affiliate disclaimer above.

Recently my blogging colleagues, Heath & Alyssa hosted an AMA on their website.

If you haven’t heard of it, AMA stands for Ask Me Anything and the trend started long ago on Reddit.

I’ve always wanted to do one, but I don’t use Reddit.

So it wasn’t until I saw Heath and Alyssa’s post that I realized it must be okay for bloggers to host AMAs too!

Ask Me Anything means you can ask me anything.

If you don’t know what to ask, here are a few things we love talking about here on PhilFAQS.com

  • Full-time Living in the Philippines
  • Part-time Living in the Philippines
  • Retiring in the Philippines (at any age)
  • Ditching the 9 to 5
  • Starting a business That Will Supplement Your Income
  • Blogging  (for both fun and profit)
  • Travel
  • Binge watching Netflix shows

And anything else you can think of.

How To Ask:

  • Just leave a public comment below.  I promise to answer every one.
  • Send me a spam-free email message using the Contact Form here:
  • Call me on my US number 1-719-966-4295.  You’ll probably have to leave a message, as I don’t sit by the phone here.  But if you leave a contact number and tell me what time zone you are in, I promise to call you back.

So Have a Great Christmas and an Even More Wonderful New Year

And ask me anything, the only stupid questions are the ones you don’t ask.

Filed Under: Moving to the Philippines

New Dedication To Duty … Take Advantage

2018-11-15 by Dave Starr Leave a Comment

Social Security Office Hours US Embassy Manila

This just in, many thanks to my colleague Jim …..

 

Social Security Office Hours US Embassy Manila

United States Embassy Manila, Philippines Message for U.S. Citizens: New Social Security Business Hours

Beginning Monday, December 3, 2018, the Social Security Administration (SSA) office at the U.S. Embassy in Manila will be open for in-office appointments and walk-in services from 8:00 a.m. to 12:00 p.m., Monday through Friday, except Philippine and U.S. holidays.

SSA’s telephone hours (phone number +63-2-301-2000 extension 9) will be from 8:00 a.m. to 11:00 a.m., Tuesdays and Thursdays, except Philippine and U.S. holidays.

SSA may also be reached by email at FBU.Manila@ssa.gov.

Contact info for Social Security Office Hours US Embassy Manila

Filed Under: Moving to the Philippines

Another Article On Why I’m Staying In The Philippines

2018-11-12 by Dave Starr Leave a Comment

Why I’m Staying In The Philippines

(Updated 12 November 2018)

A few days back I published an article here where I made a huge error in the title.  I never should have used the word “Final”.  Never say “never” or “final” or “ultimate” unless you have an iron-clad assure that this will actually BE your final word.

Final USA Observations On The Way Out The Door

Also, I published this article (below) recently as well, detailing why (at this time) moving back to the USA was not the right decision for my wife and me.

Still Keeping Me Rudely Awake 2018

Well Here’s The Thing With “Final”

Why I'm Staying In The Philippines

One of the major things I talked about in those two articles was the ridiculous costs for many things in the USA, compared with what I have to pay here in the Philippines.

Even though I paid all the charges on the three different US-based credit cards I used on the US trip, I found out I wasn’t quite done just yet

Final Charges are like Final Decisions.

They ain’t necessarily so.

Along came a charge on the US credit card I had used to rent a car in the Philippines.  Even though I had a receipt from that company, issued when the car was turned in that said “Final Charges”, I now find I have to pay more than $122 USD for “Airport Taxes and Usage Fees”.

If anyone has read the first article on the is subject you’ll recall I pointed out this “wonderful” practice being carried out by many US cities to screw the visitor, after the fact. [Read more…] about Another Article On Why I’m Staying In The Philippines

Filed Under: Moving to the Philippines

Final USA Observations On The Way Out The Door

2018-11-07 by Dave Starr 2 Comments

Final USA Observations On The Way Out The Door.

(Updated 6 November 2018)

Regular readers will recall I just published an article recently detailing some of my thoughts on staying here in the Philippines or going back to the USA.

You can read it here, and I feel you ought to if you are anywhere near as conflicted as I am over the “move back/Don’t move back” question.  Go ahead, I’ll wait for you here….

[Read more…] about Final USA Observations On The Way Out The Door

Filed Under: Moving to the Philippines

How long can you stay in the Philippines if you are a US citizen?

2018-11-03 by Dave Starr 2 Comments


How long can you stay in the Philippines if you are a US citizen?

(Updated 3 November 2018)

 How long can you stay in the Philippines if you are a US citizen?

I’m a US citizen and I want to know how long I can stay in the Philippines if I decide to retire there?

Simple Answer — A Long Time.

Now, how long is a “long time”?  Well in contrast to the USA, where visitors (if they can even GET a tourist visa) are normally limited to a 90-day stay, with no extensions, the Philippines is a dream country for international nomads for overseas retirees.

Apply The KISS Principle

Let’s start with a US citizen (or a citizen of any of the many visa waiver countries listed here).  The simple news is, you need only two things:

  1.  Your passport (valid for at least 6 months at the time you enter the Philippines).
  2.   Proof of Onward travel within 30 days of your arrival in the Philippines.

That’s all?  Yep, that’s all you need to get in the door.  From that point onward I’ll show you how to stay here in the Philippines legally for up to 36 months.  There are other visas you can get which let you stay even longer (up to the end of your life), but this is the KISS section, so let’s just stay with the initially free to anyone tourist visa.

[Read more…] about How long can you stay in the Philippines if you are a US citizen?

Filed Under: Moving to the Philippines

Still Keeping Me Rudely Awake 2018

2018-11-02 by Dave Starr 2 Comments

Still Keeping Me Rudely Awake.

(Last Updated 02 November 2018)

Three years ago I wrote about some current costs in Colorado and why the Cost of living Philippines is often 1/12 the cost of the USA.  It’s summarized below.

Why bring up something three years old today?

Still Keeping Me Rudely Awake.Well, my wife and I are currently in Florida, getting ready to return to our home in the Philippines in just a few days.

Many of our experiences on this trip are about the same as our trip three years ago.

To Stay Or Move

A  primary purpose of this trip (October 2018) was to “sniff the air” if you well, to see if we both might decide it was time to move back to the USA.

I was recently diagnosed with chronic obstructive pulmonary disease (COPD).  Not very happy news.  But I’m taking steps to minimize the issues (like getting off those damn cigarettes (yet again)), losing weight and other health-promoting things.

One of the reasons I started thinking strongly about going back to the USA is …

There’s No US Medicare in the Philippines

Many of my readers, of course, know this, but every month I get contacted by people who want to know the answer to things like “What hospitals in the Philippines “accept” Medicare”? and similar queries.

The answer is short and simple (although harsh to some).  None.

US Medicare does not pay at all for any procedures or care received outside the USA.
[Read more…] about Still Keeping Me Rudely Awake 2018

Filed Under: Moving to the Philippines

Blessed Are the Meek — Or Are They?

2018-10-19 by Dave Starr 2 Comments

Last updated 19 October 2018

Blessed Are the Meek.

First of all, let me throw in a little disclaimer here.  This post isn’t really all that much about religion, but I do throw in some Bible teaching and no matter what your personal feelings about religion, you can’t learn much about the Philippines without recognizing the fact that it is one of the most religious countries on earth.

I am a private individual and I pretty much keep my own religious views private … but I also have the freedom of the press and if I want to speak of things with a religious tone, I will.

You folks who feel that people who mention God or Jesus Christ in public are doing something forbidden, can go ahead and start preparing your “He spoke about God” case against me … or just click on to read something else.  Fair warning.

The Bible is Important in the Philippines

Some time back I think I lost a Filipino reader and a budding friend because he wrote me and told me how wonderful it was that Filipinos are “meek”, and he didn’t understand why I didn’t seem to see that as a great strength of the Philippine nation and people.

I responded to him that perhaps he and I weren’t seeing things exactly the same when it came to the true definition of “meek” … and the conversation died right there, aborning.
[Read more…] about Blessed Are the Meek — Or Are They?

Filed Under: Moving to the Philippines

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