SSS, PhilHealth, and Pag-IBIG are government-mandated programs in the Philippines that provide benefits to employees and other contributors. Here is a brief overview of each program:

• Social Security System (SSS): This program provides social security protection to employees in the private sector, self-employed individuals, and voluntary members. Members can avail of benefits such as salary loans, maternity, disability, sickness, and death benefits, and pension upon retirement age.

• Philippine Health Insurance Corporation (PhilHealth): This program provides universal health insurance coverage and healthcare services for all citizens of the Philippines. Members receive financial assistance for medicine, hospital costs, and certain inpatient and outpatient procedures. Members are classified as either direct or indirect contributors. Direct contributors are persons with the capacity to pay premiums, such as employees, self-employed individuals, and OFWs. Indirect contributors are all others who are not classified as direct contributors, such as indigents, senior citizens, and persons with disability; their contributions are subsidized by the national government.

• Home Development Mutual Fund (Pag-IBIG): This program is a provident savings system that supplies housing loans to public and private employees, as well as to self-employed persons who apply for membership. Members can also avail of salary loans, calamity loans, and a Provident savings program that returns all contributions plus interest. Membership in Pag-IBIG is mandatory for all persons who are covered by SSS or GSIS, as well as uniformed members of the AFP, PNP, BJMP, and BFP. Voluntary membership in Pag-IBIG is also welcomed.

All employees are required to become members of SSS, PhilHealth, and Pag-IBIG under Philippine labor laws.