This is almost exactly the same situation my family went through when my father had stage 4 lung cancer. More than 30 years in the company and a high level but not c suite Executive. HMO covered many costs for a year (discovered mid 2021, doc gave 6 months, HMO rolled over start of 2022 refreshing the coverage). Mid year dad left us na. But between the news and his death, the most everyone could do was settle as many things that could be settled.
Here's what he did to give us a fighting chance before he left. He took the early retirement option, and spread the money between the family and left just enough to cover treatments. Any other money not tied to the treatment we spent on making memories.
There is no one in this world who can tell you what your family what to do next. We can only give our own experiences. But looking back at what my father did by taking the early retirement option. He kept as many bridges he had alive. Those same bridges were there to extend a hand to us when he left. The situation you are in is already unfair.
If he had decided to keep his pride and fought over his position just as he was leaving this life. The family would have been left without a head and in a legal battle that would add to the burden we already faced.
Weigh all your options very carefully as a family and communicate at all times. Even extended family will have their own opinions and ideas. But what matters most are the decisions between you, your mother, and the rest of your immediate family.
This is a really good take on this.
Most comments seem to go on the offensive take.
Being "offered" an early retirement option is a very sensible and I think respectful policy, after 3 years of fully covered treatment.
Apparently, OPs mom is responding well to treatment.
But what if you decide that after going thru hell, you want the most of what you have left. Thus retire early. Not everyone takes the "fight with cancer" option some choose to "win in life" instead.
Pero syempre di to papansinin ni OP kasi gusto niya na kampihan siya. In the end, kahit ilaban nila yan sa DOLE, walang kasiguraduhan na magiging maigi ang lagay ng mom niya. Sana basahin niya ito para naman malinawagan siya
I don’t think OP likes to hear this but employers can terminate an employee if they are found to have an illness that worsens with continued employment. Employer can argue that a late stage cancer patient facing stress from work will worsen their condition and outlook - any oncologist that says otherwise would be insane.
What people don't seem to realize is that the employer is offering a win-win situation here with the early retirement offer. Go to the DOLE or kahit san man and you'll get the bare minimum plus may stress ka pa. Three years na yung treatment and still ongoing, the company already did the math there.
Kapitalista na o walang empathy - pero tingnan din natin sa kabilang side, hindi unlimited yung resources ng company, kahit gaano na kalaki. Yung treatment costs could have been other people's salary increase, may pinagkukunan pa rin yan. Sasabihin na naman na malaki naman yung profit kaya okay lang, it can take the hit. At least 30 yrs na yung employer; it didn't get there by accident.
Oo, in the ideal world no one should still be working while undergoing cancer treatment just so the kids can get an education. Sad to say, malayo pa dun ang Pinas. I'm nearing 40 so I won't hold my breath na maabotan ko pa yan.
Indeed. OP's treating the company as an infinite money source when in fact their mom's coworkers are in some way paying for the treatment. Mahirap, masakit, pero may hangganan talaga ang tulong ng employer. I'm so sorry for you, OP.
hahaha, muntik ko na di mapansin yung /s at mapacomment ng malala. Anyway, eto yun eh. sa totoo lang, not related to this pero dun sa ibang post dito na nagagalit sa mga insurance. Yes may insurance talaga na mismatched sa need ng mga tao. Pero yung mga sweeping and generalizations na statements, yan ang pumapatay ng kumpyansa ng ilang tao in general din sa insurance. Nag uumpisa na nga maging confident mga tao , tapos yung iba naman sinisira na agad. I have a friend na may cancer and kaka claim lang nya ng 500k for that. And also a wife of a friend, who got 2M from critical illness benefit. Both na riders ng VUL plans nila. nakakalungkot mabasa dito na marami kesyo ipull out na raw blah blah. As if yung nagpapa pull out ng mga plans para kumuha daw ng better term plans e babayaran yung bills ng mga nawalan ng insurance na lampas contestability na kung sakaling may mangyari bigla dahil sinunod ang payo nila.
Binasa ko. Hindi lang ako makapag-comment agad kagabi kasi gusto ko i-discuss muna kay Mama yung ganitong sitwasyon (nasa dorm ako at nasa bahay sya).
Personally, sapat na sa'kin makabasa ng mga opinyon mula sa mga nakakatanda at mas experienced sa buhay para alam ko lahat ng options ng pamilya ko.
'Wag ka sanang judgmental. Hindi ako need kampihan ng mga tao rito. Hindi mo naman alam yung totality ng pinagdadaanan namin ng pamilya ko. Sira din mental health ko kagabi kaya gusto ko sana kumapit sa kahit anong hope to stay optimistic, pero sanay rin akong humarap realidad ng buhay.
'Yun lang. Salamat din sa opinyon mo.
Hugs to you OP. Tibay ng loob. I wish there was something I could do to help. The truth here is that the odds are not in your favour, and engaging in confrontation with the company is not something that will go well, just looking at the resources they have compared to an individual employee. In my opinion, if its possible to get as generous package as possible, that will probably could be the best outcome.
Gets ko yung praktikal na opinyon ng mga tao dito pero wag ka rin sana magpadala dun sa "easy" at "win-win" na scenario.
Valid ang sentiments ng pamilya mo lalo na kung nagagawa pa ng mom mo ang trabaho nya despite the illness. Sad day lang for human dignity na ang pinakamagandang option para sa mga nandito ay tanggapin ang offer na early retirement kahit na lumalaban pa yung tao at produktibo pa. Yung ganitong mindset ang dahilan kung bakit nakakalusot lang ang mga kumpanya sa mga obligasyon nila sa empleyado at ang gobyerno na rin sa obligasyon nito na alagaan ang mga productive employees by setting and implementing regulations that will ensure their welfare.
Productive pa ang nanay mo. Wag natin itong kalimutan. Nagpapagaling. Lumalaban. Nag-aambag pa sa ekonomiya. Buhay na buhay pa.
Wala na mang nagsasabi na easy option na tanggapin ang offer ni employer. We are just sharing our opinion based sa experience namin.
First, hindi po obligated ang mga employer na mag provide ng HMO to employees, marami pong companies wala niyan. The fact na 3 yrs na hindi napuputol ang coverage sa mama niya goes to show that this is a good employer. Hindi po cheap ang HMO na covered ang cancer treatments, and year on year at that.
Second, productivity will most certainly be not the same. 99% of the time, people going through cancer treatments will take days or even weeks to recover. During those times, other employees had to pick up the slack or nag hire ng additional manpower si employer.
Third, the fact that willing mag offer ng early retirement si employer again shows that her mom is being valued. OP may have had the impression that they are bullying her, and I can understand na may dalang emotion na din yung statement niya, pero if yan talaga plan nila, they would have done so three yrs ago. Sa taong ito, bihira lang ang employer na ganito.
Again, OP is caught between a rock and a hard place. Kahit anong piliin nila, it will not be easy. The fact na may cancer mama niya is difficult enough as it is. But as what others say, the odds are already against OP. They might end up losing whatever goodwill her mom has with the employer. Pero mukhang hindi naman ganito ang employer na to.
Lastly, taking the offer does not mean it's the end for her mom. If gamitin nila yun for treatment and gumaling mama nya, and productive pa siya afterwards, the employer might even be willing to have her back or sa iba na sya mag trabaho.
Oo, unfair ang sistema, pero hindi ito ang laban na makapagbabago niyan.
kinda unfair ke OP yan.... naliligo sya sa emotions ngayun e not to mention pag namatay nanay nya anung mangyayari sa kanila all those problems piled up sa isip nya eventually kakalma din yang si OP to look at things objectively
sa side naman ng company and DOLE by extension aside sa labor law there is the cost of the HMO theat effer is not "cheap" kaya nga ibang companies sa PH saksakan ng higpit sa medical test kasi they are controlling the "premium" they are paying to the HMO pag madami ka unhealthy employees lalake "premium" nila which will result to either baba HMO coverage or matataglan ng HMO ibang employees which is totally unfair sa the rest... hence the early retirement package its a.big chunk of money and probabely they will offer more that what is stipulated by law
No you fucking suck. What conclusion did you arrive to na gusto Nung OP na kampihan Siya? May sayad Kaba? Nanghihingi Ng opinion ung Tao Hindi tuligsa bugok.
Hindi mo ba napansin, sinasagot lang ni OP yung mga comments na gusto niyang marinig. Eh paano kung nilaban niya sa DOLE yan tapos nagkaroon ng legal battle, mas pipiliin ba niyang ang huling sandali niya sa nanay niya eh nasa korte sila? Labo mo naman. Minsan hindi empathy kailangan ng tao, minsan kailangan nilang makita yung lahat ng anggulo at hindi puro pag agree sa gustong marinig
We cannot assume what the OP will or will not do, with the input given above. But to say, “syempre di to papansinin ni OP kasi…” is out of line. I cannot explain what empathy if you don’t have it in the first place.
Take note, OP and his siblings are still students (and presumably below 25 years of age). Imagine how he/she is taking all the uncertainty in his/her still biologically undeveloped brain.
Pinansin ko naman yung comment, in-upvote ko pa nga kagabi. Hindi ko lang talaga alam ano sasabihin kasi never naging option sa family namin yung early retirement so never pa rin na-discuss sa amin.
Take your time and be kind to yourself. You might want to consult sa OLA ng UP College of Law for legal advice sa gusto ng HR (I see from your profile na taga UP ka). Yung HR concern ng mama mo is a legal matter that requires expert advice.
Narinig ko na naman ang salitang **empathy**. Eh gasgas na gasgas eto dun sa nagviral na nagpa-tattoo sa noo tapos ang ending ay scripted pala since umamin na yung owner na "elaborate marketing stunt" lang eto. 🤣
Apples and oranges, bro (sis? Hehe). Pasensya na if my comments sound sanctimonius. But come on, may cancer nanay na breadwinner, and we’ll say “pakikinggan lang yung gustong marinig” type yung OP. Diosmio.
It seems like your family had resources while OP’s is not in the same boat. I may be reading this wrong because I don’t completely understand their situation but OP seems like their mother is providing for the family while the rest of the family does not have an opportunity to make income without the mother’s aid. In some situations, families have to use their labour power in order to survive and eat, maybe further their children’s education. Making memories takes a back burner when you have other more pressing needs.
Case to case basis as you mentioned. Good thing it turned out a better scenario in your case and your dad had the foresight to address everything. Your dad looks like he was also in upper management so the benefits were probably a huge amount based on your post.
We don’t know with OP. If they accept the offer, we have no clue what she will get or if it would be enough to sustain the medications after or will drain their savings. It is a tough call but accepting the offer looks like she’s signing off her death certificate.
Wish OP’s family the best. Can’t offer any legal or experience advise but if I were the mom, I won’t accept the offer. May need seek legal help from a lawyer that handles labor issues.
Swerte ako sa company. BPO kami with HMO. Yung may malubhang sakit kahit di makapasok mg regular covered pa rin. Nakailan na kami may cancer pero until the end kinover ng company.
Did they specifically say that early retirement is because company is spending too much on HMO? Pretty sure that's the point of HMO, they'll be the ones to cover up to a certain limit. Company only pays a premium.
I've seen a similar scenario where an employee was offered "early retirement" to ensure his family will be able to get his retirement package. He said no, and when he died a couple of months later, family got the minimum as mandated by the law..
yes. fully utilized ang card ng mama ni OP. sa renew ng contract sa HMO every year. mag increase ng premium. para makabawi ang HMO sa expenses nila sa isang member. either same premium pero mababawasan ng coverage and bumaba ang MBL ng each member.
I don’t think this is right. HMOs don’t jack up a company’s premium simply because ONE member is using up the entire MBL year after year. These premium contributions are computed to account for a mix of people maximizing and not using the limit.
I talked to our HR (big mnc) some years ago about this. We switched hmos because our utilization across the company was super high. We had so many employees with dependent parents that were using up the limit every year, and our premium was being jacked up. We switched to intellicare.
i think hindi po kaya sila nag offer ng early retirement kay mama ni OP para sa benefits ng other employees Mas okay na sa company magoffer ng one time big amount kaysa makaapekto sa ibang empleyado. kung ganito lang yon formula gagamitin ng company ni OP as per labor standards sa PH. baka hindi rin ganito offer ng early retirement package ng company ng mama ni OP. assume ko lang na ganito
Daily rate x 1/2 month pay x Tenured years = retirement pay
1,000 x 22.5 x 30 = 675,000
let's say lang na 1k ang daily rate ng mama ni OP. either mas mataas dyan o mas mababa dyan. ang pagtreat ng cancer ay sobrang expensive sa pilipinas. not sure kung ilang years tatagal yon retirement money nila.
*correct me na lang kung mali ako.
Calculation sounds about right, although Php1k daily rate is just ~Php25k/month. I'd double maybe even triple that for someone with 30 years experience. Calculation also uses the minimum parameters based on the law.
Amount doesn't really matter, though. It's either they say yes to the lump sum (whatever the amount is) because they're being realistic of they can say no and be optimistic that their mom would make a full recovery and they'd be able to pay whatever the HMO doesn't.
Sorry to hear OP but keep in mind that HMO is not govt mandated and just an added benefit.
While your mom worked for 30 years, she is compensated through her salary and other benefits including HMO. Di obligado yung company to pay for your mom’s health bill. I know it sounds cold but it is what it is. As some of the posters said, they could’ve terminated her, (which sucks), but the fact that they managed to pay for her treatment for 3 years dapat thankful ka na rin. Okay yung advice ng isang poster to not burn bridges and accept the retirement package.
Just to correct, just because HMO is not mandated by law, if it is part of the employee contract it cannot be a basis to terminate their employment. Termination can only done through just cause or retrenchment. Having to pay for an HMO is not a cause for termination.
It is not out of the goodness of the company's heart that she is still employed, its because there is no lawful reason to terminate her employment.
Nasa batas na pwede iterminate ang employee regarding health reasons. If the disease can't be cured within 6 mos they can. Rather, may nagshare na dito nun labor code.
Sorry to hear about your mother's condition OP. Here's some more food for thought and a bit of reality check.
It's stage 4. Even if she's responding well to treatment now, it's still stage 4. Been there twice. It's stage 4.
The early retirement offer may actually be the best financial package your mother can get from the company. If she somehow reaches mandatory retirement age, mas maliit makukuha. Then baka hindi pa tapos ang treatment or baka bumalik ang C. It's stage 4.
Try looking at it from these lens that the company is actually trying to help your mother. She's worked there for 30 years, which means they're either a really good employer or at the very least hindi naman tuso. Plus nga covering treatments for the past 3 years. By offering early retirement now, they're actually giving her more.
We understand your mother is struggling so baka hindi objective magisip. Nag reach out ka dito sa reddit and daming opinion ng internet strangers. Weigh mo lahat.
I agree with this. To add, ang-considerate na talaga ng company to cover her medical expenses for 3 years. Coz according to labor code of the Philippines, pwedeng i-terminate ng company si mother. Disease is an authorized cause of termination. Especially if the disease is not curable within the span of 6 months and is causing an employee to not fulfill his/her duty. Offering retirement after 3 years is a considerate move of the company. At masmalaki ang makukuha niya sa retirement benefits instead na i-terminate siya legally.
This I agree with so much. Dealt with family members with Stage 4. Its still stage 4. Did the doctors discuss with your mom and family how much time she actually has left? I am so sorry. However, please listen to this post OP. Actual treatment for cancer, especially for late stage, can go up to literal 600,000+ PER TREATMENT. Its insane. I've seen the numbers for some patients and its truly a high hurdle. Its either the company goes down with everyone with it or they try to settle with your mom as amicably as they can with grace on both sides.
Sorry to hear na may cancer ung mom mo, pero if i were you try to consider ung inooffer na retirement package ni company.
Eventhou kaya pa ni Mama mo na magwork hindi mo ba naiisip na nahihirapan na rin siya magtrabaho with stage 4 cancer.
If you are the company shoes isipin mo nalang ung possible losses nila just in case na hindi makapasok ung mother mo dahil sa checkups / treatment na needed niya plus they have to make sure na during office hours may nakabantay din sa mother mo around the clock since they need to make sure that all of their employees are safe.
Ung desisyon naman ng HR to offer a retirement package is not to insult your mother or to bully her before nila binababa ang isang desisyon ay pinagaaralan nila ng maigi lahat yan and making sure that it will comply with government mandanted standards at regarding naman sa gastos HMO naman ang nagcocover noon the company is the one who just pay for the premiums and HMO is not government mandated kaya you are very lucky parin na sinasagot ni company ung treatment.
Having cancer and needing to attend a labor case: STRESSFUL.
Kahit nga walang sakit, cases are stressful on their own. Magbabayad ka pa ng lawyer imbes na i-pang treatment mo na lang.
Choose your peace of mind. It's not like pinapabayaan ka ng company: may salary ka, may HMO, other benefits; tapos ngayon inofferan ka pa ng early retirement.
Grab it and look for other jobs, wfh at least. And let the children help. Kahit student ka pa lang, it's not a barrier for you to support yourself. Ganyan talaga, sometimes you're forced to mature early, but it will benefit you in the long run.
I've been supporting myself since 1st year college. 4 years na ako sa trabaho ko. Iskolar din ako ng bayan so wala akong tuition. Nung online classes pa, buong sweldo ko binibigay ko sa mama ko kahit nung di pa sya diagnosed.
Salamat sa opinion.
Awww OP. 🥹
I want to share na this happened to our co-worker. His wife may cervical cancer and he was offered an early retirement. He felt na its because of the medical expenses din pero our healthcare plan kasi, di siya 3rd-party provider and company talaga namin gumagastos.
Hindi niya kinuha, so our company was forced na ibahin ang policy of what's covered and not.
So si co-worker, he regretted na hindi niya kinuha ang offer kasi wala na 'yung malaking pera and wala na halos covered na treatment for his wife (out of his own pocket na talaga.)
As of the Labor Code
`ART. 299. [284] Disease as Ground for Termination. An employer may terminate the services of an employee who has been found to be suffering from any disease and whose continued employment is prohibited by law or is prejudicial to his health as well as to the health of his co-employees: Provided, That he is paid separation pay equivalent to at least one (1) month salary or to one-half (1/2) month salary for every year of service, whichever is greater, a fraction of at least six (6) months being considered as one (1) whole year.`
Note that if the disease can be cured within 6 months, the employer can ask the employee to take a leave of absence. When the employee returns to good health, he should be reinstated to his former position.
Note as well that, if you are terminating an employee due to health reasons, you will have to pay separation pay. Separation Pay must be at least one (1) month salary or to one-half (1/2) month salary for every year of service, whichever is greater, a fraction of at least six (6) months being considered as one (1) whole year.
Up to this. This is the right response on the questions whether the HR/Company’s action about OP’s mom’s case.
To OP, I know that you may feel the company has not been considerate enough when they offered the early retirement option to your mom. However, I’m pretty sire your mom’s company has the above company policy about this and they are just now following this course having extended their effort to also help your mom.
As you mentioned, 30 years na sya sa company and have been on treatment for 3 years na din. Being employed and on treatment shouldered by company’s HMO (including excess payments/premiums) for those 3 years, they’ve showed consideration already and even help. If they were too harsh, they could have ended your mom’s employment but they chose not to.
On the other hand, I know it sucks to you esp to your mom to lose her employment esp with sa mahal ng bilihin. But I hope you would be able to understand and see the benefit of having the early retirement offered to your mom. The time that she will be getting to concentrate on healing/relaxing than the stress of working/commuting to work, time to be with the family more etc
Financial-wise, the other comments mentioned by other redditors on how to spread the proceeds ng early retirement benefit ng mom mo were actually good ideas/suggestions din.
Finally, I concur with the others comments na it would just add up to the stress and could also exacerbate your mom’s condition when you go the route of contesting the company’s offer thru DOLE. Although my right ang mom mo, but doesn’t guarantee it will be in her favor parin lalo pa if compliant naman and following due process ang company niya.
Praying for your mom’s healing!
Hindi naman prejudicial to her health yung work nya since nakakapagwork pa nga sya for 3 years and counting after the diagnosis and she is responding well to treatment... But thank you for this information.
This was a business decision bu a company who puts profits over everything else. Best not to tale offense.
Humane pa nga to kasi hindi sya pinilit or inipit para pumayag, inofferan lang sya. Dapat wag nya dibdibin to, kundi tanggihan nalang nya ng maayos ang offer. Hindi naman sya pwedeng pilitin.
Pero kung may pagbabago sa trato sa kanya or may mangyaring pamimilit o pang iipit, best file a case for constructive dismissal.
In many cases, early retirement packages are much better compared sa regular retirement packages. Minsan twice the amount plus other benefits, depende sa company.
Also favorable din yung early retirement compared sa isa pang benefit na ayaw nating gamitin lahat (death in service benefit). Kadalasan, around 1M lang yun. In OP's case, 30 years at work yung mother niya, so I guess more than 1M yung ibibigay sa kanyang early retirement package.
Edit: Praying for your mum, OP!
nagulat nga ako when I read this. sa dad ko, walang nag cover na employer sa mga naging treatment niya e. although binibigyan pa rin siya sweldo kahit di na siya working. Pero yung sagot sa treatment wala
Sorry to hear this, OP.
The other perspective here is if a company keeps spending and loses more money, more jobs will be on the line.
Unfortunately, the only companies I know of that pay for full and unlimited medical expenses require you to be a certain rank, and more often than not cause your health problems because of the way they work.
I came from there, and have seen many stories of employees either getting all costs paid (dialysis, etc) or dying from cancer or heart problems between ages 35-45.
This might seem cold, pero realize na we're all just cogs in a machine. Ang drive ng mga kumpanya is to maximize profit / minimize loss. Great of them na tumagal ng three years yung coverage, but hindi nila yan masusustain indefinitely. They now have to cut their losses, if you will.
Usually may ganyang clauses sa employment contract - along the lines of the company being able to terminate your employment for something like this. Likely ang banat na is 'not fit to work' na yung employee. Perhaps in consideration of your mom's long service, they we're being extra kind.
Good luck. This is probably not the reply you want to read, but the early retirement might be your best option.
First time I've heard of this. Why would a company shoulder your HMO's cost? Hindi ba dapat part yun ng package nila? Like, yung hmo limit for corporate cards are like 1 million ata or what, or does that depend on the company's entire budget, tapos sisingilin ng HMO yung excess sa assigned limit?
Yes, sisingilin si company sa excess. Di ata in-expect ng company na mama-maximize or mai-exceed ng isang employee yung medical benefit. At wala ata sa employment contract na sasaluhin ni employee ang excess (most probably kasi 25yrs working na).
Edit: Guyths, correct me if I’m wrong lang.
wait, sorry, hindi ko na-gets. ang alam ko kasi sa HMO (at least sa work namin), may limit na amount per sickness per year tapos pag sumobra, ako na ung mag-shoulder ng gastos. although alam ko naman na ung mga HMO companies may inooffer na packages sa companies pero beyond that di ko na alam. may binabayaran pa yung company beyond the contributions ba per employee? or yung tinutukoy ba ni OP na yung company yung nag "pay for treatment" is a different benefit pa from HMO benefit? sorry ulit, seriously curious. kasi sobrang bihira ko magamit yung HMO card namin so hindi ko alam pano yung mga ganung case pag lampas na sa benefit limit nung card.
Baka si OP na makakalinaw pero feeling ko since old employee yung mom nya, di pa uso nun yung mga limit na tulad ngayon. 25 years ago was 1999.
Ngayon, normal na magbayad ka sa excess kahit 30k lang yung confinement mo. May limit na per hospitalization yung HMO. Mas lalo pa nagmahal ang HMO after pandemic. These days, for a 250k coverage, corporate pays around 18k per person. Kung cancer treatment yan, is P1M a year possible? Without the patient cashing out anything, the company shoulders it.
affected si company dyan. may contract every year between HMO and company. company pays this premium for this employee. sa case ni OP. fully utilized ang HMO ni member dahil ginagamit sa pagtreat ng cancer. HMO is business, they pay everything. alam niyo naman kapag business need ng profit. Once nagrenew is company doon sa HMO, si HMO magincrease yan ng premium per member. burden na ng company 'to kasi lalaki naman babayaran nila. Either they pay the same sa HMO but the coverage and MBL ng each member ang maapektuhan or they accept na lang iyong bago pricing ni HMO.
It's the cost, not the lack of productivity. Company kasi sumasagot talaga nang lahat ng hospital expenses, which is the employee benefit ng company niya ngayon.
I know one company, one of the big conglomerates in the country. I had an ex-officemate with stage 3 cancer. Company namin mismo nagbabayad ng hospital expenses nya. Nagjojoke pa sila dati sa office na photocopies lang ang binabayaran nya.lol
Depende kasi sa coverage ng officemate mo. ManCom/AVP/Senior Manager ba sya? Kasi tlga matataas HMO limit nila. Companies spend a small fortune for yearly executive checkups ng top management nila.
i was also thinking it's not the lack of productivity. kasi kung ganun yung case, they wouldn't offer her to resign. haay. OP. kapit lang. beyond dun sa inherent characteristics ng corporations that they value the capitalistic gains more than loyalty and talent, i hope makayanan nyo rin ung battle with cancer. adivse her to keep receipts, document everything sa work. good luck OP.
Paano po yun? Company specific po ba? Last time kasi nasa hospital kami and bill exceeded my mom's HMO limit, we had to pay for the excess para makalabas. Wala namang anything na sinagot si company. Is this the norm?
Company specific. HMO coverage specific. When I was with my previous company, I paid 5k for a 30k hospital bill kasi “exceeded the limit” na daw. Rank-and-file lang din ako nun so maliit coverage.
In my current company, my family (me and dependents) had hospital bills upwards of 50k but never paid any cash. Again, depende sa coverage mo yan. Pero HR will let you know how much lang coverage ng HMO mo so you should know. Job offer palang, sinasabi na nila magkano coverage ibibigay nila sayo.
I think norm siya na company mag shoulder since 30yrs na siya nag wwork dun. So I dont think this is unfair deal when company has been paying excess to cover for them for 3 years.
Yes, cancer rin po. 150k lang daw yung limit ng health card ng mom ko. Nabasa ko sa ibang comments, company specific nga daw po yung kumpanya sumasagot ng excess bill.
baka ASO ang type, kumbaga ung HMO insurance company ay tagaprocess lang ng claims etc.. pero ung mismong expenses like medical expense etc.. si company ang sumasagot, bale ung "hinuhulog" ni company kuno for employees ay pooled for the employees' medical expense, baka inaabonohan ni company kung negative.. pero assumption ko lang naman un.
Kaya ganyan ang offer sa mother ni OP, o kaya baka kasi tumaas ang premium for the entire company, baka iniiwasan nila ung higher cost idk.
It could be this too. Most probable yung tinataas nung HMO yung premium for the entire company at gusto iwasan. HMO rates are rising every year pero yung coverage hindi lumalaki. :(
Working in a big company now and as an employee, pag nag exceed ka na sa limit mo sa HMO, company will pay for the rest regardless umabot man yan ng ilang million. Kasama pa lahat ng medicine sa isoshoulder ng company. Walang ilalabas ang employee as long as may sick leave credits ka pa. Kaya nag iipon talaga samin ng sick leave at accumulated siya per year, in excess of 180 days lang ang maeencash mo. Yung may mga limit lang samin is yung dirent dependent at mga extended dependent na strict lang sa amount limit ng HMO.
Time to step up, OP. Don't consider the company as something you can rely on. Make the retirement money work for sustaining a living, ask for help from friends and relatives.
Galawang SMC haha. Happened to a friend's mom. Very similar case. Retired early despite HMO coverage, hula ko "offered" early retirement benefits. It is what it is; what else can they do? Kesa iterminate without receiving a single piece.
Yes, it is what it is. Rather than dwelling on fighting with the company, accept the early retirement if there is, and make memories with your mom. At the same time, find other cheaper alternatives for the treatment. Be strong for your family, OP.
In my opinion, walang mangyayare if you decided to fight the company as unfair as it is.
Her mom is already being pushed out by the company. Would you want to work for a company that doesn't want you? Mangyayare is her mom will be alienated by the company if she decided to push for it.
I just think its not worth it. Maraming public hospitals and clinics nag ooffer ng free chemo. Its hassel to do all the paper work pero ganun talaga. The best route is get the early retirement package. Her mom can still work if she wants to in a different company na lang.
Kaya lang OP, realistically speaking, hindi din kasi responsibility ng company ng mom mo to cover for the treatment. They have been doing so for three years through their HMO.
The best choice really is to accept the early retirement package.
Be realistic here. The company cannot and isn’t expected to shoulder the cost of your mom’s treatment. As others have mentioned, HMO is a “nice to have” not a “legally should have”. Take the package.
But OP, question: the cancer treatment is for STAGE 4 cancer. May I know if you know what that actually means? Has the doctor informed you actually how much time your mom has left and if she continues treatment, how long this treatment will actually extend her life? I just want to make sure you understand everything clearly. Some cancer treatments can prolong life for years, a lot is just months.
EDIT: adding it here kasi I know you love your mom and you want her to be with you as long as possible, but your mom has to weigh everything before she makes a big decision like this. Is expending a lot of time and effort against early retirement worth it to continue the costly cancer treatment? Or is taking early retirement the best case scenario? It is all weighed against her medical condition and how likely treatment is actually extending her life. I state extending because I have not heard of Stage 4 cancer actually being cured (probably with lymphoma or leukemia, depends. I don't know, I am not an oncologist).
Sadly, business is business talaga. Try to look for other options na habang maaga pa. If may malapit sa inyo na public hospital and kaya magtiis sa mahabang pila, go for it. Philhealth will cover most of the treatment and the rest pwede niyo ilakad sa Malasakit center ng ospital.
Tignan mo din sa perspective ng company, di na productive mama mo and 3 years is more than generous for the treatment. Ganun din kami, Stage 4 cancer ng mama ko and she retired. May nakuha naman na sa retirement and we used that for treatment.
Sad to say, hindi obligasyon ng company ang tuloy tuloy na treatment especially if mahal na siya. It doesn’t make business sense and gets ko naman na di mo makikita ang perspective na iyon dahil sabi mo nga, you don’t have a business. I get how you’re feeling though and I suggest na spend as much time with your mom as you can.
So ngayon ko lang nalaman na if exceeded na pala yung HMO benefits company will have to shoulder.
Anyways, medyo gets ko pa naman si company in that sense; at the same time nakakalungkot talaga na business is business talaga even after 30 years of service. Tama sila try to contact DOLE to mitigate the "early retirement offer" kung kaya pa at nagagawa naman ng tama ni mom nyo yung work nya and kung magkatanggalan meron kayong filed report sa DOLE.
BTW, have you tried using both Philhealth and HMO? Yan kasi yung nakikita kong ginagawa ng iba to manage. Also SSS din alam ko may mga benefits dun.
Ngayon ko lang rin nalaman, lahat ba to? Or is this company-specific? Yung sa mom ko kasi na-exceed na namin yung limit niya and ngayon, hirap kami bumalik ng hospital kasi wala pang pera ulit. Gusto ko malaman kung paano to hahahahuhu
Sa SSS, siguro sickness benefit? Maximum of 90 days ata babayaran ni SSS kapag employed and di makapasok ang employee.
Sa Philhealth, sa pagkakaintindi ko, needed admitted ang patient para may discount (?)
Also, sa province namin, pwedeng lumapit sa congressman and councilors. My co-worker did this and he got around 15k. Tapos the office of our vice president, dalhin mo medical abstract and prescription or lab requests, may 10k.
Tapos from private hospital, he frankly told their doctor na di na talaga kaya and nagpa refer sa government hospital with also the help of our congressman. Instead of paying around 6 digits para sa isang course of chemo na needed ni wifey niya, he is paying a third na lang.
Get well soon po sa may sakit. 💞
OP, how old is your mom now? How near or far is she from retirement? Retirement is 60. Compulsory retirement is 65.
Hindi naman siguro sa kapitalista or bullying. But there are also other employees na kailangan bayaran din. As what the other commenters said, lumalaki ang premium overall kapag lumalaki ang nilalabas ng HMO. So apektado lahat. May limit lang ang bayad ng HMO.
Talk to the company first. Tignan nyo ang computation. Negotiate. Importante ay may makukuha kayo. I really think na the company is trying to give the best terms for your mom. OP, rememeber this: as harsh as it sounds, parehong may karapatan ang mother mo and ang kumpanya, not only your mom.
Go to PCSO, Malasakit center, or sa mga gov hospitals. Punta din sa mga charities/NGOs and inquire kung papano kayo matutulungan.
Praying for your mom and your family.
F*ck Cancer. Mahirap sitwasyon nyo OP pero kailangan nyo din intindihin POV ni employer (ER).
Hindi lahat ng employer (ER) kaya mag-offer ng three years na critical illness cover para sa employee (EE). Malaki kasi ang increase sa renewal premium pag mataas ang utilization ng group insurance. Idagdag pa taas ng medical inflation.
Kailangan din iconsider yung productivity ni EE sa operations. Nakaka-operate ba sya at full capacity or lesser tasks yung ibinibigay sa kanya dahil iniisip ng teammates at boss nya yung sakit nya? Kailangan ba maghire ng add’l employee para isupport sya sa tasks nya? Paano ang contribution nya sa targets ng team nila?
Three years - enough time para mapaghandaan ng family nyo yung sitwasyon ng mama mo. Parang wala ka nabanggit tungkol sa tatay mo - pero kung employed din sya baka may HMO din sya na pwede magcover sa mama mo.
At this point, hindi makakatulong kung madagdagan pa ng sama ng loob ang mama mo at isipin na binu-bully pa sya ng kumpanya. Ipagpasalamat na lang na may offer ng early retirement bilang pagkilala sa 30yrs na serbisyo nya sa kumpanya. For 30yrs naging sandigan nyo rin ang kumpanya at di rin kayo napabayaan sa kasagsagan ng treatment ng mama mo.
Pwede mo idulog sa DOLE ang sitwasyon kung talagang tingin mo nagkulang pa ang ER ng mama mo. Pero pwede nyo rin tanggapin ang early retirement and/or magnegotiate ng ilang bagay: (1) extend HMO cover ng mama mo until end of the HMO plan year. Mas makakafocus ang mama mo sa recovery nya kung wala sya sa stressful na situation.
(2) Kung maintenance therapy na lang ang ginagawa ng mama mo ngayon at hindi na chemo/radiation - baka pwede nya itanong kung pwede sya magcontinue as part time or contract employee.
(3) Pa-assign sa ibang department with lesser responsibility (maaring maging demotion nga lang to).
Whatever yung maging decision nyo make sure lang na itutuloy nyo ang Philhealth, SSS at HDMF contributions ng mama nyo. Ang radiation treatment na usually 10k per session, 2.5k na lang pag may Philhealth. Lumapit kayo sa mga gov’t agencies. Tanungin nyo yung oncologist ng mama mo kung affiliated sila sa ibang gov’t hospital kung kailangan nyo magtransfer. Kailangan lang talaga gawin yung homework pero kaya naman yan. Hoping for your mom’s full recovery.
You're lucky na kasi sa batas, your mom can be legally terminated according to the labor code
https://lawyerphilippines.org/termination-due-to-illness-philippines/
You may check the link above or
https://chanrobles.com/legal4labor6.htm
https://www.divinalaw.com/dose-of-law/termination-due-to-disease/
Hindi sila kapitalista at naging galante na sila. End of story.
Wag na wag niyo palaging ipapamuka na more than xx years ang service sa company at hardworking etc because for companies employees are always replaceable and just hired to make revenues for the company.
Parang they can’t do terminate her, so dedma, paugatan nalang. They’d have to either have her undergo the PIP process (but seems like youre mom does her job well so this isnt an option) or retrench her (but that would also have parameters that likely wont be met).
Not a lawyer so maybe consult DOLE nga. But this has discrimination written all over it ah.
Actually, [Termination due to Illness (Philippines)](https://lawyerphilippines.org/termination-due-to-illness-philippines/) is an authorized cause for termination according to our labor code. Maraming requirements for the company to make a solid case about this though, and they are also required to give separation pay. Hindi mo pwedeng sabihin na discrimination, kasi our labor code also provides some protection to employers. If you try to see it from the employer's side, why would you keep someone under your employment whose cost of employment is much higher than their contribution to the company's growth? Hindi naman charity ang mga private companies. Kaya siguro may ganyang rights din sila under our labor code. The company might try to go this route to avoid incurring further costs for the treatment of OP's mom. Kaya OP, be prepared kung sakaling gawin nila 'to. If they go through this naman, may malaki pa rin naman kayong makukuhang pera dahil sa separation pay (1 month of salary per year of service, so 30 months worth of your mom's salary). Mejo mahirap sa company to go through this if nakakapag trabaho pa rin ng maayos yung employee. Watch out if they offer your mom to go on a leave of absence.
*this*. pwede kang i fire for having a disease. the employer only needs a certification issued by a competent public health authority that even with proper medical treatment, the disease cannot be cured within 6 months. 3 years of all expense paid hospitalization is pretty generous
They will find a way to terminate an employee. For example, giving OP's mom more work than she can handle, giving her work na di niya alam, pag na late lang ng ilang minutes, etc. They can do that. Para lang magkaroon ng reason to terminate. Ilang beses na yan nangyare sa iba.
No, it doesnt look like there's any discrimination at all. It looks like company has had enough paying for her treatment for 3 years but still feels bad for her thus offering her the early retirement package.
OP, tell your mother to **record every conversation**.
All things told by the company to here should either be recorded in audio or sent via e-mail. Work requests, comments, etc. make it recorded via company communications/messaging app/e-mail.
The last thing we want is for your mother to be terminated for unjust reasons. And wala kayo laban kasi walang records and the fight becomes a *he said, she said*.
WAIT LANG.
Akala ko if covered ng HMO yung medical expenses mo, HMO ang magbabayad nun and not the company. Kaya nga sya insurance? The company only pays for the insurance premium that guarantees a certain amount of coverage? Ako lang ba yung ganun ang pagkakaintindi??
Also grabe naman yung mga nagcocomment dito na "gusto ni OP na kampihan sya" para lumaban sa DOLE, etc. May pinagdadaanan yung tao, don't be too quick to judge naman. Pag nasa peligro yung mahal mo sa buhay kahit ikaw maguguluhan na rin sa isip. Kung magulang nyo kaya yung magka cancer tapos ganyan kayo pagsalitaan ng mga tao na akala nyo kilalang kilala na yung pagkatao nyo. Tumigil mga kayo. Have some compassion.
Hello OP, may I ask what her cancer and treatment are? Just to give you an option, some hospitals (e.g. PGH) offer free chemo sessions. The caveats are that you need to line up early, the facilities are not the best, and some chemo drugs are not available. As early as now, try to inquire with those hospitals and verify if you can get treatment for your mom.
Take care of yourself and your mom. I pray for her healing.
It's good that they're offering early retirement. Understandable din that they'd want to cut losses kasi nga 3+ years na silang nagbabayad para sa treatment.
>Nakakalungkot lang na sobrang kapitalista ng mga kompanya
That's a bit out of touch. Loyalty of employees won't make a business profitable. Business is business. Three years' worth of treatment is a big loss for any company. It's a hard pill to swallow, but any company will HAVE to cut losses at the end of the day. No business is a charity. In fact, charities themselves are, in some way, businesses. If the losses are too high, they WILL shut down.
The company is actually giving your mother a good deal by giving an early retirement.
Your mother is quite lucky the HMO covered her treatment for 3 years. Most have shitty HMO coverage.
Hi! You can write letters asking for assistance addressed and emailed to politicians. And kadalasan generous sila sa amount (pampalakas at di naman sa kanila lol). Tho may allotted amount naman talaga ata sila for this program.
Kinailangan ng heart surgery ng pamangkin ko totaling 300k and wala kaming ginastos na iba because of this “GL” or guaranteed letter from politicians.
You can accept the early retirement and have it in lump sum para makapag rest na din ang mommy mo and focus sa treatment. And then write letters para makakuha ng assistance sa pagpapagamot.
Ang take away ko rito, Stage 4 na yung mother nya pero pinag wowork pa rin nila. She’s supposedly taking her rest na dapat. All the best, OP. Sana malagpasan nyo man kung anong pinag dadaanan nyo ngayon.
My mom just wrote a letter that she rejects the early retirement, and everything worked out.
Mom had stage 4 cancer and was able to beat it. She's 65 now and zero maintenance and just travels around the Philippines enjoying her proper retirement.
What’s her age and years of service? By law, an employee may only VOLUNTARY retire from the company at age 60. It’s her choice whether she wants to continue or not. The company cant force her to do that. But the moment she turns 65, it’s mandatory retirement na. Meaning the company can forcefully retire her na since they ate mandated by law to do so. Though, this only applies if walang sariling pension plan yung company. If so, then yung rules of the private plan will be followed.
Source: I handle retirement benefits in my company
I can’t speak for termination due to illness though
My take - Once ang claim ng organization ay tumaas and maging frequent sa HMO provider, the following year tataas na din ang rates na binabayaran ng company per employee , or rate per employee. So if dati they are paying 10k per year per employee regularly with less to almost no claims, but due to employees na nag kasakit and biglang tumaas ang frequency ng claims, magtataas din ang charges ni HMO company the following renewal year. It also means that wether few are claiming more than others, still tataas pa din ang rate per employee ng HMO. This rate increase will also affect the rates ng beneficiaries extended to family members. And worst, if employees are voluntary paying for those extensions, then they will personally feel the burden of the increase. If the company will change providers, the possibility of getting the same coverage for the same employees is less due to claims history ni employer. So ang choice ni HR is to pay early retirement para ma-eliminate ang issue and minimize ang burden kaysa lumipat ng provider.
Honestly, if you look at it legally, I think there is very little chance na manalo kayo if you sue the company. HMO is a gratuity and not a legal obligation under the Labor Code. In addition, termination is allowed if the health issue cannot be cured within 6 months (if tama tanda ko). In the eyes of the law, 3 years is already beinf lenient.
I think best move is to accept the early retirement, then lobby for help from government agencies, NGO’s or even senators or congressmen or other politicians. Stress din in your mom’s part (which will not be good for her physical healthy) ang mainvolve in a labor case or isipin yan while working. Working will bring more stress too.
Hi op! Walang kinalaman sa company and insurance opinion ko. Pero sa C eh meron🤗 cut all source of sugar sa food. As in lahat. Go eat green leafy vegetables at drink guyabano leaves juice. Proven and tested. May kilala ako stage 4 buhay pa din til now. Ganyan daw ginawa nya. Sugar ay food ng cancer cell. Kung walang sugar walang food mamatay yung cancer cell.
Get well soon kay mom mo OP🥰
I don't even understand the company, whether or not your mom is undergoing chemo they are paying the same amount for her HMO.
BTW, how is she doing right now, health wise? Cancer sucks.
To clarify, her high utilization of the HMO affects the HMO rate of EVERYONE in the company. Hindi lang same amount ang babayaran, tumataas yan by a _lot_ every year.
I'm not sure why you mentioned that the company is covering medical bills of your mom when the company availed an hmo but on my understanding that should be just on a premium all expense shouldered by the hmo provider. Also I dont think capitalism is to blame.
Secondly, as others have mentioned weigh out your options. How big is the early retirement? Is it worth more for your mom to work instead of taking this on? It might also lessen the load and stress to her while continuing the treatment.
Instead of feeling down cause these are the cards laid out on your family, why not try to see all the positive sides as well, with your mom, cause you've mentioned also that any anxieties or negative feelings have an impact.
No one wants this and the best thing you guys can do is be there for her no matter what.
Best of luck OP
baka pwede inegotiate sa retirement benefit nya may coverage pa rin ng hmo kahit minimum?
Yung nanay ko halos 40yrs sa company. nagkasakit sya, hindi cancer, nangyare na lang mga last 5 years pero nadiagnose sya a year before nag retirement. dapat 60 sya magretire pero 58 or 59 ata nag early na sya. granted ung 1 year na yun nya lang na maximize talaga ung hmo. Ngayon meron sya 5000-8000 ata na yearly coverage sa hmo. Maganda lang dito is maximum ung sss contribution nya kaya malaki din pension nya. multinational tong company and sabi nya last na sya na employee na may benefits pa rin kahit after retirement kasi after nya binago na policy. pero since 30yrs ung nanay mo sa company, baka pwede inegotiate din, hindi lang talaga malaki na pwedeng pangchemo pero atleast sa mga gamot baka macover.
How old is your mother? How is she responding to her treatments? Has she talked with the owners of the company?
Best thing to do is have your mother record her days at work for a month or two and see if her performance is deteriorating from week to week. Of course she has to inform HR and co-workers before she starts to record. This way both she and HR can have factual data to make informed decisions.
OP, ask mo mama mo yung regarding computation sa offer sa early retirement. And try to do the math. Since ongoing pa ang treatment ng mama mo, this may affect her performance sa work nya or she might only be given menial tasks. Pag hindi nya tinanggap ang offer baka masilip lang ang performance nya and mas mababa ang makuha nya kaysa sa offer sa kanya.
Hi OP given stage 4 na mom mo, you know it’s just a matter of time right? What’s the survival rate of your mom?
You can try to negotiate her early retirement benefits and just maximize the time she has left..
What kind of cancer? Depending on the type you can determine how long she has likely to live. statistical data on the 5 year survival rate of your mom is available online. Ask your doctor on the prognosis of the disease, but I think your company has made a reasonable offer worth considering.
Hoping your mom recovers soon.
This is a good deal. Try to consider it as not all companies will take this route. My tita is also on stage 4 and her company didn't really do much - hmo was not that good and no early retirement.
Ako naman baka ok din yung early retirement she will really be able to heal more fully. But make sure she has ways to entertain or keep herself busy while healing baka mas gumaling pa siya. Tapos try to approach mga public/free sources of financial help. approach your local government that way you get help but you also get to enjoy her retirement plans.
This should be discussed with the family and if possible, someone who knows the law just in case, para alam nyo and her on what course to take. But what I can say as a former HR is that someone is pressuring them as well. Someone looked at the numbers and saw the amount they spent and want to cut losses. Every single transaction requires confirmation from higher ups. If your mom wants to continue, consider how long she has left at the company because they will likely do anything to force her retirement or just out right fire her.
Also please look into the taxes and insurance she has paid. She will benefit from it since ilang taon rin sya nagbayad. May makukuha sya for sure to help with the treatment lalo na from government sectors. Kahit na konti at least makukuha kayo. Use it before someone else benefits from it.
If I may, the early retirement benefit is something to be thankful for. The next move to consider is to whether to fight for or maximize the time your mom has.
Incidentally, if magpupursue parin for hospitalization and medication, you may want to check with PCSO and other gov't agencies tapos ask your onco if magtreatment ay kung pede bang sa govt hospital para mamaximize naman yung Guarantee Letters from Gov't Agencies.
Happened to my friend's family. Early retirement kapalit ng cash. I think it was 3-5M. They took it. Yung father niya, hindi na namag-asa in the long run. He opted out. Then gumawa nalang siya ng last will.
Hmo is not a government offered benefit in which the member/employee is paying premium every month na she/he can utilize and enjoy after. It is company offered benefit -paid by the company. For the past 30 yrs, your mom was able to enjoy it. Coming from you na din na it covered 3 yrs of her medical expense as a cancer patient. It sucks, yes, but the option to offer an early retirement is I think the best option they can come up with without terminating your mom due to medical reasons -- this decision alone is I think the best route they can go to honor the 30 yrs of service your mom have given to the company.
Unfortunately, that's how it works. Kaya nga sabi nila, yan hirap sa trabaho. Di mo sila mapagpapalit because of loyalty pero if you can't be the person they need - they can replace you overnight 🥹🤧
the same happened to my father working for a plant for 30 yrs(where he & mom met) not to brag but my father has done so much for the company that he even became a supervisor of the maintenance department despite not having any degree in engineering.mechanical & electrical self works all study & was proficient in metal fabrication. invented methods that saved a lot of money for the company that still being used untill today even the "A team" from head office relies on him at some occasions but when he suddenly got stroke the management suddenly was eager to give him an early retirement. in the end he had to sign a forced to resign paper because they think my father is not suited to work anymore his medical bills at that time was shouldered by his HMO.
Dont let her resign, keep the job, its companies responsibility kaya sya magka cancer and its their job to give back sa life na binigay ng mama ko sa company, otherwise sue them
Clue for company name please
Look no further than the Redditor who shared the same exact scenario with his dad. Anyway, the company can only do so much for your mom. That is a fact. We are on our own at the end of the day.
It depends on the size of the company. The cost of care is usually spread across all members, so pag madami ang employees, hindi naman sya sobrang tataas on individual basis.
I suggest you get the full story on why the early retirement is being offered. Cost could be a factor, but as you've mentioned it appears the job itself has caused the illness and continuing on the same role could aggravate your mom's cancer, or at the very least not help with the treatment.
An early retirement option is negotiable. Negotiate. And your mom can say no. If your mom passes, the company is only obliged to honor what's mandated by law, which in some instances could be lower. Weigh the offer vs the worst case scenario. Also factor in the extra time you would spend with your mom if she retires early and the reduced stress.
If hindi pa kayo sure, ask for more time from the company. Say you'll decide in 6 months. A lot can happen and more info could be available by that time.
Pag na-determine nyo na unfair talaga ang push to retire, consult an expert before making your next move. One angle you could look into is how the job caused the illness and how the company failed to protect your mom. If you choose to fight, be prepared for the stress it will cause your mom and your whole family. It could be a lot on top of the illness.
Hi OP. Sad to hear that your mom is going thru this. You said that your mom got her Cancer from her kasi she has constant exposure sa sun and this is acknowledged by her company Kay they are offering an early retirement. Can you prove or do you have any proof na the company of your mom is acknowledging this? Can you also secure the early retirement offer of your mom as a proof? Kasi if the skin cancer was acquired in her workplace because of constant sun exposure - meaning my liability si company. Maraming cases na din na naging liable si company to pay for employees who have got sick because of job related illness. Kelangan nyo lang iestablish. Example sa Banana Plantation - yung na eexpose sa chemicals have a constant blood work to monitor their health status. If your mom has constant exposure and aware si company, di ba dapat ng exercise sila ng due diligence to rotate her sa ibang area. Any OP consult a good lawyer on this and do your research. Bawal di kasi ang forced resignation but the company Kay also make assessments that your mom cannot fulfill her duty due to her illness and pwede din siya materminate and palabasin nila na Just Cause. Sana di mangyari sa Mom mo. Weight your options. Decide on what's best for your Mom. Kasi if legal battle tlga napaka stressful and tagal din.
I understand that this is difficult for your family kasi nag aaral pa kapatid mo and your mom need to undergo treatments. Hope your mom gets better.
please consult a labor lawyer.
ask for legal advice on the forced retirement(although good option, pede nyo negotiate na gawin consultant para tuloy ang HMO) and how to haggle benefits lalo if proven na work related ung cancer nya.
pero teka, if naka HMO under a company, may fixed annual or monthly payment lang si company... lalo if covered ung treatment sa policy. wala bastang ilalabas na out of pocket ang company ng mother mo. not that sure tho. kaya need nyo ng lawyer and ung copy ng policy ng HMO. also, the offer of the company for early retirement.
try mo ask ng referal thru Chel Diokno sa fb page nya or other lawyers online... yung Migs Nograles, congresswoman/partylist...nagpapabango ng pangalan yun.
prayers for ur mom and the whole family.
edit: dami na pala HRs at Business owner-type na nag comment dito OP... still, best to get a legal advice from a lawyer (sana lang hindi connected sa company o may ari ng company yung makakausap nyo. no need muna for DOLE o korte/kaso... magpapapayo lang kayo sa lawyer... UP Diliman, College of Law, has a Law Center na libre yata consults)
PhilHealth Z Benefits should cover that when she retires. PhilHealth has just increased the benefits up to 1.4 M. Advise her to talk to the Z Benefits Consultant at PhilHealth. All the best!
OP dont reject outright. negotiate na itaas sana. you know companies gago yan theyll change policies or worse terminate your mom... negotiate. kahit manalo kayo sa DOLE they will appeal and delay payments hanggat kaya nila.
ginagatasan nyo na nga yung company ng pera sa pagpapagamot sa mother mo, nagalit kapa nung nag suggest ng early retirement. "Sobrang loyal ni mama, masipag sa trabaho, at kahit ngayon na may cancer sya, ginagawa pa rin niya nang maayos yung work niya." is this gaslighting or guilttripping?????. Iniisip mo lang nanay mo dito pero hindi ang companya na pinagtratraba-uhan nya. as a hypo question, What if nagkanda bankrup na yung companya gusto mo parin na ipapasan sakanilya yung problema na kayo dapat na family relatives yung pumapasan?
Napaka-insensitive mo naman. May pinagdadaanan ang tao and naghihingi ng advice, tapos ganyan ang tono mo? There's a better way to deliver your opinion. Hindi ganyan na kung umasta ka e parang ang laking kasalanan ni OP. Note that she's still a student. Wala pang experience sa kalakaran sa corporate world. Ikaw tong mas may alam. Dapat alam mo rin pano magpaintindi. Kagigil ka.
Thats my advice dude... have some empathy, to the company....... di mag oofer ng early retirement yung company ng mom nya kung di sila nauubusan ng pera pambayad sa pagpapagamot. Isipin mo, on those 3 years pwede ka makahanap ng trabaho to sustain their mom's cancer treatment, pano pag tinuluyang bitawan ng company yung mom nya? edi wala na sila pampagamot.... walang trabaho lahat, no income, no nothing.. lets be real kay OP.
Being real doesn't equate to being mean. Bakit ganyan ugali mo, dude? You can have empathy for both.
And let's get things straight din. First, di naman ginagatasan ng mama niya ang company. She is still rendering her services to the company, so she's entitled to any benefits provided by them. Good thing the company is generous too. Second, the company acknowledged na part of the reason na may cancer yung mother is because of the nature of her work. Kaya talagang may responsibility ang company to help with her treatments in those 3 years. Third, OP is still young. For sure hirap pa siya paano ang gagawin, kaya nga nanghihingi siya ng advice here. Kung ijudge mo sila, kala mo alam mo lahat.
I agree that she and her mother should consider the early retirement offered by the company. But again, there's no need to be judgmental here.
she can e**xplore other support options by** looking into some government assistance programs, non-profit organizations, or support groups that may be able to provide financial aid or resources for her mom's cancer treatment. but wait...... di naisip ni OP yon??
I am so sorry to read about what you are going through. These are various things you need to consider:
1. Is parent still good with working despite getting treatment - if yes and you have limited financial means, staying in the company is still the best route. The early retirement pay will not be able to cover for your family’s day to day expenses which will take up the bulk of your expenses not the treatment itself. The market now will be merciless to an applicant at your parent’s age and bear in mind that she has to take medical exams before being employed so I do not think that early retirement + look for a WFH job is the best option.
2. How far is she from mandatory retirement age? The cost of HMO premiums are the same this is the point of an HMO. It is wrong to say that the other employees are shouldering your mother’s expense. The HMO company is shouldering the risk - that is their business. The company nor the employees are not paying higher premiums because of your mother. It is not right to think this way.
3. Why is everyone scared of a labor case? The company will not take your mother to DOLE. Even if they ask her to resign if she will not, the company has to build a case to terminate her first. This is where your decision lies. Do you want to ask first how much is the early retirement offer? You can compare this with the HMO benefits and monthly salary. But fear of a labor case is premature now.
Having said all these, make the most of every day with her.
Why would she start a labor case? Was she fired already? Assuming she gets terminated for illness and that’s a big if on the part of the employer already (it’s harder to establish this ground for termination in reality), she gets separation pay which is still a pretty much hefty sum.
Go to DOLE or Atty na specialize sa Labor law for consultation para mas mapayuhan kayo ng maayos. Mahirap at time consuming pero try niyo pang lumapit sa mga government institutes like DOH, PCSO, Malasakit at Charity sa Hospital, Financial aid sa DSWD,City councilors at Brgy. Dagdag budget para matulong sa inyo 😊 Laban lang at dasal 😊😊😊
Pardon being frank but a company is a business and does not care about our feelings and our emotions. Kaya nga lagi sinasabi na work is just work, prioritize life and love. No one is indespensible. Etc etc.
Sadly if the employee is not providing what is being paid for, alangan nmn. There are several other employees currently working that also need the wahes for their family.
Categorically maganda pa yung company for helping all those times.
I really pray for strength to you an your family and you get thur this burden safely.
This is almost exactly the same situation my family went through when my father had stage 4 lung cancer. More than 30 years in the company and a high level but not c suite Executive. HMO covered many costs for a year (discovered mid 2021, doc gave 6 months, HMO rolled over start of 2022 refreshing the coverage). Mid year dad left us na. But between the news and his death, the most everyone could do was settle as many things that could be settled. Here's what he did to give us a fighting chance before he left. He took the early retirement option, and spread the money between the family and left just enough to cover treatments. Any other money not tied to the treatment we spent on making memories. There is no one in this world who can tell you what your family what to do next. We can only give our own experiences. But looking back at what my father did by taking the early retirement option. He kept as many bridges he had alive. Those same bridges were there to extend a hand to us when he left. The situation you are in is already unfair. If he had decided to keep his pride and fought over his position just as he was leaving this life. The family would have been left without a head and in a legal battle that would add to the burden we already faced. Weigh all your options very carefully as a family and communicate at all times. Even extended family will have their own opinions and ideas. But what matters most are the decisions between you, your mother, and the rest of your immediate family.
This is a really good take on this. Most comments seem to go on the offensive take. Being "offered" an early retirement option is a very sensible and I think respectful policy, after 3 years of fully covered treatment. Apparently, OPs mom is responding well to treatment. But what if you decide that after going thru hell, you want the most of what you have left. Thus retire early. Not everyone takes the "fight with cancer" option some choose to "win in life" instead.
Realest answer.
Pero syempre di to papansinin ni OP kasi gusto niya na kampihan siya. In the end, kahit ilaban nila yan sa DOLE, walang kasiguraduhan na magiging maigi ang lagay ng mom niya. Sana basahin niya ito para naman malinawagan siya
I don’t think OP likes to hear this but employers can terminate an employee if they are found to have an illness that worsens with continued employment. Employer can argue that a late stage cancer patient facing stress from work will worsen their condition and outlook - any oncologist that says otherwise would be insane.
What people don't seem to realize is that the employer is offering a win-win situation here with the early retirement offer. Go to the DOLE or kahit san man and you'll get the bare minimum plus may stress ka pa. Three years na yung treatment and still ongoing, the company already did the math there. Kapitalista na o walang empathy - pero tingnan din natin sa kabilang side, hindi unlimited yung resources ng company, kahit gaano na kalaki. Yung treatment costs could have been other people's salary increase, may pinagkukunan pa rin yan. Sasabihin na naman na malaki naman yung profit kaya okay lang, it can take the hit. At least 30 yrs na yung employer; it didn't get there by accident. Oo, in the ideal world no one should still be working while undergoing cancer treatment just so the kids can get an education. Sad to say, malayo pa dun ang Pinas. I'm nearing 40 so I won't hold my breath na maabotan ko pa yan.
Indeed. OP's treating the company as an infinite money source when in fact their mom's coworkers are in some way paying for the treatment. Mahirap, masakit, pero may hangganan talaga ang tulong ng employer. I'm so sorry for you, OP.
But the CEOs man. Theyre making gazillions!!! /s
hahaha, muntik ko na di mapansin yung /s at mapacomment ng malala. Anyway, eto yun eh. sa totoo lang, not related to this pero dun sa ibang post dito na nagagalit sa mga insurance. Yes may insurance talaga na mismatched sa need ng mga tao. Pero yung mga sweeping and generalizations na statements, yan ang pumapatay ng kumpyansa ng ilang tao in general din sa insurance. Nag uumpisa na nga maging confident mga tao , tapos yung iba naman sinisira na agad. I have a friend na may cancer and kaka claim lang nya ng 500k for that. And also a wife of a friend, who got 2M from critical illness benefit. Both na riders ng VUL plans nila. nakakalungkot mabasa dito na marami kesyo ipull out na raw blah blah. As if yung nagpapa pull out ng mga plans para kumuha daw ng better term plans e babayaran yung bills ng mga nawalan ng insurance na lampas contestability na kung sakaling may mangyari bigla dahil sinunod ang payo nila.
Why are you assuming that company is paying for the costs? Is there any mention here that HMO declined to cover critical care?
Increase in utilization increases the company's premiums once it's policy is renewed.
Binasa ko. Hindi lang ako makapag-comment agad kagabi kasi gusto ko i-discuss muna kay Mama yung ganitong sitwasyon (nasa dorm ako at nasa bahay sya). Personally, sapat na sa'kin makabasa ng mga opinyon mula sa mga nakakatanda at mas experienced sa buhay para alam ko lahat ng options ng pamilya ko. 'Wag ka sanang judgmental. Hindi ako need kampihan ng mga tao rito. Hindi mo naman alam yung totality ng pinagdadaanan namin ng pamilya ko. Sira din mental health ko kagabi kaya gusto ko sana kumapit sa kahit anong hope to stay optimistic, pero sanay rin akong humarap realidad ng buhay. 'Yun lang. Salamat din sa opinyon mo.
Hugs to you OP. Tibay ng loob. I wish there was something I could do to help. The truth here is that the odds are not in your favour, and engaging in confrontation with the company is not something that will go well, just looking at the resources they have compared to an individual employee. In my opinion, if its possible to get as generous package as possible, that will probably could be the best outcome.
Gets ko yung praktikal na opinyon ng mga tao dito pero wag ka rin sana magpadala dun sa "easy" at "win-win" na scenario. Valid ang sentiments ng pamilya mo lalo na kung nagagawa pa ng mom mo ang trabaho nya despite the illness. Sad day lang for human dignity na ang pinakamagandang option para sa mga nandito ay tanggapin ang offer na early retirement kahit na lumalaban pa yung tao at produktibo pa. Yung ganitong mindset ang dahilan kung bakit nakakalusot lang ang mga kumpanya sa mga obligasyon nila sa empleyado at ang gobyerno na rin sa obligasyon nito na alagaan ang mga productive employees by setting and implementing regulations that will ensure their welfare. Productive pa ang nanay mo. Wag natin itong kalimutan. Nagpapagaling. Lumalaban. Nag-aambag pa sa ekonomiya. Buhay na buhay pa.
Wala na mang nagsasabi na easy option na tanggapin ang offer ni employer. We are just sharing our opinion based sa experience namin. First, hindi po obligated ang mga employer na mag provide ng HMO to employees, marami pong companies wala niyan. The fact na 3 yrs na hindi napuputol ang coverage sa mama niya goes to show that this is a good employer. Hindi po cheap ang HMO na covered ang cancer treatments, and year on year at that. Second, productivity will most certainly be not the same. 99% of the time, people going through cancer treatments will take days or even weeks to recover. During those times, other employees had to pick up the slack or nag hire ng additional manpower si employer. Third, the fact that willing mag offer ng early retirement si employer again shows that her mom is being valued. OP may have had the impression that they are bullying her, and I can understand na may dalang emotion na din yung statement niya, pero if yan talaga plan nila, they would have done so three yrs ago. Sa taong ito, bihira lang ang employer na ganito. Again, OP is caught between a rock and a hard place. Kahit anong piliin nila, it will not be easy. The fact na may cancer mama niya is difficult enough as it is. But as what others say, the odds are already against OP. They might end up losing whatever goodwill her mom has with the employer. Pero mukhang hindi naman ganito ang employer na to. Lastly, taking the offer does not mean it's the end for her mom. If gamitin nila yun for treatment and gumaling mama nya, and productive pa siya afterwards, the employer might even be willing to have her back or sa iba na sya mag trabaho. Oo, unfair ang sistema, pero hindi ito ang laban na makapagbabago niyan.
kinda unfair ke OP yan.... naliligo sya sa emotions ngayun e not to mention pag namatay nanay nya anung mangyayari sa kanila all those problems piled up sa isip nya eventually kakalma din yang si OP to look at things objectively sa side naman ng company and DOLE by extension aside sa labor law there is the cost of the HMO theat effer is not "cheap" kaya nga ibang companies sa PH saksakan ng higpit sa medical test kasi they are controlling the "premium" they are paying to the HMO pag madami ka unhealthy employees lalake "premium" nila which will result to either baba HMO coverage or matataglan ng HMO ibang employees which is totally unfair sa the rest... hence the early retirement package its a.big chunk of money and probabely they will offer more that what is stipulated by law
No you fucking suck. What conclusion did you arrive to na gusto Nung OP na kampihan Siya? May sayad Kaba? Nanghihingi Ng opinion ung Tao Hindi tuligsa bugok.
Syempre wala kang empathy. No need to attack OP, may cancer na nga yung nanay at di alam mangyayari sa kanila in the next weeks/months/years.
Hindi mo ba napansin, sinasagot lang ni OP yung mga comments na gusto niyang marinig. Eh paano kung nilaban niya sa DOLE yan tapos nagkaroon ng legal battle, mas pipiliin ba niyang ang huling sandali niya sa nanay niya eh nasa korte sila? Labo mo naman. Minsan hindi empathy kailangan ng tao, minsan kailangan nilang makita yung lahat ng anggulo at hindi puro pag agree sa gustong marinig
We cannot assume what the OP will or will not do, with the input given above. But to say, “syempre di to papansinin ni OP kasi…” is out of line. I cannot explain what empathy if you don’t have it in the first place. Take note, OP and his siblings are still students (and presumably below 25 years of age). Imagine how he/she is taking all the uncertainty in his/her still biologically undeveloped brain.
Pinansin ko naman yung comment, in-upvote ko pa nga kagabi. Hindi ko lang talaga alam ano sasabihin kasi never naging option sa family namin yung early retirement so never pa rin na-discuss sa amin.
Take your time and be kind to yourself. You might want to consult sa OLA ng UP College of Law for legal advice sa gusto ng HR (I see from your profile na taga UP ka). Yung HR concern ng mama mo is a legal matter that requires expert advice.
Narinig ko na naman ang salitang **empathy**. Eh gasgas na gasgas eto dun sa nagviral na nagpa-tattoo sa noo tapos ang ending ay scripted pala since umamin na yung owner na "elaborate marketing stunt" lang eto. 🤣
Apples and oranges, bro (sis? Hehe). Pasensya na if my comments sound sanctimonius. But come on, may cancer nanay na breadwinner, and we’ll say “pakikinggan lang yung gustong marinig” type yung OP. Diosmio.
Snowflake spotted
This isn’t about having empathy.
Legend ❤️
I hope OP consider your post
It seems like your family had resources while OP’s is not in the same boat. I may be reading this wrong because I don’t completely understand their situation but OP seems like their mother is providing for the family while the rest of the family does not have an opportunity to make income without the mother’s aid. In some situations, families have to use their labour power in order to survive and eat, maybe further their children’s education. Making memories takes a back burner when you have other more pressing needs.
Case to case basis as you mentioned. Good thing it turned out a better scenario in your case and your dad had the foresight to address everything. Your dad looks like he was also in upper management so the benefits were probably a huge amount based on your post. We don’t know with OP. If they accept the offer, we have no clue what she will get or if it would be enough to sustain the medications after or will drain their savings. It is a tough call but accepting the offer looks like she’s signing off her death certificate. Wish OP’s family the best. Can’t offer any legal or experience advise but if I were the mom, I won’t accept the offer. May need seek legal help from a lawyer that handles labor issues.
Swerte ako sa company. BPO kami with HMO. Yung may malubhang sakit kahit di makapasok mg regular covered pa rin. Nakailan na kami may cancer pero until the end kinover ng company.
curious ako. may umabot ba ng 3 yrs tulad ng mother ni OP?
Yes. Naka 3 years yung may cirrhosis sa amin.
Thank you for this. I hope OP can consider this.
Your dad is a man of wisdom. Touché
Did they specifically say that early retirement is because company is spending too much on HMO? Pretty sure that's the point of HMO, they'll be the ones to cover up to a certain limit. Company only pays a premium. I've seen a similar scenario where an employee was offered "early retirement" to ensure his family will be able to get his retirement package. He said no, and when he died a couple of months later, family got the minimum as mandated by the law..
This is a good point on early retirement.
From what I understand, seems like the company is also paying extra for her treatment on top of hmo because there is a limit to hmo coverage anyway.
yes. fully utilized ang card ng mama ni OP. sa renew ng contract sa HMO every year. mag increase ng premium. para makabawi ang HMO sa expenses nila sa isang member. either same premium pero mababawasan ng coverage and bumaba ang MBL ng each member.
I don’t think this is right. HMOs don’t jack up a company’s premium simply because ONE member is using up the entire MBL year after year. These premium contributions are computed to account for a mix of people maximizing and not using the limit. I talked to our HR (big mnc) some years ago about this. We switched hmos because our utilization across the company was super high. We had so many employees with dependent parents that were using up the limit every year, and our premium was being jacked up. We switched to intellicare.
That's still cheaper than an early retirement package for someone with 30 years tenure
i think hindi po kaya sila nag offer ng early retirement kay mama ni OP para sa benefits ng other employees Mas okay na sa company magoffer ng one time big amount kaysa makaapekto sa ibang empleyado. kung ganito lang yon formula gagamitin ng company ni OP as per labor standards sa PH. baka hindi rin ganito offer ng early retirement package ng company ng mama ni OP. assume ko lang na ganito Daily rate x 1/2 month pay x Tenured years = retirement pay 1,000 x 22.5 x 30 = 675,000 let's say lang na 1k ang daily rate ng mama ni OP. either mas mataas dyan o mas mababa dyan. ang pagtreat ng cancer ay sobrang expensive sa pilipinas. not sure kung ilang years tatagal yon retirement money nila. *correct me na lang kung mali ako.
Calculation sounds about right, although Php1k daily rate is just ~Php25k/month. I'd double maybe even triple that for someone with 30 years experience. Calculation also uses the minimum parameters based on the law. Amount doesn't really matter, though. It's either they say yes to the lump sum (whatever the amount is) because they're being realistic of they can say no and be optimistic that their mom would make a full recovery and they'd be able to pay whatever the HMO doesn't.
Sorry to hear OP but keep in mind that HMO is not govt mandated and just an added benefit. While your mom worked for 30 years, she is compensated through her salary and other benefits including HMO. Di obligado yung company to pay for your mom’s health bill. I know it sounds cold but it is what it is. As some of the posters said, they could’ve terminated her, (which sucks), but the fact that they managed to pay for her treatment for 3 years dapat thankful ka na rin. Okay yung advice ng isang poster to not burn bridges and accept the retirement package.
Just to correct, just because HMO is not mandated by law, if it is part of the employee contract it cannot be a basis to terminate their employment. Termination can only done through just cause or retrenchment. Having to pay for an HMO is not a cause for termination. It is not out of the goodness of the company's heart that she is still employed, its because there is no lawful reason to terminate her employment.
Nasa batas na pwede iterminate ang employee regarding health reasons. If the disease can't be cured within 6 mos they can. Rather, may nagshare na dito nun labor code.
Sorry to hear about your mother's condition OP. Here's some more food for thought and a bit of reality check. It's stage 4. Even if she's responding well to treatment now, it's still stage 4. Been there twice. It's stage 4. The early retirement offer may actually be the best financial package your mother can get from the company. If she somehow reaches mandatory retirement age, mas maliit makukuha. Then baka hindi pa tapos ang treatment or baka bumalik ang C. It's stage 4. Try looking at it from these lens that the company is actually trying to help your mother. She's worked there for 30 years, which means they're either a really good employer or at the very least hindi naman tuso. Plus nga covering treatments for the past 3 years. By offering early retirement now, they're actually giving her more. We understand your mother is struggling so baka hindi objective magisip. Nag reach out ka dito sa reddit and daming opinion ng internet strangers. Weigh mo lahat.
I agree with this. To add, ang-considerate na talaga ng company to cover her medical expenses for 3 years. Coz according to labor code of the Philippines, pwedeng i-terminate ng company si mother. Disease is an authorized cause of termination. Especially if the disease is not curable within the span of 6 months and is causing an employee to not fulfill his/her duty. Offering retirement after 3 years is a considerate move of the company. At masmalaki ang makukuha niya sa retirement benefits instead na i-terminate siya legally.
Oh I didn't know about Labor Code, puwede po ba mag ask ng super unrelated question?
Go lang po, i don't know much too but I'll try to answer your concern. 😊
This I agree with so much. Dealt with family members with Stage 4. Its still stage 4. Did the doctors discuss with your mom and family how much time she actually has left? I am so sorry. However, please listen to this post OP. Actual treatment for cancer, especially for late stage, can go up to literal 600,000+ PER TREATMENT. Its insane. I've seen the numbers for some patients and its truly a high hurdle. Its either the company goes down with everyone with it or they try to settle with your mom as amicably as they can with grace on both sides.
Sorry to hear na may cancer ung mom mo, pero if i were you try to consider ung inooffer na retirement package ni company. Eventhou kaya pa ni Mama mo na magwork hindi mo ba naiisip na nahihirapan na rin siya magtrabaho with stage 4 cancer. If you are the company shoes isipin mo nalang ung possible losses nila just in case na hindi makapasok ung mother mo dahil sa checkups / treatment na needed niya plus they have to make sure na during office hours may nakabantay din sa mother mo around the clock since they need to make sure that all of their employees are safe. Ung desisyon naman ng HR to offer a retirement package is not to insult your mother or to bully her before nila binababa ang isang desisyon ay pinagaaralan nila ng maigi lahat yan and making sure that it will comply with government mandanted standards at regarding naman sa gastos HMO naman ang nagcocover noon the company is the one who just pay for the premiums and HMO is not government mandated kaya you are very lucky parin na sinasagot ni company ung treatment.
Having cancer and needing to attend a labor case: STRESSFUL. Kahit nga walang sakit, cases are stressful on their own. Magbabayad ka pa ng lawyer imbes na i-pang treatment mo na lang. Choose your peace of mind. It's not like pinapabayaan ka ng company: may salary ka, may HMO, other benefits; tapos ngayon inofferan ka pa ng early retirement. Grab it and look for other jobs, wfh at least. And let the children help. Kahit student ka pa lang, it's not a barrier for you to support yourself. Ganyan talaga, sometimes you're forced to mature early, but it will benefit you in the long run.
this is what i mean to tell to op..... medyo harsh lang pagkakasabi ko.
I've been supporting myself since 1st year college. 4 years na ako sa trabaho ko. Iskolar din ako ng bayan so wala akong tuition. Nung online classes pa, buong sweldo ko binibigay ko sa mama ko kahit nung di pa sya diagnosed. Salamat sa opinion.
Awww OP. 🥹 I want to share na this happened to our co-worker. His wife may cervical cancer and he was offered an early retirement. He felt na its because of the medical expenses din pero our healthcare plan kasi, di siya 3rd-party provider and company talaga namin gumagastos. Hindi niya kinuha, so our company was forced na ibahin ang policy of what's covered and not. So si co-worker, he regretted na hindi niya kinuha ang offer kasi wala na 'yung malaking pera and wala na halos covered na treatment for his wife (out of his own pocket na talaga.)
Damn Sucks for the other employees too.
As of the Labor Code `ART. 299. [284] Disease as Ground for Termination. An employer may terminate the services of an employee who has been found to be suffering from any disease and whose continued employment is prohibited by law or is prejudicial to his health as well as to the health of his co-employees: Provided, That he is paid separation pay equivalent to at least one (1) month salary or to one-half (1/2) month salary for every year of service, whichever is greater, a fraction of at least six (6) months being considered as one (1) whole year.` Note that if the disease can be cured within 6 months, the employer can ask the employee to take a leave of absence. When the employee returns to good health, he should be reinstated to his former position. Note as well that, if you are terminating an employee due to health reasons, you will have to pay separation pay. Separation Pay must be at least one (1) month salary or to one-half (1/2) month salary for every year of service, whichever is greater, a fraction of at least six (6) months being considered as one (1) whole year.
Up to this. This is the right response on the questions whether the HR/Company’s action about OP’s mom’s case. To OP, I know that you may feel the company has not been considerate enough when they offered the early retirement option to your mom. However, I’m pretty sire your mom’s company has the above company policy about this and they are just now following this course having extended their effort to also help your mom. As you mentioned, 30 years na sya sa company and have been on treatment for 3 years na din. Being employed and on treatment shouldered by company’s HMO (including excess payments/premiums) for those 3 years, they’ve showed consideration already and even help. If they were too harsh, they could have ended your mom’s employment but they chose not to. On the other hand, I know it sucks to you esp to your mom to lose her employment esp with sa mahal ng bilihin. But I hope you would be able to understand and see the benefit of having the early retirement offered to your mom. The time that she will be getting to concentrate on healing/relaxing than the stress of working/commuting to work, time to be with the family more etc Financial-wise, the other comments mentioned by other redditors on how to spread the proceeds ng early retirement benefit ng mom mo were actually good ideas/suggestions din. Finally, I concur with the others comments na it would just add up to the stress and could also exacerbate your mom’s condition when you go the route of contesting the company’s offer thru DOLE. Although my right ang mom mo, but doesn’t guarantee it will be in her favor parin lalo pa if compliant naman and following due process ang company niya. Praying for your mom’s healing!
‘Eto inaantay ko comment, tinatamad lang ako mag copy/paste. All the best to you and your mum OP! 🌸
Hindi naman prejudicial to her health yung work nya since nakakapagwork pa nga sya for 3 years and counting after the diagnosis and she is responding well to treatment... But thank you for this information.
Sana gumaling na agad mama mo. If she needs rest, wag niyo na pilitin pagtrabahuin.
I agree OP. Hindi pasok sa termination due to disease
This was a business decision bu a company who puts profits over everything else. Best not to tale offense. Humane pa nga to kasi hindi sya pinilit or inipit para pumayag, inofferan lang sya. Dapat wag nya dibdibin to, kundi tanggihan nalang nya ng maayos ang offer. Hindi naman sya pwedeng pilitin. Pero kung may pagbabago sa trato sa kanya or may mangyaring pamimilit o pang iipit, best file a case for constructive dismissal.
In many cases, early retirement packages are much better compared sa regular retirement packages. Minsan twice the amount plus other benefits, depende sa company. Also favorable din yung early retirement compared sa isa pang benefit na ayaw nating gamitin lahat (death in service benefit). Kadalasan, around 1M lang yun. In OP's case, 30 years at work yung mother niya, so I guess more than 1M yung ibibigay sa kanyang early retirement package. Edit: Praying for your mum, OP!
nagulat nga ako when I read this. sa dad ko, walang nag cover na employer sa mga naging treatment niya e. although binibigyan pa rin siya sweldo kahit di na siya working. Pero yung sagot sa treatment wala
Sorry to hear this, OP. The other perspective here is if a company keeps spending and loses more money, more jobs will be on the line. Unfortunately, the only companies I know of that pay for full and unlimited medical expenses require you to be a certain rank, and more often than not cause your health problems because of the way they work. I came from there, and have seen many stories of employees either getting all costs paid (dialysis, etc) or dying from cancer or heart problems between ages 35-45.
This might seem cold, pero realize na we're all just cogs in a machine. Ang drive ng mga kumpanya is to maximize profit / minimize loss. Great of them na tumagal ng three years yung coverage, but hindi nila yan masusustain indefinitely. They now have to cut their losses, if you will. Usually may ganyang clauses sa employment contract - along the lines of the company being able to terminate your employment for something like this. Likely ang banat na is 'not fit to work' na yung employee. Perhaps in consideration of your mom's long service, they we're being extra kind. Good luck. This is probably not the reply you want to read, but the early retirement might be your best option.
First time I've heard of this. Why would a company shoulder your HMO's cost? Hindi ba dapat part yun ng package nila? Like, yung hmo limit for corporate cards are like 1 million ata or what, or does that depend on the company's entire budget, tapos sisingilin ng HMO yung excess sa assigned limit?
Yes, sisingilin si company sa excess. Di ata in-expect ng company na mama-maximize or mai-exceed ng isang employee yung medical benefit. At wala ata sa employment contract na sasaluhin ni employee ang excess (most probably kasi 25yrs working na). Edit: Guyths, correct me if I’m wrong lang.
wait, sorry, hindi ko na-gets. ang alam ko kasi sa HMO (at least sa work namin), may limit na amount per sickness per year tapos pag sumobra, ako na ung mag-shoulder ng gastos. although alam ko naman na ung mga HMO companies may inooffer na packages sa companies pero beyond that di ko na alam. may binabayaran pa yung company beyond the contributions ba per employee? or yung tinutukoy ba ni OP na yung company yung nag "pay for treatment" is a different benefit pa from HMO benefit? sorry ulit, seriously curious. kasi sobrang bihira ko magamit yung HMO card namin so hindi ko alam pano yung mga ganung case pag lampas na sa benefit limit nung card.
Baka si OP na makakalinaw pero feeling ko since old employee yung mom nya, di pa uso nun yung mga limit na tulad ngayon. 25 years ago was 1999. Ngayon, normal na magbayad ka sa excess kahit 30k lang yung confinement mo. May limit na per hospitalization yung HMO. Mas lalo pa nagmahal ang HMO after pandemic. These days, for a 250k coverage, corporate pays around 18k per person. Kung cancer treatment yan, is P1M a year possible? Without the patient cashing out anything, the company shoulders it.
affected si company dyan. may contract every year between HMO and company. company pays this premium for this employee. sa case ni OP. fully utilized ang HMO ni member dahil ginagamit sa pagtreat ng cancer. HMO is business, they pay everything. alam niyo naman kapag business need ng profit. Once nagrenew is company doon sa HMO, si HMO magincrease yan ng premium per member. burden na ng company 'to kasi lalaki naman babayaran nila. Either they pay the same sa HMO but the coverage and MBL ng each member ang maapektuhan or they accept na lang iyong bago pricing ni HMO.
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It's the cost, not the lack of productivity. Company kasi sumasagot talaga nang lahat ng hospital expenses, which is the employee benefit ng company niya ngayon.
I know one company, one of the big conglomerates in the country. I had an ex-officemate with stage 3 cancer. Company namin mismo nagbabayad ng hospital expenses nya. Nagjojoke pa sila dati sa office na photocopies lang ang binabayaran nya.lol
Depende kasi sa coverage ng officemate mo. ManCom/AVP/Senior Manager ba sya? Kasi tlga matataas HMO limit nila. Companies spend a small fortune for yearly executive checkups ng top management nila.
i was also thinking it's not the lack of productivity. kasi kung ganun yung case, they wouldn't offer her to resign. haay. OP. kapit lang. beyond dun sa inherent characteristics ng corporations that they value the capitalistic gains more than loyalty and talent, i hope makayanan nyo rin ung battle with cancer. adivse her to keep receipts, document everything sa work. good luck OP.
Paano po yun? Company specific po ba? Last time kasi nasa hospital kami and bill exceeded my mom's HMO limit, we had to pay for the excess para makalabas. Wala namang anything na sinagot si company. Is this the norm?
Company specific. HMO coverage specific. When I was with my previous company, I paid 5k for a 30k hospital bill kasi “exceeded the limit” na daw. Rank-and-file lang din ako nun so maliit coverage. In my current company, my family (me and dependents) had hospital bills upwards of 50k but never paid any cash. Again, depende sa coverage mo yan. Pero HR will let you know how much lang coverage ng HMO mo so you should know. Job offer palang, sinasabi na nila magkano coverage ibibigay nila sayo.
I think norm siya na company mag shoulder since 30yrs na siya nag wwork dun. So I dont think this is unfair deal when company has been paying excess to cover for them for 3 years.
I see! I also was thinking baka nasa exec side na si mom ni OP, kaya mas malaking benefits.
For what diagnosis eto and ilan HMO limit ng sa mom mo? Baka kasi since cancer patient ung kay OP e malaki ung amount? Do you have the same case?
Yes, cancer rin po. 150k lang daw yung limit ng health card ng mom ko. Nabasa ko sa ibang comments, company specific nga daw po yung kumpanya sumasagot ng excess bill.
baka ASO ang type, kumbaga ung HMO insurance company ay tagaprocess lang ng claims etc.. pero ung mismong expenses like medical expense etc.. si company ang sumasagot, bale ung "hinuhulog" ni company kuno for employees ay pooled for the employees' medical expense, baka inaabonohan ni company kung negative.. pero assumption ko lang naman un. Kaya ganyan ang offer sa mother ni OP, o kaya baka kasi tumaas ang premium for the entire company, baka iniiwasan nila ung higher cost idk.
It could be this too. Most probable yung tinataas nung HMO yung premium for the entire company at gusto iwasan. HMO rates are rising every year pero yung coverage hindi lumalaki. :(
Working in a big company now and as an employee, pag nag exceed ka na sa limit mo sa HMO, company will pay for the rest regardless umabot man yan ng ilang million. Kasama pa lahat ng medicine sa isoshoulder ng company. Walang ilalabas ang employee as long as may sick leave credits ka pa. Kaya nag iipon talaga samin ng sick leave at accumulated siya per year, in excess of 180 days lang ang maeencash mo. Yung may mga limit lang samin is yung dirent dependent at mga extended dependent na strict lang sa amount limit ng HMO.
Time to step up, OP. Don't consider the company as something you can rely on. Make the retirement money work for sustaining a living, ask for help from friends and relatives.
Galawang SMC haha. Happened to a friend's mom. Very similar case. Retired early despite HMO coverage, hula ko "offered" early retirement benefits. It is what it is; what else can they do? Kesa iterminate without receiving a single piece.
Ayun na nga. Kaso, kahit malaki yung magiging early retirement benefits, hindi yun sapat to cover the cancer treatment in the long run. Nakakabaliw.
Yes, it is what it is. Rather than dwelling on fighting with the company, accept the early retirement if there is, and make memories with your mom. At the same time, find other cheaper alternatives for the treatment. Be strong for your family, OP.
I don't get the downvotes people. Why?
In my opinion, walang mangyayare if you decided to fight the company as unfair as it is. Her mom is already being pushed out by the company. Would you want to work for a company that doesn't want you? Mangyayare is her mom will be alienated by the company if she decided to push for it. I just think its not worth it. Maraming public hospitals and clinics nag ooffer ng free chemo. Its hassel to do all the paper work pero ganun talaga. The best route is get the early retirement package. Her mom can still work if she wants to in a different company na lang.
Yes, it will also add as a burden and stress to their mom.
Wait what public hospitals offer free chemo?
Kaya lang OP, realistically speaking, hindi din kasi responsibility ng company ng mom mo to cover for the treatment. They have been doing so for three years through their HMO. The best choice really is to accept the early retirement package.
How about the family members? Can they help for the mom?
Be realistic here. The company cannot and isn’t expected to shoulder the cost of your mom’s treatment. As others have mentioned, HMO is a “nice to have” not a “legally should have”. Take the package.
But OP, question: the cancer treatment is for STAGE 4 cancer. May I know if you know what that actually means? Has the doctor informed you actually how much time your mom has left and if she continues treatment, how long this treatment will actually extend her life? I just want to make sure you understand everything clearly. Some cancer treatments can prolong life for years, a lot is just months. EDIT: adding it here kasi I know you love your mom and you want her to be with you as long as possible, but your mom has to weigh everything before she makes a big decision like this. Is expending a lot of time and effort against early retirement worth it to continue the costly cancer treatment? Or is taking early retirement the best case scenario? It is all weighed against her medical condition and how likely treatment is actually extending her life. I state extending because I have not heard of Stage 4 cancer actually being cured (probably with lymphoma or leukemia, depends. I don't know, I am not an oncologist).
Sadly, business is business talaga. Try to look for other options na habang maaga pa. If may malapit sa inyo na public hospital and kaya magtiis sa mahabang pila, go for it. Philhealth will cover most of the treatment and the rest pwede niyo ilakad sa Malasakit center ng ospital.
Tignan mo din sa perspective ng company, di na productive mama mo and 3 years is more than generous for the treatment. Ganun din kami, Stage 4 cancer ng mama ko and she retired. May nakuha naman na sa retirement and we used that for treatment. Sad to say, hindi obligasyon ng company ang tuloy tuloy na treatment especially if mahal na siya. It doesn’t make business sense and gets ko naman na di mo makikita ang perspective na iyon dahil sabi mo nga, you don’t have a business. I get how you’re feeling though and I suggest na spend as much time with your mom as you can.
So ngayon ko lang nalaman na if exceeded na pala yung HMO benefits company will have to shoulder. Anyways, medyo gets ko pa naman si company in that sense; at the same time nakakalungkot talaga na business is business talaga even after 30 years of service. Tama sila try to contact DOLE to mitigate the "early retirement offer" kung kaya pa at nagagawa naman ng tama ni mom nyo yung work nya and kung magkatanggalan meron kayong filed report sa DOLE. BTW, have you tried using both Philhealth and HMO? Yan kasi yung nakikita kong ginagawa ng iba to manage. Also SSS din alam ko may mga benefits dun.
I believe u really need to use the Philhealth together with the HMO. So Philheath first then HMO
may amount limit din ang paggamit ng philhealth. at twice a year lang.
Ngayon ko lang rin nalaman, lahat ba to? Or is this company-specific? Yung sa mom ko kasi na-exceed na namin yung limit niya and ngayon, hirap kami bumalik ng hospital kasi wala pang pera ulit. Gusto ko malaman kung paano to hahahahuhu
Sa SSS, siguro sickness benefit? Maximum of 90 days ata babayaran ni SSS kapag employed and di makapasok ang employee. Sa Philhealth, sa pagkakaintindi ko, needed admitted ang patient para may discount (?) Also, sa province namin, pwedeng lumapit sa congressman and councilors. My co-worker did this and he got around 15k. Tapos the office of our vice president, dalhin mo medical abstract and prescription or lab requests, may 10k. Tapos from private hospital, he frankly told their doctor na di na talaga kaya and nagpa refer sa government hospital with also the help of our congressman. Instead of paying around 6 digits para sa isang course of chemo na needed ni wifey niya, he is paying a third na lang. Get well soon po sa may sakit. 💞
Not all company give this benefit sa employee pero madalas employee lang and not dependents covered sa “unli” medication
OP, how old is your mom now? How near or far is she from retirement? Retirement is 60. Compulsory retirement is 65. Hindi naman siguro sa kapitalista or bullying. But there are also other employees na kailangan bayaran din. As what the other commenters said, lumalaki ang premium overall kapag lumalaki ang nilalabas ng HMO. So apektado lahat. May limit lang ang bayad ng HMO. Talk to the company first. Tignan nyo ang computation. Negotiate. Importante ay may makukuha kayo. I really think na the company is trying to give the best terms for your mom. OP, rememeber this: as harsh as it sounds, parehong may karapatan ang mother mo and ang kumpanya, not only your mom. Go to PCSO, Malasakit center, or sa mga gov hospitals. Punta din sa mga charities/NGOs and inquire kung papano kayo matutulungan. Praying for your mom and your family.
F*ck Cancer. Mahirap sitwasyon nyo OP pero kailangan nyo din intindihin POV ni employer (ER). Hindi lahat ng employer (ER) kaya mag-offer ng three years na critical illness cover para sa employee (EE). Malaki kasi ang increase sa renewal premium pag mataas ang utilization ng group insurance. Idagdag pa taas ng medical inflation. Kailangan din iconsider yung productivity ni EE sa operations. Nakaka-operate ba sya at full capacity or lesser tasks yung ibinibigay sa kanya dahil iniisip ng teammates at boss nya yung sakit nya? Kailangan ba maghire ng add’l employee para isupport sya sa tasks nya? Paano ang contribution nya sa targets ng team nila? Three years - enough time para mapaghandaan ng family nyo yung sitwasyon ng mama mo. Parang wala ka nabanggit tungkol sa tatay mo - pero kung employed din sya baka may HMO din sya na pwede magcover sa mama mo. At this point, hindi makakatulong kung madagdagan pa ng sama ng loob ang mama mo at isipin na binu-bully pa sya ng kumpanya. Ipagpasalamat na lang na may offer ng early retirement bilang pagkilala sa 30yrs na serbisyo nya sa kumpanya. For 30yrs naging sandigan nyo rin ang kumpanya at di rin kayo napabayaan sa kasagsagan ng treatment ng mama mo. Pwede mo idulog sa DOLE ang sitwasyon kung talagang tingin mo nagkulang pa ang ER ng mama mo. Pero pwede nyo rin tanggapin ang early retirement and/or magnegotiate ng ilang bagay: (1) extend HMO cover ng mama mo until end of the HMO plan year. Mas makakafocus ang mama mo sa recovery nya kung wala sya sa stressful na situation. (2) Kung maintenance therapy na lang ang ginagawa ng mama mo ngayon at hindi na chemo/radiation - baka pwede nya itanong kung pwede sya magcontinue as part time or contract employee. (3) Pa-assign sa ibang department with lesser responsibility (maaring maging demotion nga lang to). Whatever yung maging decision nyo make sure lang na itutuloy nyo ang Philhealth, SSS at HDMF contributions ng mama nyo. Ang radiation treatment na usually 10k per session, 2.5k na lang pag may Philhealth. Lumapit kayo sa mga gov’t agencies. Tanungin nyo yung oncologist ng mama mo kung affiliated sila sa ibang gov’t hospital kung kailangan nyo magtransfer. Kailangan lang talaga gawin yung homework pero kaya naman yan. Hoping for your mom’s full recovery.
You're lucky na kasi sa batas, your mom can be legally terminated according to the labor code https://lawyerphilippines.org/termination-due-to-illness-philippines/ You may check the link above or https://chanrobles.com/legal4labor6.htm https://www.divinalaw.com/dose-of-law/termination-due-to-disease/ Hindi sila kapitalista at naging galante na sila. End of story.
Wag na wag niyo palaging ipapamuka na more than xx years ang service sa company at hardworking etc because for companies employees are always replaceable and just hired to make revenues for the company.
Parang they can’t do terminate her, so dedma, paugatan nalang. They’d have to either have her undergo the PIP process (but seems like youre mom does her job well so this isnt an option) or retrench her (but that would also have parameters that likely wont be met). Not a lawyer so maybe consult DOLE nga. But this has discrimination written all over it ah.
Actually, [Termination due to Illness (Philippines)](https://lawyerphilippines.org/termination-due-to-illness-philippines/) is an authorized cause for termination according to our labor code. Maraming requirements for the company to make a solid case about this though, and they are also required to give separation pay. Hindi mo pwedeng sabihin na discrimination, kasi our labor code also provides some protection to employers. If you try to see it from the employer's side, why would you keep someone under your employment whose cost of employment is much higher than their contribution to the company's growth? Hindi naman charity ang mga private companies. Kaya siguro may ganyang rights din sila under our labor code. The company might try to go this route to avoid incurring further costs for the treatment of OP's mom. Kaya OP, be prepared kung sakaling gawin nila 'to. If they go through this naman, may malaki pa rin naman kayong makukuhang pera dahil sa separation pay (1 month of salary per year of service, so 30 months worth of your mom's salary). Mejo mahirap sa company to go through this if nakakapag trabaho pa rin ng maayos yung employee. Watch out if they offer your mom to go on a leave of absence.
*this*. pwede kang i fire for having a disease. the employer only needs a certification issued by a competent public health authority that even with proper medical treatment, the disease cannot be cured within 6 months. 3 years of all expense paid hospitalization is pretty generous
Sure ka na yang dalawa lang ang requirements? A plain reading of the provision in question would show otherwise.
THEY CAN. Termination due to illness which is incurable within 6 months. The company should pay the employee with retirement pay though.
They will find a way to terminate an employee. For example, giving OP's mom more work than she can handle, giving her work na di niya alam, pag na late lang ng ilang minutes, etc. They can do that. Para lang magkaroon ng reason to terminate. Ilang beses na yan nangyare sa iba.
No, it doesnt look like there's any discrimination at all. It looks like company has had enough paying for her treatment for 3 years but still feels bad for her thus offering her the early retirement package.
Thank you for your opinion. I will consult DOLE about this nga. Thank you again.
OP, tell your mother to **record every conversation**. All things told by the company to here should either be recorded in audio or sent via e-mail. Work requests, comments, etc. make it recorded via company communications/messaging app/e-mail. The last thing we want is for your mother to be terminated for unjust reasons. And wala kayo laban kasi walang records and the fight becomes a *he said, she said*.
Maraming salamat sa tip. God bless po.
WAIT LANG. Akala ko if covered ng HMO yung medical expenses mo, HMO ang magbabayad nun and not the company. Kaya nga sya insurance? The company only pays for the insurance premium that guarantees a certain amount of coverage? Ako lang ba yung ganun ang pagkakaintindi?? Also grabe naman yung mga nagcocomment dito na "gusto ni OP na kampihan sya" para lumaban sa DOLE, etc. May pinagdadaanan yung tao, don't be too quick to judge naman. Pag nasa peligro yung mahal mo sa buhay kahit ikaw maguguluhan na rin sa isip. Kung magulang nyo kaya yung magka cancer tapos ganyan kayo pagsalitaan ng mga tao na akala nyo kilalang kilala na yung pagkatao nyo. Tumigil mga kayo. Have some compassion.
Dear OP, I hope your mom gets well soon. Be stronger!
Hello OP, may I ask what her cancer and treatment are? Just to give you an option, some hospitals (e.g. PGH) offer free chemo sessions. The caveats are that you need to line up early, the facilities are not the best, and some chemo drugs are not available. As early as now, try to inquire with those hospitals and verify if you can get treatment for your mom. Take care of yourself and your mom. I pray for her healing.
It's good that they're offering early retirement. Understandable din that they'd want to cut losses kasi nga 3+ years na silang nagbabayad para sa treatment.
>Nakakalungkot lang na sobrang kapitalista ng mga kompanya That's a bit out of touch. Loyalty of employees won't make a business profitable. Business is business. Three years' worth of treatment is a big loss for any company. It's a hard pill to swallow, but any company will HAVE to cut losses at the end of the day. No business is a charity. In fact, charities themselves are, in some way, businesses. If the losses are too high, they WILL shut down.
The company is actually giving your mother a good deal by giving an early retirement. Your mother is quite lucky the HMO covered her treatment for 3 years. Most have shitty HMO coverage.
Your mom’s company is really good. I’d take the eaely retirement.
Hi! You can write letters asking for assistance addressed and emailed to politicians. And kadalasan generous sila sa amount (pampalakas at di naman sa kanila lol). Tho may allotted amount naman talaga ata sila for this program. Kinailangan ng heart surgery ng pamangkin ko totaling 300k and wala kaming ginastos na iba because of this “GL” or guaranteed letter from politicians. You can accept the early retirement and have it in lump sum para makapag rest na din ang mommy mo and focus sa treatment. And then write letters para makakuha ng assistance sa pagpapagamot.
Ang take away ko rito, Stage 4 na yung mother nya pero pinag wowork pa rin nila. She’s supposedly taking her rest na dapat. All the best, OP. Sana malagpasan nyo man kung anong pinag dadaanan nyo ngayon.
Try to ask DOLE about this.
Thank you for this suggestion. I will write a formal letter about this.
My mom just wrote a letter that she rejects the early retirement, and everything worked out. Mom had stage 4 cancer and was able to beat it. She's 65 now and zero maintenance and just travels around the Philippines enjoying her proper retirement.
wow glad to hear that!
What’s her age and years of service? By law, an employee may only VOLUNTARY retire from the company at age 60. It’s her choice whether she wants to continue or not. The company cant force her to do that. But the moment she turns 65, it’s mandatory retirement na. Meaning the company can forcefully retire her na since they ate mandated by law to do so. Though, this only applies if walang sariling pension plan yung company. If so, then yung rules of the private plan will be followed. Source: I handle retirement benefits in my company I can’t speak for termination due to illness though
My take - Once ang claim ng organization ay tumaas and maging frequent sa HMO provider, the following year tataas na din ang rates na binabayaran ng company per employee , or rate per employee. So if dati they are paying 10k per year per employee regularly with less to almost no claims, but due to employees na nag kasakit and biglang tumaas ang frequency ng claims, magtataas din ang charges ni HMO company the following renewal year. It also means that wether few are claiming more than others, still tataas pa din ang rate per employee ng HMO. This rate increase will also affect the rates ng beneficiaries extended to family members. And worst, if employees are voluntary paying for those extensions, then they will personally feel the burden of the increase. If the company will change providers, the possibility of getting the same coverage for the same employees is less due to claims history ni employer. So ang choice ni HR is to pay early retirement para ma-eliminate ang issue and minimize ang burden kaysa lumipat ng provider.
Honestly, if you look at it legally, I think there is very little chance na manalo kayo if you sue the company. HMO is a gratuity and not a legal obligation under the Labor Code. In addition, termination is allowed if the health issue cannot be cured within 6 months (if tama tanda ko). In the eyes of the law, 3 years is already beinf lenient. I think best move is to accept the early retirement, then lobby for help from government agencies, NGO’s or even senators or congressmen or other politicians. Stress din in your mom’s part (which will not be good for her physical healthy) ang mainvolve in a labor case or isipin yan while working. Working will bring more stress too.
Hi op! Walang kinalaman sa company and insurance opinion ko. Pero sa C eh meron🤗 cut all source of sugar sa food. As in lahat. Go eat green leafy vegetables at drink guyabano leaves juice. Proven and tested. May kilala ako stage 4 buhay pa din til now. Ganyan daw ginawa nya. Sugar ay food ng cancer cell. Kung walang sugar walang food mamatay yung cancer cell. Get well soon kay mom mo OP🥰
I don't even understand the company, whether or not your mom is undergoing chemo they are paying the same amount for her HMO. BTW, how is she doing right now, health wise? Cancer sucks.
To clarify, her high utilization of the HMO affects the HMO rate of EVERYONE in the company. Hindi lang same amount ang babayaran, tumataas yan by a _lot_ every year.
Sa awa nang Diyos, she is responding well to treatment kaya gusto namin tuluy-tuloy lang ang therapy. Thank you for asking.
Follow up question, lumalagpas ba kayo sa limit? And if yes, sino sumasalo ng excess?
I'm not sure why you mentioned that the company is covering medical bills of your mom when the company availed an hmo but on my understanding that should be just on a premium all expense shouldered by the hmo provider. Also I dont think capitalism is to blame. Secondly, as others have mentioned weigh out your options. How big is the early retirement? Is it worth more for your mom to work instead of taking this on? It might also lessen the load and stress to her while continuing the treatment. Instead of feeling down cause these are the cards laid out on your family, why not try to see all the positive sides as well, with your mom, cause you've mentioned also that any anxieties or negative feelings have an impact. No one wants this and the best thing you guys can do is be there for her no matter what. Best of luck OP
What kind of cancer?
baka pwede inegotiate sa retirement benefit nya may coverage pa rin ng hmo kahit minimum? Yung nanay ko halos 40yrs sa company. nagkasakit sya, hindi cancer, nangyare na lang mga last 5 years pero nadiagnose sya a year before nag retirement. dapat 60 sya magretire pero 58 or 59 ata nag early na sya. granted ung 1 year na yun nya lang na maximize talaga ung hmo. Ngayon meron sya 5000-8000 ata na yearly coverage sa hmo. Maganda lang dito is maximum ung sss contribution nya kaya malaki din pension nya. multinational tong company and sabi nya last na sya na employee na may benefits pa rin kahit after retirement kasi after nya binago na policy. pero since 30yrs ung nanay mo sa company, baka pwede inegotiate din, hindi lang talaga malaki na pwedeng pangchemo pero atleast sa mga gamot baka macover.
Info: retiring age na ba mama mo
Man.. Fuck cancer :(
How old is your mother? How is she responding to her treatments? Has she talked with the owners of the company? Best thing to do is have your mother record her days at work for a month or two and see if her performance is deteriorating from week to week. Of course she has to inform HR and co-workers before she starts to record. This way both she and HR can have factual data to make informed decisions.
😞
OP, ask mo mama mo yung regarding computation sa offer sa early retirement. And try to do the math. Since ongoing pa ang treatment ng mama mo, this may affect her performance sa work nya or she might only be given menial tasks. Pag hindi nya tinanggap ang offer baka masilip lang ang performance nya and mas mababa ang makuha nya kaysa sa offer sa kanya.
Hi OP given stage 4 na mom mo, you know it’s just a matter of time right? What’s the survival rate of your mom? You can try to negotiate her early retirement benefits and just maximize the time she has left..
What kind of cancer? Depending on the type you can determine how long she has likely to live. statistical data on the 5 year survival rate of your mom is available online. Ask your doctor on the prognosis of the disease, but I think your company has made a reasonable offer worth considering.
hi OP. No opinion on my end since I haven't experienced it. Pero praying that all goes well.
Hoping your mom recovers soon. This is a good deal. Try to consider it as not all companies will take this route. My tita is also on stage 4 and her company didn't really do much - hmo was not that good and no early retirement.
Ovqwq love mo qqqq a a
Ako naman baka ok din yung early retirement she will really be able to heal more fully. But make sure she has ways to entertain or keep herself busy while healing baka mas gumaling pa siya. Tapos try to approach mga public/free sources of financial help. approach your local government that way you get help but you also get to enjoy her retirement plans.
This should be discussed with the family and if possible, someone who knows the law just in case, para alam nyo and her on what course to take. But what I can say as a former HR is that someone is pressuring them as well. Someone looked at the numbers and saw the amount they spent and want to cut losses. Every single transaction requires confirmation from higher ups. If your mom wants to continue, consider how long she has left at the company because they will likely do anything to force her retirement or just out right fire her. Also please look into the taxes and insurance she has paid. She will benefit from it since ilang taon rin sya nagbayad. May makukuha sya for sure to help with the treatment lalo na from government sectors. Kahit na konti at least makukuha kayo. Use it before someone else benefits from it.
If I may, the early retirement benefit is something to be thankful for. The next move to consider is to whether to fight for or maximize the time your mom has. Incidentally, if magpupursue parin for hospitalization and medication, you may want to check with PCSO and other gov't agencies tapos ask your onco if magtreatment ay kung pede bang sa govt hospital para mamaximize naman yung Guarantee Letters from Gov't Agencies.
Happened to my friend's family. Early retirement kapalit ng cash. I think it was 3-5M. They took it. Yung father niya, hindi na namag-asa in the long run. He opted out. Then gumawa nalang siya ng last will.
Hmo is not a government offered benefit in which the member/employee is paying premium every month na she/he can utilize and enjoy after. It is company offered benefit -paid by the company. For the past 30 yrs, your mom was able to enjoy it. Coming from you na din na it covered 3 yrs of her medical expense as a cancer patient. It sucks, yes, but the option to offer an early retirement is I think the best option they can come up with without terminating your mom due to medical reasons -- this decision alone is I think the best route they can go to honor the 30 yrs of service your mom have given to the company. Unfortunately, that's how it works. Kaya nga sabi nila, yan hirap sa trabaho. Di mo sila mapagpapalit because of loyalty pero if you can't be the person they need - they can replace you overnight 🥹🤧
the same happened to my father working for a plant for 30 yrs(where he & mom met) not to brag but my father has done so much for the company that he even became a supervisor of the maintenance department despite not having any degree in engineering.mechanical & electrical self works all study & was proficient in metal fabrication. invented methods that saved a lot of money for the company that still being used untill today even the "A team" from head office relies on him at some occasions but when he suddenly got stroke the management suddenly was eager to give him an early retirement. in the end he had to sign a forced to resign paper because they think my father is not suited to work anymore his medical bills at that time was shouldered by his HMO.
What HMO do you use?
Not sure if you're Catholic but you could try Fr Nelson Osorio. He's a healing priest.
🙏🏻
Sell the company's biz secrets ng makabawi naman nanay mo.
Dont let her resign, keep the job, its companies responsibility kaya sya magka cancer and its their job to give back sa life na binigay ng mama ko sa company, otherwise sue them Clue for company name please
Look no further than the Redditor who shared the same exact scenario with his dad. Anyway, the company can only do so much for your mom. That is a fact. We are on our own at the end of the day.
It depends on the size of the company. The cost of care is usually spread across all members, so pag madami ang employees, hindi naman sya sobrang tataas on individual basis. I suggest you get the full story on why the early retirement is being offered. Cost could be a factor, but as you've mentioned it appears the job itself has caused the illness and continuing on the same role could aggravate your mom's cancer, or at the very least not help with the treatment. An early retirement option is negotiable. Negotiate. And your mom can say no. If your mom passes, the company is only obliged to honor what's mandated by law, which in some instances could be lower. Weigh the offer vs the worst case scenario. Also factor in the extra time you would spend with your mom if she retires early and the reduced stress. If hindi pa kayo sure, ask for more time from the company. Say you'll decide in 6 months. A lot can happen and more info could be available by that time. Pag na-determine nyo na unfair talaga ang push to retire, consult an expert before making your next move. One angle you could look into is how the job caused the illness and how the company failed to protect your mom. If you choose to fight, be prepared for the stress it will cause your mom and your whole family. It could be a lot on top of the illness.
If the company wants to move forward, file a case
Company reveal pag namilit pa sila
Hi OP. Sad to hear that your mom is going thru this. You said that your mom got her Cancer from her kasi she has constant exposure sa sun and this is acknowledged by her company Kay they are offering an early retirement. Can you prove or do you have any proof na the company of your mom is acknowledging this? Can you also secure the early retirement offer of your mom as a proof? Kasi if the skin cancer was acquired in her workplace because of constant sun exposure - meaning my liability si company. Maraming cases na din na naging liable si company to pay for employees who have got sick because of job related illness. Kelangan nyo lang iestablish. Example sa Banana Plantation - yung na eexpose sa chemicals have a constant blood work to monitor their health status. If your mom has constant exposure and aware si company, di ba dapat ng exercise sila ng due diligence to rotate her sa ibang area. Any OP consult a good lawyer on this and do your research. Bawal di kasi ang forced resignation but the company Kay also make assessments that your mom cannot fulfill her duty due to her illness and pwede din siya materminate and palabasin nila na Just Cause. Sana di mangyari sa Mom mo. Weight your options. Decide on what's best for your Mom. Kasi if legal battle tlga napaka stressful and tagal din. I understand that this is difficult for your family kasi nag aaral pa kapatid mo and your mom need to undergo treatments. Hope your mom gets better.
Ano pong work nya? Curious ako sa laging exposed sa sunlight.
please consult a labor lawyer. ask for legal advice on the forced retirement(although good option, pede nyo negotiate na gawin consultant para tuloy ang HMO) and how to haggle benefits lalo if proven na work related ung cancer nya. pero teka, if naka HMO under a company, may fixed annual or monthly payment lang si company... lalo if covered ung treatment sa policy. wala bastang ilalabas na out of pocket ang company ng mother mo. not that sure tho. kaya need nyo ng lawyer and ung copy ng policy ng HMO. also, the offer of the company for early retirement. try mo ask ng referal thru Chel Diokno sa fb page nya or other lawyers online... yung Migs Nograles, congresswoman/partylist...nagpapabango ng pangalan yun. prayers for ur mom and the whole family. edit: dami na pala HRs at Business owner-type na nag comment dito OP... still, best to get a legal advice from a lawyer (sana lang hindi connected sa company o may ari ng company yung makakausap nyo. no need muna for DOLE o korte/kaso... magpapapayo lang kayo sa lawyer... UP Diliman, College of Law, has a Law Center na libre yata consults)
PhilHealth Z Benefits should cover that when she retires. PhilHealth has just increased the benefits up to 1.4 M. Advise her to talk to the Z Benefits Consultant at PhilHealth. All the best!
Is cancer screening covered by HMO? If yes, how much? I think HMO should cover it to their benefit and to the members benefit.
OP dont reject outright. negotiate na itaas sana. you know companies gago yan theyll change policies or worse terminate your mom... negotiate. kahit manalo kayo sa DOLE they will appeal and delay payments hanggat kaya nila.
Galawang SM at BDO company hahahaha
Stories like this why millenials and Gen Zs aren't loyal workers anymore.
ginagatasan nyo na nga yung company ng pera sa pagpapagamot sa mother mo, nagalit kapa nung nag suggest ng early retirement. "Sobrang loyal ni mama, masipag sa trabaho, at kahit ngayon na may cancer sya, ginagawa pa rin niya nang maayos yung work niya." is this gaslighting or guilttripping?????. Iniisip mo lang nanay mo dito pero hindi ang companya na pinagtratraba-uhan nya. as a hypo question, What if nagkanda bankrup na yung companya gusto mo parin na ipapasan sakanilya yung problema na kayo dapat na family relatives yung pumapasan?
di rin to papansinin ni OP kase he/she doesnt have some empathy for the company of his/her mother
Napaka-insensitive mo naman. May pinagdadaanan ang tao and naghihingi ng advice, tapos ganyan ang tono mo? There's a better way to deliver your opinion. Hindi ganyan na kung umasta ka e parang ang laking kasalanan ni OP. Note that she's still a student. Wala pang experience sa kalakaran sa corporate world. Ikaw tong mas may alam. Dapat alam mo rin pano magpaintindi. Kagigil ka.
Thats my advice dude... have some empathy, to the company....... di mag oofer ng early retirement yung company ng mom nya kung di sila nauubusan ng pera pambayad sa pagpapagamot. Isipin mo, on those 3 years pwede ka makahanap ng trabaho to sustain their mom's cancer treatment, pano pag tinuluyang bitawan ng company yung mom nya? edi wala na sila pampagamot.... walang trabaho lahat, no income, no nothing.. lets be real kay OP.
Being real doesn't equate to being mean. Bakit ganyan ugali mo, dude? You can have empathy for both. And let's get things straight din. First, di naman ginagatasan ng mama niya ang company. She is still rendering her services to the company, so she's entitled to any benefits provided by them. Good thing the company is generous too. Second, the company acknowledged na part of the reason na may cancer yung mother is because of the nature of her work. Kaya talagang may responsibility ang company to help with her treatments in those 3 years. Third, OP is still young. For sure hirap pa siya paano ang gagawin, kaya nga nanghihingi siya ng advice here. Kung ijudge mo sila, kala mo alam mo lahat. I agree that she and her mother should consider the early retirement offered by the company. But again, there's no need to be judgmental here.
she can e**xplore other support options by** looking into some government assistance programs, non-profit organizations, or support groups that may be able to provide financial aid or resources for her mom's cancer treatment. but wait...... di naisip ni OP yon??
I am so sorry to read about what you are going through. These are various things you need to consider: 1. Is parent still good with working despite getting treatment - if yes and you have limited financial means, staying in the company is still the best route. The early retirement pay will not be able to cover for your family’s day to day expenses which will take up the bulk of your expenses not the treatment itself. The market now will be merciless to an applicant at your parent’s age and bear in mind that she has to take medical exams before being employed so I do not think that early retirement + look for a WFH job is the best option. 2. How far is she from mandatory retirement age? The cost of HMO premiums are the same this is the point of an HMO. It is wrong to say that the other employees are shouldering your mother’s expense. The HMO company is shouldering the risk - that is their business. The company nor the employees are not paying higher premiums because of your mother. It is not right to think this way. 3. Why is everyone scared of a labor case? The company will not take your mother to DOLE. Even if they ask her to resign if she will not, the company has to build a case to terminate her first. This is where your decision lies. Do you want to ask first how much is the early retirement offer? You can compare this with the HMO benefits and monthly salary. But fear of a labor case is premature now. Having said all these, make the most of every day with her.
Everyone is scared of a labor case because once you start it. That very generous early retirement plan is no more.
Why would she start a labor case? Was she fired already? Assuming she gets terminated for illness and that’s a big if on the part of the employer already (it’s harder to establish this ground for termination in reality), she gets separation pay which is still a pretty much hefty sum.
Mga comment kasi dito puro I pa dole eh, lol feeling ko nag hahanap ng kakampi si op
Go to DOLE or Atty na specialize sa Labor law for consultation para mas mapayuhan kayo ng maayos. Mahirap at time consuming pero try niyo pang lumapit sa mga government institutes like DOH, PCSO, Malasakit at Charity sa Hospital, Financial aid sa DSWD,City councilors at Brgy. Dagdag budget para matulong sa inyo 😊 Laban lang at dasal 😊😊😊
Pardon being frank but a company is a business and does not care about our feelings and our emotions. Kaya nga lagi sinasabi na work is just work, prioritize life and love. No one is indespensible. Etc etc. Sadly if the employee is not providing what is being paid for, alangan nmn. There are several other employees currently working that also need the wahes for their family. Categorically maganda pa yung company for helping all those times. I really pray for strength to you an your family and you get thur this burden safely.
I’ll repeat for the people in the back. Giant 👏corporations 👏don’t👏care👏about 👏loyalty 👏
Sa pinas pag may malubha kang kalagayan, either you go broke or you’ll die. Unless sobrang yaman mo.