Monday, November 2, 2009
Filipino Teachers: Beware of US Recruitment
I am teaching overseas right now. Please do not allow yourselves to be victimized by recruiters. Please read the article about Filipino teachers held in 'servitude' in the USA in the link below.
http://www.usatoday.com/news/education/2009-10-27-filipino-teachers_N.htm
You don't need recruiters. You don't need middlemen/middlewomen. You can take control of your job search.
Let me share with you how I applied for my overseas job.
As an Overseas Filipino Worker, my first overseas job was a teaching position at the Da-Yeh University in Changhua, Taiwan. I taught there for 5 1/2 years. I applied online by posting my resume on Dave's ESL Cafe. It was free. Afterwards, Dave's ESL Cafe sent me job ads posted by schools and language centers.
I sent my application portfolio to several universities in different countries. After considering the offers, I chose to sign up with Da-Yeh University in Taiwan. Everything was free in the sense that I didn't have to pay any middleman/woman (the recruiter). Of course, I paid for my passport at the Department of Foreigh Affairs and my visa at the Taiwan Economic and Cultural Office (TECO) in Makati City.
I applied personally for my passport and my visa. I didn't allow any recruiters or travel agents to make money off me. I was a direct hire.
Right now, I am teaching at the National Institute of Education (NIE) in Singapore. How did I apply for this job? I surfed the web, found advertised job openings for academic staff in reputable institutions, and sent my application documents in 2007 to some.
After going through the usual interviews and waiting for several months, in November of the same year, I received from NIE an air parcel sent through a 24-hour courier. It contained my letter of appointment and other relevant documents. I signed an acceptance letter which I sent back through a 24-hour courier, too. A notice was e-mailed to me to pick up my air ticket from the nearest Philippine Airline sales office.
On Nov. 30, 2007, I flew to Singapore. I checked into the university's executive centre for free, then transferred to a faculty flat on Dec. 3, 2007. I received my first paycheck on Dec. 15, 2007.
I was a direct hire. I didn't allow any recruiters or travel agents to make money off me.
It breaks my heart when I hear of fellow teachers who are victimized by recruiters. I understand the dream that you dream. For heaven's sake, don't let it become a nightmare!
Concerned,
Carmelita C. Ballesteros
Wednesday, August 5, 2009
OFWs and Tita Cory
by Noslen Sonnel
Adopted, yet unwanted.
Keen to see the day of our return.
Keen to see our nation's rebirth.
The death of Cory increased our sorrow.
She was the mother who wouldn’t let us leave
A fellow Pinoy who wanted us not to cleave.
The road she travelled, we scorned and disowned.
Yet in the depths of our hearts we are brown.
The death of Cory increased our sorrow.
Tuesday, August 4, 2009
Tita Cory's Wake
A friend of mine in the Philippines forwarded to me an e-mail about Tita Cory’s wake at the La Salle Greenhills. The original writer of the email has given Barangay OFW her permission to publish her email.
From: Juliet Guanlao _________________
I could not pass up on this chance to feel "People Power" all over again. I went there with the hope of witnessing and feeling the same fever that gripped all of us 23 years ago. I was at EDSA (it happened three months after I came home from an 8-year stay in NY). I was squeezed at the gates of Malacañang with the passionate mob who rushed there after hearing the news that the Marcoses had fled. I was in Luneta during the rally after the dictator was ousted.
I just felt that this is the last chance to feel Tita Cory's fervent hope to unite us, even up to her death.
There were a lot of smiles, nods and short comments exchanged among strangers, as we passed by or faced each other in our respective spots. As expected, there were a lot of entrepreneurs who were able to produce yellow shirts and yellow ribbons in such a short time.
We arrived at around 8:30 pm and were able to join the 2nd layer of the line. Those who were in the first line had been there since 4 o'clock. There was a mass at 8pm and they stopped letting people in at 7.
We were feeling impatient at around 10:30 pm when, to our surprise, there was activity behind us. Tita Cory's grandsons, Jiggy (the one who looks like Ninoy) and the other one (we didn't get his name but I think he was the other one who was frequently seen with Jiggy, but this time without his Ninoy glasses), were walking through the lines, shaking people's hands, profusely thanking and apologizing to everyone about the long wait.
Of course there were a lot of posing and picture-taking, and these two young lads were game! It was probably a nightmare for the two security personnel who tailed Tita Cory’s grandsons. Their presence gave everyone the much-needed boost, and we were able to keep our spirits up for the next 2 hours. There was even one lady behind us who shouted, "Iho, ano nga bang pangalan mo? Iboboto kita!" It was indeed an unexpected but heartwarming gesture from those two young men.
When we had gone through the gates, we saw young people handing out Kopiko candies and Hershey's Kisses chocolates. Feeling nasa wake talaga! Kulang na lang Boy Bawang, Happy peanuts, butong pakwan and Zest-o. But there were water dispensers and cups in different spots inside the campus.
Tita Cory was wearing a simple bright yellow dress with sparkling stones. Brownish hands folded clutching a rosary. Jet black hair combed back, bright red lips, heavily-foundationed face. She looked very different... she looked like a Chinese mestiza but decades younger... The face was different from the Tita Cory we are all familiar with. But her expression was very serene... very peaceful...
The way she looked in the coffin got us distracted. We were hoping to see the sweet, motherly face of Tita Cory. We walked back to the car pensive, and disturbed. We did not want this to be the last memory we will have of her.
Twenty-six years ago, I was marching in the streets of New York City, together with the members of the anti-Marcos movement, because Ninoy had been assassinated. I live now in Manila, but for the 26 years that I have lived here, my sense of obligation has centered around myself and my loved ones. Other than doing my best to be a law-abiding citizen, the occasional bouts of nationalism demonstrated during the People Power and now for Tita Cory, I have not really done much. I hope now, I can start...
I have been a silent reader in our e-group for the past 8 years.. Now I cannot resist na magparamdam because I want to share this experience with all of you.
To those who are overseas and cannot make it to the wake, I hope this gives you a glimpse of what it was like to be there, from my perspective. To those who can make it to the Manila Cathedral, you still have a chance.
Thursday, July 23, 2009
OFWs at NAIA Terminal 3
Are you ashamed of Terminal 1 of the Ninoy Aquino International Airport (NAIA) in Metro Manila? Compared to other international airports, it is dilapidated and shabby. However, it is a functional airport, although its toilets don’t work all the time.
According to Wikipedia, it handled 22 million passengers in 2008.Wasn’t that a feat? Supposedly, it was built to handle only 4.5 million passengers.
The most significant thing about Terminal 1 is its historic value. It was where Ninoy Aquino was assassinated in 1983, moments after he was escorted out of a China Airlines flight by Marcos’ soldiers. So consider it a unique privilege to arrive and depart from such a rare and aging airport. It’s like time travel. On top of that, it’s an airport where a modern-day hero was assassinated.
It is a little newer and its toilets seem to work all right. It is used exclusively by the Philippine Airlines for all of its domestic and international flights. However, the last time I arrived at Terminal 2 in 2007, I remember a really awful experience.
There were very few trolleys for the passengers’ baggage. I remember that there were at least 500 passengers fighting for about 20 trolleys. My family was worried sick because it took me more than an hour to get out of the airport.
I advised a colleague who was flying to Manila after me, and also flying via Philippine Airlines, not to check in any baggage so that he could get out of the airport fast.
What about the newest terminal of NAIA? With its tattered reputation of being at the center of legal disputes and charges of corruption, I wanted to find out for myself how Terminal 3 compares with its older siblings.
Having heard that Cebu Pacific uses it exclusively, I used this airline for my trip from Singapore to Manila and back last June. I was pleased that Cebu Pacific already offers day flights. It used to offer flights only on graveyard shifts – late evening, midnight, and wee hours of the morning.
My flight from Singapore to Manila on June 18 was at 10:35 a.m. I flew out of Changi’s Budget Terminal which is miles better than Terminals 1 and 2 of NAIA. My plane touched down at 2:05 p.m. in Manila and I was out of Terminal 3 by 2:45 p.m. It was a breeze!
I was in a hurry to get home, and didn’t look around. The only impression I got was that there were no crowds and the airport was quite cold and quite bare.
Time flew, literally. Two weeks were gone and I had to head back to Singapore on July 1. My flight being at 1:30 p.m., my family dropped me off at Terminal 3 at 10:30 a.m.
Unlike the annoying, multiple layers of security checks at Terminals 1 and 2, I got the pleasant, but ‘uneasy’ feeling that security at Terminal 3 was lax. I remember only one security check before I queued up to the airline counter check-in.
On my way to the airline counter, there was a security profiler from a private agency. He looked only at passengers’ tickets and passports. He was not from POEA, and I wasn’t sure what his ultimate aim was. He didn’t ask to see my OWWA (Overseas Workers Welfare Administration) Certificate nor my OEC (Overseas Exit Clearance). Anyway, it took only a few minutes.
There were several flights en route to Singapore, Hong Kong, Macau, and Taipei but there was no crowd. The airline counter clerk asked me if I was an OFW. I said yes and offered her my green OEC. She took one sheet from the set of four copies, then returned the remaining three to me.
(By the way, I didn’t need to pay the Philippine travel tax of Php1,620.00 as an OFW privilege. My OEC, which cost me SGD5.50, is the proof that I am a documented OFW. If you are an OFW in Singapore, you must go to the Philippine Embassy on Nassim Road and pay the equivalent of USD25.00 to get an OWWA certificate. Only then will you be allowed to purchase an OEC.
Cebu Pacific, for its part, collects the travel tax from departing non-OFW Filipinos when they buy their airline tickets. Thus, Cebu Pacific has cut down a usually slow and disorderly step from the check-in process of passengers at Terminals 1 and 2.)
On my way to the Immigration Counter, I passed by the booths which collect the terminal fee of Php750.00. I approached the booth for OFWs and gave my OEC to the clerk. She tore off one copy and returned the remaining two to me. I didn’t need to pay anything. Altogether, I was spared from spending Php2,370.00 in exchange for the OEC which cost the equivalent of Php180.00.
Finally, I walked in towards the immigration counter through the terminal fee counter. There were only two immigration counters and there were only three of us international passengers.
The immigration officer waved me through. I was a little disappointed that my transaction was so ordinary and uneventful.
Airport Amenities
I walked farther inside Terminal 3 and had lunch in one of its cafes. It was a 90-peso lunch of rice and chicken. There were pricier choices but I wasn’t interested.
I checked out the wash room, of course. It’s almost as good as Singapore’s. That’s a big improvement.
Was there a duty-free shop? I don’t remember any. For the second time, I noticed that Terminal 3 was quite bare. With nothing to while away my time, I looked for my boarding gate. The clerk ripped off half of my boarding pass using the cover of my passport. Without even looking at me, he waved me in.
There was hardly anybody in the departure lounge. People started streaming in only at 12:45 p.m. After 10 minutes, we were asked to board through a short tube. The plane was probably two-thirds full. We took off promptly at 1:30 p.m. and landed at Changi Airport at 4:40 p.m., 20 minutes ahead of schedule.
Both Cebu Pacific pilots who captained my return flights were great landers. The landing was so soft and gentle that I didn’t feel the landing gears touching the ground at all.
An OFW’s Impression
So what’s the verdict? NAIA Terminal 3 is efficient and Cebu Pacific is using it effectively. OFWs, aside from the submission of the green OEC, are inconspicuous. It means that OFWs at NAIA Terminal 3 are treated decently just like any other passenger, whether Filipino or foreigner.
I sure hope the decent treatment of OFWs remains that way. On a different note, I hope some sprucing up of Terminal 3 will be done to make it look friendlier and more attractive.
Monday, May 11, 2009
Alert OFW Lady Foils NAIA ‘Magician’
by Flori Tuazon
Sweden
She was overjoyed the moment she saw the smiling face of our daughter Melanie. Melanie who has recently learned how to drive had come to fetch her mother from NAIA.
My wife Marilyn spent most of her short visit caring for her sick mother and playing with our young grandchildren.
Time flew and Marilyn had to depart the Philippines on April 26, 2009. Melanie took her mother to NAIA where they said bitter-sweet goodbyes and embraced each other tightly and lovingly.
After checking in at the airline counter, Marilyn proceeded to the Bureau of Immigration area for the usual passport and visa check. She chose to line up behind a counter manned by Immigration Officer ‘Mukhang-Dolyar.’
The name of the immigration officer rang an alarm bell in Marilyn’s head and she wanted to change lanes. But she would have to go to the end of a kilometric line, so she stayed put.
Marilyn keeps her passport in a leather passport wallet with a zipped-up side pocket. Before leaving her mother’s house on that day, she put some dollar bills in the fabulous amount of US$70.00 in the zipped-up side pocket of her leather passport wallet.
Marilyn prayed that her transaction with Immigration Officer ‘Mukhang-Dolyar’ would be uneventful. And so it was, she thought. But she was wrong.
From the immigration counter, Marilyn went directly to her boarding gate. A few minutes after settling down in the departure lounge, she felt thirsty and wanted to buy bottled water. She took her passport wallet from her handbag to pay for the bottle of water. To her embarrassment, there wasn’t any dollar bill in the zipped-up side pocket of her passport wallet. It was empty.
After apologizing to the sales clerk, she sat down and collected her thoughts. As sure as she was sitting there at the NAIA, she knew that she had put US$70 in the zipped-up side pocket of her passport wallet.
Who else aside from her had access to her passport wallet? Immigration Officer ‘Mukhang-Dolyar’!!!
Marilyn rushed out of the departure lounge to go back to the desk of this NAIA ‘magician.’ She nearly bumped into the duty airport police officer whom she promptly asked for assistance. Together, they approached Immigration Officer ‘Mukhang-Dolyar.’
Mr. NAIA ‘Magician’ feigned innocence at first. But my wife Marilyn stepped on her gas pedal, so to speak, and screeched and screamed and shrieked! Soon, a crowd gathered around the desk of Immigration Officer ‘Mukhang-Dolyar.’
Mr. NAIA ‘Magician’ came to the rescue of his invisible twin, Immigration Officer ‘Mukhang-Dolyar.’ He pretended to look for the US dollar bills among his things, then bent down and – surprise! – found the fabulous amount of US$70.00 on the floor. He gave it back to my wife with a sheepish grin.
Mr. Regalado Medalla, the Duty Immigration Supervisor, noticed the commotion and approached the desk of Immigration Officer ‘Mukhang-Dolyar.’ Mr. Medalla asked my wife, the duty airport police officer, and Immigration Officer ‘Mukhang-Dolyar’ to come with him to the Immigration Office in the airport.
My wife Marilyn argued that it was impossible for her dollar bills to fall out of her passport wallet because they were inside the zipped-up side pocket. Accusing Immigration Officer ‘Mukhang-Dolyar’ of theft, Marilyn insisted that her complaint be written down in the airport police blotter.
Mr. Regalado Medalla, the Duty Immigration Supervisor, promised Marilyn that the Immigration Office would pursue the matter and would not let Immigration Officer ‘Mukhang-Dolyar’ off the hook. Mr. Medalla advised Marilyn to follow up her complaint.
As Marilyn was leaving the Immigration Office to catch her flight, Immigration Officer ‘Mukhang-Dolyar’ clasped his hands on his chest and begged Marilyn to have pity on him. He might lose his job.
As Christians, my wife and I do pity Immigration Officer ‘Mukhang-Dolyar.’ We don’t want him to lose his job. But he doesn’t deserve his job as an immigration officer at the NAIA. Surely, there are many upright men and women who can be recruited for the job Mr. ‘Mukhang-Dolyar’ will lose.
Since Mr. ‘Mukhang-Dolyar’ is gifted with sleight of hand, he will surely find a niche as a clown and magician in children’s parties!
Saturday, November 8, 2008
Obama nation
Wednesday, October 1, 2008
'No' to Bilateral on OFW Pension Funds
Saturday, August 30, 2008
Eugenia and Evelyn: Fellow OFWs
According to a Bulatlat news report, Eugenia Baja, 24, left the Philippines for Saudi Arabia on May 6, 2007. She went back home on June 12, 2008 in a cargo box. She was deployed by Aisis International Manpower, Inc. as a domestic helper although she had signed a contract as a patient server.
The cause of Eugenia’s death was uncertain. First, it was reported by the Department of Foreign Affairs (DFA) of the Philippine government that she had died of an illness. But later, the DFA claimed that she had committed suicide by hitting her head with bathroom tiles.
A Philippine Daily Inquirer report headlined its story that the family of Evelyn Milo, 24, did not believe her alleged suicide in Abu Dhabi, UAE on August 9, 2008. Her remains were flown back to the Philippines on August 19, 2008.
Evelyn, a saleslady in Abu Dhabi, allegedly jumped off from a building to her death. But her family told reporters that her body bore marks of foul play. They pointed out that if she had really jumped off from a tall building, her body wouldn’t be intact any more.
Mrs. Thelma Milo, Evelyn’s mother, protested indignantly that Bright International Manpower, the agency which recruited Evelyn, added insult to injury by offering her three hundred pesos!
Senator Manny Villar heard and immediately heeded Mrs. Thelma Milo’s heart-rending appeal for help on QTV Channel 11 so that she could bury her daughter. By inference, one could conclude that the DFA and the Overseas Workers Welfare Administration (OWWA) had been sleeping on the job. It is a reputation both offices do not endeavor to change.
Evelyn will be buried today, Saturday, August 30, at the Makati South Cemetery.
As an OFW myself, my heart goes out to Eugenia and to Evelyn. As a mother, I feel Mrs. Thelma Milo’s grief, indignation, and unspeakable pain.
If we had known one another, what would I have told Eugenia and Evelyn? What could I tell other women out there in Saudi Arabia, Abu Dhabi, Lebanon, Japan, Italy, Singapore, Israel, Hong Kong, etc.?
What must I tell everyone back home in the Philippines?
The OFW dream is not for everyone. For some, the OFW dream is a nightmare which choke them in their sleep. A new day never dawns for them. They leave the Philippines dreaming of a good life, but they come back with battered bodies, broken spirit, and shattered dreams.
Stop being a victim!
Stop being a victim of recruitment agencies, government offices, and foreign employers. Stop working as domestic helpers or whatever euphemism it’s called.
Stay in the Philippines!
Better be a poor mouse in your own country than a slave or an object in a foreign land!
Monday, August 18, 2008
To All Filipinos Everywhere
Monday, August 4, 2008
Alternative Insurance, Anyone?
Riyadh, Saudi Arabia
Danilo Pagdanganan
Company: The National Company for Cooperative Insurance
Location: Riyadh, Saudi Arabia
Diagnosed with colon cancer
Medical Insurance coverage: SR100,000 per annum
Life Insurance Coverage: 36 months of basic salary
Died: August, 2004
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Danilo's medical surgery including radiotherapy and chemotherapy had exceeded the SR100,000 per annum limit. In a very rare circumstance, the employer approved the continuity of his chemotheraphy and radiotheraphy sessions beyond the medical insurance limit. Estimated additional expenses had reached more than SR30,000 when the patient died of cancer-related complications.
Danilo's remains were repatriated to the Philippines after 21 days. This was considered by many as faster than any known repatriation recorded in Saudi Arabia. The average number of days to repatriate a cadaver takes about three months to process. The procedure is indeed time- consuming owing to the many governmental procedures one has to follow in getting the required documents and approval.
Danilo's surviving wife and three adult children each received US$16,320 being the equivalent of Danilo's 36 months salary as indicated in his life insurance coverage in case of death.
OWWA Insurance Benefit
Danilo's beneficiaries received from OWWA the maximum Php100,000 being his insurance coverage in case of death.
This is me telling you my story.
Company: The National Company for Cooperative Insurance
Location: Riyadh, Saudi Arabia
Diagnosed with Acute Myocardiac Infarction
Medical Insurance coverage: SR250,000 per annum
Life Insurance Coverage: 36 months of basic salary
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Early morning of December 10, 2006, I felt a pain in my left neck while applying body lotion after a morning shower. It was a cold day and I thought I would have a stiff neck (as usual during winter) the whole day.
Getting out of the bathroom and putting my clothes on in preparation to getting to work, my stiff neck became a stab-like pain in my back just opposite my heart. I thought it was a really cold day and so I asked my house mate to rub my back with vicks vaporub.
Suddenly, I started to sweat profusely and my hands became almost numb and too weak to hold anything. I realized that I wouldn’t be able to drive myself so I asked my house mate to call our neighbor to take me to the nearest hospital.
I had the feeling that I was having a heart attack, judging from my symptoms which I had read about from the Internet. I started coughing loudly (as recommended to a person having a heart attack) and managed to guide my driver-neighbor to the nearest hospital.
The emergency room was immediately filled with doctors and nurses in seconds. The attending doctor announced my condition: Acute Myocardiac Infarction. One nurse was yelling my blood pressure at 70 over 40 while another nurse yelled that my temperature was no more than 30 celsius. I heard the doctor instructing another nurse to administer morphine. The nurse’s face was contorted and she advised me to hang on. From her looks, I told myself I was dying.
With God's blessing, I survived the ordeal. I underwent angio-plasty surgery. The medical bill cost more than US$10,000, all paid for by my medical insurance. I was discharged from the hospital after 7 days with life-time prescription of medicine worth no less than Php500 daily. Without the medical insurance coverage, which OFW will survive spending at least the equivalent of Php15k per month?
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Both stories above tell you of one similarity: availment of medical insurance coverage in the country of work. While one succumbed to cancer, another lived to tell these stories. Both were recipients of a comprehensive medical insurance. I could have died without my medical insurance coverage. Both of us had the same life insurance policies. For the late Danilo, his beneficiaries were able to receive the much needed money in times of grief. With the payout, his beneficiaries have continued to live a normal life.
In contrast, there are many cases reported in the newspapers and media of OFWs who had died because they did not have the kind of insurance to cover the medical and hospital bills during confinement. Sad to say, these cases go on and on until today.
What must the OFW do? What must be done today? What is Alternative Insurance?
With an ordinary income, insurance premium if taken individually will cost too much for any OFW. Also, the benefits depend on how much premium is paid to the insurance company. Low premium means less benefit. More premiums paid mean more benefits.
If grouped together into a single policy, the premium cost decreases as the number of insured increases while retaining the same benefits for every member. This is called group insurance policy – a group of individuals duly insured in a single policy but having each insured receiving the same insurance benefit.
With this concept, the OFWs can group themselves together and apply for a group insurance policy. In the Philippines there are insurance companies which accept the concept of group insurance policy and insure a group of individuals with common benefits. If you cannot afford as OFW an individual insurance policy, try and get this group insurance with less premium yet with the same benefits if you were to pay for a single policy.
But why get another insurance policy? Is this not provided by the Overseas Worker Welfare Administration (OWWA)? What about Philippine Health Insurance Corporation (Philhealth)?
The Overseas Workers and Welfare Administration (OWWA) has never been an insurance company. It was a government agency formerly known as the Welfare and Training Fund for Overseas Workers created by law (presidential decree). Renamed as OWWA, it was expanded to provide for compulsory Medicare coverage which was later transferred to Philhealth, another agency created out of OWWA funds.
Originally envisioned by the government, OWWA imposes the US$25 contribution from the employer of every Filipino (the Overseas Filipino Worker or OFW) going out of the Philippines to work abroad. However, this amount has been shouldered by the OFWs because no foreign employer can be fooled to pay this mandatory fee to the Philippine government yearly or every contract renewal of the OFW.
The US$25 constitutes the fund which in the original omnibus policy shall be used exclusively for the benefit of the OFW. The fund has grown into hundreds of millions of pesos according to the latest claim by several NGOs notably Migrante International.
One of the objectives of OWWA reads: To provide social and welfare services to OFWs, including insurance, social, work assistance, legal assistance, cultural services, and remittance services. Its quality policy says: OWWA measures its worth by total member-OFW satisfaction with timely interventions and quality standards set forth.
While insurance is one of OWWA's objectives, it has never been properly administered and the benefits have never been paid consistently by its management. There isn’t any OFW who can unconditionally claim being satisfied with the services provided by OWWA.
Let’s take the case of a very recent tragic incident.
Eugenia Baja’s death and much-delayed repatriation of remains were featured in the media and leading newspapers in June 2008. Reading this kind of news always breaks my heart -- not so much the sad story of the death of Baja but the delayed repatriation of her remains. Let's face it, death in whatever form – tragic or natural - is inevitable.
1. Lilibeth Baja-Garcia followed up the repatriation of her sister’s remains with the
2. When Garcia felt that her pleas were being ignored, she brought along representatives
3. ...because of the presence of media, OWWA officials immediately promised to give them
In her own words, Garcia summarized it: “Nag-iiba sila kapag may kasama kang media. Samantalang dati pinabalik-balik pa nila ako."
And do we have to add political color in the midst of grief?
4. …through the help of Migrante International, an organization of OFWs and their families,
What’s the real score?
We cannot change OWWA - how it is managed the way we would like it to be managed. It is not an insurance company that can invest the premiums collected in order to sustain claims when due. Because it is not an insurance company, OWWA cannot issue an insurance policy. Thus, the payment of benefits can be subjected to discretion by any OWWA personnel. This has been proven many times and only corrected (if ever) when exposed to media scrutiny.
With alternative insurance, OFWs will be assured of a well-managed, competitive premium payment, on one hand, and the insurance benefits consistently and uniformly applied to all members unlike with OWWA.
Worldwide Insurance
What is worldwide insurance? How is this made possible? How can the ordinary OFW be assured that his alternative insurance will have a worldwide coverage?
In every insurance contract, a premium is paid for by the insured to cover a certain risk which is assumed by the insurer. The premium, as we know of, is way below the assumed risk. The best example here is the OWWA contribution of US$25 (premium) with a return maximum claim (assumed risk) of Php100,000 in the event of death by the insured OFW.
In the case of OWWA, the individual contribution of US$25 is deposited in any accredited bank inside the Philippine territory and is expected to grow into millions what with contributions pouring in from millions of OFWs every year.
With this system, the funds remain inside the Philippine territory and the assumed risk is totally absorbed by OWWA itself. In the event of a catastrophe, this system will not be able to sustain a very large loss of the OFW population.
So how do you make the US$25 get a worldwide coverage?
If managed by a private insurance company, part of the US$25 would be paid as re-insurance premium to an insurance broker with worldwide acceptance among the leading re-insurers outside the Philippines. This is called re-insurance contract.
The concept of re-insurance is to spread the risk so that in the event of a claim, every member of the re-insurance contract will have to share the burden of claims payment. In a very competitive insurance market, we can expect any local insurance company to provide the best and most efficient management of claims applied for by the beneficiaries.
In the US, every citizen is encouraged to buy medical insurance coverage. Most often than not, hospitals do not accept payment in cash but prefer medical insurance to cover patient's hospital bills. Cash is accepted to pay for hospital service that is not covered by the medical insurance. For added premium, repatriation of remains is included in the coverage.
In Saudi Arabia, the government has made it compulsory for all employers to provide free medical health insurance coverage to all employees effective 2005. This compulsory medical insurance covers Saudis and Non-Saudis; thus, making this country the leader in terms of providing free medical insurance to its workforce in the Middle East. Lucky employees are provided an additional free life insurance coverage by large companies.
If such worldwide insurance coverage is possible in countries like Saudi Arabia, it is also possible to have this kind of insurance coverage in the Philippines.
What is Alternative Insurance with worldwide coverage?
An alternative insurance coverage is another insurance premium paid for by the OFW to secure insurance coverage both for himself/herself and family. The benefit is worldwide and covers OFW repatriation (dead or alive). It will include the medical health benefits of the family in the Philippines during the tenure of the OFW working overseas. After the long sojourn, the OFW may opt to continue the coverage while re-integrating himself/herself and may have the option to terminate the insurance coverage at any point in time.
Before working overseas, an OFW should buy this special kind of insurance so that in the event of death or when incapacitated, it is the insurance company that will work toward the fulfillment of the claim applied for by the OFW or the beneficiary.
In the Philippines, there is an actuarial study (feasibility study) being conducted by one of the biggest insurance companies providing this kind of alternative insurance cover for OFWs. The study is considering payment of affordable premium similar to the payment of US$25 while the benefits triple or quadruple the benefits you get from OWWA.
If this alternative insurance cover is realized, OWWA's term will have to end and instead a more responsive and competitive insurance scheme will take place. OFWs will embrace the alternative insurance. NGOs will request the government to discontinue the existence of OWWA.
With the alternative insurance, OFWs wherever they may be deployed, will have the comforting thought that come what may, during their tenure in their country of work, their loved ones left in the Philippines will be supported financially.
Unlike with Eugenia Baja's remains that had to wait for political and financial patronage in order to be repatriated, beneficiaries of a worldwide insurance coverage only need to submit the required documentation by the insurance company located in the Philippines and wait for the OFW’s remains to be delivered at the beneficiary's doorstep.
And unlike with OWWA, the beneficiaries need not beg. They need not wait for three months or more. They need not go to the Department of Foreign Affairs for assistance. They need not employ tactics like contacting media to get the attention of the government authorities.
Copyright © 2008 to Barangay OFW. All rights reserved.
Wednesday, July 23, 2008
How Do You Solve A Problem Like Maria?
Then one day she fell mysteriously ill. What started as a suspicion that she inhaled too much cotton dust from cutting fabric ended with a much deeper malaise, diagnosed six months after a cough that wouldn’t go away. She had contracted the HIV/AIDs virus.
She was promptly thrown out of her home that she helped build and sustain through eight years of monthly remittances. Her husband remarried and her children put her in a government hospital that has since become her home. Along with other patients, like her usually migrant returnees, she is hidden from view, a secret scourge that society has wished away into non-existence.
Maria’s mini-narrative mirrors the vulnerabilities that somehow disappear in the reckoning of advantages to both labor-sending and labor-receiving countries. Remittances and strong labor demand remain at the top of a list of economic justifications for why governments would adopt, however unofficially, the export of labor as government policy.
Yet it is also a central feature of the global labor market that the majority of foreign workers are young able-bodied women, hardly equipped with the socio-cultural-psychological resources to navigate the complexities of the global marketplace. Like Maria, many of them fall through the global cracks. Those who suffer from extreme misfortune plunge into a deep dark hole, unable to redeem themselves.
Some countries have stepped up to the plate, however. Sri Lanka, for one, has negotiated bilateral agreements with a Jordanian insurance company to provide cover for all Sri Lankan domestic workers. The costs borne by Jordanian employers are reflected in model contracts that embody all contractual obligations between employer and employee. Similar arrangements are currently being worked out with the Kuwaiti government.
Recently Thailand entered into bilateral agreements with Cambodia, Laos and Myanmar to manage the logistical arrangements involving 50,000 to 100,000 guest workers. This move aims to curb illegal migration through registration, and provide better monitoring and surveillance of cross-border migration. Such agreements are however silent on migrant labor’s rights or social protection measures available to them.
Singapore’s open admission that its continuing viability as a city-state hinges on constant labor importation translates into a series of policy and programmatic interventions to entice foreign workers to join the Singaporean workforce at all levels. Training for skills upgrading is an option to domestic helpers who can acquire a diploma as a nursing aide.
At the high-end of the labor market, Singapore allows professionals to apply for permanent resident status within three months, a recognition of their worth to the Singaporean economy, and a policy move to retain professional labor.
Most labor-sending countries like Pakistan, Sri Lanka and the Philippines require pre-departure training for migrants, provide protection shelters for migrant workers in designated countries, and have institutionalized an overseas welfare fund to provide insurance benefits to workers and their families in case of death, repatriation, partial and total disablement. Membership in these funds is mandatory; hence migrant workers are automatically covered even before they have left for their work destinations.
Maria’s predicament, however, remains unresolved. Current social insurance schemes miss out on various other contingencies that afflict migrant workers the world over. The majority of complaints center on issues of non-payment of salaries, breach of contract, onerous conditions of work and cultural adjustment problems.
For those fortunate ones whose migration experience was all-around trouble-free, their return home is a tale of sudden insecurity. They have provided for everyone but themselves, accumulated no savings, despite long careers overseas. A long line of children, nephews and nieces would have grown up and been educated on remittance money, the family home refurbished, the land title fully secured and paid for, the sari-sari (convenience) store abundantly stocked with monthly shipments of goodies.
But the migrant worker returns home with only a suitcase of clothes and perhaps a television set purchased at the duty free shop in Dubai. Relatives teeming at the airport await a final dole-out of leftover cash. The migrant worker’s first day at home is a wash-out.
To date, there is no pension or forced savings scheme for migrants. For while countries with aging populations worry about the availability and longevity of social security funds and depend on migrant caregivers, there is little thought given to migrant workers’ desires to retire from overseas work someday. Yes, Virginia, migrants become old too.
Perhaps these additional social costs should be factored in when charting supply and demand curves in the global labor market equation. More pointedly, time has come to put more balls in migration governance.
Friday, July 11, 2008
Key OFW Issues and Proposed Reforms
by Mark Serrano
As if living in strange lands -- far away from home and their loved ones -- is not hard enough, OFWs have to deal with the challenges imposed upon them by their own government and people.
OFW horror stories emanate from POEA, OWWA, Immigration and Customs at the airport, and the recruitment agencies back home. The supposed "heroes" are actually "martyrs" in their homeland, subject to the opportunism and ill treatment from their fellow Filipinos.
Barangay OFW has come together to bring to the forefront these key issues. It has also taken the pro-active stance to propose reforms in a holistic manner.
In one document, Barangay OFW would like to share the collective experiences, thoughts, desires and bright ideas of OFWs from all corners of the globe with the Philippine government, the Filipino nation and the rest of the world.
This is a tiny step toward, “Reforming the Present, Creating the Future.”
Indifference has been the ally of oppression; conviction its antidote. Fellow OFWs past, present, and future, if we all make a stand and take a tiny step forward today, we shall soon claim the magnificent destiny we all deserve. Mabuhay!
Copyright © 2008 to Barangay OFW. All rights reserved.