04 Mar 2025
Finding a job and building a life in another country is not without obstacles, but protecting your financial plans to send money to Philippines from Romania doesn’t have to be one of them. To the 1,500 Filipinos living and working in Romania, learning about the country’s social security system may mean the difference between security and instability. When it comes to social security, Romanians and expats alike receive significant assistance in such areas as healthcare, jobless benefits, or pension preparations.
Given that many Filipinos are coming to Romania for better job prospects, it is essential to learn about the Romanian social security system and how one can benefit from it. This time, we will take a closer look at the essentials of Romanian social security benefits for Filipinos, ways to get the most out of them, and ways to ensure your financial stability in this country.
Basic to the understanding of Romania's social security scheme is the fact that this country has designed a social security system that will offer various forms of assistance to citizens of this country and other legal residents, including Filipino workers. This system is paid through payroll contributions both by the employees and the employers, and among its areas of cover include health, unemployment, and pension. Understanding these contributions and benefits is crucial for Filipino workers to fully leverage their rights and ensure their well-being while working in Romania.
The Romanian social security system consists of several key components:
Romania offers healthcare services to each one of its citizens. Generally, if you’re under the social security system, then you are eligible for medical services, hospital treatment, and prescription drugs.
The pension provision is modeled to provide long-term support for send money from Romania to Philippines back home. Earnings throughout your working years put you in a position to qualify for a pension whenever you are done working.
In Romania, if you find yourself out of work, there are state benefits entitled to unemployment benefits that allow one to be paid while they look for other employment.
All the mentioned benefits are provided for working parents who can help financially during maternity leave and assist with children.
It is vivid and very true that Romanians enjoy an extensive social security status to guarantee the human capital and their families. Just like Romanian citizens, Filipinos, as legal foreign residents, can also take advantage of this system.
As for the Filipinos working in Romania, the correct decision is to apply to the social security system. Here are the details below:
You have to be legal in Romania with a work permit if you are to qualify for social security.
Your employer is supposed to register you with the National Agency for Employment and check the amount of social security that is being withheld from your wage.
After registration, you get a social security number through which you can access all the benefits within the system.
As you will agree, it is crucial to confirm whether the employer has signed you up in the system since this affords you healthcare and other basic services to save more to send money online to Philippines from Romania.
Contribution is one of the key features of Romanian social security, and thus, it should be understood. Another feature of the sponsored plan is that both employees and employers make contributions in the form of a part of the salary. These donations are filed under various groups to ensure that such money will be used for pensions, health, and unemployment.
As of 2024, the standard contribution rates for social security in Romania are:
From gross salary, 25% is remitted, primarily to pay pension funds.
An amount equal to 25% of the gross salary, which includes a contribution to unemployment, health, and workmen compensation funds.
These are payroll deductions, meaning that they are made from your monthly salary. This means that you keep accruing the years of service you need for benefits such as health care and pensions.
The greatest factor that determines the allocation of these benefits within Romania is when the client makes informed decisions. Here are some tips for Filipinos:
Make sure that your employer is contributing as frequently as he or she is supposed to contribute. Maintenance of such records enables one to avoid instances of ineligibility in contribution as LAW states.
By all means, make the most of the Romanian healthcare system for general practitioners, specific consultations, and hospitalization. Preventive care means that by going for check-ups now, you would avoid being dealt a major blow in the future and can save the amount to send money to the Philippines online from Romania.
If you intend to stay in Romania for a long time to build a career and, therefore, want a comfortable retirement, then being a constant contributor to the pension system is your best shot at it. On the other hand, if you intend to go back to the Philippines, you should ask about the transfer of pension benefits.
Although there is much that is precisely available through the Romanian social security system, there are problems that may be faced by Filipinos. It is when you understand these challenges and how to avoid them that you’ll secure your financial future.
To the majority of Filipinos, language remains one of the most formidable hindrances to the practical application of the Romanian social security system. Most documents and correspondence are usually in Romanian, and this can sometimes present a problem for the company.
For one’s convenience, try consulting with the nearby support services associations or Filipino groups that mainly help with matters legal and financial. On the same note, working with a bilingual financial advisor is easy.
If Filipinos who now reside in other countries consider coming back home, they are usually worried about whether they can still transfer or even access their social security benefits.
At the moment, there is no bilateral social security agreement between Romania and the Philippines, but you may qualify for some pensions for making a money transfer from Romania to the Philippines if you retire to Romania. Any person intending to go back to the Philippines or should seek further advice from Romanian authorities regarding such entitlements.
Knowledge of Romania’s SSA is weaved with themes of pleasure and desire, a formidable element. That is why comprehension of the mechanisms of Romaniä's social stability is essential for a demand for a program that guarantees financial security for Filipinos in the future. The health care, pensions, and unemployment benefits that can be received can help one feel secure financially during some of the most challenging economic times. This way, you are always updated and can ensure that your contributions are made regularly, hence protecting your future as well as that of your families.
If you're a Filipino living in Romania, here are some immediate steps you can take:
If you haven't registered yet, you should contact your employer or go to the office of the National Agency for Employment.
Check whether your employer deducts the correct amount from your salary and track your contributions for retirement benefits and healthcare insurance.
If you have any doubts about your social security situation or entitlements, contact a financial planner and/or local expatriates’ organizations for more advice. At ACE Money Transfer, we know how it feels to live in a foreign country and the stress that financial difficulties can bring about. Our money transfer service is so secure and efficient that losing your native money is no longer a big deal because your family in the Philippines is financially taken care of.
Having a social security number is very beneficial when planning for your future for making an online money transfer from Romania to Philippines. Whether you live in another country, it is essential to have some understanding of how social security benefits work. To the Filipinos living in Romania, knowing the proper direction and right process in the application of the Social Security System where you belong is one of the most essential things that can help you to get better healthcare, retirement benefits, and lots of other services. Most people do not worry about their future financial standing as a result of failure to implement today’s solutions.
Join Romania’s social security program today and also keep in touch with your families back home via ACE Money Transfer. By choosing our company, you can be sure about your family’s fast, secure, and reliable services.
It’s possible to apply through an employer who submits the candidate to the National Agency for Employment.
They get the right to medical care, pensions, unemployment payments, and maternity allowance.
Indeed, both the employees and employers do pay; the employee’s contribution is equal to 25% of his salary.
Social security benefits cannot usually be exchanged due to the absence of a bilateral treaty.
Some issues include language and dealing with excessive paperwork, but there are regional associations to turn to.
