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RNG Bank Salary Loan Table for DepEd Teachers

Salary Loan Table - RNG Coastal Bank RNG Bank offers salary loan for permanent DepEd teaching and non-teaching staff thru Automatic Payroll Deduction System (APDS). Features: 📍LOW INTEREST RATE 📍LOAN AMOUNT UP TO 500,000 📍5 YEARS MAXIMUM LOAN TERM 📍NO HIDDEN CHARGES 📍NO NEED TO GO TO THE OFFICE A Bank that is built with trust and integrity and committed to provide quality and safe banking services to its existing and future clients, RNG Coastal Bank, Inc . is a banking institution established in the year 1974. The Bank has 15 operating branches in the Visayas, 11 in Cebu and 4 in Bohol. Providing various financial products and services to its clients for almost 50 years, RNG Coastal Bank remains strong and continuously grows its number of branches to reach more Filipinos. Here are the branches of RNG Coastal Bank: RNG Coastal Bank Head Office Cor. Cabancalan Road, Talamban, Cebu City 6000 Labangon Branch Punta Princesa, (Labangon) Cebu City Asturias Branch Poblacion, Asturias, Ce...
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🛑 Who Are NOT Entitled to DepEd Medical Allowance in 2025? 🤔 A Crucial Guide for Public Sector Workers

In 2025, the Department of Education (DepEd) continues its efforts to support its personnel’s well-being by granting a medical allowance of up to ₱7,000. However, not everyone qualifies. If you're unsure whether you or someone you know is eligible for the DepEd medical allowance, this guide is your go-to resource. We'll explore who are not entitled and why—helping you avoid confusion and prevent unnecessary claims.

🚫 Excluded from the DepEd Medical Allowance: Who’s Not Covered?

Understanding eligibility for government benefits is crucial, especially when it comes to health and financial support. According to the Department of Budget and Management (DBM) Circular No. 2024-6 and Executive Order No. 64, s. 2024, the following groups are explicitly excluded from receiving the DepEd medical allowance. Let’s dig deeper into these categories to understand why they fall outside the coverage.

🧑‍💼 1. Those Without Employer-Employee Relationship 📋

One of the core criteria for receiving this allowance is having a formal employment status. Personnel hired under non-Personnel Services (PS) budgets are automatically disqualified. This includes:

  • Consultants and contractual experts hired for short-term projects or specific outputs.

  • Student laborers and apprentices, who are often still under academic programs or training schemes.

  • Workers engaged under Contracts of Service (CoS) or Job Orders (JOs), as these do not establish a regular employer-employee relationship.

As per the Civil Service Commission's guidelines, only personnel with formal appointments and PS-funded positions qualify for government benefits such as the medical allowance.

🩺 2. Those Already Covered by HMO-Based Benefits 🏥

Officials and employees who are already benefiting from health maintenance organization (HMO) packages through special laws are excluded. The rationale behind this is simple: double-dipping is not allowed under public fund policies.

According to the Department of Health (DOH), medical subsidies aim to fill health coverage gaps, not to supplement those already fully covered by premium HMO plans.

🔄 3. Transferees Who Already Claimed From Previous Agencies 🔁

If you transferred to DepEd within the same calendar year and were already granted a medical allowance by your former agency, you're no longer eligible to receive another one from DepEd. This is a one-claim-per-year policy designed to prevent duplication of benefits, as reinforced by inter-agency HR circulars.

🏛️ 4. LGU-Funded Personnel Assigned to DepEd 🏫

Those whose salary is paid by Local Government Units (LGUs), even if they are physically reporting to DepEd, are not covered under DepEd’s medical fund. Instead, their respective LGUs are responsible for any medical subsidies.

This delineation of responsibility is based on the Decentralization Act and LGU Code, as confirmed by DBM's interagency memos.

⚖️ 5. Personnel With Final Administrative or Criminal Guilt ⚠️

Employees who are found guilty of administrative or criminal charges are ineligible to receive medical allowances in the year their case is resolved. Even worse, if they have already received the allowance earlier that year, they are required to return it.

This aligns with civil service accountability measures, ensuring that only personnel in good standing enjoy government-subsidized benefits.

📚 6. Study Leave or Scholarship Grantees with Less Than 6 Months of Service 📆

Personnel on study leave with pay or scholarship grants, either locally or abroad, are not entitled to the medical allowance if they don’t complete at least 6 months of service within the same year.

However, those who render six months of service, including approved leave periods, before or after their grant period, may qualify, as clarified in the DepEd’s updated internal guidelines.

💡 Why Knowing These Guidelines Matters

Being informed about who is excluded from the DepEd medical allowance isn't just a technicality. It helps avoid wasted paperwork, delays in claims, and even legal complications. As public funds come under increasing scrutiny, DepEd employees must know the rules that govern benefits and comply with them.

🎯 Final Word: Check Before You Claim

To prevent disappointment or the need for refunds, always verify your employment status, service duration, and benefit history before applying for the DepEd medical allowance. Stay compliant, stay informed, and share this guide to help fellow educators and government personnel understand their entitlements clearly.

Read: ✅ Who Are Eligible for DepEd Medical Allowance in 2025? 💊📋 The Hidden Perks for Committed Public Servants

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