SOCIAL AND COMMUNITY PROGRAMS
MORTUARY AID PROGRAM
The Mortuary Aid Program aims to further enhance the spirit of cooperativism among the members through the provision of some financial assistance to all the members during the period of grief within the family.
All members are required to enroll in this program of the cooperative.
Two (2) different forms are designed to be filled up upon membership: Form 1 is the 2 principal beneficiaries who will receive the benefit in case of death of the member. Form 2 is for the extended beneficiaries or those individuals who are non-members which the members would like to help in case of death. Extended beneficiaries may be family members or other relatives.
All Regular Members with a share capital of P 5,000.00 and above are required to enroll in this program. A member must be at least 3 months member of the Cooperative in order to quality for a claim. A member is required to open a Mortuary Savings Account with initial deposit of P 1,000.00 as initial fund balance. The Mortuary savings account will earn an interest of 2% per annum provided that the account has P 1,000.00 pesos outstanding balance.
If fund is exhausted, members will be notified for replenishment of the fund. An amount short of the maintaining balance of P 1,000.00 will be deducted from the claims to replenish the Mortuary Fund of the Member. Replenishment can also be deducted from the dividends, patronage refund and applied loads.
Principal Beneficiaries
These are the beneficiaries who will receive the benefit in case of DEATH OF MEMBER. A member shall write two (2) Princial Beneficiaries in the form provided for that purpose. Principal Beneficiaries can be replaced. A member will only fill up a new form provided for that purpose.
Cash Benefit
The amount of benefit to be claimed shall be based on the length of membership, share capital contribution and Mortuary Savings Account balance of the member.
Principal Beneficiaries
Extended Beneficiaries
A member shall only write five (5) Extended Beneficiaries in the form provided for that purpose. No addition or replacement of the extended beneficiaries shall be allowed after submission and approval of the form. In time one of the five (5) dies, no replacement shall be allowed. Only Extended Beneficiaries who become a REGULAR MEMBER of the Cooperative can be replaced.
It shall not be the responsibility of the Management Staff in cases of the same extended beneficiaries listed by two (2) or more cooperative members. Withdrawal or termination of membership or death of the member automatically terminates all benefits of his/he Extended Beneficiaries.
In case withdrawn members reinstate its membership in the cooperative, his/her extended beneficiaries previously submitted shall remain.
Claim Benefit
Death Benefit shall be claimed within thirty (30) days from the date of death otherwise the office reserves the right to forfeit the said benefit.
REQUIRED DOCUMENTS
Principal Beneficiaries
- Mortuary Claim Application Form
- Clear photocopy of Death Certificate of member
- Photocopy of Burial Permit / Original copy of Barangay Certification of Death
- Valid Identification of Principal Beneficiaries
Extended Beneficiaries
- Mortuary Claim Application Form
- Clear photocopy of Death Certificate of member
- Photocopy of Burial Permit / Original copy of Barangay Certification of Death
If a member is found to be delinquent in the payment of his/her loan accounts, delinquent loans shall be deducted from the benefit and the remaining amount will be given to the beneficiary/ies.
In the case of the same extended beneficiaries listed by two (2) or more members, when the listed beneficiaries dies, claims shall only made once.
The death benefit of the extended beneficiaries shall be given to his / her immediate family member.
HOSPITALIZATION ASSISTANCE PROGRAM
The general principle of this program is to provide Hospitalization assistance to a Member in Good Standing that has bee hospitalized for more than 60 hours. To strengthen membership solidarity by providing financial assistance to members when afflicted by sickness.
The Hospitalization Assistance program covers to Members in Good Standing.
Upon membership, a member is required to pay one thousand (P 1,000.00) as initial fund balance. If fund is exhausted, members will be notified for replenishment of the fund. Replenishment can also be deducted from the dividends, patronage refund and applied loans.
Cash Benefit of the program shall be based on the length of membership and share capital of the member. The amount of contribution of each member will be computed dependent on the number of active members of the preceding month upon the hospitalization of the member. The determined amount of contribution will be deducted from each active member.
In excess of the maximum claimable amount a review of the point matrix will be done. In effect, the contribution per member shall be lesser.
REQUIRED DOCUMENTS
- Discharge Record from the Hospital indicating the date admitted and date discharge
- For out-patient claims – Doctor’s Referral
Eligibility of Claimant
- Has been admitted for more than 60 hours
- Direct transfer between hospitals will be considered but still subject to number of hours hospitalized in both hospitals.
- Must be a member for at least three (3) months
- Claiming of benefits must be within one month after the date of discharge
- Frequency of claim is once in every two (2) years
- Outpatient for Chemotheraphy and Dialysis procedures are allowed as well as physical Therapy due to injury or sickness.
- Aesthetic plastic surgery procedure will not be considered even if member-patient is hospitalized.
- Must not be delinquent in payment of loans and must not be a co-maker to a delinquent loan account.
- Hospitalization fund balance must not below P 500.00.
- To be claimed by the member only. However, if the member is proven to be unable to personally appear to the office for the claim, authorization may be accepted provided, the following requirements are met. (Authorization letter, photocopy of valid id of member and authorized representative)
GENDER EQUALITY ADVOCACY
Gender Equality Resource Service – advocating gender sensitivity and awareness of men and women’s rights and capabilities as members of the cooperative and as individuals. It provides trainings and seminars on leadership and other GE related activities.
SOCIAL RESPONSIBILITY FOR THE ENVIRONMENT AND THE COMMUNITY
- Tree Planting and re-greening programs
- Use of Ecobag at Coopmart
- Clean-up Drives
- Outreach programs – school children, persons deprived of liberty
- Feeding programs
MICROFINANCE PROGRAM
The ADTEMPCO Microfinance Program was conceptualized to combat poverty by providing allied financial and non-financial services to the marginalized sectors of the community. It adopts the concept of an enabling, and bottoms-up tool to address poverty alleviation efforts that has provided considerable economics and non-economic benefits to low income households in the province as well as in the region. This is to operationalize the noble mission and vision of ADTEMPCO to cater the needs of the poor. Thus, there was a policy in redirection on membership to allow associate members to have access to our Microfinance Program. It was started in February 2010 piloting in some barangays of Bangued and Tayum. ADTEMPCO aimed to provide the members a capital through minimal interest loans to help them start a business or additional capital for those who have an existing business but lacks the capacity to enlarge it.
ENVIRONMENTAL PROTECTION ADVOCACY
ADOPT AN ESTERO PROGRAM
In line with its commitment of the environment, ADTEMPCO regularly joins the National Cleanup Week initiated by the government. In partnership with the Department of Environment and Natural Resources (DENR) and the local government unit of Bangued, the Adopt an Estero program became a regular activity. A creek in Zone 4, Bangued Abra where the head office is located is the subject of the cleanup drive to remove the accumulated debris. This is to ensure that the waterways and its surrounding areas are clean and will not be prone to clogging and possible flooding.
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