Government service insurance system

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Government Service Insurance System The Government Service Insurance System (Filipino: Paseguruhan ng mga Naglilingkod sa Pamahalaan, abbreviated as GSIS) is a government owned and controlled corporation (GOCC) of the Philippines. Created by Commonwealth Act No. 186 passed on November 14, 1936, the GSIS is mandated to provide and administer the following social security benefits for government employees: compulsory life insurance, optional life insurance, retirement benefits, disability benefits for work- related contingencies and death benefits. In addition, the GSIS is entrusted with the administration of the General Insurance Fund by virtue of RA656 of the Property Insurance Law. It provides insurance coverage to assets and properties which have government insurable interests. Legislation[ edit ] Coverage[ edit ] The GSIS covers all government workers irrespective of their employment status, except employees who have separate retirement schemes under special laws, to wit: Members of the Judiciary and Constitutional Commissions Contractual employees who have no employee-employer relationship with their agencies Uniformed members of the Armed Forces of the Philippines, and the Philippine National Police, including the Bureau of Jail Management and Penology, and the Bureau of Fire Protection. Benefits and services[ edit ] The principal benefit package of the GSIS consists of compulsory and optional life insurance, retirement, separation and employee's compensation. Active GSIS members are entitled to the following loan privileges: salary, policy, emergency and housing loans. Organizational structure[ edit ] The governing and policy-making body of the GSIS is the Board of Trustees, the members of which are appointed by the President of the Philippines. The GSIS workforce consists of 3,104 employees, 52% of whom are in the Head Office while the remaining 48% are in the Branches. To date, there are 40 branches and 78 satellite offices nationwide. It is envisioned that the System's service network will continue to increase as the institution is committed to provide branch offices in every province where there exists a minimum of 15,000 active members.

Transcript of Government service insurance system

Page 1: Government service insurance system

Government Service Insurance System The Government Service Insurance System (Filipino: Paseguruhan ng mga Naglilingkod sa

Pamahalaan, abbreviated as GSIS) is a government owned and controlled corporation (GOCC) of

the Philippines. Created by Commonwealth Act No. 186 passed on November 14, 1936, the GSIS is

mandated to provide and administer the following social security benefits for government emplo yees:

compulsory life insurance, optional life insurance, retirement benefits, disability benefits for work-

related contingencies and death benefits. In addition, the GSIS is entrusted with the administration of

the General Insurance Fund by virtue of RA656 of the Property Insurance Law. It provides insurance

coverage to assets and properties which have government insurable interests.

Legislation[edit]

Coverage[edit]

The GSIS covers all government workers irrespective of their employment status, except employees

who have separate retirement schemes under special laws, to wit:

Members of the Judiciary and Constitutional Commissions

Contractual employees who have no employee-employer relationship with their agencies

Uniformed members of the Armed Forces of the Philippines, and the Philippine National Police,

including the Bureau of Jail Management and Penology, and the Bureau of Fire Protection.

Benefits and services[edit]

The principal benefit package of the GSIS consists of compulsory and optional life insurance,

retirement, separation and employee's compensation.

Active GSIS members are entitled to the following loan privileges: salary, policy, emergency and

housing loans.

Organizational structure[edit]

The governing and policy-making body of the GSIS is the Board of Trustees, the members of which

are appointed by the President of the Philippines.

The GSIS workforce consists of 3,104 employees, 52% of whom are in the Head Office while the

remaining 48% are in the Branches. To date, there are 40 branches and 78 satellite offices

nationwide. It is envisioned that the System's service network will continue to increase as the

institution is committed to provide branch offices in every province where there exists a minimum of

15,000 active members.

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Old GSIS Headquarters Building[edit]

The Government Service Insurance System Building, built in 1952 in Arroceros (near SM Manila, the

previous location of the YMCA Building) was one of the first of the new buildings programmed for the

New Republic to be completed. Designed by Federico Ilustre, the structure's character stand at the

intersection between neoclassical and modern aesthetics. As a transitional style for government

architecture, its façade generated a series of ascending fluted pillars that had neither bases nor

capitals to express a stripped and simplified modern stye, yet, at the same time, it has the character

of classical massings and proportions. The corner of the building had been rounded, forming a

corner tower with three vertical bays of windows ascending from the entrance canopy. To the left of

this corner tower, a flat wall was fenestrated with vertical louvers and pierced screen insets. The

elevation in the other corner was defined by horizontal bands of windows and concrete planes. [1]

The GSIS building used to house the main office of the then Ministry of Education, Culture and

Sports, and of the Office of the Ombudsman. Some of its outer rooms currently house the office of

city election officers and several branches of the metropolitan trial court. [2]

This heritage building,right behind Manila City Hall is being targeted next fo r demolition and in clear

violation of the law on heritage. The owners have been asked by Manila City Hall when they were

going to demolish this Federico Ilustre landmark. [3]

Coconut Manila had asked James Jao, the architect and London School of Economics-trained urban

planner on the plan for rescuing the built heritage structure. "This building can be gentrified into a

mixed-use development. By retaining the existing structure, it can be the podium of a high-rise

building behind including an atrium... The existing GSIS Building can host upscale retail shops and

some restaurants, with a lobby/reception on one side for the hotel or condominium (office or

residential). This approach can complement the existing SM City mall. An underground walkway can

connect both the GSIS and SM," he responded. [4]

Computerization[edit]

Database crash[edit]

On April 2 and May 11, the GSIS Integrated Loans, Membership, Acquired Assets and Accounts

Management System (ILMAAAMS) went into a database crash, causing the agency to incur a

backlog in its processing of claims and loan applications. The GSIS filed on June 1, 2011, a P100-

million damage suit against the IBM Philippines and its parent firm, as well as contractor Questronix

Corp. for supplying defective database software that led to the computer crash.[5]

UMID[edit]

The GSIS was the first government agency in the Philippines to adopt the Unified Multi-Purpose

ID System, "which aims to streamline and harmonize the identification systems of all government

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agencies and government-owned and controlled corporations through the use of a unified multi-

purpose ID".[6] On August 16, 2011, the GSIS announced that enrollment for the eCard has reached

its one million mark.[6]

Investments[edit]

On January 25, 2008, GSIS President and General Manager Winston F. Garcia announced "that it

will be investing a total of $5 billion in fixed income, equities and properties [in the Philippines] and

abroad ... initially investing $1 billion this year in global markets, and another $1 billion locally". [7]

Life Insurance Print this Page

One of the many benefits of being a GSIS member is life insurance. GSIS gives you and your loved ones that much needed peace of mind. GSIS has two insurance programs available:

Enhanced Life Policy

The GSIS provides life insurance coverage to you, GSIS member, even the very first day you entered government service after receipt of payment of the 1st monthly premium.

If you entered the government service after July 31, 2003, you are automatically covered with an Enhanced Life Policy (ELP). Members whose policies have matured will a lso be covered by the ELP.

Life Endowment Policy

As a GSIS member, you automatically enjoy life insurance benefits, providing protection for you and your loved ones. If you entered the service prior to August 1, 2003, you are entitled to the Life Endowment Policy (LEP).

LEP also provides coverage against death whether due to natural or accidental causes, permanent total disability and other benefits upon maturity or separation from the service.

Apart from the superior life insurance packages these programs offer, policy holders can also avail of policy loan.

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Policy Loan

Policy loan is a loan program which you can avail from your GSIS life insurance policy. The unique features of the Policy Loan are: (a) payment is not mandatory (unlike other GSIS loan products) and (b) it is renewable every year.

Retirement Programs Print this Page

You have spent years working for the government. GSIS ensures that you are sufficiently rewarded when you finally decide to take that big step towards retirement.

The GSIS offers various retirement programs depending on the qualifications of the member. GSIS has retirement packages generally acknowledged to be one of the most generous in the country-ensuring financial freedom for its members, especially after they leave the service.

Retirement Under RA 8291

Five-year lump sum or cash payment with instant pension-choose your personal reward.

Retirement under Republic Act 660

Also called "Magic 87", this option provides both annuity and lifetime pension.

Retirement under Republic Act 1616

Refund your GSIS premiums with this "take-all" option at the same time get gratuity payment from your employer.

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Portability Law (RA 7699)

Combine your GSIS and SSS creditable years of service to qualify for retirement program offered by both pension funds.

Retirement under Presidential Decree 1146

Only those who have been in government service after May 31, 1977 but before June 24, 1997 can avail of this retirement program. Retirement under PD 1146 gives you a choice between a Basic Monthly Pension (BMP) an d Cash Payment.

Disability Print this Page

Disability benefits are benefits granted to a member due to the loss or reduction in earning capacity caused by a loss or impairment of the normal functions of the employee's physical and/or mental faculties as a result of an injury or disease.

The loss in earning capacity shall be determined on the basis of the following: 1. The employee's actual loss of income from the usual occupation 2. The capacity to engage in any other gainful occupation because of impairment A disability may either be: Permanent Total Permanent Partial Temporary Total Injuries resulting in any of the following are deemed Permanent Total Disability (PTD) a. Complete loss of sight of both eyes b. Loss of two limbs at one or above the ankle or wrist c. Permanent complete paralysis of two limbs d. Brain injury resulting in incurable imbecility, insanity or other irreversible conditions

The benefits for Partial Total Disability are as follows. 1. If the member is in the service with less than 15 years of service, benefit can be either: a. Basic Monthly Pension 2. If the member is in the service with at least 15 years of service, benefit can be either: a. Basic Monthly Pension b. Cash payment of 18 times the Basic Monthly Pension

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3. If the member is separated from service with 36 monthly contributions within the 5 -year period immediately preceding PTD, benefit can be either: a. Basic Monthly Pension 4. If the member is separated from service with 180 monthly contributions prior to PTD, benefit can be either: a. Basic Monthly Pension 5. If the member has at least 3 years service with contributions, but PTD occurs 5 years after separation from the service, benefit is: Cash payment equal to 100% of AMC X Service (but not less than P12,000) payable immediately. No more separation benefit shall be paid in the future. Injuries resulting in any of the following are deemed Permanent Partial Disability (PPD) Complete and permanent loss of the use of: any one finger, any toe, one arm, one hand, one foot, one leg, one or both ears, sight of one eye or such other cases as may be determined by the System The benefits for Permanent Partial Disability are as follows: 1. If member is in the service, benefit is: Cash payment CP = BMP X nos. of PTD months as recommended by the GSIS medical evaluator

2. If the member is separated from the service but has paid 36 monthly contributions within the last 5 years immediately preceding the disability or has paid at least 180 monthly contributions, benefit is: Cash payment CP = BMP X nos. of PTD months as recommended by the GSIS medical evaluator

Employees' Compensation Print this Page

The Employees' Compensation (EC) benefits or disability benefits is a compensation package for public an d private sector employees and their dependents in the event of work-related injury, sickness, disability or death. The EC is a purely employer-based contribution benefit. Thus, the employee is not required to contribute any amount to the program. The employee compensation benefits are in the following options:

1. Cash income benefits for disability or death 2. Medical and related services for injury or sickness 3. Rehabilitation services ( in addition to monthly cash income benefit) for permanent disability

The benefits given to the employee or his beneficiaries are in the form of:

1. Daily cash income benefit for temporary total disability (TTD)

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2. Monthly cash income benefit for permanent total disability (PTD) on a lifetime basis 3. Monthly cash income benefit for permanent partial disability (PPD) 4. Monthly cash income benefit for death, also on a lifetime basis, except for benefit paid to secondary

beneficiaries, which is a monthly pension not to exceed 60 months but not less than fifteen thousand pesos 5. Medical services, appliances and supplies for injury or sickness 6. Rehabilitation services for permanent disability 7. Carer's allowance for permanent disability.

The Compensability Conditions are as follows:

1. Injury must be the result of accident arising out of and in the course of employment. 2. Sickness must be listed /considered an "occupational disease"; or even if not listed as one, it must be shown

that the risk of contracting the sickness is increased by the working conditions. 3. Disability/Death is caused by work-connected injury or sickness

There are exceptions to Compensability or injury, sickness, disability or death. These exceptions are applicable when any of these is due to the employee's:

1. Intoxication or drunkenness 2. Willful intention to injure or kill himself or another 3. Notorious negligence 4. Not work-related

Here are the Occupational Diseases under PD626

1. Papilloma of the bladder 2. Cancer, epithellomatous or ulceration of the skin or of the corneal surface of the eye 3. Cataracts 4. Deafness 5. Decompression sickness, Caisson disease, and Aeroembolism 6. Dermatitis due to irritants and sensitizers 7. Infections, namely: Anthrax, Brucellosis, Glanders, Rabies, Tuberculosis, Tularemia, Weill's disease, Q

Fever or equine encephalomyelitis, Mite dermatitis 8. Ionizing radiation disease, inflammation, ulceration or malignant disease of the skin or subcutaneous tissues

of the bones or leukemia or anemia of the aplastic type due to X-rays, ionizing particles, radium or other radioactive substances, namely: Acute radiation syndrome: Chronic radiation syndrome and Glass blower's cataract

9. Poisoning 10. Pneumoconiosis 11. Diseases caused by abnormalities in temperature and humidity 12. Vascular disturbance in the upper extremities due to continuous vibration from pneumatic tools or power

drills, riveting machines or hammers 13. Viral hepatitis 14. Poisoning by cadmium 15. Leukemia and lymphoma 16. Cancer of the stomach and other lymphatic and blood forming vessels, nasal cavities and sinuses 17. Cancer of the lungs, liver and brain 18. Cardio-vascular diseases 19. Cerebro-vascular accidents 20. Malaria and schistosomiasis 21. Pneumonia 22. Hernia 23. Bronchial asthma 24. Osteoarthritis 25. Viral encephalitis 26. Peptic ulcer 27. Pulmonary tuberculosis 28. Viral hepatitis 29. Essential hypertension 30. Asbestosis

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Burial Print this Page

GSIS retirees are qualified for burial benefit, providing much needed assistance to their loved ones on their moment of grief.

Survivorship Print this Page

When a member or pensioner dies, his or her beneficiaries are entitled to cash and/or pension benefits, subject to the existing rules and regulations on survivorship and policies on the maximum amount of survivorship pension.

Coverage All primary and secondary beneficiaries residing in the Philippines or abroad who are existing survivorship

pensioners or claiming for survivorship benefit;

Those who were receiving survivorship benefits but were suspended when the policy on the same was amended

and implemented in August 2009; and

Those who applied for survivorship benefits but were disapproved due to the issuance/approval of Management

Implementing Guidelines (MIG) 01-2009 dated October 22, 2009 that took effect as early as August 2009, and MIG

04-2010 dated April 26, 2010.

Eligibility Requirements

1. When a member or pensioner dies, the primary beneficiaries (surviving legal spouse and dependent children) or secondary beneficiaries, as the case may be, shall be entitled to the applica ble survivorship benefits.

2. The primary beneficiaries[1] shall be the following:

o * The legitimate spouse, until s/he re-marries, or co-habits/engages in common-law relationship; and

o * The dependent legitimate, legally adopted or legitimated children, includ ing illegitimate children, who have

not reached the age of majority, or, have reached the age of majority but incapacitated and incapable of self-

support due to a mental or physical defect acquired prior to age of majority 3. The secondary beneficiaries shall be the dependent parents and, subject to the restrictions on dependent

children, the legitimate descendants[2].

The secondary beneficiaries shall only be entitled to survivorship benefits if there are no primary beneficiaries[3].

Maximum Amount of Survivorship Pension

1. The surviving spouse shall be entitled to basic survivorship pension which is fifty percent (50%) of the Basic Monthly Pension (BMP) but not to exceed fifty percent (50%) of the current Step 8[4] salary of an Undersecretary, pursuant to the Salary Standardization Law and its amendments. For example, if the salary of an Undersecretary is equal to P63,380.00 and the BMP of the deceased member/pensioner is equal to P70,000.00, the maximum amount of survivorship pension is P31,690.00 (50% of P63,380.00) for the surviving spouse, not P35,000.00 (50% of P70,000.00). However, the existing survivorship pensioners (surviving spouse) who are receiving more than the said limit shall not be subjected to this policy. For survivorship pensioners whose survivorship pensions were suspended as a result of the previous policy,

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the amounts accruing for the period they were suspended shall be restored by the GSIS, subject to the maximum amount of survivorship pension provided under this policy.On the other hand, for surviving spouse whose applications for survivorship benefits were denied as a result of the previous policy, their applications may be submitted to GSIS, and if found to be qualified, their benefits shall be granted and computed retroactively, subject to the maximum amount of survivorship pension provided under this policy.

2. The dependent children shall be entitled to dependent children’s pension for a maximum of five (5) children, equivalent to 10% of the BMP for each child but not to exceed fifty pe rcent (50%) of the BMP, counted from the youngest and without substitution.

3. The maximum amount of basic survivorship pension prevailing at the time of death of the member or pensioner shall apply. Any subsequent increase/s in the Step 8 salary of an Undersecretary will not result in any adjustment to the survivorship pension already being received by the surviving spouse.

Disqualification / Discontinuance to Entitlement to Survivorship Pension of

Dependent Spouse and/or Children

1. The payment of survivorship pension to the surviving spouse shall be discontinued when s/he re -marries, cohabits/engages in common-law relationship.

2. In the case of the dependent children, survivorship pension shall be discontinued upon reaching the age of majority.

3. When the dependent spouse and dependent children are already receiving the basic survivorship pension and dependent children’s pension, respectively, any subsequent death, emancipation or disqualification of any one of them shall not result in the accrual of that portion of benefits to the other beneficiaries.

Documentary Requirements Basic Documents

1. Application Form 2. Ombudsman Clearance 3. Death certificate of member/pensioner issued by the National Statistics Office (NSO) 4. Last Day of Actual Service; and 5. Two (2) valid IDs of payees

If Married

1. Marriage certificate between the deceased and his/her spouse issued by NSO 2. Affidavit of Surviving spouse 3. If spouse is not a GSIS member, Birth Certificate issued by NSO 4. Birth Certificate/s of minor/incapacitated children issued by NSO 5. If with minor/incapacitated children, Affidavit of Guardianship 6. If the legal guardian is not the natural parent, the affidavit should be supported by a Certification from the

Barangay and DSWD

If Single

1. If with minor/incapacitated children, Affidavit of Guardianship 2. If the legal guardian is not the natural parent, the affidavit should be supported by a Certification from the

Barangay and DSWD; and 3. If guardian is not a GSIS member, Birth Certificate issued by NSO

If without primary beneficiary (with Parents)

1. Birth Certificate of member issued by NSO 2. Marriage Contract of member’s parents issued by NSO

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3. Birth Certificate of member’s parents issued by NSO if parents are not GSIS members/pensioners.

If without primary beneficiary (without Parents; with Siblings)

1. Birth Certificate of member issued by NSO 2. Marriage Contract of member's parents issued by NSO 3. Death Certificates of member's parents issued by NSO 4. Birth Certificate of member's parents issued by NSO 5. Affidavit of Surviving Legal Heirs stating among others that affiants are the only surviving legal heirs of the

deceased member, their date of birth and relationship to the deceased member and that they are executing the document for the purpose of claiming the benefit from GSIS

6. Birth Certificate of all the siblings of the deceased member issued by NSO 7. Marriage Contract of all the female siblings of the deceased member issued by NSO 8. If with deceased brother or sister, extra judicial settlement among the legal heirs of the deceased brother /

sister of the member designating one payee

Additional Requirements for Muslim Members

1. Proof of Surviving legal heirs indicating all the wives and children 2. If only one (1) spouse is claiming: submit duly notarized affidavit that her husband has no other

marriages/wife 3. Court Order for Guardianship should be issued in the absence of parent for minor children 4. Application for survivorship must be duly endorsed by the office and a certification indicating the legal

spouse/s and children/s of the deceased

Effectivity

The above policies on survivorship benefits shall be implemented retroactively from the time the existing policies on eligibility requirements of a surviving spouse to survivorship benefits were adopted.

[1] Sections 2 (f) and (g), Republic Act No. 8291

[2] Sections 2 (h)

[3] Section 21 (c)

[4] Step 8 is equivalent to P63,380.00.

Frequently Asked Questions on Survivorship Benefits Why did the GSIS revise the existing policy on the grant of survivorship benefits?

The existing policies on the grant of survivorship benefits were revised by Management with the goal of granting

equitable benefits to survivorship pensioners, taking into consideration the specific provisions under the Family Code,

such that dependency for support of the surviving spouse to the deceased GSIS member shall not be dictated by the

surviving spouse’s financial status or capability.Â

Given the said revisions, members and pensioners are secured of their future benefits in GSIS without compromising

the financial viability of the Social Insurance Fund.

Who will be covered by this new policy?

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The following shall be covered by this new policy:

1. All primary and secondary beneficiaries residing in the Philippines or abroad who are existing s urvivorship pensioners or claiming for survivorship benefit;Â

2. Those who were receiving survivorship benefits but were suspended when the policy on the same was amended and implemented in August 2009; and

3. Those who applied for survivorship benefits but were disapproved due to the issuance/approval of Management Implementing Guidelines (MIG) 01-2009 dated October 22, 2009 that took effect as early as August 2009, and MIG 04-2010 dated April 26, 2010.

Who are the primary and secondary beneficiaries? The primary beneficiaries shall be the following:

1. The legitimate spouse, until he/she re-marries, or co-habits/engages in common-law relationship; and 2. The dependent legitimate, legally adopted or legitimated children, including illegitimate children, who have

not reached the age of majority, or, have reached the age of majority but incapacitated and incapable of self-support due to a mental or physical defect acquired prior to age of majority.

The secondary beneficiaries shall be the dependent parents and, subject to the restrictions on dependent children, the legitimate descendants. When will a surviving legal spouse or dependent children be disqualified from receiving the survivorship pension? The payment of survivorship pension to the surviving dependent spouse shall be discontinued when he/she re-marries or cohabits/engages in common-law relationship. On the other hand, the dependent children shall be disqualified from receiving the survivorship pension once he/she reaches the age of majority. What will happen to the survivorship pension being received by the surviving spouse and dependent children when any of them dies or becomes disqualified from receiving the survivorship pension? When the surviving spouse and dependent children are already receiving the basic survivorship pension and dependent children’s pension, respectively, any subsequent death, emancipation or disqualification of any one of them shall not result in the accrual of that portion of benefits to the other beneficiaries.

How will the beneficiaries claim for survivorship benefits? The application for survivorship benefits should be filed together with the documentary requirements, including the following affidavits:

1. Affidavit of Surviving Spouse; 2. Affidavit of Guardianship of Incapacitated Dependent Child. The Affidavit shall be supported by a court

order. In the absence of a court order, the Affidavit shall be supported by a Certification of Guardianship from the Barangay Captain and the City/Municipal Social Welfare Head where the incapacitated dependent child is residing; and

3. Affidavit of Guardianship of Minor Dependent Child. The Affidavit shall be supported by a court order. In the absence of a court order, the Affidavit shall be supported by a Certification of Guardianship fro m the Barangay Captain and the City/Municipal Social Welfare Head where the minor dependent child is residing.

Will the secondary beneficiaries and legal heirs be required to comply with the submission of the Affidavits?

The secondary beneficiaries and legal heirs, since they are not entitled to pension, shall not be required to comply

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with the submission of the said affidavits.

How can a child of minor age or with physical or mental incapacity claim for survivorship benefits?

The guardian of the minor child or child with physical or mental incapacity should secure a court order. In the

absence of a court order, the Affidavit shall be supported by a Certification of Guardianship from the Barangay

Captain and the City/Municipal Social Welfare Head where the dependent child is residing. This should be

submitted to the GSIS as a supporting document to the application for survivorship benefits and to the Affidavit of

Guardianship of Minor Dependent Child or Incapacitated Dependent Child.

What will happen if the survivorship pensioners fail to execute the Affidavit of Surviving Spouse/Children for

that year?

Failure on the part of the survivorship pensioner/s to submit the required affidavit shall be a ground for the

suspension of the survivorship pension.

When will the secondary beneficiaries be entitled to survivorship benefits?

The secondary beneficiaries shall be entitled to survivorship benefits only if there are no primary beneficiaries and

shall be subject to limitations defined by GSIS.

Who will be entitled to receive the survivorship benefits if there are no primary and secondary beneficiaries?

In the absence of primary and secondary beneficiaries, the legal heirs, as defined under the Rules on Succession,

New Civil Code of the Philippines, shall receive the applicable cash benefit depending on the eligibility of the

deceased member or pensioner.

The cap on the amount of basic survivorship pension is fifty percent (50%) of the current Step 8Â salary of

an Undersecretary, pursuant to the Salary Standardization Law and its amendments. What is the basis for

this?

The position of an Undersecretary is the highest career position in the government, hence, the most appropriate basis

when putting a cap on the basic survivorship pension. As of December 2010, there is only 0.24% of the general

membership who is receiving more than the current Step 8 salary of an Undersecretary, and, consequently, will be

affected by this policy.

Why did the GSIS put a cap on the amount of basic survivorship pension?

RA 8291 mandates the periodic review of its rules and regulations to ensure their responsiveness to its members as

well as to safeguard the financial viability of the System.

Applying a ceiling on the basic survivorship pension, particularly for those who have received salaries more than that

of an Undersecretary, is a measure to guarantee the actuarial soundness of the System. More importantly, it is a

mechanism to bring about equity and fairness among members and their survivors, regardless of whether they come

from an agency within or exempt from the Salary Standardization Law (SSL).

The pension is derived from the basic monthly pension (BMP) of a member. The BMP is based on the average

monthly compensation (AMC) which is determined from the aggregate compensation received by the member during

his/her last 36 months. Generally, the last 36 months of service of a government employee corresponds to higher

compensation as compared to his service prior to the said period. Hence, the premium contributions that were

collected during the prior services are lower than those for the last 36 months. This results to a disproportionate

relation between the aggregate contributions with the last compensation and, consequently, any pension, including

survivorship pension.

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To put a cap on the amount that certain income groups in SSL-exempt agencies at the level of the highest career

position of SSL agencies is intended to avert an unfair situation where members or their survivors in regular SSL

agencies, who are already receiving less, will eventually be subsidizing the pensions of members or their survivors,

who are already receiving more.

How will the survivorship pension of the dependent children be computed, 10% of the BMP or 10% of the

cap?

The survivorship pension of the dependent children shall be computed at 10% of the BMP.

When will the survivors of a retiree who availed and was paid the 5-year lumpsum benefit receive the

survivorship pension?

When the old age pensioner dies within the 5-year period after receiving the five-year lump sum, the survivorship

pension shall be paid only after the end of the said five-year period. However, the claim for survivorship benefits

should be filed together with the claim for funeral benefit, and this should be done wi thin four (4) years from the date

of death of the retiree.

How will GSIS determine if the survivorship pensioners are still qualified to receive the survivorship

pension?

The GSIS eServices Department (for Central Office) / Frontline Services Unit (for Regional and Branch Offices) shall

schedule and conduct home visitation as part of the investigation process to determine if the primary or secondary

beneficiaries should continue to receive the survivorship pension.

Who will be responsible for cleansing and tagging the records of survivorship pensioners?

The Membership Group shall undertake data cleansing and tagging every six (6) months to ensure that the pension

records of all disqualified or suspended primary beneficiaries are tagged accordingly.

Who will be responsible for updating the cap in the computerized system?

The Membership Group shall be responsible for updating the cap in the computerized system.

When is the effectivity of this new policy?

This new policy shall be implemented retroactively from the time the existing policies on eligibility requirements of a

surviving spouse to survivorship benefits (disqualifying a surviving spouse who is gainfully employed or engaged in

any gainful activity or receiving pension from GSIS or any other local or foreign institutions from receiving the

survivorship pension) were adopted.

What is the effect of this new policy to the survivors who were disapproved/stopped from receiving their

survivorship pension due to the issuance/approval of MIG 01-2009 dated October 22, 2009 that took effect as

early as August 2009 and MIG 04-2010 dated April 26, 2010?

For survivorship pensioners whose survivorship pensions were suspended as a result of the previous policy, the

amounts accruing for the period they were sus pended shall be restored by the GSIS, subject to the maximum amount

of survivorship pension provided under PPG No. 207-11 dated February 16, 2011.

On the other hand, for surviving spouse whose applications for survivorship benefits were denied as a result of the

previous policy (disqualifying a surviving spouse who is gainfully employed or engaged in any gainful activity or

receiving pension from GSIS or any other local or foreign institutions from receiving the survivorship pension), their

applications may be submitted to GSIS. If found to be qualified, their benefits shall be granted and computed

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retroactively, subject to the maximum amount of survivorship pension provided under PPG No. 207 -11 dated

February 16, 2011.

Will the existing survivorship pensioners be subjected to the maximum limit of basic survivorship pension?

No, the existing survivorship pensioners (surviving spouse) who are receiving more than the said limit shall not be

subjected to this policy.

If a claim was filed prior to the end of the prescription period, but was denied due to the previous policy, can

the surviving spouse still file the survivorship benefit claim under this new policy?

The claim is not considered prescribed since it was filed prior to the end of the prescription period. Hence, the claim

may be submitted to the GSIS, and if found to be qualified, the benefit shall be granted and computed retroactively,

subject to the maximum amount of survivorship pension provided under PPG No. 207-11.

If the survivorship benefit claim has prescribed, under what condition can the claim for survivorship benefit

be allowed to be filed to the GSIS?

If a survivorship benefit claim has prescribed, the said benefit may still be claimed from the GSIS provided that there

was a claim for funeral benefit which was previously filed within the 4-year prescription period. The claim for funeral

benefit shall be considered as a constructive notice for the survivorship benefit claim. If found to be qualified, the

benefit shall be granted and computed retroactively, subject to the maximum amount of survivorship pension

provided under PPG No. 207-11.

Will the other existing policies on survivorship benefits be affected by this PPG?

All other policies which are not affected by the approved PPG, including the Restructured Survivorship Benefits under

RA 8291, as approved by the Board through Board Resolution No. 188 dated August 13, 2003, shall still apply.Â

However, the policy on the maximum amount of basic survivorship pension payable to the su rviving spouse, as

provided under the approved PPG, shall apply to the Restructured Survivorship Benefits under RA 8291.

Emergency Loan Print this Page

The Emergency Loan is payable in three years or 36 equal monthly installments at an interest rate of six percent per annum.

If an emergency loan is renewed, the balance of the outstanding loan will be deducted from the proceeds of the new loan.

Who can avail of the Emergency Loan?

To qualify for the emergency loan, the member-applicant must be: a bona fide resident or employee of the government office within the declared calamity area; be in active service and not on leave of absence without pay; has no pending criminal or administrative charges; has no arrearages in the payment of mandatory social insurance contributions; and has no loan that has been declared in default.

For a calamity-hit area, it must be declared in a state of calamity by its Sangguniang Panlalawigan/Panglun gsod and approved by the GSIS Board of Trustees before members working in government offices in the said area become eligible for the Emergency Loan.

How can members apply for the Emergency Loan?

Page 15: Government service insurance system

Eligible members can avail of the Emergency Loan using their eCard Plus on any GSIS Wireless Automated Processing System (G-W@PS) kiosk installed in all GSIS servicing offices and in select government offices in different parts of the country.

To apply for the Emergency Loan using the kiosk, a member needs to first place his eCard Plus on the card reader of the kiosk. Then, he needs to place any of his pre-selected fingers on the fingerprint biometric scanner of the kiosk. Using the touch screen monitor of the G-W@PS, a member must select "emergency loan" from the l ist of loans available on the loan menu and follow the simple instructions that will be displayed on the screen to complete the transaction.

Eligible members can also apply for the Emergency Loan through over-the-counter (OTC) application to be filed in GSIS offices covering the abovementioned calamity-declared areas. To apply for the emergency loan via OTC, eligible members have to accomplish an application form.

A tentative computation of their loan proceeds and monthly amortization will also be shown to member-applicants when they apply via G-W@PS kiosk or OTC.

Policy Loan Print this Page

Policy loan is a loan program which you can avail from your GSIS life insurance policy.

There are two kinds of compulsory GSIS life insurance programs which are automatically granted to you the day you enter government service: the Enhanced Life Policy (ELP) and the Life Endowment Policy (LEP). ELP provides cover for you if you entered the service after July 31, 2003. Members whose policies have matured will also be covered by ELP. The maximum loanable amount you can avail of under ELP is up to 90 percent of the accumulated termination value of this policy. On the other hand, LEP refers to the life insurance policy issued to you if you entered the service prior to August 1, 2003. The maximum loanable amount you can avail of under LEP is up to 50 percent of the accumulated termination value of this policy. You can choose to either pay your Policy Loan through monthly amortization or have it count against your existing life insurance policy contract. The Policy Loan bears an interes t of 8% compounded annually. How can a member apply for the Policy Loan? A member can apply for the Policy Loan using the GSIS Wireless Automated Processing System (G-W@PS) kiosk installed in all GSIS servicing offices and select government offices nationwide. Who are eligible to avail of the Policy Loan? A member who has been insured for at least one year may be granted the Policy Loan. The availing member must also have updated premium payments and has an active policy to be eligible under this loan pro duct. Optional Policy Loan A member has an option to avail of an additional life insurance without any limit to his life insurance coverage. When availing of the Optional Policy Loan, a member can choose to either pay it through monthly amortization or ha ve it count against his optional policy life contract.

eCard Plus Print this Page

Page 16: Government service insurance system

The GSIS eCard is, by far, the most innovative government-issued identification card today. This is because the

eCard Plus is not just a GSIS membership ID Card, it is also a GSIS transactional card, disbursement card, ATM

Card, VISA debit card, hospitalization discount card, medicine discount card, and tuition discount card, among others.

eCard Plus as utility card

The eCard Plus is really the ultimate all-in-one card. Learn more how

more and more GSIS members and pensioners are experiencing its

many benefits.

Enroll for eCard Plus

It’s about time you get your own eCard Plus. Getting one is easier than

you think. All you need to do is visit your servicing GSIS office.

G-W@PS Kiosk

Using your eCard Plus, you can check your GSIS records, renew your

active status (for pensioners), and even apply for GSIS loans, when

you go to any G-W@PS kiosk installed in all GSIS offices and other

major government offices all over the country.

Apply for a Loan

Members can apply for ConsoLoan, the one-time P10,000 Cash

Advance, and Policy Loan, while pensioners can get Pension Loan using

their eCard Plus.

Check your Record

Page 17: Government service insurance system

Know your membership records, record of creditable services, loans

and other important facts about your GSIS membership. Here’s how.

ECard Replacement

Here’s how you can get a new eCard Plus in case you lose or damage

the one you have.

Online banking

Manage your eCard Plus ATM account or pay bill online.

GCare Plans Print this Page

Â

G-Care offers motor vehicle insurance, personal accident insurance, and fire insurance with the most

affordable rates in the country.

MyShield

My Shield, the lowest insurance premium rate against personal accident in the market with

about Php40 for every Php50,000 annual coverage. A minimum coverage may range from

Php50,000 to a maximum of Php5 million.

HomeShield

Provides insurance coverage against fire.

Page 18: Government service insurance system

AutoShield

Provides a comprehensive insurance coverage for vehicles at 20% less than the prevailing rate

in the market.