Update on GSIS Reforms forActive Members

Government Service Insurance SystemJuly 22, 2014

Almont Hotel and Island Resort, Butuan City

By:

DIONISIO C. EBDANE, JR.Senior Vice President

Visayas Mindanao Operations Group

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Processing of separation/retirement benefits due to RATPLAN

As as June 20, 2014:

•4,493 applications processed

•Php 4.395 Million gross benefit

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Refund of premiums under DBM, DepEd & GSIS MOA

• Massive refund of life insurance (GS share) benefits of 179,243 DepEd active and inactive members amounting to Php 932.09 Million.

• Those who were granted refund were notified through:

Agency Authorized Officers

Text Blast (UBP)

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State of Members’ Records

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Posting and Collection Efficiency

Year Collections (In million pesos)

Unreconciled/ clarificatory accounts

(In million pesos)

Posting Efficiencyrate

2010 70,162 7,382 89%

2011 90,343 5,562 94%

2012 99,598 2,431 98%

2013 44,489 1,923 96%

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Disability

Payment of Claims and Benefits

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Systems enhancements

• Electronic billing and collection system (e-BCS)

• e-GSIS MO

• Claims’ application through GWAPS

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Non-Suspension of Loan Privileges of Employees in Suspended agencies

• No more suspension for employees working in agencies that are delayed, deficient in premium payments (beginning July 2013)

• Suspended agencies to choose from any of 3 options to restore regular status:

 1. Full payment of premium delinquencies; 2. MOA with GSIS; and3. Payment of at least 90% of any 3 consecutive months’ premium

obligations; sign undertaking with GSIS to enter into MOA.

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Restored full benefits of nearly 800,000 members through MOAs

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• 182 suspended agencies signed agreements with GSIS which restored loan privileges of over 818,000 employees (as of 30 April 2014)

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Opened NCR-Pasig Extension Office

Retirement

CSVMaturity

Pre-needDeath ClaimFuneral Claim

Disability

Covers more than 107,000 members and 15,000 pensioners in Pasig, Pateros, Taguig, Marikina and Rizal province

Facilitates better coordination with DepED Central Office in Pasig

Opened new Service Facilities at Head Office

Established 24/7 Contact Center

• Separate clearances from the Office of the Ombudsman, Civil Service Commission and Office of the President are no longer required.

• Instead, retired members will submit a Declaration of Pendency/Non-Pendency of Case.

Streamlining of Documentary Requirements

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Credits claim proceeds electronically via eCards instead of checks

Ensures timely release of benefits

Makes processing twice as fast than traditional check payment

Used e-Card in Paying Claims starting Oct 14, 2013

CSV

Funeral Claim

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• Allows low-income members to send children to school

• Exclusive to children of GSIS members

• Php20,000/semester and Php2,000 monthly stipend

AY 2014-2015 GSIS Scholarship Program

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• GSIS partners with DepEd for 2014 Adopt – A-School and Brigada Eskwela Programs

• 17 schools for pilot adoption nationwide with priority on schools hit by recent calamities

GSIS CSR – Adopt – a – School Program

Area Number of Schools for adoption

Visayas 4

Mindanao 4

NCR 3

S. Luzon 3

N. Luzon 3

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Implemented a Housing Loan Remedial and Restructuring Program

Condones all unpaid penalties, surcharges

Grants extended payment terms

Uses more systematic and orderly manner of accommodating interested borrowers (by appointment)

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Special Assistance Package for Calamity-hit Members

Loan Moratorium Program (LMP)

Home Emergency Loan Program (HELP)

Enhanced Emergency Loan Program (EEL)

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Disability

GSIS is stable

Indicator 2013 2012 2011 2010

Assets 785.83 727.58 633.64 566.61

Comp. Income

44.13

93.25 73.21 63.91

Claims and Benefits

83.39 65.54 54.27 46.04

Actuarial life: 2047

Average – 89.35%

Branch Office 2013

GOOD12 Dumaguete 89.85

13 Malaybalay 89.81

14 Ormoc 89.71

15 Tagum 89.51

16 Palawan 89.35

17 Tuguegarao 89.28

18 Batangas 89.12

19 Lucena 89.10

20 Aklan 89.10

21 Butuan 88.73

22 Kidapawan 88.20

23 Roxas 86.12

24 Davao 85.57

25 Quezon City 81.52

26 Dipolog 81.48

27 Iligan 81.45

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Branch Office 2012 2013 Inc/Dec

EXCELLENT

1. Dagupan 69.25 95.81 +26.56

2 Surigao* 68.25 93.86 +25.61

3 Bohol* 71.54 93.28 +21.74

4 Laguna* 68.34 93.01 +24.67

5 General Santos * 76.54 92.77 +16.23

6 Antique* 74.10 92.70 +18.60

7 Bacolod* 71.03 91.57 +20.54

8. Laoag 90.58

9. Masbate 67.77 90.34 +22.57

10. Bulacan* 59.74 90.20 +30.26

11. La Union* 90.14

Cited by CSC for improved ARTA ratings in service delivery

* Citizen’s Satisfaction Center Seal of Excellence Recipient

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2014 Directions

Proposed amendments to GSIS Charter to institutionalize member-friendly policies, including:

 • Members’ Bill of Rights

• Designation of beneficiary by single members before age 50

• Removal of remarriage and cohabitation as basis for cancellation of survivorship benefit

• Increase in funeral benefit to Php30K

• No prescription period for claims

• Option of the member to claim his/her separation benefit even before reaching age 60

 

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2014 Directions

 Review of current life insurance policies –

Enhanced Life Policy and Life Endowment Policy

 Pension program for uniformed personnel

Construction of GSIS branch office buildings in Quezon City, Bohol and Cabanatuan

 

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At the new GSIS, it’s all about serving our members and pensioners with the utmost RESPECT, COURTESY and KINDNESS…

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Status on the Refund of Deducted Premium in

Arrears(PIA) of DepEd Personnel

as a result of the Tripartite MOA

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Background:

No. %

Members covered by the Tripartite MOA 753,884

With Deducted PIA as of November 2012(and therefore entitled to refund)

232,355 30.82%

No Deducted PIA (and therefore not entitled to refund)

521,529 69.18%

• Tripartite MOA signed between GSIS, DepEd and DBM last September 11, 2012

• The MOA covers the premium arrearages of DepEd from July 1997 to December 2010

Identified DepEd Personnel Qualified for Refund of PIA (1st 50% GS):

232,355DepEd Members qualified for refund

of PIA as of Nov 2012 (1st 50% GS)

125,390

16,017

Deceased

27,423With LWOP / Service Gaps

105Non-

Permanent Status

41,139PIA deducted outside MOA

period

22,281For Review

(if with refundble PIA)

106,965

Qualified

Excluded

93,847Processed through MASSIVE REFUND

(1st 50% GS) from Jan-April 2013Php 488,210,172

31,543

With record ofINDIVIDUAL REFUND (100%)

Dataset

46.04%

53.96%

85,396Processed through MASSIVE REFUND

(2nd 50% GS) in March 2014Php 443,877,497

93,847

QUALIFIED for the 2nd 50% GS

1,535

With record ofINDIVIDUAL REFUND (100%)

86,931

1,402

Deceased

1,063PIA deducted outside MOA

period

2,696No PIA after

Recomputation

1,755For Review

(if with refundable PIA)

6,916

Qualified

Excluded

Identified DepEd Personnel Qualified for Refund of PIA (2nd 50% GS):

Dataset

7.37%

92.63%

Identified DepEd Personnel Qualified for Refund of PIA:

• With the completion of the 1st and 2nd batches of refund (of PIA) by the GSIS, there is a need to revisit the dataset on DepEd personnel previously excluded in these batch runs to determine if they are now qualified for refund of PIA.

• We also need to consider the DepEd personnel who continued to be deducted of PIA (for the period July 1997-December 2010) after the cut-off month of November 2012, totalling to 32,844 members as of March 31, 2014

Identified DepEd Personnel Qualified for Refund of PIA (3rd batch):

232,355DepEd Members qualified for refund of PIA as of Nov 2012

122,673 33,078INDIVIDUAL REFUND

(100%)

753PIA deducted outside MOA

period

63,942For Review

(if with deducted PIA)

64,695

Previously Refunded

Excluded

77,831

85,396MASSIVE REFUND

(100%)

32,844Additional Members

(with deducted PIA after Nov 2012)New dataset

4,199Individually processed refund

after the last massive run (March 2014)

265,199

For Refund(3rd Batch) Php 497,519,577.26

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Thank you!

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