Welfare and Benefits

Mutual Aid Benefit

Mark G. De Vera
May 15, 2015

Rationale
 Principle of mutual sharing and helping among its members
 Three instances when a member would seek most the help of fellow members:
 Sickness
 Death
 Fortuitous events

Three Categories of MAB

 Medical Assistance
(Hospitalization / Home Confinement)

 Confinement of at least 3 days

 Prolonged stay at home
 Death
 Assistance to fortuitous events
 Fire, earthquake, robbery, flood...

Benefits (AY 09-10)

Member Primary Dependent Secondary Dependent
Medical Assistance
(Max Amt. 5% 2.5% 1.25%
P100,000.00)

Death P 10,000.00 P 5,000.00 P 2,500.00

Assistance to
Fortuitous Events
(Max Amt. P 10% N/A N/A
50,000.00)

If the benefit is less than P500.00, WELFCO shall issue a check amounting to P500.00
 Proposed Benefits (AY 15-16)
Member Primary Dependent Secondary Dependent

Medical Assistance
(Max Amt. 5% 5% 2.50%
P100,000.00)

Death P 10,000.00 P 5,000.00 P 2,500.00

Assistance to
Fortuitous Events
(Max Amt. P
10% N/A N/A
50,000.00)

If the benefit is less than P500.00, WELFCO shall issue a check amounting to P500.00

Availment
Health Card Holders
1. Can avail the medical assistance when the
supporting documents have been
submitted.
2. Application should be done within 30
days after discharge from the hospital / or
the date stated in the fit to work clearance
issued by a physician
Non-Health Card Members
1. May apply for a medical assistance upon
admission to the hospital and will be
given an advance assistance of 30% of the
maximum amount
2. Adjustment of full benefits will be given
to a member upon submission of
supporting documents.
3. In case the issued 30% is bigger than the
computed benefit, the member should
reimburse it to the association

 At the time the claim is being made, the member should have at least one semester of residency
 Those who have not been teaching for 2 consecutive semesters, exclusive of summer are
presumed to have lost their status of membership (TSFSA Const. and by Laws)
 Application Period: Monthly Basis. Checks will be released by the treasurer at the end of each
month.
  On Multiple Claims:
 If allotted MAB budget for a month period is less than the total amount of MAB
applicants, WELFCO will consider the instance as multiple claims and will decide on fair
distribution with reference to hospital bill after Philhealth and depth of need of the
member.
 Membership status will not be a criterion in the availment

Valid Dependents
Primary Secondary
Single Parents/Siblings N/A
Parents and Legally adopted Siblings
child/children
Married Spouse and Children Parents and Siblings
Parents and Children* Siblings*

*If widow/widower
All Children and siblings should be 21 years old and below or mentally or physically handicapped
No age limit for Death Assistance
Dependents should be stated in the membership form

Limits of the Benefit

 A member could avail of the Medical Assistance twice/SY once for himself/herself and
once for his/her dependents.
 Maternity/paternity claims are not covered.
 Death aid and assistance in case of fortuitous events shall not have any limits as to
frequency of availment.


Membership and Contribution

 A member shall contribute Php100.00 per month that will be deducted from the his/her
salary 4x per school year (Php250.00 every 25th of June, September, December and
March)
 An aspiring member should submit an application on or before June 10 for the 1st
semester and December 10 for the second semester.
 Deadline for the renewal of membership shall be June 15, 2015.
*Documents such as f birth certificate (self, children, siblings), marriage contract, adoption papers and other
pertinent documents maybe requested when need arises