Comments or Queries during the webinar on "Government delivery of faceless (online) services"
last May 4, 2021
GSIS
QUESTIONS/COMMENTS
When can a retiree avail of the pension loan?
How much is the maximum loan that be applied?
How much interest and what is the term?
What are the requirements to prove that having COVID is work related?
Can loans be paid via bayad center/direct payment and not through salary
deductions? Is this an option of the employee?
 
ANSWERS
Qualified loan borrowers shall be old-age
GSIS pensioners who are currently receiving
basic monthly pension (BMP) for at least a
month and who have no outstanding service
loans being amortized under the Choice of
Loan Amortization Schedule for Pensioners
(CLASP) and/or the GSIS Program for
Restructuring and Repayments of Debts
(GSIS-PRRD) at the time of filing.
The amount that a qualified pension loan
borrower can avail up to six (6) times his / her
BMP but not more than P500,000.00.
The loan principal, interest and other charges
due shall be payable in twenty-four (24)
equal monthly amortization.
The pension loan shall incur interest at the
rate of ten percent (10%) per annum
computed in advance. A service fee of two
percent (2%) of the gross amount shall be
charged and deducted from the proceeds of
the loan. Effective interest rate is 19.747%
based on a 24-month repayment period.
This will be based on the documents that will
be submitted. You can submit the basic docs
for EC claim subject for evaluation of our
Medical Officers. Please note to submit also a
certification of your quarantine leave issued
by your agency / barangay and copy of your
RT-PCR positive test result. Also, you may
submit to support your claim a certification
issued by your agency / immediate supervisor
stating that you are working, with your job
description, prior you contracted the disease
and that you are not on Leave Without Pay
during those period. Please note, however,
that as mentioned, your claim will be
evaluated by our medical officers. Additional
documents may be requested by our medical
officers if deemed necessary to establish your
eligibility.
The monthly amortization of service loans
shall still be paid through payroll deduction.
Our partnership with the Bayad Center has
opened a convenient way for our members
and pensioners to (1) settle their past due

How can to get GSIS ID?
What should I do if I cannot open my e-gsis account and I forgot the answer
to the security questions?
Is there any alternative way to process pension benefit for retired
government employee who is currently resided abroad?
I noticed that the payment of contributions, govt and personal, have
discrepancy from previous years, what should I do about it?
When there will be MOA between COA and the GSIS?  As of now, I cannot
apply for a Multi-Purpose Loan.
accounts and (2) pay an advance payment for
their loan accounts. Prior to this, members
who have past due accounts and/or members
who wants an advance payment of their loan
may only be paid through over-the-counter
payment directly in GSIS offices.
You need to personally enrol for an eCard in
any GSIS offices near you. Just bring your two
(2) valid government-issued IDs with you.
You may email your handling branch for the
resetting of your eGSISMO password. A new
password will be sent to your registered
contact number and/or email address. You
may see the list of emails of our branches in
this link:
https://www.gsis.gov.ph/contact-gsis/
Yes. All of our pensioners abroad may still
avail of our service by connecting through our
Pension Global Team through:
pensionglobal@gsis.gov.ph – for eCard
process, ARAS, ecard activation or
replacement of expired ecard
ecards@unionbankph.com – for
Misplaces/lost eCard/Personal Identification
Number of UBP issued eCard
crmd@gsis.gov.ph - Other than concerns
above
You may follow this link for more
information:
https://www.gsis.gov.ph/pension/pensioners
-abroad/?csrt=12242730273836994931
First, you may request to any GSIS offices a
complete monthly list of your premium
contributions. With this, you may reconcile
our record with your or your agency’s record.
Second, if found to have discrepancy, you
may file for the reconciliation of your
premiums payments by providing a certified
remittance list / OR of remittance issued by
your agency.
As of now, the MOA between COA and the
GSIS for the Multi-Purpose Loan is still being
studied. This is to ensure that you, and the
rest of COA workforce, will be of advantage
for the said loan window facility. Rest assured
that your welfare is our and your agency’s
shared goal and commitment.