GOVERNMENT SERVICE INSURANCE SYSTEM (GSIS

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Republic Act No. 8291

What is GSIS? The GSIS is a social insurance institution created under Commonwealth Act Number 186 that was passed on November 14, 1936, and later amended under Republic Act No. 8291 dated June 24, 1997. To secure the future of all employees of the Philippine government, it provides and administers a pension fund that has the following social security benefits: compulsory life insurance, optional life insurance, retirement benefits, and disability benefits for work-related accidents and death benefits

Purpose of GSIS? The GSIS

provides social security coverage to employees in the public sector. It officially started its operations in May 31, 1937 with life insurance program as its only business and was transformed into a more comprehensive social insurance scheme in 1951 with the addition of old-age, invalidity and survivors benefits. The GSIS also administers the Employees’ Compensation Program, which provides for work-related social security benefits for the public sector and the General Insurance Fund, which provides non-life coverage for all properties with government insurable interest. GSIS, as designed in its charter, is a social insurance institution under a defined benefit scheme. It insures its members against the occurrence of certain contingencies in exchange for their monthly premium contributions. In addition, the GSIS is entrusted with the administration of the General Insurance Fund by virtue of R.A. 656 of the Property

Membership
Compulsory Membership Except members of the Armed Forces of the Philippines and the Philippine National Police, subject to the condition that they must settle first their financial obligation with the GSIS, and contractual employees, who have no employer and employee relationship with the agencies they serve, all government personnel, whether elective or appointive, irrespective of status of appointment, provided they are receiving fixed monthly compensation and have not reached the mandatory retirement age of 65 years, are compulsorily covered as members of the GSIS and shall be required to pay contributions. However, employees who have reached the retirement age of 65 or more shall also be covered, subject to the following rules: 1. An elective official who at the time of election to public office is below 65 years of age and will be 65 years or more at the end of his term of office, including the period/s of his reelection to public office thereafter without interruption. 2. Appointive officials who, before reaching the mandatory age of 65, are appointed to government position by the President of the Republic of the Philippines and shall remain in government service at age beyond.

Contractual employees including casuals and other employees with an employee-government agency relationship are also compulsorily covered, provided they are receiving fixed monthly compensation and rendering the required number of working hours for the month

the Philippine National Police. who are required by law to remit regular monthly contributions to the GSIS. 2. government financial institutions (GFIs).Classes of Membership (By Type and Status) A. By Type of members: 1. national or local. Bureau of Jail Management and Penology (BJMP) and Bureau of Fire Protection (BFP). including those with equivalent ranks. Regular Members – are those employed by the government of the Republic of the Philippines. . except uniformed personnel of the Armed Forces of the Philippines. members of the judiciary. Special Members – are constitutional commissioners. legislative bodies. government-owned and controlled corporations (GOCC) with original charters. who are required by law to remit regular monthly contributions for life insurance policies to the GSIS in order to answer for their life insurance benefits defined under RA 8291.

Active member – refers to a member of the GSIS. retrenchment or. disability. . who is still in the government service and together with the government agency to which he belongs. Status of membership: 1. 2. and shall be entitled to whatever benefits he has qualified to in the event of any contingency compensable under this Act. whether regular or special. who is deemed retired from the service under this Act. Effect of Separation from the Service.Classes of Membership (By Type and By Status) B. dismissal from the service. A member separated from the service shall continue to be a member. Inactive member – a member who is separated from the service either by resignation. retirement. is required to pay the monthly contribution.

. The benefit can be in the form of cash payment or cash payment and pension. Personnel shall be February 1.For members with at least 3 years but less than 15 years of service: A cash payment equivalent to one hundred percent (100%) of the AMC for every year of service the member has paid contributions (creditable service).Benefits Provided under GSIS Separation Benefits The Separation benefit is given to employees who have not reached the retirement age (60) but have been separated from the service.For members with at least 15 years of service and less than age 60 upon separation: a. 2. A cash payment equivalent to eighteen (18) times the BMP payable at the time of resignation or separation. or upon his separation if he is already 60 years of age at the time of separation. 1. An old-age Reckoning Date of Separation pension benefit equal to theof BMP. payable monthly life upon Uniformed PNP. BJMPfor and BFP reaching the age of 60. The computation of benefit shall be based on their basic monthly salary (premium-based) when they ceased to be members of the GSIS.000 ). 1996. but not less than twelve thousand pesos ( P 12. b. payable upon reaching age 60.

which permanently or temporarily prevents him to continue with his work or engage in any other gainful occupation resulting in the loss of income. based on medical evaluation. participation in riots. The actual loss of income shall refer to the number of days when a member went on leave of absence without pay (LWOP) reckoned immediately from the date of commencement of disability and for the duration of entitlement thereto. Any disability or injury as a result of. shall not be compensable. gross and inexcusable negligence. Any LWOP incurred after the duration of entitlement to the benefit shall not be compensable. .Disability Benefits Disability refers to any loss or impairment of the normal functions of the physical and/or mental faculties of a member. under the influence of drugs or alcohol or willful intention to injure or kill himself or another. or due to grave misconduct.

Provided. complete loss of sight for both eyes. and  he/she is not receiving any other pension either from GSIS or . however. that the following conditions shall be met: he/she is gainfully employed prior to the commencement of disability resulting in loss of income as evidenced by any incontrovertible proof thereof. or has paid a total of at least one hundred eighty (180) months contributions prior to his/her disability. if separated from the service. or b. and d. he/she is not a registered member of any social insurance institution.Disability Benefits Permanent Total Disability (PTD) PTD are disabilities due to injury or disease causing complete. e. such other cases as may be determined and approved by the GSIS A member who becomes permanently and totally disabled shall be entitled to the PTD benefits when: a. loss of two limbs at or above the ankle or wrists. brain injury resulting in incurable imbecility or insanity. permanent complete paralysis of two limbs. a. irreversible and permanent incapacity that will permanently disable a member to work or to engage in any gainful occupation resulting to loss of income. he/she is in the service at the time of disability. c. b. he has paid at least thirty six (36) months contributions within the five year (5) period immediately preceding his/her disability.

Such injuries include those on any finger. one hand. hearing of ears. one foot.Disability Benefits Permanent Partial Disability (PPD) PPD arises due to the complete and permanent loss of the use of any of the following resulting to the disability to work for a limited period of time. toe. one leg. ears. one arm. and such other cases as may be determined and approved by the GSIS . sight of one eye.

he/she is in the service at the time of disability. he/she is not receiving any other pension either from GSIS or another local or foreign institution or organization. that the following conditions shall be met: he/she is gainfully employed prior to the commencement of disability resulting in loss of income as evidenced by any incontrovertible proof thereof.GSIS A member whose disability is partial shall be entitled to the PPD benefit when: a. . Provided. however. or b. or c. if separated from the service. he/she is not a registered member of any social insurance institution. has paid a total of at least one hundred eighty (180) months contributions prior to his/her disability. he has paid at least thirty six (36) months contributions within the five year (5) period immediately preceding his/her disability.

. duration may be extended up to a maximum of 240 days. For more extensive cases.Disability Benefits Temporary Total Disability (TTD) TTD accrues or arises when the impaired physical and/or mental faculties can be rehabilitated and/or restored to their normal functions. The temporary total disability benefit is in the form of a daily benefit equivalent to 75% of his current daily compensation for the duration of the disability starting on the 4th day of disability but not to exceed 120 days. but such disability shall result in temporary incapacity to work or to engage in any gainful occupation.

if separated from the service. b.A member shall be entitled to the TTD benefit when: a. Provided. or b. he/she is not a registered member of any social insurance institution. or has paid a total of at least one hundred eighty (180) months contributions prior to his/her disability. and he/she is not receiving any other pension either from GSIS or another local or foreign institution or organization .he/she is in the service at the time of disability. that the following conditions shall be met: he/she is gainfully employed prior to the commencement of disability resulting in loss of income as evidenced by any incontrovertible proof thereof. he has paid at least thirty six (36) months contributions within the five year (5) period immediately preceding his/her disability. however.

or d. or b. or c.Any applicable disability benefit shall be suspended when he/she: a. whose decision shall be final and binding. recovers from his/her disability as determined by the GSIS. is reemployed. fails to present himself for medical examination when required by GSIS. is receiving any other pension either from GSIS or another local or foreign institution or organization .

upon compliance with the requirements. . avail himself/herself of such rehabilitation facilities as may be duly recommended by the GSIS and made available for him/her. or c. Observe such precautionary and /or preventive measures as prescribed by a physician or expressly required of him/her to prevent the aggravation or continuance of his/her disability. his/her benefits shall be resumed if he/she is still qualified. have himself/herself confined in a hospital without justifiable reason.Forfeiture of Disability Benefits All the foregoing provisions notwithstanding. or b. have himself/herself medically treated by a physician when required by the GSIS. when such confinement is required by the GSIS. or d. any member who is enjoying disability benefits shall automatically forfeit his/her right to the continued enjoyment thereof if he/she refuses or deliberately fails to: a. However. take the prescribed medications . or e.

2. until he/she remarries and the dependent children. . dependent children shall be the legitimate. not gainfully employed. unmarried. or being more than 18 years of age but incapacitated and incapable of self-support due to mental or physical incapacity acquired prior to age of majority. Primary – the legitimate spouse. In this regard. legitimated and/or legally adopted child. who is below 18 years of age.Survivorship Benefits The benefits payable to the surviving qualified beneficiaries of the deceased member or pensioner who are either: 1. including any illegitimate child. Secondary – are the dependent parents and legitimate descendants.

e.not gainfully engaged in a business or economic activity (selfemployed).not engaged in any gainful occupation as defined in Sec 2 (p) of RA 8291. and f. cohabits. except the last one. In the case of the dependent spouse. except dependent children. c. payment of the basic survivorship pension shall discontinue when he remarries. shall be entitled to applicable survivorship benefits. must be present immediately preceding the death of the member or pensioner.the surviving spouse and the deceased member were living together as husband and wife. employed/engaged in a business or economic activity but receiving income less than the minimum compensation of government employees.The primary and secondary beneficiaries. The foregoing conditions. or engages in common-law relationship. b. d. subject to the following: a. .not receiving any other pension from the GSIS or another local or foreign institution or organization.

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