Government Service Insurance System

Government Service Insurance System

A government owned and controlled corporation

(GOCC) of the Philippines organized and created to
administer its funds and implement the laws that
govern the social security and insurance benefits of all
government employees.
 Government Service Insurance System

• Commonwealth Act No. 186

• November 14, 1936
• 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
 death benefits.
 Vision

By 2022, GSIS, a premier social insurance

institution with a passion for providing excellent
service to its members, pensioners, and other
constituents, will be in the top three defined-benefit
pension fund institutions in the ASEAN region.
 Mission

GSIS is committed to provide social security and

financial benefits to all government employees and
their qualified dependents, satisfy the non-life
insurance needs of the government, maintain and
strengthen the viability of the fund, and build an
enduring partnership with its stakeholders.
 Core Values

Professionalism
Love of Country
Integrity Service
Excellence
Spirituality
Innovation
Teamwork
 Quality Policy

In the Government Service Insurance System,

we are committed to provide quality service to our
members, pensioners and other constituents for all
their social security benefits and non-life insurance
needs. The design of our QMS shall consider the
context and strategic direction of our organization.
Our systems and processes shall be regularly evaluated
and improved for effectiveness, efficiency, and
compliance with legal and other regulatory
requirements. We will invest in the competence of our
people through continued professional development.
 Purpose of GSIS

• Provides social security coverage to employees in the

public sector
• 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
• Ensures its members against the occurrence of
certain contingencies in exchange for their monthly
premium contributions
 Compulsory Membership

The GSIS covers all government workers

irrespective of their employment status,
except:

 Members of the Judiciary and Constitutional

Commissions
 Contractual Employees
 Uniformed members of the Armed Forces of the
Philippines and the Philippine National Police
 Employees and Branches

 3,104 employees
 52% of whom are in the Head Office
 48% are in the Branches

 15 Regional Offices

 25 Branches Offices

 18 Satellite Offices nationwide

 Classes of Membership

TYPE OF MEMBERS
1. Regular Members
2.Special Employees

STATUS OF MEMBERS
1. Active Members
2.Inactive Employees
 Effect of Separation from the
Service

A member separated from the service shall

continue to be a member, and shall be entitled to
whatever benefits he has qualified to in the event of
any contingency compensable under this act.
 Computation of the amount of
Contribution

For Regular Members

Employees Share Employer’s Share

(member) (government)
9% 12%
Of Actual Monthly Salary Of Actual Monthly Salary
 Computation of the amount of
Contribution

For Special Members

Employees Share Employer’s Share

(member) (government)
3% 3%
Of Fixed Monthly Of Fixed Monthly
Compensation Compensation
 Remittance of Contribution to GSIS

1. Within the first ten (10) days of the calendar month

following the month to which the contributions apply
2. Government deduction from fixed monthly compensation
of the employee
3. The said amounts shall be remitted to the GSIS within the
first ten (10) days of the calendar month following the
month when deductions were effected, accompanied by
supporting lists in the form prescribed by the GSIS
4. Responsibility of the member to ensure that the required
premium contributions and other amounts due deducted
from his compensation are promptly remitted to GSIS
 Benefits provided under GSIS

1. Life Insurance Benefits

• Emergency Loan
• Cash Advance Inflation Adjustments of Pension

2. Retirement Benefits

3. Separation Benefits

4.Disability Benefits
 Benefits provided under GSIS

5. Unemployment Benefits

6. Employees Compensation

7. Funeral Benefit

8. Survivorship Benefits
 Life Insurance

One of many the benefits of being a GSIS is life

insurance. GSIS gives you and your loved ones that
much needed peace of mind. It has two insurance
programs available:
 Compulsory
 Optional
 Life Insurance(Compulsory)

 Life Endowment Policy (LEP)

 Coverage against death

 Permanent total disability

 Other benefits upon maturity or separation from

the service
 Life Insurance(Compulsory)

 Benefits

 Maturity Benefit

 Surrender Benefit

 Death Benefit

 Policy Benefit

 Dividends
 Life Insurance(Compulsory)

 Unlimited Optional Life Insurance (UOLI)

 Any policyholder may secure to increase without

any limit to his life insurance coverage
 Life Insurance(Optional)

 Benefits
 Death Benefit
 Maturity
 Cash Surrender Value
 Dividends
 Policy Loan
 Accident Death Benefit
 Waiver of Premiums in case of Permanent & Total
Disability
 Retirement Benefits

 Retirement

 Retirement under RA 8291

 Retirement under PD 1146

 Retirement under RA 660

 Retirement under RA 1616 or Gratuity

 Retirement Benefit
 Retirement Benefits

Retirement under RA 8291

 This retirement mode provides two options:
 Lump Sum and Old Age Pension (Option 1)
 60 months of the Basic Monthly Pension (BMP)
payable at the time of retirement.
 old age pension benefit payable monthly for life.
 if the reitiree is still living after the 5 years
guaranteed period.
 Retirement Benefits

Cash payment and Basic Monthly Pension

(Option 2)
 Cash payment is equivalent to 18 times the
Basic Monthly Pension (BMP)

 payable upon retirement

 monthly for life payable from date of

retirement
 Retirement Benefits

Retirement under PD 1146

 The retirement mode applicable if you have been in
service after May 31, 1997 but before June 24, 1997
 The retiree must have rendered at least 15 years of
service, regardless of age.
 If retiree is below 6 years old upon retirement, he / she
my avail of retirement benefits only upon attaining his
60th birthday.
 Retirement Benefits

Retirement under RA 600

 The retirement mode applicable if you were in the service

on or before May, 31, 1977

 Automatic Pension

 Retirees before 60 years old shall be qualified to a

monthly annuity guaranteed for 5 years with the option
to request for one-year lump sum every six months.
 Retirement Benefits

Retirement under RA 600

 If the retiree is still living after the 5-year guaranteed period,
the/she shall be entitled to a monthly pension for life.

 Initial three-year lump sum

 At least 60 years old but less than 63 years on sate of

retirement, the benefit is a 3-year lump sum.

 The subsequent two-year lump sum shall be paid to the

retiree on his 63rd birthday.
 Retirement Benefits

Retirement under RA 660

 If the retiree is still living after the 5-year guaranteed

period, he/she shall be entitled to a monthly pension for
life.

 Five year lump sum

 At least 63 years of age or over on the date of retirement

 If still living after the 5-year guaranteed period, the

retiree shall be entitled to a monthly pension for life
 Retirement Benefits

Retirement under RA 1616 or Gratuity Retirement

Benefit

 The retirement mode applicable if you were in the service

on or before May 31,1997At least 20 years of service
regardless of age and employment status

 His/her last 3 years of service prior to retirement must be

continuous
 Separation Benefits

 New benefit given to employees who have not reached the

retirement age (60) but have been separated from the
service

 RA 8291 (June 24,1997)

 The benefit is in the form of:

 Cash Payment

 Cash Payment and Pension

 Separation Benefits

 QUALIFICATIONS
 At least 3 years but less than 15 years service
 Below 60 years of age cash payment equivalent tp 100% of the
average monthly compensation (AMC) for every year of service
payable upon reaching age 60

 BENEFITS
 At least 15 years service
 Below 60 years of age Cash Payment equivalent to 18
times the Basic Monthly Pension, payable upon
separation and Monthly Pension for life starting at age 60
 Disability Benefits

 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:
 The employee’s actual loss of income from the usual
occupation
 The capacity to engage in any other gainful
occupation because of impairment
 Disability Benefits

KINDS OF DISABILITY

 Permanent Total

 Permanent Partial

 Temporary Total
 Unemployment Benefits

 Permanent government employee

 Has paid the required 12 months

 The benefit is in the form of monthly cash payments

equivalent to 50% of the average monthly compensation

(AMC)

 The duration of benefits depends on the length of service

and ranges from 2 months to a maximum 6 months

 Funeral Benefits

 Beneficiaries are entitled to a P20,000 funeral

benefit

 Payable upon the death of a member or old age

pensioner
 Survivorship Benefits

 When a member or pensioner dies

 Beneficiaries are entitled to cash and/or pension

benefits

 Beneficiaries who qualify for survivorship pension

are entitled fifty percent (50%)of the basic monthly

pension of the member or pensioner
 Pensioners

 Pension Loan

 Loan to a widow

 To create a loan facility that caters to the needs of

pensioners who fall prey to usurious lending

 Granted the opportunity to borrow one to six times the

amount of their monthly pension but not to exceed
P100,000
 Pensioners

 Pensioners’ Privileges

 GSIS old age pensioner

 Cash Gift

 Given to a pensioner once a year

 Equivalent to a one month pension up to a maximum of

P12,600

 Recipients include old-age/retirement pensioners(joint life

retirees, disability pensioners and joint life beneficiaries)
 Pensioners

 GSIS Hospitalization Support Program

 Active GSIS member and old-age pensioners

 30% discount on room rates, medicines and supplies

 10% discount on doctors’ fees

 40% discount on other medical procedures

 50% discount when using state of the art medical equipment

provided by the GSIS

 10% discount on all services for dependents of active members

 Filing Claim for GSIS

How to file a claim for EMPLOYEES’

COMPENSATION BENEFITS at the GSIS:

Public sector workers who suffer from work-connected

sickness or injury resulting to disability, or their families in
case of work-connected death, may file claims for EC benefits
at the Government Service Insurance System (GSIS). These
benefits are in addition to the PhilHealth or the GSIS
benefits.
 Filing Claim for GSIS

Where to file your EC Claim?

Any GSIS Regional Office nearest to the place of work

or residence of the covered member.
 Filing Claim for GSIS

Documents needed to support the Claim:

1. Claim for disability benefits
(a) Sickness resulting to disability
(1) Updated service record
(2) Statement of duties and responsibilities
(3) Hospital record of confinement
(4) Official receipts in payment of hospital bills, professional fees and
medicines purchased from the drugstore
(b) Injury resulting to disability
(1) Updated service record
(2) Statement of duties and responsibilities
(3) Police investigation report, employer’s report of injury, death/
casualty (for civilian employees) spot report, investigation report
and or report of proceedings before Line of Duty Board (for AFP
members)
(4) Mission or Travel Order, when applicable
(5) Hospital receipts in payment of hospital bills, professional fees and
medicines purchased from drugstore
 Filing Claim for GSIS

Documents needed to support the Claim:

2. Claim for Death Benefits
(1) Updated service record
(2) Statement of duties and responsibilities
(3) Police investigation report or employer’s report of injury, death or casualty (for
civilian employees) spot report and/or report of proceedings before Line of
Duty Board (for AFP members), when applicable
(4) Mission or Travel Order, when applicable
(5) Hospital record of confinement
(6) Official receipts in payment of hospital bills, professional fees and medicines
purchased from a drugstore
(7) Death certificate issued by the Local Civil Registrar or National Statistics Office
(NSO), and
(8) Declaration of presumptive death by competent authority
 Filing Claim for GSIS

Documents needed to support the Claim:

3. The GSIS may require the submission of other supporting
documents if the supporting papers of the claim are
insufficient to make a proper adjudication of the claim.

For Primary Beneficiaries

a. Death Certificate
b. Marriage Contract
c. Birth Certificate of the deceased worker if single
d. Birth Certificate of children below 21 years old
 Filing Claim for GSIS

For Primary Beneficiaries

a. Death Certificate
b. Marriage Contract
c. Birth Certificate of the deceased worker if single
d. Birth Certificate of children below 21 years old
 Filing Claim for GSIS

For Secondary Beneficiaries

a. Death certificate of deceased employee
b. Marriage contract of parents
c. Death certificate of a parent, if any
d. Birth certificate of deceased employee
e. Affidavit by parents of the deceased that the latter
died single leaving no child/ren and that they/he/she
are/is wholly dependent upon deceased for support.
[all of which shall be original or certified true copies
issued by the National Statistics Office (NSO).]
 Filing Claim for GSIS

4. A certified true copy of the page of the office logbook

containing the entry for the particular sickness,
accident or death;
5. The medical findings of the attending doctor or the
hospital records; and
6. A certification of GSIS and Employee’s
Compensation premium contributions one year prior
to the sickness, injury or death.
 For inquiries:

If you have questions regarding our services, you

may contact us through the following:
New Email Address:
gsiscares@gsis.gov.ph
GSIS CALL CENTER NUMBERS: