STATE INSURANCE FUND GSIS SSS

As to Employer Any person, natural or juridical employing o National government

the services of an EE (conventional ER o GOCC Being employed is not necessary,
definition) o Financial institution with original as long as the claimant is a
charters member
o CONCOM and Judiciary
As to Beneficiary I. PRIMARY BENEFICIARIES I. PRIMARY BENEFICIARIES I. PRIMARY BENEFICIARIES
1. SPOUSE 1. SPOUSE 1. SPOUSE
 Legal dependent  Legal dependent  Legal dependent
 Spouse until he/she remarries  Spouse until he/she remarries  Spouse until he/she remarries
2. CHILDREN 2. CHILDREN 2. CHILDREN
 Dependent  Dependent  Dependent
II. IN ABSENCE OF PRIMARY II. IN ABSENCE OF PRIMARY  Legitimate
BENEFICIARIES – SECONDARY BENEFICIARIES – SECONDARY  Legitimated legally adopted
BENEFICIARIES BENEFICIARIES  ILLEGITIMATE – entitled to
1. Dependent parents 1. Dependent parents 50% share of the legitimate,
2. Illegitimate children*(conditions imposed 2. Illegitimate children*(conditions legitimated and legally adopted
as dependent children) imposed as dependent children) children
3. Legitimate descendants 3. Legitimate descendants *(conditions II. IN ABSENCE OF PRIMARY
**dependent acknowledged natural child imposed as dependent children) BENEFICIARIES –
shall be considered PRIMARY BF when SECONDARY
there are no other dependent children BENEFICIARIES
1. Dependent parents
2. Designate others, in the
absence
As to Coverage All ER and EEs not over 60 y/o  All PERMANENT employees BELOW All employees not over 60 years of
Provided that EE who is OVER 60 y/o and 60 y/o age and their employesrs
paying contributions  all elective and appointive officials
during their tenure
 even the member was separated from
the service
As to 1. CHILD 1. CHILD 1. CHILD
Dependents a. Legitimate a. Legitimate a. Legitimate
b. Legitimated b. Legitimated b. Legitimated
c. Legally adopted c. Legally adopted c. Legally adopted
d. Acknowledge natural child d. Acknowledge natural child d. Acknowledge natural child
 (a-d) should:  (a-d) should:  (a-d) should:
 Unamarried  Unamarried  Unamarried
  Not gainfully employed  Not gainfully employed  Not gainfully employed
 AND not over 21 years of age  AND not over 18 years of age  AND not over 21 years of age
 OVER 21 years of age: PROVIDED he  OVER 18 years of age: PROVIDED  OVER 21 years of age:
is: he is: PROVIDED he is:
 INCAPACITATED  INCAPACITATED  INCAPACITATED
 Incapable of self support due to  Incapable of self support  Incapable of self
physical and mental defect due to physical and mental support due to
which is CONGENITAL or defect which is physical and mental
ACQUIRED during MINORITY CONGENITAL or defect which is
2. SPOUSE ACQUIRED during CONGENITAL or
 Legitimate MAJORITY ACQUIRED during
 Living with the employee 2. SPOUSE MINORITY
3. PARENTS  Legitimate 2. SPOUSE
 Wholly dependent upon him for  Dependent for support with  Legitimate
regular support the pensioner or member 3. PARENTS
3. PARENTS  Wholly dependent upon
 LEGITIMATE and dependent him for regular support
upon him for support
As to injury/ Necessary Not necessary Not necessary
death/ sickness  Injury – arise from the course of (being a member is sufficient) (being a member is sufficient)
(relation to work) employment
 Sickness – occupational disease
 Theory of increase risk, in case not
listed
 Caused by 3rd party, subrogation
applies
As to limitation Not liable if the injury/death is caused by: N/A N/A
o Intoxication
o Willful intention to kill/injure himself
o Notorious negligence