GSIS

DISABILITY
BENEFITS

DISABILITY BENEFITS:

Permanent Total Disability Benefits

Permanent Partial Disability Benefits

Temporary Total Disability Benefits

PERMANENT TOTAL DISABILITY

BENEFITS
Permanent total disability means disability caused by injury or disease resulting
in complete, irreversible and permanent incapacity to work or to engage in
any gainful occupation.
The following disabilities shall be deemed total and permanent:
(a) complete loss of sight for both eyes;
(b) loss of two limbs at or above the ankle or wrists;
(c) permanent complete paralysis of two limbs; and
(d) brain injury resulting in incurable imbecility or insanity;
(e) such other cases as may be determined and approved by the GSIS
insanity
- mental disease, mental illness, psychopathy,relatively permanent
disorder of the mind, craziness, dafness, dementedness, dementia,
derangement, flakiness, insaneness, irrationality, lunacy, madness, mental
unsoundness, unbalance, unreason
imbecility - retardation more severe than a moron but not as severe as an idiot,
backwardness, mental retardation, retardation, slowness, subnormality

The permanent total disability benefits for GSIS members are as follows:
(a) If the permanent total disability was suffered while in the service Lifetime monthly
income benefit equal to the basic monthly pension plus cash payment equivalent to 18
times his basic monthly pension, provided that a total of at least 180 monthly
contributions has been paid;
(b) If the permanent total disability was suffered after separation from service Lifetime
monthly income benefit equal to the basic monthly pension effective from the date of
disability, provided that the member has paid:
(i) 36 monthly contributions within the 5-year period immediately preceding his
disability, or
(ii) 180 monthly contribution, prior to his disability
(c) If the member has not paid the required minimum contributions and the permanent total
disability was suffered after separation from service His separation benefit equivalent to
100% of his average monthly compensation for each year of service (but not less than
12,000) shall be paid in advance, provided that he has rendered at least three (3) years of
service at the time of his permanent total disability
NOTE: A member is not entitled to the benefit if the permanent total disability was caused by
his grave misconduct, notorious negligence, habitual intoxication, or willful intention to
kill himself or another.

PERMANENT PARTIAL DISABILITY

BENEFITS
The disability is permanent and partial when the GSIS
member is incapacitated to work for a limited period of
time because of complete and permanent loss of any of the
following body parts:
any finger
one hand
one arm

hearing of one or both ears

sight of one eye
any toe

other cases as may be determined by the GSIS

The permanent partial disability benefits consist in cash
payment in accordance with a schedule of disabilities
prescribed by the GSIS.

A GSIS member is entitled to

permanent partial disability benefit:
(a) if he was in the service at the time of disability.
(b) if separated from service, he has paid at least 36 months contributions within the 5year period immediately preceding his disability; or has paid a total of at least 180
months contributions prior to the disability; provided, that the following conditions are
met:
1. he is gainfully employed prior to the commencement of disability resulting in loss of
income as evidenced by any incontrovertible proof thereof;
2. he is not a registered member of any social insurance e institution; and
3. he is not receiving any other pension either from GSIS or another local or foreign
institution or organization.

NOTE: A member is not entitled to the benefit if the permanent partial disability was
caused by his grave misconduct, notorious negligence, habitual intoxication, or willful
intention to kill himself or another.

TEMPORARY TOTAL DISABILITY

BENEFITS
The disability is temporary and total when the GSIS member is momentarily
incapacitated to work or engage in any gainful occupation as a result of
impairment of physical or mental faculties which can be rehabilitated or
restored to their normal functions.
The temporary total disability benefit of GSIS members is 75% of the current
daily compensation for each day of disability for a period not exceeding 120
days in one calendar year.
NOTE: If the disability requires more extensive treatment beyond 120 days, the
payment of the temporary total disability benefit may be extended by the
GSIS for a period not exceeding 240 days.

A GSIS member is entitled to

temporary total disability benefit
under the following conditions:
(a) The GSIS member must be in the service at the time of his disability
or, if separated, he has:
(i) rendered at least three (3) years of service; and
(ii) paid at least six (6) monthly contributions in the 12-month period
immediately preceding his disability.
(b) The GSIS member must have exhausted all his sick leave credits.
NOTE: A GSIS member cannot enjoy the temporary total disability and
seck leave pay simultaneously.

RETIREMENT
BENEFITS

FORFEITURE OF DISABILITY
BENEFITS
The disability benefits will be automatically forfeited if the GSIS
member refuses or fails:
(a) to have himself medically treated by a physician when required by
the GSIS;
(b) to take the prescribed medications;
(c) to have himself confined in a hospital, when such confinement is
required by the GSIS; or
(d) to avail himself of rehabilitation facilities as may be duly
recommended by the GSIS; or
(e) to observe such precautionary or preventive measures as
prescribed by a physician to prevent the aggravation or continuance
of his disability.

RETIREMENT BENEFITS

To be entitled to the retirement benefits, the GSIS member must meet the
following conditions:
(a) he has rendered at least fifteen (15) years of service;
(b) he is at least sixty (60) years of age at the time of retirement; and
(c) he is not receiving a monthly pension benefit from permanent total
disability.
A retiring GSIS member has the following options:
(a) 5-year lump sum equivalent to 60 months of basic monthly pension.
After the lapse of the 5-year period, old-age pension benefit equal to the
basic monthly pension payable for life; or
(b) cash payment benefit equivalent to 18 times of the basic monthly
pension plus monthly pension for life.

Effect of Death of the GSIS Member While the Retirement Claims

are Being Processed:

Effect of Death of the GSIS Member While the Retirement Claims

are Being Processed:
(a) If the deceased member opted for 5-year lump sum benefit, his legal
heirs shall be entitled to 5-year lump sum benefit equivalent to 60
months basic monthly pension. But the survivorship pension shall be
granted only after the end of the 5-year guaranteed period;
(b) If the deceased member opted for immediate pension, his legal heirs
shall be entitled to the cash payment benefit equivalent to 18 months
of basic monthly pension, plus accrued pension up to the date of death
of the retiree.
(c) If the deceased member failed to indicate any retirement option, the
retirement benefit shall be computed as if he opted for immediate
pension.

SURVIVORSHIP
BENEFITS

SURVIVORSHIP BENEFITS
If the GSIS member dies, the primary beneficiaries are entitled to the following
survivorship benefits, whichever is applicable:
(a) Survivorship pension, under the following conditions:
(i) the deceased was in the service at the time of his death; or
(ii) if separated from the service,
-has at least three (3) years of service at the time of his death and has paid
thirty-six (3) monthly contributions within the five-year period
immediately preceding his death; or
-has paid a total of at least 180 monthly contributions prior to his death;
(b) Survivorship pension plus a cash payment equivalent to 100% of average
monthly compensation for every year of service, under the following
conditions:
(i)the deceased was in the service at the time of his death; and
(ii)must have rendered at least 3 years of service.
(c) Cash payment equivalent to 100% of his average monthly compensation for
each year of service he paid contributions, but not less than Php12,000.00,
under the following conditions:
(i)the deceased has rendered at least 3 years of service prior to his death;
(ii)but does not qualify for survivorship pension mentioned above.

SURVIVORSHIP BENEFITS

The survivorship pension shall be paid to :

(a) the dependent spouse if she is the only survivor, to be enjoyed for
life or until he/she remarries;
(b) the dependent children if they are the only survivors, to be enjoyed
for as long as they are qualified, plus the dependent children's pension;
(c) the dependent spouse and the dependent children, if they are survivors
the dependent spouse shall receive the basic survivorship pension for
life or until he/she remarried, while the dependent children shall
receive the dependent children's pension equivalent to 10% of the
basic monthly pension for every dependent child not exceeding 5,
counted from the youngest and without substitution.

SURVIVORSHIP BENEFITS

If there are no primary beneficiaries, the survivorship benefits shall be

paid to the secondary beneficiaries in the following amount:
Cash payment equivalent to 100% of the average monthly
compensation for each year of service he paid contributions, but not
less than Php12,000.00, if the GSIS member:
(i)was in the service at the time of his death; and
(ii)has at least 3 years of service
In the absence of secondary beneficiaries, the benefits shall be paid to
his legal heirs.

FUNERAL
BENEFITS

FUNERAL BENEFITS

Funeral benefit is intended to help defray the expenses incident to the

burial and funeral of the deceased member, pensioner or retiree. It is
payable to any qualified individual, in accordance with the
following order of priority:
(a) legitimate spouse;
(b) legitimate child who spent for the funeral services; or
(c) any other person who can show incontrovertibly proof that he
shouldered the funeral expenses of the deceased.
[Retiree- someone who has retired from working, nonworking]

LIFE INSURANCE BENEFIT

The GSIS life insurance is compulsory and
available to all employees, except for Members
of the Armed Forces of the Philippines and the
Philippine National Police.

THANK YOU
Presentation by:
Maria Veronica I. Parilla