The Government Service Insurance System (GSIS) is a government-owned corporation in the Philippines mandated to provide social security benefits like life insurance, retirement benefits, disability benefits, and death benefits to government employees. Key benefits include compulsory and optional life insurance, various retirement programs, disability benefits for work-related and non-work injuries, employees' compensation, and survivorship benefits for beneficiaries. The GSIS is governed by a Board of Trustees and has over 3,000 employees serving through branches nationwide.

1. Government Service Insurance System
The Government Service Insurance System (Filipino: Paseguruhan ng mga Naglilingkod sa
Pamahalaan, abbreviated as GSIS) is a government owned and controlled corporation (GOCC) of
the Philippines. Created by Commonwealth Act No. 186 passed on November 14, 1936, the GSIS is
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 and death benefits. In addition, the GSIS is entrusted with the administration of
the General Insurance Fund by virtue of RA656 of the Property Insurance Law. It provides insurance
coverage to assets and properties which have government insurable interests.
Legislation[edit]
Coverage[edit]
The GSIS covers all government workers irrespective of their employment status, except employees
who have separate retirement schemes under special laws, to wit:
 Members of the Judiciary and Constitutional Commissions
 Contractual employees who have no employee-employer relationship with their agencies
 Uniformed members of the Armed Forces of the Philippines, and the Philippine National Police,
including the Bureau of Jail Management and Penology, and the Bureau of Fire Protection.
Benefits and services[edit]
The principal benefit package of the GSIS consists of compulsory and optional life insurance,
retirement, separation and employee's compensation.
Active GSIS members are entitled to the following loan privileges: salary, policy, emergency and
housing loans.
Organizational structure[edit]
The governing and policy-making body of the GSIS is the Board of Trustees, the members of which
are appointed by the President of the Philippines.
The GSIS workforce consists of 3,104 employees, 52% of whom are in the Head Office while the
remaining 48% are in the Branches. To date, there are 40 branches and 78 satellite offices
nationwide. It is envisioned that the System's service network will continue to increase as the
institution is committed to provide branch offices in every province where there exists a minimum of
15,000 active members.

2. Old GSIS Headquarters Building[edit]
The Government Service Insurance System Building, built in 1952 in Arroceros (near SM Manila, the
previous location of the YMCA Building) was one of the first of the new buildings programmed for the
New Republic to be completed. Designed by Federico Ilustre, the structure's character stand at the
intersection between neoclassical and modern aesthetics. As a transitional style for government
architecture, its façade generated a series of ascending fluted pillars that had neither bases nor
capitals to express a stripped and simplified modern stye, yet, at the same time, it has the character
of classical massings and proportions. The corner of the building had been rounded, forming a
corner tower with three vertical bays of windows ascending from the entrance canopy. To the left of
this corner tower, a flat wall was fenestrated with vertical louvers and pierced screen insets. The
elevation in the other corner was defined by horizontal bands of windows and concrete planes.[1]
The GSIS building used to house the main office of the then Ministry of Education, Culture and
Sports, and of the Office of the Ombudsman. Some of its outer rooms currently house the office of
city election officers and several branches of the metropolitan trial court.[2]
This heritage building,right behind Manila City Hall is being targeted next for demolition and in clear
violation of the law on heritage. The owners have been asked by Manila City Hall when they were
going to demolish this Federico Ilustre landmark.[3]
Coconut Manila had asked James Jao, the architect and London School of Economics-trained urban
planner on the plan for rescuing the built heritage structure. "This building can be gentrified into a
mixed-use development. By retaining the existing structure, it can be the podium of a high-rise
building behind including an atrium... The existing GSIS Building can host upscale retail shops and
some restaurants, with a lobby/reception on one side for the hotel or condominium (office or
residential). This approach can complement the existing SM City mall. An underground walkway can
connect both the GSIS and SM," he responded.[4]
Computerization[edit]
Databasecrash[edit]
On April 2 and May 11, the GSIS Integrated Loans, Membership, Acquired Assets and Accounts
Management System (ILMAAAMS) went into a database crash, causing the agency to incur a
backlog in its processing of claims and loan applications. The GSIS filed on June 1, 2011, a P100-
million damage suit against the IBM Philippines and its parent firm, as well as contractor Questronix
Corp. for supplying defective database software that led to the computer crash.[5]
UMID[edit]
The GSIS was the first government agency in the Philippines to adopt the Unified Multi-Purpose
ID System, "which aims to streamline and harmonize the identification systems of all government

3. agencies and government-owned and controlled corporations through the use of a unified multi-
purpose ID".[6]
On August 16, 2011, the GSIS announced that enrollment for the eCard has reached
its one million mark.[6]
Investments[edit]
On January 25, 2008, GSIS President and General Manager Winston F. Garcia announced "that it
will be investing a total of $5 billion in fixed income, equities and properties [in the Philippines] and
abroad ... initially investing $1 billion this year in global markets, and another $1 billion locally".[7]
Life Insurance
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One of the many benefits of being a GSIS member is life insurance. GSIS gives you and your loved ones that much
needed peace of mind. GSIS has two insurance programs available:
EnhancedLife Policy
The GSIS provides life insurance coverage to you, GSIS member, even the very first day you entered government
service after receipt of payment of the 1st monthly premium.
If you entered the government service after July 31, 2003, you are automatically covered with an Enhanced Life
Policy (ELP). Members whose policies have matured will also be covered by the ELP.
Life EndowmentPolicy
As a GSIS member,you automaticallyenjoylife insurance benefits,providing protection for you and your loved ones.
If you entered the service prior to August 1, 2003, you are entitled to the Life Endowment Policy (LEP).
LEP also provides coverage againstdeath whether due to natural or accidental causes,permanenttotal disabilityand
other benefits upon maturity or separation from the service.
Apart from the superior life insurance packages these programs offer, policy holders can also avail of policy loan.

4. Policy Loan
Policy loan is a loan program which you can avail from your GSIS life insurance policy. The unique features of the
Policy Loan are: (a) payment is not mandatory (unlike other GSIS loan products) and (b) it is renewable every year.
Retirement Programs
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You have spent years working for the government. GSIS ensures that you are sufficiently rewarded when you finally
decide to take that big step towards retirement.
The GSIS offers various retirement programs depending on the qualifications of the member. GSIS has retirement
packages generally acknowledged to be one of the most generous in the country-ensuring financial freedom for its
members, especially after they leave the service.
RetirementUnder RA 8291
Five-year lump sum or cash payment with instant pension-choose your personal reward.
Retirementunder Republic Act 660
Also called "Magic 87", this option provides both annuity and lifetime pension.
Retirementunder Republic Act 1616
Refund your GSIS premiums with this "take-all" option at the same time get gratuity payment from your employer.

5. Portability Law (RA 7699)
Combine your GSIS and SSS creditable years of service to qualify for retirement program offered by both pension
funds.
Retirementunder PresidentialDecree1146
Only those who have been in government service after May 31, 1977 but before June 24, 1997 can avail of this
retirement program. Retirement under PD 1146 gives you a choice between a Basic Monthly Pension (BMP) an d
Cash Payment.
Disability
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Disabilitybenefits are benefits granted to a member 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:
1. The employee's actual loss of income from the usual occupation
2. The capacity to engage in any other gainful occupation because of impairment
A disability may either be:
Permanent Total
Permanent Partial
Temporary Total
Injuries resulting in any of the following are deemed Permanent Total Disability (PTD)
a. Complete loss of sight of both eyes
b. Loss of two limbs at one or above the ankle or wrist
c. Permanent complete paralysis of two limbs
d. Brain injury resulting in incurable imbecility, insanity or other irreversible conditions
The benefits for Partial Total Disability are as follows.
1. If the member is in the service with less than 15 years of service, benefit can be either:
a. Basic Monthly Pension
2. If the member is in the service with at least 15 years of service, benefit can be either:
a. Basic Monthly Pension
b. Cash payment of 18 times the Basic Monthly Pension

6. 3. If the member is separated from service with 36 monthly contributions within the 5-year period immediately
preceding PTD, benefit can be either:
a. Basic Monthly Pension
4. If the member is separated from service with 180 monthly contributions prior to PTD, benefit can be either:
a. Basic Monthly Pension
5. If the member has at least 3 years service with contributions, but PTD occurs 5 years after separation from the
service, benefit is:
Cash payment equal to 100% of AMC X Service (but not less than P12,000) payable immediately. No more
separation benefit shall be paid in the future.
Injuries resulting in any of the following are deemed Permanent Partial Disability (PPD)
Complete and permanent loss of the use of: any one finger, any toe, one arm, one hand, one foot, one leg, one or
both ears, sight of one eye or such other cases as may be determined by the System
The benefits for Permanent Partial Disability are as follows:
1. If member is in the service, benefit is:
Cash payment CP = BMP X nos. of PTD months as recommended by the GSIS medical evaluator
2. If the member is separated from the service but has paid 36 monthly contributions within the last 5 years
immediately preceding the disability or has paid at least 180 monthly contributions, benefit is:
Cash payment CP = BMP X nos. of PTD months as recommended by the GSIS medical evaluator
Employees' Compensation
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The Employees'Compensation (EC) benefits or disability benefits is a compensation package for public an d private
sector employees and their dependents in the event of work-related injury, sickness, disability or death. The EC is a
purely employer-based contribution benefit. Thus, the employee is not required to contribute any amount to the
program. The employee compensation benefits are in the following options:
1. Cash income benefits for disability or death
2. Medical and related services for injury or sickness
3. Rehabilitation services ( in addition to monthly cash income benefit) for permanent disability
The benefits given to the employee or his beneficiaries are in the form of:
1. Daily cash income benefit for temporary total disability (TTD)

7. 2. Monthly cash income benefit for permanent total disability (PTD) on a lifetime basis
3. Monthly cash income benefit for permanent partial disability (PPD)
4. Monthly cash income benefit for death, also on a lifetime basis, except for benefit paid to secondary
beneficiaries,which is a monthlypension notto exceed 60 months butnot less than fifteen thousand pesos
5. Medical services, appliances and supplies for injury or sickness
6. Rehabilitation services for permanent disability
7. Carer's allowance for permanent disability.
The Compensability Conditions are as follows:
1. Injury must be the result of accident arising out of and in the course of employment.
2. Sickness mustbe listed /considered an "occupational disease";or even if not listed as one,it mustbe shown
that the risk of contracting the sickness is increased by the working conditions.
3. Disability/Death is caused by work-connected injury or sickness
There are exceptions to Compensability or injury, sickness, disability or death. These exceptions are
applicable when any of these is due to the employee's:
1. Intoxication or drunkenness
2. Willful intention to injure or kill himself or another
3. Notorious negligence
4. Not work-related
Here are the Occupational Diseases under PD626
1. Papilloma of the bladder
2. Cancer, epithellomatous or ulceration of the skin or of the corneal surface of the eye
3. Cataracts
4. Deafness
5. Decompression sickness, Caisson disease, and Aeroembolism
6. Dermatitis due to irritants and sensitizers
7. Infections, namely: Anthrax, Brucellosis, Glanders, Rabies, Tuberculosis, Tularemia, Weill's disease, Q
Fever or equine encephalomyelitis, Mite dermatitis
8. Ionizing radiation disease,inflammation,ulceration or malignantdisease ofthe skin or subcutaneous tissues
of the bones or leukemia or anemia of the aplastic type due to X-rays, ionizing particles, radium or other
radioactive substances,namely:Acute radiation syndrome:Chronic radiation syndrome and Glass blower's
cataract
9. Poisoning
10. Pneumoconiosis
11. Diseases caused by abnormalities in temperature and humidity
12. Vascular disturbance in the upper extremities due to continuous vibration from pneumatic tools or power
drills, riveting machines or hammers
13. Viral hepatitis
14. Poisoning by cadmium
15. Leukemia and lymphoma
16. Cancer of the stomach and other lymphatic and blood forming vessels, nasal cavities and sinuses
17. Cancer of the lungs, liver and brain
18. Cardio-vascular diseases
19. Cerebro-vascular accidents
20. Malaria and schistosomiasis
21. Pneumonia
22. Hernia
23. Bronchial asthma
24. Osteoarthritis
25. Viral encephalitis
26. Peptic ulcer
27. Pulmonary tuberculosis
28. Viral hepatitis
29. Essential hypertension
30. Asbestosis

8. Burial
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GSIS retirees are qualified for burial benefit, providing much needed assistance to their loved ones on their moment
of grief.
Survivorship
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When a member or pensioner dies,his or her beneficiaries are entitled to cash and/or pension benefits,subjectto the
existing rules and regulations on survivorship and policies on the maximum amount of survivorship pension.
Coverage
 All primary and secondary beneficiaries residing in the Philippines or abroad who are existing survivorship
pensioners or claiming for survivorship benefit;
 Those who were receiving survivorship benefits but were suspended when the policy on the same was amended
and implemented in August 2009; and
 Those who applied for survivorship benefits but were disapproved due to the issuance/approval of Management
Implementing Guidelines (MIG) 01-2009 dated October 22, 2009 that took effect as early as August 2009, and MIG
04-2010 dated April 26, 2010.
Eligibility Requirements
1. When a member or pensioner dies, the primary beneficiaries (surviving legal spouse and dependent
children) or secondary beneficiaries, as the case may be, shall be entitled to the applica ble survivorship
benefits.
2. The primary beneficiaries[1] shall be the following:
o * The legitimate spouse, until s/he re-marries, or co-habits/engages in common-law relationship; and
o * The dependentlegitimate,legallyadopted or legitimated children,including illegitimate children, who have
not reached the age of majority, or, have reached the age of majority but incapacitated and incapable ofself-
support due to a mental or physical defect acquired prior to age of majority
3. The secondary beneficiaries shall be the dependent parents and, subject to the restrictions on dependent
children, the legitimate descendants[2].
The secondary beneficiaries shall only be entitled to survivorship benefits if there are no primary beneficiaries[3].
Maximum Amount of Survivorship Pension
1. The surviving spouse shall be entitled to basic survivorship pension which is fifty percent (50%) of the Basic
Monthly Pension (BMP) but not to exceed fifty percent (50%) of the current Step 8[4] salary of an
Undersecretary, pursuant to the Salary Standardization Law and its amendments.
For example, if the salary of an Undersecretary is equal to P63,380.00 and the BMP of the deceased
member/pensioner is equal to P70,000.00, the maximum amount of survivorship pension is P31,690.00
(50% of P63,380.00) for the surviving spouse, not P35,000.00 (50% of P70,000.00).
However, the existing survivorship pensioners (surviving spouse) who are receiving more than the said limit
shall not be subjected to this policy.
For survivorship pensioners whose survivorship pensions were suspended as a resultof the previous policy,

9. the amounts accruing for the period they were suspended shall be restored by the GSIS, subject to the
maximum amountofsurvivorship pension provided under this policy.On the other hand, for surviving spouse
whose applications for survivorship benefits were denied as a resultofthe previous policy, their applications
may be submitted to GSIS, and if found to be qualified, their benefits shall be granted and computed
retroactively, subject to the maximum amount of survivorship pension provided under this policy.
2. The dependent children shall be entitled to dependent children’s pension for a maximum of five (5)
children, equivalent to 10% of the BMP for each child but not to exceed fifty percent (50%) of the BMP,
counted from the youngest and without substitution.
3. The maximum amount of basic survivorship pension prevailing at the time of death of the member or
pensioner shall apply. Any subsequentincrease/s in the Step 8 salary of an Undersecretary will not result
in any adjustment to the survivorship pension already being received by the surviving spouse.
Disqualification / Discontinuance to Entitlement to Survivorship Pension of
Dependent Spouse and/or Children
1. The payment of survivorship pension to the surviving spouse shall be discontinued when s/he re-marries,
cohabits/engages in common-law relationship.
2. In the case of the dependentchildren,survivorship pension shall be discontinued upon reaching the age of
majority.
3. When the dependentspouse and dependent children are already receiving the basic survivorship pension
and dependentchildren’s pension,respectively,any subsequentdeath,emancipation or disqualification
of any one of them shall not result in the accrual of that portion of benefits to the other beneficiaries.
Documentary Requirements
Basic Documents
1. Application Form
2. Ombudsman Clearance
3. Death certificate of member/pensioner issued by the National Statistics Office (NSO)
4. Last Day of Actual Service; and
5. Two (2) valid IDs of payees
If Married
1. Marriage certificate between the deceased and his/her spouse issued by NSO
2. Affidavit of Surviving spouse
3. If spouse is not a GSIS member, Birth Certificate issued by NSO
4. Birth Certificate/s of minor/incapacitated children issued by NSO
5. If with minor/incapacitated children, Affidavit of Guardianship
6. If the legal guardian is not the natural parent, the affidavit should be supported by a Certification from the
Barangay and DSWD
If Single
1. If with minor/incapacitated children, Affidavit of Guardianship
2. If the legal guardian is not the natural parent, the affidavit should be supported by a Certification from the
Barangay and DSWD; and
3. If guardian is not a GSIS member, Birth Certificate issued by NSO
If without primary beneficiary (with Parents)
1. Birth Certificate of member issued by NSO
2. Marriage Contract of member’s parents issued by NSO

10. 3. Birth Certificate of member’s parents issued by NSO if parents are not GSIS members/pensioners.
If without primary beneficiary (without Parents; with Siblings)
1. Birth Certificate of member issued by NSO
2. Marriage Contract of member's parents issued by NSO
3. Death Certificates of member's parents issued by NSO
4. Birth Certificate of member's parents issued by NSO
5. Affidavit of Surviving Legal Heirs stating among others that affiants are the only surviving legal heirs of the
deceased member,their date of birth and relationship to the deceased member and that they are executing
the document for the purpose of claiming the benefit from GSIS
6. Birth Certificate of all the siblings of the deceased member issued by NSO
7. Marriage Contract of all the female siblings of the deceased member issued by NSO
8. If with deceased brother or sister, extra judicial settlement among the legal heirs of the deceased brother /
sister of the member designating one payee
Additional Requirements for Muslim Members
1. Proof of Surviving legal heirs indicating all the wives and children
2. If only one (1) spouse is claiming: submit duly notarized affidavit that her husband has no other
marriages/wife
3. Court Order for Guardianship should be issued in the absence of parent for minor children
4. Application for survivorship must be duly endorsed by the office and a certification indicating the legal
spouse/s and children/s of the deceased
Effectivity
The above policies on survivorship benefits shall be implemented retroactively from the time the existing policies on
eligibility requirements of a surviving spouse to survivorship benefits were adopted.
[1] Sections 2 (f) and (g), Republic Act No. 8291
[2] Sections 2 (h)
[3] Section 21 (c)
[4] Step 8 is equivalent to P63,380.00.
Frequently Asked Questions on Survivorship Benefits
Why did the GSIS revise the existing policy on the grant of survivorship benefits?
The existing policies on the grant of survivorship benefits were revised by Management with the goal of granting
equitable benefits to survivorship pensioners,taking into consideration the specific provisions under the Family Code,
such that dependencyfor supportof the surviving spouse to the deceased GSIS member shall not be dictated by the
surviving spouse’s financial status or capability.Â
Given the said revisions,members and pensioners are secured oftheir future benefits in GSIS without compromising
the financial viability of the Social Insurance Fund.
Who will be covered by this new policy?

11. The following shall be covered by this new policy:
1. All primaryand secondarybeneficiaries residing in the Philippines or abroad who are existing s urvivorship
pensioners or claiming for survivorship benefit;Â
2. Those who were receiving survivorship benefits but were suspended when the policy on the same was
amended and implemented in August 2009; and
3. Those who applied for survivorship benefits but were disapproved due to the issuance/approval of
Management Implementing Guidelines (MIG) 01-2009 dated October 22, 2009 that took effect as early as
August 2009, and MIG 04-2010 dated April 26, 2010.
Who are the primary and secondary beneficiaries?
The primary beneficiaries shall be the following:
1. The legitimate spouse, until he/she re-marries, or co-habits/engages in common-law relationship; and
2. The dependentlegitimate, legally adopted or legitimated children, including illegitimate children, who have
not reached the age of majority, or, have reached the age of majority but incapacitated and incapable ofself-
support due to a mental or physical defect acquired prior to age of majority.
The secondarybeneficiaries shall be the dependent parents and, subject to the restrictions on dependent children,
the legitimate descendants.
When will a surviving legal spouse or dependent children be disqualified from receiving the survivorship
pension?
The payment of survivorship pension to the surviving dependent spouse shall be discontinued when he/she re-
marries or cohabits/engages in common-law relationship.
On the other hand,the dependentchildren shall be disqualified from receiving the survivorship pension once he/she
reaches the age of majority.
What will happen to the survivorship pension being received by the surviving spouse and dependent
children when any of them dies or becomes disqualified from receiving the survivorship pension?
When the surviving spouse and dependent children are already receiving the basic survivorship pension and
dependentchildren’s pension,respectively,any subsequentdeath,emancipation or disqualification of any one of
them shall not result in the accrual of that portion of benefits to the other beneficiaries.
How will the beneficiaries claim for survivorship benefits?
The application for survivorship benefits should be filed together with the documentary requirements, including the
following affidavits:
1. Affidavit of Surviving Spouse;
2. Affidavit of Guardianship of Incapacitated Dependent Child. The Affidavit shall be supported by a court
order. In the absence of a court order, the Affidavit shall be supported by a Certification of Guardianship
from the Barangay Captain and the City/Municipal Social Welfare Head where the incapacitated dependent
child is residing; and
3. Affidavit of Guardianship of Minor Dependent Child. The Affidavit shall be supported by a court order. In
the absence of a court order, the Affidavit shall be supported by a Certification of Guardianship fro m the
Barangay Captain and the City/Municipal Social Welfare Head where the minor dependent child is residing.
Will the secondary beneficiaries and legal heirs be required to comply with the submission of the Affidavits?
The secondary beneficiaries and legal heirs, since they are not entitled to pension, shall not be required to comply

12. with the submission of the said affidavits.
How can a child of minor age or with physical or mental incapacity claim for survivorship benefits?
The guardian of the minor child or child with physical or mental incapacity should secure a court order. In the
absence of a court order, the Affidavit shall be supported by a Certification of Guardianship from the Barangay
Captain and the City/Municipal Social Welfare Head where the dependent child is residing. This should be
submitted to the GSIS as a supporting document to the application for survivorship benefits and to the Affidavit of
Guardianship of Minor Dependent Child or Incapacitated Dependent Child.
What will happen if the survivorship pensioners fail to execute the Affidavit of Surviving Spouse/Children for
that year?
Failure on the part of the survivorship pensioner/s to submit the required affidavit shall be a ground for the
suspension of the survivorship pension.
When will the secondary beneficiaries be entitled to survivorship benefits?
The secondary beneficiaries shall be entitled to survivorship benefits only if there are no primary beneficiaries and
shall be subject to limitations defined by GSIS.
Who will be entitled to receive the survivorship benefits if there are no primary and secondary beneficiaries?
In the absence of primary and secondary beneficiaries, the legal heirs, as defined under the Rules on Succession,
New Civil Code of the Philippines, shall receive the applicable cash benefit depending on the eligibility of the
deceased member or pensioner.
The cap on the amount of basic survivorship pension is fifty percent (50%) of the current Step 8Â salary of
an Undersecretary, pursuant to the Salary Standardization Law and its amendments. What is the basis for
this?
The position ofan Undersecretaryis the highestcareer position in the government,hence, the mostappropriate basis
when putting a cap on the basic survivorship pension. As of December 2010, there is only 0.24% of the general
membership who is receiving more than the current Step 8 salary of an Undersecretary, and, consequently, will be
affected by this policy.
Why did the GSIS put a cap on the amount of basic survivorship pension?
RA 8291 mandates the periodic review of its rules and regulations to ensure their responsiveness to its members as
well as to safeguard the financial viability of the System.
Applying a ceiling on the basic survivorship pension,particularlyfor those who have received salaries more than that
of an Undersecretary, is a measure to guarantee the actuarial soundness of the System. More importantly, it is a
mechanism to bring aboutequity and fairness among members and their survivors, regardless of whether they come
from an agency within or exempt from the Salary Standardization Law (SSL).
The pension is derived from the basic monthly pension (BMP) of a member. The BMP is based on the average
monthlycompensation (AMC) which is determined from the aggregate compensation received by the member during
his/her last36 months. Generally, the last 36 months of service of a government employee corresponds to higher
compensation as compared to his service prior to the said period. Hence, the premium contributions that were
collected during the prior services are lower than those for the last 36 months. This results to a disproportionate
relation between the aggregate contributions with the last compensation and, consequently, any pension, including
survivorship pension.

13. To put a cap on the amount that certain income groups in SSL-exempt agencies at the level of the highest career
position of SSL agencies is intended to avert an unfair situation where members or their survivors in regular SSL
agencies,who are alreadyreceiving less, will eventually be subsidizing the pensions of members or their survivors,
who are already receiving more.
How will the survivorship pension of the dependent children be computed, 10% of the BMP or 10% of the
cap?
The survivorship pension of the dependent children shall be computed at 10% of the BMP.
When will the survivors of a retiree who availed and was paid the 5-year lumpsum benefit receive the
survivorship pension?
When the old age pensioner dies within the 5-year period after receiving the five-year lump sum, the survivorship
pension shall be paid only after the end of the said five-year period. However, the claim for survivorship benefits
should be filed together with the claim for funeral benefit, and this should be done within four (4) years from the date
of death of the retiree.
How will GSIS determine if the survivorship pensioners are still qualified to receive the survivorship
pension?
The GSIS eServices Department(for Central Office) / Frontline Services Unit (for Regional and Branch Offices) shall
schedule and conduct home visitation as part of the investigation process to determine if the primary or secondary
beneficiaries should continue to receive the survivorship pension.
Who will be responsible for cleansing and tagging the records of survivorship pensioners?
The Membership Group shall undertake data cleansing and tagging every six (6) months to ensure that the pension
records of all disqualified or suspended primary beneficiaries are tagged accordingly.
Who will be responsible for updating the cap in the computerized system?
The Membership Group shall be responsible for updating the cap in the computerized system.
When is the effectivity of this new policy?
This new policy shall be implemented retroactively from the time the existing policies on eligibility requirements of a
surviving spouse to survivorship benefits (disqualifying a surviving spouse who is gainfully employed or engaged in
any gainful activity or receiving pension from GSIS or any other local or foreign institutions from receiving the
survivorship pension) were adopted.
What is the effect of this new policy to the survivors who were disapproved/stopped from receiving their
survivorship pension due to the issuance/approval of MIG 01-2009 dated October 22, 2009 that took effect as
early as August 2009 and MIG 04-2010 dated April 26, 2010?
For survivorship pensioners whose survivorship pensions were suspended as a result of the previous policy, the
amounts accruing for the period they were suspended shall be restored bythe GSIS, subjectto the maximum amount
of survivorship pension provided under PPG No. 207-11 dated February 16, 2011.
On the other hand, for surviving spouse whose applications for survivorship benefits were denied as a result of the
previous policy (disqualifying a surviving spouse who is gainfully employed or engaged in any gainful activity or
receiving pension from GSIS or any other local or foreign institutions from receiving the survivorship pension), their
applications may be submitted to GSIS. If found to be qualified, their benefits shall be granted and computed

14. retroactively, subject to the maximum amount of survivorship pension provided under PPG No. 207 -11 dated
February 16, 2011.
Will the existing survivorship pensioners be subjected to the maximum limit of basic survivorship pension?
No, the existing survivorship pensioners (surviving spouse) who are receiving more than the said limit shall not be
subjected to this policy.
If a claim was filed prior to the end of the prescription period, but was denied due to the previous policy, can
the surviving spouse still file the survivorship benefit claim under this new policy?
The claim is notconsidered prescribed since itwas filed prior to the end of the prescription period. Hence,the claim
may be submitted to the GSIS, and if found to be qualified, the benefit shall be granted and computed retroactively,
subject to the maximum amount of survivorship pension provided under PPG No. 207-11.
If the survivorship benefit claim has prescribed, under what condition can the claim for survivorship benefit
be allowed to be filed to the GSIS?
If a survivorship benefitclaim has prescribed,the said benefit may still be claimed from the GSIS provided that there
was a claim for funeral benefit which was previouslyfiled within the 4-year prescription period. The claim for funeral
benefit shall be considered as a constructive notice for the survivorship benefit claim. If found to be qualified, the
benefit shall be granted and computed retroactively, subject to the maximum amount of survivorship pension
provided under PPG No. 207-11.
Will the other existing policies on survivorship benefits be affected by this PPG?
All other policies which are notaffected by the approved PPG, including the Restructured Survivorship Benefits under
RA 8291, as approved by the Board through Board Resolution No. 188 dated August 13, 2003, shall still apply.Â
However, the policy on the maximum amount of basic survivorship pension payable to the su rviving spouse, as
provided under the approved PPG, shall apply to the Restructured Survivorship Benefits under RA 8291.
Emergency Loan
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The EmergencyLoan is payable in three years or 36 equal monthly installments at an interest rate of six percent per
annum.
If an emergencyloan is renewed,the balance of the outstanding loan will be deducted from the proceeds of the new
loan.
Who can avail of the Emergency Loan?
To qualify for the emergency loan, the member-applicant must be: a bona fide resident or employee of the
government office within the declared calamity area; be in active service and not on leave of absence without pay;
has no pending criminal or administrative charges;has no arrearages in the payment of mandatory social insurance
contributions; and has no loan that has been declared in default.
For a calamity-hitarea, it mustbe declared in a state of calamity by its Sangguniang Panlalawigan/Panglungsod and
approved by the GSIS Board of Trustees before members working in government offices in the said area become
eligible for the Emergency Loan.
How can members apply for the Emergency Loan?

15. Eligible members can avail of the Emergency Loan using their eCard Plus on any GSIS Wireless Automated
Processing System (G-W@PS) kiosk installed in all GSIS servicing offices and in select government offices in
different parts of the country.
To apply for the EmergencyLoan using the kiosk,a member needs to first place his eCard Plus on the card reader of
the kiosk. Then, he needs to place any of his pre-selected fingers on the fingerprint biometric scanner of the kiosk.
Using the touch screen monitor of the G-W@PS, a member must select "emergency loan" from the list of loans
available on the loan menu and follow the simple instructions that will be displayed on the screen to complete the
transaction.
Eligible members can also apply for the Emergency Loan through over-the-counter (OTC) application to be filed in
GSIS offices covering the abovementioned calamity-declared areas. To apply for the emergency loan via OTC,
eligible members have to accomplish an application form.
A tentative computation of their loan proceeds and monthly amortization will also be shown to member-applicants
when they apply via G-W@PS kiosk or OTC.
Policy Loan
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Policy loan is a loan program which you can avail from your GSIS life insurance policy.
There are two kinds of compulsoryGSIS life insurance programs which are automatically granted to you the day you
enter government service: the Enhanced Life Policy (ELP) and the Life Endowment Policy (LEP).
ELP provides cover for you if you entered the service after July 31, 2003.Members whose policies have matured will
also be covered by ELP. The maximum loanable amount you can avail of under ELP is up to 90 percent of the
accumulated termination value of this policy.
On the other hand, LEP refers to the life insurance policy issued to you if you entered the service prior to August 1,
2003.The maximum loanable amountyou can avail of under LEP is up to 50 percent of the accumulated termination
value of this policy.
You can choose to either pay your Policy Loan through monthlyamortization or have it count againstyour existing life
insurance policy contract.
The Policy Loan bears an interest of 8% compounded annually.
How can a member apply for the Policy Loan?
A member can apply for the Policy Loan using the GSIS Wireless Automated Processing System (G-W@PS) kiosk
installed in all GSIS servicing offices and select government offices nationwide.
Who are eligible to avail of the Policy Loan?
A member who has been insured for at least one year may be granted the Policy Loan. The availing member must
also have updated premium payments and has an active policy to be eligible under this loan pro duct.
Optional Policy Loan
A member has an option to avail of an additional life insurance without any limit to his life insurance coverage. When
availing of the Optional Policy Loan, a member can choose to either pay it through monthly amortization or ha ve it
count against his optional policy life contract.
eCard Plus
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16. The GSIS eCard is, by far, the most innovative government-issued identification card today. This is because the
eCard Plus is not just a GSIS membership ID Card, it is also a GSIS transactional card, disbursement card, ATM
Card, VISA debit card, hospitalization discount card,medicine discountcard,and tuition discountcard, among others.
eCard Plus as utility card
The eCard Plus is really the ultimate all-in-one card. Learn more how
more and more GSIS members and pensioners are experiencing its
many benefits.
Enroll for eCard Plus
It’s about time you get your own eCard Plus. Getting one is easier than
you think. All you need to do is visit your servicing GSIS office.
G-W@PS Kiosk
Using your eCard Plus, you can check your GSIS records, renew your
active status (for pensioners), and even apply for GSIS loans, when
you go to any G-W@PS kiosk installed in all GSIS offices and other
major government offices all over the country.
Apply for a Loan
Members can apply for ConsoLoan, the one-time P10,000 Cash
Advance, and Policy Loan, while pensioners can get Pension Loan using
their eCard Plus.
Check your Record

17. Know your membership records, record of creditable services, loans
and other important facts about your GSIS membership. Here’s how.
ECard Replacement
Here’s how you can get a new eCard Plus in case you lose or damage
the one you have.
Online banking
Manage your eCard Plus ATM account or pay bill online.
GCare Plans
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Â
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HomeShield
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18. AutoShield
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