GSIS (RA 8291)

Coverage:
Complusory for all EMPLOYEES
Receiving COMPENSATION
Who have NOT reached the compulsory retirement age (60)
Irrespective of EMPLOYMENT STATUS
Exceptions to Compulsory Coverage:
Members of the AFP
Members of the PNP
CONTRACTUALS
with NO employer-employee relationship
Purely CASUAL employees
NOTE!
All members of the GSIS are entitled to benefits except Members of the JUDICIARY and
CONSTITUTIONAL COMMISSIONS
-entitled to Life Insurance ONLY
Computation of Service:
From date of ORIGINAL APPOINTMENT/ELECTION
Including:
Periods served at different times under ONE or MORE employers
Performed OVERSEAS under AUTHORITY of the RP
Prescribed by GSIS
Effect of Separation from Service:
Member CONTINUE to be a member and ENTITLED to benefits he has
qualified to
Terms:
EMPLOYER
National government, its political subdivisions, branches, agencies, or
instrumentalities including GOCCS and financial institutions with ORIGINAL
CHARTERS
Constitutional Commissions
Judiciary
EMPLOYEE
Any person RECEIVING COMPENSATION while in the service of an
employer
Whether by election or appointment

 IRRESPECTIVE of the STATUS of employment

Including BARANGAY and SANGGUNIAN OFFICIALS
DEPENDENTS
1. Legitimate spouse dependent for support upon the member or pensioner
2. Legitimate, Legitimated, Legally adopted child, including the Illegitimate child who is:
a) Unmarried, Not Gainfully Employed, Not Over the Age of Majority
b) Over the Age of Majority but Incapacitated and Incapable of Self-Support due to
mental or physical defect acquired PRIOR to age of Majority
3. Parents dependent upon member for support
PRIMARY BENEFICIARY
LEGAL dependent SPOUSE until he/she REMARRIES
Dependent CHILDREN
SECONDARY BENEFICIARY
Dependent PARENTS
LEGITIMATE DESCENDANTS
COMPENSATION
Basic pay or salary received by employee
EXCLUDING:
PER DIEMS
BONUSES
OVERTIME PAY
HONORARIA
ALLOWANCES
Any other EMOLUMENTS in addition to basic pay
DISABILITY
Any LOSS or IMPAIRMENT of the NORMAL functions
Of the physical or mental faculty of a member
Which REDUCES or ELIMINATES his/her CAPACITY
To CONTINUE with his/her CURRENT GAINFUL OCCUPATION
Or ENGAGE in any other gainful occupation
TOTAL DISABILITY
COMPLETE INCAPACITY
to CONTINUE with PRESENT EMPLOYMENT
Due to the LOSS or IMPAIRMENT...
PERMANENT TOTAL DISABILITY
RECOVERY from the impairment is MEDICALLY REMOTE

 TEMPORARY TOTAL DISABILITY

When IMPAIRED physical or mental faculties can be REHABILITATED and/or
RESTORED to their NORMAL functions
PERMANENT PARTIAL DISABILITY
IRREVOCABLE LOSS or IMPAIRMENT or CERTAIN PORTION/S of the
physical faculties
Despite which the member is ABLE to pursue a gainful occupation
BENEFITS
General Rule: All members of the GSIS are entitled to benefits
EXCEPT: Members of the JUDICIARY and CONSTITUTIONAL
COMMISSIONS
-entitled to Life Insurance ONLY
A. MONTHLY PENSIONS
1. 37.5% of the re-valued average monthly compensation; PLUS
2. 2.5% of said re-valued average monthly compensation for EACH YEAR of
service IN EXCESS of 15 years
-PROVIDED: the basic monthly pension shall NOT EXCEED 90% of the
average monthly compensation
3. The basic monthly pension may be ADJUSTED upon the RECOMMENDATION
of the President and General Manager of the GSIS and APPROVED by the President
of the Philippines
PROVIDED:
A. The basic monthly pension shall NOT be LESS than 1,300.00; and
B. The basic monthly pension for those who have RENDERED AT LEAST 20 years
of service shall NOT be LESS than 2,400.00 a month
B. SEPARATION BENEFITS
1. Cash payment equivalent to 100% of the average monthly compensation for
EACH YEAR of service he PAID contributions, but NOT LESS than 12,000
Conditions:
A. Payable upon REACHING the age of 60 years
B. He has RESIGNED or SEPARATED from service
C. He has RENDERED at LEAST 3 years but LESS than 15 years of service
2. Cash payment equivalent to 18 TIMES his basic monthly pension AT THE TIME
of resignation or separation, PLUS an OLD-AGE pension benefit EQUAL to the
basic monthly pension

Conditions:
A. Payable MONTHLY upon reaching the age of 60 years
B. He has RESIGNED or SEPARATED from service
C. He has RENDERED at LEAST 15 years of service
C. UNEMPLOYMENT or INVOLUNTARY SEPARATION BENEFITS
- MONTHLY cash payments equivalent to 50% of the average monthly
compensation
Conditions:
1. Employee is SEPARATED from service due to the ABOLITION of his office or
position (usually resulting from reorganization)
2. He has been PAYING INTEGRATED CONTRIBUTIONS for at LEAST 1 year
PRIOR to separation
D. RETIREMENT BENEFITS
1. LUMP SUM payment
>payable upon RETIREMENT
>PLUS OLD-AGE pension benefit payable MONTHLY FOR LIFE upon the
EXPIRATION of the 5-year guaranteed period covered by the lump sum
2. CASH payment equivalent to 18 MONTHS of his basic monthly pension PLUS
MONTHLY PENSION FOR LIFE payable IMMEDIATELY with NO 5-year
guarantee
Conditions:
A. He has rendered at LEAST 15 years of service
B. He is at LEAST 60 years of age at the time of retirement
C. He is NOT RECEIVING a monthly pension benefit from PERMANENT TOTAL
DISABILITY
NOTE!
RETIREMENT is COMPULSORY upon reaching 65 years of age with at LEAST 15
years of service, BUT if he has rendered LESS than 15 years of service, he may be
ALLOWED to COMPLETE the said period
E. PERMANENT TOTAL DISABILITY BENEFITS
General Conditions: Employee suffers disability NOT DUE to his:
A. GRAVE MISCONDUCT
B. NOTORIOUS NEGLIGENCE
C. HABITUAL INTOXICATION
D. WILLFUL INTENTION to KILL himself or another

1. MONTHLY income benefit FOR LIFE equal to the basic monthly pension
Specific Conditions:
A. Effective from DATE of DISABILITY
B. He is IN SERVICE at the time of disability
C. If he is SEPARATED from the service, he has PAID at LEAST 36 monthly
contributions within the 5-year period IMMEDIATELY PRECEDING disability, or
has paid a TOTAL of at LEAST 180 monthly contributions PRIOR to disability
D. If he is IN SERVICE and has paid a total of at LEAST 180 monthly contributions,
he shall RECEIVE an ADDITIONAL CASH payment of 18 TIMES his basic
monthly pension
E. Member CANNOT enjoy monthly income benefit and the old-age retirement
SIMULTANEOUSLY
2. CASH payment equivalent to 100% of his average monthly compensation for
EACH YEAR of service but NOT LESS than 12,000
Special Conditions:
A. Member DOES NOT satisfy the conditions under the preceding number
B. Has RENDERED at LEAST 3 years of service at the time of disability
SUSPENSION OF DISABILITY BENEFITS:
1. He is RE-EMPLOYED
2. He RECOVERS from disability
3. He FAILED to PRESENT himself for medical examination when required by the
GSIS
F. TEMPORARY TOTAL DISABILITY BENEFITS
-75% of the CURRENT DAILY compensation for each day or fraction thereof of
temporary disability
Conditions:
1. Such benefit shall NOT EXCEED 120 DAYS in 1 calendar year
2. Employee has EXHAUSTED ALL his SICK LEAVE credits and collective
bargaining agreement sick leave benefits
3. He is IN SERVICE at time of his disability
4. If SEPARATED, he has rendered at LEAST 3 years of service and paid at LEAST
6 monthly contributions in the 12-month period IMMEDIATELY PRECEDING the
disability
5. Member CANNOT enjoy TTD benefit and SICK LEAVE pay
SIMULTANEOUSLY
6. If disability requires MORE EXTENSIVE TREATMENT that lasts BEYOND
120 days, the payment of the TTD benefit may be EXTENDED by the GSIS but
NOT to EXCEED a TOTAL of 240 days
7. Such benefit shall NOT be LESS than 70php a day

G. SURVIVORSHIP BENEFITS
When a member or pensioner DIES, the beneficiaries shall be entitled to survivorship
benefits:
1. Basic survivorship pension which is 50% of the basic monthly pension
2. Dependent childrens pension NOT EXCEEDING 50% of the basic monthly
pension
DEATH of a MEMBER
Upon a death of a member, the PRIMARY beneficiaries shall be entitled to:
1. SURVIVORSHIP Pension
Conditions:
A. The deceased was IN SERVICE at the time of his death
B. If SEPARATED, he has rendered at LEAST 3 years of service at the time of his
death and paid 36 monthly contributions within the 5-year period IMMEDIATELY
PRECEDING his death
C. If SEPARATED from service, he has paid a TOTAL of at LEAST 180 monthly
contributions PRIOR to his death
2. SURVIVORSHIP Pension PLUS CASH payment equivalent to 10% of his
average monthly compensation for EVERY YEAR of service
Conditions:
A. Employee was IN SERVICE at time of death
B. He has rendered at LEAST 3 years of service
3. CASH payment equivalent to 100% of his average monthly compensations for
EACH YEAR of service he paid contributions, but NOT LESS than 12,000
Conditions:
A. Employee has rendered at LEAST 3 years of service PRIOR to his death
B. He FAILED to qualify under items 1 and 2 mentioned above
NOTE!
The SURVIVORSHIP pension will be paid as follows:
1. When DEPENDENT SPOUSE is the ONLY survivor, he/she shall receive the
BASIC survivorship pension FOR LIFE or UNTIL he/she REMARRIES
2. When only DEPENDENT CHILDREN are the survivors, they are entitled to the
BASIC survivorship pension AS LONG as they are qualified, PLUS the

DEPENDENT CHILDRENS pension equivalent to 10% of the basic monthly

pension for EVERY DEPENDENT child NOT EXCEEDING 5, counted from
YOUNGEST and WITHOUT SUBSTITUTION
3. When the survivors are the DEPENDENT SPOUSE and the DEPENDENT
CHILDREN, the DS shall receive the basic survivorship pension FOR LIFE or
UNTIL he/she REMARRIES, and the DC shall receive the dependent childrens
pension
IF there are NO PRIMARY beneficiaries, SECONDARY beneficiaries are entitled
to:
A. CASH payment equivalent to 100% of his average monthly compensation for
EACH YEAR of service he paid contributions, but NOT LESS than 12,000
PROVIDED
>that the member was IN SERVICE at time of death and
>he has rendered at LEAST 3 years of service
B. In the ABSENCE of SECONDARY beneficiaries, such benefits shall be paid to
his LEGAL HEIRS
C. For purposes of survivorship benefits, LEGITIMATE children shall include
>LEGALLY ADOPTED children
>LEGITIMATED children
H. FUNERAL BENEFITS
Should not be LESS than 12,000, to be increased to at least 18,000 after 5 years,
payable upon DEATH of:
1. An ACTIVE member
2. A member who has neem SEPARATED from the service, but who may be entitled
to FUTURE benefit
3. A PENSIONER
4. A RETIREE who at the time of his retirement was of PENSIONABLE age
I. LIFE INSURANCE BENEFITS
COMPULSORY upon all employees EXCEPT members of the AFP and PNP
J. LOAN GRANT
GSIS funds may be invested:
1. In DIRECT HOUSING LOANS to members and GROUP HOUSING PROJECTS
secured by FIRST MORTGAGE, giving PRIORITY to the LOW INCOME
GROUPS
2. In SHORT and MEDIUM-TERM LOANS to members such as salary, policy,
educational, emergency stock purchase plan and other similar loans

 ADJUDICATION OF CLAIMS AND DISPUTES

Prescription of Claims
4 years from date of CONTINGENCY
EXCEPT
LIFE and RETIREMENT benefits
Jurisdiction
GSIS has ORIGINAL and EXCLUSIVE jurisdiction to settle any disputes
Appeal
A. Under Rules 43 and 45 RC of 1997
B. Cases pending before effectivity of 1997 RC shall be governed by rules in force at
that time
C. Appeal shal take precedence over any case EXCEPT criminal cases where LIFE
IMPRISONMENT or DEATH, or RECLUSION PERPETUA is imposed
D. Appeal shal not stay the execution of the order or award UNLESS ordered by the
BOARD, by the CA, or by the SC
E. Appeal shall be without prejudice to the special civil action of certiorari when
proper
Execution
A. Any decision or award shall be executed in the same manner as in the RTC
B. The BOARD has the power to issue to the city or provincial sheriff or its
appointed sheriff writs of execution for the enforcement of such decision or award
C. Any person who fails or refuses to comply after being required to do so shall,
upon application of the GSIS, be punished for CONTEMPT
Exemption from Tax, Legal Process and Lien
VIOLATION OF THE GSIS LAW WITH PENAL PROVISIONS
Committed by Private Individuals
1. Participating directly or indirectly in the commission of fraud, collusion,
falsification, or misrepresentation in any transaction with the GSIS whether for the
perpetrator or for some other persons
2. Obtaining or receiving any money or check involving any provision of this Act or
any agreement, without being entitled thereto with the intent to defraud any member,
any employer, the GSIS, or any third party
3. Failing or refusing to comply with the provisions of this Act and with the IRR of
GSIS
Committed by Officers and Employees of the GSIS