[Republic Act 8291]

B. GOVERNMENT
SERVICE
INSURANCE
SYSTEM LAW
Republic Act 8291]
 COVERAGE
ALL PUBLIC SECTOR EMPLOYEES BELOW THE
COMPULSORY RETIREMENT AGE OF 65, IRRESPECTIVE
OF EMPLOYMENT STATUS. [SEC. 3]

Exclusions
1. AFP and PNP
2. Members of the Judiciary and
Constitutional Commissions who are
covered only by life insurance as they have
separate retirement schemes
3. Contractual employees with no
employeremployee
relationship [Sec. 3]
 COVERAGE
DEPENDENTS AND BENEFICIARIES

Primary
1. Dependent spouse - until remarriage
2. Dependent children (legitimate,
legitimated, legally adopted and
illegitimate)
 COVERAGE
DEPENDENTS AND BENEFICIARIES

Secondary
In the absence of primary beneficiaries,
1. Dependent parents
2. Legitimate descendants (excluding
dependent children)
 COVERAGE
DEPENDENTS AND BENEFICIARIES
Benefits
Computation of service [Sec. 10]
From date of original appointment/election
including periods of service at different times
under 1 or more employers, those performed
overseas under the authority of the Republic of
the Philippines, and those that may be
prescribed by the GSIS in coordination with the
Civil Service Commission.
compensation.
In case of reinstatement in the service of an
employer and subsequent retirement or
separation which is compensable under this
Act, all service credited for retirement,
resignation or separation for which
corresponding benefits have been awarded
under this Act or other laws shall be excluded
in the computation.
GSIS may prescribe rules for the inclusion of
part time and other services with
 COVERAGE
a. Monthly Pension [Sec. 9] b. Retirement Benefits [Sec. 13]
The amount shall be [37.5% x (revalued Eligibility
average monthly compensation)] + [2.5 x 1. At least 15 years of service
2. At least 60 years of age
(revalued average monthly compensation) x
3. Not receiving pension benefit from
(years in service in excess of 15 years)] permanent total disability
Provided, the monthly pension shall not exceed
90% of the average monthly compensation.
It shall not be less than P24,000 for those with
20 years of service and not less than P1,300
for everyone else.
 COVERAGE
Compulsory Retirement [Sec. 13-A]
Retirement is compulsory for employees:
1. 60 years of age
2. Who have rendered at least 15 years of
service
If employee has less than 15 years of service, which is already covered by the lump sum,
he may be allowed to continue in accordance
with civil service laws.
Benefit [Sec. 13]
The member may choose between
1. 60 x (basic monthly pension) lump sum
payment at the time of retirement + basic
monthly pension payable monthly for life
after expiry of the 5-year guaranteed period
or
2. Cash payment equal to 18 x (basic monthly
pension) + monthly pension for life
immediately but with no 5-year guarantee
PERMANENT DISABILITY BENEFITS
Total and Permanent
[Sec. 16]
1. Complete loss of sight of both eyes
2. Loss of 2 limbs at or above the ankle or wrist
3. Permanent complete paralysis of 2 limbs
4. Brain injury resulting in incurable imbecility
or insanity
5. Other cases as determined by GSIS
Partial and Permanent
[Sec. 17]
1. Complete and permanent loss of the use of
a. Any finger b. Any toe c. One arm
d. One hand e. One foot
f. One leg g. One/both ears
h. Hearing of one/both ears
i. Sight of one eye
2. Other cases as determined by
GSIS
ELIGIBILITY FOR PERMANENT TOTAL DISABILITY

1. Disability not due to employee’s own grave 2. Employee is:

a. In service at time of disability
misconduct, notorious negligence, habitual
b. Even if separated, has paid at least 36
intoxication, or willful intention to kill himself monthly contributions within the 5-year
for another [Sec. 15] period immediately prior to disability or
has paid a total of at least 180 monthly
contributions prior to disability
c. Not enjoying old-age retirement benefit
[Sec. 16].
 BENEFIT FOR PERMANENT TOTAL DISABILITY
1. Monthly income benefit for life equal to
basic monthly pension, from date of
disability
2. If member is in service at time of disability
and has paid at least 180 monthly
contributions, he receives an additional
cash payment of 18 x basic monthly
pensiona. In service at time of disability
b. Even if separated, has paid at least 36
monthly contributions within the 5-year
period immediately prior to disability or
has paid a total of at least 180 monthly
contributions prior to disability
c. Not enjoying old-age retirement benefit
[Sec. 16].
 Permanent Disability Benefits Partial Disability

If member has rendered at least 3 years of Paid according to GSIS prescribed schedule.
service, he shall receive cash payment equal Member must satisfy conditions regarding the
disability not being due to his own fault and
to 100% of average monthly compensation for
regarding employment status and services
each year of service (essentially total amount rendered.
of contributions made) or P12,000 whichever is
higher [Sec. 16].
 D. DEATH BENEFITS SEC. 21
When member dies, the primary beneficiaries
are entitled to only ONE of the following:
1. Survivorship pension
a. He was in service when he died, or
b. Even if separated from service, he has
at least 3 years of service and has paid
36 monthly contributions within the 5
years preceding death, or
c. Even if separated from the service, he
has paid 180 monthly contribution prior to
death.
Partial Disability
2. Survivorship pension + cash payment of
100% of average monthly compensation
for every year of service [pension + total
contributions made]
a. He was in service when he died, and
b. With 3 years of service
3. Cash payment equivalent to 100% average
monthly compensation for each year of
service he paid contributions or P12,000
whichever is higher
a. With 3 years of service
b. He has failed to qualify in the prior 2
schemes.
 F. LOAN

The following are the loans provided:

1. Consolidated Loan
2. Policy loan
3. Emergency loan
4. Pension loan
 G. TEMPORARY DISABILITY BENEFITS
[SEC. 18]
Eligibility
1. Employee must be: Benefit
a. In service at time of disability, or 75% x current daily compensation for every
day or fraction thereof of disability OR P70.00,
b. If separated, he has rendered at least
whichever is higher.
3 years of service and paid at least 6
monthly contributions in the 12 month
period immediately prior to disability
2. All sick leave credits including those in the
CBA for the current year have been used
3. Maximum of 120 days per 1 calendar year
Ex. maximum for the same sickness and
confinement is 240 days for 2 consecutive
years
 H. SEPARATION BENEFITS [SEC. 11]

Eligibility and benefit received

1. 60 years of age, or separation from service Benefit
with at least 3 years but not over 15 years 75% x current daily compensation for every
day or fraction thereof of disability OR P70.00,
served – cash payment of 100% of ave.
whichever is higher.
monthly compensation for each year of
service (total amount of all contributions
paid) or P12,000 whichever is higher
2. Below 60 years of age, but at least 15 years
of service rendered – cash payment of
18 x (monthly pension) at time of
resignation/separation + old age pension
benefit (equal to basic monthly pension)
 I. UNEMPLOYMENT BENEFITS [SEC.12]

Eligibility
1. Employee separated from service due to
abolition of his office or position and
2. Employee has been paying integrated
contributions for at least 1 year prior to
separation
Benefit
Monthly cash payments of 50% x average
monthly compensation for a duration which is
proportional to years rendered, ranging from 2
to 6 months
 J. SURVIVORSHIP BENEFITS

Benefit
1. Basic survivorship pension - 50% x basic
monthly pension (see Death Benefits) and

2. Dependent children’s pension not

exceeding 50% of the basic monthly
pension
K. LIFE INSURANCE BENEFITS

Members of the Judiciary and Constitutional

Commissions are only entitled to life
insurance.