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GSIS Benefits

3. Disability/Death is caused by workconnected injury or sickness

Employees Compensation Program

The Employees' Compensation (EC) benefits or

disability benefits is a compensation package
for public and 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)
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 monthly pension not to
exceed 60 months but not 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 must be listed /considered an
"occupational disease"; or even if not
listed as one, it must be shown that the
risk of contracting the sickness is
increased by the working conditions.

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 malignant
disease of the skin or subcutaneous
tissues of the bones or leukemia or
anemia of the aplastic type due to Xrays, 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

All information found herein were copied from www.gsis.gov.ph

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20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.

Malaria and schistosomiasis

Pneumonia
Hernia
Bronchial asthma
Osteoarthritis
Viral encephalitis
Peptic ulcer
Pulmonary tuberculosis
Viral hepatitis
Essential hypertension
Asbestosis

be
a.

Disability benefits 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
disability
Permanent
Permanent
Temporary

may

either

Monthly

either:
Pension

4. If the member is separated from service

with 180 monthly contributions prior to PTD,
benefit
can
be
either:
a.
Basic
Monthly
Pension

Disability

Basic

be:
Total
Partial
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
3. If the member is separated from service
with 36 monthly contributions within the 5-year
period immediately preceding PTD, benefit can

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
Retirement
To qualify for this retirement mode:
1. The retiree must have rendered at least
15 years of service and must be at least
60 years of age upon retirement.
2. He /she must not be a permanent total
disability pensioner.
Unlike other retirement modes, the last three
years of service of a retiree need not to be
continuous under RA 8291
Packages in store for you

All information found herein were copied from www.gsis.gov.ph

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Retiring members who will opt to retire under
RA 8291 are entitled to either of the following:
Option 1: 5-Year Lump Sum and Old Age
Pension
Under this option, the retiree can get his/her
five-year worth of pension in advance. The lump
sum is equivalent to 60 months of the Basic
Monthly Pension (BMP) payable at the time of
retirement. After five years, the retiree will start
receiving his/her monthly pension.
Option 2: Cash payment and Basic Monthly
In option 2, the retiree will receive a Cash
Payment equivalent to 18 times the Basic
Monthly Pension (BMP) payable upon
retirement and then a monthly pension for life
payable immediately after his retirement date.

Burial
Beneficiaries are entitled to a P20,000 funeral
benefit payable upon the death of a member or
old
age
pensioner.
The requirements to avail of the burial benefit
are:
If claimant is the legal spouse
1. Original copy of Death Certificate of the
member from NSO.
2. Original copy of Marriage Contract from
NSO
3. Two valid ID (original to be shown,
photocopy to be submitted)
4. Original copy of NSO certified Birth
Certificate of the claimant (if there will
be claims for death and survivorship
benefits). If not registered, may apply
for late registration.

The BMP is computed as follows:

BMP = .375 x RAMC (Revalued Average Monthly

Compensation)

For immediate full payment of the benefits, and

in the absence of NSO Birth Certificate, valid
passport or visa; drivers license; PRC ID with
record
of
birth

b) If length of service is 15 years and more :

BMP = .025 x RAMC x Length of service

Claimants birth certificate is not required

if the claimant is a GSIS member or pensioner.

a) If length of service is less than 15 years:

The BMP, however, shall NOT exceed 90% of

the Average Monthly Compensation (AMC).
RAMC stands for Revalued Average Monthly
Compensation and is computed as follows :
RAMC= P700 + AMC (Average Monthly
Compensation)
AMC
=
Average
Monthly
Compensation
= Total Monthly Compensation received during
the
last 36 months of service divided by 36
Application
of
the
AMC
Limit
The maximum amount of the Average Monthly
Compensation (AMC) to be used as the base for
computing pensions and other benefits of a
member shall be the AMC limit prevailing at the
time the contingency/ies occurred. Thus,
pursuant to the lifting of the AMC limit, the
monthly pension of a member with at least 15
years of creditable service who is in the service
on or after January 1, 2003 shall be computed
on the basis of his/her AMCs without limit.

If the claimant is other than the legal spouse

(Application will be accepted only if the legal
spouse is already deceased.
In this
case, priority is given to legitimate children)
1. Original copy of Death Certificate of the
member from NSO.
2. GSIS Affidavit of Funeral Expense Form
3. Original & Xerox copy of Official Receipt
under the claimants name or if a
Funeral Plan was used, a Certification
from the memorial service provider that
the plan was availed of.
4. Two valid IDs (original to be shown,
photocopy to be submitted)
5. Birth certificate of the claimant or
valid ID (issued by the government)
indicating his/her date of birth.

All information found herein were copied from www.gsis.gov.ph