GSIS LAW
Retirement under Republic Act 660: Also called
Life Insurance
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:
A. Enhanced Life 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.
B. Life Endowment Policy: As a GSIS member,
you automatically enjoy life 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 against death whether
due to natural or accidental causes,
permanent total disability and 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.
C. 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
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.
A. Retirement Under RA 8291: Five-year lump
sum or cash payment with instant pension—
choose your personal reward.
B.
“Magic 87,” this option provides both annuity
and lifetime pension.
C. Retirement under Republic Act 1616: Refund
your GSIS premiums with this “take-all” option
at the same time get gratuity payment from
your employer.
D. Portability Law (RA 7699): Combine your GSIS
and SSS creditable years of service to qualify
for retirement program offered by both pension
funds.
E. Retirement under Presidential Decree 1146:
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) and
Cash Payment.
Other Benefits
Separation: Benefit package for members with
more than three (3) but less than 15 years in
service.
Disability: Program intended for members who lost
their earning capacity due to non-work related
disability.
Employee Compensation: The GSIS administers
Employees Compensation Fund for government
employees who suffered work-related illnesses,
disability, or death.
Unemployment: Monthly cash payment for
permanent employees who are involuntarily
separated from the service due to abolition of office
or position due to reorganization.
Funeral: Assistance extended to spouse or children
of a deceased member or pensioner.
Survivorship: Pension benefit for qualified
dependents of GSIS pensioners who passed away.
Service Loans
Whatever you need—whether starting up a small
business, paying your child’s tuition, or simply
purchasing that item you’ve long eyed for—GSIS is
here to help you with various loan products it offers,
at unmatched rates and terms.
A. Consolidated Loan: The GSIS ConsoLoan
not only consolidates and wipes out
 penalties and surcharges from five different
loan products, it also provides members
with loan equivalent to up to 10 months
salary.
B. Policy Loan: A loan program that lets you
borrow from the seed money or cash value
of your life insurance.
C. Emergency Loan: The GSIS extends
support to members affected by natural
calamities with this affordable loan program.
D. Cash Advance: One-time quick loan, worth
P10,000 available to all members.
Personal Insurance
Insurance is all about getting peace of mind. But
peace of mind need not come with a high price tag.
With G-Care Plans, you have the power to secure
your investments and even yourself and your loved
ones, without worrying about costly premium
payments.
A. My Shield: This is the only insurance in the
land that can provide cover for personal
accident for people aged 3 to 80 years old.
B. Home Shield: For as little as P640.00 you
can get your house a fire insurance cover
that is worth P1 million.
C. Auto Shield: You car may be your precious
investment. But getting comprehensive
insurance for it should not leave a dent on
your pockets.
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Rule XVI of the Omnibus Civil Service Rules
(Maternity Leave)
Date: Omnibus Rules on Leave
Source: December 14, 1998
Subject: Maternity Leave
Section 11. Conditions for the grant of maternity
leave. Married women in the government service
who have rendered an aggregate of two (2) or more
years of service, shall, in addition to the vacation
and sick leave granted them, be entitled to
maternity leave of sixty (60) calendar days with full
pay.
Maternity leave of those who have rendered one (1)
year or more but less than two (2) years of service
shall be computed in proportion to their length of
service provided, that those who have served for
less than one year (1) year shall be entitled to 60-
days maternity leave with half pay.
It is understood that enjoyment of maternity leave
cannot be deferred but should be enjoyed within
the actual period of delivery in a continuous and
uninterrupted manner not exceeding 60 calendar
days.
Section 12. Formula for the computation of
maternity leave. Employees who have rendered
less than two (2) years of service may only receive
full pay for a number of days based on the ratio of
60 days to 2 years of service.
Section 13. A married woman may be granted
maternity leave more than once a year. Maternity
leave shall be granted to female married
employees in every instance of pregnancy
irrespective of its frequency.
Section 14. Married women may go on maternity
leave for less than sixty (60) days. When an
employee wants to report back to duty before the
expiration of her maternity leave, she may be
allowed to do so provided she presents a medical
certificate that she is physically fit to assume the
duties of her position.
The commuted money value of the unexpired
portion of the leave need not be refunded and that
when the employee returns to work before the
expiration of her maternity leave, she may receive
both the benefits granted under the maternity leave
law and the salary for actual services rendered
effective the day she reports for work.
Section 15. Maternity leave with pay may be
granted even if delivery occurs just a few days
before the termination of employee’s service.
Maternity leave with pay may be granted even if the
delivery occurs not more than 15 calendar days
after the termination of employee’s service as her
right thereto has already accrued.
Section 16. Maternity leave of employee on
extended leave of absence without pay. If already
entitled, a woman employee can still avail of sixty
(60) days maternity leave with pay even if she is on
an extended leave of absence without pay.
Section 17. Maternity leave of employee with
pending administrative case. A married woman
employee is entitled to maternity leave of absence
with pay even if she has a pending administrative
case.
Section 18. Maternity leave of contractual
employees. Married contractual employees whether
or not receiving 20% premium on their salary shall
be entitled to maternity leave benefits like regular
employees in accordance with the provisions of
section 11 hereof.
_________________________________
I work in the public sector. Am I entitled to
maternity leave?
Every pregnant employee is entitled to maternity
leave but the conditions change depending on
several factors.
If you are a government employee, you are allowed
to take a maternity leave of 60 calendar days with
pay, whether you deliver via normal or cesarean
delivery.
You are also entitled to maternity benefits in full if
you have been working for your government office
or agency for at least two years. If you have
rendered service for more than a year but less than
two years, you will receive maternity benefits in
proportion to your length of service, and half-pay if
you have been working there for less than one
year.
Maternity leave covers both childbirth
and miscarriage. The law provides minimum
requirements that you can expect from your
employer. Talk to your human resources manager
or administrative officer to find out if your employer
provides greater maternity benefits than the
required minimum. Read your employment contract
or collective bargaining agreement carefully and
see what it says about your employer’s policy on
maternity leaves and benefits.
Am I entitled to maternity benefits and pay?
Whether you are eligible for maternity benefits and
pay will depend on a variety of factors, such as
your employer, length of employment and number
of pregnancies or deliveries.
As a government employee, you must comply with
the following conditions to qualify for maternity
leave and pay:
 You must have worked in the government
office or agency for at least two years to
receive full pay.
 If you have been employed for more than a
year but less than two years, your maternity
benefits shall be reduced in proportion to
your length of service. If you have worked
for less than a year, you shall receive half-
pay.
To qualify for maternity benefits under Philhealth,
the following are required:
 You must have paid at least three monthly
contributions within the six-month period
prior to your delivery (including
miscarriage).
 This was your first, second, third or fourth
pregnancy (including miscarriage).
 You claim your Philhealth benefits within the
45-day allowance for room and board.
Aside from these requirements, your employer may
also require the submission of receipts, test results,
medical certificates and other documents. Consult
with your human resources manager or
administrative officer to know what other
documents should be submitted to qualify for
maternity benefits.
You may find that your company has its own
maternity policy, which is better than the legal
minimum. If this is the case, your entitlements could
differ from those of your colleagues or friends who
work for other companies.
Find out exactly what you might be entitled to by
contacting:
• your human resources or personnel manager
• your labor union representative
• the Department of Labor and Employment
(DOLE) Regional Office in your place of work
Make sure that you carefully look in your contract of
employment and see what it says about the
company maternity policy.
When should I file for maternity leave?
It is always best to file your maternity leave
application a few weeks before the start of your
leave. This will give your employer enough time to
make arrangements and ensure that the company
is not affected by your absence. The common
practice is to go on leave two weeks before your
due date so you can have enough time to prepare
for the birth of your child.
Check your employment contract or collective
bargaining agreement to see your company’s policy
on when you should take your leave. If there is
none, you may choose when you want to start.
Have a talk with your human resources manager or
administrative officer if you have concerns.
What happens during my maternity leave?
Your employer may make contact with you, and
vice-versa, while you're on maternity leave. The
kind of contact you have with your employer should
be reasonable, for example, to discuss your plans
for returning to work or to keep you informed of
important developments at your workplace. You
should also be kept informed of any relevant
promotion opportunities or job vacancies that arise
during your maternity leave.
When should I return to work?
Unless agreed on otherwise, you return to work as
soon as your maternity leave ends.
If you want to change the date of your return, you
will need to inform your employer in advance. If you
decide not to return to work at the end of your
maternity leave because you are not yet ready and
may need more time to recuperate, you need to file
anapplication for extension of maternity
leave together with a medical certificatefrom your
doctor. The extension is without pay unless you
have earned enough sick or vacation leaves to
cover for your absence.
If you have had surgery due to a gynecological
disorder, you may avail of a special leave
benefit of two months with full pay under the
Magna Carta of Women. This right is available to
women employees who have worked for at least six
months for the last 12 months.
All women have a right to return to work after
maternity leave, regardless of the size of their
employer's company.
How do I claim my benefits?
You may claim your maternity pay directly from
your employer, usually in the same manner as how
you claim your salary.
For your Philhealth maternity benefits, you can
claim them in two ways:
 (1) automatic deduction of benefits by
submitting a duly accomplished PhilHealth
Claim Form 1 and Member Data Form at
the billing section prior to discharge from the
hospital or health care facility, or
 (2) direct filing and reimbursement by
submitting to PhilHealth a duly
accomplished PhilHealth Claim Form 2,
official receipts, hospital or doctor’s waiver
and other documents or record of medical
procedure undertaken, within 60 calendar
days from discharge from the hospital or
health care facility.
For more information on availing Philhealth
maternity benefits,
visitwww.philhealth.gov.ph.
Is paternity leave and pay available?
Paid paternity leave is available for married male
employees. If your husband is working for an
employer he may be entitled to seven calendar
days of paternity leave and pay. Unlike new moms,
a new dad may only avail of paternity leave with
pay if he is both married to the mother of his child
and living together with her under the same roof.
Read more in our article on Paternity Leave.
What other rights do I have at work?
Our laws require every employer to address the
needs of pregnant and lactating employees by:
• Providing adequate medical and dental services
to their employees.
• Provide facilities such as rest areas with proper
seats, separate comfort rooms, a nursery and a
lactation station
• Subsidizing their employees’ insurance coverage.
In the case of employees in the private sector, they
are required to be covered by the SSS.
• Keeping in mind the welfare and safety of his
employees.
If your work requires you to perform tasks that
might pose a risk to your pregnancy, speak to your
immediate supervisor or direct superior about
temporarily relieving you from the task while you
are pregnant. If you are scheduled to work at night
or for long periods of time, you may also ask to
temporarily change your work schedule or work on
flexi-time.
____________________________________
SSS Benefits
Know your SSS benefits, know your future
security. This hub is a response from lots of
requests and inquiries about the Social Security
System benefits in the Philippines, shortly called
from the acronym, SSS. What are my benefits?
How to compute them? How to claim? Lots of
people ask 'how to apply for my social security
insurance' as well. You have to read this hub and
learn.
If you’re an employee working in a private
institution or employer, you surely are paying or
remitting monthly contributions for your
SSS. OFW(Overseas Filipino Workers), household
workers and all employees under the age of 60
other than the government are covered for the
social security benefits. For those who ask, what if
I’m not working in a company, can I contribute and
become a member of the SSS? The answer is
YES. Surely you can. If you are self-employed,
you can apply to become a member then pay your
contributions monthly or quarterly. The same thing
if you’re not employed but capable of paying
monthly contribution of your choice, you can still
become an SSS member and enjoy all the benefits
it offers to each member. That's what they refer to
'voluntary contribution' . I have included the latest
Social Security System Contributions Schedule
below for those who want to know how much
they’re gonna pay monthly according to their
compensations. Feel free to ask if you wanna know
something.
Before I go to the benefits, I just wanna say SSS is
just one of the benefits of a common private
employee in the Philippines. Just like any
insurance, it is so helpful financial aid to all
members and their beneficiaries. The others are
thePhilHealth and PAGIBIG Fund. GSIS is a
version of SSS mandated to all government
employees. Just so you know and just to avoid
confusions here. OK now the SSS benefits…
MP (Monthly Pension) Computation
 MP = P300 + (20% of AMSC) + 2% of
AMSC for each CYS in excess of 10 years
 MP = 40% of the AMSC
 MP = P1200 (if your CYS is at least 10 or
more but less than 20)
 MP = P2000 (if your CYS is 20 or more)
** Your MP will be the amount resulted from each of
the formula aboveWHICHEVER IS HIGHER
**Take note that the AMSC (Ave. Monthly Salary
Credit) and CYS(creditable years of service) differ
from every employee as our salary varies from time
to time.
** A retiree has the option to receive the first 18
monthly pension in lump sum discounted at a
preferential rate of interest to be determined by the
SSS.
**The higher your SSS contribution and CYS,
the higher will be your MP
**A bill has been authored in the senate to raise the
minimum AMP to 3000. Let’s hope it will be
approved and be raise to 5000 or more LOL
SSS Benefits in the Philippines
SSS Retirement Benefit
The SSS Retirement Benefit is synonymous to old
age pension or simply retirement pension. It is a
lifetime cash benefit paid to the retiree every month
after he retired or after he stopped working
reaching the age of 60 or 65. Any old age
pensioner can receive his monthly SSS pension
provided he paid at least 120 monthly
contributions prior to the semester of his
retirement. He’s entitled to received13th month
pay every December as well. In case he hasn’t
completed a 120 months of contributions when he
reached his retirement, he is entitled to receive
a lump sum amountinstead. Qualified
beneficiaries will receive 10% of the monthly
pension benefits or P250 whichever is higher. This
is so seldom because usually old age don't have
children below 21 anymore upon retirement. How to
compute for your SSS monthly retirement pension?
What about the lump sum benefit? I have
demonstrated a sample formula computation of
monthly pension in this hub. Check it out.
SSS Disability Benefit
The SSS Disability Benefit just like any other social
disability program adopts the World Health
Organization’s definition of disability which
specifically refers to “restriction or lack (resulting
from impairment) of ability to perform an activity in
the manner or within the range considered normal
for a human being.” And who are qualified for this
disability benefit? Social Secutity System members
who suffer partial or total disability and have paid at
least one monthly contribution to the SSS before
the semester of unforeseen event are qualified.
Disability benefit is also paid in two ways: thru
monthly pension and lump sum amount. A disabled
member is qualified to accept monthly disability beneficiaries. When you died your soul can’t
pension if he has paid at least 36 monthly negotiate with the SSS anymore. There are two
contributions to the SSS prior to the semester of types of benefits for death and funeral: monthly
unfortunate incident. However, the lump sum pension and lump sum amount. According to the
amount is granted to those who have not paid the Social Security System, monthly pension is granted
required 36 monthly contributions. How much is only to the primary beneficiaries of a deceased
the pension for disability?Just like any other type member who had paid 36 monthly contributions
of pension, the monthly cash benefit is computed before the semester of his death. The lump sum on
based on the disabled member’s number of paid the other hand, is the amount granted to the
contributions and the years of his membership. primary beneficiaries of a deceased member who
According to SSS, the lowest monthly pension is had paid less than 36 monthly contributions before
P1000 for members with less than 10 credit years the semester of death. The secondary beneficiaries
of service: P1200 with at least 10 CYS and P2400 shall be entitled to a lump sum benefit. If the
with at least 20 CYS. beneficiary are entitled to receive monthly pension
SSS Sickness Benefit benefits, he will receive 13th month pay every
Just like any human being who meets injury or December, too.
sickness, SSS members can also avail for the
sickness benefit. Sick benefit is a daily cash SSS EC Compensation Benefits
allowance paid for the number of days a member is
All SSS members both employees and employers
unable to work for at least 4 days provided the
are automatically entitled for theEC compensation
member has paid at least 3 monthly contributions
program to receive generous benefits. Benefits
within the 12 month period prior to his sickness and
from sickness, injuries, death, and disability are just
all company sick leave pay for the year has been
among the broad coverage of this type of benefits
used. You ask how much will be the sickness
from the Social Security System. I recommend
benefit? The SSS member is entitled to receive per
checking out this official website to understand the
day a 90 percent of his average daily salary
EC benefits totally.
credit.
Loan Benefits
SSS Maternity Benefit
Obviously, the SSS maternity benefit is only As a member of the SSS, you may also qualify to
intended to those female members who couldn’t other benefits such as member loans, housing
work due to childbirth or miscarriage. Any female loans and business loans.
qualified for this is granted daily cash allowance
provided she has contributed at least 3 months at
the SSS within the 12-month period immediately
before the semester of her childbirth or miscarriage.
How much would be the maternity benefit?
According to SSS, it is equivalent to 100 per cent
of the member’s average daily salary credit
multiplied by 60 days for normal delivery or
miscarriage, 78 days for caesarean section
delivery.

SSS Death and Funeral Benefit

Sounds morbid but we only die once. lol Anyway, if
a SSS member died, his qualified beneficiaries and
dependents could receive death and funeral
benefits from the insurance company provided they
are his legitimate spouse or children, illegitimate or
adopted children under 21 of age. What if the
member was single? His parents are qualified
beneficiaries. What if she has no family or parents
anymore? Well then the benefits will go to me. lol
Seriously, the money will go to anyone the
member listed as beneficiary in the SSS records.
So it is very important to list and update your