THE GOVERNMENT SERVICE INSURANCE SYSTEM ACT OF 1997
REPUBLIC ACT NO. 8291
Raison D’etre Agencies Involve Beneficiaries Benefits How to Apply for the Other Features of
Benefits the Law
to amend and Government Primary Beneficiaries: As Social Insurance Benefits Retirement Benefits Portability of Benefits
expand the Service defined under Section 2(g) of Retirement Benefits Eligibility Requirements: Members
provisions of Insurance R.A. No. 8291 (1997), these o Pension based on a transferring to a
Presidential System (GSIS) include: formula considering Must be a private sector
Decree No. Commission age, years of service, permanent job covered by
1146. Its on Audit (COA) The legal dependent and salary. government the Social
employee.
primary Office of the spouse (until o Five years lump sum Security System
At least 15 years of
purpose is to Government remarriage). with lifetime pension (SSS) can have
service.
enhance the Corporate The dependent after five years or a Must have paid at their GSIS
coverage, Counsel children, which include: straight monthly least 180 months of contributions
benefits, and (OGCC) Legitimate, legitimated, pension for life. contributions to GSIS. consolidated
administration Insurance legally adopted, and Separation Benefits At least 60 years old with their SSS
of the Commission illegitimate children o Cash payment (for retirement under contributions
Government Department of who are: equivalent to RA 8291). under the
Service Budget and Unmarried, Exceptions: Members Portability Law
contributions (for less
Insurance Management Not gainfully employed, separated from (RA 7699).
than 3 years of service).
service before
System (GSIS) (DBM) Below the age of o Cash payment Loan Redemption
reaching retirement
for government majority, or equivalent to 100% of age but who meet Insurance (LRI)
employees, Other Entities Over the age of contributions plus the contribution An exclusive
ensuring their majority but interest (3-15 years of requirements may feature where
social security Judiciary and incapacitated and service). still qualify for GSIS
and welfare. Constitutional incapable of self- o Cash benefit or pension deferred retirement. automatically
Commissions support due to a (15 years or more of insures loans
mental or physical service). taken by its
defect acquired before Separation Benefits members.
Disability Benefits
reaching the age of Eligibility In case of the
o Permanent total Requirements:
majority. disability: Lifetime borrower's
Less than 15 years of
pension or cash service: death, the
Secondary Beneficiaries: As payment. Entitled to a cash remaining loan
defined under Section 2(h) of o Permanent partial payment equal to balance is
R.A. No. 8291 (1997), these contributions plus automatically
include: disability: Pro-rated interest. settled, ensuring
cash payment or At least 15 years of that the family
The dependent parents pension service but not yet or beneficiaries
eligible for
of the member. Survivor’s Benefits are not
retirement:
In the absence of o Pension for primary burdened with
Entitled to either a
dependent parents, the beneficiaries (spouse cash payment or debt.
legitimate descendants and minor children). deferred pension. Compulsory Membership
of the member. o Cash payment for for Government
secondary beneficiaries Employees
(parents or siblings). Disability Benefits All employees of
Eligibility Requirements: government
Life Insurance Benefits Must have suffered a agencies, including
permanent partial or those in temporary
Compulsory Life Insurance total disability, and casual positions,
o All GSIS members are regardless of are required to be
whether it is work- GSIS members,
automatically insured.
related or not. ensuring universal
This provides benefits
Must have paid
in case of death or coverage for
contributions for at
permanent disability. least 1 month within government workers.
Optional Life Insurance the 12 months Exceptions include
o Members can apply for immediately uniformed personnel
additional life insurance preceding the (AFP, PNP) and
coverage. disability. contractual workers
For work-related without employer-
disability, employee
Loan Privileges
employment status relationships.
Consolidated Loan (multi- or contribution
purpose loan combining salary, payments are not
emergency, and other loans). required.
Emergency Loan (for calamity-
affected areas). Survivor’s Benefits
Housing Loan. Eligibility Requirements:
Policy Loan (borrowing against The deceased
their life insurance policy). member must have
Pension Loan (for retirees paid at least 36
receiving monthly pensions). monthly
contributions prior to
death.
Others:
Primary beneficiaries
Funeral Benefits
Financial assistance (legal spouse and
provided to the family of dependent children)
deceased members or will receive a
monthly pension or
pensioners.
cash benefit.
Current funeral benefit:
If there are no
₱30,000 (subject to updates primary
by GSIS). beneficiaries,
secondary
Employee Compensation (EC) beneficiaries (parents
Benefits or siblings) are
Compensation for work- entitled to a lump
related sickness, injury, or sum.
death, including:
Medical services. Funeral Benefits
Rehabilitation services. Eligibility Requirements:
Cash assistance. The deceased must
be a GSIS member or
pensioner.
no minimum
contribution
requirements for this
benefit.
Life Insurance Benefits
Eligibility
Requirements:
Must be an active
contributing
member with a valid
life insurance policy.
Optional life
insurance is available
for members who
voluntarily apply.
Loan Privileges
Eligibility Requirements:
Must be an active
GSIS member with
updated premium
contributions.
Must have no
existing loan defaults
or unpaid arrears.
Specific loans, such
as housing loans,
may have additional
requirements (e.g.,
minimum years of
service).
Employee Compensation (EC)
Benefits
Eligibility Requirements:
Must have suffered a
work-related
sickness, injury, or
death.
Membership status
or contribution
history is not
required, as this
benefit is
automatically
covered for all
employees under the
EC program.
