Salient Features (Typhoon Yolanda) Finale With Watermark

SALIENT FEATURES OF SOCIAL PROGRAMS
FOR THE SURVIVORS OF SUPER TYPHOON YOLANDA

(GSIS, CSC, SSS, PHILHEATH, PAG-IBIG)
PREPARED BY:
Raymund L. Ipio and Jhudlle C. Sampang
(Legal Researchers, IDEALS, Inc.)
20 January 2014
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SALIENT FEATURES OF SOCIAL PROGRAMS FOR THE SURVIVIORS OF SUPER TYPHOON YOLANDA
Prepared by: Raymund Ipio and Jhudlle Sampang, Legal Researchers, IDEALS, Inc.
GOVERNMENT SERVICE INSURANCE SYSTEM

Programs
EMERGENCY LOAN
o http://www.gsis.gov.ph/default.php?id=48
AUTOMATIC
INTEREST-FREE
LOAN
MORATORIUM FOR 6 MONTHS (FOR MEMBERS AND
PENSIONERS)
o http://www.gsis.gov.ph/news.php?id=371
HOME EMERGENCY LOAN PROGRAM (H.E.L.P.)
o GSIS MEMORANDUM CIRCULAR NO. 006, S. 2013 (27
December 2013)
o http://www.gsis.gov.ph/news.php?id=378
SURVIVORSHIP
BURIAL
EMERGENCY LOAN
Who may avail?
Active Member / Pensioner-applicant with the following qualifications:
Must be a bonafide resident/employee of the government

office within a declared calamity area;
Is in active service and not on a leave of absence without
pay (for active members) or current pensioner;
Must be without any pending criminal or administrative
charges;
Has no arrearages in the payment of mandatory social
insurance contributions;
Has no loan that has been declared in default;
For a calamity-hit area, it must be declared in a state of
calamity by its Sangguniang Panlalawigan/Panglungsod and approved
by the GSIS Board of Trustees before members working in government
offices in the said area become eligible for the Emergency Loan.
How much may be availed of as Emergency Loan? In general,
Php 40,000 for members in active service;

Php 20,000 for pensioners.
How can members apply for the Emergency Loan?

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Eligible members can avail of the Emergency Loan using their eCard Plus
on any GSIS Wireless Automated Processing System (G-W@PS) kiosk
installed in all GSIS servicing offices and in selected government offices
in different parts of the country.
Procedure:
For OTC application -- Application to be filed in GSIS offices covering

the calamity-declared areas. To apply for the emergency loan via OTC,
eligible members have to accomplish an application form. 1
Notes:
GSIS will waive the requirement to pay 12 monthly

amortizations before loan renewal for members with existing
emergency loans.
For old-age pensioners living in calamity-declared

areas, GSIS is opening a new pension emergency loan (PEL)
window of Php 20,000 with terms similar to the emergency loan
for active members. As with the existing pension loan, a loan
redemption insurance will be included.
Place employees eCard Plus on the card reader of the
kiosk.
Place any of his pre-selected fingers on the fingerprint

biometric scanner of the kiosk.
Using the touch screen monitor of the G-W@PS, a

member must select "emergency loan" from the list of loans available
on the loan menu and follow the simple instructions that will be
displayed on the screen to complete the transaction.
Eligible members can also apply for the Emergency Loan through overthe-counter (OTC) application to be filed in GSIS offices covering the
abovementioned calamity-declared areas. To apply for the emergency loan
via OTC, eligible members have to accomplish an application form.
A tentative computation of their loan proceeds and monthly amortization
will also be shown to member-applicants when they apply via G-W@PS
kiosk or OTC.
AUTOMATIC
MORATORIUM
INTEREST-FREE
6-MONTHS
LOAN
Who are covered by the moratorium program?

GSIS members and pensioners who reside or work in areas worst-hit by
super typhoon Yolanda. on all their outstanding loans with the state
pension fund (GSIS)
For purposes of the GSIS automatic moratorium program, what are the
areas worst-hit by Yolanda?
When to avail?
As published in the GSIS website,
Members may avail until December 31, 2013.
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Where to apply?
Members in active service can coordinate with/ pursue their application

through the designated GSIS liaison officer of their respective
offices/agencies (this is according to Mr. Cris Oarde, staff of GSIS Trustee
Aguja).
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(http://www.gsis.gov.ph/default.php?type=root&id=372) these are the 126

worst-hit calamity areas identified by the appropriate city or provincial
councils. More specifically, these are:
Areas covered by 6-month loan moratorium
(as of December 2, 2013)
In the Province of Aklan
Altavas
Batan
Madalag
Buruanga
Kalibo
Makato
New Washington
Tangalan
Balete
Libacao
Banga
Ibajay
Lezo
Malinao
Numancia
Nabas
In the Province of Antique

Barbaza
Sebaste
Laua An
Pandan
Caluya
Culasi
Tibiao
Libertad
Bugasong
In the Province of Capiz

Cuartero
Dao
Dumalag
Dumarao
Ivisan
Jamindan
Ma-ayon
Mambusao
Panitan
Pilar
Pontevedra
Pres. Roxas
Sapian
Sigma
Tapaz
Panay
Roxas City
In the Province of Cebu
Bantayan
Bogo City
Daan Bantayan
Madridejos
Medellin
San Remigio
Santa Fe
Borbon
Pilar
Tabogon
Tabuelan
Poro
San Francisco
Sogod
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Tudela
La Paz
Macarthur
In the Province of Iloilo
Matag-Ob
Mayorga
Merida
Ormoc City
Palo
Palompon
Pastrana
Tabontabon
Tanuan
Tolosa
Villaba
Abuyog
Alangalang
Barugo
Capoocan
Carigara
Javier
Leyte
San Isidro
Santa Fe
Tabango
Tacloban City
Tunga
Calubian
Ajuy
Balasan
Batad
Concepcion
Estancia
Lemery
San Dionisio
San Rafael
Sara
Banate
Barotac Viejo
Bingawan
Carles
Duenas
Passi City
San Enrique
In the Province of Leyte

Albuera
Burauen
Dagami
Dulag
Isabel
Jaro
Julita
Kananga
In the Province of Negros Occidental

Cadiz City
Manapla
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Sagay City
To which types of loan is the program applicable?
In the Province of Palawan
Busuanga
Coron
Culion
Agutaya
Linapacan
In the Province of Western Samar
Basey
Marabut
In the Province of Eastern Samar

Balangiga
Giporlos
Guiuan
Lawaan
Mercedes
Quinapondan
Salcedo
Hernani
Consolidated loan
Policy loan
eCash Advance
Pension Loan
Pensioners' Restructured Loan
Policy Loan
Emergency Loan
Enhanced Salary Loan
Educational Assistance Loan
Summer One-Month Salary Loan; and
Housing Loan
The accounts of pensioners who availed of the installment payment of

loans after retirement or Choice of Loan Amortization Schedule Program
(CLASP) are also covered by the moratorium.
When it is available?
The loan moratorium will be extended from November 2013 to April
2014. The payment for existing loans of members will thus resume in May
next year (2014).
How to avail?
Balangkayan
The moratorium will be applied automatically to the outstanding loans of

covered members and pensioners. Said members and pensioners do not
need to apply for the moratorium. The administrative officers in concerned
government offices have been advised to stop all deductions starting
November 2013. Housing loan borrowers who have issued post-dated
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checks have also been notified by the GSIS to retrieve and replace the
checks from the GSIS Treasury Unit.
However, members and pensioners who renew any of their loan accounts
before the end of the moratorium period will forego the benefit for the
particular account that they will renew. The moratorium will still apply to
other loan accounts that are not renewed
When may a member apply?

Application period starts on 02 January 2014 and until 31 March 2014 (i.e.
acceptance of applications is only up to 31 March 2014)
Where can a member apply?
Applications shall be accepted at any GSIS office nationwide.
HOME EMERGENCY LOAN PROGRAM (H.E.L.P.)

Basis: GSIS Memorandum Circular (MC) No. 006, S. 2013
Other availment rules / policies:
Who may avail?
Active members identified as working or residing in the super typhoon
Yolanda worst-hit calamity areas per GSIS records as of 15 November
2013 (These are 126 areas that were hardest hit by Yolanda and contained
in a list attached to GSIS MC No. 006, S. 2013. The areas contained in
this list are the same 126 calamity areas covered by the GSIS automatic
six-month loan moratorium see above)
How much may a qualified member avail as home emergency loan?
The maximum loanable amount is based on the members total length of
service in the government, specifically in accordance with the following
schedule:
Total Length of Service (TLS)
Less than 5 years
5 years or more but less than 10
years
10 years or more
The home emergency loan under the GSIS HELP is a onetime special loan program. More particularly, it shall only be availed
once and shall not be subjected to renewal;
HELP is over and above the other existing loan programs
of the GSIS;
Interest Rate and Loan Term

The loan will bear an interest of 6% per annum, compounded annually
and based on diminishing balance. It is payable in 10 years.
Maximum Loanable Amount

Php 30,000.00
100,000.00
Redemption Insurance
The loan shall be covered by a Redemption Insurance. The redemption
insurance premium shall be part of the monthly amortization. The
insurance premium rate is P .38 per P 1,000.00.
200,000.00
The loanable amount must be in multiples of Php 10,000.00 and must not
exceed the members maximum allowable amount.
Commencement of Amortization Payment

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Monthly amortization shall commence in July 2014, and the first

monthly amortization shall be remitted to the GSIS on or before August
10, 2014. Monthly amortizations must be paid every 10 th of the month
thereafter until the loan is fully paid.
Other Deductions / Loan Net Proceeds

Only the processing fee, computed at 1% of the gross loan amount, shall
be deducted from the loan amount.
SURVIVORSHIP BENEFITS
What are the GSIS survivorship benefits?
These are cash and/or pension benefits to which the beneficiaries of a
GSIS member or pensioner who dies, become entitled, subject to the
existing rules and regulations on survivorship and policies on the
maximum amount of survivorship pension.
Who may avail of these benefits?
All primary and secondary beneficiaries residing in the
Philippines or abroad who are existing survivorship pensioners or
claiming for survivorship benefit;
Those who were receiving survivorship benefits but were

suspended when the policy on the same was amended and implemented
in August 2009; and
Those who applied for survivorship benefits but were

disapproved due to the issuance/approval of Management
Implementing Guidelines (MIG) 01-2009 dated October 22, 2009 that
took effect as early as August 2009, and MIG 04-2010 dated April 26,
2010.
What are the eligibility requirements?
1. When a member or pensioner dies, the primary beneficiaries (surviving
legal spouse and dependent children) or secondary beneficiaries, as the
case may be, shall be entitled to the applicable survivorship benefits.
2. The primary beneficiaries shall be the following:
The legitimate spouse, until s/he re-marries, or cohabits/engages in common-law relationship; and
The dependent legitimate, legally adopted or legitimated

children, including illegitimate children, who have not reached the
age of majority, or, have reached the age of majority but
incapacitated and incapable of self-support due to a mental or
physical defect acquired prior to age of majority.
3. The secondary beneficiaries shall be the dependent parents and, subject
to the restrictions on dependent children, the legitimate descendants.
The secondary beneficiaries shall only be entitled to survivorship
benefits if there are no primary beneficiaries.
How much is the maximum amount of Survivorship Pension?
The surviving spouse shall be entitled to basic survivorship pension
which is fifty percent (50%) of the Basic Monthly Pension (BMP) but not
to exceed fifty percent (50%) of the current Step 8[4] salary of an
Undersecretary, pursuant to the Salary Standardization Law and its
amendments.
The dependent children shall be entitled to dependent childrens pension
for a maximum of five (5) children, equivalent to 10% of the BMP for
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each child but not to exceed fifty percent (50%) of the BMP, counted from
the youngest and without substitution.
Note: The maximum amount of basic survivorship pension prevailing at the
time of death of the member or pensioner shall apply. Any subsequent
increase/s in the Step 8 salary of an Undersecretary will not result in any
adjustment to the survivorship pension already being received by the surviving
spouse.
What are the documentary requirements?

Basic Documents
1. Application Form;
2. Ombudsman Clearance;
3. Death certificate of member/pensioner issued by the National
Statistics Office (NSO);
4. Last Day of Actual Service; and
5. Two (2) valid IDs of payees.
If Married
1. Marriage certificate between the deceased and his/her spouse issued
by NSO;
2. Affidavit of surviving spouse;
3. If spouse is not a GSIS member, Birth Certificate issued by NSO;
4. Birth Certificate/s of minor/incapacitated children issued by NSO;
5. If with minor/incapacitated children, Affidavit of Guardianship;
6. If the legal guardian is not the natural parent, the affidavit should be
supported by a Certification from the Barangay and DSWD.
If Single
1. If with minor/incapacitated children, Affidavit of Guardianship;
2. If the legal guardian is not the natural parent, the affidavit should be
supported by a Certification from the Barangay and DSWD; and
3. If guardian is not a GSIS member, Birth Certificate issued by NSO
If without primary beneficiary (with Parents)
1. Birth Certificate of member issued by NSO;
2. Marriage Contract of members parents issued by NSO;
3. Birth Certificate of members parents issued by NSO if parents are
not GSIS members/pensioners.
If without primary beneficiary (without Parents; with Siblings)
1. Birth Certificate of member issued by NSO;
2. Marriage Contract of member's parents issued by NSO;
3. Death Certificates of member's parents issued by NSO;
4. Birth Certificate of member's parents issued by NSO;
5. Affidavit of Surviving Legal Heirs stating among others that affiants
are the only surviving legal heirs of the deceased member, their date
of birth and relationship to the deceased member and that they are
executing the document for the purpose of claiming the benefit from
GSIS;
6. Birth Certificate of all the siblings of the deceased member issued by
NSO;
7. Marriage Contract of all the female siblings of the deceased member
issued by NSO;
8. If with deceased brother or sister, extra judicial settlement among the
legal heirs of the deceased brother / sister of the member designating
one payee;
Additional Requirements for Muslim Members

1. Proof of Surviving legal heirs indicating all the wives and children
2. If only one (1) spouse is claiming: submit duly notarized affidavit
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that her husband has no other marriages/wife

3. Court Order for Guardianship should be issued in the absence of
parent for minor children
4. Application for survivorship must be duly endorsed by the office and
a certification indicating the legal spouse/s and children/s of the
deceased
BURIAL BENEFIT
What constitutes the burial benefit that may be claimed from the
GSIS? This is the benefit intended to help defray the expenses incidental
to the burial and funeral of the deceased member, pensioner or retiree.
Who may avail?
1. Surviving Spouse
2. Any of the following persons who can present receipt/s of expenses,
provided that the surviving spouse, if still living, has acknowledged that
this person shouldered the funeral expenses
Children of the deceased member or pensioner
For single deceased member or pensioner, relatives up to second
degree of consanguinity; and
Any claimant other than children
What are the documentary requirements for claiming the benefits?
1. If claimant is the spouse
Death Certificate issued by the Local Civil Registrar (LCR) or NSO
Marriage Contract of member issued by NSO
Birth Certificate of spouse issued by the NSO or LCR or two (2)
valid government issued IDs with date of birth and picture if claimant
is not a GSIS member
Certification of Last Day of Actual Service (LDAS), if member died

in active service
2. If claimant is other than the spouse
Affidavit of Funeral Expenses;
Death Certificate of member issued by the Local Civil Registrar
(LCR) or NSO
Death Certificate of spouse issued by the Local Civil Registrar (LCR)
or NSO
If legal spouse is living, duly notarized waiver of the legal spouse in
favor of the claimant
Two (2) valid IDs of the legal spouse with signature
If claimant is not a GSIS member, Birth Certificate of claimant issued
by the NSO/LCR or two (2) valid government issued IDs with date of
birth and signature
Official Receipt issued to the claimant
Certification of Last Day of Actual Service (LDAS), if member died
in active service
Notes:
The Operating Unit Concerned (OUC) may require additional
documents if documents submitted have discrepancies (e.g. name,
appellation)
The claimant should submit original documents. If photocopy,
original should be presented to the Frontline Staff for authentication.
Additional documents may be required by the OUC if with adverse
claim
(FOR ALL CLAIMS AGAINST GSIS, MEMBERS/PENSIONERS SHALL FILE A
DULY ACCOMPLISHED APPLICATIOLN FORM TO THE DESIGNATED
LIASON OFFICER OF EACH AGENCY CONCERNED)//
COMMISSION ON CIVIL SERVICE

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PROGRAM/S AVAILABLE
ALTERNATIVE WORK ARRANGEMENTS FOR GOVERNMENT
EMPLOYEES AFFECTED BY TYPHOON YOLANDA (CSC MC
No. 23. S. 2013)
(Pursuant to CSC MC No. 2. S. 2012 which provides for a 5-day
emergency leave to government
employees
affected
by
natural
calamities/disasters. The MC, considering the devastation wrought by
typhoon Yolanda, cognizant of the need to have enough time to begin the
process of recovery and rehabilitation and of the need to resume the
delivery of government services, CSC adopts this alternative work
arrangement pursuant to CSC resolution No. 1302542 dated November
18, 2013 to address the concerns of government personnel in relation to
the performance of their official function)
Who may avail?
Government employees in the areas severely affected by typhoon Yolanda
granted thereof; Heads of agencies shall take steps to properly record work
arrangements adopted for their personnel
What privilege/s do employees have under this program?
Exemption from work with pay from the first working day following
the onslaught of the typhoon until such time that the conditions in the
area have normalized or as may be determined by head agency (i.e. not
necessarily limited to 5 days).
Note: If operations may be immediately restored, albeit partially, agency
heads may require employees to work on rotation basis; if physically
impossible for employees to resume work in their designated stations (e.g.
offices/work stations completely destroyed), employees may be
temporarily assigned to work in the nearest regional/field office or
attached agency or other agencies in the area, upon coordination with
concerned agencies, to help in the immediate restoration of public
services//
How to avail?
Concerned government personnel should make known to their agency
heads that they would seek exemption from work.
Note: Heads of government agencies in the affected areas shall take full
responsibility for the grant of work exemption, including the period
covered and verification of the employees eligibility to be
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SOCIAL SECURITY SYSTEM

=====================================================
=
PROGRAMS/BENEFITS AVAILABLE
Advance Pension of Six Months for Pensioners
FUNERAL AND DEATH CLAIMS
MORATORIUM on monthly loan amortization payments falling
due from November 2013 to June 2014
Salary Loan Early Renewal Program (SLERP)
Reduction of interest rates for Direct House Repair and
Improvement Loan to six percent (6% p.a) from the existing rate
and waiving of processing fee
On the Unified Multipurpose Identification Card (UMID), the
replacement fee shall be waived for members who lost their IDs due
to the calamity.
ADVANCE PENSION OF SIX MONTHS FOR PENSIONERS
Who May Avail?
Existing SS Retirees
Disability Pensioner
Survivor Pensioners.
Provided, that their residence is located in the calamity areas as declared
by the NDRRMC
Note: In case the pensioner is receiving both SS and EC pensions, ONLY
their SS pension benefits shall be given in advance.
How to Avail of this type of Assistance?

For Pensioners: they may avail the 6 month advance pension until April
30, 2014.
For Partial Disability Pensioners: the may apply for the advance
pension for the remaining months of the partial disability pension but
not to exceed the 6-month period.
What are the Documentary Requirements for this assistance?
The pensioner shall submit the properly accomplished Application
Form duly Certified by the Barangay Chairman or
Attach to the form, a Certification from any of the following as a proof
that pensioner is affected by the calamity, in case Part II of the form is
not accomplished:
Barangay Chairman
DSWD
NDRRMC
Note that: if the address of the pensioner indicated in the application
form, which should be within the calamity areas declared by the
NDRRMC, is the same as that in SSS' record, the application shall be
accepted even without any of the required Certification.
Where to file the application for the six-month advance pension for SSS
pensioners?
SSS will implement the File Anywhere Policy. All branches shall
receive applications for the six-month advance period.
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What IDs are required to be presented by the Pensioners to avail this

type of assistance?
May a pensioner who initially applied for/granted the 3 month advance
pension pursuant to the first announcement and that which was granted,
still file another application for the six month advance pension?
YES. However, such pensioner is only qualified to receive the additional
three (3) months to complete the 6-month advance pension.
When is the deadline for the transmission and encoding of applications
for advance six-month pension?
The branches shall transmit all applications to the Processing Center
(PC) not later than May 9, 2014. Otherwise, the application shall no
longer be entertained by the PC.
Note: PC's shall encode in the Calamity Payment Module the
applications not later than May 14, 2014. Otherwise, the system shall
automatically deny the application.
Note further that starting December 2, 2013, all applications received
by the PC for encoding shall be automatically granted six-month
advance pension.
When is the generation of checks for the 6-month advance pension
done?
The generation of check for the six-month advance pension and the
additional three month advance pension shall be done once a week.
(every Saturday)
Note that any pension overpayment resulting from the death of a
pensioner during the period when the pension was advanced shall be
deducted from the death benefit due the beneficiaries of the pensioner.
In the event that there are no longer beneficiaries entitled to death
benefit, the pension overpayment shall be written off.
The Pensioners may be requested to present any of the following:

SS card
Unified Multi-Purpose ID
Passport
PRC Card
Seaman's Book
two (2) valid ID's at least one with photo and both with signature.
In the absence of the required IDs, any 2 of the ff documents may
be presented:
Voter's Affidavit/Certificate of Registration
ATM Card (with cardholder's name/ with certification from bank, if
without name)
Major Credit Card
GSIS Card/Member's record/ Certificate of Membership
Health or Medical Card
Birth Certificate
Baptismal Certificate
Marriage Contract
NBI Clearance
Pag-IBIG Member's Data Form
Permit to Carry Firearms issued by the Firearms & Explosive Unit of
PNP
PHIC Member's Data Record
Police Clearance
Seafarer's Registration Certificate issued by the POEA
Temporary License issued by the LTO
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Alien Certificate of Registration

Bank Account Passbook
Certificate from:
o Office of the Southern/ Northern Cultural Communities
o Office of Muslin Affairs
Certificate of Licensure/ Qualification Documents & Record Book
from Maritime Industry Authority
Certificate of Naturalization from the Bureau of Immigration
Life Insurance Policy
Birth/ Baptismal Certificate of child/children or its equivalent.
How may a representative of the pensioner file the application?
A representative of the pensioner who will file an application form on the
latter's behalf may be requested to submit the following:
1. Authorization from the pensioner together with the pensioner's
photocopy of IDs, whichever is available, or in the absence of the
required id's, any two of the documents as stated above; and
2. Photocopy of the representative's IDs whichever is available, or in
the absence of the required IDs, any of the two documents stated
above.
Where to monitor the status of claims?
Claim Status Inquiry shall be available in the Payment History of the
SSS WINS and SSS Website.
Note: that the resumption of the monthly pension shall be automatically
done by the System after the 6-month period.
SUMMARY OF PROCEDURE:
File the application form for Advance Six (6) Month Pension or the
additional Three Month Advance Pension.
Branch receives and screens the accomplished application form duly
certified by the Barangay Chairman or together with the Certification
from the Barangay/Chairman/DSWD/NDRRMC that pensioner is a
resident of the area and affected by the calamity, in case Part II of the
form is not accomplished.
Branch Requests pensioner to present Identification.
Branch Checks the following:
If application is filed within the prescribed period
if the residence of the applicant as indicated in the application form is
in the list of calamity areas provided by the NDRRMC.
Note that if FILED BEYOND the deadline and/or residence of
applicant is not in the list of calamity areas, returns the application form
and writes reason/s for rejection.
If the address of pensioner indicated in the application form as against
his/her address in the database.
If the pensioner is eligible to avail the advance pension
Branch verifies from the SSS Web Inquiry System(WINS) the
following:
whether the pensioner was already granted three months advance
pension.
Claim reference number of the active claim and indicate in the upper
right portion of the application form
Branch stamps the date and time of receipt and affixes signature over
printed name in the application form
Prepares Transmittal List of Applications to be signed by the Branch
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Head
Process Center (PC) receives and process the accomplished application
form together with the complete supporting documents from the
Branches by the processor.
PC encodes in the Calamity Payment Module the following:

SS number of member
Claim Reference Number
Filing Branch
Date of Filing
Calamity Type
Files approved application form

Generation and Release of Check
(Below are the requirements from the form, itself. (Annex A1)
Q:
What are the documents needed for filing of an application for
Advance 6 month pension?
A:
[Note that the applicant needs to present the original and submit
photocopy of identification document/s together with the form to the
nearest SSS Branch Office]
1. If filed by the PENSIONER: (any of the following)
o SSS card
o UMID Card
o Passport
o PRC Card
o Seamans Book
o Any two valid IDs (Both with signature and at least 1 with photo)
2. If filed by an authorized representative:
o Representatives SS Card or UMID Passport or PRC Card or

Seamans book or any two valid IDs (both with signature and at
least with 1 photo)
o Pensioners SS Card or UMID or Passport or PRC Card or
Seamans Book or any two valid IDs (Both with signature and at
least 1 with photo)
o Letter of Authority (LOA) signed by both pensioner and
representative
Q: Who can be witnesses if the pensioner cannot sign?
A: If pensioner cannot sign, witnesses to fingerprinting shall be as follows:
Filed by the pensioner: SSS receiving personnel who shall affix his/her
signature on the portion provided
Filed by the authorized representative: two witnesses, one witness is the
authorized representative himself and the other one could be any person
FUNERAL AND DEATH CLAIMS

Who May Avail of this Assistance?
CLAIMANTS of SSS Deceased Members who were affected by
calamity whose residence is located in the calamity areas declared by
the NDRRMC
Claimants of SSS Deceased Members whose bodies were not
recovered.
What are the documentary requirements to be submitted?
Certificate of Missing Person believed to be dead in times of disaster
from NDRRMC; and
Notarized undertaking executed by the claimant stating that the funeral
and death claims shall be returned should the member appear and
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proven to be alive.
Note that the usual procedures on the processing of funeral and death
claims shall be followed.
MORATORIUM ON MONTHLY LOAN AMORTIZATION
PAYMENTS FALLING DUE FROM NOVEMBER 2013 TO JUNE
2014
Moratorium
shall
mean
the
suspension
of
monthly
amortization/installment payment consisting of principal and interest,
without penalty accruing on the monthly amortization/ installment during
the moratorium period. After the moratorium period, the remaining loan
term shall be extended by the same number of months covering the
moratorium period.
Who May Avail?
SSS member-borrowers
acquired asset buyers
note that they must be affected by Super Typhoon Yolanda as declared
and would be declared areas as under the state of calamity by the
NDRRMC.
What is the period of Moratorium?
The moratorium will be for a period of eight (8) months covering the
due date of Nov. 2013 to June 2014 under the following:
Short-term Member Loan Program
Housing Loan Program
Acquired Asset Disposal Program (Housing)
What are the Eligibility Requirements?
Submit duly accomplished Moratorium Program Application Form to

any SSS branch/office
Presentation of SSS ID or UMID upon filing of the application form. In
the absence of an SS ID or UMID, presentation of two (2) IDs
acceptable to SSS.
The term of payment of the loan has not yet expired.
What are the terms and conditions of this type of assistance?
The member-borrower/buyer may defer the payment of loan
amortization/installment during the moratorium period.
No penalties being imposed on the said unpaid loan
amortization/installment
including
the
past
due
loan
amortization/installment of the account, if any.
The interest rate on loans that shall be applicable during the
abovementioned moratorium period only shall be reduced to 1% p.a.
The interest that shall accrue during the moratorium period as of June
30, 2014 shall be capitalized to form part of the remaining loan balance
to be amortized during the remaining loan term.
Should the existing loan balance include penalties resulting from
overdue loan payments, this shall also form part of the revised
amortization schedules but this portion shall be non-interest bearing
and the payment shall be in equal monthly installments for the
remaining loan term.
In the case of loans under the Member Loans Penalty Condonation
Program, no penalties shall be re-imposed for non-payment during the
period of moratorium.
The priority of distribution of payments shall be Penalty, Interest,
Principal and Penalty (from previous loan; without surcharge)
Note that the loan amortization/installment shall resume for the loan
amortization/installment payments falling due starting July 2014.
The remaining loan term shall be extended by the number of months
corresponding to the applicable moratorium period for the member's
16
loan but not to exceed eight months
When is the Deadline for the filing of application?

The Deadline for the filing of application shall be on April 30, 2014.
How to avail of the Program for Moratorium?
1. The member-borrower shall accomplish the application form for SSS
Moratorium Program on the Payment of Salary Loan Amortization
2. The member-borrower shall submit the application form to the nearest
Members Assistance Center/section of the SSS servicing branch
SALARY LOAN EARLY RENEWAL PROGRAM (SLERP)
This is to allow member-borrowers to renew their salary loan earlier
than the prescribed date based on the guidelines; and
to grant new salary loans under the revised terms and conditions
Who May Avail?
Members who:
have at least 36 monthly contributions (for a one-month loan) or
72 monthly contributions (for a two-month loan)
Six (6) of which should be posted within the last 12 months prior to the
month of filing of application.
Borrowers who availed of the penalty condonation program.
NOTE that the sanctions for loan renewal under the condonation
program shall be lifted for those who would avail of SLERP.
What are the Terms and Conditions of SLERP?

The availment period is up to April 30, 2014
The service fee of one percent (1%) shall be waived
The loan shall be charged an interest rate of one percent (1%) per
annum until fully paid based on diminishing principal balance, and
shall be amortized over a period of 24 months.
Note that if the loan is not fully paid at the end of the term, interest
shall continue to be charged on the outstanding principal balance until
fully paid.
In the case of those who avail of SLERP, the net amount of the loan
shall be the difference between the approved loan amount and the
previous loan balance.
Deductions form the loan proceeds shall include outstanding principal
and interest only.
Accrued penalties, if any, shall be NON-INTEREST bearing and may
be paid in equal installments for the term of the renewed loan together
with the scheduled amortization.
Any unpaid loan balance, shall be deducted from the next loan renewal
or from the member's final SSS claim, whichever comes earlier.
Priority of distribution of payments shall be Penalty, Interest, Principal
(current loan) and Penalty (previous loan, without surcharge).
Penalty of 1% per month on loan remittance not remitted on due date
shall be imposed
Repayment term shall be two (2) years.
The first monthly amortization shall start on the sixth month following
the date when the loan was granted.
17
SS loan amortization payments shall be remitted to SSS according to

the schedule of payment as prescribed under Circular No. 2011-03.
Any outstanding principal balance after the maturity date of the loan
shall continue to accrue interest until fully paid.
General Procedure:
The Branch shall:
receive and screen Member Loan Application Form
verify the applicant's eligibility to avail of the program
check applicant's residence/place of work indicated in the Member
Loan Application Form against the list of declared calamity areas and:
If the applicant is eligible/qualified to avail of the loan:
STAMP/WRITE name of calamity on the Member Loan Application
Form and issue the Acknowledgment Stub.
If the applicant is NOT eligible/qualified to avail of the loan: RETURN
the application form to the applicant and write the reason for rejection.
Note: that the member-borrower shall fill out the box others and indicate
SLERP- Super Typhoon Yolanda on the loan type portion of the
application form.
What are the steps in filing of the application for Moratorium
Program?
Fill out Member Details
Member must file application personally and must present his Social
Security Card
What needs to be done in case the Social Security Card is
lacking?
In the absence of the Social Security card, member is advised to
apply immediately for said card and present two (2) valid IDs, at
least one with photo and signature.
Encode and process application
What is the procedure in case the application is filed by the

members representative?
Who shall be responsible for the collection and remittance of the

amortization due on the member-borrowers SLERP?
If filed by the members representative, such representative must

present the following:
The employer through payroll deduction
1. HIS social security card or any two of the following IDs:

Unexpired drivers license
PRC Card
Passport
Postal ID
School or company ID
TIN Card
What happens if the member-borrower overpaid his previous loan?

Any overpayment on a previous loan shall be applied to the subsequent
loan, if any. Otherwise, the overpayment shall be refunded upon request of
the member-borrower.
18
2. Borrowers Social Security Card, if not available, the member is

advised to apply immediately for said card AND present 2 valid Ids,
at least one with photo and signature.
Applicant has not been granted final SSS benefit nor was refunded SSS
membership
Applicant and his/her spouse (if applicable) must be up to date in the
payment of all existing loan/s with the SSS.
NOTE: that the application form may be downloaded from the Intranet or
SSS Website
REDUCTION OF INTEREST RATES FOR DIRECT HOUSE
REPAIR AND IMPROVEMENT LOAN TO SIX PERCENT (6% P.A)
FROM THE EXISTING RATE AND WAIVING OF PROCESSING
FEE
What is the maximum amount of loan that may be secured?
Who May Avail of the Benefit/s under this Program?
SSS members who are currently employed

Self-employed
voluntary
OFW Members
Whose residence is located in the disaster area and whose house was
destroyed/damaged due to Typhoon Yolanda.
Note that the calamity area is identified based on declarations made by
the NDRRMC
Eligibility Criteria:
Applicant must be an SSS member
Applicant must have a total of at least 24 monthly contributions of
which three (3) contributions are within the last 12 month period prior
to the month of filing of the application.
Age of applicant is not more than 60 years old at the time of the filing
of application
Applicant has not been previously granted a House Repair and
or/Improvement Loan by the SSS
One Million Pesos at the interest rate of six percent(6%) per annum
subject to re-pricing on the fifteenth year anniversary of the loan
What are the Terms of Loan Payment?
The amortization period shall be in multiples of five (5) years with a
maximum of twenty (20) years but shall in no case exceed:
the economic life of the house/improvement, after repair and/or
improvement are introduced, as determined by the SSS; and
the difference between the age of the applicant and sixty-five (65)
Note that the loan shall be paid in equal monthly amortizations during
the term of loan payment.
What Collateral may be used as a security?
The collateral used to secure the repair and/or improvement loan shall
be the house and lot or condominium unit being applied for repair
and/or improvement.
Note that title must be free from liens and encumbrances except those
which are held by the SSS
Note further that the loan shall be duly covered by Mortgage
Redemption Insurance and Property Insurance which shall be
implemented in accordance with existing policies of the SSS.
Note that a loan shall be charged a penalty amounting to 1.5% of the
amount due for every month of delay or a fraction thereof until updated
or fully paid.
19
Period for Availment:

Filing of Application for direct house repair and/or improvement loan
is up to one year from the date of issuance of the SSS circular.
NOTE THESE TERMS AND CONDITIONS UNDER ANNEX D1

(form)
Who may avail?
For regular house repair and/or improvement loan:
those who are currently employed
self-employed
voluntary members and OFW members
For Disaster-Related House Repair and/or Improvement:
those who are currently employed**
self-employed**
voluntary members**
OFW members **
**whose residence is located in the declared calamity areas by
the NDRRMC, and house was destroyed/damaged by calamities.
How much contribution must one have to avail this
assistance?
For regular house repair: A total of at least thirty-six monthly
contributions with 24 monthly contributions prior to the month of
filing of the loan application.
For Disaster-Related House Repair and/or Improvement: A total

of at least 24 monthly contributions of which three (3) are within
the last 12 month period prior to the month of filing of the loan
application.
Other Eligibility requirements:
Age of applicant is not more than 60 years old at the time of
application and must be insurable
applicant has not been previously granted a house repair and/or
improvement loan by the SSS
applicant has not been granted final SSS benefit or was
refunded SSS membership
applicant and his/her spouse (if applicable) must be up to date in
the payment of all existing loans with the SSS.
What is the period of availment for disaster-related house
repair and/or improvement loan?
The filing of application for direct house repair and/or
improvement loan is up to one year from date of issuance of the
SSS circular.
NOTE: the loan may be cancelled by the SSS, if NOT availed of
within 6 months following the month of receipt of the notice of
loan approval. Any unreleased amount may be forfeited and
failure to complete the house repair and/or improvement shall be
a ground for foreclosure.
PLEASE SEE ANNEX D.2 for checklist of requirements.
20
ON THE UNIFIED MULTIPURPOSE IDENTIFICATION CARD

(UMID), THE REPLACEMENT FEE SHALL BE WAIVED FOR
MEMBERS WHO LOST THEIR IDS DUE TO THE CALAMITY.
(Resources: SSS Office Order NO. 2013-059)//
=====================================================
=
What are the Special Privileges to victims of Typhoon Yolanda
Available?
Accreditation and Benefit Availment
Membership and Contribution
Other Special privileges as may be determined by the Corporation
Who May Avail?
Victims: Members
Non-Members
Health Care Providers
ACCREDITATION AND BENEFIT AVAILMENT:
What are the privileges available?
1. Exemption to the following:
rules on forty five (45) days benefit limit both for the members and
their dependents
Single Period Confinement (SPC)
Less than 24 hour confinement
2. Reimbursement for both referring and receiving health care institutions
3. Payment of valid claims due for submission that are destroyed by the
typhoon
PhilHealth
21
4. Extension of the period on the following:

Filing claims after discharge
Deadline for submission of the required/mandatory health care
institution reports, accreditation validity and
Deadline for submission of application for accreditation of health
care providers.
PhilHealth Cir. 34 s. 2013: Guidelines on the Provision of Special

Privileges to those Affected by a Fortuitous Event
=====================================================
=
MEMBERSHIP AND CONTRIBUTION
This shall cover PhilHealth claims of those affected by a fortuitous event

that covers any of the following conditions:
What are the privileges available?

Extension of premium payment deadline for all members sectors.
What is the coverage of this circular?
Note: that the deadline for payment of contributions due the month
of November 2013 or on the 4th Quarter of 2013 for ALL
MEMBERS SECTORS shall be extended until MARCH 31, 2014.
PhilHealth and Non-PhilHealth members including dependents

PhilHealth accredited or non Phil-Health Accredited Health Care
Institutions (HCIs) either privately-owned or government-owned.
Note that for Non-PhilHealth accredited HCIs it must be DOH licensed
or certified by a certifying body recognized by PhilHealth
Submission of Contribution Reports of Employers is also extended

up to March 31, 2014.
PhilHealth accredited or Non-PhilHealth accredited health care

professionals duly licensed by PRC
OTHER SPECIAL PRIVILEGES AS MAY BE DETERMINED BY

THE CORPORATION
Claims for treatment done as an outpatient or inpatient relative to

the direct and indirect effects of the fortuitous event within the HCI or
in an improvised/satellite facility.
Transferred from or managed by health care personnel from

accredited facilities in an evacuation area, or improvised health care
facilities.
SOURCE: PhilHealth Advisory no. 11-02-2013

(uploaded: 11-25-2013)
22
What are the Requirements / Processes?
Declaration of state of calamity, or state of emergency and

analogous certification depending on the fortuitous event.
Note that in the absence of such documents, justification letters from
the authorized government agencies may be submitted subject to
validation by the concerned PhilHealth Regional Office (PRO)
The Health Care Institutions affected by the fortuitous event shall

send a letter request for application of this Circular duly signed by the
Medical Director/Chief of Hospital or any authorized representative to
the concerned PRO, the following must be included in the letter:
Description of the effects of the fortuitous event
Explicitly mention if majority of the claims under the HCIs custody
were totally destroyed and can no longer be recovered or
reconstructed
The PRO (Philhealth Regional Office) shall undertake the following

actions upon receipt of the request/s:
Organize a validation team either composed of staff from the
concerned LHIO or from the PRO or both to validate the basis of
such request.
Send the written request letter of the HCI along with the post
validation report, with recommendation, duly signed by all members
of the validation team, and the Regional Vice President and Area
Vice President containing the recommendation of the PRO to the
President and CEO for approval.
The PRO and the HCI shall be informed of the decision of the
President and CEO through a written communication.
Should there be no other authority that has established the specific

date of the fortuitous event's end, the concerned PRO shall send a
written communication to the PCEO, duly signed by the Regional Vice
President and Area Vice President, with regard to the specific end date
of application of special privileges. In turn, the Central Office shall
inform the PRO of the PCEO's concurrence or denial of their
recommendation.
What are the Benefits Available?
Existing inpatient, outpatient and other packages.
Emergency cases shall be given utmost priority during the period of

the fortuitous event. Elective procedures when performed during the
declared/specified period of a fortuitous event shall not be covered by
any of the special privileges except for the extension period for the
filing of the claim.
No Balance Billing (NBB) policy shall be in effect for all the

applicable cases. Private HCIs are highly encouraged to observe the
NBB policy during the period of the declared/specified period of a
fortuitous event.
Reimbursement shall be based on the provider payment mechanism

at the time of admission.
Rules on direct filing except the special privileges and other

applicable provisions shall still be in effect.
23
PhilHealth benefit deduction upon discharge is mandatory. Direct

filing by members shall be allowed if treated in non-accredited HCIs
and transfer is impossible/not feasible. The non-accredited HCI should
be duly licensed by DOH or certified by a body approved by
PhilHealth.
Extension of deadline of payment of premium contribution and/or

extension of the date of an existing coverage as prescribed by the
Corporation
As to individuals that need health care services, who are eligible to avail
of the applicable benefits of this circular?
What are the Special Privileges Available?
Submission of claims 120 calendar days from the date of discharge.

This shall also cover claims due for submission for discharges
covering the period sixty (60) calendar days before and until the day
prior to the actual date of the occurrence of the fortuitous event.
Exemption from the forty five(45) day benefit limit and Single
Period of Confinement (SPC) for admissions directly or indirectly
related to the Fortuitous Event.
Reimbursement for both referring and receiving Health Care

Institution
Exemption to the less than 24 hour confinement rule
Priority in processing of claims
Extension on the submission of the required/mandatory HCI reports
Extension of the accreditation validity and/or submission of

application of health care providers
PhilHealth member and non-members, subject to the requirements below.

It should be emphasized that patients shall be checked whether he/she is an
existing PhilHealth member/dependent or not.
PhilHealth Member/Dependent
Eligibility Requirements:
HCIs shall check for eligibility to benefit entitlement that is paid
premium contribution for at least three (3) months within the six (6)
months prior to first day of availment, or
IF WITHOUT qualifying contribution as stated in A1 and has the
ability to pay for his/her own premium, the member shall pay in full
the required premium contribution for the calendar year or the
missed premium contribution/s plus the other premiums to complete
the calendar year to be paid at the nearest PhilHealth Office
Note that for patients with NO CAPACITY to pay (indigents/critical
poor), the premium contribution shall be shouldered by the government
HCI stipulated in the Joint Order 2013-0031: Enrolment of Critical
Poor under the Sponsored Program of the National Health Insurance
Program at Point-Of-Care (POC)
Reimbursement for destroyed claims

24
NON-PhilHealth Members
Non-PhilHealth Members WITH capacity to pay: They are
instructed to pay in full the premium contribution for the calendar
year to the nearest PhilHealth Office
A. CALAMITY LOAN
B. MORATORIUM ON AMORTIZATION PAYMENTS OF PAG-IBIG
BORROWERS
DIRECTLY
AFFECTED
BY
TYPHOON
"YOLANDA"
Non-PhilHealth Members WITH NO capacity to pay the premium

contribution shall follow the above note.//
Calamity Loan
Who May Avail?
The calamity loan program is open to any Pag-IBIG member who:
1.
2.
Has made at least 24 monthly savings;

Is an active member with at least 5 monthly savings for the last 6
months as of month prior to the date of loan application; and
3.
Resides in an area which is declared by the Office of the
President or the Local Sanggunian concerned as under a state of
calamity. If the member has an existing Housing Loan, Multi-Purpose
Loan (MPL) and/or Calamity Loan, the account must not be in default
as of date of loan application.
If the member has an existing Housing Loan, Multi-Purpose Loan (MPL)
and/or Calamity Loan, the account must not be in default as of the date of
the loan application.
Pag-Ibig
================================================
How much can a member loan?
What are the benefits available?

25
An eligible member may borrow up to a maximum of 80% of his Total

Accumulated Value (TAV) subject to the terms and conditions of the
program.
Eligible borrowers must avail of the Calamity Loan within a period of 90

days from the declaration of a state of calamity.
The current interest rate for the Calamity Loan is 5.95% per annum.
What are the documentary requirements for the loan application?
What is the payment period?

The Calamity Loan is amortized over a period of 24 months with a grace
period of 3 months. Said member shall start paying his loan on the 4th
month following the date of his DV/Check date.
Can a member still avail of a Calamity Loan even if he has an
outstanding MPL/Calamity Loan?
Yes, said member may still avail of a Calamity Loan subject to certain
conditions. In no case, however, will the aggregate short-term loan (MPL
and Calamity Loan) exceed 80% of the borrowers TAV.
Completely filled-up Calamity Loan Application Form*

Photocopy of at least 2 valid IDs
Proof of Income
For formally employed members, duly accomplished Declaration of
Being Affected by Calamity*.
Said documents can be downloaded from the Pag-IBIG Fund website at

www.pagibigfund.gov.ph or can be secured at any Pag-IBIG Fund office.
Where can one apply for a loan?
The borrower may submit his requirements to any Pag-IBIG Office
nationwide.
If, in addition to an outstanding MPL, the member also has an outstanding

calamity loan in the amount of P2,000, in the example above, the member
is still granted a new calamity loan of P3,000 but will only receive P1,000
because the P2,000 will pay off the existing calamity loan balance. This
means that at any given time, a member can have both MPL and calamity
loan, but only one calamity loan.
Until when can an eligible member avail of the loan?
B. MORATORIUM ON AMORTIZATION PAYMENTS OF PAGIBIG BORROWERS DIRECTLY AFFECTED BY TYPHOON

"YOLANDA"
26
Who May Avail?

The program is open to Pag-IBIG housing loan borrowers, whose places of
business/work, or whose properties mortgaged with the Fund, are located
in areas placed under a state of calamity.
What are the eligibility requirements?
To qualify for the moratorium program, the borrower must meet the
following eligibility requirements:
The borrower is adversely affected by the calamity, or its after effect
such that:
his residence is damaged; or
his sources of income has been impaired
He must be updated with his HL and/or STL amortization payments as
of month prior to date of application in case he is applying for
moratorium of such payments.
Note: In case of delayed posting of the monthly HL and/or STL
amortization payments in the branch, his HL and/or STL amortization
payments must be updated as of date of last posting of payments.
How to apply for Moratorium?
Automatic moratorium shall be effected for HL and STL accounts that

are maintained in Pag-IBIG Fund Tacloban branch starting from 11
November 2013 to 11 April 2014. Said eligible HL and STL borrowers
under the said branch need not apply for moratorium on their HL and/or
STL amortization payments.
Eligible HL and STL borrowers for the moratorium program, whose
accounts are maintained in other Pag-IBIG Fund branches, shall be
required to apply for the said moratorium program. Applications for
availment of the HL and/or STL moratorium program must be filed with
Pag-IBIG Fund branches where the loan is maintained within ninety
(90) days from the date of the issuance of these guidelines.
Who May file application for moratorium?
Borrower
Borrowers spouse
Duly authorized representative
How long is the loan moratorium?
Eligible borrowers shall be granted a maximum moratorium period of
six (6) months on HL and/or STL amortization payments based on the
following:
o If the borrower has paid his amortizations before filing his
application for the program, the moratorium period shall start on the
nearest due date following the approval of his application; or
o In case the borrower has not yet paid his amortizations upon filing his
application for the program which is still within the availment period,
27
the moratorium period shall be reckoned from the nearest due date
after the date of last payment made.
Photo of damaged property/affected source of income
Note: Payment of HL and/or STL amortization shall resume on the

month following the last month of the borrower's moratorium period.
Can a member-borrower still avail of other Pag-IBIG benefits during

the moratorium period?
The borrower may pay his HL and/or STL amortization even during the
moratorium period. Said payment, however, shall be applied to the
month when the borrower is slated to resume payment.
Yes. The member-borrower can still avail of other Pag-IBIG benefits,

MPL or Calamity Loan. The availment of the moratorium shall not
preclude the member from enjoying other Pag-IBIG Fund programs, which
may be beneficial to him/her.
What is the period for moratorium on HL and/or STL?

The moratorium on HL and STL amortization payments shall take
effect retroactively starting 11 November 2013 to 11 April 2014.
For STL, a borrower with an existing Multi-Purpose Loan (MPL), who
also availed of Calamity loan (Cl) Program for Members Affected by
Typhoon Yolanda, shall be allowed
to avail of moratorium on his
MPL only.
What are the documentary requirements?
Accomplished two (2) copies of Application for Moratorium on
Housing Loan Amortization Payments (AMHLA)
2 valid IDs
Employer/Barangay Certification
For inquiries, Pag-IBIG Funds hotline is open 24/7 (02) 724-4244. Emails can be sent to publicaffairs@pagibigfund.gov.ph.
Sources
www.pagibigfund.gov.ph
Pag-IBIG Circular No. 334 -- Moratorium on Amortization Payments of
Pag-IBIG Borrowers Directly Affected by Typhoon Yolanda
Pag-IBIG Circular No. 335 -- Implementing Guidelines for the Pag-IBIG

Calamity Loan Program for Members Affected by Typhoon Yolanda
xxxx
Note: The Employer/Barangay Certification is incorporated in the

application form to be signed by the Head of Office or authorized
representative or Head of Barangay, whichever is applicable.
28

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SALIENT FEATURES OF SOCIAL PROGRAMS

FOR THE SURVIVORS OF SUPER TYPHOON YOLANDA

GOVERNMENT SERVICE INSURANCE SYSTEM

Must be a bonafide resident/employee of the government

How much may be availed of as Emergency Loan? In general,

Php 40,000 for members in active service;

How can members apply for the Emergency Loan?

For OTC application -- Application to be filed in GSIS offices covering

GSIS will waive the requirement to pay 12 monthly

For old-age pensioners living in calamity-declared

Place employees eCard Plus on the card reader of the

Place any of his pre-selected fingers on the fingerprint

Using the touch screen monitor of the G-W@PS, a

Who are covered by the moratorium program?

Members in active service can coordinate with/ pursue their application

(http://www.gsis.gov.ph/default.php?type=root&id=372) these are the 126

In the Province of Antique

In the Province of Capiz

In the Province of Iloilo

In the Province of Leyte

In the Province of Negros Occidental

To which types of loan is the program applicable?

In the Province of Palawan

In the Province of Eastern Samar

The accounts of pensioners who availed of the installment payment of

The moratorium will be applied automatically to the outstanding loans of

When may a member apply?

HOME EMERGENCY LOAN PROGRAM (H.E.L.P.)

Interest Rate and Loan Term

Maximum Loanable Amount

Commencement of Amortization Payment

Monthly amortization shall commence in July 2014, and the first

Other Deductions / Loan Net Proceeds

Those who were receiving survivorship benefits but were

Those who applied for survivorship benefits but were

The dependent legitimate, legally adopted or legitimated

What are the documentary requirements?

Additional Requirements for Muslim Members

that her husband has no other marriages/wife

Certification of Last Day of Actual Service (LDAS), if member died

COMMISSION ON CIVIL SERVICE

SOCIAL SECURITY SYSTEM

How to Avail of this type of Assistance?

What IDs are required to be presented by the Pensioners to avail this

The Pensioners may be requested to present any of the following:

Alien Certificate of Registration

PC encodes in the Calamity Payment Module the following:

Files approved application form

o Representatives SS Card or UMID Passport or PRC Card or

FUNERAL AND DEATH CLAIMS

Submit duly accomplished Moratorium Program Application Form to

loan but not to exceed eight months

When is the Deadline for the filing of application?

Borrowers who availed of the penalty condonation program.

What are the Terms and Conditions of SLERP?

SS loan amortization payments shall be remitted to SSS according to

Encode and process application

What is the procedure in case the application is filed by the

Who shall be responsible for the collection and remittance of the

If filed by the members representative, such representative must

The employer through payroll deduction

1. HIS social security card or any two of the following IDs:

What happens if the member-borrower overpaid his previous loan?