Government Service Insurance System

The following are the benefits that may be extended to the disaster victims:

A. GSIS Disability Benefit1

What is a disability under the Government Service Insurance System?

Disability refers to any loss or impairment of the normal functions of the physical and/or mental
faculties of members, which permanently or temporarily prevents them to continue with work or
engage in any other gainful occupation resulting in the loss of income. The corresponding disability
benefits for each kind of disability granted to members are based on the duration of incapacity to work
and actual loss of income.

What are the three kinds of disability under the Government Service Insurance System?

There are three kinds of disability determined by GSIS based on established medical standards: a)
Permanent Total Disability, b) Permanent Partial Disability, and c) Temporary Total Disability.

1. Permanent Total Disability (PTD) – disability due to injury or disease causing complete,
irreversible and permanent incapacity that will permanently disable a member to work or to
engage in any gainful occupation resulting to loss of income. The following disabilities are
deemed total and permanent:

 complete loss of sight for both eyes;

 loss of two limbs at or above the ankle or wrists;

 permanent complete paralysis of two limbs;

 brain injury resulting in incurable imbecility or insanity; and

 such other cases as may be determined and approved by GSIS

Who can file the Permanent Total Disability Benefit?

Members who become permanently and totally disabled are entitled to PTD benefits when:

 In the service at the time of disability; or

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http://www.gsis.gov.ph/active-members/benefits/disability/
  If separated from the service, have paid at least 36 months contributions within the five year
period immediately preceding the disability; or have paid a total of at least 180 months
contributions prior to the disability;

Provided, however, that the following conditions are met:

 Gainfully employed prior to the commencement of disability resulting in loss of income;

 Not a registered member of any social insurance institution; and

 Not receiving any other pension either from GSIS or another local or foreign institution or
organization

What are the benefits that the GSIS member may receive under the Permanent Total Disability
Benefit?

 Members who become permanently and totally disabled are entitled to the monthly income
benefits for life equivalent to the basic monthly pension (BMP) effective from the date of
disability. In addition to the monthly income benefits for life, a cash payment equivalent to 18
times the basic monthly pension (BMP), will be paid to members who were in the service at the
time of the permanent total disability and who have paid a total of 180 monthly contributions.

 Separated members who have at least three years of service and become permanently and
totally disabled but have not paid a total of at least 180 monthly contributions prior to the
disability are entitled only to cash payment equivalent to 100% of their average monthly
compensation for each year of service with paid contributions but not less than twelve thousand
pesos (Php12,000.00).

What is a permanent partial disability under the Government Service Insurance System?

2. Permanent Partial Disability (PPD) – arises due to the complete and permanent loss of the use
of any of the following resulting to the disability to work for a limited period of time:

 any finger

 one arm

 one foot

 any toe

 one hand

 one leg

 one or both ears

 hearing of one or both ears

  sight of one eye

 such other cases as may be determined and approved by the GSIS

Who can file the permanent partial disability benefit?

Members whose disability are partial are entitled to PPD benefit when:

 In the service at the time of disability; or

 If separated from the service, have paid at least 36 months contributions within the five year
period immediately preceding the disability; or have paid a total of at least 180 months
contributions prior to the disability.

Provided, however, that the following conditions are met:

 Gainfully employed prior to the commencement of disability resulting in loss of income as

evidenced by any incontrovertible proof thereof;

 Not a registered member of any social insurance institution; and

 Not receiving any other pension either from GSIS or another local or foreign institution or
organization

What are the benefits that the GSIS member may receive under the Permanent Partial Disability
Benefit?

 The period of entitlement to PPD benefit is determined after due medical evaluation; but such
period of entitlement to the benefit will not exceed 12 months for the same contingency. Only
the leave of absence/s without pay incurred during the period of entitlement, duly certified by
the authorized officer of the agency where members are employed, is compensable.

 The amount of PPD benefit is computed by dividing the BMP by 30 days and multiplying the
quotient by the number of compensable calendar days of leave of absence without pay (LWOP).

What is a temporary total disability under the GSIS?

3. Temporary Total Disability (TTD) – accrues or arises when the impaired physical and/or mental
faculties can be rehabilitated and/or restored to their normal functions, but such disability will result in
temporary incapacity to work or to engage in any gainful occupation.

Who can file the temporary total disability?

Members are entitled to the TTD benefit when:

 In the service at the time of disability; or

  If separated from the service, have paid at least 36 months contributions within the five
year period immediately preceding the disability; or have paid a total of at least 180 months
contributions prior to the disability;

Provided, however, that the following conditions will be met:

 Gainfully employed prior to the commencement of disability resulting in loss of income;

 Not a registered member of any social insurance institution; and

 Not receiving any other pension either from GSIS or another local or foreign institution or
organization.

The payment of TTD benefit may be extended by GSIS up to a maximum of 240 days, subject to medical
evaluation.

What are the benefits that the GSIS member may receive under the temporary total disability?

 The period of entitlement to TTD benefit is determined after due medical evaluation and proof
of actual loss of work resulting in loss of income by way of the incurred actual number of days of
leave of absence/s without pay duly certified by the authorized officer of the agency where
members are employed; but such period of entitlement to the benefit should not exceed 120
days in one calendar year.

 However, if the disability requires more extensive treatment that lasts beyond 120 days, the
payment of TTD may be extended by GSIS but not to exceed a total of 240 days. Only the leave
of absence/s without pay incurred during the period of entitlement is compensable.

 Entitlement, however, starts from the fourth day of the disability. The amount of TTD benefit is
computed by multiplying 75% of the daily salary of members by the number of days of disability
based on the medical evaluation but not to exceed 240 days for the same contingency.
However, the computed daily salary shall not be less than Php70.00 but not to exceed
Php340.00 per day.

Who are disability pensioners?

Disability pensioners are those who left the government after having been diagnosed with
disabilities that led to complete, irreversible, and permanent incapacity to work or to engage in any
gainful occupation, resulting in loss of income.

They may be any of the two types:

a. Under the Republic Act No. 8291, disability pensioners are those who sustained non-
work connected disabilities; and
 b. Under Presidential decree No. 626 or employees compensation pensioners are those
who sustained work-related disabilities.

What are the benefits of the employee compensation disability pensioners?

The benefits that the pensioner may receive under the employee compensation disability are
the following:

1. Basic Monthly Pension for life but not exceeding Php 3,564 (medical reimbursement)

2. Monthly Carer’s allowance of Php 575

3. Rehabilitation Service

4. Funeral Benefit

5. Survivorship Benefit for spouse and minor children.

 B. EMERGENCY LOAN

I. EMERGENCY LOAN (General)

What is an emergency loan?

The Emergency loan provides assistance to GSIS to members affected by natural
calamities. The member must be from a calamity-hit area. This means that the local Sangguniang
Panlalawigan/Panglungsod and/or the NDRRMC must declare the area to be under a state of
calamity.

What is the term of payment of the emergency loan offered by the GSIS?
The loan is payable in three years or 36 equal monthly installments at an interest
rate of six percent per annum. If renewed, the balance of the outstanding loan will be
deducted from the proceeds of the new loan.

There is a list in the GSIS Website of the Calamity Hit areas and the inclusive dates by
which the eligible members can apply for the emergency loan. (http://www.gsis.gov.ph/active-
members/loans/emergency-assistance-loan/areas-eligible-for-emergency-loan/)

Who can file an emergency loan in the GSIS? (Eligibility)

1. a bona fide resident or employee of the government office within the declared calamity
area;
2. be in active service and not on leave of absence without pay;
3. has no arrearages in the payment of mandatory social insurance contributions; and
4. has no loan that has been declared in default.

Note:
Enhanced Emergency Loan. The emergency loan credit limit was increased from
Php20,000 to Php40,000, as part of additional assistance to members and pensioners, who
are either living or working in the areas severely damaged by typhoon Yolanda. GSIS
also waived the payment of 12 monthly amortization payment to renew the loan.

II. PENSIONER’S EMERGENCY LOAN

What is Pensioner’s Emergency Loan?

It is a loan facility open to old-age pensioners living in areas declared under a state of calamity.2

How will the GSIS know if the pensioner lives in the calamity area?

The pensioner’s address in GSIS records as of the date of declaration of calamity is the basis in
verifying the pensioner’s address.

Changing of address for the purpose of availing of the loan is not allowed.3

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If the pensioner has transferred to the calamity area prior to the declaration of calamity but was unable
to request change of address with GSIS, will he or she qualify for the loan?

No, the pensioner’s address in GSIS records as of the date of declaration of calamity will prevail.4

How much is the loanable amount under Pensioner’s emergency Loan?

The loanable amount under the Pensioner’s Emergency Loan is Php 20,000.00.5

However, the emergency loan credit limit was increased from Php20,000 to Php40,000,
as part of additional assistance to members and pensioners, who are either living or working in
the areas severely damaged by typhoon Yolanda. GSIS also waived the payment of 12 monthly
amortization payment to renew the loan.

How can pensioner apply for the loan?

Pensioner must personally submit an accomplished application form to any GSIS office.6

What are the repayment terms of Pensioner’s Emergency Loan?

The loan is payable in thirty-six (36) equal monthly instalments, which are deducted from the
monthly pension until the loan has been fully paid. The loan has a six percent (6%) interest per annum,
computed as follows:7

Loan Amount Php 20,000.00

Interest Rate 6%
Term of Loan 3 years
Amount of Interest P 3, 600.00
(Php 20,000.00x6%x3years)
Total loan amount Php 23, 600.00
(Php 20,000.00+ Php 3,600.00)
Monthly Amortization Php 655.56
(Php 23,600.00/Php 36 months

When is the first monthly amortization for the loan due?

The initial payment for the loan shall commence three (3) months after crediting of the loan
proceeds.

Is Pensioners Emergency Loan insured?

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 The Pensioners Emergency Loan is covered with compulsory Redemption Insurance (RI). The RI
premium depends on the age of the pensioner at the time of loan availment, as shown below:

Age RI rate per Age RI rate per Age RI rate per

Php 1,000.00 Php Php
1,000.00 1,000.00
52 0.53 68 2.20 84 9.54
53 0.58 69 2.41 85 10.41
54 0.63 70 2.64 86 11.30
55 0.69 71 2.90 87 12.22
56 0.76 72 3.21 88 13.17
57 0.82 73 3.55 89 14.16
58 0.90 74 3.92 90 15.20
59 0.98 75 4.31 91 16.32
60 1.06 76 4.73 92 17.59
61 1.16 77 5.16 93 19.16
62 1.28 78 5.62 94 21.36
63 1.40 79 6.11 95 24.79
64 1.54 80 6.65 96 30.67
65 1.69 81 7.26 97 41.31
66 1.85 82 7.96 98 60.73
67 2.02 83 8.72
RI coverage is effective upon the granting of the loan. The RI premium covering the three-month
grace period is deducted from the loan proceeds, while the succeeding monthly premiums are deducted
from the monthly pension until the end of the term of the loan.8

Can the pensioner cancel the loan after the proceeds have been credited to the eCard or UMID card?

No, once the emergency loan is approved and the loan proceeds have been electronically
credited to the pensioner’s eCard or UMID card account, the pensioner can no longer cancel the loan.9

Can the pensioner preterminate the loan?

The pensioner may preterminate the loan any time during its term, subject to the full payment
of the outstanding balance, including accrued interests, penalties, and surcharges, if any.10

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 C. FUNERAL BENEFITS

Who are the person covered by the Funeral Benefits?

The following are the persons covered under the Funeral Benefits
1. An active member;
2. A member who has been separated from the service but who is entitled to future
separation or retirement benefit;
3. An member who is an old age pensioner;
4. A retiree who at the time of his retirement was of pensionable age under RA 8291
but who opted to retire under RA 1616; and
5. A member who retired under RA 1616 prior to the effectivity of RA 8291 with at
least 20 years of service, regardless of age.

Who among pensioners are qualified for the funeral benefit?

The following are the person qualified for the funeral benefit:
1. Old-age pensioners who retired under RA 660, RA 8291, PD 1146, and RA 7699;and
2. PD 626 or EC pensioners11

Who can file the funeral benefit?

The following are the person who can file a funeral benefit to the nearest GSIS office
according to preference:
1. Legitimate spouse
2. Legitimate child who spent for the funeral services, or
3. any other person who can show unquestionable proof of his having borne the
funeral expenses of the deceased.

Are survivorship pensioners qualified for the Funeral Benefit?

No. Survivorship pensioners are not qualified for the Funeral Benefit.12

How much is the Funeral Benefit?

The Funeral Benefit of old-age and disability pensioners has been increased from Php
20,000.00 to Php 30,000.00 for pensioners whose date of deaths is on or after 1 September 2015,
the effective date of the increase.
Similarly, the funeral Benefit of EC pensioners has been raised from Php 10,000 to Php
20,000.00 by virtue of Executive Order 167 effective 20 June 2014.
The Funeral Benefit of uniformed personnel of the Philippine National Police, Bureau of
Jail Management and Penology and Bureau of Fire Protection who retired under GSIS laws
remains at Php 10,000.00.13

What are the requirements that must be presented by the beneficiary/beneficiaries of the
funeral benefit?
The beneficiary/ies must file the following requirements:

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a. If claimant is the legal spouse:
1. Original copy of Death Certificate of the member from the National
Statistics Office (NSO).
2. Original copy of Marriage Contract from NSO
3. Two valid IDs (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.
 For immediate full payment of the benefits, and in the absence of
NSO Birth Certificate, valid passport or visa; driver’s license; PRC
ID with record of birth may be submitted
 Claimant’s birth certificate is not required if the claimant is
either a GSIS member or pensioner.
b. If 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 claimant’s 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.
6. GSIS Affidavit of Funeral Expense Form
7. Original & Xerox copy of Official Receipt under the claimant’s name or if a
Funeral Plan was used, a Certification from the memorial service provider that the
plan was availed of.
 D. SURVIVORSHIP BENEFIT

Who can file the Survivorship Benefit?(Eligibility)

The following person can file the survivorship benefit:

1. Must be a qualified primary or secondary beneficiary (See table below)

2. Must be residing in the Philippines
3. Those who were receiving survivorship benefits but were suspended when the policy on
the same was amended and implemented in August 2009; and
4. 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.

Who are survivorship pensioners?

Survivorship pensioners are the legal spouse and dependents of the following deceased
members and pensioners:

a. Old-age and disability pensioners;

b. Active members who have at least 15 years of periods with paid premiums;

c. Inactive members who have at least 15 years of periods with paid premiums.14

Can a common-law surviving spouse, if he/she is cohabiting to the deceased GSIS member or
pensioner without any legal impediment, availed of the survivorship program?

No, only the surviving spouse who was legally married to the deceased GSIS member and/or
pensioner, in accordance to our law, can availed of the survivorship benefit of the GSIS.15

How much is the pension of the legal spouse?

The legal spouse is entitled to receive a monthly pension equivalent to 5-% of the pension of the
deceased member or pensioner. This is called Survivorship Pension.16

Will the survivorship pensioners receive their pension for life?

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15
Leo Panaligan, March 6, 2017 Interview in the GSIS Head Office
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 No, the monthly pension will be stopped if the survivorship pensioner remarries, cohabits with a
person of the opposite sex, or engages in a common-law relationship.17

Who among the children of a deceased member or pensioner are qualified to receive pension?

Minor children and mentally or physically incapacitated children of a deceased member or

pensioner whose handicap has been acquired prior to age of majority are entitled to receive
Dependent’s Pension.

Qualified for Dependent’s Pension are legitimate, illegitimate or legally adopted children who
are not over 21 years of age (for pensioners under RA 660 and PD 1146) and not over 18 years (for
pensioners under RA 8291).

A maximum of 5 minor children, counted from the youngest , are entitled to the benefit.18

How much is the Dependent’s Pension?

It is equivalent to 10% of the basic monthly pension of the deceased member or pensioner.19

Will the dependent pensioners receive their pension for life?

No, their pension will be stopped once they reached the age of majority. However, even if they
reach the age of majority but are still incapable of self-support due to mental or physical handicap
acquired prior to age of majority, they will continue to receive Dependent’s Pension.20

What are the benefits of surviving spouses and children of a deceased Muslim member or pensioner
who has more than one wife?

The spouses of a male Muslim member or pensioner who has more than one legal spouse are
entitled to Survivorship Pension. The pension will be divided equally among the spouses, which should
not exceed four. This is in accordance with PD 1083 (Code of Muslim Personal Laws of the Philippines.

The pension of the minor children will be 10% each. The number of dependent pensioners
should not be more than five, counting from the youngest.21

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What are the documents that must be filed by the beneficiary when they are going to avail of the
Survivorship Benefit?

The application for survivorship benefits should be filed together with the documentary
requirements, namely:

A . Basic Documents

 Application Form

 Certification by agency/employer as to whether the deceased has a pending

administrative/criminal case

 Death certificate of member/pensioner issued by the National Statistics Office (NSO)

 Last Day of Actual Service; and

 Two (2) valid IDs of payees

B. If Married

 Marriage certificate between the deceased and his/her spouse issued by NSO

 Affidavit of Surviving spouse

 If spouse is not a GSIS member, Birth Certificate issued by NSO

 Birth Certificate/s of minor/incapacitated children issued by NSO

 If with minor/incapacitated children, Affidavit of Guardianship

o In either case, the affidavit needs to be supported by a court order. If there is no court
order, a Certification of Guardianship from the Barangay Captain and the City/Municipal
Social Welfare Head where the incapacitated dependent child is residing, is needed.

 If the legal guardian is not the natural parent, the affidavit should be supported by a
Certification from the Barangay and DSWD

C. If Single

 If with minor/incapacitated children, Affidavit of Guardianship

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  If the legal guardian is not the natural parent, the affidavit should be supported by a
Certification from the Barangay and DSWD; and

 If guardian is not a GSIS member, Birth Certificate issued by NSO

D. If without primary beneficiary (with Parents)

 Birth Certificate of member issued by NSO

 Marriage Contract of member’s parents issued by NSO

 Birth Certificate of member’s parents issued by NSO if parents are not GSIS
members/pensioners.

E. If without primary beneficiary (without Parents; with Siblings)

 Birth Certificate of member issued by NSO

 Marriage Contract of member’s parents issued by NSO

 Death Certificates of member’s parents issued by NSO

 Birth Certificate of member’s parents issued by NSO

 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

 Birth Certificate of all the siblings of the deceased member issued by NSO

 Marriage Contract of all the female siblings of the deceased member issued by NSO

 If with deceased brother or sister, extra judicial settlement among the legal heirs of the
deceased brother / sister of the member designating one payee

F. Additional Requirements for Muslim Members

 Proof of Surviving legal heirs indicating all the wives and children

 If only one (1) spouse is claiming: submit duly notarized affidavit that her husband has no other
marriages/wife
  Court Order for Guardianship should be issued in the absence of parent for minor children

 Application for survivorship must be duly endorsed by the office and a certification indicating
the legal spouse/s and children/s of the deceased

Coverage of the Survivorship Benefit

1. All primary and secondary beneficiaries residing in the Philippines or abroad who are existing
survivorship pensioners or claiming for survivorship benefit;

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

3. 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, 2010.22

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[1] shall be the following:

a. The legitimate spouse, until s/he re-marries, or co-habits/engages in common-law relationship;

2.1 and

b. 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[2].

The secondary beneficiaries shall only be entitled to survivorship benefits if there are no primary
beneficiaries[3].23

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Maximum Amount of Survivorship Pension

1. 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
salary of an Undersecretary, pursuant to the Salary Standardization Law and its amendments.
For example, if the salary of an Undersecretary is equal to Php63,380.00 and Basic Monthly
Pension (BMP) of the deceased member/pensioner is equal to Php70,000.00, the maximum
amount of survivorship pension is Php31,690.00 (50% of P63,380.00) for the surviving spouse,
not Php35,000.00 (50% of Php70,000.00).However, the existing survivorship pensioners
(surviving spouse) who are receiving more than the said limit shall not be subjected to this
policy.

2. The dependent children shall be entitled to dependent children’s pension for a maximum of five
(5) children, equivalent to 10% of the BMP for each child but not to exceed fifty percent (50%) of
the BMP, counted from the youngest and without substitution.24

Retroactive Application

For survivorship pensioners whose survivorship pensions were suspended as a result of the previous
policy, the amounts accruing for the period they were suspended shall be restored by GSIS, subject to
the maximum amount of survivorship pension provided under this policy.

On the other hand, for surviving spouse whose applications for survivorship benefits were denied as a
result of the previous policy, their applications may be submitted to GSIS, and if found to be qualified,
their benefits shall be granted and computed retroactively, subject to the maximum amount of
survivorship pension provided under this policy.

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.25

What are the disqualification / discontinuance to entitlement to Survivorship Pension of Dependent

Spouse and/or Children?

1. The payment of survivorship pension to the surviving spouse shall be discontinued when s/he
re-marries, cohabits/engages in common-law relationship.

2. In the case of the dependent children, survivorship pension shall be discontinued upon reaching
the age of majority.

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http://www.gsis.gov.ph/active-members/benefits/survivorship/
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http://www.gsis.gov.ph/active-members/benefits/survivorship/
 3. When the dependent spouse and dependent children are already receiving the basic
survivorship pension and dependent children’s pension, respectively, any subsequent death,
emancipation or disqualification of any one of them shall not result in the accrual of that portion
of benefits to the other beneficiaries.26

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 F. Home Shield Fire Insurance

What are the requirements in applying for a Home Shield Fire Insurance (HFSI)?

 Photocopy of Transfer of Certificate of Title (TCT) and/or tax declaration

In case of corporate properties, the qualified assured must own majority of the shares of the
corporation

 For dependents of GSIS members

Marriage Contract issued by the National Statistics Office (NSO)
Birth Certificate issued by NSO

 Inspection Report of authorized GSIS Officer

What are the types of properties covered under the HSFI?

 Residential, Condominium, Townhouse, or Apartment Unit

 Any commercial or business unit owned by a corporation where any of the qualified assureds
own majority share in the corporation

 Household/business furniture/fixtures/personal fittings/effects owned by qualified assureds

What are the location classification for properties to be insured?

 Zone 1 covers Metro Manila Area, Metro Cebu, Subic Bay Metropolitan Area, Clark
Development Corporation, all export processing zones and industrial parks

 Zone 2 covers all other locations

 G. Consolidated Loan
What is a consolidated loan?
The Consolidated loan (Conso-loan) combines five different loan products into one—Salary
Loan, Restructured Salary Loan, Enhanced Salary Loan, Emergency Loan Assistance, and
Summer One-Month Salary Loan. Members availing of a conso-loan for the first time receive a
one-time automatic condonation from the outstanding penalties or surcharges incurred from
these loans.

Credit Limits Under the Enhanced Conso-Loan Plus Program

Minimum Premium Payments Required Maximum Loan Amount (Basic Monthly
Salary)
25 years 14-month loan
15 years 12-month loan
10 years 10-month loan
5 years 7-month loan
40 months 4-month loan
20 months 3-month loan

Who are qualified to avail of the loan program?

 Qualified for the program are active GSIS members (permanent and nonpermanent)
 no pending administrative or criminal case
 not on leave of absence without pay
 net take-home pay of Php3,000 mandated under the General Appropriations Act.
 computed loanable amount of at least Php15,000

Special members such as prosecutors and members of the judiciary and constitutional
commissions are also qualified to avail of the loan equivalent to 10 times their basic salary.

How can members apply for the loan?

Apply through the GSIS Wireless Automated System (GWAPS) kiosks located in all 57 GSIS
branch and extension offices;
Upon confirmation of the agencies’ authorized officers, the loan proceeds are electronically
credited to members’ GSIS e-Card or unified multipurpose identification (UMID) card.

H. Loan Moratorium.
The GSIS upon its discretion and through a resolution can declare a Moratorium. This means that
loan payments can be deferred without interests nor penalties. The GSIS system will
automatically and electronically identify the covered and qualified GSIS members. No
application is necessary.

In the same vein, the resumption of loan payments and terms is also automatic without the need
of any notice from the GSIS.