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Disability

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.

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

Eligibilities.  Members  who become permanently and totally disabled are entitled to PTD benefits 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;
  • 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

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).
  1. 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

Eligibilities. 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

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).
  1. 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.

Eligibilities. 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.

Benefit.

  • 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.