Employees’ Compensation Insurance Fund
The Employees Compensation Insurance Fund (ECIF), also known as the “State Insurance Fund”, was created under PD No. 626. It was established to carry out the State’s policy to promote and develop a tax-exempt employees compensation program in which employees and their dependents, in the event of work related disability or death, may promptly secure adequate income, medical and other related benefits. The GSIS administers the ECIF .
As a purely employer-based contribution benefit, the employee does not contribute any amount to the program.
On May 31, 2013, the Employees’ Compensation benefits were increased following the issuance by the President of Executive Orders 134 and 135 last April:
- Pursuant to EO 134, each EC and EC Permanent Total Disability pensioner is now granted a Carer’s Allowance of Five Hundred Seventy Five Pesos (₱575.00).
- The Temporary Total Disability Benefits granted for employees in the public sector increased from Ninety Pesos (Php90.00) to Two Hundred Pesos (Php200.00) per day.
- Funeral Benefit granted to employees in the public sector increased from Three Thousand Pesos (Php3,000.00) to Ten Thousand Pesos (Php10,000.00).;
Also, Doctors’ Professional Fee for the first visit increased from Php60.00 to Php100.00 for the General Practitioner, and from Php80.00 to Php150.00 for the Specialist. For succeeding visits, the Professional Fee increased from Php60.00 to Php80.00 for the General Practitioner, and from Php50.00 to Php100.00 for the Specialist.
Benefits under EC
- Medical services, appliances and supplies
- Rehabilitation services
- Temporary total disability benefit
- Permanent total disability benefit
- Permanent partial disability benefit
- Death benefit
- Funeral Benefit
Beneficiaries ( In case of death )
1.1 Legitimate spouse until he or she remarries
1.2 Dependent children (legitimate, legitimated or adopted, and illegitimate):
- Below 18 years old, unmarried, not gainfully employed; or
- More than 18 years old but incapacitated and incapable of self-support due to mental or physical defect acquired prior to age of majority.
2.1 Dependent parents
2.2 Legitimate descendants
Form of EC Benefits
- Daily cash income benefit for temporary total disability (TTD)
- Monthly cash income benefit for permanent total disability (PTD) on a lifetime basis
- Monthly cash income benefit for permanent partial disability (PPD)
- Monthly cash income benefit for death, also on a lifetime basis, except for benefit paid to secondary beneficiaries, which is a monthly pension not to exceed 60 months but not less than fifteen thousand pesos
- Medical services, appliances and supplies for injury or sickness
- Rehabilitation services for permanent disability
- Carer’s allowance for permanent disability
- Funeral benefit of P3,000 to be paid upon the death of a covered employee or permanently totally disabled pensioner to one of the following:
- A surviving spouse;
- The legitimate child who spent for the funeral services; or
- Any other person who can show unquestionable proof or proof of his having borne the funeral expenses (ECC Resolution No. 3682, July 21, 1987.
Conditions for Compensation
- Injury must be the result of accident arising out of and in the course of employment
- Sickness must be listed /considered an “occupational disease”; or even if not listed as one, it must be shown that the risk of contracting the sickness is increased by the working conditions
- Disability/Death is caused by work-connected injury or sickness
Exceptions to Compensability or injury, sickness, disability or death
- Intoxication or drunkenness
- Willful intention to injure or kill himself or another
- Notorious negligence
- Not work-related
List of Occupational Diseases (under PD 626)
- Papilloma of the bladder
- Cancer, epithellomatous or ulceration of the skin or of the
corneal surface of the eye
- Decompression sickness
- Caisson disease
- Dermatitis due to irritants and sensitizers
- Infections: Anthrax, Brucellosis, Glanders, Rabies, Tuberculosis, Tularemia, Weill’s disease, Q Fever or equine encephalomyelitis, Mite dermatitis
- Ionizing radiation disease, inflammation, ulceration or malignant disease of the skin or subcutaneous tissues of the bones or leukemia or anemia of the aplastic type due to X-rays, ionizing particles, radium or other radioactive substances Acute radiation syndrome: Chronic radiation syndrome and Glass blower’s cataract.
- Diseases caused by abnormalities in temperature and humidity
- Vascular disturbance in the upper extremities due to continuous vibration from pneumatic tools or power drills, riveting machines or hammers
- Viral hepatitis
- Poisoning by cadmium
- Leukemia and lymphoma
- Cancer of the stomach and other lymphatic and blood forming vessels, nasal cavities and sinuses
- Cancer of the lungs, liver and brain
- Cardio-vascular diseases
- Cerebro-vascular accidents
- Malaria and schistosomiasis
No claim for compensation shall be given due course unless said claim is filed with the GSIS within 3 years from the time the cause of action accrued. (ECC Resolution No. 2799, July 25, 1984)