Recognizing that pension is an earned right and not a privilege, the Board of Trustees restored the survivorship benefit of surviving spouses of members and pensioners even if they are gainfully employed and receiving other sources of income or pension.

Implemented in December 2010, the new basic survivorship pension (BSP) payable to the surviving spouse is equivalent to 50% of the basic monthly pension received by the deceased member or pensioner. However, the maximum limit for survivorship pension should not exceed Step 8 of the current salary of an undersecretary under the Salary Standardization Law.

The dependent's pension for the children of the deceased member is equivalent to 10% of the basic minimum pension payable until the age of majority. Payment of BSP to the dependent spouse shall be discontinued in case the latter remarries, cohabits or engages in a common-law relationship.

When members or pensioners die, their beneficiaries are entitled to cash and/or pension benefits, subject to the existing rules and regulations on survivorship and policies on the maximum amount of survivorship pension.

Coverage
  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.
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:
    2.1 The legitimate spouse, until s/he re-marries, or co-habits/engages in common-law relationship; and
    2.2 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]. 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[4] 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.
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.

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.
  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.
Documentary Requirements

1. 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


2. 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
  • If the legal guardian is not the natural parent, the affidavit should be supported by a Certification from the Barangay and DSWD


3. If Single
  • If with minor/incapacitated children, Affidavit of Guardianship
  • 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


4. 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.


5. 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


6. 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


Effectivity The above policies on survivorship benefits shall be implemented retroactively from the time the existing policies on eligibility requirements of a surviving spouse to survivorship benefits were adopted. [1] Sections 2 (f) and (g), Republic Act No. 8291 [2] Sections 2 (h) [3] Section 21 (c) [4] Step 8 is equivalent to P63,380.00.

Frequently Asked Questions on Survivorship Benefits