Disablity Benefits

Home Ginhawa for All Disablity Benefits

Disability refers to any loss or impairment of the normal functions of physical or mental faculties, which permanently or temporarily prevents a member to continue to work or engage in any other gainful occupation, resulting in loss of income or diminished earning capacity.

After receiving the application for disability benefit, GSIS will determine the nature of the disability and corresponding benefit based on the duration of the incapacity to work and actual loss of income. Established medical standards will also serve as basis in the evaluation.

Actual loss of income refers to the number of days when the member went on leave of absence without pay (LWOP), which is reckoned immediately from the date of disability and the period of entitlement based on medical evaluation.

Since this benefit has a prescriptive period under RA 8291, the claim must be filed within four years from the date of disability.

Types of Disability Benefit:

(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

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).

(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

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)

(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.

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

  • 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.
Availment:

  1. All active government employees who sustained illness/organ loss or injury considered as non- work-related (for TTD and PPD if with Leave of Absence Without Pay (LWOP) incurred after the duration of entitlement to the benefit.
    • In the service at the time of disability;
    • Paid a total of at least 180 months contributions prior to the disability.
  2. If separated from the service, have paid at least 36 months contributions within the five year period immediately preceding the disability;

Requirements for Application

*Application Form

  1. Duly filled up Report of Injury/Sickness (1 copy, original)
  2. Duly accomplished Form for Income Benefit Claim for Payment, Parts I and II; (1 copy, original)*
  3. Duly accomplished Form for Hospitalization Claim for Payment, Parts I, II and III (1 copy, original)*

*** Other documents may be required by the Medical / Legal Evaluator.

Contactless Methods of Filing

  1. Drop Box located at the lobbies of GSIS offices
  2. Postal mail or courier
  3. Email through Agency Authorized Officers (AAO) or Liaison Officers (LO) to be sent to the designated email address of GSIS Handling Branch/Department
  4. Email using the claimant’s personal email address to be sent to the designated email address of GSIS handling Branch/Departments. The preferred email address of the claimant to be used in sending the documents is the one contained in his or her GSIS records.

Application Procedure

Via Email through AAOs or LOs

  1. Prepare the following:
    1. Fill out the Claim Application Form*
    2. Duly filled up Report of Injury/Sickness (1 copy, original)
    3. Duly accomplished Form for Income Benefit Claim for Payment, Parts I and II; (1 copy, original)*
    4. Duly accomplished Form for Hospitalization Claim for Payment, Parts I, II and III (1 copy, original)*
    5. Email attachments must be in a readable format with file size not exceeding 4MB. If the size exceeds the limit, submission may be made through multiple emails.
    6. clear photo of the claimant holding the duly accomplished application form and his/her UMID card (or two valid IDs in the absence of a UMID card) must be submitted.
  2. Save the Application Form and photos as JPEG or PDF File
  3. Email the documents to your GSIS handling branch (link list here)
    Subject or title must follow this format: GSIS_TYPE OF CLAIM_BP NO_LAST NAME_FIRST NAME_AGENCY NAME
    Example: “GSIS _DISABILITY CLA IM_2000123456_DELA CRUZ_JUAN-CGO CDO”
  4. Await confirmation email from GSIS for tentative loan computation

Via Dropbox

  1. Fill out the Application Form*
  2. Print the Application Form and photocopy your UMID Card.
  3. Secure the documents in a brown envelope and properly label it with the following information:

    NAME
    TYPE OF LOAN
    GSIS HANDLING BRANCH
  4. Drop off the envelope in the GSIS Handling Branch’s DROP BOX
  5. Await confirmation email from GSIS.

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