Beruflich Dokumente
Kultur Dokumente
275-14
I. BACKGROUND/RATIONALE:
Over the past years, the GSIS instituted programs, monitoring systems and
procedural control points to minimize, if not eradicate, the unauthorized and
unqualified receipt of pension by GSIS pensioners which, if left unchecked,
will result in the accumulation of losses and manpower costs for the System.
While we are primarily mandated by law to look after the needs of the nation’s
public servants after they retire from their careers in government and can no
longer earn for themselves or their families, we are likewise obligated by the
law to protect their interests by preserving the solvency and sustainability of
the pension fund – which – in essence, is for the benefit of both the present
and future pensioners.
In line with the GSIS vision and mission to continuously improve services to
pensioners while ensuring the financial solvency of the pension fund, existing
policies on pension administration must be updated and integrated to define
the appropriate actions and responsibilities of the operating units to ensure
the timely and correct payment of pension.
Lastly, with systems in place at tracking the status of GSIS pensioners, the
GSIS is now able to identify those who continue to unlawfully receive
pensions from the GSIS due to unreported cases of death, re-marriage or
emancipation (i.e. minor dependent has reached the age of majority).
Consequently, the monthly pensions credited to these accounts are
considered overpayments and due for collection by the GSIS. This PPG
likewise defines the collection mechanism that will facilitate the recovery of
pension overpayments.
The Legal Services Group, in their opinions dated 08 April 2014 and 27
August 2014, urged the review and amendment of the policy pertaining to the
recovery of pension overpayment, stating that the deceased pensioner and
his or her surviving spouse have separate and distinct legal personalities with
respect to employment and the respective benefits arising thereon. Thus,
compensation1 or set-off cannot take place. Compensation shall take place
only when two (2) persons, in their own right, are creditors and debtors of
each other.2
Guided by the LSG opinions, the Operations Groups reviewed the existing
policies on the recovery of pension overpayments (and outstanding
receivables) of deceased pensioners. The Operations Groups, in particular,
recognized that there is a need to limit the scope of recovery of pension
overpayments to the survivorship benefit (of the surviving spouse) and, if
insufficient, a claim shall be made against the estate of the deceased
pensioner.
This is consistent with the pertinent provisions of the Civil Code of the
Philippines, and would ensure that the surviving spouse, if he or she also
happens to be a GSIS member who is a distinct and separate contributor to
the social insurance fund, will enjoy the benefits that are rightfully his or hers.
II. OBJECTIVES
1
Article 1231, par. 5, Civil Code of the Philippines
2
Article 1278, Civil Code of the Philippines
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A. To ensure that there is a uniform interpretation, understanding and
implementation of the policies on pension administration; and,
III. POLICIES
A. Coverage
This PPG covers all existing and future old-age, survivorship and/or
disability pensioners under RA 660, PD 1146, RA 8291, or RA 7699,
residing in the Philippines or abroad.
3
Adopted from the 2010 Manual of Operations of the Membership Group and
2011 Functional Charts of the Operations Groups
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certification from Department of Social Welfare and
Development (DSWD) or Barangay Certificate4.
b.1 Due and Demandable (DnD) loan accounts (e.g. PPD Osteo,
Fly PAL, Pay Later)
b.2 Active service loans (e.g. Consoloan, Policy Loan-Regular or
Optional)
e. The Claims Unit shall notify the pensioner in writing of his or her
outstanding loan obligations and other receivables, and that the
same shall be deducted from his or her pension benefit until fully
paid.
4
Adopted from Section III (F), items 1.b to 1.c of PPG No. 207-11 on the
Survivorship Benefits approved on February 16, 2011
5
Adopted from Section III (C) of PPG No. 209-11 on the Choice of Loan
Amortization Schedule for Pensioners (CLASP) approved on May 18, 2011
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a. The pension benefit of members who retired from government
service and opted for immediate pension shall commence right
after the date of separation from the service but the payment
thereof shall be given after the retirement records have been
verified as processed and recorded in the SAP by the Claims
Unit, Frontline Services Division.
d.1 Passport;
d.2 Senior Citizen’s card;
d.3 Pag-IBIG card;
d.4 Social Security System (SSS) ID; or
d.5 Comelec or Voter’s ID
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Adopted from Office Order No. 174-12 dated December 6, 2012 on the ID
Requirements for One-Time Payment of Funeral Benefits
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e. If the retiree cannot travel to the nearest GSIS Office because of
his/her physical or medical condition (e.g. bedridden or is
suffering from dreadful illness, which renders him/her immobile),
he/she shall request, in writing, for pension commencement and
enrollment in the GSIS eCard through home visit.
c.1 Passport;
c.2 Senior Citizen’s card;
c.3 Pag-IBIG card;
c.4 Social Security System (SSS) ID; or
c.5 Comelec or Voter’s ID
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Revised Survivorship Benefits as approved under Board Resolution No. 188
dated August 13, 2003
8
Adopted from Office Order No. 174-12 dated December 6, 2012 on the ID
Requirements for One-Time Payment of Funeral Benefits
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9. For the guardian of dependent child/ren qualified to receive dependent
child/ren pension benefit:
9
Adopted from Section 1.19 of the Revised Implementing Guidelines of Republic
Act No. 8291 approved on June 24, 2010
10
Adopted from Section (F) of PPG No. 207-11 on Survivorship Benefits
approved on February 16, 2011
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a. Increase in the amount of pension, on the basis of the percentage
increase of pension as approved by the Board;
1. The updating of guardian’s record shall be required in case of, but not
limited to, the following:
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c. Change in address, as requested by the Operating Unit / Branch
Office.
2. All pensioners who applied for and were issued an eCard and a bank
account number up to the last working day of the current month,
whether initial issuance of GSIS eCard / UMID eCard or its
replacement, shall be included in the regular run of monthly pension
beginning the following month12.
5. The Claims Unit shall notify the pensioner in writing of his or her
outstanding loan obligations and other receivables and that the same
shall be deducted from the pension benefit already being received,
until fully paid.
11
Section (A) Item 18.1 under Office Order No. 24-09: ILMAAAMS and ROPOA
Policies and Implementing Guidelines dated October 22, 2008
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Section (A) 18.2 under Office Order No. 24-09: ILMAAAMS and ROPOA
Policies and Implementing Guidelines dated October 22, 2008
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a. Late commencement of pension (due to late request made by the
retiree-pensioner), in the case of old-age or survivorship pensioner;
Pension adjustment refers to the amount due the pensioner that arises
from the following:
H. Home Visit
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Adopted policies on the entitlement of pensioners to pension increases as
approved under Board Resolution No. 229 dated December 8, 2009.
10
b. Old-age, survivorship or disability pensioners included in the NSO
list of Deceased Pensioners that are without death or funeral
benefit claim filed with the GSIS, for validation of their status; and,
4. In case the pensioner still cannot be located during the third visit, or
was located but the visiting GSIS personnel was still refused entry, the
pensioner shall be tagged as “Suspended”.
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Board Resolution No. 107 dated June 28, 2012 on the Amendment to
Resolution No. 71 with respect to the Automatic Suspension of Pension Benefits
for Overpayment due to Erroneous Computation
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e. When the pensioner, as a result of mandatory home visit, was
found to have moved out from his/her given address and has not
left any forwarding address, or cannot be located in the given
address, or any other reason where his/her location or status
cannot be ascertained after three (3) home visits have been
conducted.
4. The Claims Unit, Frontline Services Division shall inform the pensioner,
in writing, of the suspension of pension benefit and the reason/s
thereof, including the applicable mechanisms in case of appeal of the
suspension of pension benefit.
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5. The suspension of pension benefit may be appealed through personal
appearance at the GSIS Branch Office for validation of identity of the
pensioner and re-activation of “Active” status in the GSIS Wireless
Automated Processing System (GWAPS).
J. Renewal of Active Status of Pensioner (in line with the “No ARAS”
Policy)15
1. The annual renewal of active status (ARAS) for local pensioners was
discontinued beginning May 2011. Hence, starting May 1, 2011,
pensioners whose birth months are from May to December are no
longer required to report to the GSIS Office for ARAS.
15
Office Order No. 78-11 dated April 25, 2011 re Policy on the Implementation of
the Non Annual Renewal of Active Status
16
Section 20.13.3 of the Revised Implementing Guidelines of Republic Act No.
8291 approved last June 24, 2010
13
c. Non-entitlement to pension increases if status is suspended at the
time of declaration.
K. Pension Overpayment
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a. Survivorship benefit;
2. The surviving spouse and/or the legal heirs are not precluded from
voluntarily entering into an arrangement with the GSIS for the
settlement of the deceased pensioner’s outstanding liabilities. For this
purpose, a notarized Affidavit of Undertaking in favor of the GSIS or, in
case the surviving spouse and/or legal heir or both is/are GSIS
member/s, Authority to Deduct (from their GSIS benefit the amount of
outstanding liabilities) shall be submitted by the surviving spouse
and/or the legal heirs, for approval by the Senior Vice President,
Operations Group.
15
a Survivorship Pensioner 2. Estate of the Deceased
(SP) at the same time Pensioner
Mode of Collection
Type of Pensioner
(of pension overpayment)
Survivorship Pensioner Only Sending of collection letter for the
100% recovery of pension
overpayment
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Mode of Collection
Type of Pensioner
(of pension overpayment)
majority) spouse, until fully paid.
a. The amount of pension overpayment, the reason for such, and that
the same shall be recovered following the order of priority
enumerated under Item No. 4 of this Section.
7. The sending of collection letters for the recovery of the full amount of
pension overpayment shall be undertaken in case of non-payment, as
follows:
a. The collection letter shall be prepared and sent by the Claims Unit
of the Central or Branch Office thirty (30) days after receipt of the
letter notification by the legal heirs / remarried survivorship
pensioner.
b. The first and final demand letter shall be prepared and sent by the
Legal Services Group within thirty (30) days from receipt of the
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preceding collection letters by the legal heirs / remarried
survivorship pensioner.
8. After applying all benefits due from GSIS and exhausting all collection
remedies, any remaining overpayment shall be reported by the LSG to
the Controller Group for the setting up of Allowance for Doubtful
Accounts, subject to the policies on the matter. However, if the
remaining overpayment is equal to or below the threshold of
P10,000.00, the same shall no longer be referred to the Legal Services
Group (LSG) for litigation and instead shall be referred to the Controller
Group for the setting up of allowance for doubtful account.
10. The deduction of overpayment shall continue until such time that the
overpayments are fully recovered.
2. After the bank has credited back the required amount, whether in part
or in whole, the reverted amount shall be used to clear the open
item/debit pertaining to the overpayment. In case the amount credited
17
Adopted from the procedures on the Crediting Back of Excess Payments from
the 2010 Manual of Operations – Treasury Office
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back to GSIS is less than the amount to be recovered, the restriction
shall be lifted provided that the remaining balance in the eCard
account has been exhausted. The unrecovered amount shall be
deducted from the benefits due the surviving spouse, if any, following
this order of priority:
c. Outstanding balance from the existing pension loan (if availed prior
to the inception of the Revised Pension Loan Program)
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and approved by the concerned Senior Vice President (SVP) or Vice
President (VP), Operations Group.
Activity Responsible
1. Check completeness of the filled-up Frontline Services Unit
Member’s Request Form (MRF) for (CO/BO)
pension commencement from the
retiree, survivorship pensioner or
guardian of dependent pensioner.
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Activity Responsible
4. Pre-process request for Claims Unit
commencement of pension, as follows: (CO/BO)
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Activity Responsible
End of Process
Activity Responsible
1. Prepare Certified Instruction to Update Claims Unit
Record (CIUR) and endorse to (CO/BO)
Membership Department through TMS.
2. Check completeness of CIUR Membership Department
(NCR, Luzon, VisMin)
End of Process
Activity Responsible
1. Advise the Claims Unit of any pension Membership Department
accrual due for payment to the old-age (NCR, Luzon, VisMin)
or survivorship pensioner.
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Activity Responsible
accrued pension is disapproved and
the pensioner is duly informed of
the cause of said disapproval.
End of Process
Activity Responsible
1. Receive the letter or request of Claims Unit
pensioners for adjustment in pension (CO/BO)
benefit from the Frontline Services
Division, Members’ Assistance Counter
(MAC) or through email.
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Activity Responsible
3. Update BMP of pensioner and inform Membership Department
the Claims Unit of adjustment. (NCR, Luzon, VisMin)
End of Process
Activity Responsible
1. Inform the Claims Unit of pension Membership Department
overpayment for collection. (NCR, Luzon, VisMin)
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Activity Responsible
b. Survivorship Benefit;
c. Funeral benefit (only if the surviving
spouse is not qualified to
survivorship pension or there is no
surviving spouse); and
d. Estate of the deceased pensioner
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Activity Responsible
pensioner.
End of Process
Activity Responsible
1. Receive request for the lifting of Membership Department
suspension of pension benefit, as (NCR, Luzon, VisMin)
approved by the Department/Branch
Manager or Vice President, Operations
Group, through TMS.
End of Process
Activity Responsible
1. Receive request for the deletion of Membership Department
pension record, as approved by the (NCR, Luzon, VisMin)
SVP or VP, Operations Group, through
TMS.
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Activity Responsible
2. Delete pension record. Office I or
Manager (as alternate),
Membership Department
(NCR, Luzon, VisMin)
3. Inform the requesting Unit / Branch Membership Department
Office of the action taken, through (NCR, Luzon, VisMin)
TMS.
End of Process
ORIGINAL SIGNED
ROBERT G. VERGARA
President and General Manager
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