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1. When a member or pensioner dies who shall be entitled to the applicable survivorship benefits?


The primary beneficiaries shall be the following:

a) The legitimate spouse, until s/he re-marries, or co-habits/engages in common-law relationship; and

b)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.

The secondary beneficiaries shall be the dependent parents and, subject to the restrictions on

dependent children, the legitimate descendants

2. Henry a member of the Armed Forces

of the Philippines asked you if he is covered by Compulsory Life Insurance?

Answer: No. All employees except for Members of the Armed Forces of the Philippines (AFP) and the
Philippine National Police (PNP) shall be compulsorily covered with life insurance.

3. Differentiate life endowment policy over Enhanced life policy.

LEP provides maturity benefits to policy holders upon reaching the maturity of their policy while ELP
provides an automatic yearly insurance coverage to new members of GSIS based on their monthly
compensation. ELP is designed to provide an enhanced death benefit for the family of the deceased

4. .When will a surviving legal spouse or dependent children be disqualified from receiving the
survivorship pension?
The payment of survivorship pension to the surviving dependent spouse shall be discontinued when
he/she re-marries or cohabits/engages in common-law relationship.

On the other hand, the dependent children shall be disqualified from receiving the survivorship pension
once he/she reaches the age of majority.

5. When does GSIS coverage takes effect?


Upon the employee’s assumption to duty pursuant to a valid appointment or election and oath of

6. Are elective officials still covered by GSIS after their term of office expires?


–Compulsory coverage shall cease upon expiration of term. But They have the option to continue with
life insurance so long as they will pay both the employee and employer shares.

7. Who are not covered by GSIS?

Employees who have separate retirement schemes under special laws and are therefore covered by
their respective retirement laws, such as the members of the Judiciary, Constitutional Commissions, and
other similarly situated government officials;

Uniformed members of AFP & PNP including BJMP;

Those who are not receiving basic pay or salary

Contractuals who have no employer and employee relationship with the agencies they serve.

8. Who can avail retirement pay under RA 8291?

At least 15 years of service and must be at least 60 years old upon retirement
Must not be a permanent total disability pensioner.

9. Will the monthly pension also decrease if the retirement age is lowered?

Yes, because their years of service would be fewer and their monthly salary lower. Both could
have been be higher had members stayed on for four more years. If members retire at an earlier
age, the corresponding pension computed from their present salary will also decrease.

A 40-year-old employee of the Department of Education with 11 years of government service
has a monthly salary of Php22,810.61.

If such employee completes 15 years of service or more, and opts to retire at age 56, his or her
monthly pension is estimated to reach only Php22,018.48. This is lower by about Php5,301.21 or
19.40% lower than a monthly pension of Php27,319.69 that he or she could have received at a
retirement age of 60.

10. What is the retirement age of government employees?

At present, the optional retirement age is 60 and the compulsory retirement age is 65.