GSIS membership is compulsory for all government employees in the Philippines. This includes:

• National government employees — All workers in national government agencies, departments, and bureaus (e.g., DepEd teachers, DOH nurses, DSWD social workers)
• Local government unit (LGU) employees — City hall, municipal, provincial, and barangay employees with regular or permanent appointments
• Government-owned and controlled corporations (GOCCs) — Employees of agencies like PAGCOR, PCSO, NFA, PhilPost, and similar GOCCs that participate in GSIS
• Constitutional commissions — COMELEC, COA, CSC, and other constitutional bodies
• State universities and colleges (SUCs) — Faculty and staff of UP, PUP, PLM, and other state schools
• Armed Forces of the Philippines (AFP) — Military personnel (though they have additional benefits under the AFP Retirement and Separation Benefits System)
• Philippine National Police (PNP) — Police officers and civilian staff

Exceptions: The following are generally not covered by GSIS:

• Contractual and job order workers — Unless their contract specifically includes GSIS coverage (most don't). Job order workers sa government are typically treated as non-government for GSIS purposes
• Barangay officials without regular appointments — Elected barangay officials who serve part-time may have limited GSIS coverage
• Employees of GOCCs with their own retirement plans — Some GOCCs like BSP have separate retirement systems

Important: If you're a government employee but unsure about your GSIS membership status, check with your agency's HR department. They can confirm whether your appointment qualifies for GSIS coverage and verify your GSIS BP (Billing and Premiums) number.

Ang GSIS membership ay compulsory para sa lahat ng government employees sa Pilipinas. Kabilang dito ang:

• National government employees — Lahat ng manggagawa sa national government agencies, departments, at bureaus (hal., DepEd teachers, DOH nurses, DSWD social workers)
• Local government unit (LGU) employees — Mga empleyado sa city hall, munisipyo, probinsya, at barangay na may regular o permanent na appointment
• Government-owned and controlled corporations (GOCCs) — Mga empleyado ng mga ahensya tulad ng PAGCOR, PCSO, NFA, PhilPost, at katulad na GOCCs na kasali sa GSIS
• Constitutional commissions — COMELEC, COA, CSC, at iba pang constitutional bodies
• State universities and colleges (SUCs) — Faculty at staff ng UP, PUP, PLM, at iba pang state schools
• Armed Forces of the Philippines (AFP) — Mga militar (bagamat may additional benefits sila sa ilalim ng AFP Retirement and Separation Benefits System)
• Philippine National Police (PNP) — Mga pulis at civilian staff

Mga exceptions: Ang mga sumusunod ay karaniwang hindi sakop ng GSIS:

• Contractual at job order workers — Maliban kung espesipikong kasama sa kontrata nila ang GSIS coverage (karamihan ay wala). Ang mga job order workers sa government ay karaniwang itinuturing na non-government para sa GSIS purposes
• Mga barangay official na walang regular appointment — Ang mga nahalal na barangay officials na part-time lang ay maaaring may limitadong GSIS coverage
• Mga empleyado ng GOCCs na may sariling retirement plan — Ang ilang GOCCs tulad ng BSP ay may hiwalay na retirement systems

Mahalaga: Kung government employee ka pero hindi ka sigurado sa GSIS membership status mo, i-check sa HR department ng ahensya mo. Maari nilang i-confirm kung ang appointment mo ay qualify para sa GSIS coverage at i-verify ang GSIS BP (Billing and Premiums) number mo.

Many Filipinos get confused between GSIS and SSS. Here's a clear breakdown ng pagkakaiba nila:

Can you be a member of both? Yes! If you previously worked in the private sector (SSS member) and then moved to a government position, your SSS membership remains — it just becomes inactive while you're under GSIS. Pwede mong i-continue ang SSS as voluntary member kung gusto mo, but it's not required. Your SSS contributions remain credited and will count toward your SSS benefits when you eventually claim them.

Maraming Pilipino ang nalilito sa pagkakaiba ng GSIS at SSS. Narito ang malinaw na breakdown ng pagkakaiba nila:

Pwede ka bang maging member ng pareho? Oo! Kung dati kang nagtatrabaho sa private sector (SSS member) at lumipat sa government position, nananatili ang SSS membership mo — inactive lang ito habang nasa GSIS ka. Pwede mong i-continue ang SSS bilang voluntary member kung gusto mo, pero hindi required. Ang mga SSS contributions mo ay nananatiling credited at mabibilang sa SSS benefits mo kapag nag-claim ka na eventually.

The eGSIS Member Online (eGSISMO) portal at egsismo.gsis.gov.ph is your one-stop digital hub for managing all GSIS services. From checking your service records to filing loan applications, halos lahat ng kailangan mo ay available online na — no more long lines sa GSIS branch.

How to Register for eGSIS

1. Go to egsismo.gsis.gov.ph and click "Sign Up"
2. Enter your GSIS BP number — this is the number assigned to you when your agency enrolled you. If you don't know it, ask your HR department or check your payslip where GSIS deductions are listed
3. Fill in your personal details: full name, date of birth, email address, and mobile number. Make sure these match your GSIS records exactly
4. Create a username and password. Use a strong password — at least 8 characters with a mix of uppercase, lowercase, numbers, and symbols
5. Verify your account via the OTP sent to your mobile number and the confirmation link sent to your email
6. Once verified, log in and complete your profile. You may need to update your photo and digital signature

What You Can Do on eGSIS

• Check service records — View your complete government service history, years of service credited, and membership status
• View premium contributions — See how much your agency has been paying for your GSIS premiums each month
• Apply for loans online — Salary loan, policy loan, emergency loan, and other loan products. Approve and process without visiting a branch
• File benefit claims — Submit retirement, separation, disability, and survivorship benefit applications
• Check loan balances — Monitor your outstanding loans, remaining balance, and payment schedule
• Update personal information — Change address, contact number, email, and designated beneficiaries
• Download documents — Get your GSIS service record, loan statements, and benefit computation
• Use the GSIS calculator — Estimate your retirement benefit, loan eligibility, and premium amounts

Troubleshooting: If you can't register because your records don't match, visit your nearest GSIS branch with a valid ID to update your information first. Common issues include name discrepancies (especially for married women who changed their surname) and incorrect birthdates. Ang HR department ng agency mo ang pwedeng tumulong mag-coordinate with GSIS to fix these records.

Ang eGSIS Member Online (eGSISMO) portal sa egsismo.gsis.gov.ph ang one-stop digital hub mo para sa pamamahala ng lahat ng GSIS services. Mula sa pag-check ng service records mo hanggang sa pag-file ng loan applications, halos lahat ng kailangan mo ay available online na — no more long lines sa GSIS branch.

Paano Mag-register sa eGSIS

1. Pumunta sa egsismo.gsis.gov.ph at i-click ang "Sign Up"
2. Ilagay ang iyong GSIS BP number — ito ang numerong na-assign sa iyo noong in-enroll ka ng ahensya mo. Kung hindi mo alam, itanong sa HR department mo o i-check ang payslip mo kung saan nakalista ang GSIS deductions
3. Sagutan ang iyong personal details: buong pangalan, petsa ng kapanganakan, email address, at mobile number. Siguraduhing eksaktong tugma ito sa GSIS records mo
4. Gumawa ng username at password. Gumamit ng strong password — kahit 8 characters na may halong uppercase, lowercase, numero, at symbols
5. I-verify ang account mo sa pamamagitan ng OTP na ipapadala sa mobile number mo at confirmation link na ipapadala sa email mo
6. Kapag na-verify na, mag-log in at kumpletuhin ang profile mo. Maaaring kailanganin mong i-update ang photo at digital signature mo

Ano ang Magagawa Mo sa eGSIS

• I-check ang service records — Tingnan ang kumpletong government service history mo, mga taon ng serbisyong na-credit, at membership status
• Tingnan ang premium contributions — Makita kung magkano ang binabayaran ng ahensya mo para sa GSIS premiums mo bawat buwan
• Mag-apply ng loans online — Salary loan, policy loan, emergency loan, at iba pang loan products. Approve at process nang hindi pumupunta sa branch
• Mag-file ng benefit claims — Isumite ang retirement, separation, disability, at survivorship benefit applications
• I-check ang loan balances — I-monitor ang outstanding loans mo, natitirang balanse, at schedule ng bayad
• I-update ang personal information — Palitan ang address, contact number, email, at mga itinalagang beneficiaries
• Mag-download ng documents — Kunin ang GSIS service record mo, loan statements, at benefit computation
• Gamitin ang GSIS calculator — I-estimate ang retirement benefit mo, loan eligibility, at halaga ng premium

Troubleshooting: Kung hindi ka makapag-register dahil hindi tugma ang records mo, bumisita sa pinakamalapit na GSIS branch na may dalang valid ID para i-update muna ang impormasyon mo. Ang mga karaniwang isyu ay name discrepancies (lalo na sa mga babaeng nagpalit ng apelyido dahil sa kasal) at maling petsa ng kapanganakan. Ang HR department ng ahensya mo ang pwedeng tumulong mag-coordinate sa GSIS para ayusin ang mga records na ito.

The GSIS Salary Loan is one of the most popular benefits for government employees — and for good reason. It offers lower interest rates than most banks and lending apps, making it the go-to source of emergency or planned financing para sa mga kawani ng gobyerno.

Loan Details

• Loanable amount: Up to 3 times your monthly basic salary, depending on your net take-home pay and existing loan obligations
• Interest rate: 6% simple interest per annum — significantly lower than SSS (10%) and commercial banks (12-24%)
• Repayment period: 24 months (2 years), deducted directly from your monthly salary
• Service fee: A one-time service fee is deducted from the loan proceeds

Requirements for GSIS Salary Loan

• Must be an active GSIS member (currently employed in government)
• Must have at least 1 year of continuous service at your current agency
• Must have no outstanding overdue GSIS loan (or your previous loan must be at least 50% paid)
• Your net take-home pay after loan deduction must be at least ₱5,000 or 50% of your basic monthly salary, whichever is higher
• Agency must be updated on GSIS premium remittances (this is your employer's responsibility, not yours)

How to Apply (Step-by-Step)

1. Log in to eGSISMO at egsismo.gsis.gov.ph
2. Go to "Loans" section and select "Salary Loan"
3. The system will show your maximum loanable amount based on your salary and existing obligations. Choose the amount you want to borrow
4. Review the loan computation — check the interest charges, service fee, and net proceeds. The system shows exactly how much you'll receive and how much will be deducted from your salary monthly
5. Click "Submit Application". Your application goes to your agency's authorized GSIS liaison officer for endorsement
6. Wait for agency endorsement — your HR or admin office verifies that you meet the eligibility requirements and endorses your application
7. Once endorsed, GSIS processes the loan. Proceeds are credited to your GSIS UMID eCard or designated bank account within 3-5 working days

Example computation: If your monthly basic salary is ₱25,000, your maximum loan amount is approximately ₱75,000 (3x salary). At 6% annual interest over 24 months, your monthly amortization would be around ₱3,437. After deducting the service fee, your net loan proceeds would be approximately ₱70,500.

Ang GSIS Salary Loan ay isa sa pinakapopular na benepisyo para sa mga government employees — at may magandang dahilan. Nag-aalok ito ng mas mababang interest rates kaysa sa karamihan ng mga bangko at lending apps, kaya ito ang go-to source ng emergency o planned financing para sa mga kawani ng gobyerno.

Mga Detalye ng Loan

• Halagang pwedeng utangin: Hanggang 3 beses ng buwanang basic salary mo, depende sa net take-home pay mo at mga existing loan obligations
• Interest rate: 6% simple interest kada taon — mas mababa kaysa sa SSS (10%) at mga commercial banks (12-24%)
• Palugit sa pagbabayad: 24 buwan (2 taon), direktang kaltas sa buwanang sahod mo
• Service fee: Isang one-time na service fee ang kakaltas sa loan proceeds

Mga Kailangan para sa GSIS Salary Loan

• Dapat ay active GSIS member ka (kasalukuyang empleyado sa gobyerno)
• Dapat may kahit 1 taon na tuloy-tuloy na serbisyo sa kasalukuyan mong ahensya
• Dapat walang outstanding na overdue GSIS loan (o ang dating loan mo ay kahit 50% na ang nabayaran)
• Ang net take-home pay mo pagkatapos ng loan deduction ay dapat kahit ₱5,000 o 50% ng basic monthly salary mo, alinman ang mas mataas
• Ang ahensya ay dapat updated sa GSIS premium remittances (responsibilidad ito ng employer mo, hindi sa iyo)

Paano Mag-apply (Hakbang-Hakbang)

1. Mag-log in sa eGSISMO sa egsismo.gsis.gov.ph
2. Pumunta sa "Loans" section at piliin ang "Salary Loan"
3. Ipapakita ng system ang iyong maximum loanable amount batay sa sahod mo at mga existing obligations. Piliin ang halaga na gusto mong utangin
4. I-review ang loan computation — i-check ang interest charges, service fee, at net proceeds. Ipapakita ng system kung eksaktong magkano ang matatanggap mo at magkano ang kakaltas sa sahod mo bawat buwan
5. I-click ang "Submit Application". Mapupunta ang application mo sa authorized GSIS liaison officer ng ahensya mo para sa endorsement
6. Hintayin ang agency endorsement — ive-verify ng HR o admin office mo na natutugunan mo ang eligibility requirements at ie-endorse ang application mo
7. Kapag na-endorse na, ipoproseso ng GSIS ang loan. Ang proceeds ay iki-credit sa GSIS UMID eCard o designated bank account mo sa loob ng 3-5 working days

Halimbawang computation: Kung ang buwanang basic salary mo ay ₱25,000, ang maximum loan amount mo ay humigit-kumulang ₱75,000 (3x salary). Sa 6% annual interest sa loob ng 24 buwan, ang buwanang amortization mo ay magiging humigit-kumulang ₱3,437. Pagkatapos kaltas ng service fee, ang net loan proceeds mo ay humigit-kumulang ₱70,500.

Policy Loan (Pautang sa Polisiya)

The GSIS Policy Loan lets you borrow against your life insurance policy. Since every government employee has compulsory life insurance through GSIS, you can use the policy's accumulated value as collateral for a loan.

• Loanable amount: Up to 90% of the cash surrender value of your life insurance policy
• Interest rate: 8% compounding per annum
• Repayment: Flexible — you can pay anytime, but unpaid balances and interest are deducted from your benefit claims upon retirement or separation
• Eligibility: Must have at least 3 years of creditable service and your insurance policy must have accumulated cash value

The policy loan is useful for members who have already maxed out their salary loan or who need additional funds. Hindi ito kakaltas sa buwanang sahod mo automatically, kaya mas flexible ang repayment — pero be careful, dahil compounding ang interest. If left unpaid for years, the balance can grow significantly.

Emergency Loan (Pautang Pang-emergency)

GSIS offers emergency loans during calamities, national emergencies, or pandemics — similar to SSS's calamity loan. The terms vary depending on the specific emergency program, but typically:

• Loanable amount: Usually 1 month's basic salary (but can be higher for major disasters)
• Interest rate: 6% per annum (same as salary loan) or lower for special emergency programs
• Repayment: 24-36 months, deducted from salary
• Eligibility: Must be an active member residing or working in the declared calamity area

Emergency loans are only available during specific windows declared by the GSIS Board. During typhoons, earthquakes, or pandemics, GSIS announces the availability through their website, social media, and coordinating agencies. Kung may kalamidad sa lugar mo, i-check agad ang GSIS website for announcements.

Policy Loan (Pautang sa Polisiya)

Ang GSIS Policy Loan ay nagbibigay-daan sa iyong umutang laban sa iyong life insurance policy. Dahil ang bawat government employee ay may compulsory life insurance sa GSIS, pwede mong gamitin ang accumulated value ng polisiya bilang collateral para sa loan.

• Halagang pwedeng utangin: Hanggang 90% ng cash surrender value ng life insurance policy mo
• Interest rate: 8% compounding kada taon
• Pagbabayad: Flexible — pwede kang magbayad kahit kailan, pero ang hindi nabayarang balanse at interest ay kakaltas sa benefit claims mo kapag nag-retire ka o naghiwalay sa serbisyo
• Eligibility: Dapat may kahit 3 taon ng creditable service at ang insurance policy mo ay dapat may accumulated cash value

Ang policy loan ay kapaki-pakinabang para sa mga miyembrong naka-max out na ang salary loan nila o kailangan ng karagdagang pondo. Hindi ito kakaltas sa buwanang sahod mo automatically, kaya mas flexible ang repayment — pero mag-ingat, dahil compounding ang interest. Kung hindi binayaran ng matagal, malaki ang pwedeng lumaki ng balanse.

Emergency Loan (Pautang Pang-emergency)

Nag-aalok ang GSIS ng emergency loans kapag may kalamidad, national emergencies, o pandemya — katulad ng calamity loan ng SSS. Ang mga terms ay nag-iiba depende sa partikular na emergency program, pero karaniwan:

• Halagang pwedeng utangin: Karaniwan ay 1 buwanang basic salary (pero pwedeng mas mataas para sa malalaking sakuna)
• Interest rate: 6% kada taon (pareho ng salary loan) o mas mababa para sa mga espesyal na emergency programs
• Pagbabayad: 24-36 buwan, kakaltas sa sahod
• Eligibility: Dapat active member na nakatira o nagtatrabaho sa lugar na idineklara na calamity area

Ang mga emergency loan ay available lang sa mga partikular na panahon na idineklara ng GSIS Board. Habang may mga bagyo, lindol, o pandemya, iniaanunsyo ng GSIS ang availability sa kanilang website, social media, at mga coordinating agencies. Kung may kalamidad sa lugar mo, i-check agad ang GSIS website para sa mga announcements.

Retirement is probably the most important GSIS benefit — it's what you've been working toward your whole career sa gobyerno. Under Republic Act No. 8291, here's how GSIS retirement works:

Eligibility

• Age requirement: At least 60 years old (this is the compulsory retirement age for most government employees)
• Service requirement: At least 15 years of creditable government service
• Optional retirement: Members who have rendered at least 15 years of service can optionally retire at age 60 even if their position allows a later retirement age

Types of Retirement Benefits

• Monthly pension — If you have at least 15 years of service, you receive a lifetime monthly pension. This is the main benefit and continues for life (and may be transferable to qualified beneficiaries upon your death)
• Cash payment (lump sum) — Upon retirement, you receive an initial lump sum equivalent to 18 months of your basic monthly pension (BMP). After 5 years of receiving pension, you get an additional 18-month lump sum
• Separation benefit — If you leave government service before qualifying for full retirement (less than 15 years of service), you receive a cash benefit based on your total contributions

How is the Monthly Pension Computed?

The Basic Monthly Pension (BMP) under RA 8291 is the highest of these three computation methods:

• Formula A: 37.5% of your Average Monthly Compensation (AMC) for the first 20 years of service, plus 2.5% of AMC for each year of service beyond 20 years
• Formula B: (AMC x years of service) / 55. This formula generally favors members with longer service
• Formula C: A minimum guaranteed pension amount (adjusted periodically by GSIS)

Your Average Monthly Compensation (AMC) is the average of your last 36 months of highest salary before retirement. So kung tumaas ang sahod mo bago mag-retire, it directly increases your pension. This is why many government employees try to get promotions or salary grade increases sa huling taon ng service nila.

Example: A government employee retiring with 30 years of service and an AMC of ₱35,000:

• Formula A: 37.5% + (10 x 2.5%) = 62.5% of ₱35,000 = ₱21,875/month
• Formula B: (₱35,000 x 30) / 55 = ₱19,091/month
• The higher of the two (₱21,875) becomes the BMP
• Initial lump sum: 18 x ₱21,875 = ₱393,750

Ang retirement ay marahil ang pinakamahalagang GSIS benefit — ito ang pinagtrabahuhan mo sa buong career mo sa gobyerno. Sa ilalim ng Republic Act No. 8291, narito kung paano gumagana ang GSIS retirement:

Eligibility

• Kinakailangang edad: Kahit 60 taong gulang (ito ang compulsory retirement age para sa karamihan ng government employees)
• Kinakailangang serbisyo: Kahit 15 taon ng creditable government service
• Optional retirement: Ang mga miyembrong nakapagbigay ng kahit 15 taon ng serbisyo ay pwedeng mag-optional retire sa edad 60 kahit pinapayagan ng posisyon nila ang mas matagal na retirement age

Mga Uri ng Retirement Benefits

• Buwanang pension — Kung may kahit 15 taon kang serbisyo, makakatanggap ka ng lifetime monthly pension. Ito ang pangunahing benepisyo at nagpapatuloy habambuhay (at maaaring i-transfer sa qualified beneficiaries kapag namatay ka)
• Cash payment (lump sum) — Sa retirement, matatanggap mo ang initial lump sum na katumbas ng 18 buwan ng basic monthly pension (BMP) mo. Pagkatapos ng 5 taon na pagtanggap ng pension, makakakuha ka ng karagdagang 18-buwan na lump sum
• Separation benefit — Kung umalis ka sa government service bago mo ma-qualify ang full retirement (wala pang 15 taon ng serbisyo), makakatanggap ka ng cash benefit batay sa kabuuan ng contributions mo

Paano Kinukuwenta ang Buwanang Pension?

Ang Basic Monthly Pension (BMP) sa ilalim ng RA 8291 ay ang pinakamataas sa tatlong paraan ng computation na ito:

• Formula A: 37.5% ng iyong Average Monthly Compensation (AMC) para sa unang 20 taon ng serbisyo, dagdag ang 2.5% ng AMC para sa bawat taon ng serbisyo lampas sa 20 taon
• Formula B: (AMC x taon ng serbisyo) / 55. Ang formula na ito ay karaniwang pabor sa mga miyembrong may mas matagal na serbisyo
• Formula C: Isang minimum guaranteed pension amount (inaayos paminsan-minsan ng GSIS)

Ang iyong Average Monthly Compensation (AMC) ay ang average ng iyong huling 36 buwan ng pinakamataas na sahod bago mag-retire. Kaya kung tumaas ang sahod mo bago mag-retire, direktang tumataas ang pension mo. Kaya naman maraming government employees ang nagsisikap na makakuha ng promotions o salary grade increases sa huling taon ng service nila.

Halimbawa: Isang government employee na magre-retire na may 30 taon ng serbisyo at AMC na ₱35,000:

• Formula A: 37.5% + (10 x 2.5%) = 62.5% ng ₱35,000 = ₱21,875/buwan
• Formula B: (₱35,000 x 30) / 55 = ₱19,091/buwan
• Ang mas mataas sa dalawa (₱21,875) ang magiging BMP
• Initial lump sum: 18 x ₱21,875 = ₱393,750

Compulsory Life Insurance

Every GSIS member is automatically covered by compulsory life insurance from the day of appointment. This means your designated beneficiaries are protected in case something happens to you while you're in active government service. Walang extra premium na kailangang bayaran — it's part of your GSIS membership package.

• Coverage amount: Based on your salary grade and years of service. The higher your salary grade and the longer your service, the greater the coverage. Your life insurance face value is shown in your eGSIS account
• Beneficiaries: The death benefit is paid to your designated primary beneficiaries (spouse and children). If none, it goes to secondary beneficiaries (parents), then to your legal heirs
• Funeral benefit: ₱50,000 is paid to cover burial and funeral expenses, on top of the life insurance proceeds
• Survivorship pension: If you qualify for retirement benefits at the time of death, your beneficiaries may receive a survivorship pension — a continuing monthly pension for the surviving spouse and/or minor children

Disability Benefits

If a government employee becomes permanently disabled (either total or partial) while in service, GSIS provides disability benefits:

• Permanent Total Disability (PTD) — Monthly pension for life, plus a cash payment. Examples include total blindness, loss of both hands/feet, or any condition that prevents you from performing any gainful occupation
• Permanent Partial Disability (PPD) — Lump sum cash benefit based on the degree of disability. Examples include loss of one hand, one foot, or one eye
• Temporary Total Disability (TTD) — 75% of your current daily compensation for each day of disability, up to a maximum of 120 days per year. Similar to SSS sickness benefit

To claim disability benefits, you need to file through your agency's HR department with supporting medical documents from a GSIS-accredited physician. The claim is then processed by GSIS, and kung approved, the benefit is released directly to you or your representative.

Compulsory Life Insurance

Ang bawat GSIS member ay automatic na covered ng compulsory life insurance mula sa araw ng appointment. Ibig sabihin nito, protektado ang mga itinalagang beneficiaries mo kung sakaling may mangyari sa iyo habang nasa active government service ka. Walang extra premium na kailangang bayaran — bahagi ito ng GSIS membership package mo.

• Halaga ng coverage: Batay sa iyong salary grade at taon ng serbisyo. Kung mas mataas ang salary grade mo at mas matagal ang serbisyo mo, mas malaki ang coverage. Ang life insurance face value mo ay makikita sa eGSIS account mo
• Mga beneficiaries: Ang death benefit ay ibinabayad sa iyong itinalagang primary beneficiaries (asawa at mga anak). Kung wala, mapupunta sa secondary beneficiaries (mga magulang), pagkatapos sa iyong legal heirs
• Funeral benefit: ₱50,000 ang ibinabayad para sa gastusin sa libing at burol, bukod pa sa life insurance proceeds
• Survivorship pension: Kung kwalipikado ka sa retirement benefits sa oras ng kamatayan, maaaring makatanggap ang mga beneficiaries mo ng survivorship pension — isang patuloy na buwanang pension para sa surviving spouse at/o mga minor na anak

Disability Benefits

Kung ang isang government employee ay maging permanently disabled (either total o partial) habang nasa serbisyo, nagbibigay ang GSIS ng disability benefits:

• Permanent Total Disability (PTD) — Buwanang pension habambuhay, dagdag ang cash payment. Mga halimbawa ay total blindness, pagkawala ng parehong kamay/paa, o anumang kondisyon na pumipigil sa iyong makapagtrabaho sa anumang gainful occupation
• Permanent Partial Disability (PPD) — Lump sum na cash benefit batay sa antas ng disability. Mga halimbawa ay pagkawala ng isang kamay, isang paa, o isang mata
• Temporary Total Disability (TTD) — 75% ng kasalukuyang daily compensation mo para sa bawat araw ng disability, hanggang sa maximum na 120 araw kada taon. Katulad ng SSS sickness benefit

Para mag-claim ng disability benefits, kailangan mong mag-file sa pamamagitan ng HR department ng ahensya mo na may kasamang supporting medical documents mula sa GSIS-accredited physician. Ang claim ay ipoproseso ng GSIS, at kung ma-approve, ang benepisyo ay ire-release nang direkta sa iyo o sa representative mo.