Survivorship

Survivorship

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When a member or pensioner dies, his or her beneficiaries are entitled to cash and/or pension benefits, Beneficiaries who qualify for survivorship pension are entitled fifty percent (50%) of the basic monthly pension of the member or pensioner.

The following are qualified to receive survivorship benefits, and their corresponding benefits:

The survivors of deceased members who have been in the service for 15 years or more of creditable service:

For members who died while in the service, the survivorship benefit shall be the survivorship pension and cash payment equivalent to 18 times the basic monthly pension (BMP).

For those who died with the status of an inactive member, the survivorship benefit shall be the survivorship pension only.

The survivors of deceased members who have less than 15 years of creditable service:

For those who died while in the service, the cash payment/benefit shall be an amount equivalent to 100% of the average monthly compensation for every year of creditable service.

For those who died with the status of an inactive member and was less than 60 years old at time of death, the cash payment/benefit shall be an amount equivalent to 100% of the average monthly compensation for every year of creditable service, but not less than P12,000. The deceased member must have had at least 3 years of creditable service.

Here are the types of pensioners, their pension entitlements, and the conditions wherein the monthly pension is terminated, stopped, or suspended:

Type of Pensioner	When to Terminate/Stop/Suspend Monthly Pension
Survivorship Pensioner – Dependent Spouse (Monthly pension for life)	For the Spouse: Monthly pension shall be stopped if the pensioner: is employed, engaged in business or economic activity, or receiving any other form of pension whether from GSIS or other local or foreign institution or organization. passes away is living-in, separated, remarries within the Philippines and/or later annulled; remarries outside the Philippines and/or later divorced (per GSIS Legal Opinion 13-02 dated August 8, 2002)
Survivorship Pensioner – Child/Children (Monthly pension continuous until the child reaches age of majority)	For the Children: Monthly pension shall be stopped upon: The child’s reaching the age of majority (21 under R.A. 660, P.D. 1146; 18 under R.A. 8291) Marriage of the child Employment of the child Death of the child

It's very sad that the GSIS is not a "pro employee institution".... instead of being an ally for the government employees it becomes their major problem.... my father served the government for so long... he was a nurse in manila health department...he had a stroke and it happened in his office... but he recovered then when he was supposed to go back to service they told him he was not fit to work....so he went to this institution to file  his retirement disability and he was denied....so thinking that this was good because  he might be accepted to work again....he went back to manila health department ...but instead they told him to apply for retirement...so he applied for retirement.... my mother would always accompany my father for follow-up but everytime they go to GSIS they have documents lacking because of the system.... after 2 or 3 months my father had another attack....while we were in the hospital one of the benefits of the GSIS is some dicsounts on laboratory procedures wherein we were also declined of....then after a few days my father passed away.... we went to gsis to follow up his benefits....but until now what my mother got was 20,000.00 pesos....and we learned that if my mother has a source of income she would not receive a pension.... very depressing.... can anyone tell me where we can go so that we could appeal on this?