GSIS Disability…


Disability
Disability benefits are benefits granted to a member due to the loss or reduction in earning capacity caused by a loss or impairment of the normal functions of the employee’s physical and/or mental faculties as a result of an injury or disease.

The loss in earning capacity shall be determined on the basis of the following:
1. The employee’s actual loss of income from the usual occupationâ₨
2. The capacity to engage in any other gainful occupation because of impairment

A disability may either be:
Permanent Total
Permanent Partial
Temporary Total

Injuries resulting in any of the following are deemed Permanent Total Disability (PTD)
a. Complete loss of sight of both eyes
b. Loss of two limbs at one or above the ankle or wrist
c. Permanent complete paralysis of two limbs
d. Brain injury resulting in incurable imbecility, insanity or other irreversible conditions

The benefits for Partial Total Disability are as follows.
1. If the member is in the service with less than 15 years of service, benefit can be either:
a. Basic Monthly Pension

2. If the member is in the service with at least 15 years of service, benefit can be either:
a. Basic Monthly Pension
b. Cash payment of 18 times the Basic Monthly Pension

3. If the member is separated from service with 36 monthly contributions within the 5-year period immediately preceding PTD, benefit can be either:
a. Basic Monthly Pension

4. If the member is separated from service with 180 monthly contributions prior to PTD, benefit can be either:
a. Basic Monthly Pension

5. If the member has at least 3 years service with contributions, but PTD occurs 5 years after separation from the service, benefit is:
Cash payment equal to 100% of AMC X Service (but not less than P12,000) payable immediately. No more separation benefit shall be paid in the future.

Injuries resulting in any of the following are deemed Permanent Partial Disability (PPD)
Complete and permanent loss of the use of: any one finger, any toe, one arm, one hand, one foot, one leg, one or both ears, sight of one eye or such other cases as may be determined by the System
The benefits for Permanent Partial Disability are as follows:
1. If member is in the service, benefit is:
Cash payment CP = BMP X nos. of PTD months as recommended by the GSIS medical evaluator

2. If the member is separated from the service but has paid 36 monthly contributions within the last 5 years immediately preceding the disability or has paid at least 180 monthly contributions, benefit is:
Cash payment CP = BMP X nos. of PTD months as recommended by the GSIS medical evaluator

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