A COMPARATIVE ANALYSIS OF

THE SSS LAW, GSIS ACT AND

TITLE ON EMPLOYEES' COMPENSATION
(IN THE LABOR CODE OF THE
PHILIPPINES)
Paper Submitted by Group Three
Cabrera, Hannah; Flores, Areeya; Manguera, Triccie;
Uson, Nichole; and Valencia, Emmanuelle Nicole

15 August 2016

Atty. Ferdinand "Joy" Casis

Agrarian Law and Social Legislation

INTRODUCTION
The term social legislation refers to a body of laws that provide protection
or benefits to society, or segments thereof. It is a means to achieve social justice
as a goal of the State. The systems created and enforced by these laws seek to
provide assistance to covered individuals and their families in case of
occurrences which cause loss of income, and other financial burdens including
disabilities and illness.
The Social Security Law of 1997 (Republic Act No. 1161, as amended),
the Government Service Insurance System Act of 1997 (Republic Act No. 8291),
and the Employees' Compensation Title in the Labor Code of the Philippines
(Presidential Decree No. 442, as amended) are three examples of social
legislation presently in place in the Philippines. The general purposes of this
form of legislation include improving the economic status of workers, address
the uncertainties, delay, expense and hardship that go along with the
enforcement of court remedies; to transfer from the worker to the employing
industry a larger proportion of the economic loss due to industrial accidents and
injuries; to improve employer-employee relationships by reducing the need for

Page 1

litigation; and to provide employees with a remedy that is expeditious and

independent of proof of fault, and limit employer liabilities. This paper seeks to
draw attention to the aspects of each law that differentiate them from one
another, in order to gain a deeper appreciation of the reason why lawmakers
saw it fit to enact three separate pieces of legislation.
DISTINCTIONS AMONG THE LAWS
PURPOSE
The primordial purpose of the Social Security Law is to address the needs
of the people via the creation of a social security system, which promotes social
justice and provides meaningful protection to its members and beneficiaries
against disability, sickness, maternity, old age and death, and other occurrences
which result in loss of income or financial burden.
The main purpose of the Government Service Insurance System Act is to
promote the efficiency and welfare of the employees of the Government of the
Philippines, and grant to its members social security and insurance benefits in
line with those granted to private sector employees under the Social Security
Law.

Page 2

The primary purpose of the Employees' Compensation Title of the Labor

Code is to provide compensation for injuries, disabilities or death resulting from
occupational incidents or diseases, or accidental injury to or death of
employees.
PERSONS COVERED
The Social Security System applies to employers and employees in the
private sector. As far as employers are concerned, natural and juridical persons,
domestic or foreign, who carry on business in the Philippines are covered. In
regard to employees, any person engaged in an employer-employee
relationship, who performs services for an employer and receives compensation
for these services, is deemed covered.

Self employed individuals are also

covered, as they are considered both employer and employee.

Coverage under the SSS is compulsory for all employees not over 60
years of age and their employers; self employed persons; domestic helpers 60
years of age and below, with a monthly income of not less than P1,000.00 on
the date of their employment; and individual farmers and fishermen. Coverage
is voluntary for Filipinos recruited by foreign-based employers for employment
Page 3

abroad; employees separated from employment who want to maintain their right
to full benefits; self-employed individuals who realize no income in a certain
month; and spouses who devote full time to managing the household and family
affairs, unless specifically mandatorily covered.
Any foreign government, international organization or wholly owned
instrumentality which employs workers in the Philippines or employs Filipinos
outside the Philippines is permitted to enter into an agreement with the national
government to include such employees in the SSS, except those covered by civil
service retirement systems in foreign countries.
Those who are purely casual employees; perform services on or in
connection with alien vessels outside the Philippines; perform services for
foreign governments; and are temporary employees, are excluded by SSS
regulation.
The GSIS covers employers and employees in the public sector. The
national government, it's subdivisions, branches, agencies and instrumentalities,
including GOCCs, are covered as employers. Any persons employed by such
covered employers are also deemed covered as employees.
Page 4

GSIS coverage is compulsory for all employees receiving compensation

who have not yet reached compulsory retirement age, irrespective of
employment status. Members of the AFP, PNP, contractual employees who
have no employer-employee relationship with the agency are exempt from
coverage by GSIS, and members of the judiciary and constitutional commissions
are covered by life insurance only.
Employees' Compensation covers every employer, every employee 60
years of age and below, any employee over the age of 60 if he was paying
contributions before the age of 60 and has not yet been compulsorily retired.
Under the law, all employees who are coverable by both the SSS and GSIS are
compulsorily covered by both systems.
EFFECTIVE DATE OF COVERAGE
Under the SSS, employers are covered starting from their first day of
operations. Employees are covered beginning from their first day of employment.
Self-employed individuals are covered from their day of registration with the
SSS.

Page 5

Under the GSIS, employers are covered beginning from their first day of
operations. Employees are covered starting from their first day of employment.
Under Employees' Compensation, employers are covered from either their
first day of operation or from January 1, 1975, whichever is later. Employees are
covered from their first day of employment.
DEPENDENTS
Under the SSS, the dependents who are entitled for support include the
legal spouse; children, whether legitimate, legitimated, legally adopted or
illegitimate, but must be unmarried, not gainfully employed, under the age of 21,
or incapable of supporting himself either physically or mentally; and the parents,
dependent on the member for support.
Under the GSIS, the dependents who are entitled for support include the
legal spouse; children, whether legitimate, legitimated, legally adopted or
illegitimate, but must be unmarried, not gainfully employed, under the legal age
of majority, or incapable of supporting himself either physically or mentally; and
the parents, dependent on the member for support.

Page 6

Under Employees' Compensation, the dependents who are entitled for

support include the legal spouse; children, whether legitimate, legitimated,
legally adopted or illegitimate, but must be unmarried, not gainfully employed,
under the age of 21, or incapable of supporting himself either physically or
mentally; and the parents, dependent on the member for support.
BENEFITS
The benefits under SSS include monthly pension, dependents' pension,
retirement benefits, death benefits, permanent disability benefits, funeral
expenses, sickness benefits, maternity benefit for the first four deliveries or
miscarriages, and loan grants.
The benefits under the GSIS for all members are life insurance, retirement
benefits,

disability

unemployment.

pay,

survivorship

benefits,

separation

pay,

and

The members of the judiciary, however, only receive life

insurance benefits.
Under the Employees' Compensation, the benefits that members are
entitled to are medical, disability and death only.

Page 7

BENEFICIARIES
Under the SSS, the primary beneficiaries are the dependent spouse until
remarriage, and dependent legitimate or legitimated or legally adopted and
illegitimate children. Secondary beneficiaries are dependent parents, and in the
absence of primary and secondary beneficiaries, any other person designated
by the member as a secondary beneficiary. In regard to death benefits, if no
beneficiary qualifies under the law, the benefits shall be paid to the legal hairs in
accordance with the law on succession.
Under the GSIS, the primary beneficiaries are the legal dependent
spouse, until remarriage, and dependent children. Secondary beneficiaries are
dependent parents and legitimate descendants subject to restrictions on
dependent children and legitimate descendants.
Under Employees' Compensation, primary beneficiaries are the legitimate
spouse living with the employee at the time of his or her death, until he or she
remarries, and legitimate, legitimated, legally adopted or acknowledged natural
children, who are unmarried, not gainfully employed, not over 21 years of age, or
over 21 years of age, but incapacitated and incapable of self support.

Page 8

dependent acknowledged natural child shall be considered as primary

beneficiary only when there are no other dependent children who are qualified
and eligible, and that if there are two or more acknowledged natural children,
they shall be counted from the youngest, and without substitution, not exceeding
five. The secondary beneficiaries are legitimate parents wholly dependent on
the employee for regular support, and legitimate descendants and illegitimate
children who are unmarried, not gainfully employed, and not over 21 years old,
or over 21, but incapacitated and incapable of self support.
COMPENSATION
Under the SSS Law, all actual remuneration for employment, including the
cost of living allowance, and the cash value of any compensation paid in a
medium other than cash, except the part in excess of the maximum salary credit
is deemed part of compensation.
Under the GSIS Law, the basic salary received by an employee, pursuant
to the election/appointment to office, excluding per dimes, bonuses, overtime
pay, honoraria, allowances and any other emoluments received in addition to the
basic pay is considered as part of compensation.
Page 9

The Employees' Compensation title does not make specific reference to

what is included or excluded from an employee's compensation.
REPORTORIAL REQUIREMENTS
Under the SSS Law, employers must report immediately to the SSS the
names, ages, civil statuses, occupations, salaries and dependents of all covered
employees. For those who are self employed, they must report to the SSS
within 30 days from the first day of operation, their own name, age, civil status,
occupation, average monthly net income and dependents.
Under the GSIS Law, the employer must furnish the GSIS with the names,
employment statuses, positions and salaries of the employees, and other such
matters as may be determined by the GSIS at a later date.
EFFECTS OF SEPARATION FROM EMPLOYMENT
Under the SSS Law, when an employee is separated from service, the
employer's contribution on his account will cease; the employee's obligation to
contribute also ceases at the end of the month of separation; the employee will
be credited with all the contributions paid on his behalf, and is entitled to the

Page 10

benefits; and the employee may continue to pay the total contributions to
maintain his right to full benefits.
Under the GSIS Law, a member who is separated from the service will
continue to be a member, and is entitled to whatever benefits he has qualified for
in the event of any contingency compensable under the law.
ADMINISTRATION
The SSS is directed and controlled by a Social Security Commission. The
GSIS, on the other hand, is self-governed, with the controlling body built into the
organization itself. The Employees' Compensation Fund is administered by an
Employees' Compensation Commission, which is a quasi-judicial corporate
entity attached to the Department of Labor and Employment for policy
coordination and guidance.
BASIS OF CLAIMS
Under the SSS Law, non-work connected disabilities sicknesses,
maternity, death, and old age and other contingencies resulting in loss of income
or financial burden may be the basis of claims filed by the member.

Page 11

Under the GSIS Law, claims must be work-connected, and the System will
be exempt from liability where the member suffers from disability because of his
grave misconduct, notorious negligence, habitual intoxication or willful intention
to kill himself or another.
SETTLEMENT OF CLAIMS AND DISPUTES
Under

the

SSS

Law,

disputes

arising

from

coverage,

benefits,

contributions, penalties, and any matters related thereto are under the
jurisdiction of the Social Security Commission. Decisions must be made within
20 days from submission of evidence. Appeals may be made to the Court of
Appeals for questions of law and fact, and to the Supreme Court for pure
questions of law. The prescriptive period for claims is 20 years from the time of
delinquency.
Under the GSIS Law, any dispute arising under the act, and other laws
administered by the GSIS are for the jurisdiction of the GSIS. Decisions must be
made within 30 days from receipt of the hearing officer's findings and
recommendation, or 30 days after submission for decision. Appeals may be
made to the Court of Appeals under Rule 43, Section 31. Alternatively, they may
Page 12

be brought up to the Supreme Court under Rule 45. The prescriptive period is 4
years from the date of contingency, except for life and retirement benefits.
CONCLUSION
It is apparent that although there is a common overarching purpose for all
three of these pieces of social legislation, there are a number of facets of each
of these that make them distinct.

Each law caters to a different set of

individuals, and confers varying rights and obligations upon those covered by
their scope. All three laws, however, work in harmony to ensure that all Filipino
workers are have access to benefits, that improve their economic status; shift
the burden of economic loss due to injuries to the employer; and provide these
workers with expedient and non-litigious means of augmenting their financial
issues associated with industrial accidents.
We have attached herewith, as Annex A, a more detailed, code-based
description of the distinctions among the SSS Law, GSIS Law and the
Employees' Compensation Title, given in tabular form. Kindly reference Annex
A for added information on the distinctions discussed above in this paper, and

Page 13

other computation-based and numerical differences among the three pieces of

social legislation in question.

Page 14

ANNEX A
Comprehensive Comparative
Analysis of SSS Law, GSIS Law
and Employees' Compensation Title
in Tabular Format

SSS Law

Persons
Covered

GSIS Law

Employees

A
a) All employees not over 60(a) Employer- The national(a) Every em

years

of

age

and

employers.
-

In

theirgovernment,

its

political(b) Every em

subdivisions,

case

helpers,

of

branches,60 years of a

domesticagencies

their

orXPN: An em

monthlyinstrumentalities,

includingyears of age

income shall not be less thatgovernment-owned

P1,000.00/month.

controlled corporations, andthe System

(b) Spouses who devote fullfinancial

time

managing

orbeen paying

institutions

householdoriginal

charters,

and family affairs unless theyconstitutional

withand

thecompulsorily

commissions(c) An

are also engaged in otherand the judiciary;

vocation
which

or
is

toAny

person,

emp

coverable by

employment(b) Employee or Member-and

subject

has

SSS

receivingcompulsorily

mandatory coverage of SSS. compensation while in theSystems.

(c)

Filipinos

recruited

byservice of an employer as

foreign-based employers fordefined herein, whether by

employment abroad.

election

or

(d) Self-employed

irrespective

appointment,
of

status

of

appointment,

including

barangay and sanggunian

officials;
(c)

Active

member

Memberwho

is

A
not

separated from the service;

Effective Date of - Compulsory coverage of- Coverage of employers and
- Coverage
Coverage
the employer: First day of hisemployees take effect on the
First day of o
operation

first day of operation and

earlier than J

- Compulsory coverage ofemployment, respectively.

- Coverage

employee: On his first day of

the first day o

employment
- For self-employed persons:
Upon his registration with

Dependents

SSS
(a) The legal spouse entitled (a)

Legitimate

spouse(a) Legitima

by law to receive support fro dependent for support uponlegally

m the member;

the member or pensioner;

acknowledge

(b) The legitimate, legitimate (b) Legitimate, legitimated,who

d, or legally

adopted,legally

adopted

and illegitimate child who is uincluding

nmarried,

the

is

child,gainfully emp

illegitimateover twenty-o

child, who is unmarried, not or over twen

not gainfully employed and h gainfully employed, not overage

as not

provi

the age of majority, or is over incapacitated

reached 21 years of age, or the

age

of

majority

butof self-supp

over 21 years of age, he is c incapacitated and incapablephysical or

ongenitally orwhile still a min of self-support due to awhich
or has been permanently

is

mental or physical defectacquired duri

incapacitated and incapable acquired prior to age of(b) The leg

of self-support, physically or majority; and
mentally; and

(c) the parents dependent(c)

(3) The parent who is receivi upon

Benefits

living with the

the

member

The

pa

foremployee wh

ng regular support from thesupport;

upon him for

member.
- Monthly Pension

- Disability Be

All members:

- Dependents Pension

- Separation Benefits

- Retirement Benefits

- Sickness Benefits

Involuntary

Permanent

Unemployment

- Death Bene

or- Medical Ben

Separation

DisabilityBenefits

Benefits

- Retirement Benefits

- Death Benefits

- Funeral Benefits

Benefits (Permanent Partial

Permanent

Disability

- Maternity Leave Benefitsor Total Disability)

(only for first 4 deliveries or - Survivorship Benefits
miscarriages)

- Funeral benefits
- Life Insurance Benefits

Judiciary:
-

The

Insurance

only- Tax Exempt

Primary:

Beneficiaries Primary:
(1)

Life

legal

dependent(1)

The

legal

Benefits

Primary:

dependent(1) The leg

spouse

until

he/shespouse until he/she

remarries; and

remarries; and

living with th
the time of

(2) Dependent legitimate or(2) Dependent children

death until he

legitimated

(2) Legitima

adopted

or
and

legally
illegitimate

legally
Secondary:

children

acknowledge

(1) The dependent parentschildren, who

Secondary:

and,

(1) Dependent Parents

(2) Subject to the restrictionsover 21 years

(2)

Absent

primary

not gainfully

andon dependent children, the21 years of a

secondary beneficiaries, anylegitimate descendants;

he

other person designated by

incapable of

member

due to phys

as

secondary

beneficiary

is

inca

defect which
acquired

du

Others:

Provided,

fu

(1) As to death benefits, if no

dependent

beneficiary qualifies, benefits

natural

shall be paid to legal heirs in

considered

accordance

beneficiary

succession

with

law

of

chi

only when th

dependent c
qualified

an

monthly

in

provided fina
are

two

acknowledge
children,

th

counted from
and without

not exceeding

Secondary:

(1) The leg

wholly depen
employee
support;
(2)

The

descendants

children who
not gainfully

not over 21 y
over

21

provided

incapacitated

of self - s
physical or
which

is

acquired duri
Contribution

Begins on the last day- Mandatory for the employer

of

calendars

monthand employee

when an employees- Government contribution

compulsory

average-Government Guarantee

takes effect.
Government

Guarantee
Compensation - All actual remuneration for

The basic pay or salary

employment, including the

received

by

an

mandated cost-of-living

employee, pursuant to

allowance

his
election/appointment,
excluding per diems,
bonuses, overtime pay,
honoraria, allowances
and

any

other

emoluments
received in addition to the
basic pay which are not
integrated into the basic pay

Average Monthly
Compensation/C
redit

under existing laws

The quotient arrived at - The result obtained by
after

dividing

the

dividing the sum of the

aggregate

last sixty (60) monthly

compensation received

salary

by the member during

immediately preceding

his last thirty-six (36)

the

months

contingency by sixty

of

service

preceding

his

(60),

credits

semester

or

the

result

separation/retirement/

obtained

disability/death

by

the sum of all the

thirty-six (36), or by the

monthly salary credits

number of months he

paid

received

semester

such

by

of

prior

dividing

to

the
of

compensation if he has

contingency

by

less than thirty-six (36)

number

monthly

months of service

contributions

of

paid

the

in

Same w

the same

Average Daily The

result

obtained

period, whichever is greater

by - The
actual
daily

Credit/Current dividing the sum of the six

Daily

compensation or the

(6) highest monthly salary

actual

Compensation credits in the twelve-month

period

Amount of
Benefits

GSIS

compensation divided

immediately

by

the

number

of

working days in the

contingency by one hundred

month of contingency

eighty (180)

but

Amount of retirement

Same

monthly

preceding the semester of

not

to

exceed

twenty-two (22) days

Separation benefit -

Death b

benefits,

death

one hundred percent

the ca

benefits,

permanent

(100%) of his average

benefic

total/ partial disability

monthly compensation

monthly

benefits depends on

for

shall b

the monthly pension

service

given determined by

contributions, but not

each

year
he

of
paid

the

benefit

SSS.
Basic monthly pension

Twelve

total d

thousand

pesos

shall be

(P12,000)

payable

five ye

less

computed as sum of:

(i) P300; (ii) 20% of the

upon

average monthly salary

credit (AMSC); and (iii)
2% of AMSC for each

than

reaching

sixty

(60) years of age or

for

upon

child bu

separation,

whichever comes later

credited year of service

(CYS) in excess of 10
years. This is subject
to a minimum amount,
computed

as

the

higher of: i) 40% of the

AMSC; or ii) P1,200 if
the

member

has

atleast 10 but less than

20 CYS, or P2,400 if

by ten

ea

five (5)
the

Unemployment

or

without

Involuntary Separation

provide

Benefits equivalent

aggrega

to fifty percent (50%) of

benefit

the average monthly

case of

compensation shall be

in no c

paid to a permanent

monthly

employee

is

actually

involuntarily separated

the em

who

the member has ateast

from the service due to

time of

20 CYS
Funeral

the

his

provide

position

the mi

Benefit. A

funeral

office

grant

equivalent to Twelve
thousand

equivalent

to

percent

daily

ninety

(90%)

credit
Maternity

of

salary

or

usually resulting from

benefit

reorganization

less

Leave

one hundred percent

(100%) of her average
daily salary credit for
(60)

thousan
-

Permanent

Total

(P15,00

Disability Benefits If
the

death b

permanent

paid du

disability is total, he

period

shall receive a monthly

benefit - equivalent to

sixty

of

pesos

(P12,000.00)
Sickness
benefit

average

abolition

days

or

income benefit for life

equal

to

monthly

the

basic

pension

effective from the date

of disability

are enti
If the

been re

benefits

total d

time of

primary

seventyeight (78) days

Permanent

shall

Partial

in case of caesarean

Disability Benefits. If

monthly

delivery

the disability is partial,

equival

he shall receive a cash

percent

payment in accordance

depend

with

of

equival

schedule

disabilities

to

be

percent

prescribed

by

the

for

GSIS:

ev

child bu

five (5
-

Temporary

Total

Disability Benefit.

the

(a) A member who

suffers temporary total
disability for reasons
not due to any of the
conditions enumerated

without
(b) In

second

benefic

income

payable

in Section 15 hereof

pension

shall

to

exceed

percent

sixty (6

(75%) of his current

the ag

daily compensation for

benefit

each day or fraction

less tha
If the

be

entitled

seventy-five

thereof of temporary
disability

benefit

exceeding

not
one

hundred twenty (120)

days in one calendar
year after exhausting
all

his

sick

leave

credits and collective

bargaining agreement
sick leave benefits, if
any,

but

not

earlier

been re

income

perman

disabilit
his

second

benefic
paid

pension

depend

than the fourth day of

the rem

his

of

temporary

total

disability

guarant

Survivorship benefit -

(ECC

basic

2799, J
Funeral

survivorship
-

pension which is fifty

funeral

percent (50%) of the

Thousa

basic monthly pension;

and

the

(P3,000

dependent

paid up

children's pension not

a cover

exceeding fifty percent

(50%)

of

the

perman

basic

monthly pension.
-

disable
Monthly

Funeral benefit - shall

Benefit

not be less than Twelve

case o

thousand

the am

(P12,000.00):

pesos

to one

Provided, That it shall

percent

be increased to at least

sum

Eighteen

thousand

monthly

(P18,000.00)

multiplie

pesos

after five (5) years

replace

one an

(1-1/2%

average

credit fo
year
excess

Provide

monthly

shall in

than P

Howeve

monthly

survivin
shall

automa

simulta
extent

percent

differen

income

betwee

and the
(20%)

monthly

betwee

be ma

1286; E
No.

1984).

(b) In t
GSIS,

income
the

pension

PD 11

percent

but sha

than P

than th
at

th

conting

Resolut

July 25
Tempor

disabilit

employ

benefit

total di

paid an

equival

percent

average
credit,

followin
(1) The
benefit

less th

more th

paid lo
days

disabilit
injury

requires

extensi

that las

days, b

240 day

disabilit

he shal
for

te

disabilit

extende
(2)

income

suspen

employ
submit

medica
by

physicia

under S
hereof.

3682, J
Perman

disabilit

the cas
(1)
A

entitled

total d

shall b

System

income

defined

[sic] Ru

Rules.
(b) Th

months

coverag

number

contribu

to the S

contribu
than

Compe
before
The

income
paid

compen

of disab
(c) T

precedi

semest

total di

conside

purpose
the

benefit

total dis
Sec.

Benefit

Childre

depend
not

counted

younge

substitu

entitled

percent

income

employ

Rules s

causes

accrued

1978.
Sec. 5
the

Benefit

(a) T
of the
benefit
under
Rules

applica

conting

occurrin

January

Howeve

conting

occurre

1978, t

P12,00

whichev

shall be
In the c
the

pr

income
current

shall b
twenty

effectiv

1980.
In the
GSIS,

income
current

shall b

recomp
the

tw

(20%)

the be

1146 e

1, 1980
Perman

disabilit

3. Amo
(a)

entitled
partial

shall b

System

income

number

indicate

hereof.

number

exceed

income
paid

pension

System

income
sum

pension
(b)
I

perman

disabilit
total

membe

monthly

be paid

the per
for the

membe

with the
the par

the tot
result

fraction

be rou

next hig
(c)
I

simulta

more th

or a p

same m

shall b

period e

sum

establis
of the
thereof

exceed
result

fraction

be rou

higher i
(d) The
the

benefit
under
Rules

applica

conting

occurrin

January

Howeve

conting

occurre

1978, t

P12,00

whichev

shall be
In the c
the

pr

income
current

shall b
twenty

effectiv

1980.
In the
GSIS,

income
current

shall b

recomp
the

tw

(20%)

the ben

1146 e

1, 1980
Sec.

Injuries

(a)

injuries

listed i
under
hereof,
be an

equival

percent

perman

capacit

(Non-S

Administration

Social

Security

The

Government

System. (a) To carry

Service

out the purposes of

System

this Act,

the Social

Security

System,

Disabili
The

Insurance

Compe

created

Commi

under Commonwealth

judicial

Act

attache

as

No.

186

shall

hereinafter referred to

implement

as "SSS", a corporate

provisions of this Act.

and

Some

and

policy c

place of business in

functions of the System

guidanc

Metro Manila,
Philippines, is hereby

are;

Commi

(a) to formulate, adopt,

by the

body,

with

principal

created. The SSS shall

powers

the

Departm

be

directed

amend and/or rescind

Labor a

controlled by a Social

such

and ha

Security Commission,

regulations as may be

as

hereinafter referred to

necessary to carry out

Preside

as "Commission"

the

GSIS

Some

powers

functions

of

and

and
the

Commission are;
(1) To adopt, amend
and rescind, subject to
the approval of the
President

of

the

Philippines, such rules

and regulations as may
be necessary to carry
out the provisions and
purposes of this Act;

rules

provisions

and

and

purposes of this Act,

Genera

as well as the effective

PHIC

exercise of the powers

ECC

and functions, and the

Directo

discharge of duties and

membe

responsibilities of the

membe

GSIS, its officers and

the

employees;

employ

(b) to adopt or approve

the

annual

supplemental
of

receipts

and
budget
and

(2)

To

establish

expenditures including

provident fund for the

salaries

members

allowances of the GSIS

consist

which
of

will

voluntary

contributions
employers

and

personnel;

of

(c) to invest the funds

and/or

of the GSIS, directly or

employees,

self

indirectly,

in

employed

and

accordance

voluntary

members

with

the

provisions of this Act;

and their earnings, for

(d) to acquire, utilize or

the payment of benefits

dispose

to such members or

manner recognized by

their

law, real or personal

beneficiaries,

of,

in

subject to such rules

property

and regulations as it

Philippines

or

may promulgate and

elsewhere

necessary

approved

to

out

by

the

carry

in

any

the

the

President

of

the

Philippines;
(3) To maintain

(e)
a

Provident Fund which

consists

purposes of this Act;

of

contributions made by

to

conduct

continuing

actuarial

and statistical studies

and

valuations

to

determine the financial

both the SSS and its

officials and employees

condition of the GSIS

and their earnings, for

(f) to have the power of

the payment of benefits

succession;

to such officials and

(g) to sue and be sued;

employees

their

(h) to enter into, make,

heirs under such terms

perform and carry out

and conditions as it

contracts of every kind

may prescribe;

and

or

description

with

any person, firm or

association

or

corporation,

domestic

or foreign;
(i) to carry on any other
lawful

business

whatsoever

in

pursuance of, or in
connection

Settlement of
Claims/ Disputes

Any
under

dispute
this

arising

Act

with

the

provisions of this Act;

The GSIS shall have

Service

with

original and exclusive

claim

respect to coverage,

jurisdiction to settle any

benefits

benefits, contributions

dispute arising under

in a pre

and penalties thereon

this Act and any other

the

or any other matter

laws administered by

physicia

related thereto, shall

the GSIS.

hospita

be cognizable by the

The

Board

may

Commission, and any

designate any member

case filed with respect

of the Board, or official

the Sys
(b) T

emerge
shall

thereto shall be heard

of the GSIS who is a

prescrib

by the Commission, or

lawyer,

physicia
Income

to

act

as
-

any of its members, or

by hearing officers duly
authorized

by

Commission
decided
mandatory

the
and

within
period

the
of

twenty (20) days after

the submission of the
evidence.

hearing officer.

claim
benefit

a pres
the

depend

employ
behalf,

System

the cla

(3) yea

the ca

accrued

bar the

granted

Rules.

Resolut

July 25
Upon

claim, t

process

determi
not the

disabilit

compen