1. Update on GSIS Reforms for Active Members
4/28/2017
Update on GSIS Reforms for
Active Members
Government Service Insurance System
July 22, 2014
Almont Hotel and Island Resort, Butuan City
By:
DIONISIO C. EBDANE, JR.
Senior Vice President
Visayas Mindanao Operations Group
Title of Event
Date, Venue
Atty. Domeng Alidon and officers of DepEd-NEU’s National Executive Committee, the National Board of Trustees and Board members, good afternoon.
PGM Robert Vergara has a PSE Board Meeting this afternoon and asked me to represent him to this Leadership Training and Social Dialogue Planning Seminar.
As indicated in the program, I will now present some highlights on the GSIS Policy and Program enhancements to provide the most responsive and accessible service to our 1.4 million active members.
Let me start with the issues closest to your hearts….

2. Processing of separation/retirement benefits due to RATPLAN
4/28/2017
As as June 20, 2014:
4,493 applications processed
Php Million gross benefit
GSIS formed a “DepEd RATPLAN Task Force” to ensure that some 2,300 employees who opted to separate or retire as a result of the RATPLAN will receive their GSIS benefits promptly.
Regular meetings with DepEd’s Usec and Co-Chair of the Change Management Team Lino Rivera were held with GSIS to ensure that the GSIS records of affected employees are in order, hence facilitating release of their benefits.
As of June 2014, GSIS received a total of 1,463 separation and retirement claims. Of this total, GSIS already processed 844 claims; while 619 claims are still being processed. (for updating)
We’re awaiting the submission by DepEd of a new list which contains the names of an additional 900 employees who availed of retirement/separation. (for updating)
(Next … Refund of PIAs-GS)
Maaasahan ng
Lingkod - Bayan

3. under DBM, DepEd & GSIS MOA
Refund of premiums
under DBM, DepEd & GSIS MOA
Massive refund of life insurance (GS share) benefits of 179,243 DepEd active and inactive members amounting to Php Million.
Those who were granted refund were notified through:
Agency Authorized Officers
Text Blast (UBP)
As a result of the tripartite MOA that was signed in Malacanang on 11 September 2012 among DBM, DepEd and GSIS, we have massively refunded the premiums (representing the government share) that were deducted from the life insurance benefits of around 93,000 DepEd active (39,000) and non-active (54,000) personnel.
The refund was made in two tranches following payment by DBM – first tranche was in April 2013 and the second tranche was in March The total refund covering these two batches amounted to nearly Php1 billion.
To notify those who were granted a refund, GSIS provided the list of employees who were refunded their premiums-GS to their agency authorized officers; and for inactive members, the Union Bank sent a text message to pensioners the refund was credited to their pension accounts.
 Next– …. Reduction in unreconciled accounts
Maaasahan ng
Lingkod - Bayan

4. State of Members’ Records
Impact of Members’ records updating
88% reduction in unreconciled accounts from 2010 to From a high of P30 billion, unreconciled accounts went down to P11 billion in 2011, P8.9 billion in 2012 and P3.6 billion in 2013.
Next – improved posting and collection efficiency

5. Unreconciled/ clarificatory accounts
Posting and Collection Efficiency
Year
Collections
(In million pesos)
Unreconciled/ clarificatory accounts
Posting Efficiency
rate
2010
70,162
7,382
89%
2011
90,343
5,562
94%
2012
99,598
2,431
98%
2013
44,489
1,923
96%
Improved posting and collection efficiency.
As a result of the records updating, the efficiency of GSIS to accurately post and collect premiums and loans payment improved from 83.5% in 2010 to 90.3% in 2013.
Next- increase in payout for claims and benefits

6. Payment of Claims and Benefits
Disability
96% increase in claims and benefits
The pay-out for claims and benefits (retirement/separation, disability, life insurance, funeral and survivorship benefits) amounted to a record Php83 billion in 2013, a two-fold increase compared to the Php46 billion disbursed in Claims were also processed within the prescribed turnaround time owing to the reduction in the number of documentary requirements and the electronic crediting of benefits (retirement, life insurance, survivorship and pre-need) to the accounts of members through their eCard or UMId card.
Next- systems enhancements e.g. eGSIS MO, eBCS

7. Systems enhancements Electronic billing and collection system (e-BCS)
e-GSIS MO
Claims’ application through GWAPS
Systems enhancements. We rolled out enhanced online systems to allow members to know the state of their records electronically. These include the following:
Electronic Billing and Collection System (eBCS) – eBCS is a web-based reconciliation of billing and agency remittance prior to collection; GSIS started training of AAOs and ERF (electronic remittance file) handlers on the facility, beginning February to pave the way for its deployment this July;
Electronic GSIS Members’ Online (eGSIS MO) – a facility where members may view their membership profile, premium payments, status of loan applications, loan repayments and balances, service records and Statement of Member’s Account (SOMA). As initial implementation, members aged 59 years old and above, may begin to access their records this December.
Improved functionality of GSIS Wireless Automated Processing System where members can already view the tentative computation and application for claims in the kiosks and apply.
And since these systems can be accessed via the internet, pensioners, members, and agency authorized officers can do these transactions in the comfort of their homes and offices.
Next– non-suspension policy
Maaasahan ng
Lingkod - Bayan

8. Non-Suspension of Loan Privileges of Employees in Suspended agencies
4/28/2017
No more suspension for employees working in agencies that are delayed, deficient in premium payments (beginning July 2013)
Suspended agencies to choose from any of 3 options to restore regular status:
Full payment of premium delinquencies;
MOA with GSIS; and
Payment of at least 90% of any 3 consecutive months’ premium obligations; sign undertaking with GSIS to enter into MOA.
Beginning last July 2013, GSIS restored the loan privileges of government employees working in suspended agencies.
Suspended agencies may choose from any of three options to restore the loan privileges of their employees: They may pay their premium delinquencies in full; or restructure their arrears and commit to settling these through a Memorandum of Agreement (MOA) with GSIS; or upon payment of at least 90% of any three consecutive months’ premium obligations beginning July 2013, sign an undertaking to enter into a MOA with GSIS for the settlement of its premium deficiencies.
next slide – MOA signing with suspended agencies
Maaasahan ng
Lingkod - Bayan

9. Restored full benefits of nearly
4/28/2017
Restored full benefits of nearly
800,000 members through MOAs
To date, a total of 182 suspended agencies have concluded agreements with the System which restored loan privileges of more than 800,000 employees. 
next slide– opening of Pasig Extension office
182 suspended agencies signed agreements with GSIS which restored loan privileges of over 818,000 employees (as of 30 April 2014)
Maaasahan ng
Lingkod - Bayan

10. Opened NCR-Pasig Extension Office
4/28/2017
Opened NCR-Pasig Extension Office
Covers more than 107,000 members and 15,000 pensioners in Pasig, Pateros, Taguig, Marikina and Rizal province
Facilitates better coordination with DepED Central Office in Pasig
Funeral Claim
Retirement
Death Claim
Pre-need
CSV
Maturity
Disability
Launched a Pasig extension office to make our services more accessible to over 107,000 GSIS members and nearly 15,000 pensioners based in Pasig, Pateros, Taguig, Marikina and Rizal province.
Near DepEd’s Central Office, whose personnel accounts for 73% of Pasig’s membership base.
This September, we are also scheduled to break ground for a new Quezon City Branch office which will serve more than 200,000 members and pensioners in the area. As well, plans are underway to construct branch offices in Bohol and Cabanatuan this year.
Next… inauguration of service facilities at the Pasay head office…

11. Opened new Service Facilities at Head Office
4/28/2017
Last February, Senate President Franklin Drilon, inaugurated the newly-renovated service facilities for our members and pensioners at the Pasay City Head Office. These include a Pensioners’ Lounge and an e-Servicing Center for eCard enrollment.
Next – streamlining of requirements

12. Established 24/7 Contact Center
Our 24/7 contact center is now fully operational. Our our members and pensioners need not visit our offices and they can just call us from the comfort of their homes.
Next – streamlining of documents

13. Streamlining of Documentary Requirements
Separate clearances from the Office of the Ombudsman, Civil Service Commission and Office of the President are no longer required.
Instead, retired members will submit a Declaration of Pendency/Non-Pendency of Case.
Members, pensioners and other claimants of GSIS will now find it easier to comply with documentary requirements in filing for their social insurance benefits after reducing the number of forms that have to be accomplished and submitted. 
Around one to seven documents were weeded out from the previous set of GSIS requirements for retirement/separation benefit, life claim, funeral benefit, survivorship benefit, preneed claims, employees’ compensation, request for check replacement, check releasing and over-the-counter (OTC) loans granting.
GSIS no longer requires submission of three separate clearances from the Office of the Ombudsman, Civil Service Commission and Office of the President from retiring members. Instead, they will submit the Declaration of Pendency/Non-Pendency of Case along with their fully-accomplished retirement application forms.
Next, eCrediting of claims …

14. Used e-Card in Paying Claims starting Oct 14, 2013
4/28/2017
Used e-Card in Paying Claims starting Oct 14, 2013
Credits claim proceeds electronically via eCards instead of checks
Ensures timely release of benefits
Makes processing twice as fast than traditional check payment
Funeral Claim
CSV
GSIS benefits such as retirement, life insurance, survivorship and pre-need (for education and memorial) claims are now electronically credited to the accounts of GSIS members through their eCard or UMID card, instead of releasing the benefits through checks.
GSIS members will no longer have to wait for their claim checks to be printed, deposited and cleared before encashing them in the bank. This ensures the timely release of benefits to members and gives them the option to withdraw the amount from the nearest ATM.
(next slide- GSIS Scholarship program…)

15. AY 2014-2015 GSIS Scholarship Program
4/28/2017
AY GSIS Scholarship Program
Allows low-income members to send children to school
Exclusive to children of GSIS members
Php20,000/semester and
Php2,000 monthly stipend
We are now processing the applications for the 200 scholarship slots for academic year Previously, the mode of choosing scholars was done through an electronic raffle. Under the new guidelines, the nominee of a parent-member who has the lowest annual basic salary will be given priority in the scholarship grant.
The nominee must be a child of the member and an incoming freshman accepted in schools and courses accredited by the Commission on Higher Education.
The scholar of the program will be entitled to the actual cost of tuition and miscellaneous fees not exceeding Php20,000 and a monthly stipend of Php2,000.
next slide – GSIS partnership with DepEd on ADOPT A SCHOOL...

16. GSIS CSR – Adopt – a – School Program
4/28/2017
GSIS CSR – Adopt – a – School Program
GSIS partners with DepEd for 2014
Adopt – A-School and Brigada Eskwela
Programs
17 schools for pilot adoption nationwide with priority on schools hit by recent calamities
Area
Number of Schools
for adoption
Visayas 4
Mindanao
NCR 3
S. Luzon
N. Luzon
One of our corporate social responsibility projects for this year is our partnership with the Department of Education on the ADOPT-A-SCHOOL program where we will adopt schools located in the poorest areas of the country. As a pilot implementation, 17 schools will be adopted this year – 3 schools each in NCR, North Luzon and South Luzon; and four schools each in Visayas and Mindanao.
next slide – extension of HLRRP

17. Implemented a Housing Loan Remedial and Restructuring Program
4/28/2017
Implemented a Housing Loan Remedial
and Restructuring Program
Condones all unpaid penalties, surcharges
Grants extended payment terms
Uses more systematic and orderly manner of accommodating interested borrowers (by appointment)
Beginning August 1, 2013, GSIS housing loan borrowers can settle their arrears or update their housing accounts under the new housing loan restructuring program. The program is open to: (1) borrowers whose accounts are current or up-to-date; (2) awardees of accounts with cancelled deeds of conditional sale but are not yet sold; (3) accounts under foreclosure proceedings; (4) buyers of rights; and (5) heirs of deceased borrowers who will be able to meet the eligibility criteria and documentary requirements.
Application for loan restructuring is accepted until end- December To avoid unnecessary waste of the member's valuable time and ensure they are properly attended to, applicants are entertained through appointments only (Metro Manila –  , and ; provincial offices )
(next slide – Restored benefits of 800,000 members through MOAs )
Maaasahan ng
Lingkod - Bayan

18. Special Assistance Package for
Calamity-hit Members
4/28/2017
Loan Moratorium Program (LMP)
Home Emergency Loan Program (HELP)
Enhanced Emergency Loan Program (EEL)
In November 2013, GSIS offered a six-month loan moratorium, for members and pensioners which deferred the payment for all their existing loans, until October this year;
Emergency loan credit limit was increased from Php20,000 to Php40,000, as part of additional assistance to members and pensioners, who are either living or residing in the 172 areas severely damaged by typhoon Yolanda; Also waived the payment of 12 monthly amortization payment to renew loans, for these members.
Beginning this January, a new loan window called the Home Emergency Loan Program or HELP was opened to members whose houses were damaged by Yolanda. At 6% interest rate, eligible members may borrow up to Php200,000 depending on their total length of service. 
Next - GSIS is stable…

19. Actuarial life: 2047 GSIS is stable Indicator 2013 2012 2011 2010
Assets
785.83
727.58
633.64
566.61
Comp. Income
44.13
93.25
73.21
63.91
Claims and Benefits
83.39
65.54
54.27
46.04
Disability
GSIS is stable. Total assets in 2013 stood at nearly Php786 billion, 7.4% increase over the Php732 billion recorded the prior year.
Actuarial life is until 2047.
Claims and benefits disbursed since 2010 increased yearly from 46B in 2010; 54B in 2011; 66B in 2012 and 83B last year. From January to May 2014, claims released amounted to Php30.8 billion, 19.8% increase compared to the same period in 2013.
Next- ARTA rating…
Actuarial life: 2047

20. Next- Seal of Excellence recipients…
Branch Office
2013
GOOD 12
Dumaguete
89.85 13
Malaybalay
89.81 14
Ormoc
89.71 15
Tagum
89.51 16
Palawan
89.35 17
Tuguegarao
89.28 18
Batangas
89.12 19
Lucena
89.10 20
Aklan 21
Butuan
88.73 22
Kidapawan
88.20 23
Roxas
86.12 24
Davao
85.57 25
Quezon City
81.52 26
Dipolog
81.48 27
Iligan
81.45
From a FAILED rating of 68.17% in 2012, the average rating of 28 GSIS branch offices surveyed in 2013 under ARTA, is 89.35%, equivalent to GOOD
Next- Seal of Excellence recipients…

21. Cited by CSC for improved ARTA ratings
in service delivery
Branch Office
2012
2013
Inc/Dec
EXCELLENT 1.
Dagupan
69.25
95.81
+26.56 2
Surigao*
68.25
93.86
+25.61 3
Bohol*
71.54
93.28
+21.74 4
Laguna*
68.34
93.01
+24.67 5
General Santos *
76.54
92.77
+16.23 6
Antique*
74.10
92.70
+18.60 7
Bacolod*
71.03
91.57
+20.54 8.
Laoag
90.58 9.
Masbate
67.77
90.34
+22.57
10.
Bulacan*
59.74
90.20
+30.26
11.
La Union*
90.14
11 branch offices have been rated "Excellent" under the Anti-Red Tape Act (ARTA)- Report Card Survey in 2013.
Of which, eight branch offices are recipients of the Citizen’s Satisfaction Center Seal of Excellence for exemplary member servicing (100K cash for enhancing service and glass-mountable seal).
Next, systems’ enhancements
* Citizen’s Satisfaction Center Seal of Excellence Recipient

22. 2014 Directions Members’ Bill of Rights
4/28/2017
2014 Directions
Proposed amendments to GSIS Charter to institutionalize member-friendly policies, including:
Members’ Bill of Rights
Designation of beneficiary by single members before age 50
Removal of remarriage and cohabitation as basis for cancellation of survivorship benefit
Increase in funeral benefit to Php30K
No prescription period for claims
Option of the member to claim his/her separation benefit even before reaching age 60
Proposed amendments to GSIS Charter to institutionalize member-friendly policies, including:
Members’ Bill of Rights
Designation of beneficiary by single members before age 50
Removal of remarriage and cohabitation as basis for cancellation of survivorship benefit
Increase in funeral benefit to Php30K
No prescription period for claims
Option of the member to claim his/her separation benefit even before reaching age 60
Review of current life insurance policies – Enhanced Life Policy and Life Endowment Policy
Pension program for uniformed personnel
(Next– Review of policies; construction of Quezon City, Bohol, and Cabanatuan branch office buildings …)
Maaasahan ng
Lingkod - Bayan

23. 4/28/2017
2014 Directions
Review of current life insurance policies – Enhanced Life Policy and Life Endowment Policy
Pension program for uniformed personnel
Construction of GSIS branch office buildings in Quezon City, Bohol and Cabanatuan
Proposed amendments to GSIS Charter to institutionalize member-friendly policies, including:
Members’ Bill of Rights
Designation of beneficiary by single members before age 50
Removal of remarriage and cohabitation as basis for cancellation of survivorship benefit
Increase in funeral benefit to Php30K
No prescription period for claims
Option of the member to claim his/her separation benefit even before reaching age 60
Review of current life insurance policies – Enhanced Life Policy and Life Endowment Policy
Pension program for uniformed personnel
(Next– closing …)
Maaasahan ng
Lingkod - Bayan

24. 4/28/2017
At the new GSIS, it’s all about serving our members and pensioners with the utmost RESPECT, COURTESY and KINDNESS…
In closing, as our Chairman says, our task for the next two to three years should be to try to endear GSIS to its members. It’s a hard goal to accomplish.
But we hope that through these reforms, you … our members will be convinced that we are sincere in our mission to provide you with the most responsive service.
Thank you and we hope that you will have a productive seminar in the next two days.
Maaasahan ng
Lingkod - Bayan

25. Status on the Refund of Deducted Premium in Arrears
4/28/2017
Status on the Refund of Deducted Premium in Arrears
(PIA) of DepEd Personnel as a result of the Tripartite MOA
Maaasahan ng
Lingkod - Bayan

26. With Deducted PIA as of November 2012 232,355 No Deducted PIA 521,529
Background:
Tripartite MOA signed between GSIS, DepEd and DBM last September 11, 2012
The MOA covers the premium arrearages of DepEd from July 1997 to December 2010
No. %
Members covered by the Tripartite MOA
753,884
With Deducted PIA as of November 2012
(and therefore entitled to refund)
232,355
30.82%
No Deducted PIA
(and therefore not entitled to refund)
521,529
69.18%

27. DepEd Members qualified for refund of PIA as of Nov 2012 (1st 50% GS)
Identified DepEd Personnel Qualified for Refund of PIA (1st 50% GS):
232,355
DepEd Members qualified for refund of PIA as of Nov 2012 (1st 50% GS)
Dataset
106,965
16,017
27,423
105
41,139
22,281
Excluded
Deceased
With LWOP / Service Gaps
Non-Permanent Status
PIA deducted outside MOA period
For Review
(if with refundble PIA)
46.04%
125,390
31,543
93,847
Qualified
With record of
INDIVIDUAL REFUND (100%)
Processed through MASSIVE REFUND (1st 50% GS) from Jan-April 2013
Php 488,210,172
53.96%

28. QUALIFIED for the 2nd 50% GS
Identified DepEd Personnel Qualified for Refund of PIA (2nd 50% GS):
93,847
QUALIFIED for the 2nd 50% GS
Dataset
6,916
1,402
1,063
2,696
1,755
Excluded
Deceased
PIA deducted outside MOA period
No PIA after Recomputation
For Review
(if with refundable PIA)
7.37%
86,931
1,535
85,396
Qualified
With record of
INDIVIDUAL REFUND (100%)
Processed through MASSIVE REFUND (2nd 50% GS) in March 2014
Php 443,877,497
92.63%

29. Identified DepEd Personnel Qualified for Refund of PIA:
With the completion of the 1st and 2nd batches of refund (of PIA) by the GSIS, there is a need to revisit the dataset on DepEd personnel previously excluded in these batch runs to determine if they are now qualified for refund of PIA.
We also need to consider the DepEd personnel who continued to be deducted of PIA (for the period July 1997-December 2010) after the cut-off month of November 2012, totalling to 32,844 members as of March 31, 2014

30. Identified DepEd Personnel Qualified for Refund of PIA (3rd batch):
232,355
32,844
265,199
New dataset
DepEd Members qualified for refund of PIA as of Nov 2012
Additional Members
(with deducted PIA after Nov 2012)
122,673
85,396
33,078
4,199
Previously Refunded
MASSIVE REFUND (100%)
INDIVIDUAL REFUND
(100%)
Individually processed refund after the last massive run (March 2014)
64,695
753
63,942
Excluded
PIA deducted outside MOA period
For Review
(if with deducted PIA)
For Refund
(3rd Batch)
77,831
Php 497,519,577.26

31. GSIS: Maaasahan ng Lingkod-Bayan
4/28/2017
GSIS: Maaasahan ng Lingkod-Bayan
Maaasahan ng
Lingkod - Bayan

32. 4/28/2017
Thank you!
Maaasahan ng
Lingkod - Bayan