GSIS Pension and Retirement Benefits and Programs

The GSIS, Government Service Insurance System in the Philippines has wonderful and worthy retirement programs for all its members when they reached the age of retirement. There are also gratuities and pension benefits to be given for entitled beneficiaries in case the GSIS member died before he reached retirement. That is called survivorship benefits and pension. But in this page, we’re gonna talk about old age pension which focuses on cash pension, lumpsum for qualified retirees. Bonded and knotted with the government, the GSIS and the government have made some laws to best serve and give every government employee what they deserve.

Pensioners and retirees can now enjoy amazing perks the GSIS grants for them like the great convenience of having the GSIS ecard plus you can use anywhere nationwide and globally and the yearly pensioner bonus. It’s now 2012 and I can’t miss to publish this important hub especially to the retired teachers who request about this.

GSIS Retirement Plans: What is Best for You?

The Government Service Insurance System (GSIS) offers five types of retirement programs for all its members who wish to retire and start a new exciting phase of career. Lots of government employees, sad to say though aren’t really aware of what type of retirement plans they’re gonna have... How much pension are they entitled to receive…what are their other options…what are their rights and benefits…I’ve worked in the GSIS, and I know this is true. Lots of government employees who file their retirement applications don’t even know what are those RA 8291. 660 etc. In other words, members lack information regarding their benefits and options. Everyone really must know what kind of life those monthly premiums would bring them in the future or in the call of time. That’s why I created this page. No worries, now you can know what type of GSIS pension scheme that would suit you and best for you. You can compute and assess your pension to each plan available for you. Read on and understand the retirement plan of your choice.

Retirement under R.A. 8291 – a GSIS member have the option to receive a 5 year lump sum or cash payment with instant pension

Retirement under R.A. 660 – known as “magic 87” (retiree’s age plus years in service must sum up 87)

Retirement under R.A. 1616 – you can take all your GSIS premiums and receive gratuity payments from your employer at the same time

Retirement under P.D. 1146 – only those who have been in government service after May 31, 1977 but before June 24, 1997 can avail of this retirement program. It gives you a choice between a basic monthly pension (BMP) and cash payment.

Retirement under R.A. 7699 – known as ‘Portability Law’. SSS years of service plus your GSIS years of service can qualify you for retirement pension.

GSIS Retirement application form

GSIS Retirement under R.A. 8291

A GSIS member have the option to receive a 5 year lump sum or cash payment with instant pension.

Wow! Right? I don’t think you can have that in the SSS. Anywayz, under this Republic Act 8291, the last three years of service of a retiree need not to be continuous. This retirement scheme seems so cool heh. Compared to other retirement program of GSIS, this is the only one that allows you that. So what are the requirements to make you qualify for this very nice plan?

  • You must have rendered at least 15 years of service and must be at least 60 years of age upon retirement.
  • You must not be a permanent total disability pensioner.

And now the very rewarding pension options offered to you if you chose this retirement plan:

Option 1: 5-Year Lump Sum and Old Age Pension

With this, you can get your 5-year worth of pension in advance in a lump sum amount. The lump sum is equivalent to 60 months of the Basic Monthly Pension (BMP) payable at the time of retirement. After 5 years, you will start receiving your monthly pension then.

Option 2: Cash payment and Basic Monthly

Under this option, you will receive a Cash Payment equivalent to 18 times the Basic Monthly Pension (BMP) payable at the time of your retirement and then a monthly pension for life payable immediately after your retirement date. The computation of the GSIS retirement monthly pension for this type of plan is simple.

This is the most common choice of pension plans retirees choose. If you want to put up a business or travel overseas, this plan will be perfect for you. You can use the lump sum amount to anything you desire and just receive the pension for life if not after five years from option 1.

You can watch or listen to the video on the right while reading the rest of retirement plans.

GSIS Retirement under R.A. 660

known as “magic 87” (retiree’s age plus years in service must sum up 87)

This one is amazing! Let’s say you’re 55 and you have worked in the government for 32 years, you can avail this retirement plan. That’s “magic 87” is all about. Now you ask me what are the amazing options for this kind of retirement in the GSIS…here they are:

Option 1: Automatic pension. A pensioner below 60 has the option either to receive automatic pension or a lump sum of one year monthly pension in advance for 5 years. After the 5-year lump sum, they will start receiving their monthly pension for life.

Option 2: Initial 3-year lump sum. To those who are 60 but below 63 years old upon the date of their retirement, they will receive a 3-year lump sum. On their 63rd birthday, they will then receive the subsequent 2-year lump sum. If the pensioner is still living after the 5-year guaranteed period, he shall be entitled to a monthly pension for life.

Option 3: 5-year lump sum. This is intended for those who are 63-65 years old. They can receive a 5-year lump sum of cash upon retirement. After 5 years, they will receive their monthly pension for life then.

Conditions with this pension plan must be met:

  • The maximum monthly pension for those above 57 years old shall be 80% of the Average Monthly Salary (AMS) received during the last 3 years immediately preceding retirement.
  • The Maximum pension for those aged 57 and below shall be 75% of the AMS.

The requirements for this type of retirement plan will be:

1. The retiree's last 3 years of service before retirement must be continuous, except in cases of death, disability, abolition, and phase- out of position due to reorganization.
2. His/her appointment status must be permanent in nature.

3. Must be under the ‘magic 87’ as shown below:


RA 660 a.k.a Magic 87 is summarized on the video at the right.

GSIS Retirement under R.A. 1616

You can take all your GSIS premiums and receive gratuity payments from your employer at the same time

This one sounds so hip, too. With this retirement plan, you can refund all your GSIS premiums and contributions plus you can receive a splendid gratuity payment from your last employer. This is perhaps ideal for those who wish to retire early as long as they meet the qualifications listed below. You can invest a business and take all your premiums. This though does not give you a forever monthly pension just like the other plans.

The requirements for the RA 1616 retirement option are:

  • The retiree must be in the government service on or before May 31, 1977
  • The retiree must have rendered at least 20 years of service regardless of age and employment status
  • The retiree's last 3 years of service before his retirement must be continuous, except in cases of disability, death, abolition or phase out of position due to reorganization.

*** Retirement under PD 1146 and Republic Act 7699 will be added soon...

Retirement Age | When is the Best Time to Retire?

When is the best time to retire really? Is 60 the best retirement age? Someone would say, by the time I’m forty-ish I’ll retire and just travel wherever I want to. After all, life is about pleasure and enjoyment. And few would say, no 50 something is the perfect time to retire. And they say 60 is the best. Someone would object, no way I retire at 60. I’ll retire at 65. I’ll die at boredom without doing something at 60. But then who said about doing nothing after retirement? Hmmmm... What about you…any plans for your retirement? Take the poll and let’s see the majority’s choice.

When is the best time to retire?

See results without voting

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Please post your comments in English. Thank you! 117 comments

justom profile image

justom 4 years ago from 41042

Great hub Fehl!! I'm gonna' sound like a broken record but you write very useful articles. You talk about important stuff with your own twist and I really like that. How've you been? I think I've missed a hub or 2, sorry about that. Talk again soon, Peace!! Tom

teaches12345 profile image

teaches12345 4 years ago

I am looking forward to retirement, but not there yet. This will help prepare for that time. Thanks for the information and detailed coverage of plans. I am sure your hub will help many understand the options available.

twentyfive profile image

twentyfive 4 years ago Author

Hello Justom! How are you my friend? How are stuff with your business? Thank you so much for being the first to comment. Oh you missed my 2 hubs? It's ok Tom, they're here always :)

Hello Teaches12345 :) Please don't ever retire writing informative and useful hubs. I'm your fan forever :) Thank you for visiting. TC

prasetio30 profile image

prasetio30 4 years ago from malang-indonesia

Nice information from you. Thanks for writing and share with us. Good job, my friend. Rated up and take care!


twentyfive profile image

twentyfive 4 years ago Author

Hello Prasetio. Thank you so much for liking this hub about GSIS pension and retirement programs. I know you're a teacher so this is kinda related to you. Bless ya my friend :)

somita 4 years ago

ask ko lang po sana yung father ko po kasi mag retire na ngayon june 2012 his age is 63 and ang na render po nyang service sa manila city hall is 35 years ano po bang retirement program and ma recommend nyo?

twentyfive profile image

twentyfive 4 years ago Author

Hi Somita :) It depends upon your needs. Since your dad is so qualified, you can choose RA 8291. The 2 options under that retirement plan is very good because your dad will receive lump sum or cash depending on his basic monthly pension plus he will receive monthly pension as long as he is alive. Read option 1 and option 2 under the RA 8291 or watch the video beside it to understand it. One more good thing about this plan is that, if your dad died and your mother is still alive, she will receive monthly pension too (also known as GSIS survivorship pension)

Please help and assist your dad in the GSIS because he will receive a lot of cash and benefits. If you need to know the requirements in filing for retirement, you can ask me anytime here. Take care. God bless. :)

somita 4 years ago

Thank you po sa response... big help po sa akin yan... ano po ba ang mga requirements sa retirement? pano po ba ang computation sa basic monthly pension? kung 7K po ang basic salary nya magkno po ang possible na makukuha nya? and ano po ba ang way para mapadali yung process thanks po and more power!

twentyfive profile image

twentyfive 4 years ago Author

Happy to help anyone when I can. :) Requirements for retirement are original and photocopy of the following:

-fill up 2 copies of the retirement application form, some parts are needed to be filled up by his employer/agency (I have posted the link in the article, make sure your computer has Adobe PDF Reader)

-2 valid IDs of the retiree (GSIS ecard, Company ID, or any accepted government IDs)

-Some papers might be requested too in case GSIS needs them like the retiree’s service records, and Statement of Accounts

Just go to the GSIS office with your dad and submit the retirement application form. They will then assist you about the amount of his pension and benefits. Just ask them, only they can assess the amount since your dad’s member’s record is stored in their database. The computation of basic monthly pension is as follows just to give you an idea.

a) If length of service is less than 15 years:

BMP = .375 x RAMC (Revalued Average Monthly Compensation)

b) If length of service is 15 years and more : BMP = .025 x RAMC x Length of service

The way to expedite his retirement claims is to process the application asap and submit the requirements asap too. Don’t forget the Xerox copies of each reqirement. Thank you and God bless.

somita 4 years ago

Thanks so much po....

twentyfive profile image

twentyfive 4 years ago Author

Pleasure is mine :)

Cielo 4 years ago

Hello po! Very informative po ang blog nyo. Gusto ko po sana malaman kung pwede pa po ba mag apply ang mother ko ng retirement benefits kc 2006 po sya nag retire e ngayon ko palang maaasikaso kc nag out of the country ako. S BIR po sya pero she's with the government for 26 years, nag early retirement po sya s BIR 50yrs old sya. Thanks!!

twentyfive profile image

twentyfive 4 years ago Author

Yes just go to the GSIS office and let them assess your Mom's qualifications to retirement and pension benefits. Bring some supporting documents like her GSIS ecard plus, her certificate of retirement, service records and other papers GSIS requests.. Much better if you bring your mom with you.

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petals31 4 years ago

hello...gud am..this is in relation to the query of SOMITA about the requirements on retirement. you have shown the computation of the basic monthly pension of her father. can you also show how to get the RAMC (revalued average monthly compensation) kung 7K po ang basic salary nya? thanks po and more power!

twentyfive profile image

twentyfive 4 years ago Author

the RAMC is given and assessed by GSIS itself, it cannot be computed right now in real time and can only be done by an employee in the claims and pension department. They use SAP system which is amazing. All member's records are feed by the amazing computer system they use. You can request a tentative computation of your retirement pension at the GSIS office in your region

JSL 4 years ago

I am presently a government employee and my retirement is on October 2013. By that time, I would be 65 years old. I was hired January 2000 and to this date, still connected in the service. Puwede po ba ako mag-request ng extension of service under my present employer to complete the minimum requirement of 15 years service. If my request for extension is denied, what is the best option plan for me in retiring. When I reached 60 years old, I filed retirement pension in SSS and I was granted and receiving now SSS pension. Is the rule on PORTABILITY LAW still applicable to me. Your blog is very informative. Thank you & GOD BLESS.

twentyfive profile image

twentyfive 4 years ago Author

Yes you may try to request extension service to qualify for the requirement of 15 years. At least you will know if it's possible. If they didn't extend you, you may apply for the Portability Law option. You need to submit the requirements for that including your SSS pension records. That way, your pension will increase when it combines SSS + GSIS in one retirement plan.

I admire you for still working at age 60ish. That is awesome! Please take care of yourself and enjoy the fruits of your labor now while you're still strong. Take time to relax and travel. :)

ommar 4 years ago

tnx for the valuable infos....

by the way my father is 15 yrs in service last aug 2012 and plan to retire by Nov. 14,2012, sa 8291 qualified po sya. ask ko lng po if pwd bang on 1st week of Nov. ko lng file and retirement nya?kasi po malayo kami sa GSIS wherein malaki po gagastosin namin in fare at pagkain.complete po kami sa requirements, no problem...

twentyfive profile image

twentyfive 4 years ago Author

Yes I think you don't have a problem with that as long as your requirements are complete. your father must be present too. God bless and take care

twentyfive profile image

twentyfive 4 years ago Author

@Nancy who asks about her dad's application - you can make a follow up about it by calling the GSIS branch where you applied the retirement benefits. I know GSIS will send you a letter about your application and if there are checks released, they will mail you too. If it's taking too long, just contact GSIS.

To EVERYONE - I can only accept comments written in English from now on. Thank you.

julieta lacay 4 years ago

Is it true that starting next year the basis for the computation of the retirement benefits of teachers is the average of their salary ten years ago to present?

twentyfive profile image

twentyfive 4 years ago Author

The truth is I've never heard of that announcement yet. If there is really such change of retirement computation, they will announce it publicly and there will be news on TV and other media publications. Such change requires a law and before it will be implemented, the president will sign it first and then it will be announced to everyone including teachers and the DepEd. Our teachers deserve the best that is what I'm sure of :) Cheers!

julieta lacay 4 years ago

Thanks for the information. God bless!

Joel 4 years ago

i am the beneficiary of my dad's retirement pension. he gave me the gsis ecard. he is already bedridden. he is receiving his monthly pension thru atm every 16 - 19th of the month. but its already oct22, and there are no cash in the atm. where will i ask for the reason why there isn't any pension for this month. will i need to go to gsis and transfer the amount to the atm? i need you to enlighten me sir/ma'am. he retired about 5 yrs ago. he should be receiving his monthly pension thru atm. Would the ecard limited to be withdrawn and inquired to union bank only? Coz i am inquiring at the atm in metrobank.thank you.

twentyfive profile image

twentyfive 4 years ago Author

@Julieta You're welcome :) God bless you too.

@Joel If you are sure there were no funds entered for the month, you can go to the GSIS branch that handles your Dad's records and report the stopped pension. My grandpa's pension also stopped last August and I went to the GSIS to ask bout it. I discovered it was tagged..and the employee told me there were some overpayments so they tagged it. It will resume after the amount went balance again. Just proceed to the GSIS because banks only follow the GSIS system for those accounts

Joel 4 years ago

Thank you very much for the info. you're a big help.

twentyfive profile image

twentyfive 4 years ago Author

It's a pleasure :) God bless you!

justo enterna 4 years ago

good day! this in relation to julieta lakay's concern on gsis pension computation from last 3 years to 10 years.i was able to attend a pre- retirement seminar conducted recently by our local hrmo with the gsis officials.yes, they confirmed the rumor that it is now in its 3rd reading in the house of representative.however, they never told us who authored this law so that we can have a hand to the way, i planned to retire soon cause i am 60 years this coming december.i hope you vould help us onthis matter.thank you and don't stop in giving us useful info to lean on in our old age.

twentyfive profile image

twentyfive 4 years ago Author

It's sad that they don't publicize that kind of information. Lots of people need to be informed. I just wish they would create a law beneficial to all retirees and teachers

Anna 4 years ago

I have a friend who has cancer and is dying. She is a government employee and have been in service for almost 18 years but has incurred leave without pay due to her illness. Could she avail of an early retirement or any kind of benefit from gsis so she could use the money she would get for her medicines and other needs. Please help me, thank you and God bless you!!!

faith 4 years ago

His, how long does it usually take for a new retiree to receive her retirement benefit?

twentyfive profile image

twentyfive 4 years ago Author

@Anna I'm so sad to hear that about your friend's sickness. It is best if anyone from her kin or close kin to inquire about her applicable benefits. Bring her GSIS ecard, your valid ID, her medical certificate and discuss about the benefits she will be entitled. GSIS will then assess her records. You will have to look at her records before you know the benefits she could avail or whether she may be entitled for early retirement. God bless you both :)

@Faith As soon as he reach 60. The date will be shown at the paper they will issue you when you filed for it...together with the amount of pension. You will have to update your ecard to receive that pension

rany of sor city 4 years ago

is survivor pensioner entitled to a 13th month bonus

petals31 4 years ago

i have a gsis ecard plus...but i was not yet enrolled in the gsis umid ecard. is the gsis umid e card required during filing for retirement?

twentyfive profile image

twentyfive 4 years ago Author

@Rany yes all pensioners are entitled for that

@Petals you are fine with the ecard. The Umid is just another option. Yes, the ecard is a major requirement because it serves as your GSIS ID.

mary ann 4 years ago

Is it true that by the year 2014, optional retirement shall be 55 while forced retirement becomes 60? I plan to retire early so I could spend time with my children and their families in other country where they are staying.By the year 2014, I 'm turning 55.I'm a school principal for more than 5 years and heave been employed in public school for 20 years. How true is it?

Robert 4 years ago

when will the pensioner entitled to a 13th month bonus

mark 4 years ago

Thank you for the info.,. I just want to ask if gsis retirees will receive a bonus during christmas? ty

twentyfive profile image

twentyfive 4 years ago Author

@Mary Ann that news will stay as rumor until there is a law approved already. You can retire before 60 under the Magic 87 retirement option. Read it in the article or watch the video.

@Robert they give bonus in the form of Christmas gifts

@Mark yes they always receive Christmas bonus every year. Happy Holidays!

leslie 4 years ago

Ask ko lang po if yung retiree is nag claim ng 5 years lump sum. entitled po b siya sa 13th mo or bonus? thank you po.

fhely 4 years ago

Good day to everyone,Just wanna ask about my Uncle, he work as a Forestry way back 1955 and he Retired 1967 and he is planning to file for a Monthly pension,Do you think he's qualified to claim his monthly pension.please help us..your reply is highly appreciated.

many thenks,


twentyfive profile image

twentyfive 4 years ago Author

@Leslie If I'm not mistaken, all pensioners are entitled for bonus and I think they give them when the pension starts every December in your case after the 5 year-lump sum

@Fhely please read the retirement plans to know if he is qualified and I suggest he goes to the GSIS branch near you and have assessment as to what he is entitled from his case 4 years ago

I am a govt employee and retired 2011. last sept.2012 I surrendered my policy contract to GSIS but until now it was not released why so long and who will I approach thanks

Bart 4 years ago

Good day! I would just like to ask how long it usually takes to process from submission of requirements to start of pension. Thanks in advance.

twentyfive profile image

twentyfive 4 years ago Author

@Lagmayjamecia hi :) I suggest you contact the claims department and follow up about your policy. Have a great day!

@Bart it depends on the retirement option the person chose and the availability of the requirements. Filing and submission is fast nowadays like you can follow up about your application after 3 days. If your pension will start, you need to have the ecard and it takes about 5 minutes for that (assuming there is no long line or a line). My grandma received her ecard after a month but I think it's faster now.

eljun1948@yahoo.comI 4 years ago

Is an S SS pensioner can still avail of the Portability Law for GSIS retirement?

twentyfive profile image

twentyfive 4 years ago Author

If he is already a pensioner, I'm not so sure. All I know is that Portability equals SSS plus GSIS creditable year of service. Please go to the SSS to know more. 4 years ago

I am a government employee and I retired last May 1, 2010 at the age of 50. What kind of retirement benefits do I have to apply? I am so confused with PD 1146 (Monthly annuity and Lump sum of 60 xBMP and BMP after 5 years) Can you explain further? Thank you

pm883 3 years ago

hi good afternoon. I'd like to ask about my mom's case. She's been a govt employee since 1994. About 2 years ago, she suffered from mild stroke, she hardly can work very well but she still decided to continue working. but right now, we think she's not anymore fit to work. how do we apply for disability retirement? she'll be 51 this year. thank you so much. i hope we can receive your comment.

Franz 3 years ago

Hi, my dad retired last dec 2009 at the age of 60 and opted for option 2, 18mos lumpsum and automatic pension thereafter, he would like to know when he will be eligible to receive the yearly bonus given to gsis pensioners. Thanks!

Angel 3 years ago

Hello! Good day po Madam. My concern is about my dad of what he could claim from GSIS. He is a PNP retiree (optional retirement under PD 8551). He started in service in 1975 and retired in 2001 with 26 years in service. He just turned 60 years old last year, December. What benefit ( the most beneficial) he could get from GSIS, and could he avail of a pension? Thank you.

Gaya 3 years ago

Re-electionist Sen. Alan Peter Cayetano authored the law changing the basis for computation of retirement pension from average of last 3 years of monthly salary to last 10 years. The implementation of the law has been held in abeyance this 2013 and shall be implemented in 2014. Sana naman hindi inapprove in PNoy. Kawawa naman kaming mga magre-retire. matanda na binawasan pa na pambili ng gamot.

somita 3 years ago

hi. ask ko lang po sana my father filled a retirement and hanggang sa namatay sya di pa nya nakukuha. ikakaltas pa din po ba yung utang nya sa benefits na makukuha nya? thanks

Irene 3 years ago

Hi..Can I retire once I have completed 15 years of service at the age of 58? What benefits will I receive?

Raymond A. Agbisit 3 years ago

Hi..i just want to ask why we are not receiving any monthly pension from your office already for the past 3years i think...this pension we are getting is from my dads death...he died oct. 14, 1980...he is a teacher...

Edna Jaranilla 3 years ago

I have been in service July 15, 1981. I'm planning to retire. I was born on October 22, 1956.What retirement program is best for me?

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vic23 3 years ago

h! twentyfive my mom is a teacher she died on march 1 2013 she is on the service and she applied her retired in the ombudsman last year 2012,then after i completed the requirements for the death benefits and her survivorship, the employee said in the GSIS you cannot claim your mother retirement cause she didn't apply for the retirement before she died,but she is already applied her retirement on the ombudsman she is 36 to 38 years in the service ,what is this? what is the rule of GSIS about this case, i think this is not fair... hope you answer my concern ....

tap 3 years ago

nagworked po ako sa isang government co. for 35 years however nang mag retire ako dun p lng namin nlaman n may utang ako at d pla ako nakakaltasan. makakakuha p b ako ng pension? salamat

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yzzat 3 years ago

Hi, my father was a retired police. he has been in service about 34years. can you please gave me the best retirement benefits for my dad?

ALETA P. SOLIMAN 3 years ago

How do I avail of the Portability Law RA 7699? I worked in private firms for more than 2 years (accumulated from 1975 to 2003) then from 2004 to 2013 with the government... where will I apply? thanks!

Abby 3 years ago

I have been a government employee for 18 years. I was forced to retire kc po paubos n vacation leave ko hanggang dec 12, 2013 n lng daw po. Di ko po kc maayos ang retirement ko kc nasa ibang bansa po ako ngayon. Pwede po b mag assign ng authorize representative ko para mag-asikaso ng pagpaprocess ng retirement ko? Or pwede po i-delay at ackasuhin ko n lang po pag-uwi ko ng june 2014?

Shiela Riva 3 years ago

Hi! My father was a retired Fireman...He said his a regular member of GSIS. Can he possibly get his pension? What is the best thing to do? Please do reply. Thank you!

shine 3 years ago

Will the gsis give xmas bonus this year to retirees?

aiustha 3 years ago

Hi. Thanks for this. Just like to ask : What if the # of years in service + age is more than 87, can you still apply for retirement plan under RA 660?

melly 3 years ago

good day! i need your advice regarding my retirement application last sept. 30, 2013 that until now my papers still pending at gsis catarman, i need very badly for the reason that i had still students, i have no salary already to sustain our daily needs.

Bernadette Garcia 3 years ago

Hi. Good day!

My mom, 86 yrs old now, arrived from the US a year ago. While she was there, she still receives her pension through the ecard. However, every year, too, my sister has to call GSIS Philippines assuring them of her status.

My mom is already back in the Philippines for good. What shall I do to assure that her pension will continue.

I also tried applying for her lifetime Phil Health membership but they are asking for her retirement records which they said should be available from GSIS. How can I secure a copy of this record?

Can I process both concerns, pension and retirement document at your Quezon City office in Mindanao Ave.?


Mars for former OCWD employees 3 years ago

What laws cover us? Is it possible to UNDO what has been DONE? What can we possibly claim? BACKGROUND: Under SSS coverage since 1977, Supreme court decided all Water districts are GOCCs in 1992 and all regular employees who are not Civil Service eligible cannot be removed by virtue of their decision, then we were covered by GSIS from 1992 to March 31, 1997 (5 years)coz OCWD was privatized together with SBMA Utilities, DMCI and Biwater (a British company) by April 1, 1997, the former OCWD subsequently dissolved and transferred ownership to Olongapo City government which sold its shares to DMCI last June 8, 2012, low premium under SSS and loans were deducted when the amount was turned over to GSIS, the GSIS wants to just refund the contributions, some OCWD employees have died, retired, disabled, sickly without the benefits due them if any, while the case is on going for 22 years and without definite date when the members can ckaim.

angie 3 years ago

hi just want to ask di ba po the law right now required GSIS to release the retirement 30 days upon the retirement date of the retiree bakit po until now wala pa din retirement benefit ng mother she retired last SEPT 1 , 2013 pa ano pong petsa na ngaun she's stroke patient po... ako po nag asokaso ng papers nya until now wala pa response GSIS pls help us my mother really needs it...

Cristina beltran 2 years ago

Hi sir Goodevening po , ask ko Lang po kung pde pa po iffollow up yung Lola ko kse yung asawa nya po namatay nung 2004 , bale po GSIS member po yung lolo ko , 55,000 Lang nkuha nila since namantay po sya 29years po sya nagtrabaho . namatay po kse say sa tugegarao dun po sya naasign pumunta na po kse yung lola ko sa GSIS Office parang di naman po naasikaso sbe po kse dun wala nadaw po sya makukuha ! ask ko Lang po di ba po may pension sya monthLy since after 5 years namatay po sya ? thanks po and more power po sa inyo.

carmelita 2 years ago

i worked under Deped for 13 years, from aug 1965 to 1978. now i am 70 years old . can i receive pension from the GSIS? 2 years ago

Good day sir. I would like to know if we would just accept the advise from GSIS that we would not receive any retirement benefit for my father who passed away almost one month before his 60th birthday. Is it really true that more than 30 years of service as laborer for DPWH plus his age of 59 is not enough?Thank you sir in advance...

consuelo bernardo santos 2 years ago

ask ko lang po,gsis pensioner ang ama ko at patay na po cia sa age na 83yrs ol,may 2nd wife cia at hndi nia dineklara sa gsis na beneficiary ito. may karapatan ba ito na mag claim ng burial at lump sum ng ama ko.

ernest 2 years ago

maam/sir just wanna ask something about the death benefits of my mom who past away lastaugust 2,2014..she started teaching in there a lump sum benefits given..tnx..hmn any expected amount pls.she is a level3 teacher

wilfredo perez calimlim 2 years ago

Sir, Madam good day po. Nag file na po ako ng Retirement claim for Old age Pension under PD 1146 last June 24, 2014. Nag 60 years old na po last Sept 15, l954. Sir, Madam gusto ko po sana maloaman kong kailan ko po matatanggap pension ko po. palagi po akong nag pa pa follow up sa GSIS Dagupan City subalit palagi pong sinasabi wala pa daw po at yoin uuwi na naman po ako . Gumagalang RET PNP OFFR Wilfredo Perez Calimlim.

Jnewson 2 years ago

How long does it takes in processing the optional retirement?i submitted my papers last Sepetember 15 , 2014, then till now no idea if it is approve or not...

Tang Kanor 2 years ago

Jnewson, you can call and follow up in their GSIS hotline number...

emelinda a.alba 2 years ago

As a gsis retirees, amI entitled to a 13th month pay and cash bonus? I retired last May 2, 2012.

twentyfive profile image

twentyfive 2 years ago Author

If you are already a GSIS pensioner, yes they give 13th month bonus every year

Sylvia 2 years ago

Hi my friends 5 year lump sum benefit has elapsed how will she receive the monthly pension. She has no ecard yet

monet 2 years ago

Gud am ask ko lang po dun sa mga retieries n nag pepension kung kelan ibibigay ang bonus nila kc po n receive n ung pension nia yet alang kasamang binus eh dati nman kasabay n ng montjly pension nila

wilmz 2 years ago

Are all gsis pensioners entitled to receive a 13th month pay(bonus) ?

mars 2 years ago

Great pm. Sir/mam just want to ask if there are requirements needed since my mom already turned 65yrs old last dec 3 and her lumpsum benefit will start on feb2 since she is still livingwhat documents will she get or is she going to receive her pension automatically without personal appearance?

mizpah 2 years ago

Hello! Nagturo po ako as permanent teacher s a DepEd since June 4, 1997 hanggang ngayon. Pero Gusto ko na pong magmissionary work at iwan na ang pagtuturo. Kung aalis po ako sa service at age 40, may makukuha po ba ako sa GSIS? Maraming salamat po.

jun 2 years ago

15 years n po ako in service but i plan to resign n kc pupunta n ako abroad at age of 37 may mkukuha po b ako s GSIS? 2 years ago

Hi... Good morning!!!

I am already in my 17 years in the government service and I want to file my early retirement for some reasons. How much maybe is my government service benefits? How it will be computed? Thank you very much...

pangako19 24 months ago

Hi there,

GSIS Tuguegarao is delaying the release of my mother retirement fund. They keep asking the non-pendency of case for. She has submitted two of these because every time, they are telling her it gets outdated. My mom left them a form before she left for NZ last January. She thought they will finally process it as they promised "within two week" and they will call to confirm but they never called - my aunt went to follow up and they told her she needs to present a new non-pendency form once they call her. They never called back and now it's March . why is it taking so long? My mom had 42 years of service as a dedicated midwife. She's still in NZ now and she wants to go home to follow-up her case herself but she is unwell. I am afraid that the stress of this issue will harm her further. Please help, does GSIS needs us to resort to red tape, how shameful!!

anne 24 months ago

Hi.. Good day to you? If I want to retire early Im in my 17th year in the government office Im 51 and I want to retire early for some reasons... just want to ask if I can get my government service benefits right away after I completed my documents what I mean if I can pass all my papers needed/requirements for the early retirement can I get my government service benefits? Or I have to wait until 60 years old... thanks

jr 24 months ago

is the march 8, 2015 gsis e-card pension available already? since march 8 falls on a sunday

Romnick 23 months ago

hello, my dad wants to retire at the age of 58. He is a government employee for 25 years. What would be his benefits if he will retire at 58?

michelle 23 months ago

my aunt receive a lump sum payment of 5 years.after receiving the lump sum. she have no idea if she is entilled to have a monthly pension. is it possible for someone who work for 25 yrs of service.

Cynthia 23 months ago

I am planning to be demoted from salary grade 12 to salary grade 6. I am in the government service for more than 23 years now. How will it affect my retirement benefits? Am I going to receive all my premiums and contributions? And how much will be my monthly pension?

alanis 23 months ago

Hi ask ko lang po. Mga ilang weeks po kaya bago matapos ang process sa nagretire pra mka claim? Thanks

Mailyn Verso 22 months ago

Hi! My father retired last year at aged of 65.. I just want to know if he can claimed his pension earlier than what he filled? Hes undergoing maintenance for his health. On the form he signes before it is said that pension will start 5 years after his retirement.. meaning at aged of 70..can he still change it? if so, how? and if not is it trnsferrable? thanks

antonia arizabal 22 months ago

I have been a GSIS pensioner since I turned 60 yrs. old in 2001. My question is: Except for the yearly cash gift, how come, I do not get a raise in my monthly pension? Earlier, I used to get a raise but since the cash gift, I have not been given a monthly raise. Does the cash gift takes the place of the monthly pension raise?

angelupedirclutario 20 months ago

Hi po, tanong ko lang po kung totoo yung nabalitaan ng mama ko..Ang mama ko po kasi nagretired na then naglump sum po sya.I just want to ask po kung totoo na magkakaroon daw po ngyon ang retirees ng pension? thank you so much po

Edgardo Valladolid 20 months ago

I have been in the INP service since 1981 (Oct 16) and retired as PNP Officer last 2011.Since were being cut off with regards to the inclusion at the GSIS and forced to surrender our membership certificate , i dont have any information on the said benefits and i am unsure if i incurred the 15 years service membership.Now how do i know if I am qualified? or supposed i have not reached the said 15 years and only 14 years , Am i qualified to claim for an old age pension? and what possible help will be offered to me by the GSIS? I learned this only this month. I'm going to be 60 this coming September.

Heminia Mendiola 18 months ago

I want to retire early..I am 55 yrs old and 20 yrs in service..Please give me the add

FERRER, BELLA BAYAN of DSWD- Field Office I, San Fernando City, La Union 18 months ago

I filed my retirement/separation from service last August 12, 2015(second week of August) and my retirement effected on August 17, 2015. I was informed upon filing that I can receive my claims after two weeks, but it remains on process as of this date. Please facilitate my claims, since I am leaving the country on Sept. 8, 2015 and I will be out of town already on September 7, 2015

Rosalinda 17 months ago

I understand that GSIS pensioner are entitled to 13th Month bonus every year. What is the basis of the computation - the AMC or is the amount of bonus the same for all pensioners/retirees?

Marie 17 months ago

Good morning po. Mag expire na po ang lump sum pension ng asawa ko this October 2015 at ang kanyang old age pension at mag start this November 2015. Ano po ang mga requirements to follow up his old age pension? At kelan po puedeng lakarin ito..

. Salamat po.

Ana Zenia 17 months ago

Hi! I'm 63 years old and based in Cebu. And the last government employer I had was the Dept. of Educ. Regional office in San Fernando, Pampanga in 1992. Do I need to personally go to this office for the signature of the endorsing officer? With this age of technology, I believe if we can prove we are the person we are saying we are, every time a name, a birthday and perhaps a mother's name are typed on the website, the complete record should come out like magic....just thinking out loud. Going back to the question, is it ok to just mail the endorsement form to the office addressing it to the regional director? ...considering my bulsa and mga tuhod...Thanks for this HubPages...and thank you for your response!

jong pallon 15 months ago

my mom is a govt. retired teacher she still entitled of hospitalization benifits.of GSIS?

jun 13 months ago

Good day po, ask lang po ako if i am going to qualify for an early retirement, 15 years of service in a public school, then age ko po ngayon ay 37 years old.

yeun 13 months ago

my husband will be 58 this coming April and was an instructor in Tarlac State University from 1983 to 2005. he filed a vacation and went abroad and hadnt reported since then. we are staying now in Baguio and he had a stroke last January of 2005. He did not resigned officially and maybe considered AWOL. he had a 17 years contribution to GSIS, is there any benefits for him?

Eden 13 months ago

Sir/Madam, my husband Robert M.Magadang ,will be 55yrs.old this April 2016, He rendered services Kalinga National High School, Bulanao, Tabuk, Kalinga.Now he filed his early retirement to GSIS Regional Office at Tuguegarao, City. I just wanna know the total computation of his pension benefits, waiting your response or approval of my request. Thank you very much and God Bless .

dionnel 11 months ago

Greetings! i had the chance to learn about magic 87 though your blog my question is am i qualified to that option if i retire at 55? my length in service then would be 33. Thanks and God bless!

Trival 10 months ago

Hi po.. ask ko lang po kung ano ano po benefits makukuha kasi po ung mother ko is a public teacher she is 61 years old and 36 years in service pumanaw na po sya ng di pa naauz ung retirement requirements.. pede pa po ba ihabol un?makukuha pa po ba namin ung sa retirement?.. at ano ano po ung mga benefits na makukuha.. Salamt po ng marami..

Eddie 10 months ago

Good day! What if the pensioner (ex Govt employee) wishes to migrate in America and eventually become a citizen, is she still entitled for the pension?

Edivilla Apos Hänel 9 months ago

Mag inquire lang po ako, regarding Survivorship benefits. Actually I am Edivilla Apos Abuton in my GSIS membership information. But I married again with a Foreigner and actually living in Germany. In my beneficiary, it was my son that was written as beneficiary, since my husband left us when he was yet very small, but then my husband died, so i was able to remarry. My question is, can my son enjoy the survivorship pension even if he is not dependent anymore.... or only the legal husband. If it is the legal husband only, can my second husband enjoy that survivorship pension? There is also problem in my records since it was not yet change to my present family name. what shall i do about it, since I am here in Germany and will only have my renewal thru video conference in Skype. Please enlighten me about this matter. Thank you very much.

Rizza 7 months ago

Hello,I was a secondary public teacher and teach for fourteen years.I resigned Dec. 2008 migrated to Canada.I am now 59 years old.Could you please give me all tha informations on how can I apply for retirement .I'm planning to go on vacation next year and likewise work for my retirement pension.

Thanks a lot.


marielou r. manreal 7 months ago

good day! I am 60 yrs. old and serving the government for 30 yrs.. When is the right age for me to retire to get the maximum rate (90%) in the computation of my pension or retirement pay?

Pinky 7 months ago


Pardon me to inquire , how many percent of my salary i can get if i will retire at the age of 63 with my 26 years of service rendered as administrative aide 111 thanks . GOD bless and More Power!

divina 6 months ago

i just want to ask if i am qualified to file my retirement under tne magic87...i will be 55 years old on march 2017 and june 2017 will be my 32nd year in the teaching profession, however, i started my teaching career on june 1985.

marly 4 months ago

i just want to ask if my sister's contribution for 2 years will be refunded? She is now living in other country for good...Thanks and God bless! 2 months ago

Gensan GSIS told me that Iam supposed to receive Bonus upon my resume to pension after 6 yrs from Sept. 11 to Oct. 1, 2016. I only received SDept.Oct. Nov. & Dec. Pensions....NO BONUS.....WHY, Gensan GSIS? Pls. reason out why?

LEN 2 months ago


I am 20 years in the govt. but i am only 46 years old, I want to apply for an early retirement. What P.D.retirement po is best for me?

TARCILA Q. CATRAL 9 days ago


my husband retired from PNP service last 2007, and GSIS -GENSAN told him that he claimed already his benifits for R.A 1146. all his loan unpaid was deducted from his cliam under RA 1146. GSIS-GENSAN told him that he cannot claim RA7699 ..I thinlk RA 1146 is different claims from RA 7699.

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