deped neu dialogue - wordpress.com conso-loan ... p4k loan to all active members regardless of...
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DepEd NEU Dialogue
19 November 2013
Baguio City
Atty. Nora M. Saludares
Luzon Operations Group
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2
Maaasahan ngLingkod - Bayan
Specific initiatives launched to be …
more consultative
more transparent
more member-focused
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Improving pension and
retirement programs
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4
Increased the minimum basic pension to Php5,000
Maaasahan ng
Lingkod - Bayan
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5
Revoked the personal appearance
requirement for pensioners (ARAS)
Pensioners no longer required to visit GSIS for status renewal
* except those living in ARMM, abroad
NSO to determine pensioners’
status
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6
Restored Survivorship Benefit
Surviving spouses will now receive pension even if
gainfully employed or have other sources of income or
pension
Maaasahan ng
Lingkod - Bayan
Prior application for funeral benefit considered constructive notice of application for survivorship
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7
Revived payment of proportionate pension
Retirees’ pension now computed proportionately
from retirement date unlike before when pension was
paid a month after retirement date
Retroactive from Sept. 2009
Disbursed more than 286M to over 45,000 pensioners
Maaasahan ng
Lingkod - Bayan
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Holding of pre-retirement
counseling seminars
Held monthly at GSIS central and field
offices
Discuss various retirement modes; how-to’s
on computing retirement claims
Help choose the most beneficial retirement
option suited to lifestyle
Maaasahan ng
Lingkod - Bayan
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Bringing GSIS services
closer to stakeholders
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10
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 DepEDCentral Office in Pasig
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11
Established 35 service desks nationwide
For wider reach, GSIS has deployed 35 service desks in local government offices nationwide since March this year.
Desks accept loan applications, serves walk-in members and pensioners, transmits loan applications and forms to branch offices for processing
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12
GSIS expands service reach with LANDBANK’s 1,000 ATMs nationwide
Renewed partnership with LANDBANK
Launch of GSIS-LBP partnership in
Batangas, February 2011
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13
Deployed more GWAPS kiosks
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Deployed more GWAPS kiosks
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Improving terms of
loan programs
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16
Liberalized terms of Php20K Emergency Loan
Waived 1% service fee
Reduced interest rate
to 6%
Members flocked to GSIS to apply for EL
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17
Emergency Assistance Package for members
and pensioners affected by typhoon Yolanda
For Members:
Lifted 12 monthly amortization payment before loan
renewal for emergency loans
For pensioners:
Opened Pensioners’ Emergency Loan of 20K; with LRI
Granted six-month moratorium for existing pension loans
Granted a six-month loan moratorium on existing loans;
payment to resume in May 2014
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Members with outstanding EL balance:
1. Higher credit limit of P40K
2. allowed to renew even without the required 12 monthly amortization payment for previous loan
Increased emergency loan (EL) credit limit,
relaxed req’ts for Cebu, Bohol, Zambo members
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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)
Maaasahan ng
Lingkod - Bayan
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20
Provided easier settlement of loan balance
for retiring members
Empowers retirees on how to settle outstanding
obligations, in whole or in part
No more forced deduction of housing loan from
retirement benefits
Separate collection facility for housing loan
Maaasahan ng
Lingkod - Bayan
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21
Enhanced Conso-loan program
Beginning September, GSIS waived penalties and
surcharges on all renewed and restructured conso-
loans of active members that are due and
demandable.
Retiring members will be charged 6%
penalty/surcharge per annum, if the last conso-loan
is due and demandable.
Maaasahan ng
Lingkod - Bayan
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Opened Educational Assistance Loan
P4K loan to all active members regardless of salary grade
5 years to pay
P20 monthly amortization only
Maaasahan ng
Lingkod - Bayan
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Providing responsive service
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Claim proceeds now
electronically credited via
eCards instead of checks
Ensures timely release of
benefits
Makes processing twice as
fast than traditional check
payment
Used e-Card in Paying Claims starting Oct 14, 2013
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25
Increased Employees’ Compensation benefits
Effective 31 May 2013
Maaasahan ng
Lingkod - Bayan
Increased EC funeral benefit from Php3,000 to
Php10,000
Resumed payment of survivorship pension of
qualified EC pensioners and dependents
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Settled claims of Paz Memorial Plan holders
Resumed engagement
with Paz Memorial to
render services to 1,800
fully-paid and active
plan holders.
Offered Prudential Life
Plan holders an exit
mechanism, to recover
up to 150% of contract
price
Maaasahan ng
Lingkod - Bayan
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200 GSIS Scholars for AY 2013-2014
Enhanced Scholarship Program
• Allowed low-income members to
send children to school
• Exclusive to children of GSIS
members
• Php20,000/semester
• Php2,000 monthly stipend
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Updating of Records
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Restored full benefits of nearly 800,000 members
through MOAs
144 suspended agencies signed agreements with GSIS which
restored loan privileges of 798,130 employees (as of Sept.
2013)
Included DepEd’s 784,602 personnel whose premium-in-
arrears were finally updated after the signing of a historic
agreement among GSIS, DBM and DepEd in September 2012 in
Malacanang
Made possible by DBM’s payment of Php3.46 billion (50% of
total Php6.92 billion) representing unpaid compulsory
premium contributions of DepEd-government share.
Maaasahan ng
Lingkod - Bayan
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Updating of accounts
(DepEd, DBM, GSIS MOA Signing)
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Non-Suspension of Loan Privileges of
Employees in Suspended agencies
Employees working in agencies that are delayed, deficient in
premium payments will no longer be suspended beginning
July 2013
Suspended agencies may choose from any of 3 options to
restore regular status:
1. Full payment of premium delinquencies;
2. MOA with GSIS; and
3. Payment of at least 90% of any 3 consecutive months’
premium obligations; sign undertaking with GSIS to
enter into MOA.
Maaasahan ng
Lingkod - Bayan
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Posting and reconciliation of accounts
• Will soon deploy eBilling and eCollection, eGSIS
MO, web-based projects
Maaasahan ng
Lingkod - Bayan
• Formed Reconcilement Task Force
• Issued Statement of Loan Accounts (SOLA) to
members aged 59 y/o and above in DSWD and
DOH in NCR as pilot areas; soon in key provinces
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Forged partnerships to
rationalize functions
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Rationalized home lending program
Php5-B for home
lending to GSIS
members through
Pag-IBIG Fund
Loan facility fully
utilized by more than
8,500 government EEs
Maaasahan ng
Lingkod - Bayan
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Transferred art works to the National Museum
National Museum now
manages more than 300
artworks of GSIS,
including the renowned
‘Parisian Life’
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Impact of Reforms
Maaasahan ng
Lingkod - Bayan
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Branch Office 2012 2013 Inc/Dec
Bacolod 71.03 91.57 +20.54
Batangas 53.29 89.12 +35.83
Bohol 71.54 93.28 +21.74
Bulacan 59.74 90.00 +30.26
Laguna 68.34 93.01 +24.67
Lucena 55.91 89.10 +33.19
Masbate 67.77 90.34 +22.57
Palawan 76.96 89.35 +12.39
Tuguegarao 70.18 89.28 +19.10
Dipolog 71.05 81.48 +10.43
Tagum 58.05 89.51 +31.46
Davao 76.71 85.57 +8.86
Kidapawan 78.81 88.20 +9.39
AVERAGE 67.64 89.22 +21.68
Cited by CSC for improved ARTA
ratings in service delivery
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An unqualified opinion means COA
believes that GSIS’S the financial
statements are sound and are presented
fairly "in all material respects".
Second time in a row that GSIS has received
an opinion.
COA unqualified opinion on GSIS’s
2012 financial position
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2012 Operational Efficiency
Maaasahan ng
Lingkod - Bayan
Php93.2 B in total comprehensive income
Php63.6 B disbursed for social insurance claims (retirement, pension,
disability and funeral benefits)
Php37.9 B in various loans which benefited more than 2.1 million
borrowers
Php930 M in dividends
Php1.8 B in cash gift
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Maaasahan ng
Lingkod - Bayan
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
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Maaasahan ng
Lingkod - Bayan
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
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GSIS: Maaasahan ng
Lingkod-Bayan
Maaasahan ng
Lingkod - Bayan