DepEd NEU Dialogue. 19 November 2013 Baguio City. Atty. Nora M. Saludares Luzon Operations Group
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1 DepEd NEU Dialogue 19 November 2013 Baguio City Atty. Nora M. Saludares Luzon Operations Group
2 Specific initiatives launched to be more consultative more transparent more member-focused Maaasahan ng Lingkod - Bayan 2
3 Improving pension and retirement programs
4 Increased the minimum basic pension to Php5,000 Maaasahan ng Lingkod - Bayan 4
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 5
6 Restored Survivorship Benefit Surviving spouses will now receive pension even if gainfully employed or have other sources of income or pension Prior application for funeral benefit considered constructive notice of application for survivorship Maaasahan ng Lingkod - Bayan 6
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 Disbursed more than 286M to over 45,000 pensioners Maaasahan ng Lingkod - Bayan 7
8 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 8
9 Bringing GSIS services closer to stakeholders
10 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 Opened NCR-Pasig Extension Office 10
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 11
12 Renewed partnership with LANDBANK GSIS expands service reach with LANDBANK s 1,000 ATMs nationwide Launch of GSIS-LBP partnership in Batangas, February
13 Deployed more GWAPS kiosks 13
14 Deployed more GWAPS kiosks 14
15 Improving terms of loan programs
16 Liberalized terms of Php20K Emergency Loan Reduced interest rate to 6% Waived 1% service fee Members flocked to GSIS to apply for EL 16
17 For pensioners: For Members: Emergency Assistance Package for members and pensioners affected by typhoon Yolanda Opened Pensioners Emergency Loan of 20K; with LRI Granted six-month moratorium for existing pension loans Lifted 12 monthly amortization payment before loan renewal for emergency loans Granted a six-month loan moratorium on existing loans; payment to resume in May
18 Increased emergency loan (EL) credit limit, relaxed req ts for Cebu, Bohol, Zambo members 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 18
19 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 19
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 20
21 Enhanced Conso-loan program Beginning September, GSIS waived penalties and surcharges on all renewed and restructured consoloans 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 21
22 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 22
23 Providing responsive service
24 Used e-card in Paying Claims starting Oct 14, 2013 Claim proceeds now electronically credited via ecards instead of checks Ensures timely release of benefits Makes processing twice as fast than traditional check payment 24
25 Increased Employees Compensation benefits Effective 31 May 2013 Increased EC funeral benefit from Php3,000 to Php10,000 Resumed payment of survivorship pension of qualified EC pensioners and dependents Maaasahan ng Lingkod - Bayan 25
26 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 26
27 200 GSIS Scholars for AY 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 27
28 Updating of Records
29 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-inarrears 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 29
30 Updating of accounts (DepEd, DBM, GSIS MOA Signing) 30
31 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 31
32 Posting and reconciliation of accounts 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 Will soon deploy ebilling and ecollection, egsis MO, web-based projects Maaasahan ng Lingkod - Bayan 32
33 Forged partnerships to rationalize functions
34 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 34
35 Transferred art works to the National Museum National Museum now manages more than 300 artworks of GSIS, including the renowned Parisian Life 35
36 Impact of Reforms Maaasahan ng Lingkod - Bayan 36
37 Cited by CSC for improved ARTA ratings in service delivery Branch Office Inc/Dec Bacolod Batangas Bohol Bulacan Laguna Lucena Masbate Palawan Tuguegarao Dipolog Tagum Davao Kidapawan AVERAGE
38 COA unqualified opinion on GSIS s 2012 financial position 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. 38
39 2012 Operational Efficiency 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 Maaasahan ng Lingkod - Bayan 39
40 2014 Directions Proposed amendments to GSIS Charter to institutionalize memberfriendly 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 Maaasahan ng Lingkod - Bayan 40
41 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 Maaasahan ng Lingkod - Bayan 41
42 GSIS: Maaasahan ng Lingkod-Bayan Maaasahan ng Lingkod - Bayan 42
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