GSIS Home Active Members Benefits Employees Compensation

The employees compensation benefit (or disability benefit) is a compensation package for public and
private sector employees and their dependents in the event of work-related injury, sickness, disability
or death.

EC is a purely employer-based contribution benefit. Thus, employees do not contribute any amount to
the program. GSIS administers the employees compensation (EC) fund as provided for under Presidential
Decree No. 626.

Benefits.
Medical services, appliances and supplies;
Rehabilitation services;
Temporary total disability benefit;
Permanent total disability benefit;
Permanent partial disability benefit;
Death benefit; and
Funeral Benefit
Beneficiaries. In case of death and funeral benefits, the beneficiaries may either be one of the
following:
1. Primary
Legitimate spouse until he or she remarries
Dependent children (legitimate, legitimated or adopted, and illegitimate):
Below 18 years old, unmarried, not gainfully employed; or
More than 18 years old but incapacitated and incapable of self-support due to mental or physical
defect acquired prior to age of majority.
2. Secondary
Dependent parents
Legitimate descendants
Eligibilities. The conditions for payment are as follows:
Injury must be the result of accident arising out of and in the course of employment
Sickness must be listed /considered an occupational disease; or even if not listed as one, it must
be shown that the risk of contracting the sickness is increased by the working conditions
Disability/Death is caused by work-connected injury or sickness
Exceptions.When any of these is due to the employees:
Intoxication or drunkenness
Willful intention to injure or kill himself or another
Notorious negligence
Not work-related
List of Occupational Diseases (under PD 626)
Papilloma of the bladder
Cancer, epithellomatous or ulceration of the skin or of the corneal surface of the eye
Cataract
Deafness
 Decompression sickness
Caisson disease
Aeroembolism
Dermatitis due to irritants and sensitizers
Infections: Anthrax, Brucellosis, Glanders, Rabies, Tuberculosis, Tularemia, Weills disease,Q Fever
or equine encephalomyelitis, Mite dermatitis
Ionizing radiation disease, inflammation, ulceration or malignant disease of the skin or subcutaneous
tissues of the bones or leukemia or anemia of the aplastic type due to X-rays, ionizing particles,
radium or other radioactive substances Acute radiation syndrome: Chronic radiation syndrome and
Glass blowers cataract.
Poisoning
Pneumoconiosis
Diseases caused by abnormalities in temperature and humidity
Vascular disturbance in the upper extremities due to continuous vibration from pneumatic tools or
power drills, riveting machines or hammers
Viral hepatitis
Poisoning by cadmium
Leukemia and lymphoma
Cancer of the stomach and other lymphatic and blood forming vessels, nasal cavities and sinuses
Cancer of the lungs, liver and brain
Cardio-vascular diseases
Cerebro-vascular accidents
Malaria and schistosomiasis
Pneumonia
Hernia
Bronchial asthma
Osteoarthritis
Viral encephalitis
Peptic ulcer
Pulmonary tuberculosis
Viral hepatitis
Essential hypertension
Asbestosis
No claim for compensation will be given due course unless said claim is filed with the GSIS within three
years from the time the cause of action accrued. (ECC Resolution No. 2799, July 25, 1984)

Increase in EC Benefits
On 26 May 2014, President Benigno Simeon Aquino III issued Executive Order 167 which approved the
increase of Employees Compensation Funeral Benefit from Php10,000 to Php20,000 for both the
employees in the private and public sectors and a 10% across-the-board increase in EC pension for all EC
permanent partial disability, permanent total disability and survivorship pension in the private sector
 SSS- Employees' Compensation (EC) Program

The Employees' Compensation (EC) program aims to assist workers who suffer work-connected sickness or injury
resulting in disability or death. The benefits under the EC program may be enjoyed simultaneously with benefits
under the social security program effective June 1984.

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Who are covered under the EC program?

All SSS-registered employers and their employees are compulsorily covered under the program.
Employers and employees registered in the SSS need not register again under EC.

How much is the monthly EC contribution?

Only the employer is required to remit monthly EC contributions on behalf of the employees, equivalent to one per
cent of the employee's monthly salary credit. The required contribution under the current rate is P10.

How long is an employer obliged to pay for the EC contributions of his employee?

For as long as the employee works for him/her employer is obliged to pay EC contributions.

The obligation of the employer ceases when an employee is separated from employment or, if the employee dies
during employment.

When a covered employee becomes disabled during employment, the employer's obligation to pay the monthly
contribution arising from the employment will be suspended during such months that the employee is not receiving
salary or wages.

What are the benefits under the EC program?

Benefits under the Employees' Compensation program include:

1. Medical services, appliances and supplies provided to the afflicted member beginning on the first day of injury or
sickness, during the subsequent period of disability, and as the progress of recovery may require.

These benefits, however, are limited to the ward services only of an accredited hospital and physician.
Ward services, consist of all the services an in-patients would ordinarily receive in a hospital.

2. Rehabilitation services, consisting of medical, surgical and hospital treatment.

The SSS also provides as soon as practicable, a balanced program of remedial treatment for handicapped members.

3. Income cash benefit for:

a. Temporary total disability or sickness. An income cash benefit equivalent to 90 per cent of the average daily salary
credit with a minimum of P10 and a maximum of P200 (effective Nov. 1, 1996).
 It is payable for a period not longer than 120 consecutive days. If the injury requires more treatment, the period may
be extended up to 240 days. If it persist after this period, the injury will be considered as permanent total disability.

This benefit is advanced by the employer every regular payday. The amount legally paid by the employer is
reimbursed 100 per cent by the SSS in the form of cheque or thru the bank.

b. Permanent total disability (loss of two limbs, permanent complete paralysis of two limbs, etc.). This benefit is a
monthly pension paid for as long as the injured lives plus 10 per cent for each of the five dependent children
beginning with the youngest and without substitution.

The monthly pension is guaranteed for five years but will be suspended if the employee is gainfully employed,
recovers from permanent total disability, or fails to present himself/herself for examination at least once a year upon
notice by the SSS or fails to submit a quarterly medical report certified by the attending physician as required under
Section 5, Rule IV of the EC law. The minimum monthly income benefit is P2,000.

Beginning Jan. 1,1991, a permanent total disability pensioner is also given a supplemental allowance in addition to
the monthly pension. This allowance will provide additional financial assistance to meet the extra needs arising from
the disability. Effective May 1, 1993, the supplemental allowance is P575 a month.

Upon the death of an EC permanent total or permanent partial disability pensioner,the SSS will pay to the primary
beneficiaries 100 per cent of the monthly pension. In addition, the dependents will be paid the dependent?s pension.
If the deceased pensioner has no primary beneficiaries, the SSS will pay to the secondary beneficiaries the
remaining balance of the five-year guaranteed period, excluding the dependent?s pension.

c. Permanent partial disability (such as loss of one thumb, finger, leg). A monthly pension is provided to the member
equivalent to the pension for permanent total disability but limited to the number of months designated by law for a
particular disability. The minimum monthly pension is P2,000.

However, if the period of permanent partial disability pension is less than a year, the benefit may be paid in lump
sum.

d. Death. A monthly pension is provided to the deceased member's primary beneficiaries, plus 10 per cent of such
benefit for each of five dependent children, subject to some limitations. In the absence of primary beneficiaries, the
secondary beneficiaries are entitled to the monthly pension but not to exceed 60 months. The minimum monthly
pension for the death benefit is P2,000.

Under the EC program, a funeral benefit of P10,000 will also be paid to any person who actually shouldered the
burial expenses of the deceased member.

What are the qualifications for EC benefits?

1. Employees should be duly reported to the SSS;

2. Employees' sickness, injury or death is work- connected; and
3. The SSS has been duly notified of such sickness, injury or death.