Title
Government Service Insurance System vs. Montesclaros
Case
G.R. No. 146494
Decision Date
Jul 14, 2004
A widower’s retirement benefits, designated to his second wife, were denied survivorship pension due to a PD 1146 provision. The Supreme Court ruled the provision unconstitutional, affirming retirement benefits as conjugal property and ordering the pension’s release.

Case Summary (G.R. No. 206987)

Petitioner

GSIS, through its Cebu City Branch, denied respondent’s claim for survivorship pension under PD 1146 on the ground that Section 18 contains a proviso disqualifying a dependent spouse who contracted marriage with the pensioner within three years before the pensioner qualified for pension.

Respondent

Milagros O. Montesclaros, widow of late Sangguniang Bayan member and GSIS pensioner Nicolas Montesclaros, who was designated as sole beneficiary in the pensioner’s retirement application and subsequently claimed survivorship pension after his death.

Key Dates

Marriage of Nicolas and Milagros: 10 July 1983. Nicolas’s last day of service: 17 February 1985. GSIS approval of retirement: 31 January 1986 (effective 17 February 1984 as recorded). Nicolas died: 22 April 1992. GSIS denied survivorship claim: 8 June 1992. Trial court decision in favor of Milagros: 9 November 1994. Court of Appeals affirmed: 13 December 2000. Supreme Court decision: July 14, 2004.

Applicable Law

Primary statutory framework: Presidential Decree No. 1146 (Revised Government Service Insurance Act of 1977) — notably Sections 16, 17, and 18 concerning survivorship benefits and the proviso in Section 18. Subsequent statutory development: Republic Act No. 8291 (Government Service Insurance Act of 1997), which deleted the three-year proviso and, by its implementing rules, permits a surviving spouse’s marriage immediately prior to the member’s death to be accepted unless proven to be solemnized solely to obtain benefits. Constitutional provisions invoked: Section 1, Article III, 1987 Constitution (due process and equal protection).

Facts

Nicolas, a 72-year-old widower, married Milagros (then 43) on 10 July 1983. Nicolas applied for retirement benefits under PD 1146 effective 18 February 1985 and designated Milagros as sole beneficiary. GSIS approved retirement benefits with an effective date recorded as 17 February 1984. Nicolas died in 1992; Milagros filed for survivorship pension but GSIS denied the claim invoking the Section 18 proviso that disqualifies a dependent spouse who married the pensioner within three years before the pensioner qualified for pension.

Procedural History

Milagros filed a special civil action for declaratory relief in the Regional Trial Court (RTC) challenging the proviso’s validity. The RTC declared her eligible for survivorship pension, holding that retirement benefits are onerous acquisitions and conjugal property under Articles 115 and 117 of the Family Code, and that the three-year proviso was repealed by the Family Code as a later inconsistent law. GSIS appealed; the Court of Appeals affirmed the RTC decision. GSIS then sought review by certiorari before the Supreme Court.

Issue Presented

Whether the proviso in Section 18 of PD 1146 — disqualifying a dependent spouse from survivorship pension if the marriage was contracted within three years before the pensioner qualified for pension — is valid under the Constitution (specifically, whether it violates due process and equal protection), and relatedly whether retirement benefits are conjugal property and whether the Family Code repealed the proviso.

Court of Appeals’ Ruling (as summarized)

The Court of Appeals agreed with the trial court that retirement benefits are not purely gratuitous but are deferred compensation and therefore constitute onerous acquisitions and form part of conjugal property (given mandatory employee contributions). The CA affirmed that the proviso was inconsistent with the Family Code and thus inapplicable to deny survivorship pension.

Supreme Court’s Core Holding

The Supreme Court held the three-year proviso in Section 18 of PD 1146 unconstitutional and void for violating the due process and equal protection guarantees of the 1987 Constitution. Consequently, GSIS could not deny Milagros’s survivorship claim based on that proviso.

Rationale — Retirement Benefits as Property Interest

The Court emphasized the mandatory nature of GSIS contributions (employee deductions and employer share), characterizing GSIS pensions as part of contractual compensation rather than gratuity. Because employee participation is compulsory and the pension arises from salary deductions and employer contributions, retirees acquire vested property interests in pension benefits once eligibility is met. Such vested pension rights are protected by due process and cannot be forfeited without notice and hearing.

Rationale — Denial of Due Process

The Court found the proviso to be an unduly oppressive rule that confiscates survivorship benefits from a dependent spouse who married within the three-year period before the pensioner qualified for pension, without providing any procedural safeguards (notice or opportunity to be heard). This arbitrary forfeiture conflicts with PD 1146’s declared purposes — including guaranteeing benefits and expanding survivorship protection to dependents — and therefore violates the due process clause.

Rationale — Violation of Equal Protection

Applying the equal protection principles for statutory classifications, the Court analyzed whether the proviso constituted a reasonable classification related to a legitimate legislative purpose. Although a statute may reasonably require a minimum marriage duration in limited contexts to deter sham marr

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