Title
OWWA Insurance Benefit Program Decentralization
Law
Owwa Memorandum Of Instructions No. 009
Decision Date
Nov 6, 2006
The OWWA Memorandum of Instructions No. 009, s. 2006 decentralizes the Insurance Benefit Program to Regional Welfare Offices, enhancing claims processing efficiency and ensuring that overseas Filipino workers and their beneficiaries receive timely death and burial benefits based on their OWWA membership status.

Questions (OWWA MEMORANDUM OF INSTRUCTIONS No. 009)

To shift operational focus from the Central Office to the Regional Welfare Offices to improve program delivery and accessibility, and to expedite processing of claims to accelerate delivery of services in the regions.

Requests for funds by the Regional Welfare Offices (RWOs) must be coursed through the Regional Operations Coordination Service (ROCS) based on the last three years’ program availments of the regions.

The ICF is a separate bank account used by RWOs for payment of claims; it must be opened at the regional level where the RWO operates, with funds transferred from the Central Office.

The RWO Directors or their authorized representatives are the approving authority for all fund disbursement requests.

All checks are released by the RWO Cashier upon presentation of proper identification requirements.

Every availment/claim must first be validated by the MPC to confirm the effectivity of coverage. In the absence of database networking, the MPC serves as the clearing house and issues an electronic copy of Certification of Availment/No-Availment.

A monthly list of availees for consolidation and control of the MPC.

They must show proof that the deceased OFW’s OWWA membership was in effect at the time of death.

Natural death: PHP 100,000.00; Accidental death: PHP 200,000.00.

PHP 20,000.00, as a rider provision to the life insurance coverage.

Coverage commences upon payment of the OWWA contribution and remains effective until expiration of employment contract, plus 60 days following the paid expiration.

They are entitled to the maximum duration of two (2) years plus 60 days. The MOI also states that coverage cannot be less than one (1) year plus 60 days but not to exceed two (2) years plus 60 days upon expiration.

They are given extended coverage (in lieu of the regular 60-day extension) but not to exceed two (2) years, provided the illness was diagnosed during the original coverage period or contracted during overseas employment.

A duly accomplished application form; a Certificate of Membership/OFW Membership Verification Sheet issued by MPC; passport (landbased) or seaman’s service record book (seabased); and 2x2 photo of the claimant.

If the claimant is the spouse: Marriage Certificate. If the claimant is the mother or father: Birth Certificate and Certificate of No Marriage (CENOMAR) of the deceased OFW. If the claimant is a legal-age child: Birth Certificate of the child and Death Certificate of the deceased spouse, and authorization by at least two siblings (if any).

Insurance benefit: Death Certificate certified by LCR/NSO or by the Philippine Embassy/Consulate where death occurred; and if accidental, an Accident Report; if presumptively dead, the Declaration of Presumptive Death. Burial benefit: Receipt of payment issued by the funeral parlor/crematorium/place of interment, and a Burial Permit.

Death benefits are reckoned from the date the worker was declared presumptively dead after being reported missing for some time by proper authority in accordance with law. Beneficiaries are entitled to burial benefits even if the body was not recovered and no burial activities occurred.


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