Guidelines on GSIS Premiums Past Age 65

Regular Members: Those required to remit life and retirement premiums with government agencies under RA 8291.
Continuance of Coverage of Membership: GSIS shall compulsorily collect premiums for members beyond 65 allowed to continue service.
Optional Continuance of Membership: Members can opt to continue GSIS membership and premium payments beyond 65.

Applies to regular members who remit premiums beyond the mandatory retirement age of 65.

Premiums remitted from May 2012 onwards for members beyond 65 shall not be credited to Total Length of Service (TLS) or Period with Premium Payments (PPP), except as provided.
Premium contributions prior to May 2012 remain creditable unless member opts for refund.
Premiums beyond 65 (post-May 2012) shall be refunded through remitting agency, except in exception cases.

Presidential appointees with service extension approved by the Office of the President (OP) under EO 136, s. 1999.
Non-presidential appointees extended by the Civil Service Commission (CSC) for completing 15 years of service per CSC Memorandum Circular No. 27, s. 2001.
Non-presidential appointees extended under RA 8292 (Higher Education Modernization Act) and RA 9500 (University of the Philippines Charter).
Members who are elected officials or presidential appointees before age 65 allowed to continue paying premiums through their full term or tenure, including continuous re-election or re-appointment periods.
Members in co-terminus or highly confidential positions whose service is automatically extended per CSC Memorandum Circular No. 27, s. 2001.

Includes: premiums paid prior to May 2012 (not refunded), extended services under mentioned exceptions, and services under optional continuation.

Refunds are for members not continuing membership after May 2012, erroneously issued life insurance policies after 65, or members covered beyond 65 without valid extension from OP or CSC.
Refund covers the personal share paid by the member from age 65 onwards.
Government share refunded to agency upon satisfactory account reconciliation and no arrears.
Requests for refund must be submitted via letter or Member's Request Form (MRF).
Re-processing of disapproved claims requires resubmission of retirement application.

Annual data extraction by Technical Support Departments on members turning 65.
Written notification to affected members informing options to continue or discontinue membership and related effects.
Agencies informed of employees nearing 65, requiring submission of members' responses and extension notices within 30 days.
Failure to submit results in membership discontinuance effective May 2012 or following member's 65th birthday.

Information Technology Services Group to ensure system enhancements for policy implementation.
Coordinated testing and requirements gathering by Operations Group, Information Security Office, and Internal Audit Services Office.
Corporate Communications Office to provide standard notification letters.
Operating units shall submit monitoring reports to Senior Vice Presidents.

Phase 1 and Phase II provide steps for data extraction, member notification, response monitoring, and updating membership status.
Detailed activities assigned to specific units/persons for extraction, notification, monitoring, processing refund requests, updating membership profiles, and closing memberships.
Response deadlines set at 30 days from notification receipt.

Policy and procedural guidelines take effect immediately upon approval by the Board of Trustees.

Aligns with RA 8291 on mandatory retirement age and premium contributions.
Considers special service extensions under civil service rules and pertinent laws (RA 8292 and RA 9500).
Ensures refunds and crediting are processed fairly and uniformly.
Emphasizes agency responsibility in remitting premiums and reporting member options.
Stresses procedural clarity, member notification, and system readiness for implementation.