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1. Policy and Program Administration
EMPLOYEE WELFARE
PROGRAMS
Lizette D. Dabbay

2. • Employee welfare means “the efforts to
make life worth living for workmen.”
• It means anything done for the comfort
and improvement, intellectual or social, of
the employees over and above the wages
paid which is not a necessity of the
industry
Employee Welfare

3. Objectives of Employee Welfare
* to help improve the employee, the employer and the society as a whole
* to help improve the loyalty and morale of the employees
* to reduce labor turnover and absenteeism
* to help improve the goodwill and public image of the enterprise
* to help improve industrial relations and industrial peace

4. Features of Employee Welfare
• Employee welfare is a comprehensive term including
various services, facilities and amenities provided to
employees for their betterment.
• The basic purpose is to improve the lot of the working
class.
• Employee welfare measures are known as fringe
benefits and services. These measures may be both
voluntary and statutory

5. Classification of Welfare Schemes
• STATUTORY WELFARE SCHEMES
The statutory schemes are those schemes that are compulsory to provide
by an organization as compliance to the laws governing employee health
and safety (Book IV, Labor Code of the Philippines).
• Safe Drinking Water
• Facilities for sitting
• First aid appliances
• Latrines and Urinals
• Canteen facilities
• Spittoons
• Lighting, etc….
• NON-STATUTORY SCHEMES
The non statutory schemes differ from organization to organization and from
industry to industry
• Personal Health Care (Regular medical check-ups): Some of the companies provide
the facility for extensive health check-up
• Flexi-time: The main objective of the flextime policy is to provide opportunity to
employees to work with flexible working schedules
• Employee Assistance Programs: Various assistant programs are arranged like
external counseling service so that employees or members of their immediate family
can get counseling on various matters.

6. Examples of social security benefits provided by laws:
- Medical care
- Sickness benefit in cash
- Old age pension or retirement benefit
- Invalidity pension
- Maternity benefit
- Accident benefit
- Survivor’s benefit and others….

7. Dept. of Labor and Employment
• The
Department of Labor and Employment (D
is the primary government agency
mandated to promote gainful
employment opportunities,
develop human resources, protect
workers and promote their welfare
and maintain industrial peace.
• Rosalinda Dimapilis-Baldoz , a
Filipino lawyer, civil servant, and
labor arbiter is the current
Secretary of DOLE.

8. Other Government Agencies attending
to Employee’s Welfare:

9. Civil Service Commission
• The Civil Service Commission
(CSC) is the central personnel
agency of the Philippine
government. It is one of the three
independent constitutional
commissions with adjudicative
responsibility in the national
government structure, it is also
tasked to render final arbitration
on disputes and personnel actions
on Civil Service matters.
• Dr. Francisco Duque III, former
Secretary of the Department of
Health, is the current Chairperson
of the Commission

10. Overseas Workers Welfare
Administration
• The Overseas Workers Welfare
Administration (OWWA) provides
welfare assistance to registered
overseas workers and their
dependents.
• REBECCA J. CALZADO, is the
current OWWA Administrator

11. Philippine Overseas
Employment Administration
• The Philippine Overseas
Employment Administration is
responsible for optimizing the
benefits of the country's overseas
employment program.
• POEA connects to the world and
in partnership with all
stakeholders, facilitates the
generation and preservation of
decent jobs for Filipino migrant
workers, promotes their protection
and advocates their smooth
reintegration into Philippine
society.
• HANS LEO J. CACDAC, is the
current POEA Administrator

12. PAG-IBIG
(Home Mutual Development Fund)
• The Pag-Ibig Fund (HMDF) was
basically conceptualized to
address two of the country's basic
concerns: generation of savings
and provision of the shelter for the
workers.
• Hon. Vice-President JEJOMAR
C. BINAY, is the current Chairman
and Atty. Darlene Marie B.
Berberabe, is the CEO

13. Department of Social Welfare
and Development
• The DSWD provides a balanced
approach to welfare whereby the
needs and interest of the
population are addressed not only
at the outbreak of crisis but more
importantly at the stage that would
inexorably lead to such crisis.
• Corazon Juliano-Soliman, is the
current DSWD Secretary

14. National Council for the
Welfare of Disabled Persons
• The National Council for the
Welfare of Disabled Persons
(NCWDP) is the national
government agency mandated to
formulate policies and coordinate
the activities of all agencies,
whether public or private,
concerning disability issues and
concerns.
• Rosie Lovely T. Romulo, is the
present Chairperson of NCWDP

15. Occupational Safety and
Health Center
• The OSHC is envisioned as the
national authority for research and
training on matters pertaining to
safety and health at work under
DOLE.
• It provides the expertise and
intervention mechanism to
improve workplace conditions in
the Philippines.
• Ma. Teresita S. Cucueco, is the
present Exec. Director of OSHC

16. Government Service Insurance System
• A social insurance institution created
to secure the future of all Employees
of the Philippine government.
• It provides and administers a pension
fund that has the following social
security benefits: life insurance,
retirement benefits, and disability
benefits for work-related accidents and
death benefits. (Commonwealth Act
Number 186, passed on November 14,
1936)
• Likewise, the GSIS manages the
General Insurance Fund as mandated
by Republic Act 696 or the Property
Insurance Law. It provides
comprehensive protection to
government insurable interests.
• Daniel L. Lacson, Jr., current
Chairman of the Board of Trustees

17. Government Service
Insurance System
COVERAGE
• The GSIS covers all government workers irrespective of their employment
status (permanent, temporary), except:
- Members of the Judiciary and Constitutional Commissions who are
covered by separated retirement laws;
- Contractual employees who have no employee-employer relationship with
their agencies;
- Uniformed members of the Armed Forces of the Philippines and the
Philippine National Police, including the Bureau of Jail Management and
Penology and the Bureau of Fire Protection.

18. Government Service
Insurance System
BENEFITS AND SERVICES:
• Life Insurance
* Enhanced Life Plan (ELP)
* Life Endowment Plan (LEP)
• Retirement Benefit
• Separation Benefit
• Employee’s Compensation Benefit

19. GSIS
Life Insurance Benefit
• Compulsory Life Ins.
The Enhanced Life Policy (ELP)
seeks to enhance the death
benefits of your family and, at the
same time, to simplify the
administration of the compulsory
life insurance component of the
GSIS benefit program.
Who are covered by the ELP?
• A government employee who
entered the service after July 31,
2003, and are hence eligible for
GSIS regular membership under
RA 8291.
What are the features of the ELP?
• shall be a yearly term renewable
life insurance cover based on your
fixed monthly compensation.
• shall have neither a maturity value
nor fixed insurance cover.
• the computation of insurance
cover shall be based solely on
your annual compensation while
you are in government service,
multiplied by a predetermined
amount of insurance (AOI) factor.
• Your age and length of service will
no longer be a factor in
determining the amount of your
insurance coverage.

20. GSIS
Life Insurance Benefit
What are the features of the ELP?
•••••̉
• The ELP will also earn cash value
in the form of termination value,
which you can withdraw upon
separation or retirement and shall
be the basis of your yearly cash
dividends and policy loan.
• An automatic premium loan (APL)
facility secured against the policy’s
termination value shall also be
provided to answer for
nonpayment of premiums.
• The ELP may lapse if no payment
of premiums is effected within a
prescribed period but may
automatically be reinstated or
reissued without the need to issue
a new policy once you resume
payment.

21. GSIS
Life Insurance Benefit
• Life Endowment Plan (LEP) - s a
GSIS member, you automatically
enjoy life insurance benefits,
providing protection for you and
your loved ones. If you entered the
service prior to August 1, 2003,
you are entitled to the Life
Endowment Policy (LEP).
• LEP also provides coverage
against death whether due to
natural or accidental causes,
permanent total disability and
other benefits upon maturity or
separation from the service.
• Apart from the superior life
insurance packages these
programs offer, policy holders can
also avail of policy loan.

22. GSIS
Retirement Benefit Programs
• RA 8291 - 5 yr. lump sum or
cash payment with instant
pension-choose your personal
reward.
• RA 660 – also called “Magic 87”,
this provides both annuity and
lifetime pension.
• RA 1616 - Refund your GSIS
premiums with this "take-all"
option at the same time get
gratuity payment from your
employer.
• PD 1146 - Only those who have
been in government service after
May 31, 1977 but before June 24,
1997 can avail of this retirement
program. Retirement under PD
1146 gives you a choice between
a Basic Monthly Pension (BMP)
and Cash Payment.
• RA 7699 - (Portability Law)
Combine your GSIS and SSS
creditable years of service to
qualify for retirement program
offered by both pension funds.

23. GSIS
Disability Benefit
• Disability benefits are benefits
granted to a member due to the
loss or reduction in earning
capacity caused by a loss or
impairment of the normal functions
of the employee's physical and/or
mental faculties as a result of an
injury or disease.
• The loss in earning capacity
shall be determined on the
basis of the following:
• 1. The employee's actual loss of
income from the usual occupation
• 2. The capacity to engage in any
other gainful occupation because
of impairment
• A disability may either be:
Permanent Total
Permanent Partial
Temporary Total
• Injuries resulting in any of the
following are deemed
Permanent Total Disability
(PTD)
a. Complete loss of sight of both eyes
b. Loss of two limbs at one or above the
ankle or wrist
c. Permanent complete paralysis of two
limbs
d. Brain injury resulting in incurable
imbecility, insanity or other irreversible
conditions

24. GSIS
Employee’s Compensation
• The Employees' Compensation (EC) benefits or disability benefits is a
compensation package for public and private sector employees and their
dependents in the event of work-related injury, sickness, disability or death.
The EC is a purely employer-based contribution benefit. Thus, the employee
is not required to contribute any amount to the program. The employee
compensation benefits are in the following options:
– Cash income benefits for disability or death
– Medical and related services for injury or sickness
– Rehabilitation services ( in addition to monthly cash income benefit) for
permanent disability

25. GSIS
Employee’s Compensation
• The benefits given to the employee or his beneficiaries are in
the form of:
– Daily cash income benefit for temporary total disability (TTD)
– Monthly cash income benefit for permanent total disability (PTD) on a
lifetime basis
– Monthly cash income benefit for permanent partial disability (PPD)
– Monthly cash income benefit for death, also on a lifetime basis, except
for benefit paid to secondary beneficiaries, which is a monthly pension
not to exceed 60 months but not less than fifteen thousand pesos
– Medical services, appliances and supplies for injury or sickness
– Rehabilitation services for permanent disability
– Career's allowance for permanent disability.

26. GSIS
Other Benefits
• Burial Benefits - Death, although inevitable, is always an unpleasant
incident in every one's life. It can also be costly to those who we leave
behind. But with GSIS's funeral benefit, our survivors will have less to worry
about.
• Survivorship - When a member or pensioner dies, his or her beneficiaries
are entitled to cash and/or pension benefits, subject to the existing rules and
regulations on survivorship and policies on the maximum amount of
survivorship pension.

27. GSIS
Other Privileges
• Consolidated Loan - A member who has been in government service for
at least 10 years can avail of a Conso-Loan equivalent to 10 months of
their monthly salary. The minimum creditable years in service a member has
to have to qualify is 20 months, with the Conso-Loan proceeds equivalent to
three months of his monthly salary. The gross loan amount shall be a
multiple of the basic monthly salary (BMS), depending on the member’s
accumulated record of creditable service (RCS), to wit:
Record of Creditable Service Maximum Loan Amount
• Less than 20 months None
• 20 months or more 3 BMS
• 40 months or more 4 BMS
• 5 years or more 7 BMS
• 10 years or more 10 BMS

28. GSIS
Other Privileges
• Policy Loan - Policy loan is a loan program which you can avail from your
GSIS life insurance policy. There are two kinds of compulsory GSIS life
insurance programs which are automatically granted to you the day you
enter government service: the Enhanced Life Policy (ELP) and the
Life Endowment Policy (LEP).
• ELP provides cover for you if you entered the service after July 31, 2003.
Members whose policies have matured will also be covered by ELP. The
maximum loanable amount you can avail of under ELP is up to 90 percent
of the accumulated termination value of this policy.
• LEP refers to the life insurance policy issued to you if you entered the
service prior to August 1, 2003. The maximum loanable amount you can
avail of under LEP is up to 50 percent of the accumulated termination value
of this policy.

29. GSIS
Other Privileges
• Emergency Loan - The Emergency Loan is payable in three years or 36
equal monthly installments at an interest rate of six percent per annum.
If an emergency loan is renewed, the balance of the outstanding loan will be
deducted from the proceeds of the new loan.
Who can avail of the Emergency Loan?
• To qualify for the emergency loan, the member-applicant must be: a bona
fide resident or employee of the government office within the declared
calamity area; be in active service and not on leave of absence without pay;
has no pending criminal or administrative charges; has no arrearages in the
payment of mandatory social insurance contributions; and has no loan that
has been declared in default.
• For a calamity-hit area, it must be declared in a state of calamity by its
Sangguniang Panlalawigan/Panglungsod and approved by the GSIS Board
of Trustees before members working in government offices in the said area
become eligible for the Emergency Loan.

30. GSIS
Other Privileges
• eCard Plus - The GSIS eCard is, by far, the most innovative government-
issued identification card today. This is because the eCard Plus is not just a
GSIS membership ID Card, it is also a GSIS transactional card,
disbursement card, ATM Card, VISA debit card, hospitalization discount
card, medicine discount card, and tuition discount card, among others.
• Using your eCard Plus, you can check your GSIS records, renew your
active status (for pensioners), and even apply for GSIS loans, when you go
to any G-W@PS kiosk installed in all GSIS offices and other major
government offices all over the country.
– Members can also apply for the one-time P10,000 Cash Advance.
– Know your membership records, record of creditable services, loans
and other important facts about your GSIS membership.

31. GSIS
Other Services
• GCare Plans - G-Care offers motor vehicle insurance, personal accident
insurance and fire insurance with the most affordable rates in the country.
• My Shield is the lowest insurance premium rate against personal accident
in the market with about Php40 for every Php50,000 annual coverage. A
minimum coverage may range from Php50,000 to a maximum of Php5
million
• Home Shield provides insurance coverage against fire.
• Auto Shield provides a comprehensive insurance coverage for vehicles at
20% less than the prevailing rate in the market.

32. SOCIAL SECURITY SYSTEM
• The Social Security System (SSS)
administers social security
protection to workers in the private
sector.
• It manage a sound and viable
social security system which shall
promote social justice and provide
meaningful protection to members
and their families against the
hazards of disability, sickness,
maternity, old age, death and
other contingencies resulting in
loss of income or financial burden.
• Juan B. Santos, is the present
Chairman of SSS.

33. SSS
Benefits
• Sickness - A daily cash allowance
paid for the number of days a
member is unable to work due to
sickness or injury.
• the member is unable to work due to
sickness or injury and is confined
either in a
• hospital or at home for at least four
days;
• He/she has paid at least three months
of contributions within the 12-month
period
• immediately before the semester of
sickness;
• He/she has used up all company sick
leaves with pay for the current year
and has
• duly notified his/her employer;
• He/she must notify the SSS directly by
filing a sickness benefit application if
he/she is
• separated from employment, a
voluntary or self-employed member.

34. SSS
Benefits
• Maternity - A daily cash
allowance granted to a female
member who is unable to work
due to childbirth or miscarriage
• The member has paid at least
three months of contributions
within the 12-month
• period immediately before the
semester of her childbirth or
miscarriage;
• If employed, she must has given
notification of her pregnancy
through her employer;
• She must directly notify the SSS if
she is separated from
employment, a voluntary or self-
employed member

35. SSS
Benefits
• Disability - A cash benefit granted
either as a monthly pension or a
lump sum amount to a member
who becomes permanently
disabled, either partially or totally
• The member has paid at least one
month contribution before the
semester of disability;
• To qualify for a disability pension,
the member must have paid at
least 36 monthly contributions
prior to the semester of disability;
• If with less than 36 monthly
contributions, he/she is granted a
lump sum amount

36. SSS
Benefits
• Retirement - A cash benefit
granted either as a monthly
pension or a lump sum amount to
a member who can no longer work
due to old age
• The member is at least 60 years old
(optional retirement) separated from
employment or has ceased to be self-
employed; and had paid at least 120
monthly contributions prior to the
semester of retirement;
• The member is 65 years old
(mandatory retirement), whether
employed or not, and had paid at least
120 monthly contributions prior to the
semester of retirement.
• To qualify for a retirement pension, the
member must have paid at least 120
monthly contributions prior to the
semester of retirement;
• If with less than 120 monthly
contributions, he/she is granted a lump
sum amount

37. SSS
Benefits
• Death - A cash benefit granted
either as a monthly pension or a
lump sum amount to the
beneficiaries of a deceased
member
• Funeral - A funeral grant of
P20,000 to whoever paid for the
burial expenses of the deceased
member
• A monthly Death Pension is granted to
the member's primary beneficiary
(legitimate spouse until he/she
remarries, and dependent legitimate,
legitimated or legally adopted, and
illegitimate children) if the member has
paid at least 36 monthly contributions
prior to the semester of death;
• A lump sum amount is granted to the
primary beneficiary if the deceased
member has less than 36 monthly
contributions.
• If there are no primary beneficiaries,
the member's secondary beneficiaries
(dependent parents) shall be given a
lump sum amount.

38. SSS
Benefits
EMPLOYEES’ COMPENSATION (EC) PROGRAM
• the EC Program aims to assist those who suffer from work-connected
sickness or injury resulting in disability or death. Starting June 1984, the
benefits under the EC Program may be enjoyed simultaneously with
benefits under the Social Security Program, thus, allowing double
compensation for covered members who suffer work-related contingencies.
All SSS-registered employers and their employees are compulsorily covered
under the EC Program and need not register again under the EC

39. SSS
Loan Privileges
• Salary - A cash loan granted to an
employed, currently- paying self-
employed or voluntary member.
It is intended to meet the
member's short-term credit needs.
• An employed, currently-paying self-
employed or voluntary member who
has six posted monthly contributions in
the last 12 months prior to the month
of filing of loan application.
• For one-month loan, the member must
have 36 posted monthly contributions
prior to the month of filing of loan
application.
• For two-month loan, the member must
have 72 posted monthly contributions
prior to the month of filing of loan
application. If employed, the member's
employer must be updated in
contribution and loan
• remittances. The member must also
be updated in the payment of other
loans with SSS

40. Employee’s Compensation
Commission
• The ECC is a government
corporation. It is attached to the
Department of Labor and Employmen
for policy coordination and
guidance.
• It is a quasi-judicial corporate
entity created to implement the
Employees’ Compensation
Program (ECP). The ECP
provides a package of benefits for
public and private sector
employees and their dependents
in the event of work-connected
contingencies such as sickness,
injury, disability or death.

41. Employee’s Compensation
Commission
LEGAL MANDATE - The ECC was created in November 1, 1974 by
virtue of PD 442 or the Labor Code of the Philippines. It, however, become
fully operational with the issuance of PD 626 which took effect January 1,
1975.
MAIN FUNCTIONS:
• To formulate policies and guidelines for the improvement of the employees'
compensation program;
• To review and decide on appeal all EC claims disapproved by the Systems;
• To initiate policies and programs toward adequate occupational health and
safety and accident prevention in the working environment

42. Employee’s Compensation
Commission
MISSION
• Build and sustain among employees and employers a culture of safety and
healthful environment in the workplace;
• Ensure at all times that workers are informed of their rights, benefits and
privileges under the Employees’ Compensation Program (ECP);
• Develop and implement innovative policies, programs and projects that
meet the needs of workers with work-connected contingencies;
• Promptly and fairly resolve all cases brought before it
• Restore dignity and self-esteem among occupationally disabled workers;
• Safeguard the integrity of the State Insurance Fund.

43. Employee’s Compensation
Commission
PROGRAMS, PROJECTS AND ACTIVITIES
• Development and Review of Policies on the Employees’ Compensation Program
(ECP). This entails development and review of policies and procedures for the
improvement of the ECP such as increase of benefits and/or expands the coverage of
the ECP.
• ECP Information Dissemination Services This program is designed to increase
public awareness on the Employees Compensation Program (ECP).

44. Employee’s Compensation
Commission
• Rehabilitation of the Persons with Work-Related Disability (PWRDs)
Program The main objective is to facilitate the integration of PWRDs into
the economic mainstream of society through the following programs and
projects:
1. ECC-Quick Response to PWRDs This project aims to provide
immediate assistance to workers or their families in the event of major work
accidents or outbreak of occupational diseases at the workplace. The ECC
intervention includes psycho-social counseling services, medical help and
assistance in the filing of the necessary claims with the System.
2. KAGABAY Project “Katulong at Gabay sa Manggagawang May
Kapansanan” or KaGaBay is an assistance project to PWRDs which
provides vocational skills and entrepreneurial training and other assistance
that will allow PWRDs to find employment or self-employment.
3. Physical Restoration of PWRDs An assistance project to facilitate the
provision of ECC-funded rehabilitation services like physical therapy,
occupational therapy and provision of rehabilitation appliances.

45. Employee’s Compensation
Commission
4. Job Placement Facilitation This involves assistance to PWRDs and/or
their children to find employment or re-employment
5. Prevention Program in the Workplace This project aims to promote
health and protection of workers in the workplaces by raising the employers
and workers awareness on the value of adopting and observing appropriate
preventive measures.

46. ECC Organizational Chart