GSIS Separation Pay Calculator
Leaving government service before retirement? Estimate your RA 8291 separation benefit — the one-time cash payment, when it's payable, and any deferred pension.
Estimate your GSIS separation benefit
| Cash payment | |
|---|---|
| Payable | |
| Monthly pension from age 60 |
Estimate under RA 8291 Section 11: 3–15 years of service earns a one-time cash payment of 100% of your AMC per year with paid contributions (minimum ₱12,000), payable at age 60 or at separation, whichever is later; 15+ years earns 18 × BMP cash at separation plus the BMP as a monthly pension from age 60. Your exact AMC and creditable service come from your GSIS record — confirm with GSIS. Not legal advice.
How the GSIS separation benefit works
| Years of service | Benefit | When paid |
|---|---|---|
| Under 3 | None under Section 11 | — |
| 3 to under 15 | Cash: 100% of AMC × years (min ₱12,000) | Age 60 or separation, whichever is later |
| 15+ (below 60) | Cash: 18 × BMP, plus BMP pension for life | Cash at separation; pension from 60 |
The BMP (Basic Monthly Pension) is the same formula as the retirement pension: 2.5% × RAMC × years of service, capped at 90% of your AMC — see the full walkthrough in our GSIS pension guide. Already 60 with 15+ years? That's a retirement claim — use the GSIS Pension Calculator instead.
⏳ One caution: GSIS claims other than life insurance and retirement prescribe after 4 years — file your separation claim within 4 years of leaving even if the cash is only released at 60.
Last updated: 2026-07-05. Based on RA 8291 (GSIS Act of 1997), Section 11. An estimate only — your exact AMC and creditable service come from your GSIS records; confirm with GSIS.