services and to participate in more inclusive local planning, budgeting, and implementation.149 Government Service Insurance System (GSIS) This is a compulsory, contributory pension and insurance scheme for all government employees, except for those covered by separate retirement schemes, such as members of the judiciary, the armed forces, and the police. The program is primarily a retirement fund but also provides a range of other insurances (life and disability) and access to savings, borrowing, and investment products.152 allocations. It also consists of a stream of benefits flowing from the assets created and the (largely intangible) benefits associated with a greater sense of community selfdetermination.151 Active members are required to remit 9% or 12% based on their actual monthly salary.153 Compulsory for all government employees except for the members of the Judiciary and Constitutional Commissions covered by separate retirement laws, the Armed Forces, the PNP including the BJMP and BFP, and contractual employees who have no employeremployee relationship with their agencies.154 -Retirement benefits (not more than 90% of their monthly salary) -Survivor benefits (survivors of pensioner or pensioner with at least 3 years of service) -Funeral benefits -Disability benefits -Separation benefits (members who separate from government service before retirement age with at least 3 years of service) -Life Insurance (provides policy loans and annual dividends) -Lending Program -Optional Life 148 Program Design p.53, "Social Protection Review and Assessment" by Acosta, P. Yemtsov, R. Honorati, M. Velarde, R. and Avalos J. (2018) on behalf of International Bank for Reconstruction and Development/The World Bank 149 What is KALAHI-CIDSS, available from https://ncddp.dswd.gov.ph/site/page/1 47