Kabalikat 2015 - Public Safety Mutual Benefit Fund Inc.
Transcription
Kabalikat 2015 - Public Safety Mutual Benefit Fund Inc.
KABALIKAT THE OFFICIAL PUBLICATION OF THE PUBLIC SAFETY MUTUAL BENEFIT FUND, INC. VOL. 18 NO. 1 2015 www.psmbfi.com.ph PSMBFI releases insurance benefits to families of the fallen and wounded SAF commandos initial payment of insurance proceeds from the mandatory Special Group Term Insurance, while the 15 injured members from SAF received the Wounded-in-Action benefit from the Association. PSMBFI was organized by the PNP leadership in 1997 to be the insurance provider of its uniformed personnel. PSMBFI President Mario Avenido hands over the insurance proceeds to the beneficiaries of a SAF commando in Camp Bagong Diwa, Taguig City. T he Public Safety Mutual Benefit Fund, Inc. (PSMBFI) released the initial payment of insurance benefits to the families of the 44 Special Action Force (SAF) heroes killed in a clash in Mamasapano town in Maguindanao last January 25, 2015. The insurance checks were personally handed by PSMBFI President Mario Avenido to the beneficiaries at Camp Bagong Diwa in Taguig last January 30, 2015. Of the deceased commandos, 40 were members of PSMBFI, entitling their families to insurance proceeds with amounts varying from P380,000 to P825,000, depending on the rank of the deceased member and the plans they were enrolled in. The necessary assistance is being extended to the families for the completion of the required documents and the payment of the full amount of the insurance claims. The families of four non-PSMBFI members received the www.psmbfi.com.ph Vol 18 no 1.indd 1 Support extended for PNP Scholars O n March 9, 2015, the Public Safety Mutual Benefit Fund, Inc. (PSMBFI), represented by President Mario A Avenido and Vice-President Bernardo C Florece, Jr. turned over the Special Group Term Insurance (SGTI) Experience Refund check amounting to P3.1 million to PDDG Marcelo Garbo, Jr. and PCSupt Wilfredo Franco of the Directorate for Personnel and Records Management of the Philippine National Police, in support of the PNP Scholarship Program. PSMBFI is a mutual benefit insurance association which does not only pay life insurance and accidental death and disability claims but also provides Accident Hospitalization, Wounded-in-Action and Killed-in-Action Benefits to qualified members. PSMBFI was created in 1997 to provide life insurance for employees of public safety institutions after Congress passed Republic Act 8291 which excluded policemen, among others, from the mandatory insurance coverage of the Government Service Insurance System. KABALIKAT VOL. 18 NO.1 1 4/13/2015 11:02:29 AM EDITORIAL A Salute to Heroes T he Public Safety Mutual Benefit Fund, Inc. joins the nation in honoring the sacrifices and heroism of the men and women of the Philippine National Police. Recent heroes include the Special Action Force (SAF) troopers who fought in Mamasapano, Maguindanao last January 25, 2015. Among them were 44 men who lost their lives and 15 men who were wounded during the clash. The death of these 44 men was a big loss for the PNP. PSMBFI expresses its deep sympathy with the family members of the fallen heroes. PSMBFI also honors all the other brave men and women from different public safety sectors who risk their lives in line of duty. PSMBFI will always be a positive force in the lives of its members, giving them peace of mind while ensuring public safety. On top of the death benefits paid out in 2014, a total of P2.8 million of Wounded-in-Action benefit for 180 members and P1.5 million PSMBFI President Mario A of Killed-in-Action benefit for the Avenido personally handed the beneficiaries of 26 members were initial payment of insurance claims released. to the beneficiaries of the deceased PSMBFI members at Camp Bagong PSMBFI is a witness to the Diwa in Taguig City last January sacrifices of its members. The 30, 2015. The Association further Association takes to heart the extended assistance to the families important role it plays in the lives of during the “PNP Welfare Services public safety practitioners and their for Beneficiaries of SAF 44” in Camp families. Crame last February 18, 2015. MER and MBIEV Releases PSMBFI is doing its best to expedite the uploading of the Members’ Experience Refund and the Members’ Benefit from Individual Equity Value to the cash cards of qualified members. Members are requested to check their account balances if the same have been uploaded to their PSMBFI ID cash cards. KABALIKAT THE OFFICIAL PUBLICATION OF THE PUBLIC SAFETY MUTUAL BENEFIT FUND, INC. VOL. 17 NO. 3 2014 EDITORIAL BOARD DIR MARIO A AVENIDO President DIR BERNARDO C FLORECE Jr. Vice President CAPT. SEBASTIAN C SIGA-AN, PN (Ret) General Manager Editor-in-Chief NOREEN G. AMOR MARTHA R. MAPA ARLENE H. BALIONG NOEL D. MADRIAGA MILAN ROCHELLE BERNARDO JASEL J. RABANO MICHELLE P. CAYABYAB RAPHAEL K. SAN GABRIEL JOEL B. DORINGO MARY JANE T. VELASQUEZ ATTY. RIZALINA V. LUMBERA Associate Editors VICTOR PAUL V. RAGUS Executive Editor JEWEL L. SENADOR WENSER O. SERMONIA Desk Editors ROSANNA Q. DAÑEZ ZYRON C. BASTO CHERRYBEN M. PORTACIO GELINE G. LOPEZ JACINTO G. MONDARES PRECIOUS MARIE L. UMLAS Production Team TOTI NAVALES PNP-PIO Photographer The KABALIKAT is the official publication of the Public Safety Mutual Benefit Fund, Inc. For your queries, comments and suggestions, you may call (02) 726-1675 or (02) 726-8070. We also have Regional Extension Offices nationwide. 2 KABALIKAT VOL. 18 NO.1 Vol 18 no 1.indd 2 4/13/2015 11:02:32 AM PSMBFI salutes the fallen 44 www.psmbfi.com.ph Vol 18 no 1.indd 3 KABALIKAT VOL. 18 NO.1 3 4/13/2015 11:02:33 AM PSMBFI extends protection to public safety practitioners T he Public Safety Mutual Benefit Fund, Inc. has a strength of 145,000 members composed of personnel from the Philippine National Police, National Police Commission, Bureau of Fire Protection, Office of the Transportation Security, Philippine Coast Guard, and the cadets of the Philippine National Police Academy. PSMBFI is a mutual benefit association and its core business is insurance. In case the unfortunate happens, the families who will be left behind will receive funds to help them through their grieving period. With Philippine Coast Guard Commandant Admiral Rodolfo D Isorena and Capt. Perfecto S Eden. In the long run, one’s membership with the Association will prove to be a good investment. Qualified members receive their Members’ Experience Refund (similar to dividends) and those who retire from the active service may either get their Equity Value or opt to continue until age 65. PSMBFI empathizes with those who are constantly exposed to various risks. It has opened its doors to new markets in the public safety sectors. The Members Equity Plan covers the uniformed PSMBFI members, while MyLife Plus is the Equity Plan for civilian members. Top Management pays PCSupt Armando E Ramolete a visit at the Philippine National Police Academy. With Bureau of Fire Protection Director FCSupt Ariel A Barayuga 4 At the National Bureau of Investigation with heads of the investigative and non-investigative personnel. With the PNP Non-Uniformed Personnel supervisors from various National Support Units. With the personnel of the National Mapping and Resource Information Authority (NAMRIA) KABALIKAT VOL. 18 NO.1 Vol 18 no 1.indd 4 4/13/2015 11:02:43 AM PSMBFI takes pride in its partner institutions National Police Commission The NAPOLCOM is the agency mandated by law to administer and control the Philippine National Police. Under R.A. 8551 (PNP Reform and Organization Act of 1988) the Commission gained the powers to investigate police anomalies and irregularities, administer police entrance and promotional examinations, and summarily dismiss erring police officers. Philippine National Police The PNP enforces the law, prevents and controls crimes, maintains peace and order, and ensures public safety and internal security with the active support of the community. It brings offenders to justice, detains an arrested person for a period not beyond what is prescribed by law, exercises its vested powers from the Philippine Constitution and pertinent laws, implements laws and regulations on firearms and explosives control and supervises and controls the training and operations of security agencies. Bureau of Fire Protection The BFP was created by virtue of RA 6975 for the prevention and suppression of all destructive fires, and the enforcement of the Fire Code of the Philippines (PD 1185) and other related laws. It investigates all causes of fires and files the proper complaint with the prosecutor who has jurisdiction over the case. In times of national emergencies, all elements of the BFP shall upon direction of the President, assist the AFP. They establish at least one fire station with adequate personnel, firefighting facilities and equipment in every provincial capital, city and municipality subject to standard rules and regulations as may be promulgated by the DILG. Philippine Coast Guard The PCG is mandated to conduct maritime law enforcement against smuggling, illegal fishing, piracy, illegal trafficking of persons, firearms, explosives, illegal drugs, poaching, and the enforcement of the Revised Penal Code. These are possible through inter-agency intelligence exchange, cooperation and collaboration. It is also mandated to protect marine environment from destruction, degradation and depletion by natural or man made causes. In protecting the country’s marine environment, the PCG undertakes initiatives to prevent, control and mitigate the effects of oil spills and marine pollution to the marine environment. Office of the Transportation Security The OTS formulates, develops, maintains and implements national transport security programmes, plans, rules and regulations in accordance with international standards to secure the transportation system of the country. It exercises operational control and supervision over all units of law enforcement agencies and personnel providing security services in the transportation systems, except for motor vehicles in land transportation, jointly with the heads of the bureaus/agencies to which the units or personnel organically belong to or are assigned. The OTS is also responsible for transportation security operations including security screening of passengers, baggage and cargoes, and hiring, retention, training and testing of security screening personnel. www.psmbfi.com.ph Vol 18 no 1.indd 5 KABALIKAT VOL. 18 NO.1 5 4/13/2015 11:02:43 AM Ensuring one’s future with PSMBFI membership PSMBFI welcomes the thousands who have joined the PNP. W hen the Public Safety Mutual Benefit Fund, Inc. was created in 1997, the intent of the Philippine National Police leadership was to provide life insurance protection to the uniformed police personnel since they were no longer covered by social insurance. Thousands enter the service every year to augment the police force and to replace those who have retired, were attrited, and those who passed away. After the recruits take their oath, they are turned over to the Police National Training Institute (PNTI) to undergo the regular year-long training. This entails six months of Police Basic Recruit Course and another six months of Field Training Program to qualify as permanent Police Officer 1 and be assiged to different During a DPRM Family Conference with the Chiefs of the Regional Personnel Human Resource and Doctrine Development. posts in the country. The new PO1s are encouraged to become PSMBFI members to ensure that they have insurance protection while in training and thereafter. On the other hand, there are civilians with highly technical qualifications who become police officers via lateral entry. After the completion of their training, they will be fielded to deliver technical service in different areas. As lateral entrants, they are encouraged to become PSMBFI members as well. With the PNP Non-Uniformed Personnel of PRO 12 6 KABALIKAT VOL. 18 NO.1 Vol 18 no 1.indd 6 4/13/2015 11:02:47 AM Likewise, the Philippine National Police Academy cadets face the challenges of rigorous physical and mental training. After completing their four-year course, they will become commissioned officers of either the PNP, the Bureau of Fire Protection, or the Bureau of Jail Management and Penology, with the rank of Inspector. PSMBFI encourages them to start their membership as cadets. As a matter of policy, the PSMBFI insurance coverages of the new PO1s, lateral entrants, and PNPA cadets immediately take effect upon submission of their duly signed Membership Application Form and the Authority to Deduct Form. Among the new PO1 recruits of PRO 4A As members, they are insured under the Members Equity Plan (MEP), the Basic Group Term Plan (BGTP), the Burial Assistance Benefit (BAB), the Endowment at 56 (E-56) and the mandatory Special Group Term Insurance (SGTI). PSMBFI is not just an ordinary insurance provider. It understands the varying degrees of risk in the public safety profession, thus enabling it to provide the right insurance coverage for those who enforce the law. Among the PNPA Cadets At the PNP Grandstand in Camp Crame www.psmbfi.com.ph Vol 18 no 1.indd 7 Aside from the uniformed personnel, civilians from various public safety sectors become members of the Association to secure their insurance coverage and enjoy the living benefits that PSMBFI provides. With the personnel of the Special Action Force at Fort Santo Domingo in Santa Rosa, Laguna. KABALIKAT VOL. 18 NO.1 7 4/13/2015 11:02:51 AM Making a difference in the lives of members T he corporate events and activities of the Public Safety Mutual Benefit Fund, Inc. are instrumental in maintaining members’ loyalty and in strengthening the partnerships with public safety agencies. Its participation in various PNP conferences and activities facilitate interaction among members, giving yet another venue for concerns to be raised and addressed. V isits with partner agencies foster good working relations. C orporate social responsibility is integral to every business. PSMBFI is committed to help improve the lives of members and support partner institutions, allowing better delivery of public service. 8 KABALIKAT VOL. 18 NO.1 Vol 18 no 1.indd 8 4/13/2015 11:02:59 AM P SMBFI’s presence during the activities of its partner institutions allow members to conveniently relay their individual concerns with the Association’s representatives. T he Association implements relevant programs that assist members in their profession as public safety practitioners. P SMBFI regularly participates in activities with relevant social issues, bringing the Association closer to its members and their families. Some of these activities have become yearly traditions. www.psmbfi.com.ph Vol 18 no 1.indd 9 KABALIKAT VOL. 18 NO.1 9 4/13/2015 11:03:12 AM T he Association continuously develops products to meet the changing needs of its members. T he individual capabilities of its employees are honed through activities that strengthen camaraderie, instill corporate values, and encourage teamwork. We serve and protect those who serve and protect. 10 KABALIKAT VOL. 18 NO.1 Vol 18 no 1.indd 10 4/13/2015 11:03:24 AM Loan Facilities PSMBFI members have access to loan facilities with reasonable interest rates, and which are payable at the most convenient terms. Forms can be downloaded from the website at www.psmbfi.com.ph Salary Loan / i-Loan With a high loanable amount, you can dream bigger and plan better! Payable up to 5 years. Requirements: • Duly accomplished loan application and Authority to Deduct (ATD) forms (please secure the signature of Commanding Officer and authorized Disbursing Officer.) • Photocopy of PNP ID of borrower (back to back and not expired with 3 specimen signatures) If not available, any 2 valid IDs • Original and photocopy of latest payslip of borrower for the last two (2) months • Certification of Active Duty from Station/Unit Clearance • Three (3) accomplished Notarized Deed of Undertaking Emergency Loan Unforeseen circumstances may result to unbudgeted expenses. PSMBFI’s Emergency Loan gives you access to cash of up to P100,000 so you can be ready for those emergencies. Requirements: • The same as Salary Loan / i-Loan Calamity Loan Victims suffer different kinds of losses when calamities strike. PSMBFI members may take advantage of the Calamity Loan package’s low interest rate at only 9% per year. Requirements: • The same as Salary Loan / i-Loan • Endorsement of the Regional Director or his authorized representative stating that the borrower and/or his family are affected by the calamity Multi-Purpose Loan PSMBFI gives you access to cash to make life a bit easier for you and your family. The term is made lighter as you can stretch the paying period to up to 36 months. Requirements: • The same as Salary Loan / i-Loan Policy Loan If you have been a contributing Equity Plan member for at least 12 months, you can borrow 90% of your Equity Value at a low rate of 8% per year! Requirements: • Duly accomplished loan application form and Authority to Deduct (ATD) forms • Photocopy of borrower’s payslip • Photocopy of PNP ID with three (3) specimen signatures www.psmbfi.com.ph Vol 18 no 1.indd 11 KABALIKAT VOL. 18 NO.1 11 4/13/2015 11:03:24 AM Insurance protection for those who serve and protect T here are qualities that make the Public Safety Mutual Benefit Fund, Inc. stand above other mutual benefit associations and insurance providers. It takes the extra mile in the delivery of services to the members and their families. Gone are the numerous requirements and the long waiting time for the release of the insurance claims. When the unfortunate happens to a member, the advance payment on the insurance claim will be immediately delivered to his family to help them pay for a decent burial for their loved one. The Association exerts extra efforts to locate the beneficiaries and help them secure the necessary documents from various PNP offices so that the processing of their insurance benefits can be made at the soonest possible time. The Association understands the risks that members go through every time they conduct police operations. As PSMBFI members, they are assured of protection with the Wounded-In-Action (WIA) and the Killed-InAction (KIA) benefits, at no additional cost. PSMBFI works to provide life insurance to the modern day heroes. INSURANCE DEATH CLAIM REQUIREMENTS A. For cash advance of insurance claims • Spot report or radio message • Death certificate of member • Photocopy of claimants’ valid IDs with three (3) specimen signatures B. For final payment of death claims • Investigation report • Updated Service Record • Additional Requirements (on a case-to-case basis): 1. Marriage contract with advisory on marriage of both spouses (original with receipt) 2. Birth certificate of the insured with certificate of no marriage (CENOMAR) - if single 3. Certificate of legal beneficiaries 4. Affidavit of guardianship 5. Birth certificate of beneficiary/ies 6. Other documents, as may be required, due to a pending issue 12 KABALIKAT VOL. 18 NO.1 Vol 18 no 1.indd 12 4/13/2015 11:03:25 AM myLife + Enjoy life and do the things you’ve always wanted. You are ready for whatever may come with myLife+, an Equity Plan for the civilian employees of public safety institutions. BASIC LIFE INSURANCE Contributions range from P100 to P700 per month. The life insurance policy includes an Accidental Death Benefit equivalent to the life insurance coverage of the insured. SAVINGS Saving money is easy with myLife+. Financial goals, whether big or small, require some planning and strategizing. While part of your premiums are used to pay for your life insurance, fifty percent is set aside and earns interest, forming your Equity Value. The higher your premiums, the bigger you are able to save. ACCIDENT HOSPITALIZATION BENEFIT* With your myLife+, hospitalization due to an accident is less financially burdensome. PSMBFI shall pay P1,000 for every day of confinement*, up to a maximum of five compensable days per one continuous period of hospitalization due to an accident. *Confinement should at least be 24 hours minimum, to qualify for this benefit. BURIAL ASSISTANCE BENEFIT myLife+ gives you the option to avail of the Burial Assistance Benefit from PSMBFI, for as low as P16 monthly. Being able to prepare for your final moments will prove to be priceless. MORE BENEFITS & PRIVILEGES ID Cash Card Members shall be issued an RCBC ID Cash Card. The Members’ Experience Refund and loan proceeds shall be uploaded to the card. Members’ Experience Refund The Board of Trustees may declare a Members’ Experience Refund for the qualified members of PSMBFI. The amount shall be uploaded to the member’s ID Cash Card. Loan Facilities A member may avail of a salary, policy, emergency or other loan products offered by the company, at reasonable interest rates. www.psmbfi.com.ph Vol 18 no 1.indd 13 KABALIKAT VOL. 18 NO.1 13 4/13/2015 11:03:27 AM Accident Hospitalization Benefit (AHB) The Accident Hospitalization Benefit (AHB) is one of the free benefits for members of the PSMBFI’s Mutual Benefit Equity Plan (MBEP), Members Equity Plan (MEP), and the myLife+ (MEP for non uniformed personnel), who are confined in a hospital due to an accident. PSMBFI shall pay the amount of One Thousand Pesos (P1,000) per day of hospital confinement up to a maximum of five (5) compensable days per one continuous period of accident hospitalization.* The member who was confined in a hospital will be entitled to receive the AHB after the evaluation and approval of the documentary requirements submitted. *Minimum of 24 hours of confinement. Requirements: The AHB may be availed of within 90 days from the date of accident. The member (or his representative, if the former cannot be present due to his physical condition) must submit the following requirements: • • • • • • AHB Claim Form Doctor’s or Medical Certificate Medical Abstract from the Hospital Statement of Account from the hospital Two (2) valid IDs PSMBFI ID cash card Reminders: • Maintenance medicines or prescription medicines for reasons not connected with the accident are not covered by the AHB. • The AHB shall automatically terminate and will not be payable if the Mutual Benefit Fund (MBEP), Members Equity Plan (MEP), and My Life Plus are not in-force. 14 KABALIKAT VOL. 18 NO.1 Vol 18 no 1.indd 14 4/13/2015 11:03:27 AM PSMBFI OFFICES Tel. No. (052) 820-6027 Gaynel B. Micabalo 318-320 Santolan Road corner 1st and 2nd West Crame Streets, Brgy. West Crame Roel A. Magayanes (REO) Bernie E. Flores San Juan City, Metro Manila April Joy N. Duka MAIN OFFICE Tel Nos.: 725-1635 or 726-1675 www.psmbfi.com.ph PRO 1 Camp BGen Oscar Florendo Parian, San Fernando City, La Union Tel. No. (072) 607-1840 Marilyn L. Ines (REO) Jovemil D. Batin Jamaecca E. Ordoña Kennevie G. Lacap PRO 2 Camp Gen Marcelo A Adduru Alimanao, Tuguegarao City, Cagayan Tel. No. 0917-5911193 Napoleon A. Tudlong (REO) Mary Ann T. Lagua Bernadette Canapi PRO 3 Camp Capt Julian Olivas San Fernando, Pampanga Tel. No. (045) 435-1978 / 0927-5449754 JR Ross C. Cavinta (REO) Herminio L. Manzano Mark Joseph M. Novesteras Eunice P. Fernandez PRO 4A (CALABARZON) Camp Gen Vicente Lim Calamba City, Laguna Tel. No. (049) 306-0453 Marlon DG Magpantay (REO) Jonathan Y. Cortez Gabriel C. Encinares John Paolo P. Quinsay PRO 4B (MIMAROPA) Camp Gen Efigenio C Navarro Calapan City, Oriental Mindoro Tel. No. (043) 288-1367 Annalene G. de Guzman (REO) Salvador G. Untalan Dennis DG Anoñuevo Mary Grace Rivera PRO 5 Camp Gen Simeon A Ola www.psmbfi.com.ph Vol 18 no 1.indd 15 Regional Headquarters PRO 6 Tambler, General Santos City Camp Gen Martin Delgado Tel. No. 0922-7406745 Fort San Pedro, Iloilo City Mary Ann Q. Sequerra (REO) Tel. No. (033) 335-0137 John Mark R. Albores Ma. Gladys P. Ebro (REO) Paul DL Nulla Phobet L. Juanitas Wilson Labiao PRO CARAGA Pearla Joy P. Cajelo PRO 7 Camp Rafael C Rodriguez Camp President Sergio Osmeña Libertad, Butuan City Osmeña Blvd., Cebu City Tel. No. (085) 341-8050 Tel. No.(032) 415-5530 / (032) 2561140 Freya S. Ponce (REO) Guillerma A. Abella (REO) Carlos L. Clase Jr Charmaine G. Dagangon Juvic A. Garcia Dolfinito R. Pronda II Anne Jeanneth Godinez PRO ARMM Victor L. Mesiona PRO 8 Darwin E. Battung Legazpi City, Albay PRO 12 Lorena J. Imperial Camp BGen Salipada K Pendatun Camp Sec Ruperto K Kangleon Parang, Maguindanao PC Hills, Palo, Leyte Tel. No. 0905-9293481 Tel. No. (053) 323-4818 Elben A. Ventajar Ferlyn D. Gabalunos (REO) Brazhim K. Moharibain PRO COR Rosalyn R. Solidio Ronald D. Semeniano Camp Gov Bado Dangwa Apple A. Linde La Trinidad, Benguet PRO 9 Tel. No. 0915-9479918 Camp Col Romeo A Abendan Jay Jose Corpuz (REO) Mercedes, Zamboanga City Marichu P. Wallace Tel. No. 0977-1492616 Fernando S. Talavera Mary Ann R. Deita (REO) Bryan Joel G. Gamilde NATIONAL CAPITAL REGION Oliver M. Cumpio Ibrahim S. Sahid Camp Bagong Diwa PRO 10 Taguig, Metro Manila Camp 1Lt Vicente G Alagar Tel. No. (02) 838-4891 Cagayan de Oro City Catherine E. Trimor (REO) Tel. No. (088) 850-3204 Rouelle B. Aggabao (NCRPO) Elmer D. Mendoza (REO) Sheryl C. Pecayo (NCRPO) Emma Concepcion B. Amoguis Davene M. Cabaguing (MPD) John Chester B. Chidrome Xavier R. Dañez (QCPD) Eugene A. Reyes Bobby B. Senobio (SPD) PRO 11 Camp Quintin Merecido Davao City Jayser S. Frias (EPD) Cyrus R. Geronimo (NPD) OSS CLES Tel. No. (082) 234-9311 Center for Law Enforcement Studies Bldg., Frenni Maieh C. Paraiso (REO) Camp Crame, Quezon City Percienette M. Condez Tel. No. (02) 234-1886 KABALIKAT VOL. 18 NO.1 15 4/13/2015 11:03:28 AM 16 KABALIKAT VOL. 18 NO.1 Vol 18 no 1.indd 16 4/13/2015 11:03:28 AM
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