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đź“‘ Guardianship vs. Survivorship
| Term | Â Meaning | Example / Scenario |
| Survivorship | A pension or benefit granted to the legitimate beneficiaries (like spouse, children, or dependent parents) of a deceased pensioner or member. | If a pensioner passes away, their wife/husband or minor children receive monthly survivorship pension. |
| Guardianship | A legal arrangement where a person (guardian) is authorized to manage the pension or benefits on behalf of a minor or incapacitated pensioner/beneficiary. | If the survivorship pension is for a 7-year-old child, the SSS/GSIS will require a legal guardian to claim and manage the pension for the child. |
đź“Ś Key Differences:
| Aspect | Â Survivorship | Â Guardianship |
| Who it applies to | The family/beneficiaries of a deceased member/pensioner | A minor or incapacitated pensioner/beneficiary |
| Purpose | Continuation of pension benefits after a member’s death | To legally administer pension benefits on behalf of someone who cannot manage it themselves |
| Requirements | Death certificate, marriage certificate, birth certificates, etc. | Court-issued Letter of Guardianship or SSS/GSIS-approved guardian authorization |
| Duration | Until minor beneficiaries reach age 21 (or become disqualified), or until death of surviving spouse | Until the minor reaches legal age (18 or 21 depending on the agency) or the incapacitated person recovers |
đź“Ś Example Situation:
👩‍🦳 Maria, an SSS pensioner, passes away.
Her 10-year-old daughter Ana is entitled to a survivorship pension.
Since Ana is a minor, her grandmother will need to secure a guardianship appointment to claim and manage Ana’s pension until Ana comes of age.
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