Flashcards Studio

Scenario: A GSIS member, Adrian, is not married and has one dependent: his elderly mother Maria. He designates his sister Carina as the sole beneficiary of his GSIS life-insurance benefit and names no contingent beneficiary. After Adrian's death, Maria and Carina claim the life-insurance proceeds, while Carina asserts she is the designated beneficiary and entitled to the payment. (a)Define who are the dependents entitled to GSIS survivor benefits under RA 8291 and whether Maria qualifies as a dependent in this context. (b)Distinguish between a 'beneficiary' (the person designated to receive life-insurance benefits) and a 'dependent' (a person who may qualify for survivor benefits) under the Act, including who may designate a beneficiary and what happens if the designated beneficiary predeceases. (c)Apply to the facts: who is entitled to the GSIS proceeds in Adrian's case, and what are the possible outcomes if Carina predeceases Adrian or if a contingent beneficiary exists.