The PSMBFI Accidental Disablement Benefit is a financial support package given to members of Philippine Social Mutual Benefit Fund, Inc. (PSMBFI) who suffer total permanent loss or partial permanent loss due to an accident. It serves as an accident assistance program designed to ease the financial burden of members, usually police officers and uniformed personnel, and their families when unexpected situations lead to disablement. The benefit amount depends on the severity of the injury or disability, ensuring that those who dedicate their lives to public safety receive proper coverage during unforeseen situations. It is part of PSMBFI’s insurance program that extends protection to police personnel and other uniformed service members, including their dependents.
This guide explains what the PSMBFI Accidental Disablement Benefit is about, who can apply, its coverage, goals, and the process of availing the assistance. If you are a police officer, public safety worker, or a dependent of one, then this will help you understand how the benefit works and how you can use it when needed.
Purpose and Goals
The main goals of the PSMBFI Accidental Disablement Benefit are:
- To provide financial assistance to members who suffer disablement caused by accidents.
- To support PNP dependents and uniformed personnel who may experience partial or total disability while in service.
- To serve as accident assistance for families, lessening financial stress when a member becomes disabled.
- To uphold the mission of PSMBFI in offering insurance protection for police officers and other government safety workers.
Scope and Coverage
The benefit covers permanent injuries and disablements resulting from accidents. The percentage of benefit depends on the type and extent of loss or disablement suffered.
Full (100%) Benefit Coverage
- Loss of life
- Loss of two limbs
- Loss of both hands or all fingers and both thumbs
- Loss of both feet
- Total loss of sight in both eyes
- Injuries causing permanent bedridden state
- Any injury leading to permanent total disablement
Partial Benefit Coverage
- Loss of arm at or above elbow: 70%
- Loss of arm between elbow and wrist: 60%
- Loss of one hand: 60%
- Loss of four fingers and thumb of one hand: 50%
- Loss of four fingers: 35%
- Loss of thumb: 15%
- Loss of index finger: 10%
- Loss of middle finger: 6%
- Loss of ring finger: 5%
- Loss of little finger: 4%
- Loss of metacarpals (1st & 2nd additional): 3%
- Loss of metacarpals (3rd, 4th & 5th additional): 2%
- Loss of leg at or above knee: 60%
- Loss of leg below knee: 60%
- Loss of one foot: 50%
- Loss of all toes on one foot: 25%
- Loss of big toe: 5%
- Loss of other toes (each, except big toe): 1%
- Loss of sight in one eye: 50%
- Loss of hearing in both ears: 50%
- Loss of hearing in one ear: 25%
Who Can Avail?
To file the claim, you just need to make sure that you are able to do so by checking your eligibility according to the following guidelines:
- Eligible Members: Any PSMBFI member who suffers total permanent loss or partial permanent loss due to an accident.
- Members can be from the following agencies:
- Philippine National Police (PNP)
- National Police Commission (NAPOLCOM)
- Bureau of Fire Protection (BFP)
- DOTr: Office of Transportation Security
- Philippine National Police Academy (PNPA)
- Philippine Coast Guard (PCG)
- National Mapping and Resource Information Authority (NAMRIA)
- Metropolitan Manila Development Authority (MMDA)
- Philippine Public Safety College (PPSC)
- Department of Environment and Natural Resources (DENR)
- Bureau of Immigration (BI)
- Land Transportation Office (LTO)
- Bureau of Corrections (BuCor)
- Philippine Drug Enforcement Agency (PDEA)
- Dependents: Family members benefit indirectly since financial assistance is extended to the disabled member, helping cover medical and daily living needs.
Requirements
Here are the required documents that you will need to prepare before filing a PSMBFI Accidental Disablement Benefit claim:
- Investigation Report (1 copy)
- Certificate of Permanent Disability from attending physician (within 6 months after the incident) (1 copy)
- Photo of affected body part (1 copy)
- Service Record (1 copy)
- Payslip (1 copy)
- Company ID (PNP/PCG/BFP, etc) (1 copy)
How to File a Claim
Once the required documents are ready, you can simply follow these steps and avail of the benefits that come with it:
Step 1. Report the Accident
In case of an accident resulting in disablement, immediately report it to PSMBFI through your agency or unit.
Step 2. Submit Documents
Prepare necessary documents such as medical certificates, accident reports, and proof of membership.
Step 3. Processing and Evaluation
PSMBFI evaluates the extent of disablement and computes the benefit amount according to the coverage schedule.
Step 4. Receive Assistance
Approved claims are disbursed directly to the member or their dependents.
Note: Police recruits and other eligible personnel must first apply for PSMBFI membership through their unit. Continuous contributions are required to keep coverage active.
Fees, and Application Processing and Timeline
There are no processing fees when filing a claim for the Accidental Disablement Benefit, which makes it more accessible to members in need. However, this is limited to members only. They will also need to prepare and submit the required documents at the nearest PSMBFI office or through their accredited customer service channels, where the staff can offer guidance on how to initiate the claim. Once the complete documents are submitted, the evaluation and processing period typically takes a few weeks, depending on the nature of the claim and completeness of requirements, but claims like this are generally acted upon promptly once requirements are in order. To avoid further delays, members are encouraged to provide accurate information and to coordinate with PSMBFI for updates.
Video: Joining PSMBFI
The PSMBFI Accidental Disablement Benefit is more than just insurance coverage—it is a financial lifeline for police officers, PNP dependents, and other uniformed personnel who face high occupational risks. Its structured accident assistance, along with the other programs it offers, are all designed to help members cope with the unexpected. For uniformed personnel who put themselves in danger to protect the public, the first step to enjoying this benefit is to join as a member. To learn more about joining PSMBFI, you may check out this video:
Where to Inquire or Ask for Assistance
For more details about PSMBFI benefits and membership, you can visit their official website: https://www.psmbfi.com.ph or reach out through:
- Facebook (official account): https://www.facebook.com/psmbfi/
- Customer Care Hotline: 0917-8665872