Manila, April 1 -- The Government Service Insurance System (GSIS) will implement Balik Ginhawa, a modified three-month loan moratorium to provide financial relief to government workers amid the impact of rising living costs.

In a news release on Wednesday, the GSIS said that unlike a traditional loan moratorium where members temporarily stop paying and receive the benefit gradually over several months, Balik Ginhawa provides assistance through a refund mechanism, allowing members to receive the equivalent of three months' loan amortizations in one lump sum.

Under the program, GSIS will continue loan deductions.

The equivalent of three months of loan amortizations covering December 2025 to February 2026 will be returned to members throu...