5.4 Pursuant to Act, the NDRRMC formulated MC No. 64, s. 2021 to provide the
guidelines on the accreditation, mobilization and protection of community
disaster volunteers. The specific guidelines on the protection of volunteers states
that the Volunteer Mobilizing Organization (VMO), which is the LGU, is
responsible for providing their ACDVs with personal accident insurance with a
minimum coverage of ₱100,000.00; at a minimum, this insurance must include
coverage for accidental death or dismemberment, permanent disability and
hospitalization cost reimbursement.
5.5 Moreover, NDRRMC-DBM-DILG JMC No. 2013-1 dated March 25, 2013
provides the list of DRRM projects and activities that could be funded by the
LDRRMF.
5.6 In the review of the utilization of LDRRMF, we examined DV No. 01-2024-10-
16055 paid to the Supplier on November 15, 2024, for payment of premiums for
Group Life Insurance of 53 CDRRMO Personnel, composed of nine permanent
and 44 job order personnel, at ₱5,455.00 per person or a total of ₱289,115.00 for
a coverage of one year. The benefits coverage are as follows:
a. Basic Life at least ₱500,000.00
b. Total and Permanent Disability at least ₱500,000.00
c. Accidental Death, Dismemberment & Disablement at least ₱500,000.00
d. Accidental Medical Reimbursement at least ₱50,000.00
e. Hospital Income Benefit ₱500.00 per day
f. Terminal illness Benefit at least ₱250,000.00
g. Family Assistance Benefit at least ₱50,000.00
5.7 In accordance with the guidelines set forth by the NDRRMC, only volunteers
who are accredited by the LDRRMO are eligible for personal accident insurance,
among other benefits. Further investigation revealed that the 44 job order
personnel are all members of the ACDV in the city. This includes five office staff
members, as confirmed by the Roster of Emergency Response Team (ERT)
provided by the LDRRMO to the OCD. The roster was submitted for the
inclusion of these individuals in the National Roster of ACDV, which is
maintained by the OCD through the Response and Operational Coordination
Division – Operations Service (ROCD-OS).
5.8 According to the LDRRMO, permanent employees were included in the group
life insurance because they thought that as member of the ERT, they are also
entitled to the benefits accorded to the volunteers.
5.9 The inclusion of accident insurance for permanent government employees may
be seen as unnecessary because of the existence of already comprehensive
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