You are convinced that PAG-IBIG could help you in boosting your savings, which is why you made sure you diligently paid your contributions every month. After years of paying, you felt that you deserve to get your investment back.
The question is how.
Don’t worry. This post will tell you everything you need to know about how to claim your PAG-IBIG contributions.
But first, can you just withdraw your contributions anytime you like?
The answer is no. In fact, there are conditions that will allow you to withdraw. These conditions include:
1. Maturity
This means you made contributions for at least 20 years or an equivalent of 240 monthly contributions.
In case you are still under the PAG-IBIG Overseas Program (POP), which is different from the present PAG-IBIG savings, you may withdraw your money on the 10th, 15th, or 20th year, depending on what you chose during your registration. Simply present your POP passbook to make a claim.
2. Permanent Departure from the Philippines
In case you plan to leave the country and live abroad permanently, then you may opt to withdraw your contributions even without meeting the 240 monthly contributions requirement.
Still, PAG-IBIG needs proof that you are not coming back and that the country you plan to live in allowed you to stay there. Therefore, you must submit:
- Notarized Sworn Declaration of Intention to Depart from the Philippines Permanently. You can get a copy of the form here.
- Photocopy of passport
- Residence visa, immigrant visa, settlement visa, or any other equivalent documents
3. Retirement
As long as you reach 65 years of age, also known as the compulsory retirement, you may opt to claim your contributions from PAG-IBIG. In case you retire early, say 60 years old, then you can also claim for your contributions as long as you are at least 45 years old.
You need to submit the following documents to make a claim:
- NSO-issued birth certificate
- SSS or GSIS retirement voucher
- At least two valid IDs with photo, birthdate, and signature
- Notarized Certificate of Early Retirement for private employees above 45 years of age
- Order of Retirement, Updated Statement of Service, and Statement of Last Payment for AFP, Philippine Army, and Navy members
4. Separation from Service due to Health Reasons
PAG-IBIG also allows you to claim your contributions in case you can no longer work due to severe health condition. To claim, you must submit:
- Statement of Certification from a doctor indicating such condition
- Notarized sworn employer’s Certification of member’s employment termination due to health reasons
- Latest SSS Disability voucher in case you are a private employee
5. Permanent Total Disability or Insanity
PAG-IBIG members may also claim contributions in case of physical or mental disability as a result of illness or injury. Said condition must render the claimant unable to work or run a business.
The claimant must submit the following documents:
- Certification or statement from physician indicating such condition
- SSS Total Disability Voucher for private employees
- Updated Statement of Service, Statement of Last Payment, and Compulsory Disability Discharge (CDD) Order for AFP, Philippine Army, and Navy members
6. Death
For deceased PAG-IBIG members, their heirs, authorized representatives, or appointed court administrator or executor may file for a claim. In doing so, the following documents must be submitted:
- NSO-issued death certificate
- Notarized Proof of Surviving Legal Heirs (you can get a copy of the form here)
- In case the deceased member has children, NSO-issued birth certificate/s or baptismal / confirmation certificate for ALL the children
- In case the deceased member has minor children or children with PWD, submit a notarized Affidavit of Guardianship. You can get a copy of the form here.
PAG-IBIG will need proof of relationship between the deceased member and the person processing the claim (claimant). Therefore, the following documents must be submitted:
- NSO-issued birth certificate for both the deceased member and claimant
- Non-availability of Birth Record from NSO and notarized Joint Affidavit of Two Disinterested Persons in case birth certificates cannot be presented.
- Certified True Copy of the claimant’s and deceased member’s baptismal or confirmation certificate
- Certificate of No Marriage (CENOMAR) for single members
- NSO-issued Marriage Certificate and Advisory on Marriage for married members
Basic Requirements Needed to File for a Claim
- Completely filled out Application for Provident Benefits (APB) Claim form. You can get a copy here.
- PAG-IBIG Loyalty Card (in the absence of the loyalty card, two valid IDs will do)
- Original and photocopy of one valid ID of the member
- Special Power of Attorney (get a copy here) in case the member cannot claim personally
Now that your documents are ready, here’s how you can file and claim for PAG-IBIG contributions:
1. Visit the PAG-IBIG branch where your membership records are found.
2. Submit basic requirements and corresponding documents.
3. Once verified, PAG-IBIG representative will issue Provident Benefits Acknowledgement Receipt. The receipt indicates when you can claim your check.
Take note that you also have the option to have the amount credited to your bank account.
Tips to Remember when Filing a Claim
- Make sure you have no unpaid, existing loans with PAG-IBIG such as Housing Loan, Calamity Loan, or Multi-Purpose Loan. Any unpaid loans will affect the status of your claim.
- Check if you have records in other PAG-IBIG branches. Records in multiple branches could slow down the processing time.
- Make it a habit to check your contribution payments regularly. This is to ensure that payments were made by YOU and no contributions were withdrawn without your consent. This will avoid issues in the future in case you decide to claim.
- If you opt to claim the proceeds of your contributions via check payment, then don’t forget to bring two valid IDs to prove identity.
How to withdraw my contribution in pag ibig fund.?
Hi Anally. Please check the post for the requiremens and procedure on how to claim your contributions. You can also fill out this form (https://www.pagibigfund.gov.ph/DLForms/providentrelated/PFF285_ApplicationProvidentBenefitsClaim_V03.pdf), which also indicates the procedure on how to claim your contributions. Thanks.
Hello sir/ma’am..tatanong kulang nawala kasi ID ko pwede ba ako maka claim pa rin nang retirement..makita po ba sa systems nila khit Complete Name lang ibigay ko..pls.response thank you!.
Hello! Yes, you can still claim. Just make sure to bring two valid IDs (must reflect birth date) in lieu of the PAG-IBIG ID.
Good day sir,hello.in my case,can I allow to withdraw my Pagibig contribution ?my housing loan are totally paid.
Hi Ernesto. There are only six reasons that allow you to withdraw your PAG-IBIG contribution and full payment of housing loan is not among the reasons specified. Thanks.
I am not sure if I had been paid my pag ibig benefits or if I am entitled to some payments. I worked with the ministry of human settlements from 1979 to 1989. I migrated to Canada in 1989. I am now 72 years old. I will appreciate it very much if you will reply to my inquiry.
Hi Amelia. Please contact PAG-IBIG directly regarding this since they have access to your account. You may email them at contactus@pagibigfund.gov.ph
hi maam,concern ko po pwede ko po bang bawiin ung nacontribute ko,kasi gusto ko na pong mgstop sa pagibig eh,salamat po…
Hi Reb! We don’t know if PAG-IBIG will allow you to get back your contributions. Our understanding is if ayaw niyo na ituloy ang pag-hulog, forfeited na ang naging contributions niyo.
How to claim voluntary my funds in pagibig
Hi Brix. The post enumerated the steps on how to claim your PAG-IBIG contributions 🙂
Dear Sir/Ma’am,
Good Morning & sorry for bothering. Today (July 8, 2019) exactly 3 months passed to receive my Pag ibig benefit. Please kindly check the status.
Hi Felix. Please contact PAG-IBIG regarding your contribution so they could assist you better. Thanks!
Dear Sir/Ma’am,
Good Morning. Please & kindly check when do you issue/send my retirement cheque. Its more than 3 months passed. Thanks for your kind attention & consideration.
Kind Regards,
Felix M. Agtarap
Moble: 0977-244-68-02
Hi Felix. Please contact PAG-IBIG directly regarding this. We are not affiliated with them po. Thanks!
Hello. I’m not yet in my 60’s but I’ve already reached the maturity contribution of 20-years. I want to withdraw my investment with Pag-Ibig. If I do, I will just start over again to zero, right since I’m still working so, it means I’m still an active Pag-Ibig member correct? Please give clarification on this. Thanks!
Hi Marge! We suggest that you raise this concern directly to PAG-IBIG since they are more familiar with this. We don’t want to give wrong information regarding this concern. You may call them at 8-724-4244 or send them a message at contactus@pagibigfund.gov.ph
How to withdraw my contribution? Because im not sure if to continue to paid my contribution
Hi Isagani. You cannot withdraw your contributions if you wish to discontinue. Previous contributions will be forfeited.
can i apply for a loan,,just resigned from my work for 8years, needed fund to established my own business,,
Hi Dyan! If you have updated contributions, then yes, you can apply for a loan. You can read more about it here – https://www.pagibigfund.gov.ph/STL_MPL_Calamity.html
already reached the 20years of contributions can i withdraw even i have existing housing loan
Hi Carol. Unfortunately, you can’t. The housing loan must be paid first before you can withdraw. Thanks!
8 years n po akng stop s work…nag work po ng 17 years , ….. wala n po akong work ngaun….. may mkukuha p rin b akung pag ibig contibution.
Hi Lovelyn. Its possible na forfeited na since 8 years na hindi nahulugan ang iyong account.
Good eve.
Hi ma’am ask ko lang po kung pwede pa po ba kaya akong makapag loan sa pag ibig? Last hulog ko last year po.mga june 2019 po,finish na kasi yung project ng dati kong work.makaka avail pa po kaya ako ng loan? At anu mga need po para makapag loan.porpose ko po is mag business sana..thank you po.
Hi Marjorie. You need to update your contributions first by paying the required amount from July 2019 to present.
Hello po, tanong ko lang po if matagal po ba na stop sa paghuhulog ng contribution ay ma -forfeit po ang acct?. Thank you sa sasagot?.
Hi Melanie. Yes, may posibilidad na ma-forfeit ang iyong naging contribution. To make it up-to-date, dapat mabayaran ang months or years na hindi kayo nakapaghulog.
hi! ….just wanna ask if i can still get my 15 years lump sum even i have an existing multi purpose loan? or ibabawas b nila ito sa makukuhang lump sum?
Hello Jesse. As per PAG-IBIG, you cannot get your contributions if there is a pending loan.
Hi, may I ask kung pwede ko ma withdraw ang contribution ko nag close kasi ang company namin way back 2004 pa and since then d na ako nkapasok s isang company..around 10 yrs din ako nakapag contribute sa pagibig nung employee pa ako..do you think pde ko i withdraw ang contribution ko?thank you
Hi Dennis. Dapat ay updated ang contributions para you can get your benefits.
Malaki po ba ang interest at penalty kasi may naiwan po akong loan nung 2016 pa.may makuha pa kaya ako.
Hi Suzie! We’re not sure how much is the interest and penalty fees imposed by PAG-IBIG. You may contact them directly so they could also check your loan. Thanks!