The Complete Guide to Claiming Your Pag-IBIG Contributions


Published on: November 16, 2018 Last updated: November 18, 2020

Pag-IBIG contributions

You’ve diligently paid your Pag-IBIG contributions throughout your entire career. And now, you think it’s time to get your investment back.

How to claim Pag-IBIG contribution, you wonder. Read on this guide to know the proper way to withdraw your savings.

When Can You Withdraw Pag-IBIG Contributions?

But first, it’s important to confirm first if you can already claim your Pag-IBIG savings. You can claim your Pag-IBIG savings, also called Provident Benefits Claim, when you meet any of these conditions:

1. Membership Maturity

You’ve paid your Pag-IBIG contributions for at least 20 years, equivalent to 240 monthly payments.

If you’re a Pag-IBIG Overseas Program (POP) member, you can claim your contributions at the end of five, 10, 15, or 20 years, depending on the option you chose during your membership registration.

Check this guide to learn the ways to check your Pag-IBIG contribution payments.

2. Retirement

When you reach 65 years old, you’ll be under compulsory retirement and thus eligible to claim your Pag-IBIG contributions. You may retire earlier at age 60, from the SSS, GSIS, or government service, or under your private employer’s retirement plan, as long as you’re at least 45 years old.

3. Permanent Total Disability or Insanity

Pag-IBIG members with physical and/or mental disability due to an illness or injury, causing inability to work or run a business, may apply for Provident Benefits Claim.

4. Separation from Service due to Health Reasons

If you can no longer work because of severe health conditions, you can make a claim for your Pag-IBIG contributions. You need a doctor’s certification for this.

5. Permanent Departure from the Philippines

You can withdraw your Pag-IBIG savings before you leave the Philippines to live permanently abroad. But you have to show proof that your new country of residence has allowed you to live there indefinitely.

6. Death

For deceased Pag-IBIG members, their heirs, authorized representatives, or any appointed court administrator or executor can file the application for Provident Benefits Claim.

List of Pag-IBIG Provident Claim Requirements

Application for Provident Benefits (APB) Claim form

Basic Requirements for Pag-IBIG Provident Claim

  • Filled out Application for Provident Benefits (APB) Claim form
  • Original copy and photocopy of two valid IDs (including Pag-IBIG Loyalty Card, if any)
  • For government employees: updated service record
  • For members who can’t claim personally: Special Power of Attorney and two valid IDs each of the member and an authorized representative

Additional Requirements for Different Types of Provident Claims

1. Membership Maturity
For POP members: POP Passbook
2. Retirement

  • NSO-issued birth certificate, SSS or GSIS Retirement Voucher, or at least two valid IDs with birthdate, photo, and signature
  • For private employees aged 45 above: notarized Certificate of Early Retirement
  • For AFP, Philippine Navy, and Army members: Order of Retirement, Updated Statement of Service, and Statement of Last Payment

3. Permanent Total Disability or Insanity

  • Certification or statement from a physician
  • For private employees: SSS Total Disability Voucher
  • For AFP, Philippine Navy, and Army members: Updated Statement of Service, Statement of Last Payment, and Compulsory Disability Discharge (CDD) Order

4. Separation from Service due to Health Reasons

  • Certification or statement from a doctor
  • Notarized sworn employer’s Certification of member’s employment termination due to health reasons
  • For private employees: latest SSS Disability Voucher

5. Permanent Departure from the Philippines

  • Notarized Sworn Declaration of Intention to Depart from the Philippines Permanently
  • Photocopy of passport
  • Immigrant visa, residence visa, settlement visa, or any other equivalent document

6. Death

  • NSO-issued death certificate of member
  • Notarized Proof of Surviving Legal Heirs
  • For deceased members with children: NSO-issued birth certificate or baptismal/confirmation certificate of all children
  • For deceased members with minor or PWD children: notarized Affidavit of Guardianship

Pag-IBIG also requires the following documents from claimants to prove the relationship with the deceased member:

  • NSO-issued birth certificates of the member and claimant
  • In the absence of birth certificate: Non-Availability of Birth Record from NSO and notarized Joint Affidavit of Two Disinterested Persons
  • Certified true copy of the member’s and claimant’s baptismal or confirmation certificate
  • For single members: Certificate of No Marriage (CENOMAR)
  • For married members: NSO-issued marriage certificate and Advisory on Marriage

Back to the main article: 9 Pag-IBIG Benefits You Probably Didn’t Know Yet

How to Claim Pag-IBIG Contribution

Instagram photo by @stfhnsvll

Filing your application for Provident Benefits Claim is easy and won’t take you longer than an hour.

Steps to File a Pag-IBIG Provident Benefits Claim

  1. Visit the Pag-IBIG branch where you have a membership record.
  2. Submit all the requirements.
  3. The staff will check their records to verify if you have filed for Provident Benefits Claim and have any unpaid Pag-IBIG housing loan, Pag-IBIG multi-purpose loan, or Pag-IBIG calamity loan. Wait for the verification process to complete.
  4. The staff will issue a Provident Benefits Acknowledgment Receipt to you. This claim stub indicates the date for pick-up of your check.

Processing of Pag-IBIG contribution claims takes around eight working days (or 20 working days if you have records with other Pag-IBIG branches).
Claim your proceeds on your scheduled pick-up date. Here’s how:

  • If released through check, go to the Pag-IBIG office and present your claim stub and two valid IDs at the Cashier.
  • If released through your payroll account or disbursement card, go to any accredited ATM or bank and check then withdraw the proceeds.

Final Thoughts

In some cases[1], it takes longer to process an application when a member has a namesake in Pag-IBIG records. Worse, some members get surprised upon finding out that a scammer has already claimed their Pag-IBIG contributions using their identity. So whether you’re claiming your savings anytime soon or not, always take the time to check your Pag-IBIG membership records and contribution payments.


Written By:

Venus is the Head of Content at Moneymax, with 15+ years of experience in digital marketing, corporate communications, PR, and journalism. She invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. Outside of work, she's crazy about cats and Korean dramas. Follow Venus on LinkedIn.