How to Claim Pag-IBIG Contribution: Eligibility, Requirements, Steps

You’ve diligently paid your Pag-IBIG contributions throughout your career. You’re probably wondering where your contributions went and whether you’ve already contributed enough. Most importantly, you’re also probably very eager to know how to withdraw your Pag-IBIG contributions. 

In this guide, learn how to withdraw money from Pag-IBIG and what you need to start the claims process.

What is Pag-IBIG Provident Benefits Claim?

The Pag-IBIG Provident Benefits Claim is a privilege granted to members who meet the eligibility requirements to withdraw their full contribution amount plus interest earned over the years. In short, this Pag-IBIG benefit is every member’s reward for contributing to the Fund. 

The Pag-IBIG Provident Benefits is part of the Fund’s Savings Program, composed of member contributions made through automatic salary deduction or voluntary contribution. 

“Can I claim my Pag-IBIG contributions?” Yes, employed or unemployed Pag-IBIG members who fulfilled 180 to 240 contributions can withdraw their savings in compliance with the claim's terms and conditions. 

When and How to Withdraw Pag-IBIG Contribution?

If you’ve been paying your monthly contributions for years, you may be eligible to file for a Pag-IBIG Provident Benefits Claim already. Here are different ways to do it.

📌 Optional Withdrawal 

Members who meet the following requirements can make an optional withdrawal of Pag-IBIG contributions:

• Pag-IBIG member for 15 years already before the planned withdrawal 
• No outstanding loan with Pag-IBIG upon submission of Provident Benefits Claim
• 180 continuous monthly contributions

Note: Pag-IBIG approves optional withdrawal only if you contributed continuously, without any gaps from the time of your employment. This means that even if you’ve been a member for 18 years, your claim will automatically be declined if you’ve omitted several contributions in the past. 

Optional Withdrawal Requirements:

If you qualify for Optional Withdrawal of Pag-IBIG Savings, prepare the following requirements:

• Original copy of Application for Provident Benefits (APB) Claim (HQP-PFF-285)^[1] 
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member 

📌 Membership Maturity

Members can make a Pag-IBIG maturity claim after 20 years of membership. In this case, you’ll be allowed to withdraw all your contributions and earnings regardless of gaps or intervals.  

A total of 240 contributions (12 months x 20 = 240 months) should be made upon membership maturity. 

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 choose during your membership registration.

Membership Maturity Withdrawal Requirements:

Just like with the Optional Withdrawal, you’ll need to provide the following in making this type of claim: 

• Original copy of Application for Provident Benefits (APB) Claim (HQP-PFF-285) 
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member 

📌 Retirement

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

Compulsory Retirement

This is a type of retirement in which the employee’s age to retire or leave their employment is mandated by law. In the Philippines, the compulsory or mandatory retirement age is 65. 

If you want to make your provident benefits claim for compulsory retirement, you need to prepare the following Pag-IBIG requirements for retirement: 

• Original copy of Application for Provident Benefits (APB) Claim 
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member 
• Photocopy of Order of Retirement Voucher (for members of AFP, PNP, BJMP, BFP), as applicable
• Photocopy of Statement of Service (for a member of AFP), as applicable
• Photocopy of Service Record (for members of PNP, BJMP, BFP) 

Optional Retirement

This type of retirement is granted to individuals who are already 60 years old. If you've been working for several years now and don’t want to wait to reach 65 years old to retire, then availing of the optional retirement may be a good choice. Here are the documents to prepare:

• Original copy of Application for Provident Benefits (APB) Claim 
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member 
• Photocopy of notarized Certificate of Early Retirement (for private employees who are at least 45 years old) 
• Photocopy of GSIS Retirement Voucher (for government employees)

📌 Permanent Total Disability or Insanity

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

• Original copy of Application for Provident Benefits (APB) Claim
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member
• Original copy of Physician’s Certificate/Statement (with Clinical or Medical Abstract)

📌 Separation from Service due to Health Reasons

If you can no longer work because of severe health conditions, you can also make a claim for your Pag-IBIG contributions. Here are the documents you need to provide:

• Original copy of Application for Provident Benefits (APB) Claim 
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member 
• Original copy of Physician’s Certificate/Statement (with Clinical or Medical Abstract) 

📌 Permanent Departure from the Philippines

Members of Pag-IBIG who wish to leave the country for good and settle abroad can withdraw their contributions prior to their departure. This is also applicable to Overseas Filipino Workers who are currently abroad and have been permitted to reside in the host country. 

Prior to your application, prepare the following documents:

• Original copy of Application for Provident Benefits (APB) Claim 
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member 
• Photocopy of passport with Immigrant Visa/Residence Visa/Settlement Visa 
• Original copy of Sworn Declaration of Intention to Depart from the Philippines Permanently^[2] (HQP-PFF-031, notarized; no need to submit if already based abroad)

📌 Death

The death of a Pag-IBIG member automatically qualifies their beneficiaries for a provident benefits claim. The amount to be claimed depends on the status of the member prior to his death. 

Active members at the time of death can receive a death benefit amounting to ₱6,000 regardless of the total exact value of contributions. 

Inactive members at the time of death are eligible to receive their total contribution or ₱6,000, whichever is lower. 

If the member applied for Total Accumulated Value offsetting before death, the benefit amount would depend on the membership status before the death. If the member is inactive before his death, the total contributions before the offsetting will be considered. 

These are the requirements to be prepared by the member’s legal heirs to facilitate their claims: 

Death Claim Requirements- Married with Child/Children

• Original copy of Application for Provident Benefits (APB) Claim 
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member/claimant 
• Photocopy of Certificate of Member issued by PSA or LCRO 
• Original copy of Proof of Surviving Legal Heirs^[3] (HQP-PFF-030, notarized)
• Photocopy of Marriage Certificate issued by PSA or LCRO and Advisory on Marriage (if the immediate family member is the claimant) 
• Photocopy of Birth Certificate issued by PSA or Baptismal Certificate 
• Original copy of notarized Affidavit of Guardianship^[4] (HQP-PFF-028; if with child/children below 18 years old, or if child/children is/are physically or mentally incompetent)
• To establish kinship with the member, the claimant shall submit either of the following:
  • Birth Certificate issued by PSA or a photocopy of the Baptismal Certificate 
  • Photocopy of Non-availability of Birth Record issued by PSA and original copy of notarized Joint Affidavit of Two Disinterested Persons (HQP-PFF-029)

Death Claim Requirements - Married (without child/children but with Surviving Parent/s)

• Original copy of Application for Provident Benefits (APB) Claim
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member/claimant 
• Photocopy of Death Certificate of Member issued by PSA or LCRO 
• Original copy of notarized Proof of Surviving Legal Heirs (HQP-PFF-030)
• Photocopy of Marriage Certificate issued by PSA or LCRO and Advisory on Marriage (if the immediate family member is the claimant)
• To establish kinship with the member, the claimant shall submit any of the following:
  • Photocopy of Birth Certificate issued by PSA or Baptismal Certificate 
  • Photocopy of Non-availability of Birth Record issued by PSA and original copy of notarized Joint Affidavit of Two Disinterested Persons^[5] (HQP-PFF-029)

Death Claim Requirements - Single with Child/Children

• Original copy of Application for Provident Benefits (APB) Claim 
• Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member/claimant 
• Photocopy of Death Certificate of Member issued by PSA or LCRO 
• Original copy of notarized Proof of Surviving Legal Heirs (HQP-PFF-030)
• Photocopy of Certificate of No Marriage issued by PSA (if the deceased member is single)
• Photocopy of Birth Certificate issued by PSA or Baptismal Certificate 
• Original copy of notarized Affidavit of Guardianship (HQP-PFF-028; if with child/children below 18 years old, or if child/children is/are physically or mentally incompetent)
• To establish kinship with the member, the claimant shall submit either of the following:
  • Photocopy of Birth Certificate issued by PSA or Baptismal Certificate
  • Photocopy of Non-availability of Birth Record issued by PSA and original copy of Joint Affidavit of Two Disinterested Persons (HQP-PFF-029)

Note: Check the complete checklist of requirements for provident benefits claim^[5] on the Pag-IBIG website.

How to Withdraw Pag-IBIG Contribution 

Now that you know more about your Pag-IBIG contributions, it’s time to learn how to withdraw your savings. Here’s a step-by-step guide on how to claim your Pag-IBIG contribution.

1. Prepare Your Valid ID

Aside from the documents mentioned above, you should have a valid government-issued ID. Prepare any of the following:

• Driver’s License
• Passport
• PRC license from the Professional Regulation Commission
• Barangay Certificate
• Voter’s ID
• Postal ID
• Other valid IDs on Pag-IBIG's list^[6]

2. Accomplish the Application for Provident Benefits (APB) Claim Form

Make sure all information you provide is correct. Moreover, prepare the necessary documents depending on the type of withdrawal benefit. 

For instance, if you’re claiming a death benefit on behalf of a Pag-IBIG member, you must prepare documents proving your relationship with the claimant. These documents include birth certificates, marriage certificates, and notarized proof of surviving legal heirs. 

3. Submit the Documentary Requirements at the Nearest Pag-IBIG Branch 

Pag-IBIG provident benefits claims can be processed at any Pag-IBIG branch because member records are centralized. However, you may want to check online or call their hotline first to ensure your claim will be accommodated in the nearest branch.

4. Pag-IBIG Will Review Your Submission 

After you submit your Pag-IBIG provident claim requirements, they will be reviewed and verified to see if you qualify. As mentioned earlier, members with outstanding loans will not be allowed by the Fund to claim their contributions.

5. Wait for Feedback on Your Application  

When the verification is complete, Pag-IBIG will issue a Provident Benefits Acknowledgment Receipt (HQP-PFF-061).^[7] This document will serve as proof of your submission and Pag-IBIG’s acknowledgment.

👉 How to Claim Pag-IBIG Contribution Online 

Check the steps below to guide you through the online claims process:

1. Download, print, and fill out the Application for Provident Benefits (APB) Claim form. 

2. Scan or take a photo of the filled-out application form and all the required documents. Save all the scanned files or images on a drive that you can easily access online. 

3. Go to the Pag-IBIG Fund website^[8] and click on Virtual Pag-IBIG for Members under E-Services. 

4. Tick the box in Data Privacy and click Proceed. You’ll then be redirected to the Virtual Pag-IBIG website. 

5. You don’t need to register or create an account for the next step. Just click on Claim Pag-IBIG Savings. 

6. You’ll then be redirected to the next page, where you’ll choose from the following options:

7. You’ll notice that other categories for provident benefits claims are not listed, like death, permanent departure, or separation from service. Just select the option that applies to your claim. 

8. If you’re claiming Pag-IBIG retirement benefits, these are what you need to prepare:

9. Once your documents are complete, click Proceed. The system will now try to validate your account. You’ll need to provide your Pag-IBIG Membership ID number. If you don’t have your Membership ID number, you must register^[9] for one first.

10. After you enter your Membership ID number, click Validate. The system will provide its feedback in seconds.

11. Once your account is validated, you must upload all scanned documents to the site. If the system accepts your submission, you’re done with your application.

Read more: Pag-IBIG Online Registration Guide: How to Get Your Pag-IBIG Number Online

How to Withdraw Pag-IBIG Contribution: FAQs 

1. Who may file a Pag-IBIG Provident Claim application?

Any active member, their dependents, legal heirs, or representatives can file for a Pag-IBIG membership maturity claim. If the active or inactive member dies, the spouse, parent, children, siblings, grandparents, legally adopted children, and grandchildren can make a claim.  

2. How much provident benefit fund can I claim?

The provident benefit amount depends on the total contribution, the employer’s contribution, and the dividend earnings credited to the member’s fund. 

Pag-IBIG Benefits = Total Contribution + Employer’s Contribution + Dividend Earnings

However, there are instances when the employer’s contributions are not complete. You should also note that dividend earnings differ annually. 

3. How long does Pag-IBIG Provident Claim processing take?

The standard processing time of any provident claim is eight working days. If Pag-IBIG does not contact you after eight to 20 working days, you may follow up through its hotline: (02) 87244244. 

Once you receive a confirmation, you will receive your check details after five working days. 

4. How will the provident benefits be paid? 

Pag-IBIG will provide the amount, date, check number, and issuing bank via SMS, email, or call. Bring your valid IDs when collecting your Pag-IBIG membership maturity claim.

5. How do I claim my Pag-IBIG proceeds on the scheduled pickup date?

If the proceeds will be released through a check, go to your Pag-IBIG office and present your claim stub with your two valid IDs at the cashier. 

If through your disbursement card or payroll account, proceed to any accredited ATM or bank. Check if the amount has been credited, and then make a withdrawal.

5 Tips to Ensure Fast Provident Claim Processing and Approval

Here are a few things to remember if you want your provident benefit claims to be processed without delays:

1. Submit photos and documents that are acceptable to Pag-IBIG. For example, your selfie should show the same ID you will submit for verification. Failure to comply with the requirements will cause delays because you must repeat the step.  
2. Check Pag-IBIG’s social media pages before heading to a branch near you. Pag-IBIG regularly releases advisories on available services at specific branches. You can also call their hotline at (02) 8724 4244 for further inquiries. 
3. Make sure your contact details are correct and updated. If you provided your email address, regularly check for email updates from Pag-IBIG. Ensure your mobile number is also correct and updated when completing the form. 
4. Read all eligibility requirements for your provident benefit claims. If you’re not sure whether your loans have been fully paid or if you already qualify for the claim, inquire and check first before starting with the application process. 
5. Check the Pag-IBIG Fund website. If you haven’t received any updates from Pag-IBIG after submitting your claim, you can check if your name is included in the List of Members With Remaining Claims With the Fund.^[10]

Read more: Pag-IBIG MP2 Guide: How to Enroll and Invest in MP2 Savings Program

Final Thoughts

The monthly deductions for your Pag-IBIG regular savings will pay off when your retirement comes, as long as you know how to withdraw your Pag-IBIG contribution. 

For a minimum contribution of just ₱100 every month, your future will be more financially secure. It’s a long and inexpensive investment with a great retirement payoff.

Sources:

• ^[1] Application for Provident Benefits (APB) Claim
• ^[2] Declaration of Intention to Depart from the Philippines Permanently
• ^[3] Proof of Surviving Legal Heirs
• ^[4] Affidavit of Guardianship
• ^[5] Provident Benefits Claim Checklist of Requirements
• ^[6] Pag-IBIG's List of Valid IDs
• ^[7] Provident Benefits Acknowledgment Receipt
• ^[8] Pag-IBIG Fund website
• ^[9] Pag-IBIG Fund Online Registration System
• ^[10] List of Members With Remaining Claims With the Fund