how to withdraw Pag-IBIG contribution | Moneymax

You’ve diligently paid your Pag-IBIG contributions throughout your entire 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 Pag-IBIG contribution. 

This detailed Moneymax guide will teach you how to claim your money from the Pag-IBIG Fund 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 have met the eligibility requirements to withdraw their full contribution amount plus interests 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. 

Employed or unemployed Pag-IBIG members who have fulfilled 180 to 240 contributions can withdraw their savings in compliance with the claim’s terms and conditions. 

How and When Can I Withdraw my Pag-IBIG Contributions?

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

1. Optional Withdrawal 

The optional withdrawal of Pag-IBIG contributions can be done by members who meet the following requirements:

  • 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 have contributed continuously or 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:

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

2. Membership Maturity

Members can make a Pag-IBIG membership maturity claim after 20 years of membership. In this case, you’ll be allowed to withdraw all your contributions and their 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 chose during your membership registration.

how to withdraw Pag-IBIG contribution - 240 contributions

Membership Maturity Withdrawal Requirements:

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

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

3. Retirement

When you reach the age of 65, you’ll be under compulsory retirement. And this makes you eligible to claim your Pag-IBIG contributions. You may retire earlier at age 60 with the SSS or GSIS, or under 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, these are the requirements: 

  • Application for Provident Benefits (APB) Claim (Original)
  • Pag-IBIG Loyalty Card Plus or one (1) valid ID of the member (Photocopy)
  • Order of Retirement Voucher (for members of AFP, PNP, BJMP, BFP) (Photocopy), as applicable
  • Statement of Service (for a member of AFP) (Photocopy), as applicable
  • Service Record (for members of PNP, BJMP, BFP) (Photocopy)

Optional Retirement

This type of retirement is granted to individuals who are already 60 years old. If you or a loved one has been working for several years now and can’t 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: 

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

4. 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. The documents you need to prepare are the following: 

  • Application for Provident Benefits (APB) Claim (Original)
  • Pag-IBIG Loyalty Card Plus or one (1) valid ID of the member (Photocopy)
  • Physician’s Certificate/Statement (With Clinical or Medical Abstract) (Original)

5. 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:

  • Application for Provident Benefits (APB) Claim (Original)
  • Pag-IBIG Loyalty Card Plus or one (1) valid ID of the member (Photocopy)
  • Physician’s Certificate/Statement (With Clinical or Medical Abstract) (Original)

6. 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 
  • A Photocopy of Pag-IBIG Loyalty Card Plus or one valid ID of the member 
  • Passport with Immigrant Visa/Residence Visa/Settlement Visa (photocopy)
  • Sworn Declaration of Intention to Depart from the Philippines Permanently[2] (HQP-PFF-031, notarized) (No need to submit if already based abroad) (original)

7. Death

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

Active members at the time of death can receive a death benefit amounting to PHP 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 PHP 6,000, whichever is lower. 

If the member applied for Total Accumulated Value offsetting before death, then the amount of benefit will depend on the membership status prior to the death. If the member is inactive before his death, then 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

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

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

  • Application for Provident Benefits (APB) Claim (Original)
  • Pag-IBIG Loyalty Card Plus or one (1) valid ID of the member/claimant (Photocopy)
  • Death Certificate of Member issued by PSA or LCRO (Photocopy)
  • Proof of Surviving Legal Heirs (HQP-PFF-030, notarized) (Original)
  • Marriage Certificate issued by PSA or LCRO and Advisory on Marriage (If the immediate family member is the claimant) (Photocopy)
  • To establish kinship with the member, the claimant shall submit any of the following:
    • Birth Certificate issued by PSA or Baptismal Certificate (Photocopy); or
    • Non-availability of Birth Record issued by PSA (Photocopy) and Joint Affidavit of Two Disinterested Persons[5] (HQP-PFF-029, notarized) (Original)

Death Claim Requirements – Single with Child/Children

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

Who May File a Pag-IBIG Provident Claim Application?

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

How Much Provident Benefit Fund Can I Claim?

The amount of provident benefit 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 and may not be the same as your total contribution. You should also note that dividend earnings differ annually. 

How to Withdraw Pag-IBIG Contribution 

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

5 Steps to Claim Your Contribution at Pag-IBIG Office

1. Prepare a Valid ID

Aside from the documents mentioned above, you should have a valid government-issued ID which can be 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 included on Pag-IBIG’s list[6]

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

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

For instance, if you’re claiming a death benefit on behalf of a Pag-IBIG member, then you need to prepare documents that prove your relationship with the claimant. Examples of these documents are 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 that your claim will be accommodated in the branch nearest you. 

4. Pag-IBIG will review your submission 

After you submit your requirements, Pag-IBIG will review and verify your documents to see if you qualify for the claim. 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 Apply for Pag-IBIG Provident Benefits Claim During the Pandemic

The pandemic has redefined how government offices and private establishments operate. Applications for Provident Benefits Claims can be submitted via a designated dropbox outside any Pag-IBIG branch. After you drop off your application, wait for an SMS, call, or email from a Pag-IBIG representative about the status of your claim.  

Steps 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 together with all the required documents. Save all the scanned files or images on a drive that you can easily access online. 

how to withdraw Pag-IBIG contribution - sample acceptable ID
sample acceptable ID
how to withdraw Pag-IBIG contribution - sample acceptable selfie
sample acceptable selfie
how to withdraw Pag-IBIG contribution - sample acceptable service record
sample acceptable service record

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

how to withdraw Pag-IBIG contribution - e-Services

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

how to withdraw Pag-IBIG contribution - tick on the Data Privacy box

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

how to withdraw Pag-IBIG contribution - Claim Pag-IBIG Savings

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

how to withdraw Pag-IBIG contribution - Claim Pag-IBIG Savings options

6. 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. 

If you’re claiming retirement benefits, these are what you need to prepare:

how to withdraw Pag-IBIG contribution - retirement benefits claim requirements

 7. 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’ll need to register[9] for one first.

how to withdraw Pag-IBIG contribution - validate your account

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

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

how to withdraw Pag-IBIG contribution - message you can see after clicking Validate
how to withdraw Pag-IBIG contribution - sample of feedback message
how to withdraw Pag-IBIG contribution - sample Pag-IBIG feedback message

9. Once your account gets validated, you’ll need to upload all your scanned documents to the site. 

10. If the system accepts your submission, then you’re done with your application.

How Long Does Pag-IBIG Provident Claim Processing Take?

The standard processing time of any provident claim is 18 working days. Once you receive a confirmation, you will receive your check details after five working days. If Pag-IBIG did not contact you after 18 to 20 working days, you may follow up through its hotline: (02) 87244244. 

How Will the Provident Benefits be Paid?

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

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’re going to submit for verification. Failure to comply with the requirements will just cause delays because you need to 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. Make sure that your mobile number is also correct and updated when filling out 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

Monthly Pag-IBIG deductions can sometimes take a toll on your salary. But your investment will pay off when your retirement comes and you know how to withdraw Pag-IBIG contribution. For a minimum contribution of just PHP 100 every month, your future will be more financially secure. It’s a long and inexpensive investment with a really great payoff on your retirement. 

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