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.
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.
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
Basic Requirements for Pag-IBIG Provident Claim
Filled out Application for Provident Benefits (APB) Claim form
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
How to Claim Pag-IBIG Contribution
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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
Visit the Pag-IBIG branch where you have a membership record.
Submit all the requirements.
The staff will check their records to verify if you have filed for Provident Benefits Claim and have any unpaid Pag-IBIG housing loan, multi-purpose loan, or calamity loan. Wait for the verification process to complete.
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.
In some cases, 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.