If you’re mandatory or voluntarily investing in the Pag-IBIG Regular Savings, enjoy your money in retirement or medical needs. Aside from that, the Home Development Mutual Fund (HDMF) has other money-making programs where members can grow their savings, such as the Modified Pag-IBIG II (MP2) and the Pag-IBIG Overseas Program (POP). But how do you claim your investments from Pag-IBIG Fund? Keep reading as we share our in-depth guide on how to claim Pag-IBIG Savings.
The HDMF, popularly known as Pag-IBIG (Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno), is a government agency mandated to provide a national savings program and affordable house financing to Filipinos. Through the Pag-IBIG Savings, Filipinos working locally or overseas can save money and earn competitive dividends, which they can withdraw when needed. Members can claim their total Pag-IBIG contributions in many cases, such as membership maturity, retirement, death, permanent disability, or insanity.
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About Pag-IBIG Savings Claim
The Pag-IBIG Savings Claim is for mandatory and voluntary members qualified to withdraw their total contributions plus the dividends earned by their accounts over the years. It consists of the members’ monthly contributions from salary deductions or voluntary contributions. Whether employed or unemployed, eligible members can claim their Pag-IBIG Savings, given they have at least 180 or 240 monthly contributions and meet the terms and conditions.
Under this program, members can apply for the following Pag-IBIG Savings Claim:
Optional Withdrawal
Qualifications
To withdraw Pag-IBIG contributions before the maturity period, members can apply for Optional Withdrawal if they meet the following qualifications:
- Pag-IBIG members for 15 years before the application for withdrawal
- Members without any outstanding loan from Pag-IBIG before claiming benefits
- Members with at least 180 monthly contributions
Note: Pag-IBIG will only approve applications for Optional Withdrawal for members who have contributed continuously without any gaps during employment. Pag-IBIG will automatically decline your application for the claim if you’ve skipped several contributions despite being a member for 18 years. Therefore, even if you’re a Pag-IBIG member for 15 years, you won’t be eligible for Optional Withdrawal if you skip one (1) monthly contribution.
Requirements
If qualified for Optional Withdrawal, secure the following requirements:
- Original copy of Application for Provident Benefits (APB) Claim (HQP-PFF-285)
- Photocopy of one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
Membership Maturity
Qualifications
Pag-IBIG members can claim their savings or contributions after the 20-year membership maturity period. Under this claim, members can withdraw all their contributions and earnings despite having intervals or gaps. However, members should have 240 contributions on the membership maturity. Meanwhile, members of the Pag-IBIG Overseas Program (POP) can claim their contributions after 5, 10, 15, or 20 years based on the option they choose when they register for membership.
Requirements
To apply for Membership Maturity, eligible members should secure the following documents:
- Original copy of Application for Provident Benefits (APB) Claim (HQP-PFF-285)
- Photocopy one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
Retirement
Qualifications
At the age of 65, Filipino workers should retire compulsory, making them eligible to claim their Pag-IBIG contributions. But under the retirement plan of SSS/GSIS or private employers, workers may optionally retire at 60, given they’re at least 45 years old.
Requirements
A. Compulsory Retirement
As per Philippine law, Compulsory Retirement applies to workers at 65 who are required to leave or retire from their employment. To apply for a benefits claim under Compulsory Retirement, prepare the following documentary requirements:
- Original copy of the application for Provident Benefits (APB) Claim
- Photocopy of one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
- Photocopy of Statement of Service (for AFP members ), as applicable
- Photocopy of Service Record (for members of PNP, BJMP, BFP)
- Photocopy of Order of Retirement Voucher (for members of AFP, PNP, BJMP, BFP), if applicable
B. Optional Retirement
The Optional Retirement applies to Pag-IBIG members who are already 60 years old. If retiring earlier than the mandatory retirement age of 65, you can do so by preparing the following documents:
- Original copy of the application for Provident Benefits (APB) Claim
- Photocopy one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
- Photocopy of GSIS Retirement Voucher (for government employees)
- Photocopy of notarized Certificate of Early Retirement (for private employees at least 45 years old)
Permanent Total Disability or Insanity
Qualifications
Pag-IBIG members may apply for Pag-IBIG Savings benefit claims, given they are physically and/or mentally disabled due to an injury or illness, resulting in the lack of ability to work or operate a business.
Requirements
If qualified, secure the following documentary requirements:
- Original copy of Application for Provident Benefits (APB) Claim
- Photocopy of one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
- Original copy of Physician’s Certificate/Statement (with Clinical or Medical Abstract)
Separation from Service due to Health Reasons
Qualifications
You can also apply for a claim and withdraw your total Pag-IBIG contributions if you can no longer work due to extreme health conditions.
Requirements
Prepare the following documents to apply for the Pag-IBIG Savings claim:
- Original copy of Application for Provident Benefits (APB) Claim
- Photocopy of one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
- Original copy of Physician’s Certificate/Statement (with Clinical or Medical Abstract)
Permanent Departure from the Philippines
Qualifications
If leaving the Philippines for good and residing overseas, you can also apply for withdrawal of your Pag-IBIG contributions before departing. It also applies to Overseas Filipino Workers (OFWs) currently working abroad and were allowed to settle in the host country.
Requirements
Before applying for Pag-IBIG Savings Claim, obtain the following documents:
- Original copy of Application for Provident Benefits (APB) Claim
- Photocopy of one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
- Photocopy of passport with Immigrant Visa/Residence Visa/Settlement Visa
- Original copy of notarized Sworn Declaration of Intention to depart from the Philippines Permanently (HQP-PFF-031) – not required if already based abroad
Death
Qualifications
Beneficiaries of deceased Pag-IBIG members are automatically qualified to apply for a Provident Benefits Claim. The amount the beneficiary can claim will depend on the member’s status before death. Also, the beneficiary can claim a death benefit worth P6,000 regardless of the exact and total amount of contributions if the deceased was an active member at the time of demise.
Meanwhile, beneficiaries of inactive members at the time of death can claim P6,000 or their total contribution, whichever is lower. For members who applied for Total Accumulated Value counteract before death, the benefit their beneficiary can claim will depend on their membership status before demise. However, Pag-IBIG will consider the total contributions counteract, given the member was inactive before their demise.
Requirements
For legal beneficiaries of deceased Pag-IBIG members, prepare the following requirements to apply for a death benefit claim:
A. For Married Members with Children
- Original copy of Application for Provident Benefits (APB) Claim
- Photocopy of one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
- Photocopy of one (1) valid ID of the claimant
- Photocopy of Certificate of Member (issued by PSA/LCRO)
- Original copy of notarized Proof of Surviving Legal Heirs (HQP-PFF-030)
- Photocopy of Marriage Certificate (issued by PSA/LCRO) and Advisory on Marriage – if the claimant is an immediate family member
- 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 are physically or mentally incapable
- To prove the relationship with the member, the claimant should submit any of the following:
- Birth Certificate (issued by PSA)
- 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)
B. For Married Members without Children but with Surviving Parent/s
- Original copy of Application for Provident Benefits (APB) Claim
- Photocopy of one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
- Photocopy of one (1) valid ID of the claimant
- Photocopy of Death Certificate of Member (issued by PSA/LCRO)
- Original copy of notarized Proof of Surviving Legal Heirs (HQP-PFF-030)
- Photocopy of Marriage Certificate (issued by PSA/LCRO) and Advisory on Marriage- if the claimant is an immediate family member
- To prove the relationship with the member, the claimant should submit any of the following:
- Birth Certificate (issued by PSA)
- 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)
C. For Single Members with Children
- Original copy of Application for Provident Benefits (APB) Claim
- Photocopy of one (1) valid ID or Pag-IBIG Loyalty Card Plus of the member
- Photocopy of one (1) valid ID of the claimant
- Photocopy of Death Certificate of Member (issued by PSA/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 are physically or mentally incapable
- To prove the relationship with the member, the claimant should submit any of the following:
- Birth Certificate (issued by PSA)
- 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)
Reminders:
- If a Pag-IBIG Loyalty Card is unavailable, present an original and photocopy of two (2) valid IDs.
- If claiming Retirement benefits, the valid IDs should bear the member’s date of birth.
- Submit any of the following if the member’s valid ID doesn’t reflect the date of birth:
- Birth Certificate of Member (issued by PSA)
- Non-availability of Birth Record (issued by PSA) and notarized Joint Affidavit of Two Disinterested Persons
How to Claim Pag-IBIG Savings
Follow the steps below to claim Pag-IBIG Savings or contributions:
Via Virtual Pag-IBIG (Online)
- Prepare a photo or scanned copy of the Claim Application Form with the required details and signature. (Click here to download.)
- Photocopy or scan one (1) valid ID or Pag-IBIG Loyalty Card Plus (Cash Card).
- Take a selfie holding your valid ID and Cash Card.
- Visit the Virtual Pag-IBIG website.
- Under the Claim Pag-IBIG Savings, choose the option that applies to your application.
- Read the reminders and click the Proceed button.
- Enter the 12-digit Pag-IBIG Membership ID (MID) Number and click the Validate button.
- Once validated, upload the scanned documents online.
- Wait for Pag-IBIG Fund to accept your application.
- Then, get your claim proceeds on the scheduled date.
Via Pag-IBIG Fund branch (On-Site)
For walk-in applicants, prepare the complete requirements, including the Provident Benefits (APB) Claim Form (download here), before visiting the nearest Pag-IBIG Fund branch office. Also, secure the Provident Benefits Acknowledgment Receipt (HQP-PFF-061; download here). Then, get your claim proceeds on the scheduled date.
Summary
Although some may think the mandatory monthly Pag-IBIG contribution is a burden, it will benefit Filipinos in the long run. Whether unemployed or self-employed, investing early in Pag-IBIG will pay off in the future. Most of all, it’s a safe and affordable investment that Filipinos can use for retirement or when a health condition arises, allowing them to secure their future. Therefore, Filipinos are encouraged to invest and save in the Pag-IBIG Savings facility to take advantage of various benefits claims.