Pag-ibig Retirement in the Philippines — Process Your Claims Quicker


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  1. Hi julieta, yes, you can now file your claim kasi you are over 45 years old and you have at least 240 contributions. Merong dividends. Visit your Pag-ibig branch. Bring your valid IDs.

  2. Hi I am now 46 years old and I am contributing ti Pag-ibig for 22 years, can I ask to claim my contributions since I a ma planning to early retire, may interest po ba yan?

  3. good day.ask ko kung anong site makikita ang amount claim ng isang retiree gusto nya kasing malaman kung magkano makukuha nya.nagpapatanong lang po.salamat.

  4. Hello po good pm. Gusto ko po sanang magvoluntary member ng pag-ibig..isa po po kasi sa requirements Duon yung affidavit of unemployment saan po ba kakakakuha nun..? Salamat po

  5. Hello po good pm. Gusto ko po sanang magvoluntary member ng po po kasi sa requirements Duon yung affidavit of unemployment saan po ba kakakakuha nun..? Salamat po

  6. Hi mike, yes, puede mo nang kunin ang POP savings mo. Yong Pag-ibig 1 ang under the 240-contribution rule. Sorry pero hindi na ko updated sa speed of POP processing. Noong time na konti pa ang claimants, the same day lang. Dapat one day to a few days lang ang processing.

  7. Under po ang ng POP (overseas program) since 2005 and maturity ko is 10 years. Pwede ko na ba sya ma claim provided wala ako existing loans sa pagibig and ende ko na meet ang 240 contributions?

    Gaano katagal ang processing ng claims?

  8. Hello po, i’m 37 years old at nakahulog na po ako ng 17 years sa pag-ibig or 408 months pwede ko na po ba makuha yung nahulog ko since hindi na po ako nagtatrabaho pra po sa mga anak ko.

  9. Hello,

    Umalis po ako ng Pilipinas ng single pa. Nagpakasal po ako at isa ng U.S Citizen. Pwede po bang hindi ko muna Iwithdraw ang contribution ko?
    Pwede rin bang iretain ko ang maiden name ko at ang mother ko pa rin ang beneficiary? Hindi po interesado ang asawa kong Americano na magclaim ng mga benefits ko dyan sa Pilipinas.

    Salamat po.

  10. I turned 60 last Sept. 13, 2016 I filed my retirement claim in your Commonwealth Branch last October 10, 2016, after completing the Provident claim form, submitting xerox copies of 2 valid ID’s, NSO birth certificate, and TAV copies. Last December 6, 2016,i went to the Pag-ibig Commonwealth brach where i filed my claim to check the status but to my surprise still NO check has been prepared, i called up the pag-ibig hotline on that particular day to follow-up for the same but they told me still no record on their file that my claim was approved but instead they gave me reference number of 1257290 and after 24-48 hrs they will back to me but no reply from them so i called back to them this morning of Decemebr 8, 2016,2016 still they said to me wait for another 24-48 hrs and they will back again to me.Prior to this last December 6, 2016, between 10am-11am i first called-up Makati POP via tel no 422-3000 local 5950 and the lady who answered to me that my claim was already approved last November 16, 2016 and told me that they sent the check to Commonwealth branch, so i went to Commonwealth branch on that day but the in-charge guy they did not receive any check from Makati head office. So i am confused now which statement is true now? what shall i do now please help me. beside the fact that processing procedure will last only for one month. Do i still have the chance to get the check for my retirement?

    Thank you.

  11. Hi Marivic, yes! And you can start contributing again, whether as employed or voluntary. Ganun ang ginawa ng relative ko. After claiming his Provident his benefits, he opened another account (new MID) as Voluntary and has been paying for about a year now. Pero, in your case, if you go back to the corporate world, your company is mandated to pay its share and remit your Pag-ibig contributions just like before.

  12. Hi What if I am qualified to claim the provident fund (i.e., 45 years old and has completed 240 contributions and left work)? After claiming the pag-ibig provident fund can I still go back to the corporate world?


  13. Hi Mary Jane, yes, you can continue paying so he can save more. If you don’t need the money yet, it’s better that he does not yet claim it, and instead continue saving because Pag-ibig’s dividend rate is higher than banks’ rates. But he has the option to claim his benefit now, and then get a new Pag-ibig number and continue saving. But if you don’t need it yet, then don’t claim it yet (because you might just spend it for unnecessary things) and just continue saving.

  14. hi my husband is already 61 and his contribution is less than 240 months its about 100 month. Can we continue on paying contribution til it cost for 240 months?

  15. Hi Anita, sorry kung nakuha nio na yong Provident Benefits nio when you retired in 2008, wala nang makukuha pa, kasi once na nakuha na lahat, wala nang balance na mag-i-interest pa. Ang meron lang makukuha pa ay yong pagkatapos naka-claim ay nagsimula uli ng panibagong savings sa Pag-ibig (usually yong employed pa after age 60). Merong list yong Pag-ibig ng members who still have some money to claim, kaya lang down yong Pag-ibig website ngayon; ibigay ko sana yong link. Search mo na lang yong Pag-ibig website during working days.

  16. Hi Mae, yes, pero kelangan ang medical certificate from the doctor together with his medical or clinical abstract. Dapat ma-certify that your father can no longer work due to incapacitation arising from his health condition. Ito ang exact words from Pag-ibig: One valid reason — Permanent Total Disability or Insanity (loss or impairment of a physical or
    mental function resulting from injury or sickness which completely incapacitates a member to perform any work or engage in any business or occupation as determined by the Fund). Another valid reason — Termination from service by reason of health.

  17. Hi. Is it ok to file an early retirement claim? My father retires at 53 years old because of some health conditions. His contributions are around 14 years only. Please advise. Thank you.

  18. Nagretired po ako last June 2008, still do i get more from the interest of my pagibig fund thank you

  19. Nag retire po ako last June 2008 at nakakuha sa pagibig fund totoo po ba by this time ay may makukuha pa ako from my saving interest fund salamat po

  20. Hi Dinah, yes, you can already claim your Pag-ibig savings. File at the branch where most of your Pag-ibig savings were remitted to. You can first request to see your TAV (total accumulated values) to check if all your contributions, private and government, have been posted in your branch. This is the Pag-ibig Application for Provident Benefits form

  21. Hi Ms. Nora. I used to work with government 15 years and then with private companies 2.5 years. I decided to stop working to take care of my children full time. I think I had only a total of 150 monthly contributions. I am now 61 years old. Will I be able to claim benefits from PAGIBIG? Thank you very much.

  22. Hi Apolonio, yes, around 1 month usually napa-process ang Pag-ibig retirement claim. If you worked in only one or 2 companies in the same city, mas mabilis. Mas matagal kapag naikalat ang contributions ng member in different Pag-ibig branches dahil nag-work in different companies in different cities.

  23. I have just filed my claimed on my pag ibig fund i just want to know how true that i takes a month before i got it thanks

  24. Hi fatima, what I know is that if Pag-ibig recovers in full your housing loan amount and foreclosure expenses from the sale of the property to the new buyer, your savings will be safe. In their old circulars for loans taken out up to 2004, defaulting members’ savings are affected. But let me first find what’s said in the recent circulars.

  25. good day. Ms. Nora My question is this, Can I get my full Pagibig contributions at the age of 60 and sometime my housing loan was foreclose due to the reason that its very far on my work thats why it was foseclose but some one applied on that unit. Please let me know.

  26. gud day po,lapit na po ako mag-60 kaya lang nagpalit ako ng date of birth.

    thanx po

  27. Hi Carlos, do you mean you did not claim anything from Pag-ibig when you retired? If did not, file your claim at the Pag-ibig branch where your employer remitted your contributions. If you worked in different companies in different cities, check if all your contributions are in your main Pag-ibig branch. Ask for a copy or ask to see your summary of contributions. Documents: Application for Provident Benefits Claim, 2 valid IDs, Pag-ibig ID if you have. If date of birth is not on your IDs, bring NSO birth certificate (xerox and orig). It’s good Pag-ibig loan balances are set-off with total savings after loan term, so their interest do not balloon to huge amounts like with SSS salary loans.

  28. i am now an sss pensioner since 2012, started working in 1972-1989 w/ an unsettled outstanding loan. Can i apply for any benefit claim?, please give info’s on where, how & all requirements and for what benefit claim title-re: my application

  29. Hi olivia, documents: Application for Provident Benefits Claim form, 2 valid IDs, NSO birth certificate. Bring Pag-ibig card if you have

  30. I turned 60 last Dec. 8, 1955. I filed my retirement claim in your Alabang Branch last May 16, 2016 whch was received by your Makati Office on May 20, 2016.

    As of today, July 4, 2016 NO check has been prepared. According to Ms. Nora, it takes only a month to process it.

    Thank you.

  31. Hi Beauregard, you can claim your Pag-ibig savings now if you have accumulated 240 monthly contributions or more. If you lack some months, like for example, you have only 234 contributions, you can make contributions for the next 6 months (minimum 200 pesos), then on the 7th month, you can file your claim. Sorry that if you’re far below the 240-contribution mark, you need to wait till you’re 60 before you can claim your benefit.

  32. I’am 53 years old.i’am not working anymore because i need to take care of my sick wife and aside from that it’s hard for my to get a job again because of my age.can i avail the early retirement to claim my contribution so i can use it for my wife medical maintenance?please reply how.

  33. I am Bayardo T. Bacleon, I’m following up on my retirement refund; I’ve been waiting for 4 months. When can I get it? Hope you can send it because I need it; I have no work, that’s the only thing I depend on. Hope you can respond to my request. Thank you po

  34. I’m BAYARDO TAO-ON BACLEON, Retired filipino worker. I’d like to inquire or follow up on my retirement refund at Pag-ibig butuan branch. I’ve been waiting for 4 months. Please send it as I’m having difficulties due to old age. Have no other income. That’s what I’m depending on. I’m using the email of my child. Thank you very much

  35. Hi Ricardo, if you have accumulated 240 contributions or more, you can already claim your Pag-ibig savings any time. If less than 240, you have to wait till you turn 60. Or if you lack just a few months, you can pay for these months, so you can claim after a few months. Another option if your total is less than 240 is early retirement cert. If you retired from your company under a formal company early retirement program, request from your previous company a cert of early retirement, and submit this cert together with the other required documents. See this Application for Provident Benefits Claim form

  36. Hi, I just want to ask if I can claim my pag-ibig savings? I’m 56 years old and already retired in 2000. Please help me. Thanks!

  37. Hi Myrna, it depends on your total savings and the years when you contributed these. If you contributed 200 pesos monthly (100 pesos from employee and 100 pesos from employer) for 6 years, that will be 200 pesos x 72 months, totalling 14,400. So your total retirement benefit will be 14,400 plus dividends. Yearly dividends is about 4% of total savings at the end of each year.

  38. Hi Ms. Nora how much po is retirement benefit after 6 yrs of contributions to pag-ibig? I’m now 60 and I plan to claim my retirement plan from pag ibig. Thank u

  39. Hi Ms. Nora, do you have any format of Pag ibig Early Retirement Certificate? kindly send to my email, pls. Thank you very much.

  40. Hi Bino, I think not yet because you’re still employed. But you can ask Pag-ibig. What I’m sure of is that for those who have turned voluntary and have accumulated 240 contributions and are 45 years or older, they can already claim their Provident benefits. But for those employed, I’m not sure. You can consider just taking a loan — that will be 80% of your total savings/dividends (if you have accumulated at least 120 contributions). This way, you still have money to claim later on.

  41. Hi Ms.Nora im resigning my job this end of this month nov 30,pwede ko po ba lumpsum yung sa pag ibig ko.over 20 year na po ako naghuhulog?

  42. Hi Ms. Nora. I am already eligible to withdraw my contributions. I worked for two companies, one located in Intramuros and the other in Pasay City. To what branch should I go? And should there be 2 branches, how do I go about consolidating? Thank you.

  43. Hi Ernie, you can pay in advance to complete the 240 contributions, but you have to wait for the year to actually pass in real time before you can claim your savings+dividends. What you can do is to apply for a multipurpose loan — you can get 80% of your total savings+dividends since you’ve contributed more than 120 contributions. To qualify for the loan, you should have paid at least 5 contributions within the past 6 months.

  44. I still lack 1 yr. contributions , but I want to withdraw my savings,if I pay the amount for this, can I have my lump sum? I need money for education of my child this semester. thank you .

  45. Hi tessie, yes, public school teachers receiving their salaries from the DepEd are Pag-ibig members. Yes, the DepEd pays their 100-peso share per teacher.

  46. do public teachers have P200.00 monthly hdmf contribution as well? do they get to have an employer share of P100.00 just like a private employee has?

  47. hi Ms. Nora. do u have a sample of certificate of early retirement for pag-ibig purposes? please send to my email. TIA

  48. Hi Norie, there’s no Pag-ibig pension. At age 60, you can get back all your contributions plus dividends in one lump sum.

  49. I’m 17 year’s in company and I’m already resign last January.I would like to lumpsum my share. How long is the processing?. pls need advice, kindly send it to my e-mail. tnx,God bless

  50. Hi len, you’re blessed for sacrificing for your mother. About your question: if you had paid 240 monthly contributions (count all, including those monthly payments deducted), you can file to get your Provident benefits. If you lack 9 or 12 months or a bit more, you can pay these months to complete 240. If you need 9 months more, for example, pay from August 2015 to April 2016, and then file to get your benefits in May 2016.

  51. hi, ms Nora. I’m 53 years old and unemployed for 2 years now, because I have to take care of my mom who had alzheimers disease and recently succumbed to acute hemorrhage. I only have 174 monthly contributions. but technically, i actually had more than that number, except that an outstanding loan was deducted. can I apply for early Pagibig refund? I plan to use this to start farming a small piece of land in batangas. please advise.

  52. Hi Rene, your retirement benefits will be the total of all your monthly contributions plus annual dividends. I think you can already claim since you have contributed for more than 20 years and have more than 240 contributions, even if you’re still working. But I’m not sure. I’m sure only if the member is Voluntary. One can also continue paying. And I think it will be better if you claim your money when you retire because Pag-ibig’s dividend rate is much higher than banks’ rates and Pag-ibig dividends are non-taxable.

  53. I been a Pag Ibig member since 1981 and will be turning 60 in six (6) more years. How much will be my benefits upon retirement age?

    Since I have already contributed more than 240 monthly contribution, can I already file the claim even I still working?

  54. Hi nerissa, if you use the early retirement option, you need to show a certification from DEP or CHED that you have availed of their early retirement program. If you are 45 or older, and you have accumulated 240 monthly contributions or more, you can claim your savings even without early retirement certification. Sorry I’m not sure which Pag-ibig branch does DEP or CHED remits to. You can call 724-4244 or email

  55. Hi.just had my early retirement last nov 2015.A public school teacher in Pasay.How can I claim my retirement benefits and where?

  56. Hi Leticia, your SSS loan balance will be deducted monthly from your monthly SSS pensions until your loan is fully paid. Your SSS loan will not affect your Pag-ibig claim because they are different institutions.

  57. Hi, im nearly on my retirement age of 60 years old by december 2015 and i know im going to have problem with my sss retirement (loan) will that problem affect my retirement with Pag-ibig fund

  58. Hi Cora, if you and the Education Dept. continued to pay contributions to Pag-ibig even after age 60, then you have something to claim from Pag-ibig. You can check your last payslips. If you’re not sure, you can email

  59. At age 60 po I got a claim but i am not retired yet. effective june 1 2015 I’m already retired from service. Do I have benefits to claim due to my retirement? Im a public school teacher. Thank you po

  60. Hi ms nora! I have just retired from the government service last may of this year. May i know how much will i receive fm pagibig and what are the requirements needed

  61. hello we are looking forward for the result of the retirement benefits of my auntie Ms.Amelia delos Santos Pasco, she already filled -up their form last march of this year 2015. she was looking to the final result of this immediately, she needs it badly. thank you and more power to your column

  62. Hi Cora, optional withdrawal is allowed if you contributed continuously without a gap, and you can request only on the 10th or 15th year. But you can already claim your savings, as you’re already older than 45. Ask about your savings info at your Pag-ibig branch — usually the branch nearest the location of your former company.

  63. Hi Ms. Can I apply for Optional withdrawal of my provident funds? I became a member in 1995 up to the time that we were early retired by the company in 2007. I am already 50 yrs old and since 2007 was no longer employed. And where can I get an updated membership contributions. Thanks in advance.

  64. Hi emils.lim, if you have accumulated 240 monthly contributions or more, yes, you can file your claim.

  65. hi! I been working since 1991. can i claim my retirement? this is my first job. im now 45y.o. thnx

  66. Hi Janine, not yet. When you have accumulated 240 contributions and you’re 45 years old or older, you can claim your savings and dividends. If less than 240, wait till you turn 60.

  67. Ms. Nora, do you have any format of Early Retirement Certificate? kindly send to my email, pls. Thank you very much.

  68. Hi Carmencita, there’s no more Atrium branch. Yes, the Makati branch is in Justine Bldg, Gil Puyat, formerly Buendia

  69. Hi Carmencita, Pag-ibig records are not yet centralized, so you should file your claim at your branch. I assume your branch is the Buendia branch, as you mentioned you were going to Atrium in the past, and Fort Bonifacio offices are remitting at the Buendia branch.

  70. gud am. where can I claim or file? I went to atrium in the past; should I go there? My previous office was in Fort Bonifacio, but it’s now closed – Vetronix Inc. Can we claim here in Bacoor or Las pinas? Tnx. God bless

  71. Hi vhina, if your father has previously claimed all his money from Pag-ibig, then he has no more to claim. If he is not sure, he can go to his Pag-ibig branch and ask, or he can authorize you to ask. Bring his ID and your ID.

  72. Hello. my father is 60 yrs. old now. He got his lump sum before from pag-ibig fund. He heard he still has some money to claim from Pag-ibig at age 60. Can he still claim? Thanks

  73. Ms. Nora, do you have any format of Early Retirement Certificate? kindly send to my email, pls. Thank you very much.

  74. Hi Dang, yes, if you’re at least 45 years old and if you have accumulated at least 240 contributions. Requirements: 2 valid IDs, copies of IDs, Provident claim form, printout of TAV (from Pag-ibig).

  75. Can a claim for lumpsum be processed even you’re not 60y/old yet? If you have accumulated 240 monthly contributions? If yes, what are the steps to claim it? Thanks.

  76. Hi Josephine, sorry, early retirement claim is applicable only to employees who availed of their companies’ early retirement fund program. You have to wait till you’re 60 to claim. You can claim at age 45 or older if you have accumulated 240 contributions.

  77. Good day Ms, I’m a Pag-ibig member since 1992 and I resigned 1999 and stopped paying. I wish to file for early retirement. is that allowed? Thanks God bless

  78. Good day! May I ask what the steps are in claiming my father’s retirement. He’s 64 now. We found out he has 211 contributions. Is it possible he can claim his retirement benefit from pag-ibig? He has no pag ibig loan. If ever eligible, he has 30k TAV, can u give us some idea how much is his total benefits. Thank you for immediate response.

  79. Hi Josefina, yes, you can now claim your savings and dividends even if your total no. of contributions is less than 240, as you’re already 60.

  80. I’m now 60. My PAG-IBIG contribution is way, way below 231. Can I still file for my retirement benefit? Tnx

  81. Hi imelda, yes, you have something to claim, because Pag-ibig offsets an unpaid loan with the contributions. It’s not like SSS or GSIS where it’s possible that the unpaid loan wipes out all the savings. Your IP address is Tarlac. So you can go to the Pag-ibig branch there at Metrotown Mall in Tarlac City and ask if you can file your claim there. He brings his NSO birth certificate, 2 valid IDs and his Order of Retirement or Statement of Service. Make xerox copies. Try to control your expenses while claiming as the total benefit may not be much.

  82. Hi Mam Nora! Its me again.. eversince di po sila nagsama,Mother ko na rin mismo lumayo since nalaman ny buntis sya samin (Twins kami) kaya in our 34 years of our lives hindi p po namin nakikita father namin (pangMMK life namin).Next week po punta na kami Pag-ibig and update ko po kayo. THANK YOU.

  83. hi Ms. may I ask about my husband’s retirement benefit? He started paying since 1981 to 1995. He’s 62yrs.old now. He’s optional retired military in 1995, but before he retired he borrowed 1000 pesos, and was not paid. Does he have something to claim? If we can claim, where can we claim and what are the requirements? Thank you and God bless.

  84. Hi Juve, by the way, in addition to my suggestion above, have your mother and father considered getting married just to get their marriage certificate? You can inquire at your city hall or town hall about processing a marriage between 2 seniors — maybe your city hall has a free program for seniors. If this happens, change the relevant data in the affidavit suggested.

  85. Hi Ms! My mother wants to claim her contributions, 62/o, unemployed since 2003. Our problem is her member’s name and bday are different from those in her nso birth certificate. All this time she’s not legally married to my father, and she used my father’s surname in our BC. With SSS, it’s the same issue. What should we do? I don’t know what magic they did during their time.
    Member’s Name: Venus Caligagan De Guzman
    Birthday: June 21, 1952
    NSO BC : Maria Vinuz F. Caligagan
    Birthday: July 10, 1952

  86. Hi Alma, sorry, not yet. You must accumulate 240 contributions and must be 45 years old or older. If less than 240, wait till you turn 60.

  87. Hi jc, I’m a bit puzzled that your father forgot his Pag-ibig. Yes, you can still claim, as the prescription period for most claims is 10 years. Bring your ID, your father’s ID, and his authorization letter. Inquire at the branch nearest where he worked the longest.

  88. hi, my father is already 68 years old. we have not claimed his pag ibig retirement because we were not aware that there is such thing until i saw your site. can we still claim it even almost 8 years have passed?

  89. Hi Khoy, yes, after you complete your 240 contributions, you can file your claim, even if there was an almost-1-year gap in payments. Requirements: a copy of your contributions and dividends (get from Pag-ibig), 2 valid photo IDs (xerox and orig) and Pag-ibig Provident claim form.

  90. hello po. i have been a pag-ibig member since December of 1996 and should be celebrating my 20th year in pag-ibig in 2016. however i had almost a year (ten months , i believe) that i wasn’t able to contribute and pay my loan because i resigned from my previous employer and got rehired again by another in june 2007. but i was able to merge my records already. and the outstanding loan was offsetted with my TAV.

    so to make my total contributions 240 months i will have to wait until 2017. i’d like to ask: after completing the 240 months requirement, will i be able to get my whole contributions plus dividends even if there was a gap in my monthly premium contributions? also, what are the documentary requirements i will be needing to file my provident benefit claim?

    hope you can reply to this inquiry. thank you

  91. Gud am po,pd po b mag claim ng lump sum ang papa q kahit 16 years lng po xa s serbisyo? but same po ang company nya?60 years old n po xa now.
    qng pd po, ano po b ang requirements para maka avail xa ng lumpsum?wait q po response ninyo regarding this matter.thanks po and more power!.

  92. Hi Ramon, do you mean you haven’t claimed your Pag-ibig savings/dividends yet? You can go to your Pag-ibig branch with your ID and then request for a copy of your TAV (total accumulated values).

  93. Hi! I am a pensioner, how will I know the number of contributions that I made thru pag-ibig? Than you..

  94. Hi Jean, Pag-ibig does not yet offer online checking of claims. Make follow-ups at the branch where you filed your claim. Or call Pag-ibig 724-4244

  95. Gud day Mam Nora,
    Ask ku lng po san site aku pd mg inquire regarding kung merun n akung check s disability claims? thnk u & more power.

  96. Tanong k Lang poh.kungwede ng landsamin yng pag ibig k kahit wala p ko s retirement ngagibig.ten year k npoh nhuhulugan yn at Issa LNG poh ang aking pinangalingan.slamat poh

  97. Hi Najean, sad to say, you cannot pay for past months. You can pay 6 contributions asap for July to Dec 2014, and then file his claim in Jan 2015. While waiting for Jan 2015, you might try to explore this reason for claiming benefits:
    Permanent Total Disability – loss or impairment of a physical or mental function resulting from injury or sickness which completely incapacitates a member to perform any work or engage in any business or occupation as determined by the Fund
    Requirement: Physician’s Certificate/statement (with clinical or medical abstract)
    If not yet done, you can also apply for his SSS disability benefit.

  98. Hello Maam. Gusto po sana naming iwithdraw ang contribution po ng Papa ko kasi hindi na po namin siya pagtratrabahuin dahil kagagaling lang nya ng operasyon dahilan sa brain tumor nya. Pumunta na ako sa pag.ibig office pero sabi nila di pa pwede kasi yong papa only had 234 contributions and last contribution nya was last month of January. Pwede po ba naming bayaran na lng yong February hanggang ngayong buwan? If yes, paano po? Pag sakaling nabyaran namin yong February hanggang July, pwede na po ba naming makuha yon since it will total to 240 contributions? makukuha ba namin yon agad?

  99. Hi Belen, Pag-ibig’s online system is not yet complete. It can only show OFW members’ recent contributions. I think you still have money because Pag-ibig offset loans and contributions after the loan term, unlike SSS which imposes penalties and interests on unpaid loans. You can email Pag-ibig and request for a copy of your contributions (tell them you’re abroad) and then check if the offset appears, or you can authorize your family to go to your branch.

  100. I taught at Batangas State University (former Pablo Borbon Memorial Institute of Technology) in Bata ngas City from June 1979 to July 1996. I do not have my pag-ibig memebership record with me and I when Ileft the country, I had an existing loan? How can I check online if I still have collecible benefits?

  101. Hi ask ko lang po bout sa retirement po ng father ko, mag60y/o na po cya sa august 3. last day ng work nya sa july 31 2014. Kelan po cya pwede magpasa ng requirement for claims po sa Pagibig?

    Thank you!

  102. Hi Florante, you cannot claim your benefit yet because you’re not yet 60. You can only claim at age 45 or more if you have accumulated at least 240 contributions (20 years), or if you can present a notarized certification of early retirement from your company which has a formal early retirement program.

  103. Hi Emiliano, your claim might take a longer time to process because of the need to consolidate your Makati and CDO records. I’m surprised that the Pasig branch accepted your filing when your records are in Makati and CDO. I’m puzzled they didn’t ask you to file in Makati. Anyway, follow up after 1 month. By the way, this blog is not administered by Pag-ibig; it’s a personal blog.

  104. Good day madam I would like to know how to avail or claim lump sum I was 45 year old been separated from work since year 2000 with 12 years contribution.How can I avail of a lump sum and I never had permanent job since then, am I eligible to claim an early retirement lump sum?

  105. Submitted na ang Pagibigfund retirement ko sa Shaw Blvd, Pasig Branch. Pinadala ang file information ko Sa Cdo branch kung saan ang transaction at contribution ay naganap. Pero meron pa akong Makati III branch na record na dapat maconsolidate at ito ay pinafollow-up daw nila nuong June 18, taong ito. Yung filing ko sa Pasig branch ay nuong June 6; ang tanong ko ay: kelan ko kaya makukuha ang retirement claim ko? Ako ba ay aabisohan ng office nyo?

  106. Hi Virgilio, you should file your claim in person with complete documents at your Pag-ibig branch. But if you worked in different companies in different locations, download this Transfer of Member Records form, accomplish it and then send by postal mail to your branch. And then wait for your records to be consolidated before traveling to Manila with complete documents. This is the main Provident benefits claim form You can also email Pag-ibig to ask for instructions on how to claim while you are in the province.

  107. I am now 60 years old and I want to claim my savings in pag-ibig. Can you pls. send my total contributions. I am now in the provincE and far from manila. My former employer is Bayantel.

  108. Hi angelita, sorry you cannot get your Pag-ibig mandatory savings if it’s not yet time. These people can file their claims: at least 60 years old; at least 45 years old and have 240 contributions; immigrants of other countries; permanently handicapped.

  109. mam pano kaya makuha yun pagibig na naipon gusto kuna kunin kc kailangan ko talaga para sa anak ko

  110. Hi Daisy, he can register again online, so he can get his Pag-ibig MID no. which is the more important no. He will get a different tracking no. but will be given the same Pag-ibig MID no.

  111. Nawala po ang kopya ng PAGIBIG tracking number ng asawa ko,hindi nawala din po ID pano po ba mare retrieve tracking number niya wala na po siya sa trabaho retired na po sya? Salamat po sa tulong.

  112. Hi Cathy, ang total benefit ng father mo ay total contributions for more than 20 years plus yearly dividends. Processing might take 2 weeks to 2 months or more. Follow-up na lang uli after 1 week.

  113. Paano po ba computation ng retirement benefits ng pagibig? Ilang days po ba ang pag process nito? Isang company lang ang pinangalingan ng tatay ko? As of this time, naka submit na papers ng papa ko? Kelan po ba expected na marerelease yun? Ipinasa na nung nakaraang linggo pa pero ng tumawag kami sad to say na nakalimutan ng pinagpasahan sa pinaglagyan kaya hindi gumalawa ang papers sya? more than 20 yrs po sya sa serbisyo?

  114. Hi christy, MRI is a type of insurance na isinasama sa Pag-ibig housing loan. Kapag namatay ang borrower, the insurance company will pay the total housing loan balance basta hindi super delinquent ang borrower.

  115. Ask ko lng po sa na kng na release ang death claims Edgar paz ranes issued yellow paper dated feb.20 2014.tapos check ko po always sa cdoc pag ibig office after 1 month wla pang nka posting.pls kung pwede sana pki sent sa email ko maam kung andiyan na ang claims.thank you so much

  116. Hi mariz, yes, I think so, puede, basta dala nio na lahat ang documents needed for your claim and documents to support your change of data like original and xerox copies of birth cert or marriage cert, depende sa change. Para mas sure pa, call 724-4244 or email

  117. Good day po ma’am ask ko lng po kung pwede pagsabayin yung pag papa change of members data at ang pag file ng application for provident benifits claim para po isang luwas na lng kami kc sa shaw blvd branch po nakarecord sa mister ko at nandito na po kami sa laguna
    … salamat po ng marami…

  118. Hi Jaycee, if your father paid 240 monthly contributions or more, he can already claim his savings. But if less than 240, he needs to wait until he’s 60. Yong early retirement na option, kelangan talaga na merong cert of early retirement from his former company.

  119. good day po. ask ko lang po kasi yung father ko po nag early retirement nung 50yrs old sya.56 yrs old na po sya ngayon. Pwede na po ba sya magclaim ng TAV savings nya? Nabasa ko din po sa requirements na kailangan yung certificate of early retirement wala po kasi sya nakuha na certificate ng early retirement nya galing sa company nya,hindi po nya nakuha. may other options po ba bukod dun sa certificate of early retirement nya? thanks po

  120. Hi jhoy, puede ang early retirement kung merong formal early retirement ang company — ibig sabihin merong nakuhang early retirement package ang father mo from his agency. Pero kung meron siyang total of 240 contributions, puede nang mag-claim kahit walang early retirement package, kasi more than 45 years old na siya.

  121. good day po… ask ko lang po… ung father ko po is 56 years old na,seaman po sya since 1990 nd ng resign sya last october 2013, nd humingi poh sya ng retirement certificate sa agency nila at binigyan naman, ask ko lang po if pwede na po ba syang mg file ng early retirement?

  122. Hi Jesusa, yes, puede na. First, write on paper your employment history, names of companies, addresses and employment dates. Para madali ang pag-fill-up mo ng form later on at para ma-trace nila kung complete ang posting of contributions. Then you can go to the Pag-ibig branch where your employer remitted your contributions and fill up the claim form. Bring your NSO birth certificate and 2 valid photo IDs. View the Pag-ibig claim form

  123. I am 60 yrs old na po, puede ko na po ba makuha yun mga na contribute ko sa Pag-ibig? saan ko po ba makuha it?o may ID po ako ng Pagibig. Ano pa bo ba kailangan para madala ko po pag punta ng Pag-ibig office. Maraming salamat po.

  124. Hi marlon, it’s best that you do not take out a loan, since you don’t need the money. It would be nice to have more money at retirement. Just keep your receipts, so you can countercheck when you have time to go to your branch and ask the amount of your total accumulated values (TAV).

  125. ok lang ba kung hindi po nag loloan sa pag ibig,hanggang sa mag retire?
    nakuha ko na yung ten years ko 5 years ago.
    hanggang ngayon nag huhulog ako ng pag ibig.
    pero hindi na ko nagloloan.
    ano ba mabutimag loan or hindi?

  126. Hi samuel, marami sigurong claims. Next time you follow up at their office at wala pa, ask for a phone no. to contact for follow-up

  127. kailan ko makukuha ang maturity ko nag file ako last feb 27 pa po bakit kami pinabalikbalik e sabi 3 wks bakit gano,,,, tnk

  128. Hello Mam Nora, napatigil po ako ng hulog nito lang July 2013, sa dahilan marami po akong pinagkagastusan, kung magbayad po ako ay good for 12 months/1 year…tanong ko lang po kung pede pa ba na bayaran ko yun mga nagdaan buwan na hindi ko nahulugan? magbayad po sana ako ng from July 2013 to June 2014. Pangalawa ko pong tanong kung mag increase po ako ng monthly contribution ko, mag fill up pa po ba ako for increasing monthly contribution? Salamat po.

  129. Hi rosario, sorry, you can claim your Pag-ibig benefit only when you turn 60 years old. There’s no separation benefit from Pag-ibig. Members who have accumulated 240 contributions can claim their benefit when they turn 45.

  130. Good day mam,

    I am a member for less than ten years because I resigned from my work? Do I have any separation benefit and can I claim it now? I am 35 years old

  131. Hi ruth, yong mandatory Pag-ibig contributions ay makukuha mo at age 60 or when you’ve accumulated 240 contributions upon turning 45 or older. Ang nakukuha after 5 years ay yong optional Pag-ibig or MP2.

  132. good day po.OFW po ako.3 yrs pa lang po ako nakakahulog sa pag ibig,if after 5 yrs ng hulog ko,gusto ko na pong kunin ung hulog ko with all the dividends,pwede po ba?
    salamat po

  133. Good day Ma’am. I have been a member of Pag-ibig since March 1999 to March 2012 (13 yrs) Unfortunately the company I was employed with underwent closure and we were offered an early retirement plan. since then I was unemployed and still am , I could not continue paying for the contributions. : I am 43 yrs old and getting hired at this age is not an advantage. Is there a process on how I can refund/ claim my contributions at this point in time ? I wish to put them to good use instead, since I cannot continue paying for the contributions for more than a year now.
    Kindly advise. Thank you

  134. im 60 years old this march. my pag ibig contribution is from 1996 to 1999. can i claim a retirement. if yes, how.

  135. Hi Althee, before you file your claim, consolidate your records at your current Pag-ibig branch so all your contributions through different companies will be included. Use the Transfer of Member Records form. For earlier filing of claim, you must be 45 years old or older and you must have accumulated at least 240 contributions.

  136. Gud am. Ang alam ko mag 20 yrs na ako nagcocontribute sa pagibig next yr pero yung 1995 up to 1998 ibang company pa pinapasukan ko. Masasama ba sa counting yung previous ko up to present kasi im planning to get my dividend sana.

  137. Hi francisco, i-follow-up nio po sa branch kung saan kayo nag-file. Bihira po yata ang processing na 1 month lang; ang nababasa ko ay 2 months or more.

  138. Gusto ko pong malaman kung kailang makuha yng retairment ko po naka pag file na po ko last jan from 7 o 14 2014 po yata follow up ko po kung meron na kc po tawag po ko ng antipolo opis wala po raw, pinag follow up ko sa QC, ganuon din po sa QC locall 6000.

  139. Hi mau, parang nasagot ko na ito 🙂 Hindi pa centralized ang records ng Pag-ibig, so dapat sa Antipolo branch ka mag-file ng Change of Member Data form. Bring your ID and birth cert (orig and xerox).

  140. hi mam nOra,ask ko lang po paanO po,kung bAbguhin ko ung spelling ng surname ko and i file ko po sa pag ibiG para po mtransfEr lahat ng hinulog .froM ochea to antipolo branch po kasi nag huhulog..dapat po bang doon ako mag pa bago?hindi po ba kahit sa ibang branch nalang?.sana po matulungan nyo po ako,salamat po

  141. Hi leoni, if you like, you can stop contributing after accumulating 240 contributions (20 years). With at least 240 contributions, you can claim your savings plus dividends at age 45. If you have less than 240 contributions and you don’t have a private early retirement program, yes, wait till you turn 60. Or you can complete your 240 contributions, so you can claim your savings between ages 45 and 60.
    Do you mean TAV? Ito yong mga savings and dividends, or contributions and dividends. Ito yong makukuha mo at age 45 or age 60.
    Ang nakukuha after 5 years ay yong Pag-ibig 2 or MP2. Ito yong optional savings program. Puede kang mag-join nito if you like. Minimum is 500 pesos per month:

  142. Ive been in different companies for so many years, ur right I need to consolidate all my contributions.5 yrs na ako s company pinapasukan ko, 7 yrs s Makati, ung iba pa contract contract lang na inabot din ilang taon paghuhulog, to make
    it short I was a member of pag ibig since 80’s.
    and still a member up to present, my question is;

    > do you have a min number of contribution para s abihin s member na stop ka na magcontribute.. just wait for your withdrawal/claim?

    >what if our company doesn’t have early retirement benefit, shall I wait for my age 60?

    >How about the TVA? when and how can we claim it.i understand for that benefit na dapat naka 5 yrs ka na member?

    Sana mabigyan linaw mo mga question ko..salamat

  143. Hi zenaida, it’s my first time to come to know na merong sinabing ganyang rule about Pag-ibig retirement. Baka mali ang interpretation nila sa Calamba. Ang alam kong merong one-year window period for claiming ay yong partial withdrawal (dapat sa 10th or sa 15th year lang). About retirement, ito ang rule na nakalagay sa likod ng claim form at sa Pag-ibig law: A. When to File: 3. Retirement — a member shall be compulsorily retired under the Fund upon reaching age 65. He may, however, opt to retire earlier under the Fund upon the occurrence of the following:
    a. his actual retirement from the SSS or GSIS
    Nag-retire na po kayo sa SSS, so puede nio nang kunin. Wala namang sinabi dito na dapat exactly age 60 ang age para mag-claim. Wala ring sinabi na there’s a one-year window to claim retirement at age 60. Nasa Calamba po ba ang records ninyo? Kasi puede po kayong mag-inquire sa talagang branch ninyo. Puede po kayong tumawag sa Pag-ibig 724-4244 or email
    I hope maka-comment uli kayo rito kung ano pong update at kung nakapag-file na kayo ng claim.

  144. Good day ! ako po ay 62 years old na. nakapag retire na po ako sa SSS. nung kini claim ko po ang aking maturity o savings sa PAGIBIG ay ayaw po nilang irelease kasi po nalampasan na daw po ako ng age na pinaprocess ang ganung claim na age 60 daw po. BAKIT NAMAN PO GANYAN ANG PATAKARAN NYO SA PAG IBIG. SABI NGA PO NI ATTY BERBERABE SA PAGIBIG MAKAKAMTAN ANG PINAGHIRAPAN. eh pano po yun kung di na ako umabot ng age 65 tulad ng sinasabi dito ng branch nyo sa Calamba,Laguna.ano po b ang dapat kong gawin para marefund ko na ang aking savings sa pagibig. salamat po

  145. Hi Ash, puede lang ang early retirement na option kung merong private early retirement program ang company. Nasa letter A. 3. a. sa likod ng claim form. I-certify ng company that you were an employee of the company from mm/yyyy to mm/yyyy and that you have availed of the company’s early retirement program on mm/dd/yyyy, and that your last day with the company was mm/dd/yyyy, then pa-notarize.

  146. I’m 48 years old. There’s a requirement na pag gusto mo ng mag-retire early, kailangan may notarized certificate of early retirement. Kaso hindi alam ng company kung paano gawin ang certificate. Nagtanong ako sa pag-ibig wala naman silang sample ng certificate. Paano ba ang gagawin? I need to get my retirement benefits.

  147. Hi carlo, sad to say, wala ang company closure sa list ng puedeng reasons to claim Pag-ibig retirement benefits. Kung younger than 60 and less than 240 contributions, kelangang merong early retirement program ang company at merong certification from the company na nag-avail ng early retirement ang member.
    pero magtanong pa rin as Pag-ibig para sure.

  148. good day… ask ko lang po..
    yung father ko po kasi is 56 years old na..
    nagwork sya before for 11years sa PNCC and separated last 2008 due the closure ng company..
    pwede po kaya sya magclaim ng early retirement? may contribution po sya ng 11years..
    di na po sya makakapagsecure ng certificate of early retirement sa employer because of the abovementioned reason.
    thanks po…

  149. Greetings!
    I just want to know if what is the requirements for PAG-IBIG retirement? Thankyou

  150. Hi henry, yes, pareho lang dapat. Pero kung hindi pa Pag-ibig MID noon ang Pag-ibig no. mo when you were in government (kasi merong temporary Pag-ibig noon), it’s also possible that your MID will be different. Register online at so you can get your correct MID. If you already registered online before, you will get the same MID as long as you enter the same basic personal data.

  151. empleyado po ako ng gobyerno since 1985 to 1995 tapos lumipat po ako sa private company yung number ko po ba noong nasa government service ako eh parehas pa rin ngayong nasa private company na ako?

  152. Hi Odylon, sorry I don’t have access to Pag-ibig records. You need to go to your Pag-ibig branch with your ID and ask.

  153. My Pag-ibig number is 0008 116568 04. There was a confusion on whether I already claimed all my Pag- IBIG Funds. I would like to verify if I was able to claim it based on Pag-IBIG records.

    I retired from my last employer July 2009.

    Thank you so much for your kind attention!

  154. Hi Rosario, since you’re now claiming your retirement, I think it’s best if you write all the names and time periods, to help Pag-ibig in their cross-checking of contributions, especially if your company relocated and filed with a different branch. You can request for a copy of your contributions to check if all your contributions were remitted and posted.

  155. I just retired from my company, AIG Phils. Insurance, Inc, Our company undergone several transitions where the company name was changed fromtime to time. Do I need to summarize ors state all the names of our company for the year it chaned its name or just the latest one which is AIG?

    Thnak you.
    R. san Juan

  156. Hi Rosabella, did your father get his Pag-ibig savings before he died? I ask because you’re asking about burial benefit. Because if your father had already claimed all his Pag-ibig funds before, then he’s no longer eligible for burial /death benefit (It’s not like SSS).
    If not yet, here’s the Pag-ibig provident claim form The requirements are listed in the claim form

  157. Good day po,,, may i ask , how can my mother claim the burial benefit of my father who passed away last june 9 tnxhope you answer my mail

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