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

If you’re nearing retirement and you’ve had more than one employer, check as soon as you can if all the records of your contributions since your started contributing to Pag-ibig are already in one branch of Pag-ibig.

Pag-ibig does not consolidate the records of members whose employers are located in different Pag-ibig jurisdictions; it expects its members to consolidate their records.

It takes months to consolidate, so start now.

Ipunin mo ang records mo sa isang Pag-ibig branch lang

My husband, who had two employers and who also continued paying as a voluntary member while working abroad, had to track his contributions and consolidate them in one branch before he was allowed to submit his retirement claims.

The dollar-denominated Pag-ibig Overseas Program, however, is really separate. You make your claims separately at the Gil Puyat, Makati branch.

By the way, my husband has paid more than 240 monthly contributions, so he was to able to file a claim. But he’s still waiting because of the consolidation process.

Update as of March 2011:

My husband’s claim, which was processed over a span of several months in 2009, was rejected because Pag-ibig counted only 231 contributions. Pag-ibig advised my husband to pay nine monthly contributions, either monthly, quarterly, or at one time, but has to wait for 9 months before he can file his claim again.  We didn’t yet refile because we decided the money can earn more with Pag-ibig than with a time deposit. We can use it for my daughter’s tuition fees in her higher years in college.

Related Articles:

PAG-IBIG Branches in Metro Manila, Cavite, Laguna, Bulacan
Pag-ibig Retirement Linked to Pag-ibig Housing Loan


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  1. 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?

  2. 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.

  3. 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.

  4. 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.

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

  6. 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.

  7. 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.

  8. 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.

  9. 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?

  10. 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?

  11. 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.

  12. 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.

  13. 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!

  14. 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?

  15. 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.

  16. 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?

  17. 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.

  18. 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

  19. 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.

  20. 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

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

  22. 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).

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