Pag-ibig Benefits — Retirement Claims

Can you now claim your Pag-ibig retirement benefits?


There are only five conditions in which you are allowed to get your Provident retirement benefits.

Under the sixth reason — death —  beneficiaries will get the benefits.

You should be in one of the following conditions before you can claim:

  • You are 60 years old or older.
  • You have 240 monthly contributions or more and you are 45 years old or older.
  • You have permanent and total disability.
  • You have been formally separated from service because of serious illness.
  • You have immigrated to the U.S. or another country.
  • You have already retired from the SSS or GSIS.
  • You have retired from your company under your company’s early retirement plan and you are 45 years old or older.
  • Death. Your legal beneficiaries will get your benefits.

For each of these conditions, you have to submit proofs.

Here is a copy of the Pag-ibig Benefit Claim Form

On the Provident claim form, you can see the list of required documents.  The type of required documents depend on your reason for retirement.

Before you go to Pag-ibig Fund, the best things to do first are to:

  1. List the companies where you worked, addresses of these companies, and dates when you worked in these firms.
  2. Go to Pag-ibig Fund and ask for a copy of your contributions. Go to the Pag-ibig branch where your last company is making its Pag-ibig submissions.  Bring 2 valid IDs.
  3. Check if all your Pag-ibig monthly contributions are included.
  4. If there are missing contributions, think if these could have been submitted in another Pag-ibig branch. Companies usually make submissions to the Pag-ibig branch nearest to them.
  5. If you need to, request for a consolidation of records.  This is a copy of the Pag-ibig Request for Transfer of Members’ Records form.
  6. If you’re making a claim for your parent or relative, have a SPA or Special Power of Attorney.  This is a copy of the SPA for Pag-ibig Claims.

Other Related Forms:

Proof of Surviving Legal Heirs
Affidavit of Guardianship

Related Articles:

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

Pag-ibig Retirement Linked to Pag-ibig Housing Loan

PAG-IBIG Branches in Metro Manila, Cavite, Laguna, Bulacan

145 Comments

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  1. Hi allan, even if you pay in advance 3 years of contributions, you need to wait for the actual passage of 3 years, meaning you can get your savings only after 3 years (in 2017), and you must be 45 years old or more by then to get your savings.

  2. Hi dennis, yes, if you have accumulated 240 contributions.
    If less than 240, you must present to Pag-ibig a certificate from your former employer that you have availed of their early retirement program.

  3. Hi, ask ko lang balak ko sana i-member yung isang lolo ko na 62, na pwede pa kaya?, worth it ba pa? Tnx!

  4. Hi. my mother died this year. last 2013, she received her retirement benefit from pag-ibig.. are we still eligible to apply for death claim though she already got her retirement benefit? thank you

  5. Hi beth, what I know is that you can no longer claim, because she stopped being a member after she got her retirement benefit. Ask others too, to be sure.

  6. May I ask if we can get pension from Pag-ibig just like that from sss? I already paid contributions for 2 years until 2015. Can I claim those later on at maturity, as long as I continue contributing? I also paid contributions when I was employed in the Philippines and when I worked in Singapore — will these be included?

  7. Hi mlhon, Pag-ibig has no pension program. When you turn 60 or have accumulated 240 contributions and turned 45 or older, what you will get is your total accumulated values (TAV), which consists of your total savings plus total dividends.
    Yes, all your savings will be consolidated. Do you already have a Pag-ibig MID no.? OFWs can check their contributions at pagibigfund.gov.ph.
    When you get back, if you like, go to your Pag-ibig branch with your IDs and ask for a copy of your contributions. If you don’t find your overseas contributions there, go to the OFW office at the Gil Puyat Makati branch and ask for a copy of your contributions. Ask how you can consolidate your contributions in one branch, so it’s easier to claim later on.

  8. Hi. I am just going to ask about death claim. My father worked in a municipal government for almost 17 years, retired at the age of 60. So as a government employee, it means that he is a member of Pag Ibig Fund. And now that he passed away, do you think his beneficiary is qualified for death claim somehow? I appreciate very much your reply to this matter.. God Speed on you!

  9. Hi Ria, if your father did not claim his Pag-ibig Provident benefits (total savings plus dividends) when he retired, then you can file your claim for Provident benefits. The 6k death benefit will be added to total savings and dividends. But if he claimed already before he passed away, then you can no longer claim, because he stopped being a member when he claimed his Provident benefits. Ask others too

  10. Good pm..may i ask if we can avail of a housing loan from pagibig.. my minor siblings are pnp pensioners. both of our parents have passed away ..im the eldest..we now live in this house and lot that my father bought from urban ..been a pagibig member, but it’s been 2yrs that i don’t have work.. pls reply tnx

  11. Hi donna, sad to say, you need a stable source of income to be able to apply for a housing loan. Income papers are required. I hope you find a good job. Keep strong and prayerful. Take care

  12. gud am sir, mam puwede po bang malaman kung na i process na po ba ung retirement claim ni edito romero adorio father ko po. last july po kc cla nagprocess e sabi po sa knila mga 3 weeks po ung process.

  13. sir mam. tanung ko rin po kung cno po ba ang pwede mkontact sa pag inquire ng retirement claim pra direct na lng po namin clang tawagan thanks po and god bless?

  14. mam may i ask about the retirement claim of EDITO ROMERO ADORIO. We filed august 31 and they said it will take only 3 weeks. What direct line can we call to inquire? thanks and god bless

  15. Hi Nora good morning, may i ask which branch office should I go to for my claim. I live in Muntinlupa City. I like to claim my retirement money. I’m 66 yrs. What are the requirements? Thank you

  16. Hi Rebecco, you should claim at the Pag-ibig branch nearest the company where you worked for the longest time. List the companies where you worked including the employment dates, so you can cross-check when you see your Total Accumulated Values copy. You can request this. If there are missing contributions, that means your other Pag-ibig contributions were remitted to another branch (this happens if you worked in another city). You can consolidate your records before filing. Use this form: Transfer of Member Records
    Here are of the Pag-ibig claim forms needed

  17. hi nora may i ask. my uncle worked in manila for almost 9 years. He’s a member of pag ibig. He’s 60 years old. He has a pag-ibig id. How can he claim and what are the requirements? His previous company has already closed; it got burned. His pag-ibig id is old. hope you can help us. He’s here in albay. can he claim here, as manila is far, and he’ll get dizzy if he travels to manila to process his claim. thanks.

  18. Hi charliemagno, required claim forms: Provident claim form, Pag-ibig ID card and 1 valid photo ID (orig and xerox), copy of total accumulated savings (TAV) and NSO birth certificate. Yes, your uncle can request the Albay branch to file for him, but he needs his TAV copy which he can get only from the branch where his records are. Did he work in only one company? Your uncle can email or call the branch where his records are. Here’s a list of Metro Manila branches , or you can visit or call the Albay branch and ask if your uncle can file in the Pag-ibig Albay branch even if his records are in Metro Manila.

  19. Hi Ms Nora, my mother wants to claim her contributions. She’s 63 y/o but the problem is, Venus Caligagan De Guzman born June 21, 1952 registered name and birth as member but her nso birth certificate shows Maria Vinuz Fernandez Caligagan born July 12, 1952. Then she’s not married to my father all this time. What should she do? need your help ms. Thanks.

  20. Hi Juve, your mother should be able to claim her savings because the money is hers. Her records have 3 discrepancies: her birth date, her name, and her surname (as she’s not married). Pag-ibig has this form: Joint Affidavit of Two Disinterested Persons, but this form resolves only the discrepancy in birth date. To fill up this form, use the name and birth date registered in Pag-ibig.
    Then make another Joint Affidavit, copy the same format, but remove Nos. 1 to 3, and substitute these:
    1. We personally know Venus Caligagan De Guzman of (home address), being acquaintance for a long period of time;
    2. We declare, confirm and affirm that she, Venus Caligagan De Guzman, a Pag-ibig member, is the same person who is named Maria Vinuz Fernandez Caligagan in her birth certificate;
    3. We declare, confirm and affirm that her surname De Guzman is the surname of her common-law-husband, ________ De Guzman, with whom she has one child ( ___ children).
    4. We declare, confirm and affirm that the names Venus Caligagan De Guzman and Maria Vinuz Fernandez Caligagan refer to one and the same person;
    5. She has been using Venus Caligagan De Guzman in all her documents and transactions;
    Make this second affidavit only if Nos 1. to 5. are true and correct. To be sure, before you have these notarized, you can go to Pag-ibig and ask if these affidavits are enough to resolve the discrepancies.
    And may I ask a favor from you? Would you please comment here later on if Pag-ibig accepted your affidavits? Thanks

  21. Hi mam nora! Thank so much po sa reply kailangan ko po talaga tulad nyo to guide me sa problema namin. Same situation din sa SSS kc member din mother ko 72 contributions na xa (SSS) aasikasuhin din po namin if pwd po xa makapagpension. Pati po Sa birth certificate de guzman po ginamit saming 2 magkapatid at Venus Caligagan nakarecord na mother. Masalimuot po mga papeles namin ;-( kaya kaya pakiguide po ako palagi mam. Update ko po kayo Lagi sa pagpaprocess sa pagibig and SSS. Thank you so much talaga!

  22. What should we do if a member has a delinquent housing loan? We had a housing loan that we have not paid because our father had a stroke. They said that for retirement benefit claim, foreclosure is needed. How is that?

  23. Hi Joy, do you mean you’re no longer interested in this house and lot paid for by your housing loan? Are you willing to give back the property to Pag-ibig so your father can get his retirement benefit? Are you willing to lose all the money you paid for the house and lot? If yes, then you can ask Pag-ibig if instead of foreclosure (since this process takes time), you sign an agreement giving back the property to Pag-ibig so your father can be cleared of his housing loan and so he can get his Provident benefits.

  24. Hi noel, you can withdraw only after accumulating 240 contributions and you’re 45 years old or older, or if you have an immigrant visa, or retiring at age 60.

  25. I’m a retired Deped employee and was active in the service when PAGIBIG fund was established. What I know is that Pagibig means Pagtutulungan ng 4 na bahagi. I -kaw (employee), B-anko, I-ndustriya (employer, at G-obyerno. With this system, Ikaw as employee will pay as participant a monthly contribution that will be matched by your employer. We as teachers of DepEd, our contributions are to be matched by the banks that are managing our money that should also be matched by the government. Pagibig will manage the funds that will be used for housing or real estate and also for provident loans to members. This means Pagibig is earning from the money entrusted to them. Why then that after 240 contributions or 20 years, when the time comes for the member to get his money, that what he gets back is only the money he has saved? Where is the portion of the employer? the bank that earned from the funds and the government? Just asking.

  26. Hi Alfredo, just like you, I also thought years before that our Pag-ibig contributions will be matched not only by our employers, but also by government, as implied, whether unintentionally or not, when Pag-ibig was being launched. But years later when I checked the laws that established Pag-ibig, I read that it’s only the employer (Industry) that will match the employee (Ikaw) contribution. The role of government (Gobyerno) is to manage the funds mainly for housing, using the services of banks (B).
    When the time comes that you get your Pag-ibig savings, your TAV (Total Accumulated Savings) printout should show your list of contributions, employer contributions and annual dividends, and what you should get as Total Provident Benefit is equal to your Total Contributions plus Total Employer Contributions plus Total Dividends. If your TAV printout do not show your employer contributions and your annual dividends, then go to Pag-ibig and ask for explanation and correction. Please comment again to share your updates.

  27. Hi Ms. Nora. my father wants to claim his pension after 16 years of work in his company but he didn’t remember his membership identification number. Is it possible to recover his record in pag-ibig by using his name only? Thanks.

  28. Hi Raymond, yes, he can claim even if he does not know his number, as long as he’s 60 years old or older, and he presents 2 valid IDs and the required documents. It’s not pension; it will be a lump sum amount. He makes a list of his companies and employment dates so he can check if all his contributions are included in the computation. If not yet 60, he needs to have accumulated at least 240 contributions so he can claim, or he retired under his company’s early retirement fund program.

  29. Hi Nora, I migrated in the US and now a citizen, when I left Pilipinas, I left a salary loan. Will affect of anything if i decided to withdraw my contribution?

  30. Hi ruby, I assume that your salary loan was already deducted from your total savings 2 years from your salary loan date. Pag-ibig’s policy is to offset unpaid salary loan and savings 2 years from loan release date. You can claim your remaining savings plus dividends as you have already migrated permanently.

  31. How can I avail of a loan? I’ve been a member for more two years. What are the requirements and how fast is the loan released? demar consad of kidapawan city north cotabato. as of now I’m here in qatar as ofw. thanks

  32. hi ms nora. my mother retired as teacher last 2007 at the age of 60. she is 68 years old now. how can she claim her provident benefit? and how much is the benefit?thank u

  33. Hi ghen, your mother can go to her Pagibig branch and file her claim. Documents: Provident Benefit claim form, 2 valid IDs, NSO birth certificate, GSIS retirement voucher. Her benefit amount is equal to her total savings plus dividends. Obtain a SPA if you will process your mother’s claim in her behalf.

  34. Hi marie, yes, if you’re a Pag-ibig member, or if your school remitted your Pag-ibig contributions. You can claim your Pag-ibig savings if you’re 45 or older and you have accumulated 240 monthly contributions. If less than 240, you can claim at age 60 or older.

  35. Can my mother who’s a retired teacher claim? She said she got a lump sum when she retired, but there are no dividends. We saw a a commercial on tv balik dividendo65. can she claim divideds? Thanks.

  36. Hi ana, if your mother used the form Application for Provident Benefits Claim Form when she claim at retirement age, she might have already claimed all her money. But yes, there could have been errors, so you can visit your mother’s Pag-ibig branch with your mother’s ID and authorization letter and ask if your mother has money to claim.

  37. What if there’s a gap in contributions? To make it 240, do we need to fill up the gaps to wait for the maturity? is the gap a hindrance or just wait to make it 240 contributions? I mean if we take maternity leave, there’s a gap in contributions. Once we cover the gaps and the total becomes 240 contributions, can we claim provident benefits?

  38. Hi Marivic, it’s okay even if you have gaps. If you’re already 45 years old or older and have already accumulated 240 contributions, you can file your claim.

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