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


Add a Comment
  1. Hi Garingo, I hope you get your claim next week. Or it might take a little longer as you are in the province. Didn’t they give you a phone number to call for follow-up? You can try this Pag-ibig Iloilo Services hotline: (033) 338-1032

  2. Hi pOh. my father has been working for 5 yrs in a new company. Can he get something because he just retired. thanks.

  3. Hi Rowella, if your father’s company remitted contributions to Pag-ibig, then your father can file his claim at the Pag-ibig branch where his company remitted contributions, usually the branch nearest his company’s location

  4. Hi Ms. Nora! My father suffered from stroke and he already claimed for disability few years ago. I’ve seen in the tv ads the Balik Savings 65 whereas 65 yrs above can claim their contributions plus the interest. Can my father can still avail of it eventhough he already claimed for disability? Thank you very much! Regards, Shirly

  5. Hi shirly, that program is for members aged 65 who have not claimed their benefits or who have continued to contribute to Pag-ibig after claiming. If your father continued to contribute to Pag-ibig after getting his disability benefit, then he can claim his savings. You can call Pag-ibig 724-4244 and ask if your father has still benefits to claim. Be ready with your father’s personal and Pag-ibig information.

  6. Hello po, I’m Ofw. If I become a member of POP, can I avail of pension when I retire at the age of 60? Thanks

  7. Hi JR, POP has been changed to MP2 or Modified Pag-ibig Program and is now offered to both OFWs and non-OFWs. There’s also the original savings program Pag-ibig 1. When you turn 60, you get your P1 total savings plus dividends in one lump sum (in a single check), not pension. It’s SSS that gives pension. You can also claim your P1 at age 45 or older if you have accumulated 240 monthly savings. For MP2, you can withdraw your savings after 5 years, or if you like, on the 5th year, you renew your account for another 5 years. If not yet a P1 member, get your Pag-ibig MID no. and then start paying. For MP2, apply for your MP2 account no. then start paying.

  8. hi po, is my father qualified for balik savings? He has retired and has claimed his lump sum from PAG IBIG. He did not continue contributing. thanks

  9. hello, I claimed my retirement benefit last april 2015, iloilo pagibig branch. Your processing was so fast my check arrived this june. The thing is my total contributions from 1981-1996 in my former company plus my 18 yrs abroad contribution i compute it to be more 20 thousand in total. My question why i received only 18,787.77 for my retirement without any dividends and even less that my total contributions.

  10. Hi Leslie Ann, you said your father has already claimed his money from Pag-ibig when he retired, so he has no more money to claim from Pag-ibig. I think Balik Savings65 is just a pakulo to make processing faster for those 65 and older who have not claimed their money from Pag-ibig.

  11. Hi Honorato, it’s really sad that Pag-ibig has not yet centralized their records. If you worked for only one company in the Philippines, then it’s most likely that your local savings/dividends total is correct. It could be that your OFW contributions were remitted to the OFW office at the Makati Gil Puyat branch and was not included in your claim. You can call or email: and CC
    OFW Center/CEO III
    OFW Members Services Department
    317 Justine Bldg. Sen. Gil Puyat Avenue, Makati City
    Tel. No.: (02) 422-3114

  12. I’ve been paying regularly. I want to have my house in Bulacan repaired or have home improvement. Already totally paid. Has title. What should I do? I don’t have work. I’m a housewife. I’m here abroad, plain housewife. Is there a chance I can reconstruct my house in pilipinas since i am paying my regular contribution?

  13. Hi Carmela, you have your own residential title, and you’re a Pag-ibig member, so yes you can apply for a Pag-ibig home improvement loan. Your only problem is you need to show proof of your source of income. Do you have a bank account where there’s a 2-year or longer record of regular deposits? Other requirements will be building plans signed by an engineer, bill of materials and labor costs, and building permit and SPA for your Philippine representative. These are my unsolicited thoughts though: I feel uneasy about the thought of pawning your fully-paid house to repair it, especially that you’re not here to supervise the repair, and there’s the risk that you can lose your house to foreclosure if you’re unable to pay off your loan. Maybe it’s wiser to save money, then have the repair when you accumulate a bigger amount. Saving will also test your ability to receive a bigger amount of money and set it aside regularly.

  14. I want to know the status of my retirement claim which was filed on July 22, 2015. I’m trying to reach the number given to me 812 4731 local 402 but no one is answering my call.
    Please let me know the status. Yours truly, Arnel Batac Ople

  15. Hi i am felisa i retired last June 1 2015 at LGU Cainta compulsory retirement. why up to now i have not received my BENEFIT? PLS MAKE IT I NEED THE AMounT BADLY TY GBUs
    Please facilitate my CLAIM. MY NAME IS FELISA F TANCINGCO

  16. Hi Felisa, have you filed your Provident benefit claim at your Pag-ibig branch? After filing, processing takes 3 weeks to one month. Pag-ibig will give a stub with a phone no. for follow-up.

  17. Hi Hilario, file your claim in person at your Pag-ibig branch with 2 valid photo IDs, Application for Provident Benefits form and NSO birth certificate. If you worked in different cities or provinces, make sure your contributions have been consolidated in one branch before your file your claim.

  18. Hi Cristina, usually Pag-ibig processes claims in 3 to 4 weeks. You may call Pag-ibig to follow up after 4 weeks


  20. Hi julie, yes, you can pay your MP2 at any Bayad Center. Don’t check member type, but if the Bayad Center insists on you to check member type, check VM (as anyway, your MP2 payment is voluntary although you’re employed). Keep your receipts and keep a record of your savings for future reference.

  21. I have more than 240 contributions. I’m already 59 this October of 2015 and plans to retire by 2016 to get myself involved in charity works. I have a loan at Pagibig which I had received last March, 2014 of P20,140.00.I have not paid anything yet, because my salary is not enough to pay those bills that I need to pay. I also have one from SSS. Can I still get my retirement benefits even if I did not pay any single amount to my loan? Thank you for reply.

  22. Hi Josephine, yes, you will have something to get from Pag-ibig. Your salary loan amount was about 80% of your total savings last March 2014, so you have about 20% left. What Pag-ibig does is to deduct your total loan from your total savings/dividends, if your loan is left unpaid. The same with SSS, if you have an outstanding salary loan when you retire, SSS will deduct your loan monthly from your monthly pensions, until your loan is fully paid off. You’ll start getting your pension only after your loan is paid off.

  23. Hello po may I ask the status of my father’s retirement benefit. My father is Mr.Edgar D. Farola. up to now there’s no update. We live here in general trias cavite and it’s difficult for my parents to travel many times to shaw. Thank u

  24. Hi sheila, did your father receive an acknowledgment stub? Was it written there that you can call them after 3 to 4 weeks? That’s usually the time frame that they give. And usually they write a phone number to call for follow-up after 3 or 4 weeks. This is Pag-ibig Shaw’s phone number: 422-3000

  25. Hello. I have a friend. Her spouse who’s a public school teacher for 32 years has died. Before he died, he was 60 years old and 6 months. He filed for early retirement july 25, 2015. Time of death 2nd week ng august 2015. May I ask who’s the beneficiary? They have no child. What are the requirements to claim pag ibig benefits of her spouse. Thanks po

  26. Hi Richard, do you mean that her spouse filed his claim just before he died, and that the claim was not yet processed and was not yet claimed by the spouse? If not yet claimed by her spouse, she’s the primary beneficiary. But she is required to write the names of her spouse’s parents on the Proof of Surviving Legal Heirs form. Other requirements: Application for Provident Claim form, 2 valid photo IDs, NSO marriage certificate and NSO death certificate.

  27. Hi Nora, I have staggered contributions since 2010 totaling over 5 thousand pesos. Am i entitled for a housing loan at this point? I am an OFW.

  28. Hi Lloyd, yes, you can apply for a Pag-ibig housing loan. Even if you’re short on the required 24 contributions, you can immediately pay what’s lacking in one payment, so you can apply. For example, you only have 16 past contributions, so you need 8 more contributions to complete the required 24. You just pay 200 pesos x 8 = 1,600 pesos, and you’ll be allowed to apply. After your loan is approved, and the loan amount is higher than 500,000, you will pay the increased monthly contributions based on your loan amount. Here’s a table of Pag-ibig loan amounts and monthly contributioons

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