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

237 Comments

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  1. Hi gelyn, sorry but you’re not allowed to apply for a lump sum. A partial withdrawal is allowed on the 10th year (between 10th year and 11th year), and on the 15th year, but there should be no gap in payments, or there should not be a missed payment, not even one month. What you can do is to apply for a loan as voluntary member. Show proof that you have another source of income. You can ask for a certification from your barangay that you are earning from your buy-and-sell business or sari-sari store, etc.

  2. i am a self-paying employee and is contributing to pagibig for 20 years i want to make sure when I reach 45 and early-retired to a company? will I be entitled for a retirement benefit claim? thanks

  3. Hi Rodel, yes, when you turn 45 and you’ve already accumulated at least 240 monthly contributions, you can claim your total savings plus dividends

  4. hi miss neva i need an answerto my father retiredment. its been a long time that i filed it in pag-ibig imus last september 03 2015 up to know you didnt answer it you always told me you need a copy of certificate coming from kalentong its taken a long time. but if paG IBIG DEDUCT A CONTRIBUTION US SOON AS POSSIBLE WE DEDUCT. What kind of work are you providing?

  5. Hi catherine, did your father get a Pag-ibig housing loan? I thought of it because you said they need a certificate from the Shaw-near-Kalentong branch. In which Pag-ibig branch is miss neva? You can email miss neva c/o the Pag-ibig branch’s email address.

  6. I am still a working in us,can I file for my philippine sss retirement benefit since I am already 61 years old.

  7. I’m a Pag-ibig member when i was working in Saint Vincent hospital in cebu. My Pag-ibig fund is not active. What can I do aside from housing? Can I use it as a pension fund if I continue paying pag ibig fund?

  8. Hi Maria Ame, yes, you can continue saving with Pag-ibig so you have more money when you retire. You can increase your monthly savings to any amount. Are you still in Cebu? Keep your receipts so if you need to consolidate savings later on (meaning contributions were paid to different Pag-ibig branches), you have receipts for counterchecking

  9. Ms. Nora, normally, considering all supporting documents have been checked and in order by receiving branch, supporting an application for a retirement claim, how many working days to process claim from submission of documents to check release? And what major instances would delay processing a claim?

  10. Hi patir, usually 3 weeks to 1 month. Major reason for delay: when a member’s contributions were remitted to two or more Pag-ibig branches and need to be consolidated (this happens when a member had different employers in different regions).

  11. Good Day, Mrs Nora. May I ask if am qualified to file a disability claim. I was diagnosed to have kidney failure and undergoing hemodialysis twice a week. I am not working for a very long time, but I believed I contributed more or less 10 yrs in PAGIBIG fund when I was still working. I am now 49yo.

  12. My husband died last year and I have filed for benefit claims. I submitted all the needed documents in Tacloban because my husband’s office was based in Catarman, Northern Samar. I do not know now what is the status of my claims. Can I follow up status of my claims in any Pag-ibig branch? You see, we reside in Cainta making it impossible for me to go to Samar to do follow-up. Thanks.

  13. Hi Ms. Nora,

    I cant access my pagibig membership pfofile. I want to know my total contributions. I want to continue it.

    Thank you in advance for your help.

  14. Hello, I am from Nueva Ecija. I want to apply for Provident Benefit. One requirement for “RETIREMENT” is at least you are 45 years old and Notarized Certificate of Early Retirement. I have requested from my former employer a notarized Certificate of Early retirement. Is that document already applicable for my application or will i still go to my former employer main office in Makati for them to certify the PAG-IBIG document. I am just asking this so that i can save time and money travelling to makati. Thank you

  15. I have filed my early retirement claims last mid of may 2016… Im in cebu right now, ive designated my daugther to claim it. Now we are both having a difficult time following up if the the check is available. Please help.

  16. Hi Maria Victoria, was there no question about your early retirement certificate? If your daughter claims the check, she needs a notarized SPA (use the Pag-ibig form), 2 valid IDs (yours) and 2 valid IDs (hers). If documents need not be verified, processing usually takes a month.

  17. Hello, my mother passed away last January 2010. we would just like to confirm if she already claimed her savings before she passed. She used to work in BPI for 27 years and availed their early retirement offer but we are not sure if she claimed her Pagibig savings. How can we verify this information and what would I need to provide for you guys to disclose this information out? Thanks in advance.

  18. Hi Ronald, you can email Pag-ibig contactus@pagibigfund.gov.ph and ask if your mother has claimed her Provident benefits when she retired. Include your mother’s full name and date of birth and employment info. Attach a photo or scan of your IDs, birth cert (proof of relation to your mother) and your mother’s death cert. You can also visit your mother’s Pag-ibig branch with these docs if you want an immediate answer.

  19. Hithere . Ms Nora patulong po pamangakin po ako ni Lita H.Clarito she died 6 years ago and wala po kaming knowledge about sa kanyang Pag Ibig,. Nag retire po sya bago sya namatay. Wala po syang asawa wala din pong anak at isa na lng po ang buhays sa knilang magkakapatid si tatay po yun. pano po namin malalaman kung mmay makukuha pa po si tatay para sa knyang yumaong kapatid. Mam kindly help us po, Im willing to talk to you po through phone para maintindihan nyo po ng maayos

  20. My husband is Mr. Edgardo Arcega Cantos who suffered for stroke. I’m already filed disability application last May 2016 here in Batangas Branch but until now no response at all. I made it to follow always but they always said that no response from Makati. Almost 3 months already. How long will it take to process like this. Thanks very much and hoping for the early response for this.

  21. My husband is Mr. Edgardo A. Cantos who suffered for stroke. I’m already filed Disability Application last May 2016 here in Batangas Branch but until now no response at all. I made it to follow up always but they always said that no response from Makati. Almost 3 months already. How long will it take to process like this. Thank you very much and hoping for the early response for this

  22. hi!miss nora nag apply ako ng retirement claim noong june 14.ok naman un mga requirement ko at ang sabi ni yolly 3wks daw ang processing bago ma release.tanong ko kung pwede ko ng kunin un retirement claim ko.mahigit na 1month.ty.

  23. Hello! My father just turned 60 last Feb 26,16.he’s now in the process of filing his pag-ibig retirement claim. However, GSIS retirement voucher is still missing. He went and asked for it but GSIS mentioned that he needs to wait until September bec. My father still has an outstanding loan balance from them. Now, my question is why is that so? He retired last 2014 and suppose to get his pension this year also. Is there any way we can ask for any supporting documents from GSIS aside from the voucher? Please help. Thank you

  24. quiry lang po. last April 30, 2016 pa nag apply for retirement claim ang Mister ko sa main office sa Makati . nawala po ksi CP nya kaya di namin alam updates..pwede po ba yan kami dito sa branch office sa Palawan mag inquire kung dumating na claims ni Mister? thanks po

  25. Hi salvacion, hindi pa kasi centralized ang records ng Pag-ibig, so I’m not sure if the Palawan branch has access to claims processing results in Manila. But if they like to help, puede silang tumawag for you. Another option is to call the Pag-ibig hotline 724-4244. Puede ring call the Makati member services trunk line: 812-4731 then magpa-connect ka sa Provident claim processing.

  26. hello po, I am inquiring in behalf of my father, I just like to ask if my father can still claim for retirement/pag ibig benefits? since he’s already 60 last may 15. he was 27 years in service in PICOP Company at Bislig City Surigao del Sur before it stopped operating.

  27. My father worked for 35 years , and he uses his nickname but while we were processing his SSS retirement benefit we already change it to his real name .
    How can we claimed his Pag Ibig fund savings retirement ?

  28. Hi Ciel, Pag-ibig needs at least 2 valid IDs. If the IDs do not show his date of birth, mag-submit ng NSO birth cert. Dapat yong name sa IDs ay the same with his Pag-ibig name. Pag walang IDs na the same with Pag-ibig name, present his NSO birth cert (kung ito yong pareho) and his Pag-ibig card. Kung wala, visit Pag-ibig and ask if they accept notarized joint affidavit na your father ____ (nickname) is the same person as ____ (name sa Pag-ibig).

  29. Hi jeffrey, yes, your father can file his claim at the Pag-ibig branch nearest the location of PICOP, or at the branch where PICOP filed their Pag-ibig submissions. Docs: Application for Provident Benefit form and 2 valid IDs and NSO Birth certificate if the IDs do not show his date of birth.

  30. Hi Nora, I am planning to apply for APB as PERMANENT DEPARTURE FROM THE COUNTRY.. I am already a citizen here in Canada and I will be visiting Philippines soon for only 2 wks. May I know then of how many days will it take to process my claim? Thank you. Victoria

  31. Hi victoria, did you work for only one company in the Phils? One thing that can delay processing is if your records are spread in two or more Pag-ibig branches. You might not be able to get your money within 2 weeks even if your records are in one branch, but you can ask Pag-ibig. You can file immediately upon arriving, then issue a SPA to your representative to claim the check, and make sure that you have an active Philippine-based account so your rep can deposit the check to your account. It’s also good to open an account with a Bancnet-member bank so you can use it to pay your SSS online, if you like. With any bank, if you decide so, enroll in online banking here because activation is through atm here.

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