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

218 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.

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