If you have paid your Pag-IBIG contributions diligently throughout the years and you think it is the best time to redeem back your investment, then you can easily do so just with a few steps. A Pag-IBIG member who can meet certain conditions and requirements can withdraw their contributions.
An active Pag-IBIG contributor for at least 20 years, which is equivalent to 240 months of contributions can avail of a refund. For those who are members of Pag-Ibig Overseas Program (POP), they should have paid 4,10, 15 or 20 years of contribution, but depending on the option they have chosen during their membership registration.
At 65, a Pag-IBIG member is already considered retired. But an optional retirement age can be considered. It can be a 60 or a voluntary retirement at 45.
Permanent Total Disability or Insanity
These disabilities are considered total and permanent:
- A temporary total disability that could last for more than 120 days, continuously
- Complete sight loss for both eyes
- Loss of two limbs or over the ankle or wrist
- Permanent complete paralysis of the two limbs
- Brain injury that could result in incurable imbecility or insanity
- Other cases that are considered total and permanent disability as advised by a licensed physician and approved by the Board of Trustees
Termination From Service Because Of Health Related Issues
A person who gets terminated at work because of health issues, it is considered a serious matter. Therefore, it is allowed to withdraw Pag-IBIG contributions as it might be used for health and medication expenses.
Permanent Departure From The Philippines
If an active Pag-IBIG member migrates to another country, he/she cannot fully utilize the benefits of being a member. Therefore, he/she is allowed to withdraw contributions.
Death Of A Member
In case the Pag-IBIG member dies, the benefits will be given and divided to the legal heirs as per the New Civil Code and amended by the New Family Code.
Requirements in Claiming Pag-IBIG Contributions
- Application for Provident Benefits Claim
- Pag-IBIG Transaction Card along with valid ID, with photo and signature of the claimant (if the Pag-IBIG Transaction Card becomes unavailable, the claimant can present two valid IDs with photo and signature
- Service Record (Applicable for Government Employee)
- Statement of Service (Applicable for AFP Members)
- NSO/PSA Certified True Copy of Member’s Death Certificate
- Notarized Proof of Surviving Legal Heirs (HQP-PFF-030)
- NSO/PSA Certified True Copy of Birth Certificate of all the children or the Baptismal Certificate
- Notarized Affidavit of Guardianship (HQP-PFF-028) if the children are physically and mentally incompetent
Permanent Departure from the Philippines
- Photocopy of Passport
- Notarized Sworn Declaration of Intention to Depart from the Philippines Permanently
- Immigration visa, settlement visa, residence visa or any other similar document
- For Philippine Navy, AFP and Army Members: Updated Statement of Service, Order of Retirement. And Statement of Last Payment
- NSO certified birth certificate, two valid IDs with photo, signature and birthdate, SSS or GSIS Retirement Voucher
- For private employees with age of 45 and above: notarized Certificate of Early Retirement
Separation From Service Due to Health Problems
- Certification from a licensed physician
- Notarized sworn employer’s Certification of member’s employment termination due to health reasons
- For private employees: the latest SSS Disability Voucher