When Can a Pag-IBIG Fund Member Withdraw His Savings?

Upon meeting certain conditions, Pag-IBIG Fund members or their eligible beneficiaries can withdraw their contributions. 

Membership maturity

A member is eligible for a refund if he or she has already remitted at least 240 monthly membership contributions. For Pag-Ibig Overseas Program (POP) members, they should meet the 4, 10, 15 or 20 years of accumulated contribution depending on their chosen option during membership registration.


As a member reaches the age of 65, he or she is considered retired. He or she can also consider the optional retirement age of 60 and voluntary retirement at 45.

Permanent total disability or insanity

The following disabilities will be deemed total and permanent:

  • Temporary total disability that lasts for more than 120 days;
  • Complete loss of sight of both eyes;
  • Loss of two limbs at or over the ankle or wrist;
  • Permanent complete paralysis of two limbs;
  • Brain injury resulting in incurable imbecility or insanity; and
  • Such other cases which are adjudged to be total and permanent disability by a duly licensed physician and approved by the Board of Trustees.

Termination from service because of health

If a member’s termination of employment is due to health matters, it may be considered a serious matter. In this case, it may be possible to withdraw Pag-IBIG contribution for possible health and medication expenses. 

Permanent departure from the country

Pag-IBIG members who immigrate to other countries cannot fully avail of its benefits. Thus, it is only fair to permit them to withdraw their contributions. 

Death of member

In case of member’s death, the benefits will be divided among the member’s legal heirs under the New Civil Code as amended by the New Family Code.

Requirements to claim Pag-IBIG benefits

  1. Application for Provident Benefits Claim (APB, HQP-PFF-040)
  2. Pag-Ibig Transaction Card and one (1) valid ID card with photo and signature of Claimant If Pag-IBIG Transaction Card is not available, two (2) valid ID cards with photo and signature of Claimant.
  3. Service Record (For Government Employee)
  4. Statement of Service (For AFP member)

Additional Requirements

(The following additional documents shall be submitted depending on the reason for a claim)

A. For Death:

  1. NSO/PSA Certified True Copy of Member’s Death Certificate
  2. Notarized Proof of Surviving Legal Heirs (HQP-PFF-030) NSO/PSA Certified True Copy of Birth Certificate of all children or Baptismal/Confirmation Certificate (If with child/children)
  3. Notarized Affidavit of Guardianship (HQP-PFF-028) (if with child/children below 18 years old, or if child/children is/are physically/mentally incompetent). To establish kinship with the deceased member, the claimant shall submit any one of the following:
    • NSO/PSA Certified True Copy of Member’s/Claimant’s Birth Certificate
    • NSO/PSA Certified True Copy of Non-Availability of Birth Record and Notarized Joint Affidavit of Two (2) Disinterested Persons (HQP-PFF-029)
    • Certified True Copy of Member’s/Claimant’s Baptismal/Confirmation Certificate
    • If Member is single, Certificate of No Marriage (CENOMAR)
    • If Member is married, NSO Certified True Copy of Member’s Marriage Contract and Advisory on Marriage.

B. For Retirement:

  1. Submit any one of the following:
    • NSO/PSA Certified True Copy of Birth Certificate
    • NSO/PSA Certified True Copy of Non-Availability of Birth Record and Notarized Joint Affidavit of Two (2) Disinterested Persons (HQP-PFF-029)
    • Notarized Certificate of Early Retirement (For Private Employee only, at least 45 years old)
  2. GSIS Retirement Voucher (For Government Employee)
  3. Order of Retirement (For AFP)

C. For Permanent Total Disability or Insanity/Termination from the Service because of Health

  • Physician’s Certificate/Statement (With clinical or medical abstract)

D. For Permanent Departure from the Country

  • Photocopy of Passport with Immigrant Visa/Residence Visa/Settlement Visa or its equivalent
  • Notarized Sworn Declaration of Intention to Depart from the Philippines Permanently (HQP-PFF-031) (There is no need to submit a document if the member is already based abroad).

If a member isn’t sure of the Total Accumulated Value, he or she can request for print out, visit the nearest Pag-IBIG Fund office, email at [email protected] or call 724-4244 (Pag-IBIG) – 24/7 Call Center operation.

List of Pag-IBIG Fund offices in the Philippines and overseas

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