How to Claim PAG IBIG Contribution

How to Claim PAG IBIG Contribution?

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You’re a dedicated member of PAG IBIG and diligently paying your contributions. Although having a precise contributing career with PAG, various members want to know the entire status of their contributions. Along with unlimited PAG benefits, you can claim contributions when needed.

However, you may wonder where your contributions or savings went or whether you’ve contributed enough or not. So, if you’re eager to know about withdrawing your contributions. We have brought the efficient claiming process of including the solution to all these queries. You can learn the requirements and how to claim your PAG loan savings contribution.

CHECK: How to Compute PAG IBIG Contribution?

How to Claim PAG IBIG Contribution?

Provident Benefits Claim of PAG IBIG

PAG IBIG loan owners have the great option to withdraw their maturity savings with regular savings. However, you have to accomplish the entire life span of their selected option.

You are informed that claiming your benefit of PAG contributions is represented as the PAG IBIG Provident claim. Thus, PAG brings rewards for every loan participant on contributes funds here. To achieve this claim, you need to fulfill the eligibility criteria. 

CHECK: How Much Are PAG IBIG Contributions?

Claiming your PAG IBIG Membership Benefits Guide

PAG IBIG allows you to claim or withdraw your funding due to any of these circumstances:

  • Retirement (65 in case mandatory and 60 for optional). Suppose you’re 45 and acquiring the private worker’s early retirement.
  • Membership maturity with 240 entire contributions or active membership with 20 years of experience with PAG IBIG
  • Insanity and disability; Individuals may get disabled permanently or for a long time. There he can be disabled to operate his business due to mental or physical disability. 
  • Member’s or his second family member’s critical illness. Individuals may suffer from organ failure, cancer, neuromuscular illness, stroke, heart disease, etc. Poor health may lead you to separation from your job. You are certified by your doctor and need to take a long break from life activities.
  • Death
  • Departure from the Philippines.
Claiming your PAG IBIG Membership Benefits Guide

CHECK: Pag IBIG Contribution Table 2024

How and When you can Withdraw PAG Contribution?

Once you’re paying your PAG IBIG contributions per month and the whole year, you’re officially eligible for a Benefits Claim. We’re delivering various ways to claim your withdrawal:

  • Optional Withdrawal
  • Retirement
  • Membership Maturity
  • Insanity or Permanent Total Disability
  • Death
  • Separation from the job due to health issues
  • Departure from the Philippines

Full: How to Withdraw PAG IBIG Contribution?

Optional Withdrawal

This loan is accessible only when a member has accomplished his loan without gaps. It shows that when your membership reaches 18 years, this loan payment will be automatically claimed according to your past contribution. It may decline if you already omitted your payments.

To acquire the optional withdrawal or claim, you must fulfill the following requirements:

  • 180 consistent contributions monthly
  • You must be a member of PAG for 15 years at least before going to claim
  • On the submission of provident benefits, there is no other outstanding loan payment with our PAG IBIG

Requirements for qualifying for the Optional Withdrawals:

  • Member’s valid ID, Loyalty Card Plus, or photocopy
  • APB; Application of Provident-Benefits claim (original form)

READ: Can I Withdraw my PAG IBIG Contribution?

Membership Maturity

Usually, PAG IBIG allows members to claim contributions after 20 years. Hence, you can proficiently withdraw it regardless of intervals or contribution gaps. Moreover, PAG allows the Overseas Program member to claim after 5-10-15-20 years.

Your membership maturity is accomplished by 12 months x 20 = 240 months > Total 240 contributions

Requirements for qualifying for the Membership Maturity:

  • Your PAG Loyalty card plus a photocopy 
  • Valid ID
  • APB Claim original form

Retirement

There can be two sorts of retirement. 

Compulsory Retirement

In the Philippines, the mandatory age of retirement is 65. However, it’s compulsory retirement that is announced by laws. However, to get your compulsory retirement provident benefits to claim, you have to accomplish these requirements:

  • Statement of Service letter for AFP member (optional)
  • Valid user ID or Loyalty Card Plus (Photocopy)
  • Service Record of relevant member (BFP, BJMP, or PNP)
  • Member’s Retirement Voucher (BFP, BJMP, AFP, PNP) 

Optional Retirement

This retirement grants Members 60 years of age. Though, it’s also profitable to acquire your savings benefits. Just prepare these documents:

  • APB Claim original form
  • GSIS Retirement Voucher; it’s applicable for government workers
  • Valid ID or Loyalty Card Plus
  • Authorized agreement letter for early retirement

ALSO SEE: How Much PAG IBIG Contribution For OFW?

Insanity or Entire Disability

If PAG IBIG members have some mental or physical disability, they are eligible to claim for their loan savings. For applying the Provident Benefits Claim, they need to prepare these documents:

  • One PAG IBIG’s registered ID or Loyalty Card Plus
  • APB Claim form
  • Doctors’ genuine statement 

Separation from Job due to Health Issues

Suppose you’ve suffered critically and can’t continue your Job. Unfortunately, you’ve to leave your Job. Now you’re able to claim for your contributions. You can prepare these documents for the appropriate claiming process:

  • APB Claim form
  • Valid ID or Loyalty Card Plus
  • Physician’s Certificate

Death

After the PAG IBIG member’s death, his provident benefits claim will be automatically provided to his beneficiaries. You’ve to prepare these requirements for legally claiming your loan:

  • PAG IBIG valid ID 
  • APB Claim form
  • Surviving Legal Heirs proof (original copy)
  • LCRO or PSA; member’s certificate
  • Issued Marriage Certificate (for married people)
  • Birth Certificate (photocopy)
  • Authorized Affidavit of Guardianship
  • Letter of Non-availability of member’s Birth Record (optional)

Departure from the Philippines

Various people leave their country due to abroad settlement, food, jobs, or other reasons. If you’re going abroad permanently, you can withdraw your contribution. Before your departure, you need to fulfill the PAG IBIG requirements for your convenient claiming:

  • Your valid ID or PAG registered Loyalty Card Plus
  • APB Claiming form
  • Immigrant Visa/ Settlement Visa 
  • Sworn Intention Declaration from the Philippines Ministry

How can you withdraw your PAG IBIG contributions?

Here you may learn about how you can claim your funding at PAG IBIG.

  • Member’s valid ID preparation

Along with your documents, you must attain your IDs:

  • Voter’s ID
  • Passport
  • Barangay Certificate
  • Postal ID
  • PRC license
  • Driver’s License
  • Further IDs list
  • Application for Provident Benefits Claim (APB) Form filling: Upload your accurate information with convenient documents.
  • Submit your completely filled documents to the PAG IBIG branch: Before you visit the official branch, you can ensure the schedule of PAG via a hotline call or contact via the phone number
  • Let the PAG IBIG organization review your submitted claiming application: Sometimes, our representative asks for your further verification
  • Get the right feedback on your claim application: after your application’s verification, our manager issues the Acknowledgment Receipt of Provident Benefits (HQP-PFF-061). Ultimately, it’s your claiming application proof.
How can you withdraw your PAG IBIG contributions?

Guide on PAG IBIG Claiming Online

  • Open your virtual PAG IBIG account.
  • Press the savings and then on ‘Claim.’ Here you must select the Regular saving maturity contribution.
  • A page of savings will open where you can Claim your funding. However, click on the download button to get the APB Claim form.
  • Upload the scanned copy of your ID if the system asks, then upload your valid ID photocopy or loyalty-plus card.
  • Drag your photo from your device and upload it with your IDs.
  • Submit your claiming file with the required documents to your nearest branch.

Full guide: How to Check PAG IBIG Contribution Online?

FAQs

Am I capable of claiming my PAG IBIG contribution?

PAG IBIG allows you to claim on accomplishing the 180-240 contributions. Then you can withdraw your payments with the claim’s policies and terms.

How to apply for my PAG IBIG contribution claim online?

Your PAG IBIG virtual account access, lets you open your membership profile, open and fill up your provident benefits claiming application, and submit it. You’ve successfully applied for your contribution claim.

How much benefit savings may I claim from PAG IBIG?

The Member’s provident benefit depends on his entire contributions. So, you can calculate your entire claimable amount:

PAG IBIG claim benefits = Member’s entire contribution + Dividend high Earnings + Employer’s Contribution 

Remember, PAG IBIG dividends may alter every year. So your real contribution can be changed and isn’t completed.

Conclusion

Making your claim application for PAG IBIG contributions is a vital step to ensure your benefits. However, you need to know the eligibility and documentary requirements to apply for your claim. Then you can get your benefits by simply claiming your PAG contributions.

REF: https://www.pagibigfund.gov.ph/ProvidentBenefitsClaim.html

Author

  • Marina Aguilar is a freelance writer and editor with a passion for personal finance and real estate. She has been writing about finance and housing for over five years and has worked with various clients, including banks, financial institutions, and real estate developers. Marina believes that everyone deserves access to affordable housing and is committed to helping Filipino workers achieve their dream of homeownership through the Pag-IBIG Fund's housing loan program. In her free time, Marina enjoys hiking, reading, and spending time with her family.

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