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How to withdraw contributions from PAG-IBIG fund

PAG-IBIG fund serves as a saving for the future. The organization assures every member that they can withdraw their accumulated contributions including the counterpart contribution of the employer and the dividend earnings.

These are the conditions on how to withdraw his or her contributions:

1. Membership maturity

Every member must pay with a minimum of 240 months for PAG-IBIG Fund. For Overseas Program members, it depends on what option they had choose upon their application if it is five (5), ten (10), fifteen (15), or twenty (20) years of paying the fund.

2. Retirement

All PAG-IBIG members are informed that the required retirement age of a member is 65 years old. However, there are several options for retirement, these includes the following:

If the member has retired from the GSIS, SSS, or from other separate retirement plan. The member should be at least 45 years old to withdraw his or her PAG-IBIG fund.
If the member has reached age of 60.

3. Total or permanent disability or insanity

There are two categories of disability, permanent and total.
Temporary total disability that last continuously over 120 days
Loss of vision for both eyes
Paralysis of two limbs
Brain injury that may result to insanity or incurable imbecility
Other cases such as, diagnosed by a licensed physician to be permanent or total disability

4. Separation from work due to an illness or health issue

5. Leaving the country permanently

6. Death

Furthermore, those PAG-IBIG members who registered with PAG-IBIG Fund from 1995 to 2009, 10 years of maturity period is required to apply for provident benefits claim. For more information please visit the official website of the organization at

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