Ang PAG-IBIG FUND ay nagbigay ng garantiya na ibabalik sa miyembro nito ang kabuuang savings o Total Accumulated Savings (TAV) na binubuo ng kabuuang contribution ng member at ang counterpart contribution ng employer at kung mayroong kita ng dividend sa account ng member, kapag nangyari ang sumusunod na grounds para ma withdraw:
1. Membership Maturity- Ang miyembro ay dapat naka remit ng hindi bababa sa 240 na buwanang membership contribution sa PAG-IBIG Fund (For Pag-IBIG Overseas Program (POP) members, membership with the Fund shall be at the end of five (5), ten (10), fifteen (15), or twenty (20) years depending on the option of the member upon membership registration.
2. Retirement- Ang miyembro ay sapilitang mag reretiro kapag umbot sa edad na 65. (He may however, opt to retire upon the occurrence of any of the following:
a) Actual retirement from the SSS, the GSIS or a separate employer provident/retirement plan, provided the member has at least reached age 45.
b) Upon reaching age 60.)
3. Permanent and total disability or Insanity.Ang sumusunod na mga kapansanan ay maituturing na total at permanent:
a. Temporary total disabilities na tatagal ng sobra sa 120 na araw.
b. Complete loss of sight ng dalawang mata.
c. Loss of two limbs at or over the ankle or wrist
d. Permanent complete paralysis of two limbs.
e) Brain injury resulting in incurable imbecility or insanity; and
f) Such other cases which are adjudged to be total and permanent disability by a duly licensed physician and approved by the Board of Trustees.
4. Separation from the service due to health reason
5. Permanent departure from the country
6. Death. In case of death, the Fund benefits shall be divided among the member’s legal heirs in accordance with the New Civil Code as amended by the New Family Code.
“Kumikita po ng dividends taon taon ang inyong naimpok. Para sa taong 2015 ang dividend rate po ay 4.8%. Once naging qualified po ang isang member for provident benefits claim, maaari po niyang makuha ang lahat ng kanyang contributions, employer’s counterpart contributions at dividends nito.”
Ito po ay ang aming provident benefits claim under 10 years maturity period. Kung nakompleto po ninyo ang 120 monthly contributions na walang gaps o palya at ika-10th year na po ng inyong membership at walang existing loan, maaari po kayong mag-avail ng provident benefits claim – 10 year maturity period. Ito po ay applicable sa mga nagsimula maging member ng taon 1995 – 2009. For more information, please visit our site at www.pagibigfund.gov.ph.
Procedure on how to claim refund:
- Visit the nearest Pag-IBIG Fund office in your area.
Present your ID to a Pag-IBIG staff and inquire about fund withdrawal.
Your Pag-IBIG account will be verified for any applied or outstanding housing loan or short-term loan.
You will be advised to secure your application for Provident Benefits Claim after verification.
Submit your application form and get your claim stub with the date when refund check is ready for pick-up.
You may request for your TAV print out by visiting the nearest Pag-IBIG office or by sending them an email at [email protected]