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Pag-IBIG Fund guarantees the refund of member's total accumulated savings (TAV), which consists of the member's accumulated contributions, the employer counterpart contributions, if any, and the dividend earnings credited to the member's account upon occurrence of any of the following grounds for withdrawal:
  1. Membership maturity. The member must have remitted at least 240 monthly membership contributions with the 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. The member shall be compulsorily retired upon reaching age 65. He may however, opt to retire upon the occurrence of any of the following:
    • Actual retirement from the SSS, the GSIS or a separate employer provident/retirement plan, provided the member has at least reached age 45.
    • Upon reaching age 60.
  3. Permanent and Total Disability or Insanity. The following disabilities shall be deemed total and permanent:
    • Temporary total disability lasting continuously 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.
  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. Basic Requirements for Provident Benefits Claim
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