What is Pagibig Overseas Program (POP)

People really get confused about this PAG-IBIG membership program; the PAG-IBIG OVERSEAS PROGRAM.

Pag-Ibig Overseas Program is a Provident (Savings) Program of Pag-Ibig Fund for our OFWs. 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 the 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.


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.

Effects of RA 9679 on OFW Pag-IBIG members
How does my POP membership differ from that under RA 9679?

The Pag-IBIG Overseas Program is entirely different from Pag-IBIG I. POP was a voluntary savings scheme for Filipinos abroad while membership under Pag-IBIG I is mandatory for Filipinos working abroad by virtue of RA 9679.

Do I have the option not to register under Pag-IBIG I since I am already a POP member?

Under RA 9679, all Overseas Filipino Workers are required to register under Pag-IBIG I, regardless if they are POP members or not. Other POP members (immigrants and those naturalized in other countries) may register voluntarily under Pag-IBIG I.

I am an OFW and a POP member as well, do I have the option to stop my POP membership and re-register for Pag-IBIG I membership instead?

Yes, you may discontinue your POP membership, provided you do not have an existing housing loan with Pag-IBIG Fund.

Can I continue with my POP membership and be a member under RA 9679 simultaneously?

Yes, a POP member is required to register under Pag-IBIG I but, at the same time, he may also opt to continue his POP membership.

When can I withdraw my POP TAV if I stop my POP contributions and register under RA 9679?

POP TAV may be withdrawn at point of maturity of POP membership.

Will my POP TAV and TAV under RA9679 be merged?

No, your TAV under both programs shall be kept separate. Your POP TAV will be released to you upon maturity of term even if your Pag-IBIG I membership is not yet due for release.

Pagibig OFW Remittance Centers Abroad https://www.pagibigfund.gov.ph/pop/