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Philippine Overseas Employment Administration (POEA)

poea philippine overseas employment administration

The Philippine Overseas Employment Administration or POEA is one of the Philippine agencies that aims to safeguard the rights and welfare of Overseas Filipino Workers. It is responsible for administering decent overseas employment and implementing programs for Filipino workers.

The Philippine Overseas Employment Administration (POEA) was established to promote and monitor Filipino workers’ employment abroad in 1982 under Executive Order No. 797. The POEA gives assurance to all Filipino workers who want to work abroad that all recruitment agencies and overseas employment are legal and safe.

The Philippine Overseas Employment Administration (POEA) has been joined forces and now under the Department of Migrant Workers (DMW) office as of January 2023.

Vision

Excellence in governance for world-class Filipino migrant workers.

Mission

Philippine Overseas Employment Administration connects to the world and in partnership with all stakeholders, facilitates the generation and preservation of decent jobs for Filipino migrant workers, promotes their protection, and advocates their smooth reintegration into Philippine society.

Quality Statement

We pursue excellence in governance to satisfy our customers.

We achieve this by:

Providing effective and efficient services.
Operating within the requirement and standards governing overseas employment.
Empowering our human resources.
Assuring continual improvement using ISO 90001:2015.

POEA logo

Program Thrusts

Industry Regulation

Continuing Agency Education and Agency Performance Evaluation/Ranking and Classification System
- Pre-application orientation seminar
- Labor market fora
- Seminar on best recruitment practices
Implementation of comprehensive case management program
- Conciliation
- Adjudication
- Monitoring of appeals
- Enforcement of decisions

Employment Facilitation

Facilitation of 1 million OFW deployment
- Dispatch of technical marketing missions
- Intensify marketing intelligence work
- Pursue bilateral/multi-lateral agreements
- Encourage visits of foreign gov’t and employers
- Strengthen linkages with education and training sector
- Enhance coordination with host governments
- Enforce policy on skills competencies

Workers Protection

Global OFW mapping and profiling
- Fast-track information on OFWs worldwide, their work sites, skills, and gender.
Intensification of AIR campaign
- PREVENTIVE
  - Pre-employment orientation seminars
  - Illegal recruitment free-LGUs
  - Multi-media information and education program
- REMEDIAL
  - Legal assistance to IR victims
  - Surveillance/Entrapment operations
  - Arrests
  - Prosecution
  - Closure of establishments
- Implementation of incentive program for victims and witnesses of illegal recruitment
  - Payment of docket fees and other court or legal fees
  - Employment without placement fees
- Provision of on-site remedies to OFWs to file complaints against employer or agency
  - OFWs may file complaints for violations of POEA rules against principal, employer, and/or Philippine recruitment agency at the Philippine Overseas Labor Offices (POLOs)

Core Functions

Industry Regulation

Issues license to engage in overseas recruitment and manning to private recruitment agencies and ship manning companies
Hears and arbitrates complaints and cases filed against recruitment and manning agencies, foreign principals and employers, and overseas workers for reported violation of POEA rules and regulations, except for money claims
Implements a system of incentives and penalty for private sector participants
Sets minimum labor standards
Monitors overseas job advertisements on print, broadcast, and television
Supervises the government’s program on anti-illegal recruitment
Imposes disciplinary actions on erring employers and workers and seafarers

Employment Facilitation

Accredits/registers foreign principals and employers hiring Filipino workers
Approves manpower requests of foreign principals and employers
Evaluates and processes employment contracts
Assists departing workers at the ports of exit
Develops and monitors markets and conducts market research
Conducts marketing missions
Enters into memorandum of understanding on the hiring of Filipino workers with labor–receiving countries
Facilitates the deployment of workers hired through government-to-government arrangement
Provides a system of worker’s registry

Worker’s Protection

Intensifies public education and information campaign
Conducts pre-employment orientation and anti-illegal recruitment seminars nationwide
Conducts Pre-Deployment Orientation Seminars (PDOS) to workers hired through the government-to-government arrangement and name hires
Provides technical assistance in the drafting of bilateral and multilateral agreements
Provides legal assistance to victims of illegal recruitment
OFW global mapping and profiling
Implements gender-sensitive programs
Networks with non-government organizations, workers’ organizations, etc.
Provides repatriation assistance
Provides a system of worker’s registry

General Administration and Support Services

Human Resources Development
Property and Supplies Management
Financial Management
Information and Communication Technology
Plans and Policy Development
Quality Management System

Programs and Services

The Philippine Overseas Employment Administration (POEA) created various programs and services to ensure Filipino workers’ safe workplace and protection from illegal recruiters. Here is the list of programs and services they offer.

Assist WELL Program

With the help of the Department of Labor and Employment (DOLE), the Philippine Overseas Employment Administration (POEA) created the Welfare, Employment, Livelihood, and Legal, also known as WELL. This program aims to help Filipino workers to get back on their feet, get a job, attain justice, and livelihood.

Welfare Assistance

The Welfare Assistance consists of the following:

Airport assistance
Emergency medical assistance
Stress debriefing
Temporary shelter/accommodation
Transport assistance to residence

Employment Assistance

Job placement/referral for local employment
Job placement/referral for overseas employment
Competency assessment and certification for repatriated workers who wish to confirm whether they possess the competencies required in a preferred workplace. Skills training will be provided for those who desire to meet the standards.

Livelihood assistance

Assisting with business loans
Livelihood skills training
Mentoring and support for business on a one-on-one basis
Training for aspiring entrepreneurs

Legal Assistance

Advice from a lawyer
Assistance with the preparation and filing of complaints including illegal recruiting, recruitment violations, and disciplinary action.
Conciliation proceedings will provide a forum for returned workers and their recruiters to discuss the potential of a mutually beneficial agreement.
Counseling in criminal cases involving illicit recruitment during the preliminary inquiry and hearings.

Employment Facilitation

Evaluating and processing of employment contracts
Foreign employer accreditation
Pre-employment orientation for OFWs
Worker deployment
Worker’s registry system

General Administration and Support services

Financial management
Human Resources Development
Information and Communication Technology
Plans and Policy Development
Property and Supplies Management
Quality Management System

Industry Regulation

Incentivizing private sector participants
Issuing licenses to overseas recruitment and manning agencies
Penalizing non-complaint parties
Setting minimum labor standards

Worker’s Protection

Deploying only to countries and companies compliant with the Amended Migrant Workers Act.
OFW global mapping and profiling.
Providing legal assistance (such as filing, prosecuting, and penalizing) to any victims of illegal recruitment.
Providing repatriation assistance.

POEA Online Services

The Philippine Overseas Employment Administration (POEA) website is now part of the Department of Migrant Workers (DMW) website. Here’s the list of services you can avail on their Service Portal.

Adjudication Cases Monitor. In this program, Overseas Filipino workers (OFWs) can keep track of their cases and their progress using the case number.
Balik Manggagawa Online Processing. OFWs can process their Overseas Employment Certificate (OEC) using this program.
Online Pre-Employment Orientation Seminar (PEOS). OFW aspirants can now attend this mandatory seminar. This seminar tackles everything an applicant should know before working overseas.
POEA E-Registration (Online Service Portal). To all OFW aspirants, you must register first to Manpower Registry (e-Registration) and upload accurate information, documents, and photos.
POEA Online Appointment. Setting an appointment is now a must and more convenient way of processing any documents in POEA. Make sure to book an appointment before going to POEA to save time.
Registration for Seafarers. All seafarers must register to POEA to be part of the qualified seafarers for overseas maritime work.
SRA/LOA Online Application System. The Special Recruitment Authority (SRA) and Letter of Acknowledgement (LOA) allow the recruitment and other agencies to apply and submit online application requirements.
Verification of Status of Recruitment Agencies. This research tool allows Filipino workers who want to work overseas to get information on the agency’s legitimacy.
Verification of Agency’s Job Orders. This research tool allows Filipino workers to check the information about the job order and its legitimacy.

Video: All About the POEA | Philippine Overseas Employment Administration OFW Services

To know more about the Philippine Overseas Employment Administration (POEA), watch this free webinar by Hoy Tara! To give you more information and guidance.

Frequently Asked Questions

What is POEA?

The Philippine Overseas Employment Administration (POEA) is a Philippine government agency that oversees and regulates recruitment agencies and job orders. The POEA ensures that the job orders and recruitment agencies are legal and safe for all Filipino workers.

What are the benefits of POEA?

The Philippine Overseas Employment Administration (POEA) processes documents for work, provides seminars that will allow the applicant to think carefully before deciding to leave the country, and prevents illegal recruiters to recruit Filipino workers.

What is the difference between POEA and OWWA?

The Philippine Overseas Employment Administration (POEA) processed job orders and applicants’ documents before leaving the country. While the Overseas Workers Welfare Administration (OWWA), is another government agency that helps Overseas Filipino Workers.

How long does the POEA take to process the application?

The Philippine Overseas Employment Administration (POEA) takes seven (7) working days to process the application after completing Phase 1.

Summary

The Philippine Overseas Employment Administration (POEA) is one of the government agencies that has a crucial job. It ensures that Filipino workers won’t fall to illegal recruiters and that overseas employments are legal and safe. It also ensures that all Filipino workers who want to work abroad are ready mentally, physically, and emotionally ready. It also checks the OFW aspirants’ documents before leaving the country.

The Overseas Filipino Workers (OFWs) are our modern heroes because of the sacrifices and time they give just to earn money. It is only fair that the government ensures their safety and protects them from harm.

What is PhilHealth – Philippine Health Insurance Corporation

philhealth meaning philippine health insurance corporation

Healthcare is vital to protect you and your family, ensuring a better quality of life. It helps prevent diseases and provides immediate medical assistance in dangerous situations, such as pregnancy and surgery. While securing health insurance can help in such cases, not everyone can afford it. Fortunately, the Philippine government founded PhilHealth (Philippine Health Insurance Corporation) to help Filipinos suffering from sickness or any condition that requires medical attention.

Whether employed or not, PhilHealth provides help to cover unexpected medical expenses and needs. It’s a public healthcare system owned by the Philippine government, aiming to ease the financial burden by providing health benefits and medical assistance to all Filipinos, regardless of their social or employment status. With PhilHealth, Filipinos of any age can ensure access to health insurance coverage and affordable healthcare. To learn more about PhilHealth, read on as we share what it is, its functions, benefits, and application procedure.

What is PhilHealth

PhilHealth, or the Philippine Health Insurance Corporation, is a social security organization providing all Filipinos with health insurance coverage. It’s owned and operated by the Philippine government and connected to the Department of Health (DOH), funded thru contributions, premiums, and taxes. Through PhilHealth, all Filipinos can ensure access to quality healthcare and receive treatment in hospitals despite not having much money.

Aside from that, PhilHealth provides financial assistance and easy access to affordable healthcare services for every Filipino, whether a child, senior citizen, or adult. The organization launched various services, such as health insurance for indigent Filipinos, a risk equalization fund, and expanded coverage for those with pre-existing conditions. For patients medically treated or confined in private hospitals, the organization will also help cover a percentage of the total medical expenses, including the doctor’s fee.

History

Around the 1960s, the MARIA Project was launched by the Philippine Medical Association, administering medical assistance to needy communities. During the time of former President Ferdinand Marcos, he passed the Philippine Medical Care Act. As years passed, the healthcare program improved. Established thru the National Health Insurance Act of 1995, PhilHealth shoulders the obligations of its predecessor, the Medicare Program.

In 2019, former President Rodrigo Duterte signed the Universal Health Care Act (UHC Act), ensuring all Filipinos and Overseas Filipino Workers (OFWs) have access to quality and affordable healthcare without financial burden. In addition, UHC Act prioritizes Filipinos who can’t afford medical services. As of 2021, PhilHealth has over 50 million members and over 42 million dependents who can access medical assistance.

PhilHealth Benefits & Services

To ensure Filipinos have access to a comprehensive set of healthcare insurance, PhilHealth provides the following benefits and services:

Inpatient Benefits

This benefit is a case rate/fixed amount PhilHealth will pay to an authorized Health Care Institution (HCI), which aims to cover medical expenses, such as diagnostic/therapeutic process, medicines, patient room, and professional fees. It’s accessible to members confined in hospitals and available at PhilHealth-accredited HCI. Before discharge, the case rate amount is deducted from the member’s total bill.

Outpatient Benefits

With Outpatient benefits, members will receive help in treatments and procedures that don’t require hospital confinement. It includes support for radiotherapy, surgeries, hemodialysis, and outpatient blood transfusion. It’s available at accredited primary care facilities, HCIs, and ambulatory surgical clinics (AASC).

Z Benefits

Z Benefits assist members and dependents suffering from extreme conditions that require hospitalization and high-cost treatments, such as but not limited to kidney transplants, certain orthopedic implants, and cancer (breast, cervical, prostate).

SDG-related Benefits

Under the United Nations Sustainable Development Goals (SDG), PhilHealth launched medical packages to help members diagnosed with or receiving treatment for the following:

Animal Bite Treatment Package – P3,000

Outpatient Anti-Tuberculosis Treatment via Directly-Observed Treatment Short-course (DOTS) package – P4,000

Outpatient HIV-AIDS Package – P30,000 per annum (P7,500/quarter)

Outpatient Malaria Package – P600

Voluntary Surgical Contraception Procedures – P4,000

Maternity Benefits

Maternity benefits are also accessible to expectant mothers PhilHealth members, given their contributions are updated. Here are the following benefits PhilHealth offers to pregnant women members:

Antenatal Care Package – refers to prenatal check-ups, including ultrasounds and laboratory tests.

Normal Spontaneous Delivery Package – coverage provided to pregnant women members with normal, low-risk vaginal deliveries, such as postnatal check-ups three (3) to seven (7) days after delivery.

Other Delivery Methods – PhilHealth also provides insurance coverage for breech extraction, Cesarean, vaginal delivery after C-section, and complex vaginal delivery with/without episiotomy or forceps.

Newborn Care Package – provides coverage for newborn screening ang hearing tests, and essential newborn care, such as prompt skin-to-skin contact, weighing or drying the baby.

But note that the Maternity benefits packages only apply for the member’s first four normal deliveries. Therefore, PhilHealth will no longer provide insurance for the following childbirths. These packages are available at PhilHealth-accredited hospitals and non-hospital facilities.

Mental Health Services

As of writing, PhilHealth is currently working with DOH. So they can provide mental health services in their healthcare packages, especially for outpatients. You can visit this link for more details on PhilHealth benefits.

PhilHealth Online Services

With PhilHealth’s website, members can now check their contributions, update their personal data, and see claims and availments anytime and anywhere. Below are the online services PhilHealth members can use 24/7:

Case Rate Research – members can check the details of PhilHealth benefit packages.

Claims Eligibility Checking – a feature designed for providers, allowing them to determine if the member is eligible for certain benefits.

Electronic Collection Reporting System – enables Organized Groups to register and receive billing.

Electronic Group Enrollment System – enables employers to pay their premium contributions online.

Health Care Institutions – a list of HCIs with their accreditation status

Membership Portal – allows members to review their membership details accurately.

How to Become a PhilHealth Member

Types of PhilHealth Membership

Employed Filipino citizens are automatic members of PhilHealth since their employers should process their membership and pay their regular contributions. But anyone can apply for PhilHealth membership, including:

1. Formal Economy Members

Formal economy members refer to all government or private sector employees with offices in the Philippines. Also, seafarers fall under this category, given their agencies are in the country. The monthly contributions for these members start at 3%, and the employer and employee should each pay half of the premium.

2. Informal Economy Members

This membership category pertains to self-employed, unemployed, and informal workers, like construction workers or market vendors. Informal economy members should be naturalized Filipinos and foreigners residing in the country who voluntarily or individually pay their premiums. These members pay their full premium with monthly contributions starting at 3%.

3. Overseas Filipino Workers (OFWs)

As stated earlier, sea-based OFWs fall under the formal economy membership due to their employee-employer relationship. But other OFWs can pay their contributions every 3, 6, or 12 months.

4. Senior Citizens

Senior Citizens refers to Filipinos who are 60 years old and above. They don’t fall into any membership category since they’re considered automatic PhilHealth members according to the Universal Health Care Law of 2019. The national government will cover their annual premiums. You can register via PhilHealth Local Health Insurance Office (LHIO) or Office for the Senior Citizens Affairs (OSCA).

5. Qualified Dependents

This membership category refers to qualified dependents of a principal member, as they should cover their contributions. Qualified dependents can be the principal member’s legal spouse, children, or parents in the contributor’s PhilHealth Member Data Record (MDR).

6. Lifetime Members

Lifetime members pertain to those 60 years old and above who have paid at least 120 monthly premiums with the previous Medicare Program and PhilHealth. Once they turn 60, their PhilHealth membership is free.

7. Sponsored Members

Under this category, an individual is sponsored member if a sponsor, such as a private entity, government/private agency, or local government, pays their contributions. Also, this category includes low-income citizens who aren’t indigents, like unenrolled pregnant women, persons with disabilities (PWDs), nutrition scholars, barangay health workers, and volunteers.

8. Indigent Members

Indigent members refer to individuals without a source of income or inadequate household earnings according to the Department of Social Welfare and Development (DSWD) criteria. If identified as indigents, they’ll become registered PhilHealth members.

How to Apply for PhilHealth Membership

Via PhilHealth Office

For Newly Hired Employees (Formal Economy)

Fill out two (2) copies of the PhilHealth Member Registration Form (PMRF).

Submit the PMRF to your employer or company’s HR department.

Then, wait for your Member Data Record and PhilHealth ID card from your employer.

For Self-Employed and Voluntary (Informal Economy)

Visit the nearest PhilHealth branch or Local Health Insurance Offices (LHIO).

Fill out two (2) copies of the PhilHealth Member Registration Form (PMRF).

Submit the PMRF to PhilHealth or LHIO.

Wait for the release of your Member Data Record and PhilHealth ID card.

Then, use your PhilHealth ID number to pay the premium contribution.

Via Online Registration

Aside from that, PhilHealth has an Electronic Registration System where you can register for membership online at https://eregister.philhealth.gov.ph/. But it’s still under maintenance, so you can only register for membership on-site at the nearest PhilHealth office.

Summary

Considering not all have savings or health insurance, the coverage PhilHealth provides will surely benefit a lot of Filipinos. Although many don’t give importance to health insurance, it’s essential and should be a priority. As the Philippine government provides affordable health insurance coverage, all Filipinos are encouraged to apply for PhilHealth membership to protect themself, their family, and their future. That’s why if you don’t have insurance yet, whether a student, unemployed, or self-employed, head to the nearest PhilHealth office to apply for membership.

References

https://www.officialgazette.gov.ph/section/briefing-room/philippine-health-insurance-corporation/

https://kwik.insure/kwik-hub/health-insurance/philhealth-101-everything-you-need-to-know

What is the Meaning of PhilHealth – Philippine Health Insurance Corporation

PhilHealth – Philippine Health Insurance Corporation – Purpose, Functions, and Responsibilities

https://www.philhealth.gov.ph/members/formal/registration.html

https://www.philhealth.gov.ph/members/informal/registration.html

What is Pag-IBIG – Home Development Mutual Fund

Commonly known as Pag-IBIG, the Home Development Mutual Fund is a corporation owned and run by the Philippine government, providing Filipino workers with savings, housing loans, and other services. With Pag-IBIG, many Filipinos turn their dreams of owning a home into reality since it doesn’t require a down payment and offers longer payment durations of up to 30 years. If you want to learn more about their programs and services, read on as we share everything about Pag-IBIG or Home Development Mutual Fund.

Founded in 1978, Pag-IBIG Fund aims to help Filipinos achieve their dream homes. It also provides various benefits, like maternity leave assistance and disability and death insurance. Furthermore, Pag-IBIG started providing SME financing and loans to small businesses. As the biggest housing loan provider in the country, Pag-IBIG Fund offers longer payment terms and the lowest interest rates than most banks to help its members with home ownership.

What is Pag-IBIG?

Pag-IBIG is a government-owned and operated agency managing the national savings program and affordable housing loans for Filipinos. Also known as the Home Development Mutual Fund, Pag-IBIG Fund stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno. Apart from house financing, Pag-IBIG provides various programs and services, including provident savings, calamity loans, and multi-purpose loans.

Purpose

In 1979, the National Home Mortgage Finance Company (NHMFC) managed Pag-IBIG to encourage Filipinos to save. Established under Presidential Decree No 1530, Pag-IBIG was wherein former President Ferdinand Marcos believed the country and its people’s two essential needs are a national savings program and housing loans Filipinos can afford. As per the law, the Social Security System (SSS) will handle the funds of private employees, and the Government Service Insurance System (GSIS) will manage the savings of government workers.

List of Pag-IBIG Programs

Housing Loans

The most popular program from Pag-IBIG is housing loans, providing affordable house financing to its members. It offers low-interest rates, as low as 4.5% (for a P450,000-loan), and payment systems of up to 30 years. Also, eligible members can borrow up to P6,000,000.

Overseas Pag-IBIG Members Services Desk

To provide Overseas Filipino Workers (OFWs) with beneficial programs, Pag-IBIG Fund has set up overseas services desks worldwide in Philippine Embassies and Consulates and Migrant Workers Office (MWO). Currently, Pag-IBIG has 23 overseas posts in operation, providing OFWs with membership registration and simplifying remittances of savings.

Pag-IBIG Death Benefits

Under this benefit, legal beneficiaries or heirs of deceased Pag-IBIG members can get death benefits if the member didn’t claim their savings when they were still alive. However, Pag-IBIG doesn’t provide burial or funeral benefits.

Pag-IBIG Fund Loyalty Card

It’s a Pag-IBIG Transaction Card, a primary requirement and valid ID when applying for Provident Benefits Claim, Housing Loan (HL), or Multi-Purpose Loan (MPL). It contains the member’s information, including a photo, signature, Pag-IBIG Fund Membership ID (MID), and biometrics, facilitating secure transactions. Moreover, this card offers discounts on medicine, travel, university fees, cosmetics, wellness services, and reward perks on gasoline and groceries thru the agency’s partner institutions.

Pag-IBIG MPII

Launched in 2010, Pag-IBIG MPII or MP2 is an alternative savings program from the government, offering a tax-free annual dividend based on the fund’s yearly performance. It has a minimum capital of P500 for a five (5) year term and doesn’t have a maximum capital ceiling.

Pag-IBIG Mortgage Redemption Insurance

The Pag-IBIG Mortgage Redemption Insurance is essential for members who applied for Pag-IBIG housing loans (MRI). In case of the member suffers from critical illness or death, they can protect their mortgage with this insurance, given they paid the MRI premiums.

Provident Savings

The Pag-IBIG Fund membership contributions function as personal savings and are withdrawable once it matures. The payments made by the members and their employers will earn dividends once it reaches maturity, which is 240 months of the total contribution for at least 45 years old. Thus, the members can withdraw the Total Accumulated Value (contributions and dividends).

Short Term Loan

Like GSIS and SSS, Pag-IBIG Fund provides monetary assistance to eligible members by granting them Short Term Loans. Under this program, eligible Pag-IBIG members can apply for these two loans:

Calamity Loan

The Calamity Loan is for members affected by natural disasters, like floods, typhoons, tropical cyclones, fires, volcanic eruptions, and other similar incidents. Eligible members can borrow up to 80% of their Total Accumulated Value (TAV), subject to the rules and limitations of the program. It offers a 24-month amortization duration with a 3-month grace period.

Multi-Purpose Loan (MPL)

The Multi-Purpose Loan (MPL) is a flexible program that can help Pag-IBIG members with health, livelihood, educational fees, house repairs, home improvement/enhancements, and other needs. To qualify for MPL, the member should have at least 24-month investment or equivalent savings and at least one (1) contribution in the past six (6) months before loan application.

List of Pag-IBIG Online Services

Housing Online Services

Application for Housing Loan Interest Re-pricing – this service is for members with existing Housing Loans where they can complete and submit their application for Re-Pricing.

Developer’s Online Housing Loan Application – designed for accredited developers, this service is utilized to complete and submit Housing Loan applications of prospective buyers.

Housing Loan Online Application – this service is where members with Pag-IBIG Membership ID (MID) or Registration Tracking Number (RTN) can complete and submit their Housing Loan application online.

Housing Loan Payment Viewer – allows members with existing Housing Loan to asses their payments and check their balance. Also, borrowers can request Billing Statements thru email by signing up for Paperless Housing Loan Billing Services.

Membership Online Services

Employer Registration – enables employers to register and secure Pag-IBIG employer ID and update their details regularly.

Kasambahay Membership Registration – makes it easier for household employers to register their Kasambahay with Pag-IBIG, SSS, or PhilHealth.

Membership Registration – this service is where you can register with the Pag-IBIG Fund online and change your registration details.

OFW Member’s Contribution Verification – this service allows members to check their Fund savings status.

Other Online Services

Electronic Submission Remittance Schedule (eSRS) – makes it convenient for employers to submit their monthly remittance file to Pag-IBIG.

MP2 Savings Enrolment – designed for members who want to enroll in Pag-IBIG’s MP2 program.

Online Payment Facilities – enables members to pay their monthly savings thru Visa or MasterCard credit cards.

How to Become a Pag-IBIG Member

Qualifications

To become a Pag-IBIG member, you should meet any of the qualifications below:

Mandatory Membership

Employees of private companies who are not over 60 years old

Government employees

Overseas Filipino Workers (OFWs) – both land and sea-based workers

Self-employed professionals – such as entrepreneurs, freelancers, and other self-employed individuals not over 60 years old and with at least P1,000 monthly income

Kasambahays/Household workers – such as maids, cooks, gardeners, and drivers with at least P1,000 monthly income

Voluntary Membership

The membership Pag-IBIG offers is also open to Filipinos and foreign residents between 18 to 65 years old if they meet any of the qualifications below as voluntary members:

Non-working spouse – housewife/househusband who is married to Pag-IBIG members and managing the household full-time

Former Pag-IBIG members – no longer employed but receiving an allowance or earning passive income (like pensioners, investors, etc.)

Barangay officials and employees – not covered by GSIS, including barangay chairpersons, kagawads, and members of Sangguniang Kabataan

Expatriates – foreign nationals who are not over 60 years old, living and working in the Philippines

Students – at least 18 years old and has a part-time job

Unemployed Filipinos – fresh graduates from college and other Filipinos looking for jobs

Overseas Filipino immigrants

Filipino employees working at international organizations or foreign governments

Employees whose employer has a waiver suspending Pag-IBIG coverage

Leaders and members of religious groups

Members of cooperative and trade union

Also, note that the age limit for Pag-IBIG mandatory membership is 60, and 18 to 65 years old for voluntary members.

How to Register with Pag-IBIG Online

You can register online if you’re a new member and don’t have a Pag-IBIG Membership ID (MID) number. But if you previously registered online, you can’t register for Pag-IBIG membership again. You don’t have to worry about the registration process since your employer will handle it if employed by companies in the Philippines.

Meanwhile, if hired recently, you should provide your personal information to your company’s HR. So they can submit it to Pag-IBIG Fund and other relevant government agencies. To register with Pag-IBIG online, follow the steps below:

Visit the Pag-IBIG Fund Online Membership Registration thru this link: https://www.pagibigfundservices.com/PubReg/NewReg_Page.aspx?88D64A1E7CDAFB6882DDFEB76443D811.

Enter your complete name and date of birth.

Type the Captcha code and click the Submit button.

Next, fill out the required fields on the Pag-IBIG Membership Registration Form, including:

Member Info

Other Info

Address

Contacts

Heirs

Member Category

Employment History

Summary

Review the details you’ve provided before clicking the Submit Registration button.

Next, print the Member’s Data Form (MDF) by clicking the Print MDF button. It will be your proof of registration with Pag-IBIG, containing your tracking number (RTN).

Wait two (2) working days to verify your Pag-IBIG number via SMS.

To request a permanent Pag-IBIG MID number, type IDSTAT RTN BIRTHDAY (MM/DD/YYYY) (Ex. IDSTAT 812345678912 5/12/1993).

Afterward, send the text message to 0917-888-4363 (for Globe and TM) and 0918-898-4363 (for Smart, TNT, and Sun).

Also, you can ask for your Pag-IBIG number by calling the Pag-IBIG hotline at 724-4244. Just provide your full name, date of birth, and registration tracking number (RTN).

Summary

Owning a home is a dream that not many cannot realize in this lifetime. But with Pag-IBIG Fund, Filipino low-income earners can receive affordable housing loans and national savings programs to help secure their future and family. It provides beneficial programs to its members, from calamity loans, maternity leave grants, retirement, disability, and death benefits. Therefore, every Filipino, whether employed or self-employed, is encouraged to join Pag-IBIG membership.