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Payment is required for mandatory Pag-IBIG members such as employees, self-employed members, OFWs, and kasambahays. The Pag-IBIG Fund law makes coverage compulsory for these groups, and so their contributions must be remitted.
Meanwhile, it’s optional for voluntary members. Although skipping payments doesn’t lead to a penalty, it’s better to continue remitting your contributions (whether as a mandatory or voluntary member) to qualify for a Pag-IBIG benefit and save more for retirement.
Go back to the main article: How to Compute Your Pag-IBIG Contribution: A Complete Guide to Contribution Table and Payment