MEMBERSHIP COVERAGE

Republic Act 9679 Sec. 2. Declaration of Policy – It is the policy of the State to establish, develop, promote and integrate a nationwide sound and viable tax exempt mutual provident savings system suitable to the needs of the employed and other earning groups, and to motivate them to better plan and provide for their housing needs by membership in the Home Development Mutual Fund, with mandatory contributory support of the employers in the spirit of social justice and the pursuit of national development.

MANDATORY MEMBERSHIP

• Employers and employees who should be covered by the SSS and the GSIS;
• Uniformed members of the Armed Forces of the Philippines, the Bureau of Fire Protection, Bureau of Jail Management and Penology, and the Philippine National Police;
• Filipinos employed by foreign-based employers, whether they are deployed here or abroad or a combination thereof.

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Membership to the Fund is also open to individuals 18 to 65 years old, provided they comply with the set rules and regulations for Pag-IBIG members including the amount of contribution and schedule of payment.

This may include the following:

• Non-working spouses who devote full time to managing the household and family affairs, unless they also engage in another vocation or employment which is subject to mandatory coverage.
• Filipino employees of foreign government or international organization, or their wholly-owned instrumentality based in the Philippines, in the absence of an administrative agreement with the Fund;
• Employees of an employer who is granted a waiver or suspension of coverage by the Fund under RA 9679;
• Leaders and members of religious groups;
• A member separated from employment, local or abroad, or ceased to be self-employed but would like to continue paying his personal contribution. Such member may be a pensioner, investor, or any other individual with passive income or allowances;
• Public officials or employees who are not covered by the GSIS such as Barangay Officials, including Barangay Chairmen, Barangay Council Members, Chairmen of the Sangguniang Kabataan, and Barangay Secretaries and Treasurers;
• Such other earning individuals or groups as may be determined by the Board by rules and regulations.

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