Under the HDMF law, members are still entitled to Pag-IBIG benefits (including short-term loans) even if their employers fail or refuse to remit their contributions. When applying for a Pag-IBIG loan, you may try submitting your payslips, ITR, and other documents that prove your salary deductions for Pag-IBIG contribution. However, unremitted contributions affect the amount you’ll receive from the Pag-IBIG Fund when claiming your total contributions. The TAV paid to you will be based on employee and employer contribution payments. You’d get only a partial release of your TAV (based on the actual amount credited to your account) if your employer didn’t remit your contributions.   If your employer eventually pays the unremitted contributions, the HDMF will pay you the amount collected from the delinquent employer. If your employer fails to remit your Pag-IBIG contributions, raise your concern to the HR department. If nothing happens, file a complaint with the HDMF against the erring employer. Under the Pag-IBIG Fund law, delinquent employers may be charged a fine of not less than but not more than twice the unremitted amount, jailed for six years or less, or both.