He/she is under age 65 but in the following situations:
1.  There is a need to bear huge medical expenses due to serious injury or illness of his/her own;
2.  He/she has attained age 60 and is not engaged in any paid activities;
3.  He/she has humanitarian or other properly explained reasons;
4.  There is a need to bear huge medical expenses due to serious injury or illness of his/her spouse, any degree of lineal consanguinity or affinity;
5.  He/she has been receiving disability pension from the Social Security Fund for more than one year;
6.  He/she is currently receiving special disability subsidy from the Social Welfare Bureau. 

For account owners who have reached 60 years of age and not engaged in any paid activities

For bearing huge medical expenses

Applies to death of account owner

Assist the incapacitated account owner to withdraw funds