The Social Security System (SSS) has officially opened its Calamity Loan Assistance Program (CLAP) for members affected by Typhoon Tino, following the declaration of a state of calamity in Cebu Province. If you’re an SSS member living or working in the affected areas, here’s what you need to know about the application period, eligibility, and requirements.
Coverage Areas in Cebu
As of the latest announcement, the entire Cebu Province has been placed under a state of calamity by executive order.
Some of the localities that have reported significant impact include:
- Cebu City
- Mandaue City
- Talisay City
- Compostela
- Danao
Note: This list is not exhaustive. The full list of affected cities and municipalities may grow as more LGUs submit assessments and the disaster response evolves. Applicants are strongly encouraged to verify their specific locality’s declaration status with their LGU or the Social Security System (SSS) before applying.
When Can You Apply for the SSS Calamity Loan?
The SSS Calamity Loan Application Period typically opens immediately after the declaration of a state of calamity and remains available for up to 3 months.
While the official start date for Cebu’s CLAP has yet to be confirmed, it’s expected to open within the week of the declaration. Stay tuned to SSS announcements on their official Facebook page or website for the exact schedule.
Who Can Apply
To qualify for the SSS Calamity Loan, you must:
- Be a resident or worker in a declared calamity area.
- Have at least 36 monthly contributions, with six (6) posted within the last 12 months prior to the application.
- Have no outstanding SSS short-term loan (Salary, Calamity, etc.) or have been up to date in your payments.
- Have a My.SSS account (applications are now online only).
Loan Amount
Eligible members can borrow up to one (1) month of their average salary credit (MSC), depending on their posted contributions. The loan comes with a 10% annual interest rate and a 24-month repayment period (2 years) with a 3-month moratorium.
How to Apply
Members can apply online through their My.SSS account or the SSS Mobile App by following these steps:
- Log in to your My.SSS account.
- Go to Loans and select Calamity Loan Program (CLP).
- Choose the affected area (Cebu) and complete the required details.
- Upload supporting documents such as proof of residence if needed.
- Submit the application online. Approved loan proceeds will be credited directly to the member’s UMID-ATM or enrolled bank account.
For a more detailed walkthrough, you can visit our full guide here:
How to File an SSS Calamity Loan
Other SSS Assistance Programs
Aside from the calamity loan, members in affected areas may also avail of:
- Advance three-month pension (for retirees and disability pensioners)
- Direct Housing Loan Assistance for Calamity Victims
Blogger’s Corner
If you’re an SSS member based in Cebu, it’s best to apply early once the portal opens — historically, online queues can get long when major disasters hit. Make sure your My.SSS account and DAEM details are already set up to avoid delays.
Stay safe, mga ka-poorpinoy! If your area was hit by Typhoon Tino, take advantage of this financial aid to help you recover faster.