SSS opens calamity loans for Tino-hit members in Cebu

The Social Security System (SSS) announced Thursday that members in Cebu affected by Typhoon Tino may avail themselves of the Calamity Loan Program (CLP) starting 06 November until 05 December 2025, providing immediate financial relief as recovery efforts continue across the province.

SSS President and Chief Executive Officer Robert Joseph Montes de Claro said the CLP gives qualified members in Cebu access to emergency funds for essential needs, in coordination with recovery efforts led by national and local governments.

“We understand how life-changing the devastation brought by Typhoon Tino is to workers and their families in Cebu. Our priority is to provide immediate, accessible support to help them get back on their feet,” De Claro said.

The National Disaster Risk Reduction and Management Council (NDRRMC) placed all 53 cities and municipalities in Cebu under a state of calamity after Tropical Cyclone Tino struck the province on 04 November 2025. NDRRMC estimates show more than 200,000 families and 700,000 individuals were affected, with more than 200,000 preemptively evacuated and over 400,000 displaced.

CLP terms and eligibility

Under the CLP, qualified members may borrow up to P20,000 at a seven percent interest rate with a repayment period of 24 months. Applications can be submitted online through the My.SSS facility. Once approved, loan proceeds will be credited directly to the member’s enrolled disbursement account.

• Major qualification requirements include:

• Residing or working in an area declared under a state of calamity

• At least 36 monthly contributions, with six posted within the 12 months preceding the month of filing

• For individually paying members, at least six contributions under their current membership type

• An active online account with SSS (My.SSS)

• No past due or restructured loan accounts

• Not having been granted any final benefit

• Legal age but under 65 years old at the time of loan application

• Not disqualified due to fraud committed against SSS

SSS also activated a separate CLP for members affected by Tropical Storm Ramil in Roxas City and the municipality of Sigma in Capiz. Qualified members who live or work in these areas may apply for calamity loans from 05 November to 04 December 2025.

De Claro emphasized that calamity loans serve as a bridge for affected members to recover and rebuild.