CAP Payout Update: 2nd Tranche Released in 2024 – What’s Next for Planholders in 2025?

Key Developments

1st Tranche: Ang unang tranche ng payments ay inilabas mula July 20, 2022 hanggang January 20, 2023. Sa panahong ito, nagsimula nang tumanggap ng partial payments ang mga planholders, na ayon sa plano ay 50 centavos para bawat piso ng kanilang ininvest

2024 Payout Confirmed: Ayon sa mga opisyal na ulat at planholder testimonies, ang 2nd tranche ng partial refund ay naipamahagi na ng CAPPI noong 2024, bagama’t limitado ang detalye sa eksaktong halaga at bilang ng nakatanggap.

2025 Payout Outlook: Inaasahan ang 3rd tranche sa 2025 bilang bahagi ng 10-year rehabilitation plan, ngunit ang aktwal na petsa at halaga ay nakasalalay sa pagbebenta ng mga ari-arian ng CAPPI at approval ng RTC Makati.

Ano ang Dapat Gawin ng Planholders?

Maghintay sa Opisyal na Anunsyo: Bisitahin ang CAPPI website o makipag-ugnayan sa RTC Makati Branch 148 para sa verified na schedule.
I-verify ang Status: Tiyaking updated ang contact details sa CAPPI para matanggap ang payout notice.
Iwasan ang Fake News: Ang mga social media rumors (hal., “100% refund sa 2025”) ay hindi kumpirmado ng Korte Suprema o CAPPI.

Mga Katanungang Madalas Itanong

“Bakit 50% lang ang garantisadong refund?”

Ang minimum 50% ng gross contract price ay batay sa desisyon ng Korte Suprema para matiyak ang pantay-pantay na pagbabahagi sa lahat ng planholders. Ang anumang sobra rito ay depende sa kita ng CAPPI mula sa asset liquidation.

“Kailan ang susunod na payout?”

Walang eksaktong petsa, ngunit ang 3rd tranche ay posibleng ilabas sa 2025–2026 ayon sa 10-year payment schedule.

“Paano kung hindi ako nakatanggap ng 2nd tranche?”

Makipag-ugnayan agad sa CAPPI via email ([email protected]) o tumawag sa kanilang hotline para i-report ang issue.

Legal Reminder

Ang Revised Rehabilitation Plan ng CAPPI ay under pa rin sa supervision ng RTC Makati. Anumang paglabag sa plano (hal., paggamit ng trust fund para sa ibang utang) ay maaaring ireklamo sa korte.

Takeaway

Habang patuloy ang paglabas ng mga tranche, ang pagiging alerto at updated ang pinakamabisang paraan para makuha ang nararapat na refund. Bisitahin ang CAPPI website lingguhan para sa mga bagong anunsyo.

Supreme Court Decision on the CAP Education Plan Case: Short Synopsis

The Supreme Court issued several key rulings regarding the College Assurance Plan Philippines, Inc. (CAPPI) and its pre-need education plans, focusing on the Revised Rehabilitation Plan and the protection of planholders’ interests.

Main Points of the Decision:

Lifting of TRO and Remand to RTC: The Supreme Court lifted the Temporary Restraining Order (TRO) on CAPPI’s Revised Rehabilitation Plan and remanded the case to the Regional Trial Court (RTC) Makati Branch 148 for supervision over its implementation. This allowed CAPPI to proceed with the payment schedule for its planholders, including the release of the first tranche of payments from July 20, 2022, to January 20, 2023.
Rehabilitation Plan Features: The Revised Rehabilitation Plan requires CAPPI to pay at least 50% of the gross contract prices of the plans within ten years, with the possibility of higher payments as more funds are generated. CAPPI is permitted to generate income through joint ventures, asset sales, and investments to fund these obligations.
Exclusion of CAP Pension Assets: The Supreme Court affirmed that CAP Pension, a subsidiary of CAPPI, has a separate legal personality. The Court enjoined CAPPI from including CAP Pension’s assets in its rehabilitation proceedings, clarifying that only CAPPI’s equities or stockholdings in CAP Pension could be disposed of-not CAP Pension itself. This was to protect the interests of CAP Pension’s planholders and ensure their assets were not used to pay CAPPI’s obligations.
Jurisdictional Clarification: The Court distinguished between CAPPI’s rehabilitation (handled by the RTC) and CAP Pension’s conservatorship (under the Insurance Commission), ruling that these are separate proceedings and must be treated independently.
Trust Fund Protection: In a related decision, the Supreme Court emphasized that CAPPI’s trust fund is exclusively for the benefit of planholders and cannot be used to satisfy creditor claims, reinforcing the protection of planholder interests.

Summary Table

Issue	Supreme Court Ruling
Implementation of Rehabilitation Plan	Allowed; RTC to supervise payments to planholders
Use of CAP Pension assets	Prohibited; CAP Pension is a separate legal entity
Jurisdiction over CAP Pension	Remains with Insurance Commission, not RTC
Use of CAPPI trust fund	Exclusively for planholders, not for other creditors

Conclusion:
The Supreme Court’s decisions collectively aimed to protect the interests of both CAPPI and CAP Pension planholders, ensuring that rehabilitation efforts proceed under court supervision while keeping distinct corporate assets and legal proceedings separate. The implementation of the Revised Rehabilitation Plan is ongoing, with payments to planholders being prioritized and closely monitored by the RTC1 3 4 5.