If you were affected by a recent typhoon, earthquake, or other natural disaster, SSS offers a Calamity Assistance Program para matulungan kang makabangon financially.

In this guide, I’ll walk you through how to file a calamity loan on SSS, who can apply, ano ang requirements, and some pro tips para hindi ma-deny ang application mo.

What is the SSS Calamity Loan?

The SSS Calamity Assistance Program (CAP) is a loan program given to members who reside in areas declared under a State of Calamity.

Key Features:

• Loan amount: up to 20,000 pesos or your average monthly salary credit (MSC)
• Interest rate: 10 percent per annum (diminishing)
• Repayment term: 24 months
• Grace period: 3 months

Who is Eligible to Apply?

You must be:

• A registered SSS member
• Currently residing in a declared calamity area
• With at least 36 monthly contributions, 6 of which are within the last 12 months
• Without any outstanding loan under SSS Loan Restructuring Program
• Not yet a final benefit recipient (e.g., retirement, disability)

SSS Calamity Loan Requirements (2025)

Here’s what you’ll need:

1. SSS Calamity Loan Application Form
   • Download: Calamity Loan Assistance Application Form
2. 1 Valid ID (Government-issued)
3. Proof of Residence (barangay certificate, billing statement, or any valid proof)
4. UMID or SSS-issued ID (for validation)
5. Bank account enrolled in the Disbursement Module

Note: If applying online, make sure your address in My.SSS is updated and within the calamity-affected area.

How to Apply Online via My.SSS (2025)

SSS now allows online filing through their portal, saving you time and effort.

Step-by-Step:

1. Go to https://www.sss.gov.ph
2. Log in to your My.SSS account
3. Under “E-Services,” click “Apply for Calamity Loan”
4. Fill in the necessary info and upload the required documents
5. Choose your preferred disbursement account (e.g., bank, e-wallet)
6. Submit the application and wait for SMS or email confirmation

Processing time is around 3 to 5 working days.

How Much Can You Borrow?

The amount is based on your one-month average salary credit (MSC).

Example:
If your average MSC is 15,000 pesos, that’s how much you’ll be granted.

The maximum loanable amount is usually 20,000 pesos depending on the calamity budget allocation.

Repayment Terms

• Loan term: 24 months
• Grace period: First 3 months – no payments yet
• Monthly amortization starts on the 4th month via:
  • Payroll deduction (if employed)
  • Over-the-counter
  • Online payment (GCash, Maya, or partner banks)

Late payment incurs a 1 percent penalty per month.

Is It Worth Applying For?

Yes, if you need emergency funds and you qualify
Yes, if you want fast processing without collateral
Yes, if you’re financially recovering from a disaster

Use it for:

• Repairing your home
• Replacing damaged essentials
• Temporary daily needs

Reminders Before You Apply

• Make sure your My.SSS account is active
• Update your contact and address info
• Enroll in the Disbursement Module BEFORE applying
• The loan is deducted from your final benefit if unpaid upon retirement or death