SSS Calamity Loan: Apply For SSS Calamity Loan 2025-2026
SSS Calamity Loan: The “Social Security System (SSS)” Calamity Loan Assistance Program (CLAP) is designed to support members who have been severely affected by natural disasters, such as typhoons and earthquakes. The program provides financial assistance, helping individuals recover and rebuild after calamities impact their physical, emotional, and economic well-being.
For 2025, SSS has renewed its commitment to aid its members, especially after the devastation of Typhoon Carina. Eligible members may apply for a loan to assist them in covering essential recovery expenses, with funds available up to a maximum of PHP 20,000.
Key Features of the SSS Calamity Loan
- Loan Amount: Eligible members may borrow up to PHP 20,000 or the equivalent of their one-month salary credit, whichever is lower.
- Interest Rate: The loan carries an annual interest rate of 10%, with a repayment period of 24 months or two years.
- Disbursement Options: Loan proceeds are directly credited to the member’s UMID-ATM or any PESONet-accredited bank account.
Apply for the SSS Calamity Loan Step-by-Step Guide
The SSS provides two ways to apply for the calamity loan: online via My.SSS and in person at any SSS branch.
Online Application Through My.SSS Portal
- Log In: Access the SSS Members page, enter your credentials, and log in to My.SSS.
- Disbursement Account Enrollment: Under the Disbursement Account Enrollment Module in the Services section, register a PESONet-accredited bank account.
- Apply for Calamity Loan: Once your bank account registration is approved, navigate to E-Services, select Loans, and choose Apply for Calamity Loan.
- Complete the Application: Fill out the loan application form, submit any required supporting documents, and review your application.
- Submit and Wait for Approval: Once the application is submitted, track its status in the My.SSS inbox.
Offline Application at an SSS Office
- Visit an SSS Branch: For members who prefer to apply in person, you can visit any SSS branch office.
- Submit Documents: Hand in your completed calamity loan assistance application form, barangay certificate, and a valid ID.
Note: For applications submitted by authorized representatives, an authorization letter is required.
Receiving the Loan Proceeds
Once approved, loan proceeds will be credited to the applicant’s preferred disbursement channel:
- UMID-ATM: If activated, the loan will be credited to your UMID-ATM account.
- PESONet-accredited Bank: Alternatively, members can receive funds through their registered PESONet-accredited bank account.
Eligibility Criteria for the SSS Calamity Loan in 2025
To qualify for the SSS Calamity Loan this year, members must meet the following requirements:
| Keyword | Description |
| SSS Calamity Loan | A financial assistance program offered by SSS for members in calamity-stricken areas. |
| Typhoon Carina | A recent typhoon affected areas where SSS members may apply for calamity assistance. |
| CLAP | Calamity Loan Assistance Program, offering financial aid to SSS members after natural disasters. |
| UMID-ATM | Unified Multi-Purpose Identification-ATM card, where loan proceeds may be credited. |
| PESONet-accredited bank | Banks registered under the Philippine Electronic Fund Transfer System and Operations Network (PESONet) for fund transfers. |
- Monthly Contributions: Members should have made at least 36 monthly contributions, with at least six contributions posted in the 12 months before applying for the loan.
- Age Limit: Applicants must be below 65 years old at the time of the loan application.
- Residence in a Calamity Area: Only those residing in calamity-declared areas (as designated by the National Disaster Risk Reduction and Management Council – NDRRMC) are eligible.
- No Outstanding Loans: Applicants must not have overdue balances on SSS short-term loans, nor should they have existing loans under the Loan Restructuring Program (LRP) or previous calamity loans.
- No Final Benefit Claims: Members who have filed for final benefits such as retirement or permanent disability claims are not eligible for the calamity loan.
Special Note for Overseas Filipino Workers (OFWs) and Self-Employed Members
To qualify, self-employed members, voluntary contributors, and land-based OFWs must have six posted monthly contributions within the current coverage or membership type.
Required Documents for SSS Calamity Loan Application
For Regular Applications
- Calamity Loan Assistance Application Form: Filled and signed by the applicant.
- Barangay Certification: A document proving the applicant’s residency in the affected calamity area.
- Valid ID: Present an original, government-issued ID.
For Applications Filed by an Authorized Representative (OFWs or Seafarers)
- Authorization Letter: Authorizing a representative to apply on behalf of the SSS member.
- Barangay Certificate: Original, certifying the applicant’s residency in a calamity-declared area.
- Photocopies of Valid IDs: Both the applicant’s and the authorized representative’s identification documents.
Repayment Terms and Important Reminders
Repayment Period
- The loan has a 24-month repayment period, with 10% interest per annum.
- Employed members will repay through salary deductions, while self-employed and voluntary members can pay at SSS offices, SSS-accredited banks, or authorized payment centers.
Penalties for Missed Payments
If payments are missed for more than six months, the loan will enter a default status, incurring an additional 1% monthly penalty on unpaid amounts.
Overpayments
Any overpayments made on previous loans will be applied to the current loan. If no active loan exists, members may request a refund from the SSS.
Additional Financial Options: UNO Digital Bank Loans
For those looking to fund major life expenses or purchases beyond emergency assistance, UNO Digital Bank offers an #UNInor Loan. This loan allows borrowers to access funds from PHP 10,000 to PHP 500,000 with flexible repayment terms (6 to 36 months) and a 2% monthly interest rate.
Frequently Asked Questions (FAQs) of SSS Calamity Loan
Q 1: Can I reapply for a calamity loan if I already have one?
Ans: No. You must fully settle any existing calamity loans before reapplying.
Q 2: How can I check the status of my SSS calamity loan application?
Ans: Log in to your My.SSS account and check your inbox for updates on your application status.
Q 3: What happens if my loan defaults?
Ans: Defaulting on your loan results in a 10% annual interest on the outstanding balance and a 1% penalty per month until the loan is fully repaid.
Q 4:What if I have overpaid my loan?
Ans: Any overpayments are either applied to an active loan or refunded upon request if there is no active loan.
Conclusion
The SSS Calamity Loan is a lifeline for members impacted by natural disasters like Typhoon Carina. This program ensures that Filipinos have financial assistance during challenging times, enabling them to rebuild their lives.
By meeting the eligibility requirements and submitting the necessary documents, SSS members can access the aid they need to recover.
