Lists of Eligibility & Documentary SSS Calamity Loan Requirements 2026
SSS CALAMITY LOAN REQUIREMENTS 2026 – You can check here the qualifications and the documents required by the Social Security System for the loan application.
The Philippines is prone to natural calamities. Thus, an eligibility to a calamity loan offer really posts an advantage. While they are unwanted, truth be told that calamities are inevitable. One of the calamity loan providers in the country is the Social Security System.
More popularly called SSS, the Social Security System has three (3) major loan offers — the SSS Cash Loan, the SSS Housing Loan, and the SSS Calamity Loan. With regards to the calamity loan offer of the social insurance giant, it is open for all members of the state-run entity who qualify to the loan offer — locally-employed and self-employed individuals, household helpers, overseas Filipino workers (OFWs), and voluntary members.
The Social Security System has streamlined the activation process of its Calamity Loan Program or CLAP. The loan offer is made available within seven (7) working days since the area was declared under a State of Calamity. It is important to check on the SSS Calamity Loan requirements for application.
The SSS Calamity Loan requirements including qualifications and a few documents that you should prepare. Here are the qualifications for application:
- has at least thirty-six (36) monthly contributions, six (6) of which should be posted within the last twelve (12) months prior to the month of filing of application;
- has at least six (6) posted monthly contributions under the current coverage/membership type prior to the month of loan application for Self-Employed, Voluntary (including Non-Working Spouse), and Overseas Filipino Worker (SE/VM/OFW) members who are land based;
- has no past due SSS Short-Term Member Loans;
- a resident of the calamity declared areas and suffered damages/loss to their properties. A resident, for the purpose of CLAP, is one who has a home address or property at the calamity-stricken area;
- has not been granted any final benefit, i.e., permanent total disability or retirement;
- member-borrower must be registered in the SSS Website (My.SSS facility) to facilitate filing of online application;
- has no outstanding Loan Restructuring Program (LRP) or Calamity Loan Assistance Program (CLAP)
Aside from the qualifications cited above, there SSS Calamity Loan requirements also include certain steps aside from preparing for a duly-accomplished application form ir you will apply for the offer over-the-counter. Make sure that you comply with the following:
- update your contact information by logging in to your My.SSS account through the SSS website or mobile application or by submitting a properly filled out Member Data Change Request Form (E-4) to the nearest SSS Branch
- If you transferred to a new employment, the new employer will be automatically authorized to deduct from your salary the corresponding amortization due, including any interest or penalty for late remittance.
The SSS Calamity Loan application can be done through your My.SSS account or through the SSS Mobile App. You might also like to check out the different SSS benefits for members.