How to Apply for SSS Calamity Loan Online in 2022

How to Apply for SSS Calamity Loan

The Philippines is at high risk from cyclones, earthquakes, floods, landslides and volcanic eruptions. When natural calamities, disaster or other unexpected emergencies strike, SSS can help you to start over because SSS offers calamity loan for its members.

SSS members can apply for calamity loan anytime the service and program was announced and released as available. Calamity loans can be availed and applied when a relief-package has been issued to SSS while emergency loans are available for all qualified members. This service and program will allow you to recover through financial loan you can use to cover for your needs.

Table of Contents
What is the SSS Calamity Loan?
Who can avail an SSS Calamity Loan?
SSS Calamity Loan Requirements
How much is the SSS Calamity Loan amount?
How to Apply for the SSS Calamity Loan Online
SSS Calamity Loan Interest Rate and Fees
Is the SSS Calamity Loan (CLAP) still available?
How long is the SSS Calamity Loan Processing Time?
Where can I pay my SSS Calamity Loan?
I cannot pay my SSS Loan. What happens next?
Final Thoughts

Keep in mind that the SSS Calamity Loans are special, meaning, this type of loan is not available for all members and is not available anytime, anywhere. Currently, SSS just release this type of loans for members affected by calamities only. The government release special budget for that. So if you want to apply for calamity loan, you can go to your SSS branch and avail it.

The requirements, guidelines and process in applying for SSS calamity loan are discussed in this article. The amount of cash you will receive can help you recover from the disaster and from your losses. This member’s benefit from the SSS will help you stand up again. We will also give you an idea how much you can earn once you get approved. Learn all about this calamity loan below.

What is the SSS Calamity Loan?

Offered by the SSS or Social Security System, the SSS Calamity Assistance Program (CLAP) is for calamity-stricken members who are in need of financial aid. Below are the features and fees of this loan assistance program.

  • Loan amount: Up to PHP 20,000 depending on your average monthly salary credit
  • Interest rate: 10% but was recently reduced to 6% per annum
  • Payment term: 24 months. The SSS, however, extended the SSS calamity loan payment term to 27 months. This means that loan payments will start on the fourth month after the date of loan approval.
  • Service fee: 1% to be deducted from the total loan proceeds

Who can avail an SSS Calamity Loan?

Below is the SSS calamity loan eligibility criteria. Make sure you qualify before applying for the calamity loan:

  • Must be a Philippine resident
  • Location is in an area under the State of Calamity
  • Has paid at least 36 months of SSS contributions
  • Has paid at least six months of SSS contributions within the last 12 months before the month of the calamity loan application
  • Member has not availed of retirement, disability, or death benefits from the SSS
  • No outstanding balance in the SSS Loan Restructuring Program or Calamity Loan Assistance Program

SSS Calamity Loan Requirements

  • Accomplished CLAP Form[1]
  • Barangay Certification
  • Two valid IDs (UMID, Passport, Driver’s License, PhilHealth ID, TIN ID, etc.)
  • Documents stating your area is under the state of calamity

Important Note: Because of the COVID-19 pandemic, the SSS calamity loan is now available to all SSS members nationwide, according to SSS President and CEO Aurora Ignacio[2]. Also, the agency is no longer requiring applicants to submit documents proving that their location is under the state of calamity.

How much is the SSS Calamity Loan amount?

The SSS calamity loan amount is equal to one-month salary credit (MSC), based on your average MSCs in the last 12 months. It may also be equal to the amount you requested in your application, whichever of the two is lower.

How to Apply for the SSS Calamity Loan Online

Typically, you need to go your nearest SSS branch to submit your loan application. Now you can file your SSS calamity loan application online through the My.SSS web portal at

Follow these steps to apply for the SSS calamity loan online:

  1. Visit the My.SSS web portal and login to your member account
  2. On your dashboard, tap on “E-services”
  3. Select “Apply for Calamity Loan”
  4. Fill in the required details and click “Submit”
  5. Wait for your loan application to be processed

SSS Calamity Loan Interest Rate and Fees

  • Interest rate: 6% per annum starting on the fourth month
  • Amortization period: 24 months (27 months with the latest calamity loan program)
  • Advanced interest: Not charged on the loan
  • Late payment penalty: 1% of outstanding balance
  • Service fee: 1% of the total loan proceed amount

Is the SSS Calamity Loan (CLAP) still available?

The deadline for the latest CLAP was in September 14, 2020. According to the SSS, they will soon announce to the public if a new calamity loan package will be available for its members. In the meantime, if your area was recently affected by a calamity, you can still proceed with your SSS calamity loan application.

How long is the SSS Calamity Loan Processing Time?

It usually takes three to five working days for the SSS to process a calamity loan. You can receive the proceeds through the following channels:

  • Via check: Your bank check will be delivered to your preferred mailing address.
  • Active UMID-ATM: You can automatically receive your loan amount in your active SSS UMID account.
  • UnionBank Quick cards: The proceeds will be in your UBP Quick Card in three to five working days after loan approval.
  • PESONet-accredited banks: You can get your proceeds within one to two working days after approval.

Where can I pay my SSS Calamity Loan?

The calamity loan is payable through salary deduction. You can also pay for it in any SSS branch, an SSS-accredited bank, or an SSS authorized payment center. The payment deadline is on or before the last day of the month. However, if the payment deadline falls on a Saturday, Sunday, or holiday, you should make your loan payment on the next working day.

I cannot pay my SSS Loan. What happens next?

If you fail to pay your outstanding calamity loan balance, SSS will deduct the remaining amount (with an interest and penalty fee) from other SSS benefits you intend to claim in the future.

  • For employed members: the outstanding balance will be deducted from final SSS benefits (total disability, retirement, death benefits)
  • For self-employed or voluntary members: the outstanding balance will be deducted from short-term benefits (sickness, maternal, partial disability benefits) or final SSS benefits.

Final Thoughts

The SSS calamity loan aims to ease financial burdens caused by a calamity like the COVID-19 pandemic. Applying for the financial assistance has become easier since you can now do it online. Make sure to have all the requirements when applying for this SSS loan.

That's all guys. We hope this article provide you enough information about on How to Apply for SSS Calamity Loan Online for this year 2022. For more information about the calamity loan, you may contact SSS through their Call Center hotline (920-6446 to 55) or inquire at the nearest SSS branch.

Related: How to Apply for Pag-IBIG Calamity Loan

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