SSS emergency and calamity loan

Emergency Loan

Opens after: A State of National Calamity or State of National Emergency declared through a Presidential Proclamation, an Executive Order or an equivalent issuance.

Window: One year from the date SSS announces the program in a widely circulated newspaper and its official channels, or the duration of the declared State of National Calamity or Emergency, whichever comes first. A new ELP announcement ends any ongoing one; ELPs never overlap.

Because the ELP is nationwide, members who update their local home address at an SSS branch do not need a Calamity Loan Reference Number (CLRN).

Calamity Loan

Opens for: Your registered home address, or your employer, is in an area declared under a State of Calamity at the time of the calamity event.

Window: Up to 30 calendar days from the date SSS announces the program in a widely circulated newspaper and its official channels. The announcement names the areas declared under a State of Calamity.

A member whose SSS address is outside the declared area may be issued a Calamity Loan Reference Number (CLRN), a 12-character code from designated SSS branches, as one of the eligibility requirements.

Announcements: SSS News and Updates. SSS Emergency Loan Program page SSS Calamity Loan Program page

Next: If your SSS address is outdated, update it in My.SSS or at a branch before you apply.

• Late amortization: 1% a month, charged for every day of delay. Pay by the last day of the month after the applicable month. Members are not required to pay amortizations during the first six months from loan approval, and no penalties are charged in that period.
• Default: The unpaid principal, interest and penalties reach more than six monthly amortizations, or a balance is left after the loan term. The full balance becomes due without demand. SSS deducts any unpaid balance, with interest and penalties, from any benefit due to you or your beneficiaries, including retirement, disability and death benefits. After the term, 10% a year on the diminishing balance plus the 1% monthly penalty until fully paid.
• Leaving your job. If you leave your employer, the employer deducts the loan balance from your final pay or benefits and remits it to SSS. Pay any remainder yourself with a PRN.

SSS Emergency Loan Program page

Before you start

• A My.SSS account (or the MySSS app) showing at least 18 posted contributions for the Emergency Loan, or 36 for the Calamity Loan, with 6 in the last 12 months.
• A UMID ATM Pay Card, MySSS Card or single PESONet bank account in your name, to enroll in DAEM.
• Your current mobile number, email and home address, to update in My.SSS if they changed.
• If employed: an employer that is up to date on contributions and loan remittances.

Steps

1. Check in My.SSS that you have the posted contributions the loan needs (18 or 36, with 6 in the last 12 months).
2. Enroll a disbursement account in the DAEM module of My.SSS. The loan is released only to an account enrolled in DAEM, so it must show as enrolled before you file.
3. Update your contact details and home address in My.SSS, or file SSS Form E-4 at a branch. The Emergency Loan needs a valid Philippine home address on your SSS record; the Calamity Loan needs an address (or employer) in the declared area.
4. File online in your My.SSS account on the SSS website or in the MySSS mobile app, choosing the Emergency Loan or the Calamity Loan.
5. If employed, your employer certifies the application in its own My.SSS account, attesting that your net take-home pay covers the amortization. Employed members' applications need this certification; if it stays pending, ask your HR or payroll officer.
6. Pay each amortization with a Payment Reference Number (PRN) at an SSS branch with tellering facility or an SSS-accredited collecting agent, unless your employer deducts it from payroll. For an Emergency Loan dated May 6, 2026, SSS's own example puts the first amortization in December 2026, due by January 31, 2027.

SSS lists no paper documents for either loan; everything is done in My.SSS. SSS Emergency Loan Program page

Who qualifies for the Emergency Loan

• At least 18 posted monthly contributions, 6 of them within the 12 months before the month you apply
• Self-employed, voluntary (including non-working spouse) and land-based OFW members need at least 6 posted contributions under their current membership type before the month you apply
• Employer updated on contributions and loan remittances (employed members), unless under an approved moratorium
• A valid Philippine home address on SSS records
• Of legal age and under 65 when you apply
• No emergency, calamity, salary or other member loan past maturity, and no arrears of more than three monthly amortizations
• No outstanding Restructured Loan, no disqualification for fraud, and no final benefit granted (such as retirement or permanent total disability) unless it was cancelled
• Updated contact information and an active disbursement account enrolled in the DAEM of My.SSS

Circular No. 2026-003, eligibility

Who qualifies for the Calamity Loan

• At least 36 posted monthly contributions, 6 of them within the 12 months before the month you apply
• Self-employed, voluntary (including non-working spouse) and land-based OFW members need at least 6 posted contributions under their current membership type before the month you apply
• Employer updated on contributions and loan remittances (employed members)
• Registered home address in a declared calamity area, or employed by an employer located in one, at the time of the calamity
• Of legal age and under 65 when you apply
• No past-due calamity, salary or other member loan, no outstanding Restructured Loan, no disqualification for fraud, and no final benefit granted unless it was cancelled
• Updated contact information and an active disbursement account enrolled in the DAEM of My.SSS

Circular No. 2025-006, section IV.B

Renewal

Emergency Loan: Allowed if you have no loan past maturity and no unpaid amortizations of more than three months under any SSS short-term member loan, through the ELP (under a new and separate Proclamation, EO or equivalent) or the Calamity Loan Program. The old balance is deducted from the new loan. SSS Emergency Loan Program page

Calamity Loan: After 6 months from approval if the loan is not past due and the last 3 amortizations were paid on time. A fully paid loan can be renewed at once if the last 3 amortizations were on time, otherwise 3 months after full payment. Net proceeds of a renewal must be at least ₱1,000 (₱100 for kasambahay). SSS Calamity Loan Program page

For a question about your own loan, a missing release or whether your address counts as a declared area, contact SSS: hotline 1455 or usssaptayo@sss.gov.ph, or any SSS branch. SSS contact details

A loan is borrowed money you pay back, so the cash you receive is not income. If you are self-employed and the loan funds your business, its interest sits with your other business costs when you work out taxable income; the Income tax calculator and the guide to the 8% rate versus graduated rates show how that choice changes your tax.