SSS Calamity Loan 2025 for Quake and Typhoon Victims

SSS Announces Calamity Loan Program for Members in Disaster-Hit Areas

The Social Security System (SSS) has launched its Calamity Loan Assistance Program (CLAP) to provide immediate financial relief to members impacted by recent natural disasters. The program covers members affected by the 6.9 magnitude earthquake in Cebu and those in areas hit by tropical cyclones Mirasol, Nando, and Opong.

Effective October 2, 2025, eligible members can borrow up to ₱20,000 with a lowered interest rate of 7% per annum. This initiative aims to offer timely support to help members and their families recover from the devastation caused by these calamities.

Who is Eligible to Apply?

To qualify for the SSS Calamity Loan, members must meet these essential requirements:

• Location: Must be residing or working in an area officially declared under a State of Calamity by the National Disaster Risk Reduction and Management Council (NDRRMC).

• Contributions: Must have at least 36 posted monthly contributions. At least six of these must have been posted in the 12-month period before the application month.

• Loan Status: Must have no past-due short-term member loans or any outstanding restructured loans.

• Benefit Status: Must not have received any final SSS benefit, such as total permanent disability or retirement.

• Age: Must be under 65 years of age at the time of application.

• Employer Obligations: For employed members, their employer must be up-to-date in paying SSS contributions and loan remittances.

How to Apply Online

The application process has been streamlined for convenience and safety. Eligible members can file their loan applications online through their My.SSS account on the official SSS website. Once the loan is approved, the funds will be credited directly to the member’s registered disbursement account.

Covered Areas Under State of Calamity

The program is open to all members residing in the entire province of Cebu, which was affected by the recent earthquake.

Furthermore, members in the following provinces, which were declared under a State of Calamity by the NDRRMC due to recent typhoons and the enhanced southwest monsoon, are also eligible to apply:

• Ilocos Norte

• Cagayan

• Oriental Mindoro

• Romblon

• Masbate

• Aklan

• Maguindanao

The SSS continues its commitment to assisting its members during their most difficult times. Eligible members in the affected areas are encouraged to use this opportunity to secure financial assistance for their recovery.

Reference: SSS offers Calamity Loan Program to Cebu earthquake victims, typhoon-affected members | Republic of the Philippines Social Security System