Requirements for SSS Calamity Loan 2026 on Employers of Locally-Employed Members

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Guide on Requirements for SSS Calamity Loan 2026 Application (Employers)

REQUIREMENTS FOR SSS CALAMITY LOAN 2026 – There is a set of criteria that employers of locally-employed members of the Social Security System who want to apply for the emergency loan offer should meet.

The edge of being a member of a social insurance giant is that you have something to turn to when unwanted but inevitable instances take place. For example, in times of calamities, if you are a member of either the Social Security System (SSS) or the Government Service Insurance System (GSIS), you have a calamity loan offer that you may turn to.

SSS GSIS

Millions of Filipinos are members of the Social Security System or more popularly called SSS. It has opened its membership not only to locally-employed Filipinos in the private sector but as well as the self-employed individuals, the household helpers, the overseas Filipino workers (OFWs), and the voluntary members.

The SSS has several loan and benefit offers for its members. Aside from the SSS Salary Loan, the loans offered by the social insurance giant also includes the SSS Calamity Loan or also called the Emergency Loan offer.

SSS

For locally-employed individuals who want to apply for the offer that the social insurance giant made to help their members in times of natural calamities, there are requirements for the SSS Calamity Loan application on the employers of these members.

The employers of the member-borrowers who wish to apply for the offer should comply with the following requirements for SSS Calamity Loan application:

  • The employer must certify the Loan Application of their employees and must attest to the following:
    • The borrower is presently employed by the employer or the company.
    • The employee’s net take-home pay is sufficient to cover the deduction of the loan monthly amortization.
  • In case the employed member is separated voluntarily (e.g., retirement or resignation) or involuntarily (e.g., termination of employment or cessation of operations of the company) from the company, the employer shall deduct the total balance of the loan from any benefit/s due the employee and shall remit the same in full to SSS.
Requirements for SSS Calamity Loan 2026
  • The employer shall require a new employee to secure an updated statement of account through his/her My.SSS account, deduct the amortization due from his/her salary and remit the payment to SSS.
  • The employer shall be responsible for the collection through payroll deduction and remittance to the SSS of the amortization due on the employed member’s loan.
  • The employer shall report to the SSS the effective date of no earnings from the company of the employed member and its corresponding reason, through Payment Reference Number (PRN) – Loan Collection List (LCL) under the Real-Time Processing of Loans (RTPL) program, if the salary or benefit/s of the employed member is/are insufficient to fully repay his/her loan.

To apply for the SSS Calamity Loan offer, submit or file your loan application through through the My.SSS Website or thru the MySSS App. Don’t forget to enroll/nominate a valid bank account for the disbursement of your loan proceeds.

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