Eligibility Requirements for the SSS Calamity Loan (2024)

If you’re considering applying for an SSS Calamity Loan, you’ll need to meet several important qualifications to ensure your application is processed smoothly. Here’s a detailed overview of the requirements:

1. Age Requirement: You must be under 65 years old at the time you submit your loan application. This ensures that you are still within the age range eligible for the loan program.
2. SSS Registration: You should be registered on the My.SSS portal. This online platform is essential for managing your SSS transactions and accessing various services, including the calamity loan application.
3. Residency in a Calamity Area: To qualify, you must be a resident of a region officially declared as a calamity area. This designation is crucial as it confirms that you are directly affected by the disaster or emergency situation.
4. Contribution Requirements: You need to have a minimum of 36 monthly contributions. Out of these, at least six contributions should have been posted within the 12 months preceding your calamity loan application. For self-employed individuals, voluntary members, and land-based Overseas Filipino Workers (OFWs), the requirement is that six of these contributions must be posted under your current membership type before applying for the loan.
5. Eligibility for Benefits: You should not have already availed of final benefits such as retirement or permanent total disability benefits. This ensures that the calamity loan is provided to those who have not yet received other types of final benefits.
6. Outstanding Balance: There must be no outstanding balance in your SSS Loan Restructuring Program (LRP) or Calamity Loan Assistance Program (CLAP). This requirement ensures that your financial obligations with SSS are up to date and manageable.

Important Note for Employed Applicants: If you are employed, you will need to request your employer to certify your calamity loan application through the My.SSS facility. This certification is a key part of the process for employed individuals.

By meeting these requirements, you can ensure that your application for the SSS Calamity Loan will be processed efficiently, providing you with the financial support needed during challenging times.