About SSS
The SSS Mandate（https://www.sss.gov.ph/the-sss-mandate/）
Social Security Commission（https://www.sss.gov.ph/ss-commission/）
Management Directory（https://www.sss.gov.ph/management-directory/）
Citizen’s Charter（https://www.sss.gov.ph/wp-content/uploads/2026/07/2026-SSS-Citizens-Charter-1st-Edition-External-Services.pdf）
Annual Reports（https://www.sss.gov.ph/sss-annual-reports/）
Membership & Coverage
Become an SSS Member（https://www.sss.gov.ph/become-an-sss-member/）
Compulsory Coverage（https://www.sss.gov.ph/compulsory-coverage/）
Employers（https://www.sss.gov.ph/employer-er/）
Employees（https://www.sss.gov.ph/employees/）
Household Employers（https://www.sss.gov.ph/household-employer/）
Kasambahay（https://www.sss.gov.ph/kasambahay）
Self-Employed（https://www.sss.gov.ph/self-employed/）
Overseas Filipino Workers (OFWs)（https://www.sss.gov.ph/ofw-member/）
Voluntary Coverage（https://www.sss.gov.ph/voluntary-coverage/）
Voluntary Members（https://www.sss.gov.ph/voluntary-member/）
Non-working Spouse（https://www.sss.gov.ph/non-working-spouse/）
SSS for Filipinos Abroad（https://www.sss.gov.ph/sss-for-filipinos-abroad/）
Know about the OFW Coverage Program（https://www.sss.gov.ph/ofw-member/）
Check the Bilateral Social Security Agreements（https://www.sss.gov.ph/bilateral-agreements/）
Continuing SSS Membership as an Immigrant（https://www.sss.gov.ph/voluntary-member/）
Get a Pension Account Abroad（https://www.sss.gov.ph/pension-account/）
Pay Contributions（https://www.sss.gov.ph/pay-contribution/）
SSS Payment Channels（https://www.sss.gov.ph/sss-payment-channels/）
SSS Contribution Table（https://www.sss.gov.ph/sss-contribution-table/）
MySSS Pension Booster（https://www.sss.gov.ph/mysss-pension-booster/）
MySSS Card（https://www.sss.gov.ph/mysss-card/）
News（https://www.sss.gov.ph/news-and-updates/）
Benefits
Social Security Benefits（https://www.sss.gov.ph/benefits/）
Sickness（https://www.sss.gov.ph/sickness-benefit/）
Maternity（https://www.sss.gov.ph/maternity-benefit/）
Disability（https://www.sss.gov.ph/disability-benefit/）
Retirement（https://www.sss.gov.ph/retirement-benefit/）
Death（https://www.sss.gov.ph/death-benefit/）
Funeral（https://www.sss.gov.ph/funeral-benefit/）
Unemployment（https://www.sss.gov.ph/unemployment-benefit/）
Employees’ Compensation Program（https://www.sss.gov.ph/employees-compensation-program/）
Loans
Member Loans（https://www.sss.gov.ph/loans/）
Salary Loan（https://www.sss.gov.ph/salary-loan/）
SSS LoanLite（https://www.sss.gov.ph/sss-loanlite/）
Calamity Loan（https://www.sss.gov.ph/calamity-loan/）
Emergency Loan Program（https://www.sss.gov.ph/sss-emergency-loan-program/）
Pension Loan Program（https://www.sss.gov.ph/new-pension-loan-retiree/）
Conso Loan Program（https://www.sss.gov.ph/sss-conso-loan-program/）
Option to Sell Shares of Stocks Program（https://www.sss.gov.ph/option-to-sell/）
Pay Loans（https://www.sss.gov.ph/pay-loans/）
Laws & Circulars
Social Security Laws（https://www.sss.gov.ph/social-security-laws/）
SSS Circulars（https://www.sss.gov.ph/sss-circulars/）
SSC Rules of Procedure（https://www.sss.gov.ph/ssc-rules-of-procedure/）
Opportunities
Public Bidding（https://www.sss.gov.ph/bidding_category/invitation-to-bid/）
Small Value Procurement（https://www.sss.gov.ph/svp_office/main-office/?_sfm_category=Request%20for%20Quotation）
Assets for Sale/Lease（https://www.sss.gov.ph/assets_for_sale/）
Properties Available for Sale（https://www.sss.gov.ph/acquired_assets/）
Careers（https://www.sss.gov.ph/jobsatsss/）
Contact Us（https://www.sss.gov.ph/contact-us/）
Login to My.SSS（https://sso.sss.gov.ph/sso/auth/redirect）
SSS Emergency Loan Program
Tulong pinansyal para sa mga apektadong miyembro sa panahon ng pambansang kalamidad
Click to apply via My.SSS（https://sso.sss.gov.ph/sso/auth/redirect）
Read Circular 2026-003（https://www.sss.gov.ph/wp-content/uploads/2026/04/CI2026-003-External.pdf）
Overview
Application Process
Loan Details
Renewal Policy
Responsibilities of the Member
Responsibilities of the Employer (for Employed Members)
Other Conditions
Overview
Description
A Short-Term Member Loan Program available to all Philippine residents under a State of National Calamity (SONC) or State of National Emergency (SONE) pursuant to a Presidential Proclamation, an Executive Order, or equivalent issuance.
Availment Period
The availment period for the ELP shall be one (1) year from the date of its announcement through a widely circulated newspaper and SSS official communication channels, or for the duration of the declared SONC or SONE, whichever comes first.
Notwithstanding the foregoing, such availment period may be curtailed upon the announcement by the SSS of a new ELP, which shall automatically terminate and supersede any existing or ongoing ELP.
There shall be no overlapping ELPs. The most recent ELP announcement shall prevail over and supersede all previous programs.
Eligibility Requirements
To qualify for the SSS ELP, the following conditions must be satisfied:
Number of Contributions
The member must have at least 18 monthly contributions, six (6) of which should be posted within the last 12 months prior to the month of filing of application.
In addition, SE members, VM, including NWS, or land-based OFW members must have at least six (6) posted monthly contributions under their current coverage/membership type prior to the month of loan application.
The employer of the employed member must be updated in the payment of contributions and loan remittances, unless covered by an approved moratorium on payments. In such cases, compliance shall be based on the terms and conditions of the approved moratorium.
Other Member Qualifications
The member must:
Have a valid Philippine home address on SSS records;
Have not been granted any final benefit (e.g., permanent total disability, retirement), provided that if a final benefit has previously been granted, the same has already been cancelled prior to the loan application due to re-employment, resumption of self-employment, or recovery from total disability;
Be of legal age and under 65 years of age at the time of application for loan;
Have no Emergency, Calamity, Salary, including SLERP, EALP, or other short-term or long-term member loans, as may be determined by the SSS, that are past maturity and have no unpaid arrears equivalent to more than three (3) monthly loan amortizations;
Have no outstanding Restructured Loan;
Have not been disqualified due to fraud committed against the SSS;
Have updated contact information in the SSS database; and
Have an active disbursement account enrolled through the DAEM in the SSS website.
Application Process
Updating of Member’s Home Address during the ELP Availment Period
In view of the nationwide coverage of the ELP, members who update their local home address at any SSS Branch Office/FO shall not be required to obtain a Calamity Loan Reference Number (CLRN) . Regardless of their local home address, members remain eligible for the ELP, provided they meet all other qualification requirements.
Filing of Applications
A member shall file the loan application online through their My.SSS account（https://sso.sss.gov.ph/sso/auth/redirect） via the SSS website or through the SSS mobile application.
Release of Emergency Loan Proceeds
The loan proceeds shall be released through any of the following:
Active MySSS Card or UMID ATM Pay Card; or
Active single account in any PESONet participating banks in the name of the member. Said bank account must be enrolled in the DAEM of the member’s My.SSS account.
Loan Details
Emergency Loan Amount
The loan amount shall be equivalent to the following:
Number of MSCs of Member Loan Amount
18 to 35 50% of the average of the 12 latest posted MSCs under the Regular SS Program, rounded up to the nearest thousand pesos, or the amount applied for, whichever is lower
Sample Illustration:
Average MSC: Php 15,000.00
50% of the average MSC: Php 15,000.00 x 50% = Php 7,500.00
Loanable amount: Php 8,000.00 (rounded up to the nearest thousand)
36 or more 100% of the average of the 12 latest posted MSCs under the Regular SS Program, rounded up to the nearest thousand pesos, or the amount applied for, whichever is lower
Sample Illustration:
Average MSC: Php 15,000.00
100% of the average MSC: Php 15,000.00 x 100% = Php 15,000.00
Loanable amount: Php 15,000.00
See Contribution Table here（https://www.sss.gov.ph/wp-content/uploads/2024/12/Cir-2024-006-Employers-scaled.jpg）.
The net amount of the loan shall be the approved loan amount less the outstanding balance of any previous emergency or calamity loan, if applicable, with a minimum net proceeds of Php 1,000.00 after deducting prior loan balance except for kasambahay/household employees, whose loan proceeds must be greater than or equal to Php 100.00.
Interest, Penalty, and Rate Adjustment
Interest Rates
Type of Emergency Loan Application Interest Rate
Initial Seven percent (7%) interest per annum based on diminishing principal balance. Annual EIR (effective interest rate) shall range from 7.03% to 7.39% depending on the number of days where pro-rated interest has been applied.
Loan renewal without availment of penalty condonation for the past five (5) years
Loan renewal with previous availment of penalty condonation within the past five (5) years Ten percent (10%) interest per annum based on diminishing principal balance. Annual EIR shall range from 10.06% to 10.58% depending on the number of days where pro-rated interest has been applied.
The interest accumulated from the loan date to the end of the six-month moratorium will be included and distributed equally in the monthly amortization. This interest will not accrue further interest.
Emergency Loan amortizations remitted after the due date shall bear a penalty of 1% per month computed and charged for every day of delay.
Emergency loans that remain unpaid after the loan term shall be subject to 10% interest per annum based on diminishing principal balance at the time of loan approval, and a 1% monthly penalty shall apply until fully paid.
Interest Rate Adjustment
The Emergency Loan interest rate shall follow the prevailing interest rate of the Calamity Loan Program and will automatically adopt any movements or approved modifications to the Calamity Loan interest rate.
Emergency Loan Repayment Term and Schedule of Payment
The loan shall be payable in thirty (30) months inclusive of the six (6) months moratorium on payments and twenty-four (24) equal monthly amortizations.
The loan amortization shall commence in the month following the six (6)-month moratorium period from the loan date.
Payment deadline shall be on or before the last day of the month following the applicable month.
Sample Illustration:
Loan Date: 06 May 2026
First Amortization: December 2026
First Amortization Due Date: 31 January 2027
Applicable Month Payment Deadline
December 2026 31 January 2027
January 2027 28 February 2027
February 2027 31 March 2027
In case the payment deadline falls on a Saturday, Sunday, or Holiday, payment may be made on the next working day.
Payment shall be made using a PRN at any SSS Branch Office with Tellering Facility or through any SSS-accredited collecting agent.
Application of Emergency Loan Payments
Any payment, including excess in the monthly amortization, if any, shall be applied in the following order of priority:
Penalty
Interest
Principal
Likewise, overpayment on a previous loan shall be subject to validation of SSS, and if valid, shall be applied to the active loan, if any, in accordance with the above order of priority. If there is no active loan, it shall be refunded to the member upon their request.
Default Conditions
A loan shall be considered in default when the total unpaid obligation (consisting of unpaid principal, interest, and penalties) is equivalent to more than six (6) monthly amortizations or it has remaining unpaid balance after its loan term.