List of SSS Calamity Loan Requirements 2026 for Employers of Locally-Employed Members
SSS CALAMITY LOAN REQUIREMENTS 2026 – Here are the requirements set by the Social Security System for the employers of locally-employed members.
The Calamity Loan offer of the Social Security System is not only open for the salaried members of the state-run social insurance entity but as well as the non-salaried or the self-employed members. However, there are some things that should be complied with by the employers of the locally-employed members of the social insurance giant.
The SSS Calamity Loan or also called the SSS Emergency Loan comes with the best features — lower interest rate and fast and easy application process among others. However, if you are a locally-employed member who wants to ensure that the loan application is smooth, it is important to not only check the requirements set for the member-borrower but as well as those set on the employer of the member-borrower.
Here are the SSS Calamity Loan requirements 2026 that employers of locally-employed members must comply:
- 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.
- 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.
- 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.
- 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.
How to apply for the SSS Calamity Loan offer? File your loan application through the My.SSS Website or thru the MySSS App. Make sure to enroll or nominate a valid bank account in the Disbursement Account Enrollment Module (DAEM) for the disbursement of calamity loan application.