GUIDE: How to Avail SSS Benefits for Paeng Survivors


( Social Security System members affected by Severe Tropical Storm Paeng can soon avail of the state insurer's assistance programs to help them recover from one of the strongest storms to hit the country this year.

Starting November 17 until February 16, 2023, SSS members and pensioners residing in areas declared under state of calamity due to Paeng can apply for a calamity loan or a three-month advance pension.

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What SSS benefits are available for Paeng survivors?

PHOTO BY Police Regional Office Bangsamoro Autonomous Region/Facebook

SSS members affected by Paeng can avail of a calamity loan equivalent to one monthly salary credit computed based on the average of last 12 monthly salary credits or the amount they applied for, whichever is lower.

Members can pay for this loan within two years in 23 equal monthly installments, with an interest rate of 10% per annum and a waived service fee of 1% of the loan amount.

Pensioners who are living in state of calamity areas may also avail of a three-month advance pension.

Who can avail of the SSS benefits?

Members and pensioners living in the following areas declared under state of calamity can avail of the assistance programs:

  • Muntinlupa City
  • Amulag, Enrile, and Tuguegarao in Cagayan province
  • Cavite
  • Laguna
  • Batangas
  • Rizal
  • Quezon Province
  • Mogpog, Santa Cruz, and Buenavista in Marinduque
  • Albay
  • Camarines Norte
  • Camarines Sur
  • Sorsogon
  • Catanduanes 
  • Masbate
  • Aklan
  • Antique
  • Capiz
  • Guimaras
  • Iloilo
  • Negros Occidental
  • Calbayog, Samar
  • Sirawai, Zamboanga Del Norte
  • Zamboanga City
  • Zamboanga Del Sur
  • Pigcawayan, Libungan, and Midsayap in Cotabato
  • Basilan
  • Lanao Del Sur
  • Tawi-Tawi
  • Sulu
  • Maguindanao Del Norte
  • Maguindanao Del Sur
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To avail of the calamity loan, SSS members must meet the following requirements:

  1. Must be registered ni the SSS website (My.SSS facility) to facilitate filing of online application.
  2. Must have at 36 monthly contributions, six of which should be posted within the last 12 months prior to the month of filing of
  3. Must have at least six posted monthly contributions under the current coverage/membership type prior to the month of loan application for Self-Employed, Voluntary (including Non-Working Spouse), and Overseas Filipino Worker members who are land-based.
  4. Must be residents of the calamity declared areas and suffered damages/loss to their properties.
  5. Have not been granted any final benefit, such as permanent total disability or retirement.
  6. Must not have an outstanding Loan Restructuring Program or Calamity Loan Assistance Program.
  7. If employed, the employer must certify the CLAP application thru online (My.SSS facility).

Pensioners who have availed of advance pension for previous calamities and whose pensions are still suspended may avail of the new benefit for Paeng, provided that the advance pension will not exceed three months at any time.


How to avail of SSS benefits?

Members who want to avail of the calamity loan should apply through SSS website by accessing their My. SSS account.

If approved, the calamity loan will be credited to the members UMID card enrolled as an ATM. In its absence, the amount will be deposited to the member's enrolled bank account, which should either be in a PESONet participating bank or in a Union Bank of the Philippines Quick Card.

Pensioners who want to avail of the three-month advance loan should submit at any SSS branch an accomplished Application for Assistance Due to Calamity/Disaster certified by their barangay chairman.

In the absence of such certification from the barangay chairman, a certification from the Department of Social Welfare and Development or NDRRMC will be accepted.

The advance pension will be released through a check by the branch where the pensioner filed his or her application. If the check remains unclaimed after 10 working days, it will be mailed to the pensioner’s mailing address. 

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