The Government Service Insurance System (GSIS) has increased its emergency loan assistance to almost ₱8 billion, benefiting 317,721 active members and old-age and disability pensioners in 16 areas affected by widespread flooding and other impacts of Typhoons “Luis,” “Maymay,” and “Neneng,” and the enhanced Southwest Monsoon (Habagat).
The expanded emergency loan program covers qualified GSIS members and pensioners working or residing in affected areas in Luzon and Mindanao, with application deadlines ranging from September 20 to November 16, 2026, depending on the area.
Qualified members and pensioners in Hagonoy in Bulacan, and Masinloc in Zambales may apply until September 20; Bulacan (except Calumpit and Hagonoy), Bataan, Zambales (except Olongapo City and Masinloc), and La Trinidad, Benguet until September 26; and Nasugbu in Batangas and Paluan in Occidental Mindoro until September 27.
For other municipalities in Benguet (except Baguio City and La Trinidad), Tarlac, and Pangasinan (except Dagupan City, Mangaldan, and Sta. Barbara), the filing deadline is on October 2; Imelda in Zamboanga Sibugay on October 3; Occidental Mindoro on October 7; and Olongapo City in Zambales on October 9.
In the province of Cavite, and Rodriguez in Rizal, application deadlines are on November 12 and 16, respectively.
The affected areas experienced flooding, property damage, and disruptions to normal community activities following the combined effects of the weather disturbances, prompting the concerned local government units to declare their respective areas under a state of calamity.
In response, GSIS ensures access to essential social insurance services by providing timely financial assistance through its Emergency Loan Program to qualified members and pensioners whose homes, livelihoods, and communities have been affected by the disasters.
Under the GSIS Emergency Loan Program, qualified active members and old-age and disability pensioners may avail of a ₱20,000 emergency loan. Those with an existing emergency loan account may avail of up to ₱40,000, with the outstanding balance of their existing emergency loan deducted from the proceeds.
The emergency loan carries an interest rate of 6% computed in advance, payable over 36 monthly installments. The monthly amortization is ₱655.56 for a ₱20,000 loan and ₱1,311.11 for a loan of up to ₱40,000.
To qualify, active members must be bona fide employees of an agency located in or residents of the declared calamity area; must not be on leave without pay; must have paid the required 3-month premium contributions within the prescribed six-month period; must have no unpaid loans for more than six months; must have no pending administrative or criminal case; and must maintain the required minimum take-home pay of ₱5,000 after loan availment.
Old-age and disability pensioners must be residents of the declared calamity area and retain at least 25% of their basic monthly pension after emergency loan availment.
Members and pensioners may apply for the emergency loan through the GSIS Touch mobile app.
Loan proceeds will be directly credited to the borrower’s accredited eCard or UMID card.
