The SSS calamity loan is designed to provide financial assistance to members affected by natural disasters. To apply, you must have made at least 36 monthly contributions and have not previously availed of the loan for the same calamity. The loan amount varies but is typically up to a certain percentage of your average monthly salary credit. It's advisable to check the official SSS website or contact their customer service for specific eligibility requirements and the application process. Ensure you have all necessary documents ready to expedite your application.