The believer who suffers a calamity, would say as Allah (swt) tells us:

{ قُل لَّن يُصِيبَنَا إِلَّا مَا كَتَبَ اللَّهُ لَنَا هُوَ مَوْلَانَا}

(Say, “Never will we be struck except by what Allah has decreed for us.)  (At-Tawba:51)

Allah (swt) says “for us” and does not say “upon us”. If He (swt) had said, “upon us”, the calamity would not have been for our own benefit.

“For us”, that is, the consequences of patience of the calamity is for us, for our benefit, either in this world or in the Hereafter. You live in this world in all its conditions, and you wish to get good from Allah (swt). If you get good through patience to the calamity, you get blessings, which is indicated in Arabic as (Prayers) from your Lord (swt), as (swt) says:

( عَلَيْهِمْ صَلَوَاتٌ مِّن رَّبِّهِمْ ) (upon whom are blessings from their Lord.): Prayers from the human is a Du‘aa’ (supplication), from the angels is asking forgiveness, and from Allah (swt) is blessings. When Allah (swt) prays for His servants they will get mercy and bestowment.

  {هُوَ الَّذِي يُصَلِّي عَلَيْكُمْ وَمَلَائِكَتُهُ لِيُخْرِجَكُم مِّنَ الظُّلُمَاتِ إِلَى النُّورِ ۚ وَكَانَ بِالْمُؤْمِنِينَ رَحِيمًا}

(It is He who confers blessing upon you, and His angels [ask Him to do so] that He may bring you out from darkness’s into the light. And ever is He, to the believers, Merciful.)  (Al-Ahzab: 43)

And the angels are asking forgiveness for them:

{ إِنَّ اللَّهَ وَمَلَائِكَتَهُ يُصَلُّونَ عَلَى النَّبِيِّ }

(Indeed, Allah confers blessing upon the Prophet, and His angels [ask Him to do so.)  (Al-Ahzab: 56)

But you call Allah (swt) (make du‘aa’). However, when Allah (swt) commands you to ask [Allah to confer] blessing upon the prophet (saws) and ask [Allah to grant him] peace, but the benefit of your prayers return to you, not to the Prophet (swt). Why? Because the Prophet (saws) said:

“Whoever sends Salat upon me, Allah sends Salat upon him ten times.” [1]

A total of ten bestowments were granted by Allah (swt) for all those who send prayers upon the prophet of Allah (swt) for once. Moreover, if you are patient, and you say: (“Indeed we belong to Allah, and indeed to Him we will return.”) then, you have achieved the purpose that leads to the satisfaction of Allah (swt) and His bounty. Because as mentioned in this verse of study: (Those are the ones upon whom are blessings from their Lord and mercy. And it is those who are the [rightly] guided). Moreover, guidance is the way that leads to the target, which is receiving the mercy of Allah (swt).

[1] Sunan AT-Tirmidhi, chapter of Witr, favours of Salat upon the Prophet, Hadith No. 484.