SSS Maternity Benefit Computation – Updated August 2024
Ready to welcome your baby to this world?
Do not just consider being emotionally ready when you think of getting ready for your bundle of joy.
Assess your nursery room to see if it has all the baby stuff you need.
Do you have enough stock of baby clothes, diapers, and wipes? How about milk bottles and vitamins for you and the baby? Is there an available carrier? Crib? Stroller?
Also, ask yourself if you and your partner are financially ready.
Have you saved enough money for your delivery, regardless if it is a normal or cesarean section? Do you have emergency funds for follow-up check-ups or unexpected medical expenses? Can you finance the succeeding purchases for diapers and other baby needs?
Caring for your child will be your top priority for the first few months. Your newborn needs your utmost attention and tends to survive outside your womb. However, there’s a downside. Having a baby means you must stop working in the meantime. It equates to no salary until you resume working.
What’s not what most expecting moms realize is that you have more financial needs after giving birth. How can you cope with all these expenses if you have no other income source except your partner’s? Or worse, if you’re the breadwinner in the family.
Fortunately, SSS offers programs for expecting mothers. The government agency finances a duly filed claim for working moms who need to rest after giving birth. In other words, your lack of salary while on Maternity Leave will be the least of your concerns.
I regret not knowing about the SSS Maternity Benefit when I had my first daughter. If I had known this, I wouldn’t have stressed myself out thinking about earning while being a busy first-time mother.
Now that I am nearing my due date for my second child, I know better. Every mom with a newborn baby can use the extra cash for clothes, diapers, bath necessities, and whatnot. Thankfully, the SSS Maternity Benefit can help me and you as well.
Let me guide you in overcoming the overwhelming emotions and expenses that come with our precious angel.
What is SSS Maternity Benefit?
How does Republic Act 11210 affect SSS Maternity Benefit?
What is the Expanded Maternity Leave Law?
How to Avail SSS Maternity Benefits?
What are the Requirements for SSS Maternity Benefits?
SSS Maternity Benefit for Unemployed
How much is SSS Maternity Benefit?
How To Compute Maternity Benefits 2023?
How To Apply Maternity Benefits In SSS Online?
SSS Maternity Contribution Table 2024
How to Avail Maternity Benefits in SSS 2024?
How to Avail SSS Maternity Benefits for Voluntary Members 2024?
Steps for Online SSS Maternity Benefit Application 2024
Cash Mart: Backup for SSS Maternity Benefit
Frequently Asked Questions
Aside from the SSS salary loan and SSS housing loan, you can get more from SSS.
To clarify: SSS Maternity Benefit is not a loan. It is your allowance from SSS while you are still recovering from childbirth. And you can avail of it only for the first four (4) deliveries or miscarriages.
It is the benefit you can get from the SSS contributions you have been paying off monthly. (Hooray!)
SSS gives a female SSS member a daily cash allowance if she can’t work due to miscarriage or childbirth. You must fill out your request with the SSS branch, where your employer and employee information is based.
In March 2019, the government implemented the 105-Day Expanded Maternity Leave Act, which increases the number of paid leave and maternity leave.
Before, the law only permitted 60 days for normal delivery while 78 days for cesarean section delivery. However, with the new mandate, mothers have the privilege of 105 days of maternity for live childbirth. It is regardless of whether the delivery is normal or cesarean.
Meanwhile, miscarriage or emergency termination of pregnancy has 60 paid days. Lastly, a solo parent has an additional 15 days. This means that a single mother has 120 days of paid leave.
In addition, fathers also benefit from the added paid leaves. The seven days of paid maternity leave are transferrable. Your husband can enjoy more precious moments with your newborn.
The government elaborated on maternity leave under Republic Act No. 11210, causing a significant change. Before, it was only 60 days, but now it’s 105 days. The law is long and complicated, so here’s a simple summary of the key points.
Maternity Leave Benefits for All Women. Every pregnant woman is entitled to maternity leave benefits whether you’re married or not.
Leave After Job Termination. You can still claim maternity leave even if recently fired or terminated. However, your baby must be born, or your miscarriage must be within 15 days after you lose your job.
Leave Duration. The minimum leave is 60 days, but it can go up to 105 days.
PhilHealth Coverage. This applies to non-paying SSS. PhilHealth will offset your maternity leave.
Job Security. Your job is protected while you’re on maternity leave. You can’t be deposed just for taking an SSS maternity benefit leave.
Furthermore, the Expanded Maternity Leave Law extends your maternity leave as needed. Instead of the usual 60 days, you can take the full 105 days off. However, not all mothers want to use the full 105 days. Some prefer to return to work sooner because they can earn more money that way.
You can enjoy the SSS Maternity Benefit if you have everything to prove you’re qualified for it. Here is a list of what you must check before filing your claim.
To enjoy the SSS Maternity Benefit, you need to assess eligibility. You must present your expected delivery date. Your OB-Gyne will identify it, but you can compute it.
First, think back to the first day of your last menstrual cycle. Then, count back from that date until the 3 calendar months. Lastly, add up 1 year and 7 days to your expected due date.
For example, your last menstrual period was on July 15, 2021. If you count back three months from that date, it would be April 15, 2021. Afterward, add one year and seven days. Therefore, your expected delivery date is April 22, 2022.
Also, there is another way to calculate your expected due date. Use an online EDD calculator. You can also see the estimated EDD on your ultrasound report.
As long as you present the expected delivery date, you can qualify for the benefits of SSS Maternity.
With the expected delivery month, you can determine which quarter of the year you’d be in. A semester of contingency is two consecutive quarters. It helps decide whether or not you are eligible to receive the SSS Maternity Program.
How? SSS only covers pregnancy with paid contributions over the last 3 to 12 months before the contingency semester.
Look back to our sample of EDD. April 2022 is in the second quarter. Add another quarter before that. Then, your semester of contingency falls from January to June 2022. Therefore, the three monthly contributions must be paid from January to December 2021.
You can apply for the benefit if you have paid at least three (3) monthly contributions. Take note that it must be for the last 12 months before you have had a miscarriage or childbirth.
The calculation of the SSS benefit you will receive will come from the recent contributions you made. Therefore, your previous contributions from the earlier years won’t matter.
Also, you must notify SSS about your pregnancy as soon as possible. You can do this personally or through your employer (if employed).
Taking time before informing SSS might lead to delays. And you wouldn’t want that, right? You need to secure your finances before you give birth. That’s why tell SSS about it as soon as you learn you are pregnant.
You can secure your benefits from SSS if you have all the necessary documents. There are various classifications from which you can base your requirements. From there, you can prepare the documents needed accurately.
SSS Maternity Program requirements depend on the pregnant membership. Check which among these types of membership you fall.
In addition, SSS requires you to present documents based on your maternity status or the method of childbirth.
Also, the SSS Maternity Benefits qualification depends on the marital status of the pregnant member.
It is applicable if the member and the beneficiary of the SSS Maternity subsequently fall under the category of Death or have Permanent Incapacity.
An unemployed female can still get the maternity benefit if she is a voluntary member. If you are unemployed, you will need:
You might ask: “Magkano ang makukuha sa SSS Maternity?” How much can I avail from the SSS Maternity Benefit?
Well, it depends. You must consider several factors, including your average daily salary and pregnancy condition.
You will get your average daily salary credit multiplied by 105 days.
You will get your average daily salary credit multiplied by 60 days.
You will get your average daily salary credit multiplied by 120 days.
Before going to any SSS branch or your HR Department, it is best to know how to calculate how much you will get from the SSS Maternity Benefits. Follow the tips below.
Identify how much you can get from the SSS Maternity Program using the semesters of SSS contingency.
You can check it by counting back from your LMP or the EDD from the ultrasound result.
The basis is on the day of delivery, childbirth, or miscarriage. To get the semester of contingency, you must know the quarter and semester. A quarter means the three (3) consecutive months ending in March, June, September, or December.
A semester means two (2) consecutive quarters ending on your possible delivery date.
It is Quarters 1 & 2, Quarters 2 & 3, Quarters 3 & 4, and Quarters 4 & 1.
Let’s say:
Your OB said you were giving birth in December 2018. Count the months backward to know your semester.
Therefore, your semester of contingency is from July 2018 to December 2018.
Take a look at the SSS Contingency Table.
Count 12 months backward, starting from the month before the semester of contingency.
Since your semester of contingency is from July 2018 to December 2018, count the months backward from June 2018 until you reach 12 months.
Your 12-month period is from July 2017 to June 2018.
Identify the six highest monthly salaries within these 12 months. Then, add them all up. It is your Monthly Salary Credit (MSC).
Let’s go back to the example:
From July 2017 to June 2018, find out how much your highest monthly salary is. Then, get the total of your six highest Monthly Salary Credits.
Take note that the maximum covered earnings or compensation is P16,000. So, even if your salary is higher, your total salary coverage remains at P16,000.
Assuming your six highest monthly salaries are P25,000 each. Then, SSS will only consider P16,000 as your highest MSC.
Then P16,000 + P16,000 + P16,000 + P16,000 + P16,000 + P16,000 =P96,000.
Your total MSC would be P96,000.
Divide the total MSC by 180 days to get the average daily salary credit. It is now your daily allowance.
P96,000 ÷ 180 = P533.33
Your daily maternity allowance would be P533.
Multiply the daily maternity allowance by 105 days (for normal delivery and cesarean section), 60 days (for miscarriage or emergency pregnancy termination), or 120 days (for solo parents).
It is the total of your SSS maternity benefit.
Example for:
Live birth delivery (normal or CS): P533 x 105 days = P55,965
Miscarriage: P533 x 60 days = P31,980
The solo parent: P533 x 120 days = P63,960
If you still need clarification about calculating your SSS Maternity benefits, you may use an online SSS Calculator Maternity. It is the same as using a semester of contingency SSS. The only difference is it’s faster and easier to use.
You may use this link to access the online calculator for SSS Maternity Benefit.
Enter the details, including your EDD and the six highest MSCs during the 12 months before your contingency semester.
View the SSS Maternity Benefit amount suitable for your category—Normal, CS, Solo Mothers, and Miscarriage.
Unlike before, availing of the SSS Maternity Program is more convenient. You don’t have to visit your SSS branch right away. You can begin the journey of your SSS Maternity application online. Here’s how you can do it.
You can see your active membership via the official SSS website.
Count if you have at least three contributions within the 12 months before your semester of contingency. If you prefer to receive the maximum benefit amount, count six months worth the highest SSS contribution. Pay it online via the SSS website if you have no payments within this period.
Employed pregnant members must talk to their HR personnel so they can process the SSS maternity notification.
Pregnant members who are separated from work, self-employed, volunteers, OFWs, kasambahay, or non-working spouses must access their online SSS account. You may submit your maternity notification through the SSS mobile app or the SSS portal.
Important Reminder:
Starting September 2021, SSS branches will no longer accept walk-in applications. You must lodge first to apply for the SSS Maternity Benefits.
Furthermore, the pregnancy notification deadline must not be 60 days from conception but not later than delivery.
You can enroll for DAEM using your SSS online account. The DAEM is an online SSS system that permits members to register their preferred bank account, remittance pay-out company, or e-wallet as their disbursement account for any SSS benefit and loan proceeds.
Once you give birth to your child, present your application online via the SSS official webpage. Take note that claiming the SSS Maternity Benefit is open within the next ten years.
Wait for the SSS Maternity loan amount to be credited to your enrolled bank account.
This year, SSS released an updated version of contributions. Regular employers and employees must comply with it, with 9.5% coming from the employers and 4.5% coming from the employees.
You can get your SSS maternity benefit directly from your employer if you’re a regular employee. But remember, this only works if you’re regularly employed. In the end, your employer will claim the reimbursement from SSS.
So, how soon should you file for maternity leave? Ideally, you should submit your maternity leave application 30 days before your expected delivery date. This gives you enough time to ensure everything is in order, and you’ll receive your benefits when needed.
Step 1. Talk to Your Employer. Discuss your maternity leave with your employer or HR department as a pregnant woman. They will guide you through the process.
Step 2. Visit SSS if Unemployed. You must visit the nearest SSS office if you don’t have an employer. Or, you can ask someone else to make an inquiry on your behalf.
Step 3. Gather Required Documents. These are as follows:
Step 4. Submit Your Application. After completing the Mat1 form and gathering the requirements, submit them to your employer. If you are unemployed, send them directly to SSS.
Step 5. Wait for Notification. Once your application is in, the next step is to wait. An SSS representative will email you to notify you about your payment.
Step 6. Receive Your SSS Maternity Benefit. If employed, your employer will pay you the maternity benefit like your regular salary. Afterward, they’ll get reimbursed by SSS for what they paid you. SSS will send the money to your nominated bank account if you are unemployed.
That’s the whole process for applying for an SSS Maternity Benefit. It’s quick and easy if you have regular SSS monthly contributions.
If you’re a voluntary member of SSS, getting your maternity benefits works differently from those with employers. Here’s how you do it:
Step 1. Notify SSS Early. When you get your first ultrasound, inform the SSS immediately that you’re pregnant. You can do this by filing a Maternity Notification Form (Mat1). This form is available at SSS branches, or in a downloadable file from the SSS website.
Step 2. Submit Initial Requirements. Take the following documents to the nearest SSS branch:
Step 3. SSS will return your Mat1 form with another form attached. This new form will instruct you on the additional requirements you must provide when claiming benefits.
Step 4. Final Submission. Once you completed the supplementary documents, get a Mat2 form from the SSS branch. Fill it out, and submit it along with the other requirements.
Step 5. Wait for the Notification. After you’ve submitted everything, SSS will notify you about the status of your claim within 2-3 weeks.
The SSS maternity benefits are for voluntary members of the SSS. Even though your monthly contribution is lower than those of employed, you can still enjoy the assistance provided by SSS.
If you’re wondering how to calculate your SSS maternity benefits as a voluntary member, the calculation is similar to that of regular employees.
Step 1. Find Your Monthly Salary Credits. Determine how much you’ve been paying to SSS each month. This amount determines your monthly salary credits.
Step 2. Calculate Your Average Daily Salary Credit. Using your monthly salary credits, calculate your daily average amount.
Step 3. Multiply by the Number of Days. Multiply the average daily salary credit by the days you’re approved for maternity leave.
The result is your total maternity benefit. So, figuring out your SSS Maternity Benefit is all about knowing your salary credits. Without this vital detail, you’ll have difficulty determining the amount you’ll receive during your maternity leave.
Applying for SSS maternity benefits online is now possible starting in 2021.
Actively paying SSS members can maximize their contributions through SSS Maternity Benefits.
Step 1. Log in to My.SSS. Go to https://member.sss.gov.ph/. You can sign up for free if you don’t have an account.
Step 2. Navigate to E-services. Once logged in, find the “E-services” tab and click “Submit Maternity Benefit Application.”
Step 3. Read the Reminders. Read through the reminders carefully, then click “Proceed.”
Step 4. Enter Your Information. Fill in the required information and click “Proceed” to validate your details. You’ll also need to confirm your eligibility for the SSS Maternity Benefits.
Step 5. Type of Claim and Account. Choose your Type of Claim and Disbursement Account details, then click “Proceed.”
Step 6. Upload Documents. Upload any supporting documents, such as your medical certificate from your obstetrician. Once you’ve done that, read the certification statement and press “Certify and Submit.”
Step 7. Keep Track of Your Application. Save the general transaction details provided by the system.
Step 8. Check Your Email. Watch for an email notification from SSS regarding the status of your maternity benefit application.
With these steps, you can efficiently process your SSS maternity benefits online, saving you time and effort from going to an SSS office.
Knowing how to compute SSS Maternity is genuinely beneficial. However, there are times when the SSS Maternity Benefit is not enough to adjust for the new baby and your finances. The amount you receive is insufficient to cover all the expenses from pregnancy up to delivery. Plus, you have more expenditures after childbirth.
You can get a personal loan online from Cash Mart anytime if you need more cash. The process is conveniently done online, just like your SSS Maternity Benefit application. You can apply while you are at home taking care of your baby. Once approved, Cash Mart will send your funds straight to your bank account. This can give you the other financial support you need during this critical time.
To qualify for the SSS Maternity Benefit, you must have paid at least three (3) months of contributions within the 12 months. But it must be immediately before the semester of childbirth, miscarriage, or emergency termination of pregnancy.
Any FEMALE SSS member can enjoy the privileges that come with SSS Maternity.
Application for SSS Maternity Benefit is only available online or through the HR Department.
For the online process, you must upload all the required supporting documents for your claim. The SSS personnel will review these. Your successful submission date will be the date of your claim filing.
For employed SSS members, the company’s HR personnel is responsible for processing your SSS Maternity Benefit.
You don’t have to be married to get maternity benefits under the Expanded Maternity Leave Law. If you’re a female worker and have made enough SSS contributions, you can apply for these benefits, regardless of marital status. In addition, it has no connection to whether your child is considered legitimate or not.
You can also apply as a Solo Parent if you’re pregnant and unmarried. You just need to provide the necessary documents to prove your situation. R.A. No. 11210 law is designed to support all mothers, whether they are married or not. This way, each can receive the help they need during and after pregnancy.
No, employers cannot fire an employee because of the 105 days of maternity leave. The law protects you during this time. When you take maternity leave, your job is safe, and your employer must let you return to work after your leave is over.
It’s illegal for your employer to terminate your employment via maternity leave. If they try to do this, you can report them, and they could face penalties. The law ensures you can care for yourself and your baby without worrying about losing your job.
You can’t apply for SSS maternity benefits in person anymore. The SSS has stopped accepting applications over the counter or through drop boxes. Now, everything must be done online.
This means you have to submit your application and all the required documents through the SSS website or their online system. It’s a new rule, so follow it to maximize your benefits without issues.
