How much can you expect from your SSS Maternity Benefit?

Are you planning to have a family soon? Or maybe you’re already pregnant and you want to know how much can you actually get from your SSS Maternity Benefit.

Either way, it’s always a good idea to do your own research about the SSS Maternity Benefit and how it’s computed.

When I gave birth to my daughter in 2013, I received P39,000 from my SSS Maternity Benefit, P19,000 from PhilHealth, and P15,000 from our company maternity benefit.

We paid almost P100,000 for our hospital bills and the benefits that I received, especially my SSS Maternity Benefit, was really a huge help.

In case you’re wondering how I got P39,000 for my SSS Maternity Benefit, here’s how they computed it…

  • P15,000 (Monthly Salary Credit) x 6 / 180 days x 78 days (CS delivery)
  • P15,000 x 6 = P90,000 / 180 = P500 x 78 = P39,000

The computation may look complicated, but don’t worry, I’ll explain more about this later, plus I’ll give you more examples so that it would be easier for you to understand the computation.

What is SSS Maternity Benefit?

The SSS Maternity Benefit is a daily cash allowance that is given by the Philippine Social Security System to a female SSS member who was unable to work due to childbirth or miscarriage. This benefit is not a loan but a cash benefit and it can be availed by the qualified member for her first 4 deliveries or miscarriages.

To qualify the SSS Maternity Benefit, the female SSS member must have:

  • paid at least 3 monthly contributions within the 12-month period prior to the semester of her delivery/childbirth or miscarriage
  • submitted the maternity notification, proof of pregnancy (ultrasound report), and other supporting documents

For employed members, your documents must be submitted to your employer.

For self-employed and voluntary members, your documents must be submitted directly to the SSS branch.

Click here to read: The Expanded Maternity Leave Law Details and Update

How is the SSS Maternity Benefit computed?

Technically, the formula for the SSS maternity benefit is equivalent to 100% of the qualified female SSS member’s average daily salary credit multiplied by 60 days for normal delivery/miscarriage or 78 days for Caesarean Section delivery.

I understand that this formula may seem to be even more complicated, so let us start by defining the terms involved in the computation for the maternity benefit.

Semester of Contingency

It pertains to 2 consecutive quarters including the quarter of the estimated delivery month (of the qualified pregnant SSS member) and the quarter before that. If each quarter consists of 3 months, the semester of contingency includes 6 months. Take note that the counting of the semester of contingency is backward.

  • 1st Quarter of the Year: January, February, March
  • 2nd Quarter of the Year: April, May, June
  • 3rd Quarter of the Year: July, August, September
  • 4th Quarter of the Year: October, November, December

For example, if the estimated delivery date is November 2017, the semester of contingency include the 4th quarter (in which the month of November is part of) and the previous 3rd quarter of the year. This includes the following months:

  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017

Monthly Salary Credit (MSC)

It pertains to the compensation base for SSS contributions and benefits related to the declared total earnings for the month of the SSS member. In the latest SSS Contribution Table below Below, you will find the Monthly Salary Credit on the second column is the latest SSS Table of Contribution 2017 and you will see the MSC on the second column right next to the range of compensation.

So, if you’re earning P5,000 a month, you’re supposed to pay P550 (see the last column) for your monthly SSS contribution and the corresponding monthly salary credit for that is P5,000.

When computing for SSS benefits, they use the Monthly Salary Credit (MSC) and not the Range of Compensation.

sss-maternity-benefit-2017

How to Compute SSS Maternity Benefit (Examples)

In order to illustrate the computation better, we will use three examples of qualified female members and we will find out how much they’re going to get from their SSS Maternity Benefit.

Example 1

Geraldine is an employed SSS member who earns a monthly salary of P17,000. Geraldine started working in May 2016 and her employer remits P1,760 to SSS for her SSS monthly contributions. She is currently pregnant and she’s expecting to deliver her child on December 30, 2017. How much will she get from her SSS Maternity Benefit?

  • Estimated Delivery Date: December 30, 2017
  • Exclude the Semester of Contingency: July 2017, August 2017, September 2017, October 2017, November 2017, December 2017
  • Her SSS Monthly Contributions and corresponding Monthly Salary Credit (MSC) during the 12 months prior to the Semester of Contingency:
    1. June 2017: P1,760 – P16,000
    2. May 2017: P1,760 – P16,000
    3. April 2017: P1,760 – P16,000 
    4. March 2017: P1,760 – P16,000
    5. February 2017: P1,760 – P16,000
    6. January 2017: P1,760 – P16,000
    7. December 2016: P1,760 – P16,000
    8. November 2016: P1,760 – P16,000
    9. October  2016: P1,760 – P16,000
    10. September 2016: P1,760 – P16,000
    11. August 2016: P1,760 – P16,000
    12. July 2016: P1,760 – P16,000
  • Add the 6 highest MSC from her contributions above
    • P16,000 +
    • P16,000 +
    • P16,000 +
    • P16,000 +
    • P16,000 +
    • P16,000 +
    • Total MSC = P96,000
  • Total MSC divided by 180 days
    • P96,000 / 180 = P533.33 (Average Daily Salary Credit)
  • Multiply Daily Salary Credit by 60 Days for Normal Delivery or 78 Days if Caesarian Section Delivery
    • Normal Delivery: P533.33 x 60 days = P32,000
    • Caesarian Section Delivery: P533.33 x 78 days = P41,600

Therefore, Geraldine will get P32,000 if she delivers her baby normally or P41,600 if she delivers via CS delivery.

Example 2

Kimberly is a young housewife who earns P5,000 per month from her online store. She started paying P550 for her SSS contribution in March 2016, but there were months that she missed paying her contributions. She and her husband are expecting their first child around last week of August 2017. How much will she get from her SSS Maternity Benefit?

  • Estimated Delivery Date: last week of August 2017
  • Exclude the Semester of Contingency: April 2017, May 2017, June 2017, July 2017, August 2017, September 2017
  • Her SSS Monthly Contributions and corresponding Monthly Salary Credit (MSC) during the 12 months prior to the Semester of Contingency:
    • 1. March 2017 – P550 – P5,000
    • 2. February 2017 – P550 – P5,000
    • 3. January 2017 – P550 – P5,000
    • 4. December 2016 – P550 – P5,000
    • 5. November 2016 – P0 – P0
    • 6. October  2016 – P0 – P0
    • 7. September 2016 – P0 – P0
    • 8. August 2016 – P550 – P5,000
    • 9. July 2016 – P550 – P5,000
    • 10. June 2016 – P0 – P0
    • 11. May 2016 – P550 – P5,000
    • 12. April 2016 – P0 – P0
  • Add the 6 highest MSC from her contributions above
    • P5,000 +
    • P5,000 +
    • P5,000 +
    • P5,000 +
    • P5,000 +
    • P5,000 +
    • Total MSC = P30,000
  • Total MSC divided by 180 days
    • P30,000 / 180 = P166.66 (Average Daily Salary Credit)
  • Multiply Daily Salary Credit by 60 Days for Normal Delivery or 78 Days if Caesarian Section Delivery
    • Normal Delivery: P166.66 x 60 days = P10,000
    • Caesarian Section Delivery: P166.66 x 78 days = P13,000

Therefore, Kimberly will get P10,000 if she delivers her baby normally or P13,000 if she delivers via CS.

Example 3

In this example, I will use my own story. I worked in the call center for 5 years earning P20,000+ a month. My company consistently remits P1,650 for my monthly contribution to SSS from June 2008 to March 2013. I went on a prolonged leave of absence from April 2013 to April 2014 due to a complicated pregnancy. My SSS contributions stopped since then and I only started paying it again in May 2014. In short, I missed paying my SSS contributions for almost 1 year. I gave birth to my child on December 20, 2016. And like what I mentioned at the beginning of this article, I received P39,000 from my SSS Maternity Benefit and here’s the detailed computation…

  • Estimated Delivery Date: December 20, 2013
  • Exclude the Semester of Contingency: July 2013, August 2013, September 2013, October 2013, November 2013, December 2013
  • My SSS Monthly Contributions and corresponding Monthly Salary Credit (MSC) during the 12 months prior to the Semester of Contingency:
    1. June 2013 – P0 – P0
    2. May 2013 – P0 – P0
    3. April 2013 – P0 – P0
    4. March 2013 – P1,650 – P15,000
    5. February 2013 – P1,650 – P15,000
    6. January 2013 – P1,650 – P15,000
    7. December 2012 – P1,650 – P15,000
    8. November 2012 – P1,650 – P15,000
    9. October 2012 – P1,650 – P15,000
    10. September 2012  – P1,650 – P15,000
    11. August 2012 – P1,650 – P15,000
    12. July 2012 – P1,650 – P15,000
  • Add the 6 highest MSC from her contributions above
    • P15,000 +
    • P15,000 +
    • P15,000 +
    • P15,000 +
    • P15,000 +
    • P15,000 +
    • Total MSC = P90,000
  • Total MSC divided by 180 days
    • P90,000 / 180 = P500 (Average Daily Salary Credit)
  • Multiply Daily Salary Credit by 60 Days for Normal Delivery or 78 Days if Caesarian Section Delivery
    • Normal Delivery: P500 x 60 days = P30,000
    • Caesarian Section Delivery: P500 x 78 days = P39,000

I gave birth via CS delivery and I received P39,000 from my SSS Maternity Benefits (which was the highest or maximum benefit at that time), even though I missed to pay my SSS Contributions from April 2013 to April 2014.

sss-maternity-benefits

How to Apply or Avail of the SSS Maternity Benefit 

1. First, notify your employer (if you’re employed) or SSS directly (if you’re unemployed, self-employed, or voluntary member) about your pregnancy at least 60 days upon conception. Take note that failure to notify SSS may disqualify you for your SSS maternity benefits. You should submit the following documents:

  • SSS Maternity Notification Form 
  • Proof of Pregnancy (Ultrasound Result)
  • UMID or Unified Multi-Purpose ID (If you don’t have one yet, submit 2 other valid IDs with your signature and at least 1 with your picture and date of birth)

2. In order to claim your SSS Maternity Benefit, you need to submit the following documents to your employer if employed, or to SSS directly if not.

  • Maternity Notification Form (must be duly stamped and received by SSS)
  • Maternity Reimbursement Form
  • UMID (If you don’t have one yet, submit 2 other valid IDs with your signature and at least 1 with your picture and date of birth)

*Employed member will get the advance payment of their SSS Maternity Benefit from their employer within 30 days after submitting their application.

*Self-employed and voluntary members, on the other hand, will receive their maternity benefit 1-2 months after their delivery.

3. There is a 10-year prescriptive period to claim the SSS Maternity Benefit provided you have submitted your Maternity Notification Form and Ultrasound Report during your pregnancy.

4. You can avail of the SSS Maternity Benefit up to 4 deliveries/miscarriages only.

The Expanded Maternity Leave Law of 2017

Many people have been asking me about this and while it seems to be a good news since this bill has been signed in the Senate on March 6, 2017, no one can avail of this as of yet. Why?  Because it has yet to be reviewed and signed by the House of Representatives, and it has yet to be approved and signed by President Duterte.

Let’s hope this law will be implemented soon so that the qualified moms can enjoy the proposed 120 days leave or 150 days leave for the single moms. The dads (or relatives) may also have the chance to avail of the 30-day paternity leave once this bill is signed.

Read our previous article to know more about SSS Maternity Benefit Application.

And click here to read: The Expanded Maternity Leave Law Details and Update

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Comments

  1. What is the reason of disapprove sss maternity???

    • One reason could be that you didn’t inform SSS early about your pregnancy.
      You may also ask SSS directly as to why your maternity benefit application was disapproved.

  2. hi po ask ko lang po kung 3 months lang po ang hulog ko sa sss makakakuha po ba ako ng maternity loan ?

  3. Hi may i ask when will be the implementation of this revised maternity leave benefi and also may i ask how to compute for the updated benefit if my wife will take a leave for 120 days. Thank you

    • We can’t tell kung kelan ito maiimplement dahil hindi pa naman ito approved. Antayin na lang po natin. We will also update this post once na mapproved or may update na sa bill na ito.

  4. Ang pagcompute po ba sa maternity/miscarriage benefit sa SSS ay based sa actual na leave or 60 days talaga?… Hindi kasi nakasaad sa SSS eh kung pumasok na agad si employee kahit wala pang 60days na leave. Thanks

    • it’s only either 60 days pag normal delivery, or 78 days pag CS. it doesn’t matter po kung mas mabilis/maaga kayong nkabalik sa work.

  5. Is UMID a requirement to claim this benefit?

  6. SUMMER SHINE SAI says:

    WHAT IF THIS YEAR LANG PO AKO NAG STAT MAG BAYAD NG SSS KASI BAGO PA PO AKO…NUNG JANUARY PA PO..THEN MANGANAK PO AKO THIS JUNE OR JULY..PWEDE PO BA AKO MAG APPLY NG MATERNITY LEAVE? MAY MAKUKUHA PO BA AKO? PLEASE PAK SAGOT PO..SALAMAT.

  7. Myka plata says:

    Gano po katagal makukuha ung maternity benefits po kung na file kona ito sa sss ung mat 2 at bnigyan naren aq ng atm card ng Union bank gAano po kaya katagal …

  8. hello po tanung ko lng po i paid for my sss maternity this year 2018 for apri,l may, and june, and my due date is oct.1st.. how much yung benefit na makukuha ko po for normal delivery and cs sa hospital pls respond

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