SSS Maternity Benefit Calculator 2026
Accurate for delivery and miscarriage cases from 2023 to 2026
Updated May 2026 - Supports delivery, CS, solo parent, miscarriage, and stillbirth cases.
Estimate your SSS maternity benefit in under 30 seconds.
Enter your expected delivery or miscarriage date, member type, and Monthly Salary Credits. This calculator will show your qualifying period, estimated benefit amount, and average daily salary credit.
Includes step-by-step SSS maternity benefit computation, qualifying period explanation, and real examples.
Step 1: Member Type & Maternity Case
Step 2: Enter Expected Due Date Enter Date of Miscarriage (From Medical Certificate)
Semester of Contingency
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Qualifying Period
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Step 3: Enter Your MSC or Contribution
Your Estimated SSS Maternity Benefit
₱0
Average Daily Salary Credit ₱0
Need filing steps? Read the full SSS maternity filing guide .
Still Short on Hospital Budget?
Many Filipino parents use a credit card to manage delivery expenses while waiting for SSS maternity benefits.
Apply for a UnionBank Credit CardAfter You Calculate: What Happens Next?
Your estimate is not yet the final SSS-approved amount. Final approval still depends on posted contributions, MAT-1/MAT-2 filing, document validation, and bank or employer processing.
How SSS Maternity Benefit Is Computed
This calculator follows the official SSS formula. For manual computation, examples, and common mistakes, see our guide on how to compute SSS maternity benefits manually .
SSS maternity benefit is computed using your posted contributions, not your current salary. Below is the simplified step-by-step method used by SSS.
Step 1: Identify your highest 6 Monthly Salary Credits (MSC)
SSS considers the six (6) highest Monthly Salary Credits within your twelve (12) month Qualifying Period before your Period of Contiquency which is based on you delivery or miscarriage date.
Step 2: Compute your Average Daily Salary Credit (ADSC)
Your ADSC is calculated using this formula:
Average of 6 highest MSC of the Qualifying Period / 30
This represents your estimated daily salary credit.
Step 3: Multiply by the number of maternity leave days
Your ADSC is multiplied by the applicable maternity leave duration:
- 105 days - Normal delivery or Cesarean section
- 120 days - Solo Parent
- 60 days - Miscarriage or ectopic pregnancy
Step 4: Estimated SSS maternity benefit
The final amount shown is an estimate. Actual benefits are subject to SSS validation of posted contributions and eligibility.
Who Is Qualified for SSS Maternity Benefit?
You may qualify for SSS maternity benefits if you meet all of the following conditions under official SSS rules.
- You are an SSS member: Employed, self-employed, voluntary, or OFW members may qualify.
- At least three (3) monthly contributions: You must have paid at least 3 monthly contributions within the 12-month period before your semester of contingency.
- Proper maternity notification: For employed members, maternity notification must be submitted through the employer before delivery.
- Within allowable filing period: Claims must be filed within the period allowed by SSS rules.
Qualification and final approval are still subject to SSS verification of contributions and records.
Still Short on Hospital Budget?
Many Filipino parents use a credit card to manage delivery expenses while waiting for SSS maternity benefits.
Apply for a UnionBank Credit CardSSS Maternity Benefits - Frequently Asked Questions
👉 Complete SSS maternity benefits FAQ & computation guide
👉 See full computation and examples
👉 Check full eligibility requirements