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SSS Maternity Benefits Calculation

How to Compute SSS Maternity Benefits for Self-Employed Members

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How to Compute SSS Maternity Benefits for Self-Employed Members?

Becoming a mother is a life-changing experience — but along with the joy comes financial responsibility. For self-employed moms in the Philippines, every day without work means no income. That’s why the SSS Maternity Benefits are such a big help.

Good news: self-employed members are entitled to the same maternity benefits as employed members — as long as you keep your contributions updated. In this guide, we’ll explain what SSS Maternity Benefits are, how to compute them, the requirements, and how to apply step-by-step.

Whether you’re an online seller, small business owner, freelancer, or professional (like doctors, lawyers, or accountants), this article is designed to help you clearly understand the process.

What Are SSS Maternity Benefits?

SSS Maternity Benefit is a cash allowance given to qualified female members who cannot work due to childbirth, miscarriage, or emergency pregnancy termination.

  • It’s not a loan — it’s a benefit you’ve earned through your contributions.
  • Money is sent directly to your bank account enrolled under DAEM (Disbursement Account Enrollment Module).
  • Computation and benefit length are the same for employed, voluntary, and self-employed members.

Who Are Considered Self-Employed Members?

Self-employed members are individuals earning income from their own business or profession. Examples include:

  • Online sellers and small store owners
  • Freelancers and independent contractors (writers, designers, coders, delivery riders)
  • Professionals (doctors, lawyers, engineers, consultants)
  • Entrepreneurs with registered businesses

Unlike employees, you are responsible for paying your own monthly SSS contributions.

Eligibility Requirements for Self-Employed Members

To qualify for maternity benefits, you need to meet these conditions:

  1. At least 3 monthly contributions within the 12 months before the semester of childbirth/miscarriage.
  2. Must have filed a Maternity Notification (through My.SSS or at a branch).
  3. Must be an active contributor before your due date.
  4. Pregnancy should not end in voluntary abortion.

👉 Pro Tip: Pay your contributions on time. For self-employed members, missed payments cannot be back-paid.

How Many Days of Leave Are Covered?

Here’s how many days SSS will pay, depending on the pregnancy outcome:

  • Normal Delivery → 105 days
  • Cesarean Delivery → 105 days
  • Miscarriage, Stillbirth, or Early Termination → 60 days
  • Single Parent (SOLO Parent ID Holder) → 120 days (normal or C-section)

How to Compute SSS Maternity Benefits for Self-Employed Members

The formula is straightforward:

Daily Maternity Allowance = Average Daily Salary Credit (ADSC)
Total Maternity Benefit = ADSC Ă— Number of Days

Step 1: Determine the Semester of Contingency

  • Example: If your due date is October 2025, your semester is July–December 2025.
  • SSS will check your contributions from July 2024–June 2025.

Step 2: Count Your Contributions

  • You need at least 3 contributions within that period.

Step 3: Compute Your Average Monthly Salary Credit (AMSC)

  • Add your highest 6 monthly contributions in that period.
  • Divide by 6 = AMSC.

Step 4: Compute Average Daily Salary Credit (ADSC)

  • AMSC Ă· 30 = ADSC.

Step 5: Multiply by Number of Days

  • ADSC Ă— 60, 105, or 120 (depending on delivery type).

Example Computation (MSC = ₱13,500)

If you pay a premium of ₱2025 you will have an associated MSC of ₱13,500. This MSC used for the calculation.

Step 1 — AMSC (Average Monthly Salary Credit): ₱13,500

Step 2 — Daily Salary Credit (DSC):
DSC = AMSC Ă· 30
DSC = ₱13,500 ÷ 30 = ₱450 / day

Step 3 — Multiply by number of covered days

  • Normal / Cesarean delivery (105 days):
    ₱450 × 105 = ₱450 × (100 + 5) = ₱45,000 + ₱2,250 = ₱47,250
  • Miscarriage / Stillbirth / ETP (60 days):
    ₱450 × 60 = ₱27,000
  • Single parent (120 days):
    ₱450 × 120 = ₱450 × (100 + 20) = ₱45,000 + ₱9,000 = ₱54,000

Quick table

CaseDaysCalculationTotal
Normal / Cesarean105₱450 × 105₱47,250
Miscarriage / ETP / Stillbirth60₱450 × 60₱27,000
Solo Parent (Normal/C-section)120₱450 × 120₱54,000

Use the SSS Maternity Benefits Calculator

Doing the math can get confusing. To make things easier, you can try this tool:

👉 SSS Maternity Benefits Calculator

Just enter your expected delivery date and contributions, and it will instantly compute your estimated benefit.

Step-by-Step: How Self-Employed Members Apply for SSS Maternity Benefits

Step 1: File Maternity Notification

  • Log in to My.SSS → Submit Maternity Notification.
  • Upload proof of pregnancy (ultrasound or doctor’s note).

Step 2: Prepare Your Requirements

  • Valid government-issued ID
  • Proof of pregnancy
  • Bank account enrolled in DAEM
  • If filing at a branch → Maternity Notification Form

Step 3: Submit Application

  • Apply online via My.SSS portal, OR
  • Visit your nearest SSS branch.

Step 4: Wait for Processing

  • Processing takes about 10–15 working days.
  • Payment will be credited directly to your bank account.

Common Issues and How to Solve Them

  • Did not receive payment yet? → Check your My.SSS account for approval status.
  • Rejected application? → Review if you had enough contributions or if documents are incomplete.
  • Bank disbursement failed? → Update your bank details in DAEM.
  • Missed contributions? → Unfortunately, late or back payments are not counted for maternity.

TL;DR (Quick Summary)

  • Self-employed moms are entitled to SSS maternity benefits if they’ve paid at least 3 contributions in the required period.
  • Normal and Cesarean Delivery → 105 days, Miscarriage/Stillbirth → 60 days, Solo Parent → 120 days.
  • Formula: Average Daily Salary Credit Ă— Number of Days.
  • Apply through My.SSS or at an SSS branch.
  • Use the 👉 SSS Maternity Benefits Calculator for faster computation.

FAQs About SSS Maternity Benefits for Self-Employed Members

1. Can self-employed members really claim SSS maternity benefits?
Yes, as long as you have at least 3 contributions in the 12-month period before your due semester.

2. How much will I receive?
It depends on your contribution amount. Higher contributions = bigger benefits.

3. Do I need an employer to file for me?
No. Since you’re self-employed, you file directly with SSS.

4. How long does processing take?
Usually 10–15 working days after approval.

5. Can I still apply if I gave birth already?
Yes, but only if you filed your maternity notification before delivery.

6. What if I miss a payment?
Missed payments won’t count toward eligibility, so make sure to pay on time.

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