How to Compute SSS Maternity Benefits for Voluntary Members
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How to Compute SSS Maternity Benefits for Voluntary Members?
Becoming a mother for the first time is both exciting and overwhelming. Aside from preparing for your baby’s arrival, you also need to think about your finances during maternity leave. This is where the SSS Maternity Benefits come in — a financial support from the Social Security System (SSS) to help mothers recover and care for their newborn.
If you’re a voluntary member (self-employed, freelancer, OFW, or even a former employed member who continues contributions), the good news is: you can also claim maternity benefits as long as you meet the requirements. This guide will help you understand what SSS Maternity Benefits are, how to compute them, and the exact steps to apply.
What Are SSS Maternity Benefits?
SSS Maternity Benefit is a cash allowance given to a qualified female member who is unable to work due to childbirth, miscarriage, or emergency pregnancy termination.
It’s not a loan — it’s a benefit you’re entitled to as long as you’ve paid enough contributions.
It is deposited directly to your bank account or through your registered disbursement account.
Voluntary members get the same computation and days of leave as employed members.
Who Are Considered Voluntary Members?
Voluntary members are those who are not employed by a company but still pay SSS contributions on their own. Examples:
Self-employed (online sellers, small business owners)
Freelancers and gig workers (writers, designers, ride-hailing drivers)
OFWs (Overseas Filipino Workers)
Former employed members who continue contributing voluntarily
SSS Maternity Benefits Eligibility for Voluntary Members
To qualify, you must meet the following:
At least 3 monthly contributions within the 12-month period before the semester of childbirth/miscarriage.
Notification to SSS of your pregnancy (done online through My.SSS or over-the-counter at an SSS branch).
Must have paid contributions as a voluntary member before delivery.
Pregnancy must not be terminated due to voluntary abortion.
👉 Tip: Always keep your contributions updated. Even a single missed quarter can affect your eligibility.
How Many Days of Leave Are Covered?
The number of days depends on your 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 (for normal or C-section)
How to Compute SSS Maternity Benefits
The formula is actually simple:
Daily Maternity Allowance = (Average Monthly Salary Credit Ă· 180) Ă— 100% Total Maternity Benefit = Daily Maternity Allowance Ă— Number of Days
Step 1: Identify the Semester of Contingency
Example: If you’re due in December 2025, the semester is July–December 2025.
SSS will look at your contributions 12 months before this semester (July 2024–June 2025).
Step 2: Check Your Posted Contributions
Count if you have at least 3 monthly contributions during this period.
Step 3: Get Your Average Monthly Salary Credit (AMSC)
Add your highest 6 monthly contributions within the 12-month period.
Divide the total by 6 → that’s your AMSC.
Step 4: Compute Daily Maternity Allowance
AMSC Ă· 30 = Daily Maternity Allowance.
Step 5: Multiply by Number of Days
Daily Maternity Allowance Ă— 60, 105, or 120 (depending on delivery type).
Example Computation
Let’s say Maria, an online seller and voluntary SSS member, is due in December 2025.
She regularly pays ₱1,500 per month, which corresponds to a Monthly Salary Credit (MSC) of ₱10,000.
Step 1: Determine the 12-month period before the semester of contingency
Expected delivery: December 2025 → Semester of contingency: July–December 2025
12-month reference period: July 2024 – June 2025
Step 2: Check if Maria has paid at least 3 contributions within this period
Assume she paid all 12 months at MSC ₱10,000 → she qualifies.
Step 3: Compute Average Monthly Salary Credit (AMSC)
AMSC = ₱10,000
Step 4: Compute Daily Maternity Allowance
₱10,000 ÷ 30 = ₱333.33/day
Step 5: Multiply by applicable number of days
Normal Delivery (105 days) → ₱333.33 × 105 = ₱35,000
Solo Parent with Normal/Cesarean (120 days) → ₱333.33 × 120 = ₱40,000
Special Case: Maria pays only 6 months at ₱10,000 MSC
If Maria only paid 6 months of contributions within July 2024 – June 2025 (instead of the full 12 months), she still qualifies because the minimum requirement is 3 months of contribution.
Her AMSC is still ₱10,000, since the benefit is based on the contributions actually posted during the reference period.
The computation of daily allowance and benefits remains the same:
Normal/Cesarean → ₱35,000
Miscarriage/ETP/Stillbirth → ₱20,000
Solo Parent → ₱40,000
✅ As long as Maria pays at least 3 months within the 12-month period, she will receive maternity benefits based on her MSC, even if she didn’t pay the full 12 months.
đź“ť Quick Reference Table
Case
Days
Computation
Total Benefit
Normal Delivery
105
₱333.33 × 105
₱35,000
Cesarean Delivery
105
₱333.33 × 105
₱35,000
Miscarriage / Stillbirth / ETP
60
₱333.33 × 60
₱20,000
Solo Parent (Normal or C-section)
120
₱333.33 × 120
₱40,000
Try the SSS Maternity Benefits Calculator
If math isn’t your thing, don’t worry! You can use this free tool to check your expected benefits instantly:
