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SSS Maternity Benefits - FAQs

How Is the Maternity Benefit Computed for Miscarriage?

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How Is the Maternity Benefit Computed for Miscarriage?

For many SSS members, a miscarriage is not only an emotional challenge but also a financial one. If you’re employed, self-employed, or a voluntary member, you’re entitled to SSS maternity benefits—but the computation for miscarriage is different from a full-term delivery.

Understanding exactly how SSS computes your benefit will help you know what to expect, file your claim properly, and avoid disappointment or confusion later on.

The Basic Formula for Miscarriage Maternity Benefits

SSS uses the following formula for miscarriage cases:

Maternity Benefit = Average Daily Salary Credit (ADSC) Ă— 60 days

Why 60 days?

  • Under RA 11210 (Expanded Maternity Leave Law), miscarriage or emergency termination of pregnancy grants 60 days of paid leave, not the 105 days granted for live births.

Step-by-Step Computation

Step 1 – Determine your Average Monthly Salary Credit (AMSC)

  • Look at your last 12 months of posted contributions before the semester of contingency.
  • Get the highest six monthly salary credits.
  • Add them up, then divide by 180 to get your Average Daily Salary Credit (ADSC).

Step 2 – Multiply by 60 days

Since miscarriage benefits cover only 60 days, multiply your ADSC by 60.

Example Computation

Let’s say:

  • Your 6 highest monthly salary credits = ₱20,000 each.
  1. ADSC = ₱20,000 ÷ 30 = ₱666.67
  2. Maternity Benefit for Miscarriage = ₱666.67 × 60 = ₱40,000

đź’ˇ To avoid manual computation, you can instantly see your expected amount using the SSS Maternity Benefits Calculator for Miscarriage.

Why Miscarriage Benefits Are Lower Than Full-Term

  • Full-term delivery = 105 days Ă— ADSC
  • Miscarriage = 60 days Ă— ADSC
  • The shorter leave period is defined by law, not SSS discretion.

Common Causes of Confusion

  1. Expecting full-term amount – Some members think all maternity claims are for 105 days.
  2. Wrong ADSC computation – Errors in posted contributions can lower your benefit.
  3. Incomplete documents – Missing medical proof can delay approval.

How to Solve Issues with Computation

If Your Benefit Seems Too Low:

  • Check your posted contributions on My.SSS.
  • Ensure the correct salary credit was used.
  • Verify the medical certificate clearly states miscarriage.

What You Can Do Yourself:

  • Recompute using the SSS formula.
  • Use the online calculator for confirmation.
  • Request a recomputation if there’s a clear discrepancy.

If It Still Can’t Be Fixed:

  • If the amount matches the legal computation for miscarriage, the figure is final.
  • Focus on ensuring timely filing and accurate salary postings for future claims.

TL;DR (Too Long; Didn’t Read)

  • Formula for miscarriage maternity benefit: ADSC Ă— 60 days.
  • ADSC = Average Monthly Salary Credit Ă· 30.
  • Lower than full-term because the law grants only 60 days for miscarriage.
  • Use the SSS Maternity Benefits Calculator for Miscarriage for quick results.

FAQs

1. How many days does SSS pay for miscarriage maternity benefits?
60 days only, as per RA 11210.

2. Is the computation the same for employed and self-employed members?
Yes, the formula is the same for all covered members.

3. Can I still get benefits if I didn’t file MAT-1 before miscarriage?
Yes, but you must file MAT-1 and MAT-2 together with complete documents.

4. What documents are needed for miscarriage claims?
Medical certificate, histopathology or ultrasound, MAT-1, MAT-2, and proof of contributions.

5. Will SSS ever give 105 days for miscarriage?
No, the 105-day benefit applies only to live births, regardless of delivery method.

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