How Much Will I Get for SSS Maternity Benefits If I Had a Miscarriage?
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How Much Will I Get for SSS Maternity Benefits If I Had a Miscarriage?
Losing a pregnancy is an emotionally heavy experience, and on top of that, the paperwork for claiming your SSS maternity benefits can feel overwhelming. One of the most common questions I hear from members is:
“Magkano po ang makukuha ko kung miscarriage ang case ko?”
The good news is, SSS provides financial assistance for miscarriage cases—though the amount is different from normal delivery claims. Knowing exactly how much you’re entitled to will help you prepare your documents and manage your expectations.
How SSS Computes Maternity Benefits for Miscarriage
Short Answer
For miscarriage, SSS pays 60 days worth of your average daily salary credit (ADSC), not the 105 days given for live childbirth.
Formula:
Maternity Benefit = ADSC Ă— 60 days
Step-by-Step Computation Example
Identify your Average Monthly Salary Credit (AMSC)
Take the highest 6 monthly salary credits in the 12 months before your semester of contingency (miscarriage date).
Convert AMSC to ADSC
ADSC = AMSC Ă· 30
Multiply ADSC by 60 days
Example:
Average Monthly Salary Credit: ₱20,000
ADSC = ₱20,000 ÷ 30 = ₱666.67
Maternity Benefit = ₱666.67 × 60 days = ₱40,000
Eligibility Requirements for Miscarriage Maternity Benefits
At least 3 monthly contributions within the 12-month period before your semester of contingency.
Filing of MAT-1 (Maternity Notification) before miscarriage OR together with MAT-2 if late.
Complete medical documents:
Medical certificate
Histopathology report (if D&C was done)
Ultrasound report (if available)
Common Causes of Lower or Rejected Benefits
Incomplete contributions – Missing payments in the qualifying period.
Incorrect computation by employer or member – Using wrong months for AMSC.
Incomplete documents – Missing medical reports or forms.
No MAT-1 filed – Forgetting maternity notification.
How to Maximize Your Benefit
Check your contributions regularly on My.SSS.
File MAT-1 early even if you’re not sure yet about your pregnancy outcome.
Keep copies of all medical records in case of sudden miscarriage.
Verify your computation with the official SSS table or the miscarriage calculator linked above.
What to Do If You Think Your Amount Is Incorrect
Step 1: Recompute using your contribution history. Step 2: Compare with the amount SSS paid. Step 3: If incorrect, file a request for recomputation at the SSS branch with proof. Step 4: If still unresolved, submit a written appeal to the SSS Commission.
TL;DR (Too Long; Didn’t Read)
Miscarriage cases get 60 days worth of your average daily salary credit.
Missing documents or contributions can reduce or delay your benefit.
FAQs
1. How many days does SSS pay for miscarriage cases? 60 days only, compared to 105 days for normal delivery.
2. Do I still need to file MAT-1 for miscarriage? Yes, file before miscarriage if possible; otherwise, file together with MAT-2.
3. Can I still get the benefit if I had a miscarriage years ago? Yes, as long as you file within 10 years from the date of contingency.
4. What documents are required for miscarriage claims? Medical certificate, histopathology report (if applicable), ultrasound report, and completed MAT-1 and MAT-2 forms.
5. Is the computation different if I’m self-employed? No, the formula is the same for employed, self-employed, and voluntary members.
