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SSS Maternity Benefits - FAQs

Is the Amount for Miscarriage Maternity Benefits the Same as Full-Term Delivery?

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Is the Amount for Miscarriage Maternity Benefits the Same as Full-Term Delivery?

Many SSS members are surprised to learn that not all maternity benefits are the same—the number of days paid depends on the pregnancy outcome. If you’ve experienced a miscarriage, you might be wondering:

“Pareho lang ba ng makukuha ko kung full-term delivery?”

This question is very important because the difference can mean tens of thousands of pesos in benefits. Understanding the exact computation for miscarriage will help you file correctly and set realistic expectations.

Difference Between Miscarriage and Full-Term Delivery Benefits

Number of Days Paid

Pregnancy OutcomePaid DaysFormula Used
Full-term delivery105 daysADSC Ă— 105 days
Miscarriage / Emergency termination60 daysADSC Ă— 60 days
  • ADSC = Average Daily Salary Credit
  • Fewer days means a lower total benefit for miscarriage compared to a live birth.

Example Computation

Let’s say your Average Monthly Salary Credit (AMSC) is ₱20,000:

  1. ADSC = ₱20,000 ÷ 30 = ₱666.67
  2. Full-term delivery = ₱666.67 × 105 = ₱70,000
  3. Miscarriage = ₱666.67 × 60 = ₱40,000

Difference: ₱30,000 less for miscarriage.

đź’ˇ You can avoid manual math and instantly see your expected amount with the SSS Maternity Benefits Calculator for Miscarriage.

Why Is the Amount Lower for Miscarriage?

  • SSS bases payment on the number of days allowed by law.
  • The Maternity Leave Law (RA 11210) grants fewer leave days for miscarriage (60 days) compared to full-term (105 days).
  • This applies whether you are employed, self-employed, voluntary, or OFW.

What If You Expected the Full-Term Amount But Got Less?

Potential Causes

  • You had a miscarriage but your MAT-2 documents indicated miscarriage instead of live birth.
  • Your employer or SSS computed based on 60 days instead of 105.
  • You misunderstood the law’s coverage.

How to Solve It Yourself

  • Double-check your documents—if your hospital report states miscarriage, SSS will use the 60-day rule.
  • Recompute your benefit using your salary credits to verify accuracy.
  • If there’s a clear computation error, request a recomputation at your SSS branch.

If It Still Can’t Be Fixed

  • If the benefit is correct according to law, the amount can’t be increased.
  • Focus instead on ensuring all your future pregnancies are filed early with MAT-1 to avoid delays or missed days.

Key Steps to Claim Miscarriage Benefits Correctly

  1. File MAT-1 early (even before confirming the outcome).
  2. Keep medical proof—histopathology, ultrasound, or medical certificate.
  3. File MAT-2 with complete documents.
  4. Track your claim status on My.SSS.

TL;DR (Too Long; Didn’t Read)

  • Miscarriage benefits are not the same as full-term benefits.
  • Miscarriage = 60 days Ă— ADSC; Full-term delivery = 105 days Ă— ADSC.
  • You can check your exact expected amount with the SSS Maternity Benefits Calculator for Miscarriage.
  • Law-based difference, not an SSS error.

FAQs

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

2. Can I get 105 days even if I had a miscarriage?
No, the law specifies 60 days for miscarriage or emergency termination.

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

4. What if I filed my MAT-1 late?
You can still claim, but file it together with MAT-2 and complete documents.

5. Can I use the same calculator for full-term and miscarriage cases?
Yes, but use the miscarriage calculator for 60-day computations to avoid confusion.

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