Will My Employer Pay Me in Advance for Miscarriage Maternity Benefits?
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Will My Employer Pay Me in Advance for Miscarriage Maternity Benefits?
If you’ve suffered a miscarriage, the physical and emotional toll is already heavy—worrying about your SSS benefits shouldn’t add to that burden. One of the most common questions I hear from members is:
“For miscarriage maternity benefits, will my employer still pay me in advance, or do I have to wait for SSS to release it?”
This matters because timely payment helps you cover medical costs and take the rest you need. Let’s break down the rules, processes, and solutions so you know exactly what to expect.
Understanding the Law on Advance Payment
Under the SSS Maternity Benefitⓘ Program and the Expanded Maternity Leave Law (RA 11210):
Yes – If you are employed, your employer must pay your maternity benefit in advance, even for miscarriage cases.
The employer will later reimburse the amount from SSS after they file your claim.
How It Works for Miscarriage Cases
Step-by-Step Process:
Notify Employer – Submit your MAT-1 form (or MAT-1 + MAT-2 if miscarriage already happened).
Submit Proof of Miscarriage – This could be:
confinement periodⓘ, and the member’s inability to work. For sickness benefits, thi?" title="A medical certificate is a formal document issued by a licensed physician stating the diagnosis, confinement period, and the member’s inability to work. For sickness benefits, thi?">Medical certificateⓘ
Histopathology report
Ultrasound report
Employer Pays You in Advance – They must pay 60 days worth of your maternity benefit (Average Salary Creditⓘ (ADSC) is the average value used to compute daily SSS benefits, including sickness and maternity claims. It is derived from the six highest Monthly?" title="The Average Daily Salary Credit (ADSC) is the average value used to compute daily SSS benefits, including sickness and maternity claims. It is derived from the six highest Monthly?">Daily Salary Creditⓘ Ă— 60).
Employer Files Reimbursement with SSS – They get the money back from SSS after approval.
💡 Example: If your ADSC is ₱900: ₱900 × 60 days = ₱54,000 advance payment from your employer. You can check your exact expected amount using the SSS Maternity Benefits Calculator for Miscarriage.
Common Reasons Why Employers Delay or Refuse Advance Payment
They are unaware of the law – Some think advance payment only applies to live births.
Incomplete documents from employee – Missing MAT forms or medical proof.
Cash flow problems – The employer may claim they cannot release funds until SSS reimburses them.
How to Solve the Issue Yourself
1. Educate Your Employer
Show them the SSS Maternity Benefit guidelines stating advance payment is mandatory for all pregnancy outcomes, including miscarriage.
2. Submit Complete Requirements Early
MAT-1 or MAT-2
Proof of miscarriage
Valid ID
3. Use the Calculator as Proof
Show them the computation so they know the exact amount they need to advance.
If You’ve Tried Everything and It Still Doesn’t Work
File a complaint with SSS through the nearest branch or via My.SSS.
Bring proof of your employment, contributions, and communication with your employer.
SSS can directly coordinate with your employer to ensure compliance.
TL;DR (Too Long; Didn’t Read)
Yes, your employer must advance your SSS maternity benefits even for miscarriage cases.
You are entitled to 60 days worth of pay (ADSC Ă— 60).
The employer will later get reimbursed by SSS.
If they refuse, submit complete docs, educate them, or file a complaint with SSS.
