Example: SSS Voluntary Member With MSC of PHP 5,000 Monthly (2026 Computation)
/
Example: Voluntary Member With MSC of PHP 5,000 Monthly (2026 Computation)
If you’re a voluntary SSS member and with MSC of ₱5,000 per month in contributions, you might be wondering: “How much maternity benefit can I actually receive in 2026?”
Good question — and you’re not alone. Many former employees, freelancers, and self-employed women continue their payments as voluntary members to stay eligible for SSS maternity benefits. This article will walk you through exactly how your ₱5,000 monthly contribution translates into maternity cash benefits — complete with examples, tables, and easy-to-follow calculations.
🌸 Why SSS Maternity Benefits Matter (Even for Voluntary Members)
The SSS Maternity Benefit is a cash allowance granted to female members who can’t work due to childbirth, miscarriage, or emergency termination of pregnancy.
Even if you’re no longer employed, you’re still eligible as long as you continue paying your SSS contributions voluntarily. This means freelancers, small business owners, or stay-at-home moms with voluntary payments can still receive the same maternity cash benefit as employed women.
💡 Example Focus: Voluntary Member With MSC of ₱5,000 Monthly in 2026
Let’s use a ₱5,000 monthly contribution to represent the minimum MSC (Monthly Salary Credit) level for voluntary members in 2026.
📘 Key Facts:
Contribution Amount: ₱750/month
Monthly Salary Credit (MSC): ₱5,000
Type of Delivery: Normal Delivery (105 days benefit)
Status: Voluntary Member
📅 Step 1: Determine the Qualifying Period
Your qualifying period is the 12-month period before your semester of contingency (the 6 months covering your EDD and the quarter before it).
For example:
EDD (Expected Delivery Date)
Semester of Contingency (Excluded)
12-Month Qualifying Period
August 2026
Q3 2026 + Q2 2026
April 2025 – March 2026
This means your qualifying period is April 2025 to March 2026, and you must have at least 3 paid contributions within that time.
🧮 Step 2: Compute the Average Daily Salary Credit (ADSC)
The SSS formula is simple:
Average Daily Salary Credit (ADSC) = AMSC ÷ 30
Since you’re paying ₱5,000 as your Monthly Salary Credit (MSC):
₱5,000 ÷ 30 = ₱166.67 per day
🍼 Step 3: Compute the Maternity Benefit
Now multiply your ADSC by the number of days allowed for your delivery type:
Type of Delivery
Days Covered
Formula
Total Benefit
Normal/Cesarean
105 days
₱166.67 × 105
₱17,500.35
Solo Parent (Normal/Cesarean)
120 days
₱166.67 × 120
₱20,000.40
Miscarriage/ETP
60 days
₱166.67 × 60
₱10,000.20
✅ So if you’re paying ₱5,000 MSC monthly, your maternity benefit in 2026 will be roughly ₱17,500 for a normal delivery.
📊 Step 4: Check the Minimum MSC Table for Voluntary Members (2026)
Here’s how ₱5,000 compares with other contribution levels:
Compensation Range
Regular MSC
MPF
Total MSC
Regular SS Amount (₱)
MPF (₱)
Total (₱)
Below ₱5,250
₱5,000
₱0
₱5,000
₱750
₱0
₱750
₱10,000 – ₱10,249.99
₱10,000
₱0
₱10,000
₱1,500
₱0
₱1,500
₱15,000 – ₱15,249.99
₱15,000
₱0
₱15,000
₱2,250
₱0
₱2,250
₱20,000 – ₱20,249.99
₱20,000
₱0
₱20,000
₱3,000
₱0
₱3,000
📌 Reminder: Even if you pay ₱35,000 with MPF, SSS only considers up to ₱20,000 MSC for maternity benefit computation.
So while ₱5,000 is the minimum, choosing a higher MSC (like ₱10,000 or ₱15,000) can double or triple your benefit amount.
💬 Real-Life Example: Leah from Iloilo
Leah, a first-time mom and market vendor, started paying her voluntary contribution in early 2025. Her Expected Delivery Date (EDD) was August 2026, and she consistently paid ₱750/month (₱5,000 MSC) for over a year.
Qualifying Period: April 2025 – March 2026
Delivery Type: Normal (105 days)
Total Benefit: ₱17,500
She received her full cash benefit a few weeks after filing, which helped her buy essentials and cover hospital bills.
💡 “Hindi ko akalaing makakatulong talaga ‘yung SSS kahit di na ako employed,” Leah shared.
🧾 Step-by-Step Filing Guide for Voluntary Members
Log in to My.SSS and submit your Maternity Notification before giving birth.
Upload medical documents (ultrasound, medical certificate, etc.).
Ensure your membership type is Voluntary (not inactive).
Pay your monthly contributions on time through online apps, SSS counters, or Bayad centers.
File your Maternity Benefit Application within 10 years from your delivery date (though earlier is best).
💡 How to Increase Your Benefit
If you want a higher maternity payout in the future:
Increase your Monthly Salary Credit (MSC) gradually.
✅ As a voluntary member paying ₱5,000 MSC, you’ll receive ₱17,500 for normal delivery — and you can increase this in future years by upgrading your MSC.
❓ FAQs: Voluntary Member Paying ₱5,000 Monthly
1. Can I still get maternity benefits even if I resigned from my job? Yes. As long as you switched to voluntary membership and paid at least 3 contributions within your qualifying period.
2. Can I pay ₱5,000 MSC quarterly? Yes. You can pay monthly or quarterly — just make sure payments fall within your qualifying period.
3. What if I miss a month? Missing even one month in your qualifying period can lower your benefit or disqualify you if you fall short of 3 contributions.
4. Do I need to include the MPF in my maternity calculation? No. The MPF is excluded from maternity computations.
5. When will I receive the benefit? Usually 2–4 weeks after filing your complete maternity benefit application.
🌷 Final Thoughts
Paying ₱5,000 MSC monthly may seem small, but it gives you security, peace of mind, and eligibility for maternity benefits worth up to ₱17,500 in 2026.
As your income grows, you can choose higher MSC levels to increase future benefits — up to ₱70,000 or more.
Before your pregnancy or filing, check your contribution history and confirm your eligibility using the 👉 SSS Maternity Benefits Calculator.
Motherhood is precious — and with the right planning, your SSS can make it a little easier. 💖
