This guide explains the manual computation of SSS maternity benefits. For faster and more accurate results, use our official SSS Maternity Benefits Calculator below.

If you’re a member of the Social Security System (SSS) and expecting a baby, it’s important to know how much financial support you’re entitled to through the SSS maternity benefitⓘ. Understanding how your benefit is calculated helps you plan your finances better. This guide will walk you through the step-by-step process of computing your SSS maternity benefit and show you how to use our SSS Maternity Benefits Calculator for a quick and easy estimate.

Step-by-Step Guide to Computing Your SSS Maternity Benefit

Step 1: Identify the Semester of Contingency

The semester of contingencyⓘ refers to the two consecutive quarters from the month of your delivery, miscarriage, or emergency terminationⓘ of pregnancy (ETP).

A quarter consists of three months:
- 1st Quarter: January to March
- 2nd Quarter: April to June
- 3rd Quarter: July to September
- 4th Quarter: October to December

Example:
If your delivery date is August 2025, which is the 3rd Quarter. The semester of contingency is the two consecutive quarters that include the month of delivery. In this case the Semester of Contingency is the 2nd and 3rd Quarter. Which are the months of April 2025 till September 2025.

Step 2: Exclude the Semester of Contingency

You need to look at the 12 months before the semester of contingency to determine your eligible contributions.

Example:
If the delivery date is in August 2025, you will consider contributions from months April 2024 to March 2025.

This image shows the SSS Maternity Benefits Qualifying Periodⓘ if the due date is August 2025.

Step 3: Identify the Six Highest Monthly Salary Credits (MSCs)

From the 12-month period, choose the 6 highest MSCs. These MSCs represent your Salary Creditⓘ (MSC). Each bracket corresponds to a predefined MSC value that determines the r?" title="A salary bracket represents the income range used by SSS to assign a member's Monthly Salary Credit (MSC). Each bracket corresponds to a predefined MSC value that determines the r?">salary bracketⓘ, which determines your contributions and benefits.

Use the SSS Contribution Tableⓘ to find your corresponding MSC based on your monthly salary.

Example:
If your highest monthly salaries were PHP 20,000, your MSC for each of those months is PHP 20,000 (or the maximum MSC if applicable).

Step 4: Compute the Average Daily Salary Credit (ADSC)

Divide the sum of your six highest MSCs by 180.

ADSCⓘ=180Sum of 6 highest MSCs

Example:
If your six highest MSCs total PHP 120,000, the ADSC is:

ADSC = 120,000 / 180 = PHP 666.67

Step 5: Determine Your Total Maternity Benefit

Multiply the ADSC by the number of allowable days:

105 days for normal or caesarean delivery
120 days if you are a solo parent (an additional 15 days)
60 days for miscarriage or emergency termination of pregnancy

Example for normal deliveryⓘ:
Total Benefit = 666.67 × 105 = PHP70,000.35

SSS Maternity Benefit Calculation Made Easy

Manually computing your benefit can be tricky, but our SSS Maternity Benefits Calculator simplifies the process. Just enter your monthly salary and number of contributions, and it will automatically estimate your benefit.

Important Reminders

Ensure you’ve paid at least 3 monthly contributions within the 12 months before the semester of contingency to qualify.
Notify SSS of your pregnancy before delivery through your My.SSS account or your employer (for employed members).

Conclusion

Computing your SSS maternity benefit doesn’t have to be complicated. Follow the steps above or use our SSS Maternity Benefits Calculator for quick results. This benefit is your right—make sure you claim it to get the financial support you deserve!