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SSS Maternity Benefits

SSS Maternity Computation Guide

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SSS Maternity Computation Guide: Step-by-Step for First-Time Moms

If you’re about to have your first baby, congratulations! 🎉 Along with the excitement, you’re probably asking:

  • How much money will I receive from SSS maternity benefits?
  • Am I eligible?
  • What documents do I need to prepare?
  • How do I compute my benefits?

This guide is designed as a step-by-step checklist so you’ll know exactly what to do — from checking eligibility to computing your benefit and filing your claim.

Step 1: Understand What SSS Maternity Benefits Are

SSS Maternity Benefits are cash allowances given to female members who cannot work due to:

  • Normal delivery
  • Cesarean delivery (CS)
  • Miscarriage, stillbirth, or ectopic pregnancy

👉 Important: This is not a loan. You don’t need to pay it back.

Step 2: Check If You’re Eligible

You can claim if:

✅ You’re a female SSS member (employed, voluntary, self-employed, or OFW).
âś… You have at least 3 monthly contributions within the 12 months before your semester of delivery/miscarriage.
âś… You filed a Maternity Notification before giving birth (can be done via SSS Mobile App, website, or through your employer).

If you miss the notification, you may face delays or denial.

Step 3: Know How Many Days You’re Entitled To

The number of paid days depends on your case:

  • Normal or Cesarean Delivery → 105 days
  • Miscarriage / Stillbirth / Ectopic Pregnancy → 60 days
  • Single Parent with SOLO ID → 120 days

Step 4: Learn the Maximum Benefit Amounts

Depending on contributions and delivery type, here’s the maximum you can get:

  • Normal Delivery → up to ₱70,000
  • Cesarean Delivery → up to ₱70,000
  • Miscarriage / Stillborn → up to ₱40,000
  • SOLO Parent (Normal or CS) → up to ₱80,000

Step 5: Compute Your Benefit (Step-by-Step Formula)

Formula:
Maternity Benefit = (Average Daily Salary Credit) Ă— (Number of Days)

Step-by-step:

  1. Get your Monthly Salary Credit (MSC) from the SSS contribution table.
  2. Find the last 6 months of MSCs before your semester of delivery.
  3. Get the average of those 6 MSCs.
  4. Compute your ADSC (Average Daily Salary Credit) = Average MSC Ă· 180.
  5. Multiply by the number of days based on your case (60, 105, or 120).

Example 1:

  • Monthly salary: ₱20,000
  • 6 month MSC: ₱120,000
  • ADSC = ₱120,000 Ă· 180 = ₱666.67
  • If Normal or CS delivery (105 days): ₱666.67 Ă— 105 = ₱70,000
  • If Normal or CS delivery + SOLO Parent (120 days): ₱666.67 Ă— 120 = ₱80,000
  • If Stillborn, ETP or Miscarriage (60 days): ₱666.67 Ă— 60 = ₱40,000

đź’ˇ To make it easier, use the SSS Maternity Benefits Calculator for instant results.

Example 2:

  • Monthly salary for 3 months: ₱10,000, ₱10,000 and ₱12,000
  • 6 month MSC: ₱32,000 since only 3 month of contributions made.
  • ADSC = ₱32,000 Ă· 180 = ₱177.78
  • If Normal or CS delivery (105 days): ₱177.78 Ă— 105 = ₱18,666.67
  • If Normal or CS delivery + SOLO Parent (120 days): ₱177.78 Ă— 120 = ₱21,333.60
  • If Stillborn, ETP or Miscarriage (60 days): ₱177.78 Ă— 60 = ₱10,666.80

đź’ˇ To make it easier, use the SSS Maternity Benefits Calculator for instant results.

Example 3:

  • Monthly salary for 5 months: ₱7,000, ₱7,000, ₱7,000, ₱7,000 and ₱8,000
  • 6 month MSC: ₱36,000 since only 5 month of contributions made.
  • ADSC = ₱36,000 Ă· 180 = ₱200.00
  • If Normal or CS delivery (105 days): ₱200.00 Ă— 105 = ₱21,000.00
  • If Normal or CS delivery + SOLO Parent (120 days): ₱200.00 Ă— 120 = ₱24,000
  • If Stillborn, ETP or Miscarriage (60 days): ₱200.00 Ă— 60 = ₱12,000

đź’ˇ To make it easier, use the SSS Maternity Benefits Calculator for instant results.

Step 6: Prepare the Required Documents

đź“Ś Before giving birth:

  • Maternity Notification (filed online or via employer)
  • Doctor’s certification or ultrasound report

đź“Ś After giving birth:

  • Baby’s Birth Certificate
  • Valid ID
  • Medical certificate (if CS, miscarriage, or stillbirth)
  • Bank account details (where SSS will deposit your benefit)

Step 7: File Your Claim

You can file through:

  • SSS Mobile App
  • SSS Website (My.SSS)
  • Your Employer (if employed)
  • Nearest SSS Branch

Step 8: Wait for Processing

  • Approval takes around 7–15 working days.
  • Release of benefit usually within 10–30 days (depending on your bank).
  • Benefit is deposited directly to your enrolled bank account (SSS doesn’t give cash over the counter).

Step 9: Avoid Common Mistakes

❌ Filing late maternity notification
❌ Insufficient contributions
❌ Wrong or inactive bank account details
❌ Name mismatch between PSA and SSS records

âś… Always double-check your documents before submission.

TL;DR (Quick Summary)

  • Must have 3 contributions within 12 months before delivery.
  • Days covered: 105 days (normal/CS), 60 days (miscarriage), 120 days (SOLO parent).
  • Maximum benefit: up to ₱70,000 (₱80,000 if SOLO parent).
  • Compute: (Average MSC Ă· 30) Ă— Days.
  • File maternity notification early to avoid rejection.

FAQs

1. Can voluntary and self-employed members apply?
Yes, as long as they have the required contributions.

2. Is the benefit taxable?
No, it is not subject to tax.

3. Can I get the benefit before giving birth?
Yes, you can file early but the payout usually comes after approval.

4. Can I receive through GCash or Maya?
No, SSS only disburses to enrolled bank accounts.

5. How long before I get my money?
Usually 10–30 days after approval.

👉 Now you have a clear roadmap of how SSS maternity computation works — from checking eligibility, computing your amount, preparing documents, filing, up to receiving your benefit.

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