This article is for our mom-to-be followers who are wondering if they are qualified to claim for maternity benefits from the SSS. Often, expectant mothers who only recently began making SSS contributions, or those who missed a month or two prior to their delivery dates, are worried that they would not be able to claim assistance from SSS.
We lifted the official computation and other guidelines from the SSS website to help all female SSS members understand how maternity benefits are determined.
The SSS Maternity Benefit
- For normal delivery and miscarriages: 100% of member’s average daily salary credit multiplied by 60 days.
- For caesarean section delivery: 100% of member’s average daily salary credit multiplied by 78 days.
- Exclude the semester of contingency (delivery or miscarriage).
- A semester refers to two consecutive quarters ending in the quarter of delivery.
- A quarter refers to three consecutive months ending March, June, September, or December.
- Count 12 months backwards starting from the month immediately before the semester of contingency.
- Identify the six highest monthly salary credits within the 12-month period. The monthly salary credit means the compensation base for contributions and benefits related to the total earnings for the month. The maximum covered earnings or compensation is Php 16,000.00 effective January 1, 2014.
- Add the six highest monthly salary credits to get the total monthly salary credit.
- Divide the total monthly salary credit by 180 days to get the average daily salary credit. This is equivalent to the daily maternity allowance.
- Multiply the daily maternity allowance by 60 (for normal delivery or miscarriage) or 78 days (for caesarean section delivery) to get the total amount of maternity benefit.
Below is an example:
Let’s say the SSS member will give birth on December 2017, how do we determine the amount of maternity benefit she can expect from SSS?
- The semester of contingency is from July 2017 to December 2017.
- The 12-month period before the semester of contingency would be from July 2016 to June 2017.
- Assuming the six highest monthly salary credits are Php 15,000 each, then the total monthly salary credit would be Php 90,000.00 (Php15,000 x 6).
- The daily maternity allowance would be Php 500.00 (Php 90,000 / 180).
- To get the total amount of maternity benefit: multiply the daily maternity allowance by the number of days based on the type of delivery:
- For normal delivery and miscarriages: Php 500 x 60 = Php 30,000.00
- For caesarian section delivery: Php 500 x 78 = Php 39,000.00
- The SSS maternity benefit is paid to a female member for the first four deliveries and miscarriages only, by virtue of the Social Security Act of 1997 (RA 8282).
- Employed members shall receive the full amount of the maternity benefit within 30 days from the date of filing of the maternity leave application. This will be given in advance by the employer (who shall then be reimbursed in full by the SSS).
- If the employee member gives birth or suffers a miscarriage and the required number of contributions have not been properly remitted by the employer, or if the employer fails to notify the SSS, the employer will be required to pay damages to the SSS. Such damages shall be equivalent to the benefits that the employee should have been entitled to.
- Separated / voluntary / self-employed members shall be paid directly by the SSS.
- A female member cannot claim for sickness benefit for a period of 60 days for normal delivery or miscarriage and 78 days for caesarean delivery. No member can be entitled to two benefits for the same period.
The moment you have confirmed that you are pregnant, notify your employer right away. If you are a voluntary member, file the necessary papers at the SSS immediately. This will secure the validity of your claim, whether you carry the child to full term or suffer a miscarriage (anything can happen). It also pays to create an online SSS account so you can monitor your and your employer’s monthly contribution.
We hope this article helps all new and future mothers!