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How is SSS Maternity Benefit Computed?
What is the maternity benefit and how does SSS compute it? Below are information taken from the official website of the Social Security System (SSS) in the Philippines.
The maternity benefit is a daily cash allowance granted to a female member who was unable to work due to childbirth or miscarriage.
What are the qualifications for entitlement to the maternity benefit?
She has paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.
She has given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.
Is the voluntary or self-employed member also entitled to the maternity benefit?
Yes, A voluntary or a self-employed member is entitled to the maternity benefit provided that she meets the qualifying conditions.
How much is the maternity benefit?
The maternity benefit is equivalent to 100 per cent of the member’s average daily salary credit multiplied by 60 days for normal delivery or miscarriage, 78 days for caesarean section delivery.
How is the maternity benefit computed?
Exclude the semester of contingency (delivery or miscarriage).
A semester refers to two consecutive quarters ending in the quarter of contingency.
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.
Monthly salary credit means the compensation base for contributions benefits related to the total earnings for the month. Please refer to the table below.
Range of Compensation Monthly / Salary Credit
1,000 – 1,249.99 / 1,000
1,250 – 1,749.99 / 1,500
1,750 – 2,249.99 / 2,000
2,250 – 2,749.99 / 2,500
2,750 – 3,249.99 / 3,000
3,250 – 3,749.99 / 3,500
3,750 – 4,249.99 / 4,000
4,250 – 4,749.99 / 4,500
4,750 – 5,249.99 / 5,000
5,250 – 5,749.99 / 5,500
5,750 – 6,249.99 / 6,000
6,250 – 6,749.99 / 6,500
6,750 – 7,249.99 / 7,000
7,250 – 7,749.99 / 7,500
7,750 – 8,249.99 / 8,000
8,250 – 8,749.99 / 8,500
8,750 – 9,249.99 / 9,000
9,250 – 9,749.99 / 9,500
9,750 – 10,249.99 / 10,000
10,250 – 10,749.99 / 10,500
10,750 – 11,249.99 / 11,000
11,250 – 11,749.99 / 11,500
11,750 – 12,249.99 / 12,000
12,250 – 12,749.99 / 12,500
12,750 – 13,249.99 / 13,000
13,250 – 13,749.99 / 13,500
13,750 – 14,249.99 / 14,000
14,250 – 14,749.99 / 14,500
14,750 – O V E R / 15,000
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.
For example, let us say that an SSS member gives birth in December 2004.
The semester of contingency would be from July 2004 to December 2004
The 12-month period before the semester of contingency would be from July 2003 to June 2004
Let us assume that the six highest monthly salary credits are P15,000 each. Thus, the total monthly salary credit would be P90,000 (P15, 000 x 6).
The daily maternity allowance would be P500 (P90,000/180).
The total maternity benefit due would be P30, 000 (P500 x 60 days) for normal delivery or P39,000 (P500 x 78) for caesarian cases.
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