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How is SSS Maternity Benefit Computed?

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SSS Maternity BenefitWhat 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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18 Responses to “How is SSS Maternity Benefit Computed?”

  • joan aquino says:

    pede ko po kaya ipasa mga requirements ko bagong panganak po ako nung april 13,2012,pede ko pa po magamit ang aking maternity?kaso po wala na ko work.

  • veronica says:

    I’m 5months pregnant now. Matagal na kong walang work but i’m sss member. can I get any maternity benefits on them. Nag work ako between 2006-2010 with the different companies. Please send me a reply. thanks

  • machiavelle ponio says:


    gusto ko lng po itanong kung anong mga requirements pg mag-apply ng maternity notification?? pwd ba yong ultrasound lng??

  • ano po ang mga requirements sa pagkuha ng maternity benifets? at pwede po mag apply online lang?

  • gilian says:

    ano po ba ang mga requirment pra s maternity?at kailan ito ipasa?

  • aila mendoza says:

    its been 1 month & 1 week simula ng i-file ko ang maternity reimbursement,until now wala pa ang checke ko..hayst ang tagal..bkit sa ibang branch like in mandaluyong 1 week lng after u file may checke na?

  • elaine says:

    Ask ko lang po kung magkano po makukuha kong benefits sa maternity ko, cesarian po ako.salamat

  • viclen malingin says:

    maam ask lang ko makadawat ba ako live in partner ug paternity iya man aplyedo gigamit sa bata ,but dili me marriage ,

  • rutchelle mata says:

    help nyo naman po ako mag compute ng maternity dahil yun nalang po yung kulang kong requiremrnts please send me a formula ..di ko po kase makuha yung sa likod ng mat2 form…thank you

  • Airam c. Sumatra says:

    how many months bago ma receive sa employer yong check galing sa sss. na received po nang sss yung maternity reimbursement last sept. 28,2012
    and how much po yung ma re received .. 780.00 po yong monthly contribution and aug.26,2012 po yong delivery ko..start nang maternity leave ko is 8/25/12. and normal delivery po. tnx.

  • analyn marcos says:

    hi mam. good pm po! ask kulang po yong maternity loan nya kc member ako ng sss pero ka start kulang maghulog last september nong nag vacation ako..ngayon im pregnant na ng 5 months,,,makaavail po ba ako ng maternity loan nyo?

  • Melissa says:

    May hulog ang SSS ko ng 3 years pero nahinto ang bayad simula nong 2008 at nag voluntary ako simula 2012 mga June. At nanganak ako nong January 2013, may makukuha na po ba among maternity benefits non? Please pakireply naman po.

  • vergelsuarez says:

    how much my sss contribution by the month of june 2004 to september 2013

  • Jackie says:

    Ask ko lng po Kung way mga requirements sa maternity loan?.pde na po ba ako mg file ng maternity loan?.tnx

  • shine bunan says:

    ask ko lng po magkanu makukuha ko first maternity loan ko naka schedule po ako iCeasarian sa october 20,2013.may 2009 po ako nagstart maghulog ng contriibution..thank you

  • shine bunan says:

    400 po monthly contribution ko

  • lhiz says:

    goodeve. i just would like to ask if i’m still able to file for maternity benefits eventhough my contribution has been stopped due to end of contract on my previous work and i havent got the chance to find a new job due to my eldest son illness? and i got pregnant this december. am i still able to accomplished my unpaid contributions for me to use the maternity benefits? i need your response asap! thank you in advanced. godbless always.

  • dhes says:

    Hi Po,

    KAse po pang 3 beses ko an po itong panganganak, pero now po employed ako and currently ang sweldo ko po ay 15k monthly pero mga 3 years pa lang akong employed. makukuha ko pa din ba ung benefits ko the same sa computation sa ng SSS? Hindi po ba nila babawasin ung nakuha ko na nung una at pangalawang panganganak ko?

    KAse po dun sa nauuna at pangalawa kong pangnangak ay 5k at 3k lang nakuha ko pero self employed ako.

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