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6 Easy Steps to Compute your SSS Maternity Benefit

SSS Maternity Benefit Computation – Updated October 2023

Ready to welcome your baby to this world?

Do not just consider being emotionally ready when you think of getting ready for your bundle of joy.

Assess your nursery room to see if it has all the baby stuff you need. 

Do you have enough stock of baby clothes, diapers, and wipes? How about milk bottles and vitamins for you and the baby? Is there an available carrier? Crib? Stroller? 

Also, ask yourself if you and your partner are financially ready.

Have you saved enough money for your delivery, regardless if it is a normal or cesarean section? Do you have emergency funds for follow-up check-ups or unexpected medical expenses? Can you finance the succeeding purchases for diapers and other baby needs?

Caring for your child will be your top priority for the first few months. Your newborn needs your utmost attention and tends to survive outside your womb. However, there’s a downside. Having a baby means you must stop working in the meantime. It equates to no salary until you resume working. 

What’s not what most expecting moms realize is that you have more financial needs after giving birth. How can you cope with all these expenses if you have no other income source except your partner’s? Or worse, if you’re the breadwinner in the family. 

Social Security System

Fortunately, SSS offers programs for expecting mothers. The government agency finances a duly filed claim for working moms who need to rest after giving birth. In other words, your lack of salary while on Maternity Leave will be the least of your concerns. 

I regret not knowing about the SSS Maternity Benefit when I had my first daughter. If I had known this, I wouldn’t have stressed myself out thinking about earning while being a busy first-time mother. 

Now that I am nearing my due date for my second child, I know better. Every mom with a newborn baby can use the extra cash for clothes, diapers, bath necessities, and whatnot. Thankfully, the SSS Maternity Benefit can help me and you as well. 

Let me guide you in overcoming the overwhelming emotions and expenses that come with our precious angel. 

Table of Content

What is SSS Maternity Benefit?

How does Republic Act 11210 affect SSS Maternity Benefit?

How to Avail SSS Maternity Benefits?

What are the Requirements for SSS Maternity Benefits?

How much is SSS Maternity Benefit?

How To Compute Maternity Benefits 2023?

How To Apply Maternity Benefits In SSS Online?

Frequently Asked Questions


What is SSS Maternity Benefit?

Aside from the SSS salary loan and SSS housing loan, you can get more from SSS.

To clarify: SSS Maternity Benefit is not a loan. It is your allowance from SSS while you are still recovering from childbirth. And you can avail of it only for the first four (4) deliveries or miscarriages.

It is the benefit you can get from the SSS contributions you have been paying off monthly. (Hooray!)

SSS gives a female SSS member a daily cash allowance if she can’t work due to miscarriage or childbirth. You must fill your request to the SSS branch, where your employer and employee information is based.

How does Republic Act 11210 affect SSS Maternity Benefit?

In March 2019, the government implemented the 105-Day Expanded Maternity Leave. The act increases the number of paid leave of maternity leave. 

Before, the law only permitted 60 days for normal delivery while 78 days for cesarean section delivery. But with the new mandate, mothers have the privilege of 105 days of maternity for live childbirth. It is regardless of whether the delivery is normal or cesarean. 

Meanwhile, miscarriage or emergency termination of pregnancy has 60 paid days. Lastly, a solo parent has an additional 15 days. It means a single mother has 120 days of paid leave.

In addition, fathers also benefit from the added paid leaves. The seven days of paid maternity leave are transferrable. Your husband can enjoy more precious moments with your newborn.

How to Avail SSS Maternity Benefits?

You can enjoy the SSS Maternity Benefit if you have everything to prove you’re qualified for it. Here is a list of what you must check before filing your claim.

Check your eligibility 

To enjoy the SSS Maternity Benefit, you need to assess eligibility. You must present your expected delivery date. Your OB-Gyne will identify it, but you can compute it. 

First, think back to the first day of your last menstrual cycle. Then, count back from that date until the 3 calendar months. Lastly, add up 1 year and 7 days to get your expected due date. 

For example, your last menstrual period is July 15, 2021. If you count back 3 months from that date, it would be April 15, 2021. Afterward, add 1 year and 7 days. Therefore, your expected delivery date is April 22, 2022. 

Also, there is another way to calculate your expected due date. Use an online EDD calculator. You can also see the estimated EDD on your ultrasound report. 

As long as you present the expected delivery date, you can qualify for the benefits of SSS Maternity. 

Identify the Semester of Contingency SSS

With the expected delivery month, you can determine which quarter of the year you’d be in. A semester of contingency is two consecutive quarters. It helps decide whether or not you are eligible to receive the SSS Maternity Program. 

How? SSS only covers pregnancy with paid contributions over the last 3 to 12 months before the contingency semester. 

Look back to our sample of EDD. April 2022 is in the second quarter. Add another quarter before that. Then, your semester of contingency falls from January to June 2022. Therefore, the three monthly contributions must be paid from January to December 2021.

Review your SSS monthly contributions

You can apply for the benefit if you have paid at least three (3) monthly contributions. Take note that it must be for the last 12 months before you have had a miscarriage or childbirth. 

The calculation of the SSS benefit you will receive will be coming from the recent contributions you made. Therefore, your previous contributions from the earlier years won’t matter. 

Notify SSS immediately

Also, you must notify SSS about your pregnancy as soon as possible. You can go through them personally or with your employer (if employed). 

Taking time before informing SSS might lead to delays. And you wouldn’t want that, right? You need to secure your finances before you give birth. That’s why tell SSS about it as soon as you learn you are pregnant.

What are the Requirements for SSS Maternity Benefits? 

You can secure your benefits from SSS if you have all the necessary documents. There are various classifications from which you can base your requirements. From there, you can prepare the documents needed accurately. 

SSS Maternity Loan Requirements for Membership

SSS Maternity Program requirements depend on the pregnant membership. Check which among these types of membership you fall. 

Employed / Self-Employed / Voluntary Members

  • Maternity Notification Form (stamped and received by SSS)
  • Maternity Reimbursement Form 
  • If there is no UMID, two valid IDs with signature, photo, and date of birth

Separated Members

  • Maternity Notification Form (stamped and received by SSS
  • Maternity Reimbursement Form 
  • If there is no UMID, two valid IDs with signature, photo, and date of birth
  • Certificate of Separation, including the effective date from the recent employer
  • No advance payment certificate from the recent employer

SSS Maternity Loan Requirements for Delivery

In addition, SSS requires you to present documents based on the case of maternity. Or the method of childbirth.

Normal Delivery

  • Birth Certificate of the child (Certified True Copy or Authenticated Copy)
  • Live birth after that results in offspring’s death: Birth Certificate and Fetal Death Certificate (Certified True Copy or Authenticated Copy)
  • Stillborn: Fetal Death Certificate (Certified True Copy or Authenticated Copy)
  • Abroad delivery: Report of Child’s Birth

Caesarean Delivery

  • Birth Certificate of the child (Certified True Copy or Authenticated Copy)
  • Operating Room Record (Certified True Copy)
  • Medical Abstract
  • Delivery Report
  • Clinical Discharge Summary
  • If Abroad: Billing Documents about CS delivery chargers

Miscarriage or Emergency Termination of Pregnancy

  • If with Maternity Notification: Pregnancy test result, ultrasound result, and histopathological report
  • If without Maternity Notification: Early pregnancy factor, pregnancy test result signed by attending physician, ultrasound result, and blood pregnancy test result (beta HCG

SSS Maternity Loan Requirements for Status

Also, the SSS Maternity Benefits qualification depends on the marital status of the pregnant member.

Solo Parent

  • A Solo Parent ID (LGU issued within 2 years of delivery date)
  • Solo Parent Certificate (LGU issued)

Qualified Caregiver

It is applicable if the member and the beneficiary of the SSS Maternity subsequently fall under the category of Death or have Permanent Incapacity. 

  • Undertaking Form of a Qualified Caregiver (duly notarized)
  • Member’s Death Certificate or Medical Certificate (Certified True Copy)

SSS Maternity Benefit for Unemployed

An unemployed female can still get the maternity benefit if she is a voluntary member. If you are unemployed, you will need:

  • Maternity Notification Form,
  • Maternity Reimbursement Form, and
  • the UMID or SSS biometrics ID card or two (2) other valid IDs.

How much is SSS Maternity Benefit?

You might ask: “Magkano ang makukuha sa SSS Maternity?” How much can I avail from the SSS Maternity Benefit?  

Well, it depends. There are several factors you have to consider. These are your average daily salary and your pregnancy condition.

SSS Maternity Benefit Cesarean Section and Normal Delivery

You will get your average daily salary credit multiplied by 105 days.

SSS Maternity Benefit Abortion, Miscarriage, and Ectopic Pregnancy

You will get your average daily salary credit multiplied by 60 days.

SSS Maternity Benefit Solo Parent.

You will get your average daily salary credit multiplied by 120 days.

How To Compute Maternity Benefits 2023?

Before going to any SSS branch or your HR Department, it is best to know how to calculate how much you will get from the SSS Maternity Benefits. Follow the tips below.  

SSS Maternity Computation Using Contingency Plan 

Identify how much you can get from the SSS Maternity Program using the semesters of SSS contingency. 

Step 1. Know when is your delivery date. 

You can check it by counting back from your LMP or the EDD from the ultrasound result. 

Step 2. Exclude the semester of contingency. 

The basis is on the day of delivery, childbirth, or miscarriage. To get the semester of contingency, you must know the quarter and semester. A quarter means the three (3) consecutive months ending in March, June, September, or December.

  • 1st Quarter: January to March
  • 2nd Quarter: April to June
  • 3rd Quarter: July to September
  • 4th Quarter: October to December

A semester means two (2) consecutive quarters ending on your possible delivery date.

It is Quarters 1 & 2, Quarters 2 & 3, Quarters 3 & 4, and Quarters 4 & 1. 

Let’s say:

Your OB said you were giving birth in December 2018. Count the months backward to know your semester.

Therefore, your semester of contingency is from July 2018 to December 2018.

Take a look at the SSS Contingency Table.

SSS Maternity Benefit - Contingency Table

Step 3. Start computing the months. 

Count 12 months backward, starting from the month before the semester of contingency.

Since your semester of contingency is from July 2018 to December 2018, count the months backward from June 2018 until you reach 12 months.

Semester of Contingency SSS

Your 12-month period is from July 2017 to June 2018.

Step 4. Get your payslips.

Identify the six highest monthly salaries within these 12 months. Then, add them all up. It is your Monthly Salary Credit (MSC).

Let’s go back to the example:

From July 2017 to June 2018, find out how much is your highest monthly salary. Then, get the total of your six highest Monthly Salary Credits.

Take note that the maximum covered earnings or compensation is P16,000. So, even if your salary is higher, your total salary coverage remains at P16,000.

Assuming your six highest monthly salaries are P25,000 each. Then, SSS will only consider P16,000 as your highest MSC.

Then P16,000 + P16,000 + P16,000 + P16,000 + P16,000 + P16,000 =P96,000.

Your total MSC would be P96,000.

Step 5. Compute your daily allowance. 

Divide the total MSC by 180 days to get the average daily salary credit. It is now your daily allowance.

P96,000 ÷ 180 = P533.33

Your daily maternity allowance would be P533.

Step 6. Get the final answer. 

Multiply the daily maternity allowance by 105 days (for normal delivery and cesarean section), 60 days (for miscarriage or emergency pregnancy termination), or 120 days (for solo parents).

It is the total of your SSS maternity benefit.

Example for: 

Live birth delivery (normal or CS): P533 x 105 days = P55,965

Miscarriage: P533 x 60 days = P31,980

The solo parent: P533 x 120 days = P63,960


Using SSS Maternity Benefit Calculator 2023 

If you still need clarification about calculating your SSS Maternity benefits, you may use an online SSS Calculator Maternity. It is the same as using a semester of contingency SSS. The only difference is it’s faster and easier to use. 

Step 1. Look for an online SSS Maternity Calculator.

You may use this link to access the online calculator for SSS Maternity Benefit

Step 2. Input all the vital information. 

Enter the details, including your EDD and the six highest MSCs during the 12 months before your contingency semester. 

Step 3. Review the calculated amount. 

View the SSS Maternity Benefit amount suitable for your category—Normal, CS, Solo Mothers, and Miscarriage.

SSS Calculator Maternity


Semester of Contingency SSS

How To Apply Maternity Benefits In SSS Online?

Unlike before, availing of the SSS Maternity Program is more convenient. You don’t have to visit your SSS branch right away. You can begin the journey of your SSS Maternity application online. Here’s how you can do it. 

Step 1. Check if your SSS membership.

See that you have an active membership via the SSS official website.

Step 2. Count at least three contributions.

Count if you have at least three contributions within the 12 months before your semester of contingency. If you prefer to receive the maximum benefit amount, count six months worth the highest SSS contribution. Pay it online via the SSS website if you have no payments within this period. 

Step 3. Notify the SSS about it immediately.

Employed pregnant members must talk to their HR personnel so they can process the SSS maternity notification. 

Pregnant members separated from work, self-employed, volunteer, OFW, kasambahay, or non-working spouse must access their online SSS account. You may submit your maternity notification through the SSS mobile app or the SSS portal. 

Important Reminder: 

SSS branches no longer accept walk-in applications starting September 2021. You must lodge first so you can apply for the SSS Maternity Benefits. 

Furthermore, the pregnancy notification deadline must not be 60 days from conception but not later than delivery. 

Step 4. Register for DAEM (Disbursement Account Enrollment Module).

Using your SSS online account, you can enroll for DAEM. It is an online SSS system that permits members to register their preferred bank account, remittance pay-out company, or e-wallet as their disbursement account for any SSS benefit and loan proceeds. 

Step 5. Submit your Maternity Benefit application. 

Once you give birth to your child, present your application online via the SSS official webpage. Take note that claiming the SSS Maternity Benefit is open within the next ten years. 

Step 6. Notify the SSS about it immediately.

Wait for the SSS Maternity loan amount to be credited to your enrolled bank account. 

Knowing how to compute SSS Maternity is genuinely beneficial. However, there are times when the SSS Maternity Benefit is not enough to adjust for the new baby and your finances. 

You can get a personal loan online from Cash Mart anytime if you need more cash. The whole process is conveniently done online. You can apply while you are at home taking care of your baby. Once approved, Cash Mart will send your funds straight to your bank account.

Frequently Asked Questions

How many months to avail SSS Maternity Benefits? 

To qualify for the SSS Maternity Benefit, you must have paid at least three (3) months of contributions within the 12 months. But it must be immediately before the semester of childbirth, miscarriage, or emergency termination of pregnancy. 

Who can avail Maternity Benefits in SSS? 

Any FEMALE SSS member can enjoy the privileges that come with SSS Maternity.

How to process maternity benefits in SSS?

Application for SSS Maternity Benefit is only available online or through the HR Department. 

For the online process, you must upload all the required supporting documents for your claim. The SSS personnel will review these. Your successful submission date will be your claim filing. 

For employed SSS members, the company’s HR personnel is responsible for processing your SSS Maternity Benefit.