Updated June 13, 2018
Ready to welcome your baby to this world?
When you think of getting ready for your bundle of joy, do not just consider being emotionally ready.
Ask yourself if you are financially ready.
Having a baby means you have to stop working and take care of your child for the first few months. I regret not knowing about the SSS Maternity Benefit when I had my daughter.
Every mom with a newborn baby can use the extra cash for clothes, diapers, bath necessities and whatnots.
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What is SSS Maternity Benefit?
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 it only for the first four (4) deliveries or miscarriages.
It is actually the benefit you can get from the SSS contributions you have been paying off every month. (Hooray!)
SSS gives a female SSS member a daily cash allowance if she can’t work due to miscarriage or childbirth. Your request must be filed to the SSS branch where your employer and employee information is based.
How to Avail SSS Maternity Benefits?
You can apply for this benefit if you have paid at least three (3) monthly contributions for the last 12 months before you had miscarriage or childbirth.
Also, you must properly notify SSS about your pregnancy either personally or through your employer (if you are employed).
As soon as you learned that you are pregnant, make sure to tell SSS about it.
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?”
Well, it depends on your average daily salary and the condition of your pregnancy.
For normal delivery, miscarriage, ectopic pregnancy without operation, or H-mole: you will get your average daily salary credit multiplied by 60 days.
For cesarean section and ectopic pregnancy with an operation: you will get your average daily salary credit multiplied by 78 days.
SSS Maternity Computation
Step 1: Know when is your delivery date.
Step 2: Exclude the semester of contingency. (Based on the day of delivery, childbirth or miscarriage)
To get the semester of contingency, you have to know the quarter and semester:
A quarter means the three (3) consecutive months ending in March, June, September or December.
- Quarter 1: January to March
- Quarter 2: April to June
- Quarter 3: July to September
- Quarter 4: October to December
A semester means two (2) consecutive quarters ending on your possible date of delivery.
- Quarters 1 & 2
- Quarters 2 & 3
- Quarters 3 & 4
- Quarters 4 & 1
Your OB said you are giving birth in December 2018. Count the months backwards to know your semester.
Therefore, your semester of contingency is from July 2018 to December 2018.
Step 3: Count 12 months backwards starting from the month before the semester of contingency.
Since your semester of contingency is from July 2018 to December 2018, count the months backwards from June 2018 until you reach 12 months.
Your 12-month period is July 2017 to June 2018.
Step 4: Get your payslips. Identify the six highest monthly salary within this 12-month period. Then, add them all up. This is called 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. Get the total of your six highest Monthly Salary Credit.
Take note that the maximum covered earnings or compensation is P16,000. Even if your salary is higher, your maximum salary coverage still remains at P16,000.
Assuming, that your six highest monthly salaries are P25,000 each. 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: Divide the total MSC by 180 days to get the average daily salary credit. This is now your daily allowance.
P96,000 ÷ 180 = P533.33
Your daily maternity allowance would be P533.
Step 6: Multiply the daily maternity allowance by 60 (for normal delivery or miscarriage) or 78 days (for cesarean section).
This is the total of your SSS maternity benefit.
For normal delivery: P533 x 60 days = P31,980
For cesarean section: P533 x 78 days = P41,574
However, there are times when the SSS Maternity Benefit is not enough to adjust for the new baby.
In case you need more cash, you can get a personal loan online from Cash Mart anytime. The whole process is conveniently done online. You can even apply while you are at home taking care of your baby. Once approved, Cash Mart will simply send your funds straight to your bank account.