Cash Mart

Call Us To Discuss Your Loan Today (028) 829 0000


Join over 30,000 happy customers who have experienced personal loans the Cash Mart way. Your online lending partner ANYTIME and ANYWHERE

6 Easy Steps to Compute your SSS Maternity Benefit

SSS Maternity Benefit Computation – Updated August 2022

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.

Ask yourself if you are financially ready.

Having a baby means you must 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.


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 caesarean 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 caesarean. Meanwhile, miscarriage or emergency termination of pregnancy has 60 paid days. Lastly, a solo parent has additional 15 days, which is a total of 120 days of paid leave. 

In addition, fathers also benefit from the added paid leaves. It is because the seven days from maternity leave are transferrable.

How to Avail SSS Maternity Benefits?

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. Or you can 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 figure out which quarter of the year you’d be. A semester of contingency is 2 consecutive quarters. It helps determine whether 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 3 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 properly notify SSS about your pregnancy. 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?

As soon as you learn that you are pregnant, tell SSS about it.

What are the Requirements for SSS Maternity Benefits?

SSS Maternity Program requirements depend on the pregnant membership. 

Employed / Self-Employed / Voluntary Members

  • Maternity Notification Form (stamped and received by SSS
  • Maternity Reimbursement Form 
  • If 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 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

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

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

Ectopic Pregnancy

  • One of the following: Positive pregnancy test and after miscarriage, hospital records (Certified True Copy), Operating Room records, and histopathological report

Also, the SSS Maternity Benefits qualification depends on the status. 

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 Death or 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?”

Well, it depends on your average daily salary and your pregnancy condition.

Llive birth of normal delivery and cesarean section: you will get your average daily salary credit multiplied by 105 days.

Abortion, miscarriage, and ectopic pregnancy: you will get your average daily salary credit multiplied by 60 days.

The solo parent: you will get your average daily salary credit multiplied by 120 days.

SSS Maternity Computation

These are the steps how to compute Maternity Benefits. 

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.

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 date of delivery.

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

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 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. 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. Then, get the total of your six highest Monthly Salary Credit.

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

Assuming that 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

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

Multiply the daily maternity allowance by 60 (for normal delivery or miscarriage) or 78 days (for caesarean section).

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

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.

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.