1.14.2013

How Much Is My SSS Maternity Benefit?

By KD

The amount of your SSS maternity benefit depends on your 6 highest monthly contributions within the 12-month period immediately before your Semester of Contingency.

Question:

I am giving birth in March 2013. Here are my posted contributions. Would you please compute my SSS maternity benefit. Thanks.

2012:
Feb   - 468
Mar  - 1092
Apr  - 1196
May - 1040
June - 520
July  - 260

Answer: 

You're giving birth in March 2013, so your Semester of Contingency is Oct 2012 to March 2013, and the 12-month period that SSS will consider for computation is Oct 2011 to Sep 2012. These are the 12 months immediately before your Semester of Contingency.
Have you paid at least 3 monthly contributions within the 12 months mentioned? Yes, you have paid 3 at least contributions. That means you are eligible for the SSS maternity benefit.

How much is your maternity benefit? Within those 12 months, SSS will look for your 6 highest monthly contributions, so it can find your 6 highest monthly salary credits. You only have 6 contributions, so SSS will just choose those contributions so it can get your 6 SSS monthly salary credits:

Feb  - 468    -  salary credit is 4500
Mar  - 1092 -  salary credit is 10500
Apr  - 1196  -  salary credit is 11500
May - 1040  -  salary credit is 10000
June - 520    -  salary credit is 5000
July  - 260    -  salary credit is 2500

If for example you have 7 to 12 monthly contributions within that 12-month period, SSS will find your 6 highest monthly salary credits. If you have only 3, or 4 o 5 contributions, SSS will just pick those 3, or 4, or 5 contributions to get your highest salary credits

In your case, you have exactly 6 contributions, so SSS will just choose those 6 as your highest.

Add the 6 highest monthly salary credits: 4500 + 10500 + 11500 + 10000 + 5000 + 2500 = 44000 pesos

Divide by 180 days. Why 180 days?  6 months x 30 days:  44000 / 180 = 244.44 pesos

Your average daily rate is 244.44 pesos.

If normal delivery, maternity leave is 60 days, so 244.44 x 60 = 14,666.67 pesos
Your maternity benefit is 14,666.67 pesos.

If Cesarean Section or CS, maternity leave is 78 days, so 244.44 x 78 =  19,066.32
Your maternity benefit is 19,066.32 pesos.

If you're employed, your benefit will be advanced to you in cash, check or payroll account deposit by your employer, either in full, or in partial amounts before and after your delivery.
If you're voluntary, OFW or self-employed, your benefit check will be delivered to you in the form of a check via a registered mail, delivered by your postman to the address you wrote in your maternity claim.

Warning:  Please check my computation; there might be an error. What's important is I have shown how the SSS maternity benefit is computed based on the rules released by the SSS on its website.

How much is the lowest maternity benefit amount?
2,000 pesos for normal delivery
2,600 pesos for CS

How much is the highest maternity benefit amount? 
The maximum monthly contribution increased to 16,000 pesos in January 2014: 
32,000 pesos for normal delivery
41,600 pesos for CS

Previous Comments from users are here: SSS Maternity Benefit Amount
Comments from May 22, 2013 to June 3, 2014

62 comments:

  1. Hello! 2 years po ako hindi naghulog sa sss,.ngayon po nagvoluntary po ako,nagpunta ako sss yung bnayaran ko july to september 2016,330 per month. Magkano po maternity benefit n mkukuha nyan? Wala na po ba ako magagawa para tumaas yung mkuha kong benefit?Expected date of delivery ko po march 18,2017..

    ReplyDelete
    Replies
    1. Hi Kathleen: Ang salary credit ng 330 is 3k pesos. So ang benefit mo is 3k pesos. 6k sana kung nabayaran mo rin ang Apr to June. Sorry wala nang remedyo to increase your benefit kasi the payment deadlines for contributions have passed.

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  2. Hi ask ko lng kng qualified ba mkakuha ng maternity benefit ang friend ko. Tagal nya na hindi nkpghulog pero willing sya for retroactive payment kht hulugan nya for 4 yrs. Manganganak sya ngayong december. Kaso dpa sya nkkpgfile ng kht anong papers pra mpaalam sa SSS na buntis sya. Pwd pa po kya yun? thanks.

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    Replies
    1. About maternity benefit and retroactive payment: Sorry hindi allowed ang retroactive payment sa SSS from individual payors. Kung Dec siya mag-deliver, dapat nakabayad siya for at least 3 months within July 2015 to June 2016. Sorry hindi na tinatanggap ang payments for those months.

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  3. Hi po. Magtatanong lg po ako if matutulungan nyo ko magcompute ng benefit ko. Miscarriage po yung case ko. Since september i was on leave due to threatened abortion diagnosis hanggang nawalan ng heartbeat baby ko at oct 22 nag pa d&c ako so until now on leave po ako. May idea po ba kayo if same formula yung sa mscarriage at normal delivery? I tried to compute sa normal around 30k po. But confuse po ko dhil miscarriage case ko. Nasubmit ko na hu lahat ng requirements. :) thanks po in advance.

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    Replies
    1. Hi Harley: Yes, parehong 60 days ang normal delivery at miscarriage. Ang maximum benefit for normal delivery or miscarriage ay 32k. This is for a member who paid the maximum 1,760 for at least 6 months within the 12 month period prior to semester of miscarriage.

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  4. Hi goodafternoon po I'm analyn po.ask ko lang po kase hindi din po alam ng hubby ko yung about sa SSS hindi po kase kami kasal buntis po ako ngayon sa second baby po namin.Sya po active sa SSS may makukuha din po ba sya na benefit? Due date ko po kase sa march 2017.

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    Replies
    1. Hi Analyn: Sorry walang maternity benefit for a male member of SSS. Dapat ikaw ang SSS member mismo para maka-apply ka for a benefit. Kung meron kang source of income, puede kang mag-apply sa SSS as self-employed member with your proof of income. Pero hindi mo na mahabol ang benefit for this baby. Yong para sa susunod na lang kung meron pa.

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  5. Pls reply po sa tanong ko. thanks po

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    Replies
    1. Hi karl: Sorry, ano ba yong tanong mo? Wala akong makitang question from karl king.

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  6. Hi Hyacinth Yap: Please write your delivery date and your 6 highest contributions or salary credits within the 12-month period before your semester of delivery. Or kung di mo sure, yong lahat ng contributions mo for 18 months before your delivery.

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  7. Hi po maam good day ask q lang po kung pwede q taasan contribution q without notifying SSS na magiincrease aq ng hulog? pwede po ba un? 330 lang po kasi hinuhulog q monthly. nahulog q na po is from APRIL 2016 up to SEPTEMBER, tinuloy q po hulog q kc nastop sya manganganak po aq sa JUNE 2017 pa naman, so kung tataasan q po hulog q this quarter macocovered sya sa bilang ng highest 6months contribution para sa computation ng mat. benefit? Thanks po.

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  8. Due date q poh ay december2016 mag kano poh kya ung mkkuha q.. Last contribution q poh is march 2016..pwde p poh kya aqng maghulog ngayon..

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  9. Due date q poh ay december2016 mag kano poh kya ung mkkuha q.. Last contribution q poh is march 2016..pwde p poh kya aqng maghulog ngayon..

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  10. Due date q poh ay december2016 mag kano poh kya ung mkkuha q.. Last contribution q poh is march 2016..pwde p poh kya aqng maghulog ngayon..

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  11. Due date q poh ay december2016 mag kano poh kya ung mkkuha q.. Last contribution q poh is march 2016..pwde p poh kya aqng maghulog ngayon..

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  12. Due date q poh ngyon December 2016..for my 2nd baby.. Ung 1st baby q poh wla p poh aqng sss nunh.. Maaapekthan poh kya ung mkkuha q ngyon..?last contribution q poh ay march 2016..may total contribution is 36..ang hulog poh skin is 330..

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  13. Hi ask ko lang po the last contribution of my employer is dec. 2015 since na endo na po ako ng january and then i am 3 months pregnant now is ok to continue paying my contribution as voluntary? And is it ok to start paying this december until may 2017 since my due date is may 2017 is may still counted for my maternity benefits? And how much is my maternity benefits if i pay 1760 december 2016 to may 2017? Thank you very much in advance for your answer it will be a big help. ��

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  14. hello po mag inquire po sana sa maternity benefit n wife ko? nanganak po cya ng oct 2016 nag file po kami ng mat3 aroung feb 2016 nakuha po nmin maternity benefit 6k lng. tama po ba ito? from 2008 meron po cya pailan ilan na hulog as voluntary contribution na ngkakahalaga 330 pesos

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  15. hello po mag inquire po sana sa maternity benefit n wife ko? nanganak po cya ng oct 2016 nag file po kami ng mat3 aroung feb 2016 nakuha po nmin maternity benefit 6k lng. tama po ba ito? from 2008 meron po cya pailan ilan na hulog as voluntary contribution na ngkakahalaga 330 pesos

    ReplyDelete
  16. hello po mag inquire po sana sa maternity benefit n wife ko? nanganak po cya ng oct 2016 nag file po kami ng mat3 aroung feb 2016 nakuha po nmin maternity benefit 6k lng. tama po ba ito? from 2008 meron po cya pailan ilan na hulog as voluntary contribution na ngkakahalaga 330 pesos

    ReplyDelete
  17. hello po mag inquire po sana sa maternity benefit n wife ko? nanganak po cya ng oct 2016 nag file po kami ng mat3 aroung feb 2016 nakuha po nmin maternity benefit 6k lng. tama po ba ito? from 2008 meron po cya pailan ilan na hulog as voluntary contribution na ngkakahalaga 330 pesos

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  18. Gud pm.. Pwede mag tanong?magkno po kaya mkukuha Kong maternity benefits if 5months palang akong nakaka paghulog?naka pag file na po kasi aq about sa maternity benefits nung 2months palang tyan ko.bale after ko daw manganak bumalik ako.January aq manganganak.mga magkno lang po kaya matatanggap q?pasagot naman po..thnx..

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  19. Bale 330 lang po monthly contribution ko. Mga magkano lang po kaya?5 months plang akong naihuhulog,pero icocontinous ko padin ang hulog.June ako nag start maghulog.

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  20. Aug 6 2016 po ako nanganak voluntary member lang po ako tapoz csection po ako..nagstart ako maghulog nung june 2015 hanggang dec.2016 except lang po nung nov at dec 2015di po ako nkahulog..mkakakuha pa rin po b ako ng benefit sa sss?

    ReplyDelete
    Replies
    1. Aug 6 2016 nanganak: Yes, qualified ka to claim your SSS maternity benefit basta valid ang registration mo as SSS member. Employed ka ba before? If yes, then your membership is valid. If never employed before, I hope you registered as Self-employed before you started paying. contributions.

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  21. This comment has been removed by the author.

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    1. This comment has been removed by the author.

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  22. Hi po! Ask ko lang po kung need ko p po ulit maghulog ng contribution. Nakapag file na po ako ng MAT 1 last Aug 2016 and ang due date ko po ay Jan 2017. Ang pinabayadan lang po sa akin ay July,Aug and Sept 2016. Kaylangan ko pa po ba ulit magbayad? Tnx po

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  23. Hi! If I immediately paid 6monthly contribution(jan-june2017) and I'm giving birth on June 2017. Will I be eligible for the benefit?

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  24. Hi po..hope u could answer my inquiry..I'll be having my Cs operation on Aug 2017 I'll be paying Jan-Mar2017,then aside from that my previous contribution stops at Mar 2015 will it still be counted for computation?.I have continuous payment since I was employed then I stopped last 2015 lang.

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  25. hi po..ask ko lang po if qualified ako sa maternity benefits..employed po ako and they started paying my contribution sept 2016..until now..quilified po ba ako?then anung month ang cocomputin ko?
    thanks
    mj

    ReplyDelete
    Replies
    1. Hi mj: Kelan ang expected delivery mo? Para masabi ko yong mga months

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  26. Hi ask q lang sana mag 2years naq nagbabayad ng 220 bilang voluntary member since july2015...im pregnant and due date q is july 2017..im5months pregnant now pero d oaq nagffile sa sss ng maternity benifits q pwd paba...klan ba ang tamang time ng pag fifile.sana poh masagot nyo...slamat po

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    Replies
    1. Hi Michelle: Naging employed ka ba before ka naging voluntary? Kung hindi, dapat pumunta ka sa nearest SSS with your ID, and fill up ka ng verification slip. Tanungin mo what is your Date of Coverage. Kung meron ka nito, it means na valid ang membership mo.
      Meron kang maternity benefit basta naging valid ang mga contributions mo, kung meron kang Date of Coverage. Comment ka na lang uli dito or email workingpinoy.com

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  27. Hi good day manganganak aq this Aug.2017
    May hulog n aq sa SSS since April 2015-april 2016 makakauha Kya q ng benefits?? Pls do reply po .

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    Replies
    1. Maternity benefit for member giving birth in Aug 2017: Bayaran mo ASAP this quarter (Jan to March 2017) para maka-avail ka ng maternity benefit. Pay as much as you can so your benefit will be higher. Quarterly ang pagbayad mo para mabayaran mo rin ang month of January. Kung monthly kasi, late ka na in paying for January. Except lang kung ang last digit ng SSS number mo ay 9 or 0, puede ka pa sa monthly deadline. Kung quarterly ang payment, okay ka pa sa quarterly deadline for this quarter

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  28. Good day po ask ko lang po 7 months po ako nakahulog sa sss and employed po ako ng private company and 3 months po akong buntis pero na miscarriage po and nakaleave po ako ng 60 days ask ko lang po magkano po makukuha ko sa sss na benifits nakafile napo ako ng mga papers

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  29. Asawa ko po yung tinatanung ko sya po yung employed tnxpo

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    Replies
    1. Hi Ruel: Depende yan sa monthly salary credit. Anong date of miscarriage? At ano yong mga months na nag-contribute at magkano?

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    2. Oct. 2016 po till feb 2017 ang contribution po nia ay 473 pesos permonth nagbuntis po sya ng dec 8 2 months lng po feb 12 po date ng miscarriage may mkukuha po ba syang benifit saka magkano po

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    3. Hi Ruel: Kung Feb ang miscarriage niya, Oct 2016 to Mar 2017 ang semester of contingency niya. Ang titingnan ng SSS ay at least 3 contributions within 12 months BEFORE semester of contingency. Sorry pero hindi siya eligible. Puede siya siguro sa sickness benefit kung meron siyang medical certificate. Nagtaka lang ako sabi mo nag-file na ng mga papers. Papers for maternity benefit? Sa SSS ba nag-file? Tinanggap ang mga papers niya? Baka meron siyang 3 contributions BEFORE Oct 2016. Ask others too

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    4. Pero kung babayaran nia po yung dati kasi 2012 pa sya nag ka sss pero yung. Ayad is start lng ng oct 2016 di po ba pwde? Para mabuo ang 12 months nia? Pano po?

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    5. Hi Ruel: Sorry pero meron kasing deadline sa pagbabayad ng contributions. Hindi na tatanggapin ang contribution payments for the year 2016. Employed naman siya so magtanong siya sa HR nila. Bakit siya pinayagang mag-leave nang matagal kung alam naman nila na hindi eligible?
      Kung okay sa inyo, siguro kung naka-recover at malakas na siya, puede na siyang return to work.
      Sa unang sagot ko, I mentioned about sickness benefit, pero hindi rin pala puede, kasi ganoon din ang requirement -- at least 3 contributions within the 12-month period BEFORE semester of sickness.

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  30. Hi ask ko lang po if ilan kaya yung reimbursement ko i delivered my first baby this month lang however i was able to pay my contributions from july 2015 onwards. Thanks

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    Replies
    1. Hi Karen: Nag-file ka na ba ng claim mo? Ang benefit amount depende sa 6 highest contributions mo within Oct 2015 to Sep 2016

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  31. Hello po employed po ako sa isang company kinaltasan po ako ng sss contribution ng october 2015 to june 2016 nag stop n po diyan kaltas ko so ngaun po buntis po ako ang expected dilevery ko po this june 3 2017 nag file po ako ng maternity benifits ko pero nung icheck nila contribution ko 0 po lumabas hindi daw po kase trinatransfer ng company namin yung hulog sa mga pangalan namin malapit na po ako manganak pwd po ba na mag volunteer na lang po ako mag start po ko ng hulog ng september 2016 hanggang may 2017 makaka avail pa po ba ako mg materniy benifits ko?paki sagot po salamat.,

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    Replies
    1. Hi Reicy: Sorry hindi na tinatanggap ang late payments from individual payors. Puede mong tawagan ang former company mo at tanungin mo kung bakit walang na-post na contributions sa SSS records mo at puede bang pakiayos nila nang mabilisan kasi magfa-file ka na ng maternity benefit claim.
      Puede mo silang ireklamo sa SSS Commission kung hindi nila aayusin. Ipunin mo yong mga payslips mo na nakalagay doon na meron kang SSS deductions at pumunta ka sa SSS Commission sa SSS Diliman with your IDs at mag-file ka ng complaint. Bring any ID or paper na additional proof you were employed by your former company.
      Pero kung hindi mo na kayang maglakad dahil sa condition mo, mas unahin mo na lang muna yong pregnancy mo. Maghabol ka na lang later on.

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  32. What if po kong mag volenteer po ako ngaun february delivery ko po sa june mAkaka habol pa po ba ako ng maternity benifits ko?

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  33. Replies
    1. Hi Reicy: Sorry, June 3 ang expected delivery mo; malabong umabot ka ng July para puede sanang bayaran ang Jan to March.
      Puede mo pang bayaran ang Jan to March, pero hindi rin ito mabibilang para sa benefit, kasi kasama ang Jan to March sa semester of contingency or delivery mo. Ang requirement ay at least 3 contributions within 12 months BEFORE semester of contingency. Ask others din para mas sure at mas maliwanag pa

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  34. HI ASK KO LANG PO KUNG NKAPAGHULOG FROM SEPT 2016 TO FEB 2017 AT MAY 2017 ANG DUE NG PANGANGANAK MGA MAGKANO PO ANG MAGIGNG CLAIM?

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    Replies
    1. How much is my Benefit?: Magkano ang contributions mo in Sep, Oct, Nov and Dec 2016?

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  35. What if kong nahulugan ng company ko ang sss ko mg november 2016-january 2017 tpos mag volenteer na po ako this feb makakahabul po ba ako ng maternity benifits ko?

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    Replies
    1. Hi Reicy: June ang delivery mo? Semester of contingency mo is Jan to June. Kung nahulugan ng Nov and Dec, kulang ng 1 month. Kung nahulugan ang Oct Nov Dec 2016, puede, kasi 3 months.

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  37. Employed po mga kasamahan ko sa work sa kanilang sss at dhil wala daw po cla hulog sa sss nung nag update kami ang ginawa po nila kumuha cla ng rs5 nag bayad na lang po cla sa bayad center chineck po nila ang voluntary dun.,kaso po pumunta ako sa sss para mag voluntary na lang din kase ang tagal po ng proseso ng kompaya namin ang sabi po nila nd daw ako pwd mag voluntary.,mga kasamahan ko po nag voluntary cla nag bayad na din cla sa mga bayad center.,ano po mangyayari pag ganun ginawa nila nd pala kmi pwd mag voluntary kase employed palang kmi.,

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  38. Hi Po ask ko lng Po kung mgkno Po mgging maternity benefits ko.Employed Po ako ng Feb to sept 2016..Ang duedate ko Po ay may 2017.ngfile n Po ako ng mat1.eto Po ung total contribution ko from Feb to sept..feb.220, March.825, April.935,may.660,june.990,july.825,aug.825,sept.935...how much Po Kya mgging maternity ko.wait ko Po reply nyo tnx Po.

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  39. hello po mag kanu po makukuha kong contribution ang hulog ko po ai 381 monthly april may june 2016 tpos october november december 2016 tpos january feb march april may 2017 ang delivery ko po june 2017 mag kanu po makukuha ko na maternity benifits?pakisagot po salamat.,

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  40. Hello po ask ko lang po kung may makukuha akong benefits kung ang hulog ko ay november 2015, december 2015, january 2016 sa past work ko then nanganak ako via cs section nung dec. 2016 may makukuha po ba ako?

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