How much will be my SSS Maternity Benefit Amount?
The computation and the amount of your SSS Maternity benefit are based on your Monthly Salary Credit of your SSS contribution. The Monthly salary credit (MSC) means the compensation base for contributions and benefits related to the total earnings for the month. The maximum compensation is P20,000, effective April 1, 2019. The higher your MSC are, the higher the amount you’ll get from SSS.
Before we jump in to the computation of your would be SSS benefit, let us first dig in to what MSC is.
For example, if your monthly salary is P20,000 and you pay P2,400 per month for your SSS contribution, your monthly salary credit or MSC is P20,000.
As of June 2019 (time of writing of this post), P20,000 is the maximum MSC based on the Table of Contribution. It means that even if you receive a monthly income of P30,000 or P100,000 or any amount greater than P20,0000, your MSC still remains at P20,000.
On the other hand, the minimum salary credit is P2,250 for members with a declared monthly income below P2,250 who pay the minimum SSS contribution of P240 per month.
Related Articles
- Ultimate Guide: How to Qualify, Apply for SSS Maternity Benefit for Voluntary Members
- Possible Reasons why SSS Maternity Benefit is denied
- SSS Maternity benefit ups to Php70,000
- How to Compute for SSS Maternity Benefit under the Expanded Maternity Law
- How to Notify SSS Maternity Notification thru Text
- How to check my SSS Contributions Online
So, how do you compute the SSS Maternity Benefit?
Generally, these are the steps when computing for the SSS Maternity Benefit:
- Identify your Semester of Contingency. Remember the Semester of Contigency we mentioned in the early part of the article?
Exclude the semester of contingency (delivery or miscarriage) by counting 12 months backwards starting from the month prior to your semester of contingency. - Identify the six highest monthly salary credits within the 12-month period.
Add the 6 highest monthly salary credits to get the total monthly salary credit. If you have only 3 or 4 or 5 contributions within those 12 months prior to your semester of contingency then only add the monthly salary credit within those months available. - Divide the total monthly salary credit by 180 days to get the average daily salary credit.
- Multiply the daily maternity allowance depending on the following criteria:
- For Normal Deliver – 105 days
- For Ceasarean Delivery – 105 days
- Abortion, Miscarriage – 60 days
- Solo Parent (either Normal or Ceasarean) – 120 days
Previously, Normal delivery is 60 days only and CS is 72 days only.
Example SSS Maternity Benefit Computation
Contingency Month/Delivery Month: February 2020
Semester of Contingency: October 2019-March 2020
12 Month Period prior to Semester of Contingency:November 2018-September 2019
From November 2018 – September 2019, the SSS Member should have at least 3 months contribution to qualify for the SSS Maternity Benefit.
Get the Monthly Salary Credit of the 6 highest posted contribution during the 12 Month Period prior to semester of Contingency
Example
| Month | Contribution | Monthly Salary Credit |
|---|---|---|
| Nov 2018 | 1,430.00 | 13,000 |
| Jan 2019 | 1,540.00 | 14,000 |
| Feb 2019 | 1,705.00 | 15,500 |
| April 2019 | 1,860.00 | 15,500 |
| June 2019 | 1,860.00 | 15,500 |
| July 2019 | 1,980.00 | 16,500 |
Add the 6 highest monthly Salary Credit
13,000 + 14,000 + 15,500 + 15,500 + 15,500< + 16,500 = 89,500
Divide the sum into 180 days to get the daily maternity allowance
89,500/180 = 497.22 (Daily Maternity Allowance)
Multiply the daily maternity allowance depending on the following criteria:
– For Normal Deliver – 105 days
– For Ceasarean Delivery – 105 days
– Abortion, Miscarriage – 60 days
– Solo Parent (either Normal or Ceasarean) – 120 days
If Normal or Ceasarean Delivery, multiply the daily maternity allowance into 105 days
497.22 x 105 = 52, 185 (Maternity Benefit)
If member is a solo parent (regardless if Normal or Ceasarean Delivery), multiply the daily maternity allowance into 120 days
497.22 x 105 = 59, 666.4(Maternity Benefit)
The lowest Maternity Benefit amount under the Expanded Maternity Law is P2,250 for Abortion and Miscarriage and P3,937.5 for Normal and Ceasarean Delivery, if a member’s Monthly Salary Credit was only P2,250 (lowest SSS Monthly Salary Credit starting April 2019) and has only three monthly contribution within the twelve month period prior to the semester of delivery.
The maximum Maternity Benefit possible is P70,000 pesos for Normal and Ceasarean Delivery and 80,000 for Solo Parent (either Normal or Ceasarean Delivery) provided that the member has at least six monthly contribution of Monthly Salary Credit P20,000.
We will continually update this article, if a new procedure or computation will be adopted by SSS.
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