Maternity Claim Benefit
SSS Maternity Benefit Claim
What is Social Security System (SSS) Maternity Benefit?
SSS members unable to work due to delivery, miscarriage, or emergency termination of pregnancy, including stillbirth, are eligible for a daily cash allowance under this maternity benefit.
How can a woman be eligible for the SSS Maternity Benefits?
Maternity leave benefits are available to SSS-covered female employees, government workers, self-employed persons, and national athletes who satisfy the following criteria:
For private employees and self-employed women:
In the 12 months before the semester of birth, miscarriage, or abortion, the female employee must have at least three SSS contributions submitted. For example, a good rule of thumb is to pay at least three-monthly payments from January 2019 to December 2019 if you intend to give birth in June 2021.
Notification and proof of pregnancy:
A qualified female worker must submit supporting documents such as the ultrasound report, medical certificate, or pregnancy test stick to their employer (Human Resources Department) for private workers.
Republic Act (RA) No. 11210 or the Expanded Maternity Leave Law
The Expanded Maternity Leave Law mandates that the Social Security System or SSS provide eligible SSS members with a cash payment equal to 100% of their average daily wage credit. Paid time off may be taken for a defined number of days each year, as set out in the law:
- 105 days for live childbirth, regardless of if it’s a normal or caesarean delivery.
- 120 days for a solo parent who is giving birth, that is 105 days plus additional 15 days.
- 60 days for women who had a miscarriage or emergency termination of pregnancy.
In addition, the new paid maternity leaves legislation mandates that there is no limit on the number of pregnancies that are covered. There are maternity payments from the SSS for every birth or miscarriage/stillbirth, regardless of how many times you become pregnant. Previously, SSS maternity payments were only available for the first four births or miscarriages of a new mother, but under this expanded law, this policy has been changed.
Optional Extension on Maternity Leave
Female workers who are SSS members that give birth have the option of taking an extra 30 days of unpaid leave on top of the statutory 105 days of paid leave. Maternity leave may be extended if you tell or notify your employer in writing that you would like to extend your leave at least 45 days before the end of your current maternity leave.
Illustrations:
Maternity benefits of up to PHP 80,000 are available to SSS members who qualify. Members having a monthly salary credit or MSC of PHP 20,000, or those who are earning PHP 19,750 and above per month, are eligible for the maximum benefit.
Maternity Benefits Computation
The total amount of SSS maternity benefit = (Average monthly salary credit ÷ 180) x Number of paid leave days
The following are the methods to figure out your SSS maternity benefits using the calculation above:
1. Do not include the semester in which you give birth or have a miscarriage in your calculations.
For example, if your delivery date is June 2021, exclude the months of January to June 2021.
2. Count backwards from the month before the semester of delivery or miscarriage by 12 months.
The 12-month period is from January to December 2020, according to our example given above.
3. Get the total monthly salary credit or MSC for the 12-month period.
For assistance in locating your MSC, see the table of SSS contributions below. For instance, if your monthly pay is PHP 30,000 from January to December 2020, your MSC is PHP 20,000. PHP 120,000 would be the total of your six highest MSCs that is: PHP 20,000 x 6.
4. Determine your average daily salary credit or ADSC.
To calculate your daily maternity allowance, divide your average MSC by 180 days. Based on our example earlier, your ADSC is PHP 666.67 if your MSC is on average PHP 120,000 each year.
Average Daily Salary Credit is calculated by "dividing the sum of the six (6) highest monthly salary credits in the twelve-month period immediately preceding the semester of contingency by one hundred eighty."
5. Get the total amount of your SSS maternity benefit.
To calculate your total SSS maternity benefit, multiply your ADSC by the number of days you'll be out of work while you're pregnant. Normal or caesarean delivery lasts 105 days, 120 days for single parents, and 60 days for miscarriage, abortion, or stillbirth.
Here is a sample computation of your SSS maternity benefit if your salary is in the maximum MSC of PHP 20,000:
- For normal/caesarian delivery: (PHP 120,000 ÷ 180) x 105 days = PHP 70,000
- For solo parents: (PHP 120,000 ÷ 180) x 120 days = PHP 80,000
- For miscarriage/abortion/stillbirth: (PHP 120,000 ÷ 180) x 60 days = PHP 40,000
The benefit is advanced in full by the Employer to the qualified female employee within 30 days from the date of filing the maternity leave application. It will be credited to your payroll account. Finance will send a notification to your email to confirm the computation and address any concerns related to your claim.
If you're expecting a child, remember that you'll still be paid the full amount of your salary while you're away. Companies must pay the salary differential, which is the difference between their covered workers' full income and their actual SSS benefit, as mandated by the Expanded Maternity Leave Law.
Computation of Salary Differential:
Please raise a ticket to Finance for any concerns or clarifications.
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