Monday, March 10, 2014

How to Compute the SSS Maternity Benefit

Updated Step by Step Guide on how to apply for SSS Salary Loan Online

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After you have successfully submitted your Maternity notification to SSS, the next question you probably have in mind is how much maternity benefit would you get. Prior to computing the amount of benefit, determine first the date range when the 12 month petiod would fall based on your expected date of delivery.

Let us say that you are expected to give birth in December 2014, exclude the semester of contingency from July 2014 to December 2014. Count 12 months backward. The 12 month period would be from July 2013 to June 2014.  These are the important dates that you need to have at least three months contribution to qualify for maternity benefit. Get your six highest monthly salary credit within that period,

Scenario 1
If you pay premium payments from January to June 2014 that corresponds to the  16,000 salary credit (that means you are paying the maximum monthly contribution as voluntary member (based on the 2014 schedule) with 1,760.00 monthly), the computation of your maternity benefit would be as follows:

  1. Add the six highest monthly salary credits to get the total monthly salary credit.
    16,000 x 6 months = 96,000
  2. Divide the total monthly salary credit by 180 days to get the average daily salary credit. This is equivalent to the daily maternity allowance.
    96,000 / 180 days = 533.33
  3. Multiply the daily maternity allowance by 60 (for normal delivery or miscarriage) or 78 days (for caesarean section delivery) to get the total amount of maternity benefit.

    533.33 x 60 days = P 32,000 for normal delivery
    533.33 x 78 days = P 41,600 for caesarean delivery
Scenario 2

If you pay premium payments from July 2013 to December 2013 that corresponds to the  15,000 salary credit (that means you are paying the maximum monthly contribution as voluntary member (based on the 2013 schedule), afterwhich you only pay 550.00 monthly contribution from January to June 2014 which is lower than your previous payments, the computation of your maternity benefit would be as follows:



  1. Add the six highest monthly salary credits to get the total monthly salary credit.
    15,000 x 6 months = 90,000
  2. Divide the total monthly salary credit by 180 days to get the average daily salary credit. This is equivalent to the daily maternity allowance.
    90,000 / 180 days = 500
Multiply the daily maternity allowance by 60 (for normal delivery or miscarriage) or 78 days (for caesarean section delivery) to get the total amount of maternity benefit.

500 x 60 days = 30,000 mat benefit for normal delivery
500 x 78 days = 39,000 mat benefit for caesarean delivery

Scenario 3

You missed premium payments from July 2013 to December 2013 but you have payments from January to June 2014 with corresponding salary credit amounting to 5,000 (or you paid 550 monthly) your computation would be:
5,000 x 6 months = 30,000
30,000 / 180 days = 166.66 daily mat benefit
166.66 x 60 days = P 10,000 mat benefit for normal delivery
166.66 x 78 days = P 13,000 mat benefit for caesarean delivery

Scenario 4
You have premium payments from July 2013 to September 2013 with 5,000 salary credit (that means you have paid 520.00 monthly contribution). Then for some reason you failed to pay for the succeeding months. As the requirement requires you

to have at least three months contribution within the twelve month period preceding your semester of contingency, you still qualify for the benefit however you will only get this amount
5,000 X 3 months = 15,000
15,000 / 180 days = 83.33 daily maternity benefit
83.33 X 60 days = P 5,000 maternity benefit for normal delivery
83.33 X 78 days = P 6,500 maternity benefit for normal delivery


There you go...keep in mind, the higher your monthly contribution payment, the higher maternity benefit you will get.

And here is another post to help you in your finances. Find out how you can claim maternity and newborn care package thru Philhealth.