HOW TO COMPUTE SSS MATERNITY BENEFIT 2025 [GUIDE]

HOW TO COMPUTE SSS MATERNITY BENEFIT 2025 [GUIDE/APPLICATION]

📌 Eligibility Requirements

To qualify for the benefit, you must:

• Have paid at least 3 monthly contributions within the ** 12 months immediately before the semester** of your childbirth or miscarriage.

• If employed, you also must have submitted MAT‑1 notification to SSS via your employer. If self‑employed or voluntary, notify SSS directly via MySSS.

🧮 How the Benefit Is Computed

Step 1️⃣: Determine the “Semester of Contingency”

• A semester is two consecutive quarters ending in the quarter of your expected delivery.

• Example: If your EDD is August 2025 (3rd quarter), your semester of contingency is Q2–Q3 2025 (April–September), so the contribution window is April 2024–March 2025.

Step 2️⃣: Identify the Six Highest MSCs Within That 12-Month Period

• MSC = Monthly Salary Credit (based on your monthly earnings) SEE TABLE HERE.

• The maximum MSC considered is ₱20,000/month, even if you earn more.

Step 3️⃣: Compute Your Average Daily Salary Credit (ADSC)

Step 4️⃣: Multiply ADSC by the Number of Compensable Days
105 days for live childbirth (normal or cesarean)
120 days if you're a solo parent (additional 15 days per RA 8972)
60 days for miscarriage or emergency termination
ADSC = (Total of 6 highest MSCs) ÷ 180

✅ Sample Calculation

Let’s break it down with an example:

• You had six months of maximum MSC of ₱20,000 during the contribution window.

• Total MSC = ₱20,000 × 6 = ₱120,000

• ADSC = ₱120,000 ÷ 180 = ₱666.67/day

Then:

• Normal/Caesarean Delivery (105 days):
  ₱666.67 × 105 = ₱70,000

• Solo Parent (120 days):
  ₱666.67 × 120 = ₱80,000

• Miscarriage (60 days):
  ₱666.67 × 60 = ₱40,000

This aligns with official SSS limits: even if your salary is above ₱20,000, your maximum benefit is ₱70k (or ₱80k for solo parent). If your monthly salary is higher, your employer must pay the salary differential to cover the remaining days.

🧾 Quick Reference Table

Scenario	ADSC	Days	Maternity Benefit
Live Childbirth (6 × ₱20k MSC)	₱666.67/day	105 days	₱70,000
Solo Parent	₱666.67/day	120 days	₱80,000
Miscarriage	₱666.67/day	60 days	₱40,000

❓Example – Personalized Estimate

If you share:

• Your expected month of delivery (e.g. September 2025)

• Your contribution status and monthly MSC amounts

ℹ️ What You Need to Check or Do

1. Log in to My.SSS to check your contribution history and MSCs.

2. Determine your expected delivery or contingency month to identify your eligible periods.

3. Gather your six highest MSCs for the calculation.

4. Submit your MAT‑1 notification early, and apply via My.SSS online.

5. If employed, your employer should advance the benefit and may need to pay salary differential if SSS benefits fall short of full salary.

📌 Disclaimer – SSS Maternity Benefit Computation

The computations, formulas, and examples presented in this blog are for general information and illustration only. They are not official calculations from the Social Security System (SSS) and may not reflect the most recent contribution tables, policies, or your own employment history.

Benefit amounts can vary depending on factors such as contribution dates, actual Monthly Salary Credits, changes in SSS rules, and individual circumstances. Before making any decisions, always verify your records and the latest guidelines through the official My.SSS portal, the SSS hotline, or by visiting an SSS branch.

The author and this website accept no liability for losses or damages—direct or indirect—that may arise from the use of, or reliance on, the information provided here.

(For Filipino readers)
Ang mga halimbawang kalkulasyon at impormasyon sa blog na ito ay gabay lamang at hindi opisyal na pahayag ng SSS. Siguraduhing kumonsulta sa opisyal na website o sangay ng SSS para sa pinakabagong patakaran at eksaktong benepisyo.