mommy krystal sss maternity benefit
Mommy Hacks, Pregnancy

How to Compute for SSS Maternity Benefit – Expanded Maternity Law

So many of you have been asking how to compute for your SSS Maternity Benefit under the new Expanded Maternity Law. Yes, I’ve received your queries and I’m so sorry for not being able to respond quickly because, you know… kids.

But, ‘coz I love you guys, the objective of this post is to help you compute for your SSS Maternity Benefit. This way, you won’t have to wait for 3 months for me to respond to your questions. Hihihi!

Here’s a simple step-by-step guide:

1. You need to know your Monthly Salary Credit (MSC).

This is the equivalent salary credit based on the amount of contribution you paid during the month. Below is the table for Self-Employed, Voluntary, and Non-Working Spouse members. So, let’s say you paid a monthly contribution of P960 during November, then your MSC is P8,000. And if you pay P1,200 on December, then your MSC will be P10,000. And so on…

Monthly Salary CreditSS Contribution
2,000240
2,500300
3,000360
3,500420
4,000480
4,500540
5,000600
5,500660
6,000720
6,500780
7,000840
7,500900
8,000960
8,5001,020
9,0001,080
9,5001,140
10,0001,200
10,5001,260
11,0001,320
11,5001,380
12,0001,440
12,5001,500
13,0001,560
13,5001,620
14,0001,680
14,5001,740
15,0001,800
15,5001,860
16,0001,920
16,5001,980
17,0002,040
17,5002,100
18,0002,160
18,5002,220
19,0002,280
19,5002,340
20,0002,400

Note: This Contribution Schedule is only for Self-Employed, Voluntary, and Non-Working Spouse members. You may check the schedule for other membership types here.

2. Identify your Semester of Contingency.

I’ve talked about this before in How to Apply for SSS Maternity Benefit wherein we identified the 12-month period excluding the Semester of Contingency. And because I love you guys, I made a Cheat Sheet para hindi na sumakit ang ulo nyo.

Find your Due Date (month) from the table below and you’ll see the corresponding Semester of Contingency as well as the 12-month qualifying period. To qualify for SSS Maternity Benefit, you need to pay at least 3 monthly contributions during the 12-month qualifying period (3rd column).

Let’s say your due date is on July 2020. Then, to qualify for maternity benefit, you should pay at least 3 months contribution from April 2019 to March 2020.

mommy krystal sss maternity benefit

3. Select the 6 highest MSC from the 12-month period

Add up the 6 highest MSC to get your Total MSC (Review: MSC means Monthly Salary Credit). If you only have 3, 4 or 5 monthly contributions during the 12-month period, then only add the MSC for those months.

Let’s have some sample computations para di tayo ma-stress, momsh.

Say the below table summarizes your contributions during the 12-month period. I’ve identified the 6 highest monthly contributions and highlighted them in RED. The corresponding MSC of these contributions are the ones you will add up to get the Total MSC.

mommy krystal sss maternity benefit

4. Get the Average Daily Salary Credit

Divide the Total MSC by 180 days to get the Average Daily Salary Credit. The 180 days is a fixed denominator. So, even if you were only able to pay 3 monthly contributions, you will still divide your Total MSC by 180 days.

P85,000 Γ· 180 days = P777.78 Average Daily Salary Credit

5. Compute for the Total SSS Maternity Benefit

Multiply the Average Daily Salary Credit based on the following criteria:

  • Normal Delivery – 105 days
  • Ceasarean Delivery – 105 days
  • Abortion and Miscarriage – 60 days
  • Solo Parent (normal or ceasarean) – 120 days

So, P777.78 x 105 days = P81,666.90 Total Matenity Benefit

If the member is a solo parent, you just need to multiply the Average Daily Salary Credit by 120 days:

P777.78 x 120 days = P93,333.60 Total Maternity Benefit

Ganern lang kadali, momsh!

Well, what if you only paid 4 monthly contributions during the 12-month period? Your computation will look like this:

mommy krystal sss maternity benefit

So, P55,000 Γ· 180 days = P305.56 Average Daily Salary Credit

Then, multiply that by 105 days for either normal or caesarean delivery and you will get P32,083.33 Total Maternity Benefit.

If the member is a solo parent, then, P305.56 x 120 days = P36,667.20 Total Maternity Benefit

O diba, ang dali lang pala?

I hope this post enlightens all the “windang” moms-to-be out there so that they may stop stressing about their SSS Maternity Benefit already… and just enjoy their pregnancy!

Lots of love,

mommy krystal sss maternity benefit

6 Comments

  1. Avatar Lennylyn

    Mommy krystal, what if ang due date ko is first week of april pero sabi ng OB ko, CS na raw ako sa last week ng march. Ano ang susundin ni SSS sa pagcompute ng maternity benefit ko? Tnx

    1. mommykrystal mommykrystal

      Hi Lennylyn, SSS will follow the date of your delivery which will be March 2020. πŸ˜€

  2. Avatar Megan

    Always so helpful, will definitely share!

    1. mommykrystal mommykrystal

      Aawww.. Thank you!

  3. Avatar Dranie

    Finally! Matagal na naming hinihintay tong post na to. Hahahaha! Salamat momsh.

    1. mommykrystal mommykrystal

      Hahaha! I know right? Sorry na! πŸ˜€

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