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

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 = P472.22 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, P472.22 x 105 days = P49,583.33 Total Matenity Benefit

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

P472.22 x 120 days = P56,666.40 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


  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 Tina G.

    Mommy krystal ask ko lang kung pasok ba ko sa maternity benifits ng sss, kaka start ko lang kasi nung oct.2019, ang due date ko sa May 2020 dahil kambal ang baby ko automatic na cs talaga ako. Kung sakali na maka avail ako. Paano po cumputation nun? 3 months lang po ba? 1200 ang monthly contrib. Ko po. thank in advance sa rply mo mommy πŸ₯°

    1. mommykrystal mommykrystal

      Hi Momsh. Here you go…

      P10,000 x 3 months = P30,000

      P30,000 / 180 days = P166.67 daily benefit

      P166.67 x 105 days = P17,500 total maternity benefit

  4. Avatar Dranie

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

    1. mommykrystal mommykrystal

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

  5. Avatar Marie

    Hi Momsh!

    I’ve got a question, EDD ko is July 9. So dapat may bayad ako between April 2019-March 2020. Since December ngayon at alam ko pwede magbayad ng quarterly, pwede ko ba gawin yon para mabayaran yong Oct-Dec? Ngayon lang din ako magbabayad as a volunteer eh.

    Pero nabasa ko kasi na ebabase ni SSS kung kailan ako manganganak… So what if nanganak ako ng June instead of July. So magiging useless ba yong binayad ko?

    1. mommykrystal mommykrystal

      Hi Marie. Yes, you may pay for Oct to Dec 2019 contribution until the deadline – Jan 2020. Kung mapaaga ang panganganak mo, ang required contribution mo na is 3 months contribution from Jan to Dec 2019. Kaya you really need to pay Oct to Dec 2019 para sure ka na maka-avail ng maternity benefit, just in case excited lumabas si baby. πŸ˜€

  6. Avatar Jho-an M. Patdo

    Hi po. Pano po kung pang 3rd child na po. Hindi po ba mababawasan ung sa computation ng hulog? 1st and 2nd po hindi po ako naka avail ng maternity benefits kc po wala pa ako hulog. Bali po first time lng mag aavail. Salamat

  7. Avatar Riza

    Hi mommy Krystal, kakastart ko lang po mag contribute nung January 2020 and ang due date ko po is july or august, makaka avail pa po ba ako?

    1. mommykrystal mommykrystal

      Hi Momsh, how many months ang nabayaran mo po from April 2019 to March 2020? If you paid at least 3 months during that period, qualified ka na for maternity benefit. πŸ˜€

  8. Avatar Althea

    Hi Momsh!

    Ask ko lang what if complete ung hulog mo from Jan 2019 upto March 2020 pagbabasihan parin ba ung 6 highest contribution mo ung kabuan kung ilang buwan ung nahulog? Thank you ❀️

    1. mommykrystal mommykrystal

      Hi Momsh. Yes, yung 6 highest monthly contributions mo ang pagbabasehan ng computation. πŸ˜€

  9. Avatar Shane Torres

    Hello po, nakapagbayd po ako nung Oct- Dec 2019 and Jan-March 2020, need ko pa po ba mgcontinue ng bayad until sa due ko which is Sept? or quota na ako dun. yung highest kasi inavail ko. Thank you

    1. mommykrystal mommykrystal

      Hi Momsh. Yung 12 months contingency period mo is from April 2019 to March 2020. So, ung payments mo from April 2020 onward, di na un kasama sa computation.

  10. Avatar Shey

    Hello, my EDD is Oct. 22, 2020. Complete contribution po ako until this May 31, 2020 as employed, but starting June 1, I got separated from work and will pay my contribution as voluntary. How will I compute for my maternity benefits and what will be it’s coverage? Kasama po ba sa magiging computation ng Maternity Benefit yung voluntary contribution ko o magbebase pa din po sa 6months highest contribution ko pa din? Thank you

    1. mommykrystal mommykrystal

      Hi Momsh. If you due date is October, your 12-month contingency period is July 2019 to June 2020. You are already qualified for maternity benefit kasi complete naman yung contributions mo until May 2020. And yes, even if you pay the June 2020 contribution as voluntary, they will still select the 6 months with the highest contributions.

  11. Avatar Jennifer

    Panu po kung pasok po aku sa 6 pyment ehh .. ang sahod ku po ay minimum po panu po ung compute nun mam.πŸ™‚πŸ™‚πŸ™‚

    1. mommykrystal mommykrystal

      Hi momsh. How much ung contribution na bnabayaran per month?

  12. Avatar Jennifer

    Nasa 500+ plus po ung kinakaltas sakin nung company namin mam every month.. july 29 2020.. po ung delivery time ku .. and ung first at last kung hulog mam.. is feb1 2019 to nov 2019..

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