Here's how much you can get from SSS Maternity Benefits (and how to compute it).
Last March 11, 2019, the 105-Day Expanded Maternity Leave Law (RA 11210 or EML) which extends the paid maternity leave to 105 days or up to 3 months, started to take effect as signed by former president, Rodrigo R. Duterte.
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Who are entitled to receive Maternity Leave benefits?
- Female workers in public and private sectors regardless of civil status (Single or Married).
- Self-employed/Voluntary/OFW SSS members.
- Terminated employees who had childbirth or miscarriage for not more than 15 days after her service is terminated.
- Solo parents.
- Female athletes.
- Women who had emergency termination of pregnancy or miscarriage.
Did you know that you can apply for SSS Maternity Benefits online?
What are the requirements?
- Employees or self-employed women should have paid at least 3 months of SSS contributions for the last 12 months before their delivery or emergency termination of pregnancy or miscarriage.
- Female employees who are non-SSS members will be covered through PhilHealth Circular No. 022-2014 or the "Social Health Insurance Coverage and Benefits for Women About to Give Birth".
- Ask for other requirements or forms needed by your employer or company.
When can you start availing for Maternity Leave?
- The earliest time is 45 days before the expected date of delivery.
- The latest time is 60 days after delivery.
How Much is the SSS Maternity Benefit Payout?
With the Expanded Maternity Leave Law eligible SSS members may receive maternity benefits of up to ₱80,000. The maximum benefit applies to members with a monthly salary credit (MSC) of ₱20,000 (those earning ₱19,750 and above per month).
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Maternity Benefits Computation
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 of the 12 month period.
For assistance in locating your MSC, see the table of SSS contributions. 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.
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. If you want to provide your leave credits to the child's father or another caregiver, you must deduct seven days from your total leave credits.
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Maternity Benefits Sample Computation
To help you out, 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
Note that you should also receive your full pay for the entire duration of your maternity leave. The Expanded Maternity Leave Law requires employers to pay for the salary differential, which is the difference between their covered employees' full salary and the actual cash benefit from the SSS.
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IMPORTANT NOTE: The rates, contact details and other information indicated in this post are accurate from the time of writing but may change without IMFWJ's notice. Should you know the updated information, please message us on Facebook.