How to Compute SSS Maternity Benefits

If you are living under a rock, chances are you won’t be educated as regards to the benefits that the female has. One good example is the maternity benefits for Social Security System (SSS) members and this benefit is given to women who are unable to work due to childbirth or miscarriage. In this article, we will be teaching you how to compute for the SSS maternity benefits in order for you to know how much you can have if you are qualified for this benefit.

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Firsthand, we need to know what the SSS maternity benefit is. The SSS maternity benefit is a daily cash allowance granted to female members of the organization who are unable to work due to miscarriages or childbirths. This benefit is computed and in order for you to be aware if you are being given the right amount, you need to know how to compute for it.

Read: List of SSS benefits available for their members

Qualifications:

The qualifications for this type of benefit are as follows:

  1. The female member should have had paid at least three (3) monthly contributions within the 12-month period preceding the semester of her childbirth or miscarriage.
  2. She needs to have given the required notice or alert of her pregnancy through her employer or to the SSS (if self-employed).

The Computation

  1. Before anything else, you need to be aware that you need to exclude the semester of the contingency (either childbirth or miscarriage).
    • A semester refers to two (2) consecutive quarters ending in the quarter of sickness
    • A quarter refers to three (3) consecutive months ending March, June, September, or
  2. Count a full year (12 months) backwards starting from the month before the semester of the contingency.
  3. Distinguish the six highest monthly salary credits within the 12-month period from what you counted.
  4. Add the six highest monthly salary credits to get the total monthly salary credit. What you need to do then is to divide the total monthly salary credits by 180 days to get the average daily credit. ***The result is then equivalent to the daily maternity allowance that will be given.
  5. The last thing would be to multiply the daily maternity allowance by 60 (for normal delivery or miscarriage) or 78 (for cesarean section (C-section) delivery). ***The result is then equivalent to the total amount of the maternity benefit.

Read: How to reimburse SSS maternity benefits

More important points to remember:

  • The maternity benefit is equal to 100 percent of the member’s average daily salary credit multiplied by 60 days for miscarriage and normal delivery and 78 days for cesarean section delivery.
  • The monthly salary credit is the compensation base for contributions related to the total earnings in a month.

Example:

  • An SSS member will give birth in December 2016
  • The Semester of Contingency (SoC) would be from the month of July 2016 to December 2016.
  • 12-month period before the SoC would be from July 2015 – June 2016.
  • In this example, let’s say that the six highest monthly salary credits are P16, 000 each. So in conclusion, the total monthly salary credit would be P96, 000.00 (P16, 000.00 X 6).
  • Having this example, the daily maternity allowance would be P533.33 (P96, 000.00 / 180)

Thus, the total maternity benefit due would be P32, 000.00 for normal delivery or miscarriage (P533.33 x 60) and P41, 599.74 for cesarean section delivery (P500 x 78)

As you can see, the maternity benefit can ultimately aid an upcoming family. Regardless of how much the SSS member is earning, the benefit can overall improve the delivery of the baby or the situation of the miscarriage. Are you an SSS member and you are currently pregnant? What are you waiting for? Go and inform your employer or SSS directly, now.

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