Filipina employees who are registered with the Social Security System (SSS) are entitled to maternity benefits, which can amount to up to 70,000 pesos. These benefits can provide financial support for expectant mothers, helping to cover medical expenses, childcare costs, and other related expenses.
To avail of these benefits, SSS members must meet certain eligibility requirements and follow the necessary application procedures. In this guide, we will provide a step-by-step process for SSS members to avail of their 70K maternity benefits.
In the Philippines, the Social Security System (SSS) provides maternity benefits to female employees who are registered with the fund. This benefit is designed to support expectant mothers by providing financial assistance during pregnancy and childbirth.
To qualify for SSS maternity benefits, female employees must have paid at least three (3) monthly contributions within the 12-month period immediately preceding the semester of their childbirth or miscarriage.
They must also have informed their employer of their pregnancy and their intent to avail of the maternity benefits and have submitted the necessary documents to the SSS.
Availing of the 70K SSS Maternity Benefits in the Philippines can be a straightforward process as long as you follow the necessary steps.
The good news is that the amount of benefit you can receive is quite substantial
- up to 70,000 pesos for normal delivery or miscarriage,
- 80,000 pesos for solo mothers, and
- 40,000 pesos for a miscarriage, ectopic pregnancy, stillbirth, or emergency termination of pregnancy.
To ensure that you get the maximum benefit, it’s important to keep in mind the amount and timing of your contributions, as well as to notify the SSS of your pregnancy. If you are employed, your employer can assist you with the application process.
But if you are self-employed, voluntary, OFW, kasambahay, non-working spouse, or recently separated from your employer, you will need to handle the process on your own. By following these guidelines, you can be sure that you are availing yourself of the full benefits that you are entitled to.
Step-by-Step Guide to Claim PHP 70,000 SSS Maternity Benefits
1. Know your semester of contingency based on when you will give birth.
Your semester of contingency refers to two quarters ending on the quarter that includes the month of your expected delivery. To determine this, look at the calendar year and identify which quarter includes the month of your delivery.
2. Make six contributions to SSS within the 12-month period before your semester of contingency.
To qualify for the maximum benefit, you need to have made six contributions to the SSS within the 12-month period before your semester of contingency. Check your Monthly Salary Credit and corresponding Amount of Contribution to ensure that you’ve contributed the right amount.
3. Submit a maternity notification before giving birth.
You can submit your maternity notification online through the SSS website or mobile app. If you don’t submit this notification before giving birth, you won’t be eligible for the benefit, unless you had a miscarriage or didn’t know you were pregnant, in which case you’ll need to provide additional proof.
4. After you give birth, submit a maternity benefit claim online.
Once you’ve completed the above steps and given birth, you can now apply for the maternity benefit through the SSS website. Follow the prompts, provide the necessary information, and upload the required documents. You’ll receive an email confirming your successful submission, so make sure to take note of the transaction number.
Remember, you have up to ten years to apply for your maternity benefit, so make sure to take advantage of this financial assistance if you’re eligible. With these steps, you can now confidently avail of the maximum SSS maternity benefit of Php 70,000.
Computation for Availing the 70k SSS Maternity Benefits
- Determine your semester of contingency, which is two quarters ending on the quarter that includes your expected delivery month. For example, if your EDD is June 2023, your semester of contingency is January 2023 to June 2023.
- Identify the 12-month period before your semester of contingency, which is January 2022 to December 2022. You need to pay at least six months’ worth of contributions within this period.
- Look for the Php 20,000 Monthly Salary Credit from the 2023 SSS Contributions Schedule table based on your membership type.
- Trace the amount of contribution based on your monthly salary credit. The amounts vary depending on your membership type.
- Multiply the highest Monthly Salary Credit by six months. Then divide the result by 180 to get your average daily working wage for the last 6 months prior to semester of contingency.
- Multiply the average daily working wage by 105 for Normal/CS delivery, 120 for solo parents, and 60 for miscarriage/ectopic/stillbirth. The result is the maximum amount of SSS maternity benefits you can avail.
Let’s say you are an employed member of SSS with a monthly salary credit of Php 16,000. Your Expected Delivery Date (EDD) is on September 2023.
- Look for the Php 20,000 Monthly Salary Credit from the 2023 SSS Contributions Schedule table based on your membership type. Based on the table, your Monthly Salary Credit is Php 16,000.
- Trace the amount of contribution based on your monthly salary credit. The monthly contribution for employed members with a Monthly Salary Credit of Php 16,000 is Php 792.
- Multiply the highest Monthly Salary Credit by six months. Php 20,000 x 6 = Php 120,000
- Divide the result by 180 to get your average daily working wage for the last 6 months prior to semester of contingency. Php 120,000 ÷ 180 = Php 667
- Multiply the average daily working wage by 105 for Normal/CS delivery, 120 for solo parents, and 60 for miscarriage/ectopic/stillbirth. Php 667 x 105 = Php 70,035
Therefore, if you give birth normally or via CS delivery, you can avail a maximum amount of Php 70,035 as SSS maternity benefits.
To make it easier, you can use an online calculator to compute your maximum SSS maternity benefit. After paying your monthly contributions, you can verify your calculations online via the SSS website. Now that you know the exact calculations, you can confidently apply and avail of the maximum SSS maternity benefits you are entitled to.
Video: 70K SSS Maternity Benefit / How To Compute and Claim | House Caraan
In this video, the vloggers provide an in-depth discussion about the new SSS maternity law. They will cover everything from eligibility requirements to the application process and necessary documentation.
Most importantly, they will walk you through the steps to compute your maternity benefit so that you can make the most of this new law. Whether you’re a first-time mother or an experienced parent, this video is a must-watch for anyone looking to take advantage of this important benefit.
Frequently Asked Questions
1. Who is eligible to avail the 70K SSS maternity benefit?
All female SSS members who have paid at least six months of contributions within the 12-month period prior to their semester of contingency are eligible to avail the 70K SSS maternity benefit.
2. What is the semester of contingency?
The semester of contingency is a period of two quarters ending on the quarter that includes the month of a member’s expected delivery.
3. Can I submit my maternity notification after I give birth?
It is strongly advised that you submit your maternity notification before giving birth. However, if you were unable to do so, you can still file for your maternity benefit claim within ten years after giving birth.
4. How many months worth of contribution should I pay within the 12-month period prior to my semester of contingency?
You should pay six months worth of contribution within the 12-month period prior to your semester of contingency.
5. Can I still avail the 70K SSS maternity benefit if I had a miscarriage or ectopic pregnancy?
Yes, you can still avail the SSS maternity benefit for miscarriage or ectopic pregnancy, but the amount of benefit will be lower at 60% of the average daily salary credit.
6. Can I pay my SSS contributions online?
Yes, you can now pay your SSS contributions online. Visit the SSS website to learn how.
7. How can I compute for my SSS maternity benefit?
You can use the SSS maternity benefit calculator or follow the step-by-step guide provided in this video to compute for your SSS maternity benefit.
8. What are the documents required to file for my SSS maternity benefit claim?
The documents required to file for your SSS maternity benefit claim include your maternity notification, ultrasound report, birth certificate, and proof of SSS contributions.
Being a registered member of the SSS can greatly benefit Filipina employees during their pregnancy. The 70,000 pesos in maternity benefits can help alleviate the financial burden that comes with pregnancy and childbirth.
By following the steps outlined in this guide, SSS members can ensure that they meet the eligibility requirements and complete the necessary procedures to avail of their maternity benefits.
It is important for expectant mothers to be aware of their rights and take advantage of the support provided by the SSS to help them through this important and exciting time in their lives.