How To Compute your SSS Maternity Benefit (For Voluntary, Self-Employed, and Separated from Employers)

How do I compute how much I'd get from my SSS Maternity Benefit?

Here's an example:

Mary is pregnant and is due to deliver her baby on September 9, 2020. She is an active voluntary paying SSS member and already submitted her maternity notification (Mat 1) to SSS. 

She wants to know how much she'd receive so let's help her compute her maternity benefit. She pays Php1500 per month which has an equivalent monthly salary credit of Php12,500.

Let's check her semester of contingency. A year comprises of four quarters or two semesters. A semester has two quarters. See below for reference:

Since Mary's due date is in September, her semester of contingency is between the third and the fourth quarter which means it is from July 2020 to December 2020. All payments made during this period will not be used when computing for the maternity benefit.

Now let's check her qualifying months. Let's use this table below. Just change the year as applicable.

Based on the above photo, her qualifying months are between April 2019 to March 2020. Below table shows her monthly salary credit based on her monthly contribution of Php 1500. 

Let us now compute her maternity benefit.

 

 

That's it. She can expect to receive Php 43,750 since she has been continuously paying the same amount within the 12-month period prior to her semester of contingency. 

To get the maximum of Php 70,000, one has to pay Php 2400 per month which has the equivalent monthly salary credit of Php 20,000.

Hope this simple guide helped you compute for your own SSS Maternity Benefit. Thanks.