Tuesday, February 7, 2012

SSS Maternity Benefits

 
 
 
 
What is the maternity benefit?
The maternity benefit is a daily cash allowance granted to a female member who was unable to work due to childbirth or miscarriage.
What are the qualifications for entitlement to the maternity benefit?
  1. She has paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.
  2. She has given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.
Is the voluntary or self-employed member also entitled to the maternity benefit?
Yes, A voluntary or a self-employed member is entitled to the maternity benefit provided that she meets the qualifying conditions.
How much is the maternity benefit?
The maternity benefit is equivalent to 100 per cent of the member’s average daily salary credit multiplied by 60 days for normal delivery or miscarriage, 78 days for caesarean section delivery.
How is the maternity benefit computed?
  1. Exclude the semester of contingency (delivery or miscarriage).

        A semester refers to two consecutive quarters ending in the quarter of contingency. 
        A quarter refers to three consecutive months ending March, June, September or December.
  2. Count 12 months backwards starting from the month immediately before the semester of contingency.
  3. Identify the six highest monthly salary credits within the 12-month period.

    Monthly salary credit means the compensation base for contributions benefits related to the total earnings for the month. Please refer to the table below.
     


    Range of 
    Compensation    		Monthly 
    Salary Credit
    1,000 - 1,249.991,000
    1,250 - 1,749.991,500
    1,750 - 2,249.992,000
    2,250 - 2,749.992,500
    2,750 - 3,249.993,000
    3,250 - 3,749.993,500
    3,750 - 4,249.994,000
    4,250 - 4,749.994,500
    4,750 - 5,249.995,000
    5,250 - 5,749.995,500
    5,750 - 6,249.996,000
    6,250 - 6,749.996,500
    6,750 - 7,249.997,000
    7,250 - 7,749.997,500
    7,750 - 8,249.998,000
    8,250 - 8,749.998,500
    8,750 - 9,249.999,000
    9,250 - 9,749.999,500
    9,750 - 10,249.9910,000
    10,250 - 10,749.9910,500
    10,750 - 11,249.9911,000
    11,250 - 11,749.9911,500
    11,750 - 12,249.9912,000
    12,250 - 12,749.9912,500
    12,750 - 13,249.9913,000
    13,250 - 13,749.9913,500
    13,750 - 14,249.9914,000
    14,250 - 14,749.9914,500
    14,750 - O V E R15,000
  4. Add the six highest monthly salary credits to get the total monthly salary credit.
  5. Divide the total monthly salary credit by 180 days to get the average daily salary credit. This is equivalent to the daily maternity allowance.
  6. Multiply the daily maternity allowance by 60 (for normal delivery or miscarriage) or 78 days (for caesarean section delivery) to get the total amount of maternity benefit.
For example, let us say that an SSS member gives birth in December 2004.
  1. The semester of contingency would be from July 2004 to December 2004
  2. The 12-month period before the semester of contingency would be from July 2003 to June 2004
  3. Let us assume that the six highest monthly salary credits are P15,000 each. Thus, the total monthly salary credit would be P90,000 (P15, 000 x 6).
  4. The daily maternity allowance would be P500 (P90,000/180).
  5. The total maternity benefit due would be P30, 000 (P500 x 60 days) for normal delivery or P39,000 (P500 x 78) for caesarian cases.
Page last updated 28 February 2008



 Here's How to Compute:
1. In my case: I'm due on July 2012. I need to know my 3rd month of pregnancy which is January 2012, Then you have to go 12months backward from this Month, in my case it will be
January 2011 - January 2012


2.Some SSS member pay there contribution in different range of compensation. if you do that you have to determine the only 6 highest monthly Salary within that 12 months

For example:
January 2011   -  My Contribution is Php624.00
February 2011 -  Php572.00
March 2011     -  Php572.00
April 2011       -  Php624.00
May 2011        -  Php624.00
June 2011        -  Php624.00
July 2011         -  Php624.00
August 2011    -  Php572.00
September 2011 -Php624.00
October 2011  -  Php624.00
November 2011 -Php624.00
December 2011 -Php624.00
January 2012  -  Php624.00


**If you will pick up the 6 months highest contribution with these 12 months period it will be Php624.00 Contribution. If you will look at "The SSS Contribution Table" you can check your monthly  monthly salary credit and Range of compensation. 

In this case:

Total Contribution = Php 624.00
Month Salary Credit = Php6,000.00
Range of Compensation = Php5,750 - Php6,249.99


*You have to add the (6) Six monthly salary credit to get the total monthly salary credit:
 =6,000 x 6 (six months) = Php 36,000

*Then, divide the result to 180 days to get the average of daily salary credit:
=36,000 / 180 days = Php 200.00 your daily maternity allowance


*Then for Normal Delivery or Miscarriage multiply to 60 days to get your total SSS maternity benefits.
=200.00 x 60 days = Php 12,000  


*If its Caesarean Section Delivery multiply to 78 days to get your total SSS Maternity benefits.
=200 x 78 days = Php 15,600.00




If you have any questions that you think I can help you let me know or you can visit SSS Website at https://www.sss.gov.ph






 


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