How to Avail 70k SSS Maternity Benefits? & Compute

SSS maternity benefits for all those subjects who have contributed to the SSS funding program. If a subject meets the eligibility criteria and has all the required documents, she can avail of the opportunity to get a P70,000 SSS maternity benefit.

Becoming a mother is one of the most beautiful parts of a woman’s life. It is the time when you should be highly vigilant about your physical activities and should take leaves near the due date. At that moment, you can get a maternity benefit of P70,000 if you meet the eligibility criteria and apply without missing any documents.

Here is a list of documents you need to avail P70,000 SSS maternity benefit:

Documents Required to Avail P70,000 SSS Maternity Benefits

1. An applicant must provide the ID documents.
2. An applicant must provide SSS ID details.
3. An applicant must provide a certification from an employer to know if she is employed.
4. An applicant must provide a marriage certificate if she is married.
5. An applicant must provide a medical certificate to prove the pregnancy.
6. An applicant must fill out the SSS Form MAT-1.

Application Procedure

If you gather all the documents, the next step is to apply for maternity benefits. For this, you can acquire various methods, such as you can acquire the online method or you can visit the SSS office. Additionally, you can use an SSS mobile application to apply for P70,000 maternity leave.

SSS Maternity Qualifying Period 2024

The majority of the women are unfamiliar with the eligibility criteria for SSS maternity benefits, but still, are willing to apply for the benefits. However, you cannot get the funding if you do not meet the eligibility criteria for the SSS P70,000 maternity benefits.

Here are the eligibility criteria for the SSS maternity:

Eligibility Criteria

• An applicant must have paid at least 3 months’ contributions within the last 12 months.
• An applicant must have paid those 3 months’ contributions before a semester of delivery.
• An applicant must have informed or notified the employer about pregnancy if she is employed.
• An applicant must inform the employer before 60 days from the due date.

Simple Steps to Check Eligibility

• Start by reviewing the month in which childbirth, pregnancy, or miscarriage fall.
• Now count back 12 months and you will know when you began paying contributions.
• Check the SSS portal to see whether you have made at least 3 contributions within the last 12 months.

How to Compute Maternity Benefits in SSS?

Computing the maternity benefits in SSS is a bit of a complex task, but with the help of the example I have provided below, you can effortlessly compute. Before we start discussing the formulas and examples, you need to gather all the information of the last 12 months, including leaves, date of contingency, and your MSC.

You can also use online SSS

Example: Alexa works as a marketing manager in a car wash company. Her last 6 highest MSCs within 12 months are P12,000, P13,000, P14,000, P15,000, P16,000, and P17,000.

Step-by-Step Method to Compute Maternity Benefits

Step: Identify the expected due date.

Let’s say it is July 1st, 2024.

Formula to Calculate Maternity Benefits

Maternity benefit = (Average MSC ÷ 180) x number of paid leaves

Step 2: Exclude the semester of delivery.

Note: The 12-month period starts before 6 months of delivery and ends after 6 months of delivery. If the due date is July 2024 then December 2023 is the starting date and January 2025 is the ending date. Hence, the 12-month period is December 2023 to January 2025, excluding the month of delivery.

Step 3: Calculating average MSC.

P12,000 + P13,000 + P14,000 + P15,000 + P16,000 + P17,000 = P87,000

P87,000 / 6 = P12,500 Average MSC

Step 4: Calculating average daily salary.

Formula: Average MSC / 18 = Average Daily Salary

P145,000 / 18 = P806

Step 5: Calculating maternity benefits.

Maternity leaves in normal cases are 105.

The average daily salary is P806.

Maternity Leaves x Average Daily Salary = Maternity Benefits

105 x P806 = P84,630 is the maternity leave amount.

How Can I Apply for SSS Maternity Benefits Online?

The application process is not complex if you meet the eligibility criteria and have the required documents. Before we start discussing the application method, you should see the eligibility criteria explained above along with the required documents.

Here is a step-by-step guide to applying for SSS maternity benefits online.

Step 1: Go to the My. SSS via the link provided below https://member.sss.gov.ph

Step 2: Enter your username and password, then click on the login button.

Step 3: If you do not have an account then you need to register yourself, so click on the Register button below.

Step 4: Read all the details, including terms and conditions, and then click on the check button to proceed forward.

Step 5: Provide your details, including name, address, and email, or ID number.

Step 6: Log in to your Gmail and then go to the inbox.

Step 7: Open the recently received email and click on the Activate My Account.

Step 8: Create a password and then log in to your account.

Step 9: Click on E-Services and then open Maternity Benefit Application.

Step 10: Enter all the details, including the name, type of employment, employer name, date of contingency, etc.

Step 11: Upload the relevant documents I have listed above.

Step 12: Review your application and submit it.

Step 13: Track the application approval progress on My.SSS portal.

SSS Maternity Reimbursement How Long?

The last thing the majority of women are worried about during pregnancy is the maternity benefit. Some claim that their maternity benefit was 6 months late while others argue that their maternity benefit was not paid.

There are various factors that play a pivotal role in SSS maternity reimbursement duration, but one of the most significant is the responsibility of the employer.

Responsibility of Employer

It is the responsibility of the employer to give the money to an employee within 30 days of filling out the application. In case, the employer is unable to pay the reimbursement, an employee can take legal action against him. In short, it is paid within 30 days after submission of the application.

Sources claim that the amount is given by the employer in the beginning and then he claims the benefits from SSS. An employer has to provide the documents to SSS about the payment he has given to the employee. Later, the SSS finance department verifies the documents and releases funds.

SSS Maternity Leave Days

The maternity leave days depend upon a few factors, such as normal or solo maternity leaves. According to the SSS guidelines, the normal maternity days are 105 and the solo maternity days are 120, for a woman who has lost her partner or is separated from her partner.

Another condition is the miscarriage or emergency termination in which a subject can have 60 leaves. In optional cases, the maternity leaves can be increased based on the type of issue. In such cases, an employee can get 20 to 30 days of additional leave.

A woman not only gets P70,000 but also 105 leave days and if the employer hires another employee to replace the subject, she can file a case against him. The purpose of the SSS maternity benefit is to ensure that if a woman has no savings and has to experience delivery, she can have both physical and financial relief at the same time.

The method to avail of the SSS maternity leave is explained above with all the significant details, including eligibility criteria, required documents, and application process. I have also provided examples to compute maternity leave, so you do not need to search for a calculation method. Lastly, the details of reimbursement duration and other factors are mentioned.