Expecting a baby can be both exciting and overwhelming for any mother, but it doesn’t have to be financially draining. In the Philippines, the Social Security System (SSS) provides maternity benefits to female members who have paid at least three monthly contributions before their pregnancy.
Starting in 2023, female members can avail of a maximum of Php 80,000 in maternity benefits. However, navigating the process of applying for this benefit can be quite challenging without proper guidance.
This guide aims to provide expecting mothers with a detailed step-by-step procedure on how to avail of the 70k SSS maternity benefit in 2023.
From eligibility requirements to application procedures, this guide will equip you with the necessary information you need to successfully avail of this benefit and ease the financial burden that comes with pregnancy and childbirth.
What is the SSS Maternity Benefit?
The SSS Maternity Benefit is a benefit provided to female SSS members who cannot work due to childbirth, including miscarriage or emergency termination of pregnancy.
It is given in the form of a daily cash allowance, which amounts to 60 or 120 days of the member’s basic salary credit depending on the member’s number of paid contributions.
The calculation of the benefit involves multiplying the individual’s average daily salary credit (ADSC) by either 105 days, in the case of normal delivery or cesarean section, or by 60 days in the case of miscarriage or emergency termination of pregnancy.
For solo parents, an additional 15 days will be given. This means that qualifying members will receive support equivalent to 100% of their ADSC during the covered period to help them cope with the financial demands of having a new child.
How much is the maximum maternity benefit amount?
The highest allowable maternity benefit from the Social Security System (SSS) is ₱70,000, and it is applicable to members with a monthly salary credit (MSC) of ₱20,000 or more, including those who earn ₱19,750 or higher each month.
This means that eligible members who have contributed to the Social Security System can receive up to ₱70,000 in maternity benefits depending on their MSC.
However, for a solo mom, this amount goes up to ₱80,000.
You may also like: the SSS Contribution Table for Voluntary and Non-Working Spouses
Who is eligible to avail of the SSS maternity benefit?
All female SSS members who have paid at least 3 months’ worth of monthly contributions within the 12-month period immediately preceding the semester of their childbirth or miscarriage are eligible for the maternity benefit.
What are the required contributions to avail SSS maternity benefit?
To avail of the maternity benefit provided by the Social Security System (SSS), there are certain contributions that must be met.
To be eligible for certain benefits related to childbirth, miscarriage, or emergency termination of pregnancy, a member must have made a minimum of three monthly contributions within the 12 months leading up to the semester in which such an event occurs.
Additionally, it is important for employed members to inform their employers as soon as they are aware of their pregnancy, as this allows for proper notification of the SSS.
By meeting these requirements, eligible members are able to receive financial assistance to help alleviate the costs associated with having a child or experiencing a pregnancy-related emergency.
How to Avail 70k SSS Maternity Benefit: Requirements and Process
Let’s go through the steps on how to avail of the 70k SSS maternity benefit in 2023.
What are the requirements to apply for SSS maternity benefits?
To apply for the SSS maternity benefit, the following requirements must be submitted:
What is the process to apply for SSS maternity benefits?
The process for applying for the SSS maternity benefit is as follows:
- Notify your employer or file the maternity notification as a voluntary or self-employed SSS member.
- Submit the maternity benefit application together with the required documents to the nearest SSS office.
How to compute SSS maternity benefits?
The SSS maternity benefit is computed based on the member’s Average Daily Salary Credit (ADSC) for normal delivery, premature birth, or miscarriage.
For those giving birth in 2023 and beyond, the maternity benefit is computed based on the member’s monthly salary credit.
Requirements to Avail 70k SSS Maternity Benefit in 2023
To be eligible for the 70k SSS maternity benefit, certain requirements must be met:
Must Notify 60 Days From the Date of Conception
Female SSS members who are pregnant must notify their employers at least sixty (60) days from the date of conception, or as soon as the pregnancy is confirmed to ensure that they can avail of the maternity benefit at the time of delivery.
Requirements for SSS Maternity Benefit Application
The requirements for the SSS maternity benefit application are the following:
- Maternity Notification
- SSS ID or two (2) valid IDs
- Certification from the employer or a copy of the Form 2316, if employed at the time of pregnancy
- Marriage Contract or any valid ID, if married
Is maternity notification needed for normal delivery or miscarriage?
Maternity notification is a crucial aspect of childbirth, and it is required regardless of the type of delivery, whether it is a normal birth or a miscarriage.
The notification ensures that appropriate medical care and support are provided to the mother and baby, and it facilitates the proper documentation of the birth.
Even if the birth ends in a miscarriage, the notification is still necessary to ensure that the healthcare provider can monitor any potential complications and offer the necessary treatment or support.
Therefore, it is important to promptly inform the relevant authorities and healthcare providers of any pregnancy or childbirth, as timely notification can help ensure a safe and healthy outcome for all involved.
How to Apply for SSS Maternity Benefit Online?
SSS members can apply for maternity benefits online through the SSS website. Here’s how to do it:
How to apply for SSS maternity benefits online via the SSS website?
To apply for SSS maternity benefits online via the SSS website, you need to have an SSS account.
- Log in to your SSS Account
- Click E-Services
- Click Apply for Maternity Benefit
- Fill out the Maternity Benefit Application
- Attach the required documents.
You will receive a notification once your application is processed, and your benefit will be credited to your bank account.
Can employed and self-employed SSS members apply for maternity benefits online?
Yes, both employed and self-employed SSS members can apply for maternity benefits online.
For employed members, they would need to submit the necessary documents to their employer or HR officer who will then notify SSS about their pregnancy.
It is possible for individuals who have enrolled in My.SSS online to submit their SSS Maternity Notification through the SSS website.
As for self-employed members, they can submit their Maternity Notification form directly to SSS. The online option provides a more convenient and hassle-free way for members to apply for maternity benefits without having to personally visit an SSS branch.
How to Claim 70K SSS Maternity Benefits With Ease?
Here are the important reminders for claiming SSS maternity benefit:
How to receive SSS maternity benefits?
If you are a female member of the Social Security System (SSS) and you are about to give birth or have recently given birth, you may be entitled to receive maternity benefits.
To receive this benefit, you will need to file a claim for maternity benefits. You can do this in person by visiting the nearest SSS Branch and filling out an application form.
The necessary documents, such as your birth certificate and prenatal care records, will also need to be submitted with your application.
After you’ve submitted your application, a Social Security Officer will carefully review and assess it to determine whether your claim meets the necessary criteria for approval or denial.
It’s important to note that the amount of the benefit will depend on your average monthly salary credit and the delivery or miscarriage that you had in a year.
When is the payment of the SSS maternity benefit?
Once a member has notified the Social Security System (SSS) of their pregnancy, they can begin the process of claiming their maternity benefit.
You can apply for this benefit as early as 60 days prior to your expected delivery or within 7 days after the baby is born.
It is important to note that the payment of the SSS maternity benefit will only be processed once all requirements have been submitted, including the maternity notification and the birth certificate.
Once these documents are complete, members can expect to receive their benefits within a few months of submitting the claim.
Can solo parents with a six-month-old child avail of SSS maternity benefits?
No, a solo parent is not eligible to receive SSS Maternity Benefit if her child is above six (6) months old at the time of registration.
Other Important Reminders for Reimbursement of SSS Maternity Benefit
Here are other important reminders that you need to know:
What is the salary credit requirement for SSS maternity benefits?
The salary credit requirement for SSS maternity benefit is based on the member’s monthly salary credit. The monthly contributions of the member are the basis for the benefit computation. The maximum SSS maternity benefit a female member can receive is Php 80,000.
What to do in case of emergency termination of pregnancy?
In case of emergency termination of pregnancy, the member must file the maternity notification and the maternity benefit application within ten (10) days from the date of termination.
What is the duration of the semester of contingency for SSS maternity benefit?
The Semester of Contingency is a crucial period used to determine the eligibility of a pregnant woman for SSS maternity benefits. This period is typically six consecutive months, or two consecutive quarters, also known as the semester.
During this time, the SSS assesses the woman’s contributions to the agency and calculates whether she meets the required number of premiums to qualify for the benefit.
The Semester of Contingency starts from the first month of pregnancy and lasts until the anticipated delivery month.
This means that the benefit may only be claimed after a woman has completed the Semester of Contingency and has given birth to a child.
Thus, it is essential to submit all necessary documents to the SSS on time to avoid any delays or issues with claiming the benefit.
You can also read: Expert Tips on Finding Your Lost or Forgotten SSS Number
Final Summary About SSS Maternity Benefits
To avail of the 70k SSS maternity benefits in 2023, pregnant women should ensure to have paid at least three monthly contributions within 12 months before their delivery date.
Women should also register their pregnancy by submitting a notification of pregnancy form, medical certificate, and proof of payment.
Upon giving birth, they must submit a maternity notification form indicating the date of delivery, a copy of the child’s birth certificate, and proof of payment.
Following these steps will ensure that pregnant women receive their rightful benefits from the SSS. It is crucial to be aware of the requirements and deadlines to avoid any delays in receiving the benefits.
While maternity reimbursement helps through delivery and leave, childcare costs continue after birth. Be sure to also research options like:
- SSS Salary Loans – Up to 36 monthly payments at low interest
- SSS Educational Assistance – For school fees of children under 21 years old
- PhilHealth Dependents – Health insurance for eligible dependents
Growing your family is an exciting adventure. Let the SSS maternity benefits program provide a little financial breathing room along the journey.