SSS Maternity Benefit Calculator: Payment Tables and Complete Guide

Calculating your SSS maternity benefit is quite straightforward for normal pregnancy and delivery. You’ll typically receive about 3.5 months of your salary if you have made regular contributions. For example, if you earn 15,000 monthly, expect around 52,500 in maternity benefits.

The amount will be different for miscarriage, single mothers, and high-income earners. If there were gaps in your contribution payments, the final benefit amount may be reduced. Continue reading to understand exactly how much you’ll receive based on your specific situation.

Maximum SSS Maternity Benefit

The maximum SSS maternity benefit is 70,000 (80,000 for single mothers). This applies to members with monthly salary of 20,000 or higher.

Why There’s a Limit

The 70,000 limit exists because SSS only counts the first 20,000 of your monthly salary for maternity benefits. Any contributions from salary above 20,000 go to a different program called WISP (Workers’ Investment and Savings Program), which is for retirement benefits, not maternity.

How to Get More Than 70,000

Your total maternity pay can actually be higher. If you earn more than 20,000 monthly, your employer must pay the salary differential – the difference between your actual salary and the SSS benefit.

However, for self-employed/voluntary members, the benefit is strictly limited to 70,000 (80,000 for single mothers) since there is no employer to cover the salary differential.

For example, if you earn 35,000 monthly:

SSS pays: 70,000
Employer pays: 52,500 (difference between your 3.5 months (105 days) salary and SSS benefit)
Total maternity pay: 122,500

Note: Some employers are exempt from paying the salary differential.
For complete details about qualifying conditions and necessary requirements, refer to Section 5 of Rule IV on page 10 in this official DOLE document.

RA-11210-IRR-of-the-105-Day-Expanded-Maternity-Leave Download

Detailed Calculation Formula

SSS determines your maternity benefit through a qualifying period, which is the 12 months before the semester of your childbirth or miscarriage. To find out which months are included in your qualifying period, use the calculator below. The computation starts with calculating your daily salary credit based on this qualifying period.

To calculate it, SSS takes your 6 highest-paid months from the qualifying period and divides their sum by 6 to get your average monthly salary. This amount is then divided by 30 to determine your daily salary credit. Your final maternity benefit is calculated by multiplying this daily salary credit by the number of leave days you’re entitled to – for example, 105 days for normal delivery.

SSS Maternity Qualifying Period and Semester Determinator

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Expected Delivery Month:

Qualifying Period
12 months before semester of contingency

Semester of Contingency
Current and previous quarters from expected delivery date

Important Note:

Your qualifying period depends on your actual delivery date. This is particularly important if you have irregular SSS contributions or varying monthly salaries. If your delivery date changes:

✅ You might have time to pay contributions for additional months that will be included in the new qualifying period, potentially increasing your benefit
⚠️ Some months might be excluded from calculation when the qualifying period changes

Basic Formula

Daily salary credit (sum of your salary from 6 highest-paid months ÷ 6 ÷ 30) × 105 days (for normal delivery)

Important: You must have at least 3 contribution months to qualify for maternity benefit. Having fewer than 6 contribution months will result in a lower benefit since the total is always divided by 6.

Calculation Examples

Examples showing how contribution months affect your final benefit amount with 15,000 monthly salary:

✅ With Complete 6 Months Contributions:

Six contribution months (6 × 15,000 = 90,000):
Daily salary credit = 90,000 ÷ 6 = 500 per day
Maternity benefit = 500 × 105 = 52,500

⚠️ With Minimum 3 Months Contributions:

Three contribution months (3 × 15,000 = 45,000):
Daily salary credit = 45,000 ÷ 6 = 250 per day
Maternity benefit = 250 × 105 = 26,250

Different Cases for SSS Maternity Benefit

The number of covered days varies depending on your delivery type:

📋 Normal Delivery or Cesarean Section:

105 days coverage
Example with 15,000 monthly salary and 6 contributions:
Daily salary credit = 90,000 ÷ 6 ÷ 30 = 500
Benefit = 500 × 105 = 52,500

👩‍👦 Single Mother:

Additional 15 days
For normal delivery = 120 days total
Same 15,000 salary example:
Daily salary credit = 90,000 ÷ 6 ÷ 30 = 500
Benefit = 500 × 120 = 60,000

👶👶 Multiple Births (Twins, Triplets, etc.):

Same 105 days coverage as single birth
SSS maternity benefit does not increase with multiple babies

⚕️ Miscarriage:

60 days coverage
Same example with 15,000 monthly salary:
Daily salary credit = 90,000 ÷ 6 ÷ 30 = 500
Benefit = 500 × 60 = 30,000

Learn more about the nuances of application, requirements and other important details for receiving maternity benefits

SSS Maternity Benefit Payment Table (2024)

This table shows approximate benefits for different cases (rounded to nearest 500):

Monthly Salary	Daily Rate	Normal Delivery (105 days)	Single Mother (120 days)	Miscarriage (60 days)
10,000	333	35,000	40,000	20,000
12,000	400	42,000	48,000	24,000
15,000	500	52,500	60,000	30,000
18,000	600	63,000	72,000	36,000
20,000+	667	70,000	80,000	40,000

Notes:

Table assumes full 6 months of contributions
With 3 months contributions, benefit will be 50% of shown amounts
Actual benefit may vary based on exact contribution records