SSS Maternity Benefit Calculator

Eligibility: -

Total Benefit: -

Average Daily Salary Credit: -

Planning for the financial aspects of maternity leave is crucial for expectant mothers. Fortunately, the SSS Maternity Calculator is a free online tool that simplifies estimating your maternity benefits under the Social Security System (SSS) of the Philippines. Expectant mothers can use this calculator to gain clarity on their expected cash allowance and leave benefits. 

Tip: Not sure about your expected delivery date? Try our Age Of Gestation Calculator.

What Is the SSS Maternity Benefit? 

The SSS Maternity Benefit is a daily cash allowance provided to qualified female SSS members who are temporarily unable to work due to childbirth, miscarriage, or emergency termination of pregnancy. 

Key Highlights of the SSS Maternity Benefit 

  • Paid Leave Days: Receive up to 105 days of paid leave for live childbirth and 60 days for miscarriage or emergency termination of pregnancy. Solo parents can enjoy an additional 15 days under the Solo Parents’ Welfare Act.
  • Full Compensation: Eligible members receive 100% of their Average Daily Salary Credit (ADSC) for the compensable period.
  • Expanded Coverage: Covers all female members, irrespective of employment status, civil status, frequency of pregnancy, and legitimacy of the child.

Who Is Eligible for SSS Maternity Benefit? 

To qualify, the member must meet these conditions:

  1. Paid at least three (3) monthly contributions within the 12-month period prior to the semester of childbirth or pregnancy termination.
  2. Submitted a Maternity Notification Form to SSS before childbirth.
  3. If employed, informed their employer about the pregnancy. Employers handle the filing for employed members.

Overview of our Free SSS Maternity Benefit Calculator 

If calculating your benefits seems daunting, our free SSS Maternity Benefit Calculator for 2025 is here to simplify the process. This handy tool uses your inputs and SSS data to provide an estimate of your benefits. While the numbers may vary slightly, it gives you a good idea of your expected cash allowance and leave benefits. 

Inputs Required 

To use the calculator, you’ll need the following details:

  • Expected Delivery Month or Date
  • SSS Membership Type (e.g., employed, self-employed, voluntary)
  • Monthly Salary Credit (MSC)

Outputs Generated 

The following results are displayed once the computation is complete:

  • Estimated Daily Cash Allowance
  • Total Number of Paid Leave Days
  • Total Estimated Maternity Benefit Amount
  • Semester of Contingency

How to Use the SSS Maternity Calculator 

The online calculator is user-friendly and easy to access. Follow these steps to estimate your benefits:

Step 1: Access the Calculator 

Visit the official website offering the SSS Maternity Calculator or any trusted third-party tool. 

Step 2: Enter Your Data 

Provide the following information:

  • Your expected delivery month and year.
  • Your SSS membership type (e.g., employed, self-employed, voluntary, etc.).
  • Enter your Monthly Salary Credit (MSC).

Step 3: Review Your Results 

After clicking “Calculate,” the tool will generate your results. You’ll see the expected daily maternity allowance, total leave days, and total benefit amount. 

Factors Influencing Your SSS Maternity Benefits 

1. Monthly Salary Credit (MSC) 

The MSC plays a significant role in determining the amount of your maternity benefit. Higher salary credits lead to larger cash allowances. 

For example:

  • MSC of PHP 15,000: PHP 500 daily allowance, PHP 52,500 total benefit for 105 days.
  • MSC of PHP 30,000: PHP 1,000 daily allowance, PHP 70,000 total benefit for 105 days.
  • Benefits are capped at PHP 70,000.

2. Number of Contributions 

A minimum of three months’ contributions within the 12-month window prior to the semester of delivery ensures eligibility. Contributing for six months provides the maximum benefit. 

3. Type of Delivery 

  • Normal Delivery: 105 days of paid leave.
  • Cesarean Section: 105 days of paid leave.
  • Miscarriage or Emergency Termination: 60 days of leave.

4. Solo Parent Status 

Solo parents enjoy an additional 15 paid leave days under the Solo Parents’ Welfare Act. 

Key Features of the SSS Maternity Calculator 

  • Accurate Estimates: Provides reliable benefit calculations.
  • User-Friendly Interface: Simple navigation allows anyone to use it with ease.
  • Broad Coverage: Adjusts calculations based on different scenarios like miscarriage or solo parenthood.
  • Free Access: Available at no cost to all SSS members.

Additional Considerations 

Benefits for Solo Parents 

Solo parents qualify for an additional 15 days of leave, offering critical support to single-income households. Make sure to indicate your status when using the calculator. 

What if You Experience a Miscarriage? 

While benefits for miscarriage are shorter (60 days), financial support is still available. Documentation such as medical certificates is required when filing your claim. 

Filing for SSS Maternity Benefits 

To claim your maternity benefits:

  1. Prepare Required Documents: Submit the Maternity Notification Form, medical certificates, and proof of pregnancy.
  2. Notify Your Employer: For employed members, your employer will file the necessary documents.
  3. Submit to SSS: Use the SSS online portal or visit a branch.
  4. Track Your Application: The benefits will be deposited directly to your registered bank account.

Frequently Asked Questions 

1. How do I handle discrepancies between the calculator and my actual benefit? 

Contact SSS directly to verify your monthly contributions and clarify any mismatches. 

2. Can I transfer my maternity leave credits to my spouse? 

Yes, you can allocate seven days of your maternity leave credits to your spouse or qualified caregiver subject to SSS guidelines. 

3. Where can I confirm my MSC? 

Log in to the My.SSS portal to view your contributions and MSC details. 

4. Is the calculator 100% accurate? 

The calculator provides an estimate. Actual benefits may vary based on your contributions and SSS guidelines. 

Maximize Your SSS Maternity Benefits Today 

Understanding your SSS maternity benefits ensures you’re financially prepared for this significant life event. Use our SSS Maternity Calculator to estimate your cash allowance and leave days. 

Don’t wait! Calculate Your Benefits Now and take the first step toward a financially secure maternity leave.