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What are the qualifications for entitlement to the maternity benefit?
She has paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.
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. (Yan yung ultrasound at MAT notification form)
How is the maternity benefit computed?
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.
Count 12 months backwards starting from the month immediately before the semester of contingency.
Identify the six highest monthly salary credits within the 12-month period.
Add the six highest monthly salary credits to get the total monthly salary credit.
Divide the total monthly salary credit by 180 days to get the average daily salary credit. This is equivalent to the daily maternity allowance.
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.
The semester of contingency would be from July 2004 to December 2004
The 12-month period before the semester of contingency would be from July 2003 to June 2004
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).
The daily maternity allowance would be P500 (P90,000/180).
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.