Why Is My SSS Maternity Benefit Only 1,300 Pesos?

QUESTION from Pam:

Why did I receive only 1,300 pesos as my SSS maternity benefit?
Was the computation wrong? I delivered by CS in October 2014.
Here are my SSS contributions:

2011
July 988 Aug 1300 Sep 1248 Oct 1092 Nov 1196

2012
Oct 312 nov 1196

2013
Jan 1456 feb 1300

2014
April to June 110 amonth
July to Dec 275 a month


ANSWER:

Your SSS maternity benefit is only 1,300 pesos because your qualifying 12-month period matched the months when you contributed the lowest amounts.

You gave birth in October 2014, so your semester of contingency is July to Dec 2014.
SSS will look for your 6 highest contributions within the 12-month period before your semester of contingency.
Your prior 12-month period is July 2013 to June 2014.
You have only 3 contributions within this period: April to June, 110 each month.

The salary credit for 110 is 1,000.

Using the SSS formula, we get the following:

1,000 + 1,000 + 1,000 = 3,000 pesos

3,000 / 180 days = 16.67 pesos per day

16.67 x 78 days (for CS) = 1,300 pesos

Your SSS maternity benefit is 1,300 pesos.