Is my SSS Maternity Benefit computation correct? I'm a Separated Member

Tuwang-tuwa ako na naintindihan ni Courtney Ortega kung paano mag-compute ng SSS maternity benefit.

Here is her letter sent to us here:

Good morning po. 
Medyo naguguluhan pa din po kase ako sa computation. Bali SSS member po since 2010 but unfortunately dahil contractual lang po lagi nakukuha ko na job may mga missed payments of contributions po ako. 

Expected month of delivery ko po kase is this coming April 2017. (Correct me if i'm wrong po) Jan-Jun 2017 po yung semester of contingency ko. 

Sabi nyo po need lang ng at least 3 months of contribution within 12 months before po ng semester of contingency to be eligible to claim maternity benefit kahit po hindi nakapaghulog ng contribution up to present time. So ang 12 months po ng sa akin is from Jan-Dec 2016 po? 

Ito po list of contributions ko by those months po para lang po mas clear. Employed po ako that time.
Month yr     cont.     MSC
Jan 2016  - 1,100  -- 10,000
Feb 2016  - 935  --  8,500
Mar 2016  - 935  --  8,500
Apr 2016  - 0  0
May 2016 - 0  0
Jun 2016  - 715  --  6,500
Jul 2016   - 0  0
Aug 2016  - 1,320  --  12,000
Sep 2016  - 1,155  --  10,500
Oct 2016   - 935  --  8,500
Nov 2016  - 880  -- 8,000
Dec 2016  - 0  0

Bali according po dito 8 months po ako nakapaghulog so qualified po ako magclaim ng maternity benefit and yung 6 highest MSC ko po is Jan, Feb, Mar, Aug, Sep, Oct.  With total of 58,000 MSC ÷ 180 days = 322.22 allowance/day × 60 days po dahil normal delivery lang po expected ko. 

So, total of 19,333.20 pesos po maternity benefit na pwede ko pong makuha? 

Tama po ba computation ko? Ask ko na din po kung kelan po dapat magfile ng Mat2. Separated na po kase ako sa company ko dati pero nakapagfile na po ako ng Mat1? 

Ask ko na din po sana kung gaano po katagal pwede po makuha yung maternity benefit? 

Isa pa po na question ko is kung pwede din po akong magfile for personal loan after ko po manganak? I'm planning to continue paying my contributions po kase through voluntary muna para po makapagclaim din sana ng personal loan. I'm really hoping for your reply po. Thank you so much po and God bless.


Yes, Courtney, tama ang computation mo. Tama ang steps mo. Tama ang result ng computation mo. Perfect! 

I'm so happy really that you got how the SSS maternity benefit is computed.  So happy for you!

About your other questions:

1. When will you file your Mat2? After your delivery, and after you get your baby's birth certificate from your local civil registrar. 
Here's the Mat2 form for Separated members. It's now called 
      Maternity Benefit Application for SE VM OFW 

Since the gap between your separation date and delivery date is less than 6 months, you will have to submit these documents below. Get them from your previous employer.
       Certificate of Separation
        Certification of Non-Advancement of Maternity Benefit
        L-501 form (If your previous company refuses to give you a copy of this form, file at the SSS branch where they are making their SSS transactions. Their L-501 is stored at their branch.)
       Make sure that these 3 documents are signed by the same person and that they show exactly the same signatures.

In case your previous company has closed down, or if they refuse to give you Separation documents, you can file this instead: Affidavit of Undertaking  

2. How fast can I get my SSS maternity benefit?
     Iba-iba ang time of processing. Depende sa mga documents mo, kung gaano kaayos ang records mo sa SSS, at kung gaano ka-busy sila sa SSS.  Mga 2 months siguro. Depende rin kung hingian ka ng bank account number or ibibigay nila via cheque. So be ready with your bank name and account number (deposit slip with machine marks or atm card with account number on the card).

3. Can I apply for an SSS salary loan?
Yes, if you already have at least 36 posted contributions. The other requirement is that you have paid contributions for at least 6 months within the last 12 months prior to application.  Itong requirement na 6 months ay puedeng kasama sa bilang ng 36 months.

4.  I filed my MAT1 with my previous employer.  How do I know if they filed my MAT1?
     Enroll in the SSS online system, so you can check your maternity notification. If  your notification was filed, you can print your notification. If not, file your notification as Separated at the nearest SSS branch. You will submit this SSS-stamped form together with your MAT2 after your delivery.
      Note: Voluntary and self-employed members can file their maternity notification online. 

5.  Will it be a problem if my address in my MAT1 is different from my address in my MAT2?
      Not a big problem.  Just update your contact information at an SSS branch.  Fill up the Change of Member Data form . Check "Address" under "Updating of Contact Information".  Bring your ID. 

God bless too!

Most Common Reasons Why SSS Maternity Benefit Claims Are Denied


  1. Thank you po ulit ma'am for your immediate reply and thank you for posting my question po. Ngayon mas sure na po ako kung pano po maging qualified for maternity benefit, magcompute and kung magkano po makukuha ko na maternity benefit. Thank you din po sa pagsagot sa mga question ko, sobrang laking tulong po kase talaga lalo sa mga 1st time na expecting moms like me ng mga sagot ninyo. Now hindi ko na po need gumising ng sobrang aga and pumila ng mahaba sa sss branch just to ask them po nung mga question na nasagot na ninyo. Im really happy po to know na may mga ganitong blog po like yours na sobrang informative. Thank very much po ulit. :)

  2. Maam follow up question po pala, nung nag submit po kase ako ng mat1 employed pa po ako oct 2016 po yun, then i got separated with my employer po nung dec 2016 due to my oby's request na need ko na daw po mag bed rest for the baby's safety. Nakapag file naman po ako ng Clearance since hindi daw po sila nag iissue ng Certificate of Employment kung hindi daw po na tapos yung contract. Waiting nalang po ako ngayon ng issuance of clearance ko. Pano po ba malalaman kung nafile po as employed ako sa mat1? And kung may effect po ba yun sa pag claim ko ng maternity benefit?

  3. Additional question pa po is kung ok lang po ba na magkaiba po yung address na nalagay ko sa mat1 and mat2 kase po lumipat na po kame ng bahay.

  4. Hi Courtney: Thank you for your very encouraging comments. Gives me inner joy. Idagdag ko na lang sa post above yong tanong mo at sagot ko, so others can see it more easily.

    1. Hi mam Nora. Ask ko lang, separated na PO Kasi ako sa employer ko before, di PA PO ako nkapag clearance dahil super nahirapan ako sa pagbubuntis ko, pero natapos ko PO contract ko, di ko lang na endorse sa papalit skn ang trabaho. Binigyn PO nila ako ng certificate of separation and L501 para maternity ko pero ayaw na NILA ako bigyan ng Certificate of non advancement, iniipit PO Nila ako ngayon. Meron PA PO bang ibng way para makuha ko Ang maternity benefit ko? 2 months Bago ako manganak nakaalis nko sa company. Sana mapansin PO ninyo. Salamat po

    2. Hi Anne: Sorry I missed your question. Pero I hope nabasa mo yong naisagot ko kay Courtney na you can use an Affidavit of Undertaking kung ayaw nang magbigay ng document ang former employer. Here's the
      Affidavit of Undertaking


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