Pinoy Benefits https://pinoybenefits.com/calculators/sss-maternity/

SSS Maternity Benefit Calculator 2026

Estimate SSS maternity cash benefits using regular salary credits: 105 days for live birth, 120 for qualified solo parents, or 60 for pregnancy loss.

Last updated:

Exclude the semester of the event. In the preceding 12 months, cap each qualifying MSC at ₱20,000, add the six highest, then divide by six. With only three to five paid months, still divide by six. This is not your salary or contribution payment.

How to calculate the current SSS maternity benefit

This tool is for current expanded-maternity-leave claims, not contingencies before March 11, 2019. It estimates the SSS portion, not employer salary differential.

  1. Identify the quarter of childbirth, miscarriage or ETP. Exclude that quarter and the immediately preceding quarter.
  2. Use the 12 months before that excluded semester. For a September 2026 event, this is April 2025 through March 2026.
  3. Add the six highest qualifying regular MSCs, each capped at ₱20,000, and divide by six for the input above. Use credited contributions paid before the semester; do not substitute gross salary.
  4. Select the outcome and qualified solo-parent status. Total benefit = six-highest MSC sum ÷ 180 × benefit days.
OutcomeDaysMaximum SSS cash estimate
Live birth, either delivery method105₱70,000
Live birth, qualified solo parent120₱80,000
Miscarriage / ETP / stillbirth60₱40,000

These maximum examples assume six qualifying regular MSCs of ₱20,000 and no overlapping-claim adjustment. At six MSCs of ₱5,000, the 105-day estimate is ₱17,500—not ₱17,500.35. Round the final total, not the daily intermediate value.

Eligibility and filing are separate checks

A female member needs at least three monthly contributions in the qualifying 12-month window, paid before the semester. Employed members notify their employer; self-employed, voluntary, non-working spouse and OFW members notify SSS directly. Maternity notification and the later benefit application are different transactions.

Read the maternity benefit and filing guide and the late-notification explanation. For contributions, use the SSS contribution calculator; its total MSC ceiling must not be substituted into this benefit formula.

Official references

Checked September 13, 2026: SSS maternity benefit computation and application rules and RA 11210 implementing rules, Rules III and VI. SSS makes the final decision on a claim.

Frequently Asked Questions

Are vaginal and caesarean live births paid for different periods?
No. Both use 105 days. A qualified solo parent receives 120 days for live birth.
Does the solo-parent extension apply to miscarriage?
No. Miscarriage or emergency termination of pregnancy, including stillbirth, uses 60 days, not 75.
Why does this calculator stop at ₱20,000 average MSC?
Regular SSS benefits use MSCs capped at ₱20,000. The higher total contribution ceiling includes a separate mandatory provident-fund component.
Can a husband use his contributions to claim for a non-member wife?
No. Ordinary maternity benefit eligibility belongs to the female member. Allocation of leave to a father or eligible caregiver is a separate rule, not a benefit based on his contributions.
Is this my full maternity pay?
This estimates the SSS cash component only. Employer salary differential, qualified exemptions, overlapping claims and your actual eligibility require separate checks.