Category: SSS Information


10 Oct 14

Have you been involuntarily separated from your job?  Were you laid off, or your designation has been dissolved and resulted in your losing your job and source of income?  Take heart.  The Social Security System (SSS) is ready to help you get back on your feet!

The SSS recently announced the availability of the SSS Unemployment Benefit for all members that have been involuntarily removed from their jobs.  This is part of the provisions of RA 11199 or the Social Security Act of 2018.

What is the SSS Unemployment Benefit?

This is the seventh benefit program of the SSS and is available to all member-applicants who have been removed from their jobs (fired, laid-off, offered separation by employer).  It is a cash benefit equivalent to half of their average monthly salary credit (AMSC) for a maximum of two months.

Who is covered by the Unemployment Benefit?

All SSS members who are involuntarily separated from employment, including OFWs and Kasambahays may file for Unemployment Benefit claims.  Some exceptions are:

  • Employees must not be over 60 years of age at the time of the involuntary separation;
  • Underground mine workers must not be over 50 years of age;
  • Racehorse jockeys should not be over 55 years old.

What are the conditions for claiming the Unemployment Benefit?

  • The covered employee must have paid at least 36 monthly contributions
  • 12 months of which should be in the 18-month period immediately preceding the month of involuntary separation.
  • Must not have settled unemployment insurance or involuntary separation benefit within the last three years prior to the involuntary separation from employment.
  • The reason for separation from employment must not be the fault of the employee or a result of the employee’s negligence.  The only acceptable cases are redundancy, retrenchment or downsizing, closure of operations, the commission of a crime or offense of the employer against the employee or any of his immediate family members, and inhuman or unbearable treatment by the employer.  The DOLE determines the acceptable reasons for involuntary separation.
  • An employee applying for unemployment benefits may be disqualified if he or she has shown serious misconduct, willful disobedience to lawful orders, as well as gross and habitual neglect of duties.

What are the limitations of the Unemployment Benefits?

A member that has been involuntarily separated from his job must file his claim within one year from the date of his separation.

A covered employee may only claim once every three years starting from the date of involuntary separation.  In case he has more than one compensable contingency within the same period, only the highest benefit shall be paid.

What are the requirements when filing a claim for Unemployment Benefits?

  • Original and photocopy of one primary ID card or
  • Any two ID cards or documents, both with signature and at least one with photo
  • Certification establishing the nature of involuntary separation issued by the Department of Labor and Employment (DOLE) through its regional office
  • Notice of Termination from Employer or
  • Affidavit of Termination of Employment

Applicants may file their claims at any SSS branch.

How will the funds be released to the member?

The SSS shall pay the member through the SSS Unified Multi-purpose ID (UMID) cards enrolled as ATM or through the Union Bank of the Philippines Quick Card account.

All involuntary separations that happened on March 5, 2019, onwards are covered by the unemployment insurance.

Source:

www.sss.gov.ph

www.businessmirror.com.ph

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8 Aug 14

I have been receiving a lot of questions on how a female SSS member can check (on her own) if she is eligible for maternity benefits from SSS. This is aside from the longer maternity leave days granted to all SSS female members this year.

I noticed too that most of those who are asking have had some months when they failed to pay their SSS contributions and are now worried that this may be the cause of their ineligibility to claim maternity benefits.

So I did some research to find the best (and easiest!) way to check if a female SSS member is eligible for the SSS maternity benefit.  What I am sharing with you today is from the SSSPH.NET website but the actual concept for eligibility is based on SSS’ policies for maternity benefits.

Basically, the SSS requires that the member has paid AT LEAST 3 monthly contributions within the 12 months IMMEDIATELY BEFORE the semester of delivery.

To better illustrate this, see the examples below:

a. If your month of delivery is January, February, or March (refer to months in italics), you are eligible if you have paid contributions for three months within the previous October to September (refer to the months in capital letters):

Jan         Feb        Mar        Apr         May       Jun

Jul           Aug        Sep        OCT        NOV      `DEC

JAN        FEB         MAR      APR        MAY      JUN

JUL         AUG      SEP         Oct         Nov        Dec

Jan         Feb         Mar       Apr         May       Jun

 

b. If your month of delivery is April, May, or June (refer to months in italics), you are eligible if you have paid contributions for three months within the previous January to December (refer to months in capital letters):

JAN        FEB         MAR      APR        MAY      JUN

JUL         AUG      SEP         OCT        NOV      DEC

Jan         Feb        Mar        Apr         May       Jun

Jul           Aug        Sep        Oct         Nov        Dec

Jan         Feb        Mar        Apr         May       Jun

 

c. If your month of delivery is July, August, or September (refer to months in italics), you are eligible if you have paid contributions for three months within the previous April to March (refer to months in capital letters):

Jan         Feb      Mar        APR        MAY      JUN

JUL         AUG      SEP         OCT        NOV      DEC

JAN        FEB         MAR      Apr         May       Jun

Jul           Aug        Sep         Oct         Nov        Dec

Jan         Feb        Mar        Apr         May       Jun

 

d. If your month of delivery is October, November, or December (refer to months in italics), you are eligible if you have paid contributions for three months within the previous July to June (refer to months in capital letters):

Jan         Feb        Mar        Apr         May       Jun

JUL         AUG      SEP         OCT        NOV      DEC

JAN        FEB         MAR      APR        MAY      JUN

Jul           Aug        Sep        Oct         Nov        Dec

Jan         Feb        Mar        Apr         May       Jun

 

I hope this helped all our female followers.  If you have more questions about maternity benefits, you can send us an email or post your questions on the SSS Facebook page facebook.com/SSSPh/.

 

References:

http://www.sssph.net

www.sss.gov.ph

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6 June 28

January 2020 (and onwards) may just be the best time to give birth after SSS announced that maternity benefits for eligible SSS female members could reach up to P70,000 by next year.  According to the SSS, the recently implemented new minimum and maximum monthly salary credit for members and as a result, the usual maternity benefit which was only at P32,000 could double up to P70,000.  This is another good news from the SSS after the approval and implementation of the Expanded Maternity Leave Act that guarantees female members of 105 days of paid maternity leave, among other privileges.

How to avail of the SSS Maternity Benefit?

  • Female SSS members with complete monthly contributions.
  • Female SSS members who have paid contributions of not less than 3 months within the 12-month period before the date of delivery or miscarriage.
  • Member must submit a duly accomplished Maternity Notification Form or the SSS Form MAT-1 with proof of pregnancy (ultrasound, doctor’s report).
  • Employed members may submit the SSS Form MAT-2 for maternity reimbursement so the employer can provide the salary credit due from SSS. This should be given to the employee by the time she goes on maternity leave.
  • Voluntary, work-at-home, and separated members may only submit the SSS Form MAT-1 and the cash allowance shall be given directly to the member.

To know how to compute for your SSS Maternity Benefit, you can read this blog we released in May 2017.

Sources:

www.sss.gov.ph

http://www.abs-cbn.com

http://www.theasianparent.com

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5 May 23 (1)

The Implementing Rules and Regulations of RA No. 11210 or the 105-Day Expanded Maternity Leave Law has been released.  We are sharing with you the salient points of the IRR, for easier reference.  Note that this applies to all female workers that shall give birth, whether married or single, working in the private sector or is a government employee.

Who is covered?

The 105-day Expanded Maternity Leave Law (EMLL) shall cover the following:

  1. Female workers in the Public Sector;
  2. Female workers in the Private Sector;
  3. Female workers in the Informal Economy;
  4. Female members who are voluntary contributors to the Social Security System; and
  5. Female national athletes.

What benefits are granted?

The following benefits are granted under the 105-day Expanded Maternity Leave Law (EMLL) to the corresponding sectors:

  1. Paid leave benefit granted to a qualified female worker in the public and private sector, for the duration of:
  • 105 days for live childbirth, regardless of the mode of delivery (caesarian or normal).
  • If the female worker qualifies as a solo parent under RA 8972 (Solo Parents’ Welfare Act of 2000), she will be granted an additional 15 days paid leave, for a total maternity leave of 120 days.
  • 60 days paid leave for miscarriage and emergency termination of pregnancy.
  1. An option to extend for an additional 30 days without pay in case of live childbirth.
  2. Paid maternity leave, allowances, and benefits granted to female national athletes.

4. Health care services for prenatal, delivery, postpartum, and pregnancy-related conditions granted to female workers, particularly those who are neither voluntary nor regular members of the SSS.

All covered females regardless of civil status, employment status, and legitimacy of her child shall be granted the above number days of maternity leave with full pay.

 Manner of Enjoyment of the Benefit

Enjoyment of maternity leave cannot be deferred but should be availed of either before or after the actual period of delivery in a continuous and uninterrupted manner, and such that:

  1. In cases of live childbirth, 105 days maternity leave with full pay shall be granted; or
  2. In cases of miscarriage or emergency termination of pregnancy, 60 days of maternity leave shall be granted.
  3. The female worker entitled to maternity leave benefits may, at her option, allocate up to seven days of said benefits to the child’s father, regardless if they are married or not.
  4. The female member shall be paid only one maternity benefit, regardless of the number of offspring, per childbirth/delivery.

Notice of Pregnancy and Application for Maternity Leave

  1. Public Sector Employees

The female worker shall give prior notice to the head of agency of her pregnancy and her availment of maternity leave at least 30 days in advance, whenever possible, specifying the effective date of the leave.

The female worker shall use the prescribed civil service form in the filing of the maternity leave application, supported by a medical certificate.

  1. Private Sector Employees

The notification process for SSS-covered female workers and/or members and employers shall be governed by the following rules:

  1. The female member, upon confirmation of pregnancy, shall immediately inform her employer of such fact and the expected date of childbirth;
  2. The employer shall, in turn, notify the SSS through the prescribed manner;
  3. The above rules notwithstanding, failure of the pregnant female worker to notify the employer shall not bar her from receiving the maternity benefits, subject to guidelines to be prescribed by the SSS; and
  4. Self-employed female members, including those in the informal economy, OFWs, and voluntary SSS members may give notice directly to the SSS.

For the complete information on the Expanded Maternity Leave Law, you may download a PDF copy of the IRR from SSS here .

If you have any questions regarding SSS maternity leaves, you may call the SSS’ trunkline at (02) 920-6401 or their call center (02) 920-6446 to 55.  You may also send them an email at member_relations@sss.gov.ph or reach out through their Facebook page at https://www.facebook.com/SSSPh.

Source:

www.sss.gov.ph

https://www.sss.gov.ph/sss/DownloadContent?fileName=IRR-RA-11210_resized.pdf

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4 Apr 11

Most people think that the Social Security System (SSS) is only for employed individuals, whether working locally or abroad.  We need to know that self-employed people, regardless of his trade or business, must also be covered by the SSS.

Today’s blog will feature the SSS coverage for self-employed individuals.  If you are one of them and are not yet a member of the SSS, this article is for you.

Which workers are classified under Self-employed (SE) Coverage?

A self-employed person, regardless of trade, business, or occupation with an income of at least Php 2,000 a month and not over 60 years old, should register with the SSS.  These include:

  1. Self-employed professionals such as doctors, lawyers, engineers who run their own firms.
  2. Partners, single proprietors of businesses.
  3. Board Directors of Corporations duly registered with appropriate government agencies.
  4. Actors, actresses, directors, scriptwriters, and news correspondents who do not fall within the definition of the term “employee”.
  5. Professional athletes, coaches, trainers, and jockeys.
  6. Farmers and fisherfolks.
  7. Workers in the informal sector such as market and ambulant vendors.
  8. Public utility transport drivers, tourism industry-related workers, and others similarly situated.
  9. Contractual and job order personnel engaged by the government thru a contract of service and who are not coverable by the GSIS law.
  10. Any other self-employed person as determined by the Social Security Commission (SSC) under such rules and regulations that it may be prescribed.

How to register to the SSS:

  1. Accomplish and submit a Personal Record Form (SS Form E-1).
  2. If he/she has no existing SS number, SS Form E-1 should be submitted with the original/certified true copy and photocopy of any of the primary or any two of the secondary documents acceptable in securing SS number.

Primary documents (Only ONE is required):

  • PSA Birth Certificate
  • Baptismal Certificate
  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) card
  • Seaman’s Book

Secondary Documents (in the absence of primary documents, submit TWO of the following):

  • Alien Certificate of Registration
  • ATM card with the cardholder’s name
  • ATM card and certification from the issuing bank that the account number belongs to the cardholder if the card does not bear the cardholder’s name.
  • Bank Account Passbook
  • Birth/Baptismal Certificate of children
  • Certificate from the:
    • Office of the Southern/Northern Cultural Communities
    • Office of Muslim Affairs
  • Certificate of Licensure/Qualification Document/Seafarer’s ID and Record Book from the Maritime Industry Authority
  • Certificate of Naturalization issued by the Bureau of Immigration
  • Company ID
  • Fisherman’s Card issued by the Bureau of Fisheries and Aquatic Resources (BFAR)
  • GSIS Card/Certificate of Membership
  • Health or Medical Card
  • ID Card issued by Local Government Units (e.g. Barangay/Municipality/City)
  • ID Card issued by professional organizations recognized by the Professional Regulation Commission (PRC)
  • Life Insurance Policy
  • Marriage Contract
  • Membership card issued by private companies
  • NBI clearance
  • Overseas Workers’ Welfare Administration (OWWA) card
  • Pag-IBIG Member’s Data Form
  • Permit to carry firearms issued by the Firearms and Explosives Unit of the Philippine National Police (PNP)
  • PHIC Member’s Data Record
  • Police Clearance
  • Postal ID card
  • School ID
  • Seafarer’s Registration Certificate issued by the Philippine Overseas Employment Administration (POEA)
  • Senior Citizen Card
  • Tax Identification Number (TIN) card
  • Temporary License and Student Permit issued by the Land Transportation Office (LTO)
  • Transcript of School Records
  • Voter’s Identification Card/Affidavit
  1. A self-employed person who has employee/s should also register as an employer and secure an employer number by proper accomplishment and submission of Employer Registration (SS Form R-1) and Employment Report (SS Form R-1A).

 

Duties and responsibilities of a self-employed SS member:

  • Register with My.SSS at the SSS website: sss.gov.ph provided you have at least one month posted contribution.
  • To pay your contributions, log-in to your My.SSS account to secure your Personal Reference Number (PRN).
  • Pay contributions either monthly or quarterly in accordance with the prescribed schedule and deadline.
  • Keep your personal records updated and correct by submitting a completed SS Form E-4 together with the corresponding supporting document/s to avoid delays in the processing of benefit claims.
  • Pay your loans on time through the Member Loan Payment Return Form (SS Form ML-1) to avoid penalties and late payments.
  • Apply for a UMID card, if with at least one (1) posted monthly contribution, and always use the said card for SSS transactions.
  • Be aware of changes and improvements in the SSS policies and benefit structure so as to fully utilize your benefits.

For more details on SSS membership, you may send your questions and clarifications to member_relations@sss.gov.ph or call the SSS hotlines at (02) 920-6446 or (02) 917-7777.

Source: www.facebook.com/SSSPh/

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Sept 27

Good news to all SSS members!  We can now conveniently access our SSS membership information by simply swiping our phone’s screen and tapping on the SSS mobile app.

How does it work?

  1. Download the SSS Mobile App from Google Play Store (for Android users) and App Store (for Apple users). Your smartphone or tablet must be running on Android 4.4 Kitkat or higher and IOS 8.0 or higher. Downloading and using the mobile app is free of charge.
  2. Mobile users should log in using their existing My.SSS account’s user ID and password. If you still have not created an online SSS account, just tap on the “Register” button located at the mobile app’s sidebar.
  3. You should be connected to the internet through mobile data or wifi connection in order to use the SSS Mobile App.

What information can I access using the SSS mobile app?

You can view the following information when logged into your mobile app:

  1. Contribution status
  2. Sickness
  3. Maternity
  4. Disability and retirement claim information
  5. Employees’ Compensation (EC) Medical status
  6. Salary loan application status and outstanding balance
  7. Location of branch offices
  8. Documentary requirements for SSS membership
  9. Benefit claims application (including funeral and death)
  10. Personal data amendment
  11. UMID card enrollment

Are my information secured now that the mobile app is available to everyone?

Yes.  The SSS assures the public that the SSS Mobile App has its own security features and requires the entry of a user ID and password so that only the account owner would have access to his or her data.

For further information on the SSS Mobile App, you may visit the SSS website at www.sss.gov.ph or call the SSS Call Center Hotline at 02-920-6446 up to 55 or local toll-free number 1-800-10-2255-777.  You may also send an email to onlineserviceassistance@sss.gov.ph.

 

Source: www.sss.gov.ph

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Sept 26

My aunt is a 65-year-old retired private school teacher.  She began receiving her SSS pension almost immediately after her 60th birthday.  Two years into her retirement, she fell ill and needed additional funds for her maintenance medications and regular check-up.  It was then that she was compelled to take on a loan of Php 25,000.00 from a lending company in our area.  The primary requirement of the lending company was for my aunt to surrender her ATM where her SSS pension is credited monthly.

In five days, the loan was granted and my aunt was able to purchase all the medicines she needed to complete her treatment.  However, she now has to go to the lending company’s office every month to claim the portion of her SSS pension – or at least the remaining portion after the lender has deducted her monthly loan amortization, plus a hefty 8% interest.  It was a painful ordeal but at that time, it was my aunt’s only option.

She is happy to know that the SSS has finally launched its SSS Pension Loan Program for pensioners like herself.  This one promises to be more affordable and will be sufficient for short-term needs such as medical expenses, household purchases, and maybe even a quick vacation.

Here are the details of the SSS Pension Loan Program (PLP) that was announced by the SSS last September 3, 2018:

Who are qualified to avail of the SSS Pension Loan Program?

  • SSS pensioners who are 80 years old and below at the end of the month loan term;
  • Must have no outstanding loan balance and benefit overpayment payable to SSS.
  • Does not have advance pension under the SSS Calamity Package
  • Have been receiving their regular monthly pensions for at least six months.

What are the loan amounts?

According to SSS, the minimum loan amount for a qualified pensioner is twice the amount equivalent to their basic monthly pension plus a Php 1,000 benefit.

The maximum loanable amount is six times their basic monthly pension plus an additional Php 1,000 benefit, but must not exceed a total of Php 32,000.00

How much is the interest rate?

An interest of 10% per annum shall be applied on the loan amount until it is fully paid.  This is computed on a diminishing principal balance and shall then become part of the loan’s monthly amortization.

What are the loan repayment terms?

A pensioner may choose to pay for his loan in three, six, or 12 months depending on the multiple of the loan amount.  The loan payments shall be deducted from the monthly pension of the borrower.

Where can pensioners apply for the PLP?

As of this writing, there are 20 SSS branches that are ready to receive PLP applications, these are:

  • Diliman
  • Kalookan
  • Pasig-Pioneer (Shaw)
  • New Panaderos (Mandaluyong)
  • Manila
  • Makati-Gil Puyat
  • Alabang
  • Naga
  • Dagupan
  • Baguio
  • Ilagan
  • Bacoor
  • Binan
  • Cebu
  • Tacloban
  • Iloilo Central
  • Cagayan De Oro
  • Davao
  • General Santos
  • Zamboanga

What are the loan requirements and how do we apply?

  1. The pensioner must personally visit any of the above-mentioned SSS branches. He or she must submit a photocopy of any of the following IDs:
  • Social Security ID
  • Unified Multi-purpose ID card (UMID)
  • Passport
  • Two other valid IDs with identical signatures, at least one of the IDs must bear the pensioners photo.
  1. Get the cash card or quick card of your chosen bank where the loan proceeds will be deposited. You may also enroll your UMID card as an ATM at any branch or kiosk of the Union Bank of the Philippines.
  2. Choose your desired loan amount and loan term.
  3. Review the information and loan details that will be flashed on the screen.
  4. Sign the Pension Loan Assistance Application and Disclosure Statement and submit.

Wait for up to 5 working days from the date of your loan approval for the proceeds to be credited to your cash card or UMID card.

This is definitely good news to our SSS pension followers, especially since the Christmas season is just around the corner!  If you have more questions about the SSS Pension Loan Program, you may call the SSS hotline at 02-920-6446 to 55 or send an email to member_relations@sss.gov.ph

Source: www.sss.gov.ph

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Jul 12a

The Social Security System (SSS) recently announced the availability of its Online Appointment System.  SSS welcomes members who are retiring or have retired from their private employment and wish to file their claims to use the appointment system in creating their schedule to visit an SSS office.  This will help them escape the long lines of SSS members transacting at the different branches, enabling them to accomplish their purpose with less hassle and wait time.

This facility is available for members who have:

  • An existing My.SSS account but could not file their retirement claim online.
  • At least 120 monthly contributions prior to the semester of the month of submission of the retirement application.
  • At least sixty (60) years old and separated from employment or has ceased to be self-employed except for underground/surface mineworker or racehorse jockey.
  • Already applied for retirement benefit but still has to submit additional documentary requirements.

The Online Appointment System is dedicated to retirees who are unable to file their retirement claims online.

If you still do not have My.SSS online account, you can create one by visiting the SSS website at www.sss.gov.ph.  You may also call the SSS Call Center at 02-920-6446 to 55 or email member_relations@sss.gov.ph.

Source: www.sss.gov.ph

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June 14

My brother’s SSS account has been in question for quite a few years now due to a salary loan that has remained unpaid since 2009.  I told him about the ongoing loan restructuring program being offered by the SSS and advised him to take some time off from work so he can visit an SSS office and have his loan reviewed.  Problem is, he works for an international firm that requires him to travel out of the city, and sometimes out of the country, most of the time.  On the days that he is in Manila, he spends most of his time in the office catching up on his reports and other paper works.  Next week, he is scheduled to travel to Beijing and will not be back until September.

So how does one take advantage of the SSS Loan Restructuring Program if he is almost always out of the country, works abroad, or for some reason, is not able to physically visit an SSS office?

Good thing the SSS now accepts Letter of Authority from the applicant so he or she can simply send someone else to file his application through a representative.  All he has to do is send an email to the SSS informing the department that he intends to have his loans reviewed through a representative.

How does this work?  Read this!

Requirements for the Authorized Representative:

  1. Email request of the member-borrower.
  2. Scanned copy of the Letter of Authority.
  3. Scanned copy of two valid identifications cards of the member-borrower.
  4. Photocopies of two valid IDs of the authorized representative.
  5. Printed email showing both email addresses of the member-borrower and of the authorized representative.

Authorized representatives may also do the following in behalf of the member-borrower:

  1. Accomplish the LRP application form.
  2. Sign in “Conforme” portion of the Statement of Loan Balances for LRP and Disclosure Statement.
  3. Sign the promissory note.
  4. Receive the Notice of Approval.
  5. Pay the restructured loan based on the agreed term.

How about OFW members who also wish to avail of the SSS Loan Restructuring Program?

OFW members may personally file their applications at any SSS office in the country (if they are home) or have their spouse or relative file this for them.  If he or she is going to send a representative to do this for him, he needs to execute a Special Power of Attorney or SPA.

  1. The representative must bring two valid IDs, with one or both showing the representative’s signature and photo.
  2. Fill-out the Loan Restructuring Application form (MLP-01263) with black ink (only).
  3. Secure a copy of the Statement of Loan Balance for Loan Restructuring Program; you can get this at the nearest SSS branch in your area.
  4. Accomplish an Affidavit of Residency that will prove that you live or work in an area that is declared to have been under a state of calamity. Have the affidavit notarized. This is no longer required for members who already have a Calamity Loan or Salary Loan Early Renewal Program (SLERP).
  5. Submit all duly accomplished application forms and other requirements at the nearest SSS office or Foreign Office (if OFW is filing abroad).

The SSS has made the Loan Restructuring Program more accessible to everyone, so make sure to grab this opportunity to straighten out your loan accounts with the department.  This will help secure your future claims from the SSS, including and most especially, your pension.

Have a great day!

 

Reference: www.sss.gov.ph

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Apr 26

Female SSS members are entitled to maternity benefits.  Whether she is an employed member or is voluntarily contributing to the system, she must be granted the necessary financial support as her privilege under the SSS, provided she meets the basic documentary and contribution requirements of the system.

How does one compute for her SSS maternity benefit and how do you determine if the member is qualified?

1. IMPORTANT TERMS USED IN SSS MATERNITY BENEFITS

a. Quarter – refers to THREE CONSECUTIVE months ending in March, June, September, and December.

Examples are:

  1. January, February, and March
  2. April, May, and June
  3. July, August, and September
  4. October, November,  and December.

 

b. Semester – refers to TWO CONSECUTIVE quarters

Examples are:

  1. January to March and April to June – that is one semester.
  2. July to September and October to December – that is one semester.
  3. April to June and July to September – that is one semester.
  4. October to December (of the current year) and January to March (of the following year) – that is one semester.

 

c. Semester of Contingency – refers to two (2) consecutive quarters ending in the quarter of contingency.

Example:

  • If the month of delivery or miscarriage is May, the quarter of contingency covers the months of April, May, and June.
  • While the Semester of Contingency covers the months of January, February, March, April, May, and June.

d. Monthly Salary Credit or MSC – refers to the compensation base related to your total earnings for the month.  You may refer to the SSS contribution table we shared in this post (hyperlink to 2018 SSS contribution table).

Example: If you are earning P8,300 per month, your MSC is P8,500.

 

2. Maternity Benefit Computation

Example: If the member will give birth on June 2018:

  • Exclude the semester of delivery so that:
    • The applicable quarter covers the months of April, May, and June.
    • The semester of contingency covers the months of January to June 2018.

Therefore, you must exclude January to June 2018 from the computation.

  • Count 12 months backward starting from the month immediately before the semester of delivery.
    • If June 2018 is the expected month of delivery, count backwards to December to January 2017.
    • To qualify, the member needs to have at least three posted contributions during the January to December 2017 period.
  • Identify three up to six highest MSCs from January 2017 to December 2017.  Example, if the six highest MSCs are P15,000 and P16,000, add them to get the total salary credit:

15,000 + 15,000

15,000 + 16,000

16,000 + 16,000

= P93,000 – Total Monthly Salary Credit (MSC)

  • Divide the total MSC by 180 days to get the average daily salary credit:

P93,000/180 days = P516.67 – This now is your Daily Maternity Allowance.

  • From your Daily Maternity Allowance of P516.67, multiply by the applicable number of days of your delivery type:
    • Normal delivery – 60 days
    • Caesarian section – 78 days

P516.67 * 60 days (normal delivery) = P31,000.20

P516.67 * 78 days (caesarian section) = P40,300.26

 

Reminders when claiming your maternity benefit:

  • The SSS Maternity Benefit is only applicable to the first four deliveries, including miscarriages.
  • If you are employed member, the benefit will be paid to you in advance by your employer.
  • If you are self-employed, separated and voluntary members, the benefit will pay the benefit directly to you after delivery, provided that your Maternity Reimbursement Claim was duly approved.
  • Make sure that you have submitted a Maternity Notification to your Employer (if employed) or directly to the SSS (if self-employed, voluntary member, or separated from employment). Failure to advise SSS of your pregnancy may cause delays or even disqualification from claiming your benefit.
  • Always make sure that your SSS contributions are complete, up-to-date, and accurate in order to avail of SSS benefits.

 

Source: http://www.sss.gov.ph

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