Being an Overseas Filipino Worker (OFW), you can still claim SSS maternity benefit if you give birth abroad. However, there are conditions that apply. The most important conditions are keeping your SSS membership active and regularly paying your monthly contributions.
In this article, I write about how to claim SSS maternity benefit if you give birth outside the Philippines and how to compute maternity benefit. They are solely based on my own experience and I may not cover other special cases.
Below is an infographic that shows a brief overview of the process. The succeeding sections explain the details.
Prerequisites to claiming SSS maternity benefit as an OFW
1. Make sure that your SSS membership is active.
You can do this by logging on to your personal profile on the SSS website.
At the same time, make sure that your personal information is updated especially your married name and self-employed status e.g. OFW. You can update them in your online account or go to your nearest SSS branch and settle them. In Singapore, the SSS branch is located behind the Iremit outlet in Lucky Plaza.
2. Pay your monthly contributions regularly.
You can do this by paying at any international remittance centers. Or you can pay your monthly contributions online via UnionBank or any BancNet online portals.
NOTE: If you do not pay your contributions monthly, you can bulk pay it. For OFWs, payments for the months of January to December of a given year must be paid within the same year. Contributions for October to December of a given year can be paid on or before the 31st of January of the succeeding year.
HIGHLY IMPORTANT: Within the 12-month period prior to your semester of contingency, you should have made at least 3 monthly contributions. For more information about the semester of contingency, read the third section of this post titled “How to calculate maternity benefit”.
Things to do while you are pregnant
You can notify SSS of your pregnancy in two ways:
- Going to the nearest SSS branch
- Doing it online via the SSS website
NOTE: Deadline for submission/ notification is not later than 60 days from the date of conception but not later than the delivery date.
Going to the nearest branch
If you choose to notify SSS of your maternity personally, you must submit the following requirements:
- SSS/ UMID card
- Maternity Notification Form SSS Form MAT-1 (can be downloaded in the SSS website)
- Proof of pregnancy bearing the Expected Date of Delivery such as ultrasound report
NOTE: If you cannot do this personally, you may ask a representative to do this for you and submit the documents. Take note that additional documents may be required from your representative.
Doing it through your SSS online account
If you choose to notify SSS of your maternity through online, here are some information that can help you on how to do it:
How to know if you are eligible for maternity benefit
Before submitting your maternity notification, you might want to check first if you are eligible to claim maternity benefit via your SSS online account.
You can do this by simply selecting E-Sevices > Member Inquiry > Eligibility> Sickness/ Maternity from the main menu. Then the following webpage appears where you must enter your pregnancy details.
How to submit your maternity notification online
To submit your maternity notification online, select E-Sevices > Submit Maternity Notification from the main menu.
How to know if your online notification is successful
If your submission is successful, you should receive a confirmation email from SSS. You can also check on your SSS online account under E-Sevices > Member Inquiry > SMEC> Maternity Notification.
If still in doubt, you can call or ask someone to go to the nearest SSS branch to verify.
Things to do to claim your SSS maternity benefit after you give birth
You can claim your SSS maternity benefit within the next ten years.
To claim your maternity benefit, go to your nearest SSS branch and submit the following documents:
Main Requirements e.g. Normal Delivery:
- Maternity Reimbursement Form SSS Form MAT-2 (can be downloaded in the SSS website)
- OB History Form to be completed and signed by your OB Gyne
- Report of Birth from the Philippine Embassy
- Duly-received Maternity Notification Form SSS Form MAT-1 or formal letter of explanation of non-notification/ late filing
- Photocopy of SSS/UMID card OR passport and work pass
- If valid IDs are under your maiden name, photocopy of marriage contract (must be registered copy or NSO-issued)
Additional requirements in case of delivery through cesarean section:
- Operating Room Record or In-patient Discharge Summary
- Photocopy of hospital bills
After submitting these requirements, you can expect the check to be sent to your home address or the address you provided to SSS. It can take up to one month. Upon receiving the check, you can encash it at your bank.
How to calculate maternity benefit
Below is a rough summary of how you can calculate your maternity benefit.
1. What is your Estimate Delivery Date (EDD)?
Example: December 4, 2015
2. What is your semester of contingency?
This period is the two consecutive quarters ending in the quarter of contingency.
1st quarter: Jan – Feb – Mar
2nd quarter: Apr – May – June
3rd quarter: July – Aug – Sep
4th quarter: Oct – Nov – Dec
Example: Based on your EDD, the semester of contingency is July 2015 – Dec 2015.
3. What is the 12-month period prior to your semester of contingency?
This period is simply counting up 12 months before your semester of contingency.
Example: That is, July 2014 – June 2015
HIGHLY IMPORTANT: Within this period, you should have made at least 3 monthly contributions.
4. What are your six highest Monthly Salary Credit (MSC) during the 12-month period preceding the semester of contingency?
Note: For OFW or self-employed, the minimum MSC is P5000, maximum P16,000.
5. Add the six highest MSC or simply multiply your highest MSC by 6 if they’re all the same:
16,000 x 6 = 96,000
6. Divide the resulting number by 180
That is 180 = 6 months x 30 days:
96,000/180 = 533.33
7. Lastly, multiply by 60 for normal delivery, 78 for cesarean delivery.
The result would be the amount of your maternity benefit.
533.33 x 60 = 32,000 pesos
533.33 x 78 = 41,600 pesos
UPDATE APR 11, 2018: SSS Facebook page released a comprehensive video explaining the calculation of maternity benefit. Click the video below to watch:
That’s it. How about you mommies or mommies-to be, were you able to process your SSS maternity benefit?
Do you also want to claim your maternity benefit at Philhealth? Click here to read about it.