Finance

OFW Mom’s Guide: How to claim SSS Maternity Benefit if you give birth abroad

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.

how to claim sss maternity benefit (1)

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.

sss login
SSS Login portal

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.

sss msc

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.

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31 thoughts on “OFW Mom’s Guide: How to claim SSS Maternity Benefit if you give birth abroad

  1. Hello!

    I already submitted my Maternity Notification to SSS via online. What should I expect next? Will they be sending a confirmation e-mail that they received the notification or should I just wait until delivery to claim my SSS Maternity Benefit? I was waiting for a confirmation e-mail and the next steps to take but haven’t received one yet. Appreciate your inputs!

    1. Hi Bella, you should receive a confirmation email from SSS. The most important thing to remember is the TRANSACTION NUMBER. Email goes like this:

      Dear Ms. xxxxxx,

      You have successfully submitted your Maternity Notification to SSS. Please take note of your transaction details below:

      Transaction Number: MNM-xxxxxx
      Expected Delivery Date: 0x/0x/20xx

      Thank you for using the SSS Website.

      This is a system-generated e-mail. Please do not reply.

      1. Thanks Ms. Cathy. I checked it again and what happened was my first submission was unsuccessful that is why I didn’t receive a confirmation e-mail. I notified SSS again and this time I got a confirmation e-mail that my Maternity Notification was received by the system, with a Transaction Number included. I am wondering what are the next steps. Will I just wait until delivery then submit the needed documents to SSS when I get back to the Philippines to claim the benefit? Or is it possible to submit the documents online to SSS and have the cheque sent to my Philippine address?

        Thanks a lot for your help!

        1. As long as SSS is officially notified of your pregnancy, you’re good. You submit the other documents only after giving birth. You can ask your relatives to submit the documents at any SSS branch. The check is sent to your nominated PH address. Hope this helps!

  2. Hello mam cathy, SSS wants the birth certificate of the child certified. Is it done in the phil embassy abroad? Like here in US?

    1. Hi Mae, make sure to submit a Report of Birth in your PH embassy. If SSS wants the birth certificate certified, PH embassy should be able to help you with that too. Personally, I was not asked by SSS or PH embassy to submit a birth certificate that’s certified by any agency, just the certificate itself.

  3. Blessed Day Ms. Cathy,

    I just want to ask, what Bank should I provide in the Maternity Benefit Application Form if I’m based in other country? I don’t have any bank account in Philippines, is it possible to give the Bank account details of my siblings/parents?

    Thank you so much.
    God Bless.

    1. Hi Kathe, I don’t remember giving bank acct details in the application form. SSS pay you via check and you (or your siblings/ parents) can encash it any Philippine bank. Hope this helps!

  4. Hi Ms. Cathy,

    My EDD is on feb.24 or March 1st week this year, my last payment was 2014. If im going to pay for january-march this year. Am i eligible for maternity benefit?

    Thanks and Gobless!

    1. Hi Loraine, you should have made at least 3 monthly contributions in Oct 2016 – Sep 2017.

      EDD: Feb 2018
      Period of contingency: Oct 2017 – March 2018
      12 months before contingency period: Oct 2016 – Sep 2017

      My calculations may be wrong. Better go to your nearest SSS branch to see if they can further assist you 🙂

  5. Hello maam cath, ask ko lng po kung anu pwede gwin kc buntis ung hipag kong nasa dubai. Sss member nman po sya.pero uui po sya dto sa pinas, pnu po sya mg fa file ng maternity benifits nia maam cath.

  6. ma’am i have a question regarding late filing of mat 1 .my sister in law gave birth abroad last july 2014 sa japan.since malayo nmn cxa at hindi cxa makakauwi gusto nya gawin akong SPA to claim her maternity benefits..what is the requirements needed po and what is the step by step process po.thanks po.waiting for your reply ma’am cath

    1. Hi Maricris, if she lodged a maternity notification before she gave birth, she (or any representative) can submit requirements and claim the benefit at the SSS branch. You can check out our new infographic where the process is laid out simpler and visually.

  7. Hello Ms. Cathy, itatanong ko lang sana kung maari pa ba ako maka avail ng maternity benefits hindi kasi ako nakapaghulog mula taon ng 2016 ngayon po ay due date ko sa June 2018.

    Kung sakali bang mag start na ako magbayad ng contributions this year lang (Jan 2018 up to date) pwede pa kaya ako mag apply ng maternity benefits.

    Salamat ng marami

    Mildred

    1. EDD: June 2018
      Period of contingency: February 2018 – July 2018
      12 months before contingency period: February 2017 – January 2018

      Hi Mildred, dapat nakabayad ka at at least 3 monthly contributions from Feb 2017 – Jan 2018.

      My calculations maybe wrong. Better go to your nearest SSS branch to see if they can assist you further 🙂

  8. Hi Ms. Cathy!

    I just notified SSS via online yesterday and received a confirmation thru email from sss about the notification.
    My question is, ito na ba yung final? I mean accepted naba or should I wait for another email pa that my notification is already accepted? I made my notification late kasi, I am 5 months already when I notified them.

    Thank you!

    1. Hello Anj, if your submission is successful, you can also check on your SSS online account under E-Sevices > Member Inquiry > SMEC> Maternity Notification.

      Take note of the transaction number. You can call SSS to verify further.

  9. Hi Cathy,

    I am an OFW and gave birth in Jan 22. had my dad file for me the notification in the Phils. But for the reimbursement, they asked me to use the form for ofw and not for the employed which is not available in the sss website. Do you have a copy of it? Also another form they require is a document signed by OB on the numbsr of pregnancies which I also don’t see on the website. Appreciate it if you have any idea on this and how I should go about it. We are going home this week and plan to complete the submission thanks!
    Rizza

    1. Hi Rizza,

      Maternity Reimbursement Form SSS Form MAT-2 –> can be downloaded in the SSS website, link is also in this blogpost. If they implemented a new special form for OFW, I don’t have copy of it.

      OB History Form to be completed and signed by your OB Gyne –> form is given when you file the maternity notification, ask your dad if he received one.

      Hope this helps.

  10. Hi Ms. Cathy,
    Isa po akong ofw i gave birth po nong 2014 tapos ngfile po ako maternity benefits last january 2018 bakasyon ko po sa pinas for 2months kababalik ko lang po abroad, ang problem ko po kc dumating na yong cheke for pick-up na sa sss branch kaso nakaalis na po ako d na umabot, ibibigay po kaya yon sa asawa ko?? ano pong requirements ang kelangan sa bank po kc wla naman problema yong pgpapa_encash kc deposit nalang po sa account ko?

    Thank you!!

  11. Hi Cathy,
    I’m a voluntary member, I’m here abroad and regularly paying sss contribution but my monthly salary credit is 3000 pesos only. Am I qualified for the maternity benefit?

    Thanks a lot.

    Judy

    1. Hi Judy,

      For OFW or self-employed, the minimum MSC is P5000, maximum P16,000. You can learn more about MSC on the SSS website.

  12. Hi! Maam Cathy,

    I am currently in Norway and I sent my maternity notification online and received confirmation from SSS that my maternity notification is successfully submitted. Now I am wondering what is the next thing to do? Should I wait until I give birth and send the required documents? Should I will receive email again from SSS on requirements needed? Where I can obtain that ob history form?

    Thanks in advance.

    Roselyn

  13. Hi!I’ve been lodge my maternity notifications last March so it means im 3 months preggy because I didn’t know im entitle wth benefits.My due date in Aug.

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