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, especially within the year before you give birth.
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, if any.
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 regularly, you can bulk pay it as an OFW/ Self-employed member.
HIGHLY IMPORTANT: Within the 12-month period prior to your semester of contingency, you should have made at least 3 monthly contributions. Read the section “How to calculate maternity benefit” for more information about the semester of contingency.
You can check if you are eligible to claim maternity benefit via your SSS online account. This can be found under the Eligibility option.
Things to do while you are pregnant
1. Notify SSS of your pregnancy status.
Deadline for submission/ notification is not later than 60 days from the date of conception but not later than the delivery date.
You can notify SSS about your pregnancy status by:
- Going to the nearest branch – 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 under E-Sevices > Submit Maternity Notification.
2. Submit or present the required documents.
Note: If you submit your maternity notification via SSS website, you don’t need to do this step.
- 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
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.
1. 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 at your home address or the address you provided to SSS up to one month.
2. Upon receiving the check, you can encash it at your bank.
How to calculate maternity benefit
Below is a rough summary on 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 four months prior to EDD and the one month succeeding the EDD.
Example: Based on your EDD, the semester of contingency is August 2015 – January 2016.
3. What is the 12-month period prior to your semester of contingency?
This period is simply dating back your semester of contingency to the previous year.
Example: That is, August 2014 – July 2015
HIGHLY IMPORTANT: Within this period, you should have made at least 3 monthly contributions.
4. What is your highest Monthly Salary Credit (MSC) within the 12-month period preceding the semester of contingency?
For OFW or self-employed, the minimum MSC is P5000, maximum P16,000. You can learn more about MSC on the SSS website.
5. Multiply your MSC by 6:
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
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.