Being an Overseas Filipino Worker (OFW), you can still avail of your SSS maternity benefit even if you plan to give birth or have given 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 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.
- Make sure that your SSS membership is active.
You can do this by logging on to your personal profile in the SSS website.
At the same time, make sure that your personal informations are updated especially your married name and self-employed status e.g. OFW.
If none of these are true, go to your nearest SSS branch and settle them. In Singapore, the SSS branch is located behind the Iremit outlet in Lucky Plaza.
- Pay your monthly contributions regularly.
You can do this by paying at any international remittance centers.
Your bank can also provide the payment facility for this purpose. At Metrobank, SSS members can make their montly contributions by using the “Bills Payment” option.
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.
Things to do while you are pregnant
Go to your nearest SSS branch to notify your pregnancy status by submitting the requirements.
You must do this as as soon as you learn that you’re having a bun in the oven i.e. pregnant.
- 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 MaternityNotification 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 EDD?
Example: December 4, 2015
2. What is your semester of contingency?
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?
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 MSC within the 12-month period preceeding the semester of contingency?
The minimum MSC is P5000, maximum P16,000. You can learn more about MSC on the SSS website.
5. Multiply by 6:
16,000 x 6 = 96,000
6. Divide by 180 (that is 180 = 6 months x 30 days):
96,000/180 = 533.33
7. 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?