Understanding SSS Maternity Benefits in the Philippines

Query: How can an employee verify and claim SSS maternity benefits if contributions are missing?

In the Philippines, the Social Security System (SSS) provides maternity benefits to female members who are unable to work due to childbirth or miscarriage. These benefits are intended to cover a portion of the lost income during the maternity leave period. To be eligible for SSS maternity benefits, several requirements and procedures must be met and followed.

Eligibility Criteria

1. Active SSS Membership: The female member must be currently active and have made at least three monthly contributions within the 12-month period immediately preceding the semester of childbirth or miscarriage.

2. Notification Requirement: The member must notify her employer of her pregnancy. For self-employed, voluntary, or overseas Filipino worker (OFW) members, they should directly notify the SSS.

Verification of Contributions

1. Online Verification: Members can verify their contributions through the SSS website by logging into their My.SSS account. This platform provides a detailed record of all contributions made.

2. SSS Branch Inquiry: Members may also visit any SSS branch to request a summary of their contributions. It is advisable to bring a valid ID and the SSS number for verification purposes.

3. Employer Confirmation: Employees should confirm with their employer if contributions have been duly remitted. Employers are required by law to deduct and remit SSS contributions on behalf of their employees.

Steps to Claim Maternity Benefits

1. Notification and Filing: Submit a duly accomplished Maternity Notification Form (MAT-1) to the employer or directly to SSS if self-employed or a voluntary member. This must be done at least 60 days before the expected delivery date.

2. Submit Required Documents: After childbirth or miscarriage, submit the following documents:

   • Maternity Reimbursement Form (MAT-2)
   • Birth certificate or fetal death certificate
   • Maternity leave application approved by the employer (for employed members)
   • Valid ID and SSS number

3. Processing and Approval: The SSS will process the claim and notify the member once the benefits are approved. The benefit amount is based on the member’s average daily salary credit and the number of days of maternity leave (105 days for normal delivery, 120 days for solo parents, and 60 days for miscarriage).

Addressing Missing Contributions

If contributions are missing:

• Employer Verification: Discuss with the employer to verify if the contributions were deducted and not remitted. The employer is legally obligated to remit these contributions.
• SSS Complaint: File a complaint with the SSS against the employer if contributions were deducted but not remitted. The SSS can take legal actions to ensure compliance.
• Documentation and Evidence: Collect and present all relevant documentation, such as pay slips and employment records, to support the claim.

Legal Recourse

If an employer fails to remit contributions, employees can:

• Seek Assistance from DOLE: Contact the Department of Labor and Employment (DOLE) for mediation and resolution.
• Legal Action: Consider legal action for non-compliance with SSS regulations. Employers may face penalties and liabilities for failing to remit contributions.

By ensuring that contributions are regularly verified and properly remitted, employees can safeguard their entitlement to SSS maternity benefits and address any discrepancies promptly.