SSS Maternity Benefit Calculator for Miscarriage

Estimate the possible SSS maternity benefit for miscarriage, stillbirth, or emergency termination of pregnancy.

Select the month when the event happened. This calculator uses the 60-day maternity benefit computation.

Important: Use the actual month of miscarriage, stillbirth, fetal death, or emergency termination. Do not use the original expected delivery date if the event already happened.

Step 1: Select Member Type and Case Type

Choose the closest case shown in your medical record or SSS document request.

Step 2: Select the Event Month

Your Qualifying Period

Semester of Contingency

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Qualifying Period

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SSS generally checks if you have at least 3 posted monthly contributions inside this qualifying period.

Step 3: Enter MSC or Contribution Amounts

Enter either your Monthly Salary Credit (MSC) or your contribution amount. The fields will auto-sync. For maternity benefit computation, MSC is capped at 20,000.

Need extra funds while waiting?

SSS maternity benefit processing and document review can take time. If you need backup funds for hospital bills, medicines, checkups, or recovery expenses, you can check this option.

Check UnionBank Credit Card Option

What to do next

If your estimate shows a possible benefit, check your posted contributions and prepare the documents SSS may require for miscarriage, stillbirth, or emergency termination of pregnancy.

1. Check posted contributions
Make sure the contribution months inside your qualifying period are posted in My.SSS.
2. Prepare medical proof
Prepare the medical certificate, hospital record, ultrasound, or other documents requested for your case.
3. File through the correct route
Employees usually coordinate with the employer. Voluntary, self-employed, OFW, or separated members may need to file directly through SSS channels.
How to Apply for SSS Miscarriage Benefit I Did Not File MAT-1 Before Miscarriage View Miscarriage Benefit Requirements Can I File My Miscarriage Claim Online? Check If My SSS Contributions Are Posted

If you did not qualify based on the entries

Based on the values entered, there are fewer than 3 contribution months inside the qualifying period. Future or late payments usually cannot change the result for a miscarriage, stillbirth, or ETP that already happened.

Do not guess yet: First check your My.SSS record. Some contributions may be posted under a different applicable month than expected.
Check Posted SSS Contributions Recheck My Qualifying Period

SSS maternity benefit for miscarriage: quick answer

For miscarriage, stillbirth, or emergency termination of pregnancy, the SSS maternity benefit is commonly computed using 60 days. The qualifying period is based on the month when the event happened.

This is different from a normal delivery or cesarean delivery because those cases use a longer number of compensable days.

What if you did not file MAT-1 before miscarriage?

Many members only find out about MAT-1 after the miscarriage or ETP already happened. If this is your situation, do not stop at the calculator result. Check what filing route, documents, and explanation may be needed for your case.

What to Do If MAT-1 Was Not Filed Before Miscarriage

How to compute SSS maternity benefit for miscarriage

The basic computation is: get the six highest Monthly Salary Credits inside the qualifying period, divide the total by 180, then multiply by 60 days.

Simple formula

Sum of six highest MSCs ÷ 180 × 60 days = estimated SSS maternity benefit for miscarriage.

What date should you use?

Use the actual month and year of the miscarriage, stillbirth, emergency termination of pregnancy, ectopic pregnancy, or hydatidiform mole. Do not use the original expected delivery date once the event already happened.

The event month decides the semester of contingency. The 12 months before that semester become the qualifying period.

Are miscarriage, stillbirth, and ETP requirements the same?

They are similar because they are all under SSS maternity benefit and commonly use the 60-day computation, but the supporting documents are not always the same.

Miscarriage / ETP / ectopic pregnancy / H-mole

SSS may ask for proof of pregnancy and proof of termination of pregnancy, such as a physician-signed pregnancy test, ultrasound, histopathology report, operating room record, medical certificate, records of consultation, clinical abstract, or discharge summary, depending on the case.

Stillbirth / fetal death

SSS may ask for a Certificate of Fetal Death from the LCR, PSA, or Philippine Embassy/Consulate if abroad, depending on when and where the filing is made.

Tip: Use this calculator for the estimate, but check the exact document list before filing because SSS may request different proof depending on the case and timing of filing.

Simple Taglish guide

Kung miscarriage, stillbirth, or ETP ang case

Ang gagamitin ay ang month kung kailan nangyari ang event, hindi ang original expected delivery date.

Hindi na counted ang future hulog

Kung nangyari na ang miscarriage or ETP, future payments usually hindi na makakatulong sa claim na iyon. Ang importante ay posted contributions inside the correct qualifying period.

Next step

I-check muna kung may at least 3 posted contributions sa qualifying period. Pag meron, tingnan ang estimate at ihanda ang medical documents na pwedeng hingin ng SSS.

Need extra funds while your claim is being processed?

If you are dealing with hospital costs, medicines, follow-up checkups, or recovery expenses, you may need a backup fund while waiting for SSS processing.

Check UnionBank Credit Card Option

Frequently asked questions

For miscarriage, stillbirth, or emergency termination of pregnancy, the maternity benefit computation generally uses 60 days.

Use the actual month and year of miscarriage, stillbirth, or emergency termination. That month determines the semester of contingency and qualifying period.

You generally need at least 3 posted monthly contributions inside the correct 12-month qualifying period.

Future or late payments usually cannot change the qualifying period for an event that already happened. Check your posted contributions first before assuming you are not qualified.

You should still check your filing options and prepare your supporting documents. Read our guide for members who did not file MAT-1 before miscarriage.

What to do if MAT-1 was not filed before miscarriage

Related SSS maternity tools

SSS Maternity Qualifying Period Calculator

Use this if you want to check which months count based on a delivery or event month.

Check Qualifying Period

SSS Maternity Benefits Calculator

Use this for normal delivery, cesarean delivery, solo parent, or general maternity benefit estimates.

Use SSS Maternity Benefits Calculator

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Preparing for Baby Expenses?

Hospital delivery in the Philippines can easily cost ₱60,000 - ₱200,000 depending on the hospital and type of delivery. Many parents use a credit card to manage these expenses while waiting for their SSS maternity benefits.

Apply for a UnionBank Credit Card
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