Miscarriage – SSS Maternity Benefits Calculator

Quick answer

SSS maternity benefit can cover miscarriage or emergency termination of pregnancy (ETP). The compensable period is 60 days.

To qualify based on contributions, you need at least 3 monthly contributions within the applicable 12-month qualifying period before the semester of your miscarriage or ETP.

The date that matters is the actual miscarriage / ETP date, not your original EDD.

Calculate My Miscarriage Benefit How to File After Miscarriage

Am I qualified for SSS maternity benefit after miscarriage?

SSS maternity benefit is available for every instance of childbirth, miscarriage, or ETP, regardless of civil status, employment status, legitimacy of the child, or frequency of pregnancy.

For contribution qualification, you need at least 3 monthly contributions within the correct 12-month qualifying period.

Employment status changes the notification, filing, and payment process, but it does not create a separate contribution test for miscarriage.

Does SSS cover miscarriage at any stage of pregnancy?

SSS identifies miscarriage or ETP as a maternity contingency and does not state a separate contribution-qualification rule based on a particular week of pregnancy.

For the claim, what matters is that the pregnancy and its termination are properly documented using the supporting medical records applicable to the case.

How the miscarriage qualifying period works

For miscarriage, use the actual date of miscarriage or ETP as the contingency date. Your original expected delivery date no longer determines the qualifying period once the actual event has happened.

Example: miscarriage in August 2026

Actual event	August 2026
Quarter of contingency	July–September 2026
Semester of contingency	April–September 2026
12-month qualifying period	April 2025–March 2026

You need at least 3 qualifying monthly contributions inside that period. Contributions paid within or after the semester of contingency are not considered for that claim.

Check your exact SSS qualifying period →

Can I pay contributions after the miscarriage to qualify?

You cannot create qualification for the current miscarriage by relying on contributions that SSS does not consider because they were paid within or after the semester of contingency.

Check the applicable contribution month, payment timing, member type, and semester of contingency before assuming that a late payment can still be used for the claim.

How many days does SSS pay for miscarriage?

The compensable maternity period for miscarriage or ETP is 60 days. This is different from the 105-day period for live childbirth.

The benefit is based on your qualifying Monthly Salary Credits (MSCs), not simply on the total pesos you personally paid in contributions.

How is the miscarriage benefit computed?

Determine the correct 12-month qualifying period.
Find the 6 highest Monthly Salary Credits within that period.
Add those 6 MSCs.
Divide the total by 180 to get the Average Daily Salary Credit.
Multiply the daily amount by 60 days.

Formula

(6 highest MSCs ÷ 180) × 60 days

Under the regular SSS benefit computation, the maternity-benefit MSC used for computation is capped at ₱20,000. If all 6 highest qualifying MSCs are ₱20,000, the 60-day maternity benefit is ₱40,000.

Calculate My Exact Estimate

Does my SSS member type affect my miscarriage benefit?

Your member type does not change the basic qualification rule. Employee, voluntary, self-employed, non-working spouse, and OFW members can receive SSS maternity benefit for miscarriage or ETP if they meet the applicable contribution and notification requirements.

What changes is how you notify SSS, how the claim is handled, and who pays the benefit.

Employee	Notify your employer. For a qualified employed member, the employer normally advances the SSS maternity benefit within 30 days from filing the maternity leave application and later claims reimbursement from SSS. The employee is also generally entitled to salary differential from the employer unless a valid exemption applies.
Voluntary	Notify SSS directly. If qualified, SSS pays the maternity benefit directly to you through your approved disbursement account. There is no employer salary differential.
Self-employed	Notify SSS directly and file as an individual member. If qualified, SSS pays the maternity benefit directly to your approved disbursement account.
Non-working spouse	Notify SSS directly. If qualified, the maternity benefit is paid directly by SSS through your approved disbursement account.
OFW	Notify SSS directly. If qualified, SSS pays the maternity benefit directly through your approved disbursement account.

Same core contribution test: at least 3 monthly contributions within the correct 12-month qualifying period. Only contributions paid before the semester of miscarriage or ETP are considered for that claim.

How many days of maternity leave are given after miscarriage?

For miscarriage or ETP, the maternity leave period is 60 days. SSS describes this as 60 days of maternity leave without prenatal leave.

For employed members, the maternity benefit forms part of the full-pay maternity-leave arrangement, together with any applicable salary differential.

The option to allocate up to 7 maternity-leave credits to the child’s father or an alternate caregiver does not apply in cases of miscarriage or ETP.

What pregnancy-loss cases are covered?

SSS supporting-document rules specifically address:

miscarriage;
emergency termination of pregnancy (ETP);
ectopic pregnancy; and
hydatidiform mole.

The exact medical documents depend on the pregnancy-loss case and the records issued by the physician, hospital, or medical facility.

Miscarriage vs stillbirth / fetal death

Both miscarriage/ETP and stillbirth are covered for a 60-day maternity-benefit period, but they are not documented in exactly the same way.

For miscarriage/ETP, SSS requires the applicable proof of pregnancy, proof of termination, and medical document.

For stillbirth or fetal death, SSS uses a Certificate of Fetal Death under its supporting-document rules. Do not use the miscarriage document list as if it were the stillbirth list.

Can I claim for more than one miscarriage or pregnancy event?

Yes. SSS maternity benefit is granted for every instance of childbirth, miscarriage, or ETP, subject to the qualifying rules for each contingency.

A previous childbirth or miscarriage in the same year does not automatically prevent another maternity-benefit claim.

Two miscarriages	Each contingency can be evaluated separately under its own applicable qualifying conditions.
Delivery then miscarriage	A prior delivery does not automatically bar a later miscarriage claim.
Miscarriage then later delivery	A prior miscarriage does not automatically bar a later childbirth claim.

If two maternity-benefit periods overlap, SSS may grant both contingencies consecutively, but the benefit corresponding to the overlapping period is deducted from the current claim.

Special miscarriage situations

I had no prenatal checkups

No prenatal checkups does not remove the documentary requirements. The key question is whether you can submit acceptable proof of pregnancy, proof of termination of pregnancy, and the required physician-signed medical record for your case.

The miscarriage happened because of an accident

The SSS maternity-benefit rules focus on the documented maternity contingency, qualifying contributions, notification, and supporting documents. The benefit page does not create a separate contribution test based on whether the miscarriage was caused by an accident.

Do I need proof that the miscarriage was “natural”?

SSS requires medical proof of the pregnancy and its termination. The supporting-document list focuses on physician-signed medical and diagnostic records rather than a separate document proving that a miscarriage was “natural.”

I was on unpaid leave when the miscarriage happened

Being on unpaid leave does not create a different contribution formula. Check whether you meet the qualifying contribution rule and then follow the filing process that applies to your employment status.

I resigned or separated from employment

A member whose maternity contingency occurred during employment but who is now unemployed or separated can be paid directly by SSS. Additional separation-related supporting documents may be required depending on when the miscarriage occurred in relation to the separation date.

Check the miscarriage filing requirements →

I updated or paid contributions only after the miscarriage

First determine the correct semester of contingency and qualifying period. Contributions that SSS does not consider because of the semester-of-contingency rule cannot be used to create qualification for the current claim.

Check your qualifying period →

What documents are generally required for miscarriage / ETP?

For miscarriage, ETP, ectopic pregnancy, or hydatidiform mole, the SSS supporting-document rules require evidence from three groups.

1. Proof of pregnancy

Any applicable physician-signed proof such as:

pregnancy test;
ultrasound;
blood pregnancy test / Beta HCG; or
early pregnancy factor.

2. Proof of termination of pregnancy

Any applicable physician-signed record such as:

pregnancy test result;
ultrasound result;
histopathological report; or
Operating Room Record (ORR).

3. Medical document

Any applicable physician-signed document such as:

medical certificate;
records of consultation; or
clinical abstract / discharge summary.

Your exact document set depends on your case. Keep clear copies of pregnancy tests, ultrasounds, hospital records, procedure records, medical certificates, and discharge documents you received.

What should I do after a miscarriage?

Use the actual miscarriage date.
This determines your semester of contingency and qualifying period.
Check your qualifying contributions.
Confirm whether at least 3 contributions fall inside the correct 12-month qualifying period.
Save your medical records.
Keep proof of pregnancy, proof of the pregnancy loss, and medical records from your doctor or hospital.
Check how you need to file.
The next step differs for employed members and individual members.
Track the claim after submission.
If approval or payment is delayed, check the exact status rather than filing a duplicate claim immediately.

Common miscarriage claim problems

I did not file MAT-1 before the miscarriage

Do not assume automatically that the claim is impossible. Your exact notification and filing situation needs to be checked together with your member type and supporting records.

Check the no-MAT-1 filing guide →

I have fewer than 3 qualifying contributions

First make sure you are using the correct qualifying period based on the actual miscarriage date. Contributions outside that period cannot fix the qualification for this contingency.

Check the qualifying period →

My miscarriage claim was denied

Review the exact rejection reason before submitting anything again. Contribution qualification, notification, supporting documents, and account information can lead to different fixes.

Check the denied / rejected claim guide →

My claim is still waiting for approval

If you already filed, the next question is no longer qualification—it is whether the claim is still processing, needs correction, or has already moved to payout.

Check the miscarriage approval guide →

Where should each miscarriage question go?

Am I qualified?	Use this guide and the qualifying-period checker.
How much will I get?	Use the miscarriage calculator →
No MAT-1 / MAT-2 / documents / how to file?	Use the miscarriage filing guide →
Claim still pending?	Use the approval guide →
Claim denied?	Use the denied / rejected guide →

Frequently asked questions

Can I get SSS maternity benefit after a miscarriage?

Yes. SSS maternity benefit covers childbirth, miscarriage, and emergency termination of pregnancy. A member must still satisfy the applicable contribution and notification requirements.

How many days are covered for miscarriage under SSS maternity benefit?

Miscarriage or emergency termination of pregnancy, including stillbirth for benefit-duration purposes, is compensated for 60 days.

How many contributions do I need for an SSS miscarriage claim?

You need at least three monthly contributions within the applicable 12-month qualifying period immediately preceding the semester of miscarriage or ETP. Only contributions paid before the semester of contingency are considered for entitlement.

What date should I use to determine the qualifying period after miscarriage?

Use the actual date of miscarriage or emergency termination of pregnancy, not the original expected delivery date, to determine the semester of contingency and qualifying period.

Are voluntary and self-employed SSS members covered for miscarriage?

Yes. The maternity benefit is available regardless of employment status when the applicable qualifying conditions are met. Filing and payment procedures differ by member type.

Is ectopic pregnancy covered by SSS maternity benefit?

SSS supporting-document rules specifically include miscarriage, emergency termination of pregnancy, ectopic pregnancy, and hydatidiform mole.

Can I receive maternity benefit for more than one miscarriage or pregnancy event?

SSS grants maternity benefit for every instance of childbirth, miscarriage, or ETP, subject to the applicable qualifying rules for each contingency. If two maternity benefit periods overlap, both claims may be granted consecutively, with the overlapping amount deducted from the current claim.

How is the SSS maternity benefit for miscarriage computed?

Identify the six highest monthly salary credits within the qualifying period, add them, divide the total by 180 to get the average daily salary credit, then multiply by 60 days.

What if I had no prenatal checkups before the miscarriage?

The important issue is whether you can submit acceptable proof of pregnancy, proof of termination of pregnancy, and the required medical documentation. Lack of routine prenatal visits does not replace those documentary requirements.

What if I did not file MAT-1 before the miscarriage?

Your filing situation should be checked together with your member type, notification history, and supporting documents. Use the dedicated miscarriage filing guide for MAT-1, MAT-2, requirements, and filing steps.

SSS Miscarriage Benefits Guide: Qualification, 60 Days, Computation & Filing