100% of your average daily salary credit for 105 days (120 for solo parents, 60 for miscarriage). Enter your salary credit and see your amount instantly.
Average of your 6 highest MSCs in the qualifying year. Capped at ₱20,000.
Requires at least 3 contributions in the 12 months before the semester of delivery, plus a maternity notification to SSS. Your official amount is computed from your actual posted MSCs.
The viral "70K from SSS" is exactly this ceiling: 6 MSCs at the ₱20,000 cap gives ₱70,000 for 105 days. Contributing above ₱20,000 MSC does not raise it — that money goes to WISP instead. What matters is having your MSC at ₱20,000 in the right months — check the cost on our contribution calculator.
| MSC (capped) | ADSC | 105 days | 120 days (solo parent) | 60 days |
|---|---|---|---|---|
| ₱10,000 | ₱333.33 | ₱35,000 | ₱40,000 | ₱20,000 |
| ₱15,000 | ₱500.00 | ₱52,500 | ₱60,000 | ₱30,000 |
| ₱20,000 | ₱666.67 | ₱70,000 | ₱80,000 | ₱40,000 |
6 highest MSCs (capped ₱20,000) ÷ 180 × days: 105 live birth, 120 solo parent, 60 miscarriage.
Six months at the ₱20,000 MSC cap in the qualifying period. That's the whole trick.
3 in the 12 months before the semester of delivery, plus the maternity notification.
Yes — 105 days either way under RA 11210.
Not for maternity — the excess funds WISP (retirement savings) instead.
Yes — same rules; the benefit follows contributions, not employment status.