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  • How Can Unemployed Pregnant Women Claim Their SSS and PhilHealth Benefits?

    Are unemployed stay-at-home moms entitled to SSS and Philhealth benefits?
    by Justine Camacho-Tajonera .
To read this story in Tagalog, click here.
  • For stay-at-home moms, out there, you might be wondering how to go about claiming your SSS (Social Security System) or Philhealth (Philippine Health Insurance Corporation) benefits. We turned to a senior HR specialist, Ms. Loida M. Pondevida to shed some light on the topic. Check out the FAQs below.

    1. Can unemployed pregnant women expect benefits from SSS and Philhealth?

    Yes, she can expect benefits from SSS and Philhealth for as long as she’s an active contributing member of both agencies and has:

    At least three posted monthly contributions before the semester of her date of delivery (for SSS).

    At least 9 monthly contributions prior to availment (for Philhealth).

    2. How can unemployed pregnant women ensure that they have benefits under these government agencies?

    a)  To be able to claim both SSS and Philhealth benefits, they should check their membership status first whether active/non-active/non-member by requesting a Static Information Sheet from SSS and a Member Data Record/MDR from Philhealth. For those who have no ID yet, they should apply for an ID at any SSS and Philhealth office.

    b)  The benefit claim, together with the complete requirements, should be filed on time. Claiming period for SSS maternity benefit is within 10 years from date of delivery while claiming period for Philhealth benefit is within 60 calendar days upon hospital discharge.

    Important: In availing of the Philhealth benefit, members are advised to file claims immediately before payment of hospital bills so as to experience a significant discount from the hospital charges. Processing period for reimbursement of these benefits would take around 30 to 60 days.


    Requirements for SSS Maternity Benefits and Philhealth benefits

    3. How much contribution should unemployed pregnant women have made?

    Would it be too late for women who have not been contributing? What’s the minimum contribution or number of months before an unemployed pregnant woman can get her benefits?

    A.  Amount of contribution

    Based on the standard schedule of contribution for voluntary and self-employed members of SSS, a voluntary member may choose the amount of monthly contribution which ranges from P104.00 (minimum) to P1,560.00 (maximum).

    Philhealth’s standard schedule of contribution for voluntary and self-employed members allows a voluntary member to choose the amount of contribution from P100.00 per month (minimum) to 750.00 per month (maximum).

    *The scope of SSS & Philhealth benefits depend on the amount of contribution.

    B. When it is too late

    Pregnant women (at least 2 months pregnant as of July 15, 2010) who have not been contributing to SSS & Philhealth cannot claim their benefits.

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    C. Required number of contributions

    • For SSS, the required number of posted contributions is from 3 months (minimum) to 12 months (maximum) prior to the semester of date of delivery.
    • For Philhealth, the minimum required number of contributions is 9 months prior to availment of benefit.

    Example: Let’s say an unemployed pregnant member who’ll give birth on Feb. 2011 (contingency), only submits SSS payments on August and September 2010. With just two months contribution, she won’t be able to complete the required minimum 3 monthly contributions of SSS and therefore cannot claim her benefits.  

    Based on example above, she also should have started her Philhealth contributions on or before the 10th of May 2010 through Philhealth accredited banks.

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