Published: June 19, 2018 | Updated: June 8, 2020 | Posted by: Venus Zoleta | Government Services
Is a baby on the way? As a soon-to-be parent, you couldn’t be more excited. But you also couldn’t help being worried about the costs of pregnancy and childbirth. Do you have enough money to cover all of them?
Whether you’re financially ready for a baby or not, you should know all the government-mandated benefits you’re entitled to and factor them into your budget.
Maternity benefits in the Philippines may not be worth that much, but they can certainly help ease the financial burden that comes with preparing for a newborn.
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Before we discuss the maternity benefits for Filipino moms, it’s important to check first if you’re qualified for them.
Employed and stay-at-home or work-from-home mothers—married or not—can avail of maternity benefits of PhilHealth and SSS. To qualify, pregnant moms must meet the requirements of these government agencies.
Pregnant mothers in the Philippines are entitled to a paid 105 days of maternity leave in case of normal delivery, and 60 days of leave credits for miscarriage or abortion as required by Republic Act 7322. 7 of those leave credits are transferable to fathers. Those who give birth via caesarian section can take a leave for 78 calendar days.
Your employer may provide longer maternity leaves beyond what the law mandates. Check your employment contract and collective bargaining agreement (CBA) or ask your HR department about it.
While you’re on maternity leave either due to childbirth or miscarriage, you’ll receive a daily cash allowance equal to your average daily salary credit based on the SSS maternity benefit computation.
This SSS maternity benefit is paid for 60 days for normal delivery or 78 days for caesarian delivery.
Your employer is required by law to issue your full maternity benefit within 30 days since you filed your maternity leave. The SSS will then reimburse the full amount that your employer paid to you. For self-employed or voluntary members, the SSS will pay the benefit directly to them.
PhilHealth covers the health care needs of its active, pregnant members and their newborns through different maternity benefit packages.
PHP 1,500 in PhilHealth-accredited non-hospital facilities
PhilHealth also covers health care services for caesarian delivery and other types of delivery in any accredited hospital.
Newborns within their first hours of life, whether normal or caesarian delivery, can receive the following PhilHealth benefits:
These are benefit packages for expectant moms (24 to 36 and 6/7 weeks pregnant) who are at risk of premature delivery, as well as premature newborns (fetal age of 24 weeks to less than 37 weeks) and small babies (500g to 2,499g fetal weight).
To make sure that you’ll get the maternity benefits of SSS and PhilHealth, check or update your membership status with these agencies. Ask for a Member Data Record (MDR) from Philhealth and a Static Information Sheet from SSS. You also need to check your SSS and PhilHealth contributions to confirm if your employer is remitting them.