The SSS maternity benefit is computed based on your average daily salary credit (ADSC), which is determined by the number of contributions you've made and your monthly salary. Here’s how the computation generally works:

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Determine Your Average Daily Salary Credit (ADSC):
To compute your ADSC, SSS takes into account the average monthly salary you&rsquo;ve been earning during the period of your contributions. The ADSC is derived from your monthly salary and the contributions you have made within the qualifying period.

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Qualifying Period:
The qualifying period for maternity benefits is the 12-month period immediately preceding the semester of your pregnancy. You must have at least 3 monthly contributions within this period to qualify for the maternity benefit.

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Benefit Formula:
The basic computation for maternity benefits is as follows:

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<li>For normal delivery (or miscarriage), the benefit is equivalent to 100% of the average daily salary credit (ADSC) multiplied by the number of days for the maternity leave.</li>
<li>For caesarean section delivery, you are entitled to a longer period, typically 105 days, as compared to the 60 days for normal delivery, and the calculation is based on the same ADSC.</li>
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Maximum Benefits:
The SSS maternity benefit is capped at a certain amount depending on your salary credits. For example, the maximum daily salary credit is based on the SSS contribution table, which has set limits depending on your monthly salary bracket.

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Claiming the Benefit:
Once your claim is processed, you&rsquo;ll receive the benefit either as a lump sum or divided into payments, depending on the SSS rules. The total amount is typically credited to your bank account or issued via check.

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To summarize, the SSS maternity benefit computation depends on your salary credits, the number of contributions you&rsquo;ve made, and the type of delivery. Make sure your contributions are up to date, and submit all required documents to ensure accurate computation and timely processing of your maternity benefits.