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Yung 20k is yung monthly salary credit. If tama ang 20k monthly salary credit mo then you'll get 70k as maternity benefit. Depende po kasi sa hinuhulog mo. Are you currently employed or voluntary po? If employed, is your contribution amounting to 800 po? Or if voluntary, are you paying 2,400 monthly. Yan po kasi contribution for 20k salary credit.