If you’re expecting a baby, one of the best financial supports you can get is the SSS Maternity Benefit. This cash allowance is given to eligible female members to help cover expenses during childbirth or miscarriage.
In this guide, you’ll learn who can apply, the requirements, and the exact steps to file your maternity benefit — whether online or through an SSS branch.
What is the SSS Maternity Benefit?
The SSS Maternity Benefit is a daily cash allowance given to female SSS members who are unable to work due to childbirth, miscarriage, or emergency termination of pregnancy.
It is equivalent to 100% of your average daily salary credit multiplied by 105 days (for normal delivery or C-section) or 120 days (for solo mothers under the Solo Parents Act).
Who is Eligible?
You can apply if you:
- Are a female SSS member (employed, self-employed, voluntary, or OFW)
- Have paid at least 3 monthly contributions within the 12-month period before the semester of childbirth/miscarriage
- Have not yet received maternity benefits for the same pregnancy
- Have filed a Maternity Notification with SSS
Required Documents
Prepare the following before applying:
- Maternity Notification Form (if not filed online)
- Medical Certificate or Ultrasound Report (if filing before delivery)
- Child’s Birth Certificate (for post-delivery filing)
- SSS Maternity Reimbursement Form (for self-employed/voluntary members)
- Valid government-issued ID
- For miscarriage or emergency termination: Medical Certificate & Hospital Records
Tip: Always keep photocopies of all documents for your records.
How to Apply for SSS Maternity Benefit Online
Step 1: File Your Maternity Notification
- Log in to your My.SSS account at www.sss.gov.ph.
- Go to E-Services → Submit Maternity Notification.
- Fill in the expected delivery date and other details.
Step 2: Prepare for Reimbursement
- For employees — your employer will advance your maternity benefit and reimburse from SSS.
- For self-employed/voluntary members — you’ll receive it directly from SSS after filing.
Step 3: Submit Your Requirements
- Employees — submit documents to your HR, who will file with SSS.
- Self-employed/voluntary — upload requirements via My.SSS or submit in person at an SSS branch.
Step 4: Wait for Processing
- Online claims typically process within 10–15 working days.
- You’ll receive the benefit through your registered bank account or UMID-ATM.
How to Apply Through an SSS Branch
- Fill out the Maternity Reimbursement Form.
- Attach the required documents.
- Submit them to the nearest SSS branch (appointment recommended).
- Wait for the SMS or email confirmation of benefit release.
How Much Can You Receive?
The benefit is calculated as:
Average Daily Salary Credit (ADSC) × Number of Paid Days
Example for normal delivery:
If your ADSC is ₱500:
₱500 × 105 days = ₱52,500 total maternity benefit.
Common Mistakes to Avoid
- Not filing maternity notification before delivery (for employed members)
- Incorrect or incomplete bank account details in My.SSS
- Submitting documents with mismatched names or dates
- Missing the 10-year prescriptive period to file claims
Frequently Asked Questions
1. Can I apply if I’m no longer employed?
Yes, as long as you are an active SSS member with qualifying contributions.
2. Can I receive the benefit if my employer hasn’t remitted contributions?
You may need to coordinate with your employer or SSS to post the payments before approval.
3. How many times can I claim maternity benefits?
As many times as you become pregnant or experience miscarriage, provided you meet the eligibility each time.
Final Thoughts
The SSS Maternity Benefit is a valuable support for expectant mothers in the Philippines. By knowing the requirements and following the correct process, you can claim what you’re entitled to without delays.
✅ Start early — file your maternity notification as soon as you confirm your pregnancy to make the process smoother.
