Welcoming a new baby is one of life’s most exciting milestones. But it can also bring financial pressure, especially if you’re planning to take time off work. Thankfully, the Social Security System (SSS) of the Philippines offers a maternity benefit of up to ₱70,000—a financial lifeline for qualified mothers.
Whether you’re a first-time mom or adding to a growing family, this guide will walk you through how to claim the maximum ₱70,000 SSS Maternity Benefit, including eligibility criteria, how benefits are computed, step-by-step filing instructions, and practical tips.
What Is the SSS Maternity Benefit?
Maternity Benefit is a cash allowance granted to a female SSS member who is unable to work due to childbirth, miscarriage, or emergency termination of pregnancy. The benefit is meant to replace income during the maternity leave period.
Since the Expanded Maternity Leave Law (RA 11210) took effect in March 2019, qualified members are entitled to:
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105 days of paid leave for live childbirth (normal or cesarean)
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120 days for solo parents
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60 days for miscarriage or emergency termination of pregnancy
The benefit can now reach up to ₱70,000, depending on your monthly salary credit (MSC).
Who Is Eligible?
To qualify, you must meet all of the following:
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Be a female SSS member, whether employed, voluntary, or self-employed
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Have paid at least 3 monthly contributions within the 12-month period immediately before the semester of childbirth or miscarriage
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Have notified SSS (and your employer, if employed) of your pregnancy
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Not be currently employed in the public sector or receiving maternity benefits from another source
How Is the ₱70,000 Maternity Benefit Computed?
The actual amount you’ll receive depends on your Monthly Salary Credit (MSC) and the number of leave days you’re entitled to. The maximum MSC is ₱20,000 as of 2025.
Here’s a simplified formula:
For example, if you’re earning ₱20,000/month:
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6 MSCs = ₱120,000
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₱120,000 / 180 = ₱666.67/day
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₱666.67 × 105 days = ₱70,000.35
That’s how you can reach the ₱70,000 maximum.
How To Avail the ₱70,000?
Step 1: Notify SSS of Your Pregnancy
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Employed members must inform their employer and submit the SSS Maternity Notification Form along with proof of pregnancy (e.g., ultrasound report or doctor’s certification).
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Voluntary/self-employed members must notify SSS directly through:
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The My.SSS portal
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Or by visiting an SSS branchDeadline: Preferably within 60 days from conception
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Step 2: Make Sure You Have Paid the Required Contributions
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Log in to your My.SSS account to check your contributions.
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You must have at least 3 contributions in the 12-month period before the semester of delivery/miscarriage.
Tip: If you’re expecting in October 2025, your semester of contingency is July–December 2025. Your qualifying contributions should fall within July 2024 to June 2025.
Step 3: File the Maternity Benefit Application
Once you give birth or have a qualifying event (e.g., miscarriage), you’ll need to file for the benefit.
Submit:
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SSS Maternity Benefit Application Form (MAT-2)
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Valid ID
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Child’s birth certificate (or death certificate in cases of miscarriage)
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Employer certification (if applicable)
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Proof of solo parent status (if applying for 120-day leave)
You can file via:
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My.SSS online portal
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Drop box or over-the-counter at an SSS branch
Step 4: Wait for Approval and Release
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Processing time: 2–4 weeks, depending on the completeness of documents
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Payment is released via your registered SSS UMID ATM, bank account, or electronic payment channels
Frequently Asked Questions
1. Can I still receive maternity benefits if I’m unemployed?
Yes—voluntary or self-employed members who meet the contribution and notification requirements are eligible, even if they’re not employed at the time of delivery.
2. How many times can I avail of the benefit?
There’s no limit to the number of times you can avail it. However, you must meet the qualification criteria each time you apply.
3. Is the maternity benefit taxable?
No, the SSS maternity benefit is tax-exempt under Philippine laws.
4. What happens if I fail to notify SSS before delivery?
Notification is crucial. Failure to notify may result in denial of your benefit claim, especially for voluntary and self-employed members.
5. Can I receive both SSS and employer maternity benefits?
If you’re employed, the SSS pays your employer, who in turn reimburses you during your maternity leave. You do not receive double benefits.
Claiming the ₱70,000 is your right as a contributing member, and it can be a critical source of financial support during your maternity leave. With proper planning, timely notification, and up-to-date contributions, you can ensure you receive the maximum amount you’re entitled to.
As you prepare to welcome your child, let SSS support your journey with peace of mind and financial stability. Start by checking your eligibility today, and don’t miss your chance to claim this vital benefit.