Pregnant and getting ready for your baby’s arrival? Between prenatal checkups, hospital bills, and baby essentials, it’s no secret that having a child comes with a hefty price tag. Thankfully, if you’re an SSS member, you may be entitled to maternity benefits that can provide some much-needed financial relief.
But how exactly do you claim it? Who qualifies? And how much are you entitled to? Whether you’re a first-time mom or already raising little ones, this guide breaks down everything you need to know, including how to compute your SSS maternity benefits.
What Are SSS Maternity Benefits?
The SSS maternity benefit is a government-mandated cash allowance granted to a female SSS member who is unable to work due to childbirth, miscarriage, or emergency termination of pregnancy.
This benefit is available to:
Who Is Eligible?
How to Avail SSS Maternity Benefits: Everything You Need to Know
You may claim your SSS maternity benefit if:
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You’ve paid at least three (3) monthly contributions within the 12-month period before the semester of your delivery, miscarriage, or emergency termination.
Example:
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You submitted a maternity notification:
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Employed members: Notify your employer, who will file the maternity notification with SSS within 15 days.
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Voluntary/self-employed/unemployed/OFW: File the notification yourself directly via the My.SSS portal or SSS branch.
How to Apply for SSS Maternity Benefits
You can now file online via the My.SSS portal:
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Submit the Maternity Notification (MAT-1) with proof of pregnancy (ultrasound report or medical certificate).
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If employed, give this to your HR.
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If voluntary/separated/OFW, upload it on My.SSS.
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File the Maternity Benefit Application (MBA):
Note: The maternity benefit will be paid directly to the member for voluntary or unemployed applicants. For employed moms, the employer advances the benefit and is later reimbursed by SSS.
How Many Days of Leave Can You Claim?
Under the Expanded Maternity Leave Law (RA 11210):
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105 days of paid leave for live childbirth (regardless of delivery type)
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120 days for qualified solo parents (105 + 15 days under RA 8972)
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60 days for miscarriage or emergency termination of pregnancy
These calendar days include weekends and holidays, and you must avail them continuously.
How to Compute Your SSS Maternity Benefit
To compute your benefit:
Step 1: Get your Average Daily Salary Credit (ADSC):
ADSC = Total of your 6 highest Monthly Salary Credits (MSC) in the last 12 months before the semester of contingency ÷ 180
Step 2: Multiply the ADSC by the number of compensable days:
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105 days – for childbirth
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120 days – for solo parents
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60 days – for miscarriage
Example:
If your MSC is ₱40,000:
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₱40,000 ÷ 180 = ₱222.22 (ADSC)
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₱222.22 × 105 = ₱23,333.10 maternity benefit for childbirth
Final Reminders for Claiming Your Benefit
How to Avail SSS Maternity Benefits: Everything You Need to Know
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You can claim maternity benefits for every pregnancy, provided you meet the qualifying contributions and requirements.
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File early and keep your contributions up to date.
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For faster processing, use the My.SSS online portal.
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For help, visit the official SSS website or speak with your company’s HR representative.
Claim What You Deserve
Motherhood is a beautiful journey, but it also comes with challenges—especially financial ones. The good news? You don’t have to shoulder it alone. By knowing how to claim and compute your SSS maternity benefits, you’re giving yourself (and your baby!) a better start.
Plan ahead, process your requirements early, and make the most of the support you’re entitled to. Every peso counts when you’re preparing for the little one’s arrival!
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