SSS Maternity Benefit 2026: Requirements, Computation, How to Apply
Quick answer
The SSS maternity benefit pays 100% of your average daily salary credit for 105 days after a live birth, 120 days if you are a solo parent, or 60 days after a miscarriage or emergency termination. You qualify if you paid at least 3 monthly contributions in the 12 months before the semester of your delivery. You apply online on My.SSS, and employed members get the benefit through their employer first.
Requirements
- SSS member with at least 3 monthly contributions in the 12-month period before the semester of contingency. See the example below.
- My.SSS account. See our SSS online registration guide.
- Enrolled disbursement account (bank or e-wallet) in My.SSS, called DAEM.
- Maternity notification sent to SSS (and to your employer, if employed).
- Proof of delivery: PSA birth certificate of the child, or the documents SSS lists.
- For miscarriage or emergency termination: medical records as SSS lists.
- For solo parents: Solo Parent ID.
- Semester of contingency: the two quarters that end with the quarter of your delivery. Example: if you give birth in August (quarter July–September), the semester is April to September. SSS looks at the 12 months before April.
Fees
| Item | Amount | Notes |
|---|---|---|
| Average daily salary credit (ADSC) | Sum of your 6 highest monthly salary credits in the 12-month period ÷ 180 | |
| Live birth | ADSC × 105 days | |
| Solo parent | ADSC × 120 days | |
| Miscarriage or emergency termination | ADSC × 60 days | |
| Maximum benefit | — | Depends on the MSC ceiling |
Steps
Online
1. Log in to My.SSS at member.sss.gov.ph
Never share your password or one-time code.
2. Send your maternity notification, if required, as soon as you know you are pregnant
3. Enroll a disbursement account under "Disbursement Account Enrollment Module" (DAEM)
4. After delivery, file the maternity benefit application
Employed members. your employer files the reimbursement after paying you.
5. Upload the documents asked, such as the child's birth certificate
6. Track the status in My.SSS
Walk-in
1. If you cannot file online, ask an SSS branch for help
Bring your ID, SSS number and documents. See /offices/sss/.
Processing time
- Employed: your employer should pay the full benefit within 30 days after you file.
- Self-employed, voluntary and OFW: SSS credits your disbursement account after approval.
Where to apply
- Apply on the official website: https://member.sss.gov.ph/members/
- Find SSS offices
Common problems and fixes
Not enough contributions in the right period
Only contributions paid before the semester of contingency count. Late payments for that period may not count.
No disbursement account
Enroll one in My.SSS first. SSS pays only to an enrolled account.
Name on birth certificate differs from SSS record
Update your SSS record with the PSA document before filing.
Employer did not advance the benefit
Employers must pay first, then claim from SSS. Ask HR, or report to SSS.
My.SSS login problems
Use "Forgot password". See our Portal Help pages for My.SSS.
Frequently asked questions
How much is the SSS maternity benefit in 2026?
It depends on your salary credits. It is your average daily salary credit × 105 days for live birth. Use our calculator.
How many contributions do I need for SSS maternity?
At least 3 monthly contributions in the 12 months before your semester of contingency.
Can voluntary members and OFWs claim maternity benefit?
Yes, if they meet the contribution rule.
Is the maternity benefit for every pregnancy?
Yes, the law covers every pregnancy, including miscarriage.
Can the father use some of the leave?
Up to 7 days can be given to the child's father or an alternate caregiver.
Do I still need to send a maternity notification?
Check My.SSS for the current rule.
What if I am unemployed when I give birth?
You can still claim if you meet the contribution rule. You file directly with SSS.
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