SSS Maternity Benefit 2026: Requirements and Computation
Quick answer
The SSS maternity benefit pays 100% of your average daily salary credit for 105 days after a live birth. Solo parents get 120 days, and a miscarriage or emergency termination of pregnancy gives 60 days. The most you can get for a live birth is PHP 70,000. You need at least 3 monthly contributions in the 12 months before the semester of your delivery. File online on My.SSS; if you are employed, your employer pays you first and SSS reimburses it.
What are the requirements?
- At least 3 monthly contributions paid in the 12-month period before the semester of contingency. Contributions paid during or after that semester do not count.
- Employed: you notified your employer of your pregnancy and expected delivery date, with proof of pregnancy. Your employer sends the notification to SSS.
- Self-employed, voluntary, non-working spouse or OFW: you notified SSS directly through My.SSS, the SSS app or a self-service terminal.
- A My.SSS account. See our SSS online registration guide.
- An enrolled bank or e-wallet account in the Disbursement Account Enrollment Module (DAEM) of My.SSS.
- Live birth: the child's Certificate of Live Birth with its official receipt. Use the Local Civil Registrar copy if you file within 6 months, or the PSA copy after that.
- Miscarriage or emergency termination: proof of pregnancy, proof of termination and a medical certificate or record, all signed by a physician.
The benefit applies to every pregnancy, whatever your civil status or employment status.
How the benefit is computed
- Find your semester of contingency: the two quarters ending with the quarter of your delivery. Example: for a birth in August (July to September quarter), the semester is April to September.
- Count 12 months back from the month before that semester. In the example, that is April of last year to March of this year.
- Add your 6 highest monthly salary credits (MSC) in those 12 months. Only MSC up to PHP 20,000 counts.
- Divide the total by 180 to get your average daily salary credit (ADSC).
- Multiply the ADSC by the number of days.
| Case | Days | Maximum benefit |
|---|---|---|
| Live birth, normal or caesarean | 105 | PHP 70,000 |
| Live birth, solo parent | 120 | PHP 80,000 |
| Miscarriage, emergency termination or stillbirth | 60 | PHP 40,000 |
Example: your 6 highest MSCs are PHP 20,000 each, or PHP 120,000. ADSC = 120,000 ÷ 180 = PHP 666.67. Live birth benefit = 666.67 × 105 = PHP 70,000. Try your own numbers in the SSS maternity benefit calculator.
Employed women also get a salary differential from the employer, the gap between the SSS benefit and their full pay. Distressed firms, retail or service shops with up to 10 workers, and micro businesses with assets up to PHP 3 million can be exempt.
How do you apply, step by step?
Online
1. Log in to My.SSS at member.sss.gov.ph
Never share your password or one-time PIN.
2. As soon as your pregnancy is confirmed, send the maternity notification
Employed members give it to their employer instead.
3. Enroll a bank or e-wallet account in DAEM
4. After the delivery or miscarriage, file the Maternity Benefit Application in My.SSS
Employers file a reimbursement application for employees they already paid.
5. Upload clear color scans of the documents listed above
6. Track the status in My.SSS
You get a notice when the money is credited.
Walk-in
Maternity claims have been filed online only since September 2021. If you cannot log in, an SSS branch can help you with your My.SSS account. Find an SSS branch near you.
How long does it take?
- Employed: your employer must pay the full benefit within 30 days after you file your maternity leave application.
- Self-employed, voluntary, OFW, non-working spouse or separated from work: SSS pays you directly to your enrolled account after approval.
- Deadline: you can file up to 10 years from the date of delivery, miscarriage or termination.
Where do you apply?
- Apply on the official website: https://member.sss.gov.ph/members/
- Find SSS offices
What are the common problems and how do you fix them?
Not enough contributions in the right period
Only contributions paid before the semester of contingency count. Payments made later for that period do not help.
No disbursement account
SSS pays only to an account enrolled in DAEM. Enroll one first.
Payment failed
Update or add an account in DAEM, then request re-disbursement in My.SSS.
Name on the birth certificate differs from your SSS record
Update your SSS record first, then file.
Employer did not advance the benefit
Employers must pay within 30 days, then claim from SSS. Ask HR, then report to SSS or DOLE.
Forgot your My.SSS password
Frequently asked questions
How much is the SSS maternity benefit in 2026?
It is your average daily salary credit times 105 days for a live birth. The maximum is PHP 70,000, or PHP 80,000 for solo parents.
How many contributions do I need for SSS maternity?
You need at least 3 monthly contributions in the 12 months before your semester of contingency.
Can voluntary members and OFWs claim the maternity benefit?
Yes. They must meet the same contribution rule and notify SSS directly of the pregnancy.
Is the maternity benefit for every pregnancy?
Yes. RA 11210 covers every childbirth, miscarriage or emergency termination, with no limit on the number of pregnancies.
Can the father use some of the leave?
Yes. You can give up to 7 days of your leave to the child's father or a qualified alternate caregiver. This does not apply after a miscarriage.
Do twins get a double benefit?
No. SSS pays one maternity benefit per delivery, whatever the number of babies.
What if I am unemployed when I give birth?
You can still claim if you meet the contribution rule. SSS pays you directly.
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