How To Avail 70k SSS Maternity Benefits

How To Avail 70k SSS Maternity Benefits. Expecting a baby is a joyous occasion, but it can also bring financial concerns, especially for working mothers. Fortunately, the Social Security System (SSS) in the Philippines provides maternity benefits to eligible female members, helping to ease the financial burden associated with pregnancy and childbirth.

Starting in 2025, qualified female SSS members can avail of up to Php 70,000 in maternity benefits. For solo parents, this amount goes up to Php 80,000. Understanding the application process, eligibility requirements, and computation methods can help ensure a smooth claim process. This comprehensive guide will provide all the necessary details to successfully avail of SSS maternity benefits in 2025.

The SSS Maternity Benefit is a cash allowance given to female members who are unable to work due to childbirth, miscarriage, or emergency termination of pregnancy. The benefit is computed based on the member’s Average Daily Salary Credit (ADSC) and is granted for a maximum of:

• 105 days for normal delivery or cesarean section
• 60 days for miscarriage or emergency termination of pregnancy
• 120 days for solo parents under the Solo Parents’ Welfare Act

This benefit ensures that mothers receive financial support while recovering and caring for their newborns.

To qualify for the SSS Maternity Benefit, a female member must meet the following requirements:

1. Contribution Requirement: The member must have paid at least three (3) monthly contributions within the 12-month period preceding the semester of childbirth, miscarriage, or emergency termination of pregnancy.
2. Maternity Notification: The member must notify her employer (if employed) or SSS (if self-employed or voluntary) at least 60 days from the date of conception.
3. Employment Status: The benefit applies to employed, self-employed, voluntary, and Overseas Filipino Worker (OFW) members.
4. Proper Documentation: The member must submit the necessary documents to support her claim.

Read also: SSS Retirement Benefits – How Much Is SSS Retirement Benefit

To qualify for the SSS Maternity Benefit, a member must meet the following criteria:

• Must be a female SSS member.
• Must have paid at least three (3) monthly contributions within the 12-month period before the semester of childbirth, miscarriage, or ETP.
• Must have notified SSS of the pregnancy at least 60 days from conception.
• If employed, must inform the employer about the pregnancy and submit the necessary documents.

The maximum SSS maternity benefit a member can receive is ₱70,000, applicable to those with a Monthly Salary Credit (MSC) of ₱20,000 or higher. However, for solo parents, this amount increases to ₱80,000.

Monthly Salary Credit (MSC)	Maternity Benefit (Normal/Cesarean Delivery)	Maternity Benefit (Solo Parent)
₱20,000	₱70,000	₱80,000
₱19,750	₱69,125	₱79,000
₱18,000	₱63,000	₱72,000
₱15,000	₱52,500	₱60,000

The maternity benefit is designed to assist mothers with various expenses during pregnancy and childbirth. Below is a breakdown of the estimated costs covered:

Cost Category	Estimated Expenses
Prenatal Care	₱5,000 – ₱20,000 (Regular check-ups, ultrasounds, medical tests)
Childbirth Expenses	₱20,000 – ₱50,000 (Normal delivery) / ₱50,000 – ₱100,000 (Cesarean)
Postnatal Care	₱5,000 – ₱15,000 (Follow-up check-ups, medical care for mother and newborn)
Baby Essentials	₱10,000 – ₱30,000 (Diapers, clothing, baby formula, accessories)

Notify SSS of Pregnancy

• For employed members: Inform your employer as soon as your pregnancy is confirmed. Your employer will submit the notification to SSS.
• For self-employed, voluntary, and OFW members: File the maternity notification through the SSS website (My.SSS portal) or visit the nearest SSS office.

Submit Required Documents

To apply for the SSS maternity benefit, submit the following documents:

• SSS Maternity Notification Form
• SSS ID or two (2) valid government-issued IDs
• Certification from the employer (if employed) or a copy of Form 2316
• Marriage Contract (if married)
• Medical certificate for miscarriage or emergency termination of pregnancy

Compute Your Maternity Benefit

To estimate the maternity benefit, follow this formula:

• Compute your Average Daily Salary Credit (ADSC)
• Multiply by 105 days (for normal delivery) or 60 days (for miscarriage)

Example Computation: If your Monthly Salary Credit (MSC) is ₱20,000:

• Average Daily Salary Credit = ₱20,000 ÷ 30 = ₱666.67
• Maternity Benefit = ₱666.67 × 105 days = ₱70,000

For solo parents, an additional 15 days is added:

• ₱666.67 × 120 days = ₱80,000

Apply for Maternity Benefits Online

SSS members can apply for maternity benefits online through the SSS website. Follow these steps:

1. Log in to your SSS account
2. Click E-Services
3. Select Apply for Maternity Benefit
4. Fill out the Maternity Benefit Application
5. Attach the required documents
6. Submit and wait for confirmation

Once approved, the maternity benefit will be credited to your registered bank account.

Read also: SSS Maternity Benefits – SSS Maternity Qualifying Period 2025

Claiming and Receiving SSS Maternity Benefits

• You can claim the benefit 60 days before or within 7 days after childbirth.
• The payment is processed within a few months after submitting all required documents.
• Members will receive a notification once the benefit is credited.

A common question that expectant mothers ask is whether they will be able to pay SSS contributions retroactively in order to qualify for maternity benefits. It is not possible to make backdated payments, that’s the bad news.

According to SSS regulations:

“Contributions paid within or after the semester of the contingent shall not be considered in the calculation of benefit.”

Self-Employed (SE), Voluntary Members (VM), and Non-Working Spouses (NWS):

• Payments missed cannot be made up later
• Payments are not allowed retroactively

“SE, VM, and NWS contributions are not allowed to be late, so missed months will remain as payment gaps due to the fact that retroactive payments are not permitted”.

For OFW members:

“No contribution paid backwards by a land-based OFW member based on the above deadline shall be used in determining his/her eligibility to any benefit obtained from contingencies wherein the date of payment is within or after the semester of the contingency.”

How do I qualify for 70k maternity benefits?

Ans: At least three months of contributions must have been paid before your date of delivery and these three months must have occurred within the last six months before your delivery date. The member must have paid at least 9 months of contributions in the last 12 months if they are not an employee or self-employed.

How is a SSS maternity claim calculated?

Ans: Your monthly salary credit determines your maternity benefits under the SSS. Calculate your daily maternity benefit by taking your average monthly salary credit (AMSC) over the past 12 months and dividing it by 180 days.

How many SSS contributions do I need for maternity benefit?

Ans: A qualifying condition must be met. In order to qualify for this benefit, a member must: Have paid at least three (3) months of contributions immediately preceding the semester of childbirth, miscarriage, or ETP.

The SSS maternity benefit is a valuable financial aid for expectant mothers in the Philippines. By understanding the eligibility requirements, application process, and computation methods, you can ensure a smooth and successful claim.