Who qualifies for the SSS maternity benefit?
You need 3 monthly contributions in the 12 months before the semester of contingency, the two quarters ending in your delivery quarter.
Which months count for a delivery on 15 December 2026
Delivery in Q4 2026
| Span | Detail |
|---|---|
| 12-month period: Jul 2025 – Jun 2026 | 3+ contributions and the 6 highest credits come from here |
| Semester of contingency: Jul 2026 – Dec 2026 | These months do not count |
| Delivery date falls in | Semester of contingency (ignored) | 12-month period that counts |
|---|---|---|
| January–March 2027 | Oct 2026 – Mar 2027 | Oct 2025 – Sep 2026 |
| April–June 2027 | Jan 2027 – Jun 2027 | Jan 2026 – Dec 2026 |
| July–September 2027 | Apr 2027 – Sep 2027 | Apr 2026 – Mar 2027 |
| October–December 2027 | Jul 2027 – Dec 2027 | Jul 2026 – Jun 2027 |
Computed from the SSS definition of the semester of contingency. Source: SSS Maternity Benefit page. As of November 2026.
Self-employed, voluntary and OFW members cannot pay missed months retroactively. Check your posted months in My.SSS, or see what you pay with the SSS contribution calculator.
SSS maternity benefit computation, with a worked example
Add your 6 highest monthly salary credits (MSC) in the 12-month period, divide by 180 for the average daily salary credit (ADSC), then multiply by the days. Credits above ₱20,000 count as ₱20,000 (SSS Circular 2024-006 II.B.1).
- 12-month period
- Jul 2025 – Jun 2026
- Six highest credits
- ₱20,000 + ₱20,000 + ₱18,000 + ₱18,000 + ₱15,000 + ₱15,000
- Sum
- ₱106,000
- ADSC (sum ÷ 180)
- ₱588.89
- × 105 days
- ₱61,833.33
Maternity benefit: ₱61,833.33. The same credits give ₱70,666.67 for a solo parent (120 days) and ₱35,333.33 after a miscarriage (60 days).
| Monthly salary (6 equal credits) | Live birth, 105 days | Solo parent, 120 days | Miscarriage or stillbirth, 60 days |
|---|---|---|---|
| ₱5,000 | ₱17,500.00 | ₱20,000.00 | ₱10,000.00 |
| ₱10,000 | ₱35,000.00 | ₱40,000.00 | ₱20,000.00 |
| ₱15,000 | ₱52,500.00 | ₱60,000.00 | ₱30,000.00 |
| ₱20,000 | ₱70,000.00 | ₱80,000.00 | ₱40,000.00 |
| ₱35,000 (credit capped at ₱20,000) | ₱70,000.00 | ₱80,000.00 | ₱40,000.00 |
Computed from the SSS formula with the ₱20,000 cap in SSS Circular 2024-006; our arithmetic, not SSS-published figures. As of November 2026.
105-day maternity benefit by monthly salary
| Item | Benefit |
|---|---|
| ₱5,000 | ₱17,500 |
| ₱10,000 | ₱35,000 |
| ₱15,000 | ₱52,500 |
| ₱20,000 | ₱70,000 |
| ₱35,000 | ₱70,000 |
With gaps, the sum shrinks: three ₱10,000 credits give ₱17,500.00 for 105 days, because SSS still divides by 180.
SSS maternity benefit requirements by case
| Case | Days | Documents for the claim |
|---|---|---|
| Live birth (normal or caesarean) | 105 | Certificate of Live Birth: civil registrar copy with receipt within 6 months, PSA copy after |
| Stillbirth | 60 | Certificate of Fetal Death |
| Miscarriage, ETP, ectopic or H-mole | 60 | Proof of pregnancy, proof of termination, medical certificate or clinical abstract |
| Solo parent | 120 | Birth documents plus a Solo Parent ID or LGU certification valid on the delivery date |
| Separated, self-employed, voluntary or OFW, previously employed | By case | Plus a Certificate of Separation or Affidavit of Undertaking |
Source: SSS Maternity Benefit page. Foreign documents need an English translation, no apostille. As of November 2026.
“…regardless of whether she gave birth via caesarian section or natural delivery…”
SSS maternity notification: who files it and when
Notify as soon as the pregnancy is confirmed, using the Maternity Notification (SIC-01841), which many members still call "MAT-1".
| Member type | Who notifies SSS | How | Then |
|---|---|---|---|
| Employed | Employer | You hand in the form and proof of pregnancy; the employer notifies SSS in My.SSS | Employer pays you, then files the reimbursement (MBRA) |
| Self-employed, voluntary, non-working spouse, OFW | You | My.SSS, Mobile App or Self-Service Express Terminal | You file the Maternity Benefit Application in My.SSS |
Source: SSS Maternity Benefit page and SSS forms. Online filing since 1 September 2021. As of November 2026.
Attach a copy to your maternity leave letter. No SS number yet? Register with the SSS E-1 form.
How the benefit is paid: employer advance and SSS reimbursement
From notification to payment
1Pregnancy confirmed
Prepare the Maternity Notification and proof of pregnancy.
Employed
Notify the employer
It notifies SSS in My.SSS.
File for leave
Employer pays the full benefit within 30 days.
Employer files MBRA
SSS refunds it 100%.
Plus the salary differential, unless the employer is exempt.
Self-employed, voluntary, OFW or separated
Notify SSS yourself
My.SSS, Mobile App or kiosk.
After the delivery
File the Maternity Benefit Application in My.SSS.
SSS pays you directly.
Salary differential. RA 11210 Sec. 5(c) makes employers pay the gap between the SSS benefit and your full salary. Exempt: distressed employers, retail or service businesses with 10 or fewer workers, micro-businesses with assets of ₱3 million or less, and employers already giving equal or better benefits (DOLE exemption filed each first quarter).
Other rules: the father's 7 days, no pregnancy limit, 10-year deadline
| Rule | What it means | Basis |
|---|---|---|
| Allocation to the father | Up to 7 of the 105 days go to the child's father (married or not) or an alternate caregiver. Days move, not a separate peso amount. Not for miscarriage or ETP. | RA 11210 Sec. 6 |
| No frequency cap | Every pregnancy counts; the old four-delivery limit ended for events from 11 March 2019. | RA 11210 Sec. 3 |
| One benefit per delivery | Twins still get one benefit. It also bars a sickness claim for the same period. | SSS Maternity page |
| Unpaid extension | 30 more days without pay, from the employer. | RA 11210 Sec. 5(b) |
| Filing deadline | 10 years after the delivery or miscarriage. | SSS Maternity page |
Source: RA 11210 and the SSS Maternity Benefit page. As of November 2026.
“…every instance of pregnancy, miscarriage or emergency termination of pregnancy, regardless of frequency.”
What SSS does not pay: paternity and solo parent leave
| Leave | Who pays | Where to read more |
|---|---|---|
| Paternity leave: 7 days with full pay (RA 8187), first four deliveries of the legitimate spouse he lives with | Employer; no SSS paternity benefit exists | Paternity leave |
| Father's share of maternity days (up to 7) | Taken from the mother's SSS benefit | This page |
| Solo parent leave | Employer | Solo parent leave |
| Hospital bills for the delivery | PhilHealth, not SSS | PhilHealth contribution calculator |
Source: RA 8187 Secs. 2–3; RA 11210 Sec. 6. As of November 2026.
Common mistakes in SSS maternity claims
| Mistake | What happens | Do this instead |
|---|---|---|
| Dividing one month's credit by 180 | A ₱20,000 earner gets ₱11,666.67 instead of ₱70,000 | Add the 6 highest credits first, then divide by 180 |
| Using the 120-day figure for everyone | Expecting ₱80,000 when the 105-day maximum is ₱70,000 | 120 days need a valid Solo Parent ID or certification |
| Counting contributions paid in the semester | You think you qualify; SSS denies the claim | Count only the 12 months before the semester |
| Counting salary above ₱20,000 | Overstated estimate | Cap each credit at ₱20,000 |
| Notifying only after the birth | No notification on file when the claim arrives | Notify once pregnancy is confirmed, as SSS asks |
Peso figures computed with this page's calculator.
More in the SSS hub, the SSS pension calculator and the benefits hub.
Buod sa Tagalog
Ang SSS maternity benefit ay 105 araw na bayad para sa panganganak (normal o caesarean), 120 araw kung solo parent, at 60 araw kung nakunan. Kailangan ng hindi bababa sa 3 hulog sa 12 buwan bago ang semester ng panganganak. Ang pinakamataas ay ₱70,000 para sa 105 araw. Kung empleyado ka, ang employer ang magbabayad sa loob ng 30 araw at ire-reimburse ito ng SSS.
Frequently asked questions
+How much is the SSS maternity benefit in 2026?
It depends on your salary credits. Computed from the SSS formula and the ₱20,000 cap, the most is ₱70,000 for a 105-day live birth, ₱80,000 for a solo parent and ₱40,000 after a miscarriage. A steady ₱10,000 salary gives ₱35,000 for 105 days. Use the calculator above with your own credits.
+How do I compute my SSS maternity benefit?
Find the 12 months before your semester of contingency, add the 6 highest monthly salary credits (each capped at ₱20,000), divide by 180, and multiply by 105, 120 or 60 days. Example: credits totalling ₱106,000 give a daily credit of ₱588.89 and a 105-day benefit of ₱61,833.33.
+Can I apply for the maternity benefit after giving birth?
Yes. The claim is filed after the delivery or miscarriage: through your employer's reimbursement filing if you are employed, or your own Maternity Benefit Application in My.SSS. Claims prescribe 10 years after the event. The Maternity Notification should go in as soon as the pregnancy is confirmed.
+Can a solo parent get 120 days of SSS maternity benefit?
Yes. RA 11210 adds 15 days for a solo parent, so a live birth gives 120 days, worth up to ₱80,000 (computed). You need a Solo Parent ID or LGU certification valid on the delivery date. The extra days do not apply to miscarriage or emergency termination, which stay at 60 days.
+What are the SSS maternity benefit requirements for a miscarriage?
Proof of pregnancy, proof of termination, and a medical certificate or clinical abstract. The same applies to emergency termination, ectopic pregnancy and H-mole. A stillbirth needs a Certificate of Fetal Death. All of these pay 60 days, and none of the days can be allocated to the father.
+Can I extend my maternity leave?
Yes, by 30 days without pay under RA 11210 Sec. 5(b). It is unpaid, so it is not part of the SSS benefit; ask your employer in writing before your leave ends. The paid portion stays at 105, 120 or 60 days.
+How do self-employed, voluntary or OFW members apply?
Notify SSS yourself through My.SSS, the SSS Mobile App or a Self-Service Express Terminal once the pregnancy is confirmed. After the delivery, file the Maternity Benefit Application in My.SSS and SSS pays you directly, with no salary differential. If you were previously employed, add a Certificate of Separation or Affidavit of Undertaking.
+Is the SSS maternity benefit computed differently for voluntary members?
No. The formula is the same for every member type: the 6 highest salary credits in the 12-month period ÷ 180 × the days. What differs is the credit you chose to pay on and who pays you. Voluntary members cannot pay missed months retroactively, so gaps lower the sum.
Sources and references
- SSS Maternity Benefit page — qualifying contributions, formula, notification, requirements by case, employer advance, 10-year prescription (checked November 12, 2026)
- RA 11210 (105-Day Expanded Maternity Leave Law) — 105 / 120 / 60 days, 7-day allocation, salary differential and exemptions, no frequency cap (checked November 12, 2026)
- SSS Circular 2024-006 — benefits computed on MSC up to ₱20,000 (II.B.1) (checked November 12, 2026)
- SSS forms — Maternity Notification (SIC-01841) (checked November 12, 2026)
- RA 8187 (Paternity Leave Act of 1996) — 7 days paternity leave with full pay, paid by the employer (checked November 12, 2026)
- My.SSS member portal — maternity notification and Maternity Benefit Application (checked November 12, 2026)
This page is part of our SSS guides and calculators, inside the SSS, Pag-IBIG, PhilHealth and GSIS benefits hub.
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Author and editorial review
Deepak Middha, Chartered Accountant
Chartered Accountant with 18 years in hedge funds; writes and maintains sulat.ph. Every rate, ceiling, deadline and fee on this page is taken from the law or the agency's own circulars and official announcements and was checked against that source on November 12, 2026. Where a figure could not be confirmed officially, the page says so.
Spotted an error or an outdated rule? Send a correction.
Next step
Your employer needs a written leave request with the Maternity Notification attached before it can advance the benefit.
Write your maternity leave letter →