Understanding SSS Maternity Benefits: A Comprehensive Guide

Pregnancy is an exciting and transformative time, but it can also bring financial worries. Thankfully, the Social Security System (SSS) in the Philippines offers maternity benefits to help ease the burden on expecting moms. Let’s break down what you need to know!

Am I Eligible for SSS Maternity Benefits?

To qualify, you must meet these key requirements:

  • Active SSS Member: You must be paying SSS contributions regularly.
  • Contribution Requirement: You must have paid at least three (3) monthly SSS contributions within the 12-month period right before the semester your baby is due (or in case of miscarriage or emergency termination).

How Much Will I Receive?

The amount of your SSS maternity benefit depends on a few factors:

  • Type of Delivery: Normal delivery or cesarean section will affect the rate.
  • Number of Dependents: Having more dependents can slightly increase your benefit.
  • Your Salary: The calculation is based on your average daily salary credit.

Generally, you can expect to receive a daily cash allowance for a set period:

  • Normal Delivery: 60 days
  • Cesarean Delivery: 78 days
  • Miscarriage/Emergency Termination: 60 days

How to File Your SSS Maternity Benefit Claim

  1. Inform your employer: Let them know your expected due date or dates of medical procedures.
  2. Gather Documents: Prepare your SSS documents (SS Number, proof of contributions), medical certificates, and employer forms. Check the SSS website: for the full list.
  3. Submit Your Application: You can submit through your employer or directly to an SSS branch.

Additional Things to Know

  • Solo Parents: You might be entitled to an additional 15 days of leave under the Solo Parents Welfare Act.
  • 105-Day Expanded Maternity Leave: This law provides even further benefits in many cases. It’s worth checking your eligibility.
  • Employer Benefits: Your company might offer additional maternity leave or financial support on top of your SSS benefits.

Your Rights as a Filipina Mom-to-Be

The SSS maternity benefit is there to support you during this important time. Understanding this benefit helps you plan financially and focus on what matters most – welcoming your little one into the world.


Please note: Laws and SSS policies can change over time. Always double-check with the official SSS sources for the most current information.