How To Avail 70k SSS Maternity Benefits: Complete Guide

Are you a working mom-to-be? If yes, then congrats! You’re about to embark on one of the unique adventures of your life. Learn about the maternity benefits the Social Security System (SSS) offers as you prepare for your baby’s arrival. In this article, we will explain everything you need to know about availing of the 70k SSS maternity benefit. Keep reading for more information!

What Maternity Benefits In SSS Members?

Since March 11, 2019, maternity leave increased to 105 days from 60 for normal delivery and 78 for C-sections. If she is the only parent, she gets 15 more days. If there is a miscarriage or ETP, the woman gets 60 days off. The new law allows unlimited maternity leaves for all pregnancies, miscarriages, or ETPs, not just the first four as before.

Related: SSS Paternity Leave: How to File and FAQs for Working Dads

Qualified female members receive the SSS maternity benefit as a cash allowance. For maternity benefits, pay three monthly contributions within a year before childbirth, miscarriage, or ETP. Employed members should notify their employers after they find out about their pregnancy.

Self-employed, voluntary, and OFW members may submit the maternity notification online on the My.SSS portal on the SSS website or through the SSS Mobile App. Remember, members, that only contributions paid before the semester of childbirth, miscarriage, or ETP determine eligibility for maternity benefits. Are you qualified? Then, let’s see the requirements needed below.

Related: How To Pay SSS Loan In Bayad Center

What Are The Requirements To Avail The 70k SSS Maternity Benefits?

To qualify, pay three contributions before the semester of childbirth, miscarriage, or emergency termination.

If you are employed

You should notify your employer about your pregnancy and give them the due date. Your employer will then file the maternity notification to SSS on your behalf. You must present a medical certificate from a licensed obstetrician-gynecologist confirming your pregnancy and expected delivery date to your employer.

Your company will shoulder the cost of this medical certificate. Suppose you’re not comfortable with sharing this information with your employer. In that case, you may file the maternity notification online or through the SSS mobile app, as long as you have an e-mail address.

If you are self-employed, voluntary, OFW, or non-working spouse

You should file the maternity notification online or through the SSS mobile app. Upload a scanned medical certificate from a licensed obstetrician-gynecologist confirming pregnancy and expected delivery date.

After notifying the SSS, members may now start filing their claims for maternity benefits. File maternity benefit applications from 60 days before to 7 days after the expected delivery date.

How To Compute For The Maternity Benefits?

Maternity benefits are 100% of the ADSC times 105 days for normal or cesarean delivery and 60 days for miscarriage or emergency termination. For solo parents, there will be an additional 15 days.

Calculate the average daily salary credit by dividing total salary credits in the reference period by the number of days. The reference period is the 180 days immediately preceding the first day of her ailment.

Note: To compute the MSC, you will exclude the semester where the delivery occurs. For example, if the delivery date is August 2022, the counting will start in June 2022 backward for 12 months.

For example, if your monthly salary is PHP 30,000 from June 2022 to July 2021, your MSC would be PHP 20,000. PHP 120,000 would total your six highest MSCs (PHP 20,000 x 6).

For example, a member with an ADSC of Php 666.67 who gave birth through C-section or normal delivery will receive Php 70,000 (Php 666.67 x 105 days).

Meanwhile, a member who underwent an emergency termination of pregnancy or miscarriage will receive Php 40,000 (Php 666.67 x 60 days).

If you are a solo parent, you may qualify for an additional 15 days of paid leave. Multiply the maternity benefit by 120 days, and you can receive up to Php 80,000 (666.67 x 120 days).

Compute Here!

SSS Maternity Benefit Calculator

SSS Maternity Benefit Calculator

The maximum amount for maternity benefits under the Social Security System (SSS) in the Philippines is reported to be up to ₱80,000 for eligible members as of 2023. This maximum benefit applies to members with a Monthly Salary Credit (MSC) of ₱20,000 (those earning ₱19,750 and above per month)​. This means that members with a monthly salary credit of ₱20,000 can receive the maximum amount, assuming a normal or cesarean delivery with a 105-day maternity leave duration​.

However, there’s another source mentioning a different figure. It states that the maximum amount a maternity leave benefit can reach in a month is ₱16,000, leading to a total maximum maternity benefit of ₱32,000 for normal delivery or ₱41,600 for cesarean delivery.​

How To File A Claim For SSS Benefit Maternity?

Female members must file a claim for maternity benefits in person at the nearest SSS Branch or through online channels. Necessary documents such as a birth certificate and prenatal care records should be submitted along with the application​.

The benefit claim can be initiated as early as 60 days before the expected delivery date or within 7 days after the baby is born. All requirements, including the maternity notification and birth certificate, should be submitted for processing the claim. Once all documents are complete, members can expect to receive their benefits within a few months of submitting the claim​.

You can file a claim for maternity benefits by:

Visiting the nearest SSS Branch – fill out an application form and submit the required documents. The Social Security Officer will evaluate your application and approve or deny your claim.

Filing online – log in to your My.SSS account, complete the application form and upload the required documents. Once your application has been processed, you will receive an email notification informing you of the decision on your claim.

Frequently Asked Questions (FAQs) on SSS Benefit Maternity

Q: How long is the maternity benefit period?

A: Benefits are 105 days for normal delivery, 120 for solo parents, and 60 for miscarriage or emergency termination.

Q: How much is the maternity benefit?

A: Benefit equals 100% of the member’s average daily salary (ADS) times days of leave. E.g., Php 5,000 ADS for 105-day leave gives Php 525,000 in benefits.

Q: Who should shoulder the cost of my medical certificate?

A: If you are employed, your company should cover the cost of the medical certificate. However, if you are self-employed or a non-working spouse, you must pay for the medical certificate.

Q: How do I file a claim for maternity benefits?

A: File a maternity benefits claim at an SSS Branch or online via your My.SSS account.

Q: Do I need to submit other documents when I file my claim?

A: Yes, you must submit your medical certificate, proof of income, and proof of identity.

Q: How will I receive my maternity benefit?

A: The benefit will be deposited directly into your bank account or paid through a check.

Q: I am a solo parent. Am I entitled to extended maternity leave?

A: You qualify for an additional 15 days of paid leave. Multiply the maternity benefit by 120 days, and you can receive up to Php 80,000 (666.67 x 120 days).


Maternity leave and benefits are essential social security benefits that every working mother should know about. If pregnant and planning time off work, understand the Philippines maternity leave and benefits. This guide outlines how to access up to 70k SSS maternity benefits in 2022, explaining eligibility, leave duration, and extra perks. Now you’re informed on Philippines maternity benefits, whether starting or expanding your family.

Recommended: How to Check SSS Contribution Online and Offline


  1. Hi, Nag resign po ako sa work last January 25, 2023. My expected delivery will be this coming September. Hindi na ako nakabayad ng contri after I resigned. Qualified pa rin ba ako to get Maternity benefits?

  2. Hello. Resigned na po kasi si misis. 1year ago. Right now virtual assistant sya and nakakapagcontribute. Manganganak po sya sa march. Pwede pa po ba sya makakuha ng benefits?

Leave a Reply

Your email address will not be published. Required fields are marked *