Who qualifies
From the SSS's official maternity benefit page, a female member qualifies if she:
- has paid at least three monthly contributions in the 12-month period immediately before the semester of childbirth, miscarriage or emergency termination of pregnancy (ETP). Only contributions paid before that semester count.
- has notified her employer of the pregnancy and expected date of delivery, if employed.
- has notified the SSS directly, if she's self-employed, a voluntary member, a non-working spouse or an OFW.
It's granted for every childbirth, miscarriage or ETP, regardless of civil status, employment status, legitimacy of the child or how many pregnancies you've had.
How much you get
| Case | Days paid |
|---|---|
| Live birth (normal or caesarean) | 105 days |
| Qualified solo parent (RA 8972) | 120 days (105 + 15) |
| Miscarriage, ETP or stillbirth | 60 days |
The daily amount is 100% of your average daily salary credit (ADSC). Only one benefit is paid per delivery, even for twins or triplets.
Employed members get full pay. The employer pays the salary differential (your regular wage minus the SSS benefit) for the whole leave, except distressed establishments, retail or service businesses with 10 or fewer workers, micro-businesses with assets of ₱3 million or less, and employers that already give the same or better benefits. Self-employed, voluntary, non-working spouse and OFW members get the SSS benefit only.
How the SSS computes it
This is the SSS's own method, with its official example:
Find the semester of contingency
A semester is two consecutive quarters ending in the quarter of childbirth. Quarters end in March, June, September and December. A birth in October falls in the quarter October–December, so the semester is July–December.
Count back 12 months
from the month before the semester. For an October birth: the July of the previous year to June of the birth year.
Add your six highest monthly salary credits (MSC)
in those 12 months. For benefits, the MSC counts only up to ₱20,000.
Divide by 180
to get your average daily salary credit (ADSC).
Multiply by 105, 120 or 60 days
The SSS's example. A member gave birth in October 2021. Her six highest MSCs in July 2020 to June 2021 were ₱16,000 each: ₱96,000 ÷ 180 = ₱533.33 a day × 105 days = ₱56,000.
Uses the SSS's official formula and assumes the same salary every month. Runs on your phone only; nothing is sent or saved.
Maternity benefit by MSC
If your monthly salary credit was the same for at least six months in the 12-month period:
| Monthly salary credit | Daily allowance (ADSC) | Live birth (105 days) | Solo parent (120 days) | Miscarriage / ETP (60 days) |
|---|---|---|---|---|
| ₱5,000.00 | ₱166.67 | ₱17,500.00 | ₱20,000.00 | ₱10,000.00 |
| ₱8,000.00 | ₱266.67 | ₱28,000.00 | ₱32,000.00 | ₱16,000.00 |
| ₱10,000.00 | ₱333.33 | ₱35,000.00 | ₱40,000.00 | ₱20,000.00 |
| ₱12,000.00 | ₱400.00 | ₱42,000.00 | ₱48,000.00 | ₱24,000.00 |
| ₱15,000.00 | ₱500.00 | ₱52,500.00 | ₱60,000.00 | ₱30,000.00 |
| ₱18,000.00 | ₱600.00 | ₱63,000.00 | ₱72,000.00 | ₱36,000.00 |
| ₱20,000.00 or more | ₱666.67 | ₱70,000.00 | ₱80,000.00 | ₱40,000.00 |
Notify first: the maternity notification
- Employed: as soon as your pregnancy is confirmed, give your employer a Maternity Notification with proof of pregnancy (a pregnancy test signed by a physician or municipal health officer, or an ultrasound, Beta HCG or early pregnancy factor result). Your employer notifies the SSS through its My.SSS account.
- Self-employed, voluntary, non-working spouse or OFW: notify the SSS yourself through My.SSS, the SSS Mobile App or a Self-Service Express Terminal.
Show as a table
| Case | Days paid | Maximum benefit |
|---|---|---|
| Miscarriage, ETP or stillbirth | 60 days | Up to ₱40,000 |
| Live birth (normal or caesarean) | 105 days | Up to ₱70,000 |
| Live birth, qualified solo parent | 120 days | Up to ₱80,000 |
100% of your average daily salary credit (ADSC) for each day. Maximums use the ₱20,000 MSC cap for benefits. Source: SSS Maternity Benefit page (RA 11210).
How to file and get paid
- Since 1 September 2021, the Maternity Benefit Application is filed online through My.SSS.
- Employed members: your employer advances the full benefit within 30 days of your maternity leave application, and the SSS reimburses the employer.
- Separated, unemployed, self-employed, voluntary, OFW and non-working spouse members are paid directly by the SSS.
- The benefit goes to the bank or e-wallet account you enrolled in the Disbursement Account Enrollment Module (DAEM) in My.SSS. Members can enroll up to three accounts.
- You can file up to 10 years from the date of delivery, miscarriage or ETP.
Requirements (live birth)
Upload a clear scan of the original or a certified true copy of one of these:
- the child's Certificate of Live Birth registered with the Local Civil Registrar, with the official or acknowledgement receipt, if you file within six months of delivery
- the child's PSA birth certificate with the receipt, if you file after six months
- a Report of Birth from a Philippine embassy or consulate, or the foreign equivalent with an English translation, for births abroad
Qualified solo parents also upload a valid Solo Parent ID or the LGU's certification of eligibility. Members separated from employment upload a Certificate of Separation stating that no advance payment was made.
For miscarriage or ETP, you need proof of pregnancy, proof of termination and a medical certificate, clinical abstract or consultation record, all signed by a physician.
Using the leave
- For a live birth, the 105 days can be split between before and after delivery, but postnatal leave can't be less than 60 days.
- You can give up to 7 days of your leave to the child's father (married or not) or a qualified alternate caregiver. This doesn't apply to miscarriage or ETP.
Sa Tagalog: magkano ang SSS maternity benefit?
Ang SSS maternity benefit ay 100% ng average daily salary credit mo sa loob ng 105 araw (normal o caesarean), 120 araw para sa solo parent, o 60 araw para sa miscarriage. Kailangan ng hindi bababa sa 3 buwang hulog sa loob ng 12 buwan bago ang semester ng panganganak, at dapat kang mag-notify sa employer o sa SSS. Ang pinakamataas ay ₱70,000 para sa panganganak. Mag-file online sa My.SSS.
- 1Check eligibility3+ contributions in the 12 months before the semester of birth
- 2NotifyYour employer, or the SSS if self-employed, voluntary or OFW
- 3File onlineMaternity benefit application in My.SSS
- 4Get paid100% of your ADSC × days
Source: SSS Maternity Benefit page (RA 11210).
Frequently asked questions
How much is the SSS maternity benefit in 2026?
It's 100% of your average daily salary credit for 105 days (live birth), 120 days (solo parent) or 60 days (miscarriage or ETP). Because benefits use an MSC of up to ₱20,000, the maximum is ₱70,000 for a live birth, ₱80,000 for a solo parent and ₱40,000 for a miscarriage.
How many contributions do I need for maternity benefit?
At least three monthly contributions in the 12 months before the semester of your childbirth, miscarriage or ETP, paid before that semester.
Can voluntary members and OFWs claim maternity benefit?
Yes. Self-employed, voluntary, non-working spouse and OFW members qualify if they meet the contribution rule, and they notify the SSS directly through My.SSS, the SSS app or a Self-Service Express Terminal.
Is the maternity benefit the same for caesarean delivery?
Yes. Under the Expanded Maternity Leave Law, live births get 105 days whether normal or caesarean.
How long do I have to file?
Up to 10 years from the date of delivery, miscarriage or ETP.
Do contributions paid during my pregnancy count?
Only those paid before the semester of contingency. Contributions paid within or after that semester aren't counted.
Keep reading
SSS maternity calculator
Your maternity benefit from your delivery month and salary.
Open tool DocumentSSS contribution table 2026
The official 2026 rates, the full table and a calculator.
Read guide DocumentSSS voluntary, self-employed & OFW
What you pay when no employer shares the cost, and how to pay it.
Read guideSources
Last checked 4 October 2026. See how we research and the updates log.