SSS Maternity Benefits 2025: Complete Guide to Eligibility, Requirements, and Computation

Becoming a mother is one of life’s most rewarding experiences — but it also comes with financial challenges. Fortunately, the Social Security System (SSS) in the Philippines offers maternity benefits designed to support female members during pregnancy, childbirth, or miscarriage.

In this complete guide, we’ll explain what SSS Maternity Benefits 2025 are, who can avail of them, how to compute your benefit, and how to file your claim step by step.

What Are SSS Maternity Benefits?

The SSS Maternity Benefit is a daily cash allowance granted to a female SSS member who is unable to work due to childbirth, miscarriage, or emergency termination of pregnancy (ETP).

This benefit is given to all eligible members regardless of civil status, employment type, or number of pregnancies. Whether you’re a full-time employee, self-employed, OFW, or voluntary member, you may qualify for this government benefit.

Who Can Avail of SSS Maternity Benefits?

1. To qualify for the maternity benefit in 2025, a female member must meet the following conditions:
2. At least three (3) monthly SSS contributions within the 12-month period before the semester of childbirth, miscarriage, or ETP.
3. Pregnancy notification must be submitted — to your employer (for employed members) or directly to SSS (for self-employed, voluntary, or OFW members).
4. The member must have a valid SSS number and updated contribution records at the time of application.

Eligible Members:

• Employed women in the private sector
• Self-employed and voluntary members
• Overseas Filipino Workers (OFWs)
• Non-working spouses registered under their working partner’s SSS record

Number of Days Covered

Under Republic Act No. 11210 or the Expanded Maternity Leave Law, eligible female members may enjoy the following paid leave durations:

Situation	Paid Leave Days	Notes
Live childbirth (normal or C-section)	105 days	With full SSS benefit
Solo parent (live birth)	120 days	Must have Solo Parent ID
Miscarriage or ETP (including stillbirth)	60 days	Full SSS benefit

Mothers can also extend their leave by 30 days without pay after their paid maternity leave.

How to Compute SSS Maternity Benefits (2025 Updated Formula)

The amount of benefit you’ll receive depends on your Average Daily Salary Credit (ADSC) and the number of paid leave days.

Maternity Benefit = 100% of ADSC × Number of Paid Leave Days

Step-by-Step Computation:

• Identify the 12 months immediately before the semester of childbirth.
• Select your 6 highest Monthly Salary Credits (MSC) within those 12 months.
• Add the 6 MSCs, then divide the total by 180 to get your ADSC.
• Multiply your ADSC by the number of maternity leave days (105, 120, or 60).

Example:

If your MSC for six months is ₱15,000:

• ₱15,000 × 6 = ₱90,000
• ₱90,000 ÷ 180 = ₱500 ADSC
• ₱500 × 105 days = ₱52,500 maternity benefit

For higher MSCs (₱20,000), benefits can reach ₱70,000 or more.

How to Apply for SSS Maternity Benefits (Step-by-Step)

Step 1: Notify SSS of Pregnancy

• For employees: Inform your employer and submit a MAT-1 Form with proof of pregnancy (ultrasound or doctor’s certificate).
• For self-employed or OFW members: Submit MAT-1 directly to the nearest SSS branch or via My.SSS online portal.

Step 2: Prepare All Requirements

You’ll need:

• MAT-1 (Maternity Notification Form)
• MAT-2 (Maternity Reimbursement Form)
• SSS/UMID ID or valid government ID
• Medical certificate or delivery record
• Child’s birth certificate (for live birth) or medical report (for miscarriage/ETP)
• Proof of SSS contribution

Step 3: File Your Claim

For employed members:
Your employer advances your full benefit within 30 days and later applies for reimbursement from SSS.

For self-employed, voluntary, or OFWs:
Submit MAT-2 directly to SSS after childbirth to claim your benefit. Payment will be released via your disbursement account or PESONet-enrolled bank.

 

Step 4: Wait for SSS Approval

Processing usually takes 5 to 10 working days, depending on document completeness and verification.

Rights and Additional Benefits

Under RA 11210, mothers can:

• Transfer up to 7 days of their paid leave to the child’s father or alternate caregiver.
• Receive tax-exempt maternity benefits.
• Claim benefits even if separated from employment (if childbirth happens within 15 days after resignation).
• Be protected from employment termination due to pregnancy.

Tips to Maximize Your SSS Maternity Benefit

1. Update your SSS records before pregnancy — mismatched names or missing contributions may delay your claim.
2. File early! Notify SSS as soon as pregnancy is confirmed.
3. Enroll your disbursement account in SSS Disbursement Module for faster release.
4. Keep copies of all submitted forms and receipts.
5. Check your SSS contribution history online at sss.gov.ph.

Legal Basis: RA 11210 (Expanded Maternity Leave Law)

The Expanded Maternity Leave Law (RA 11210), signed in 2019, increased the paid leave for mothers from 60 to 105 days, ensuring more time for recovery and bonding with their newborns. It also includes provisions for solo parents and safeguards against employment discrimination.

This law aligns with the Philippine Labor Code and SSS Charter (RA 11199), emphasizing social protection and equal treatment for all working mothers.

Why SSS Maternity Benefits Matter

Key Aspect	Details
Coverage	Childbirth, miscarriage, or emergency termination of pregnancy
Paid Leave	105 days (live birth), 120 days (solo parent), 60 days (miscarriage)
Benefit Amount	100% of ADSC × number of leave days
Application	Through employer or directly to SSS
Law Reference	Republic Act No. 11210 (Expanded Maternity Leave Law)