How to Avail 70k SSS Maternity Benefits in 2024 – A Detailed Guide
Expecting a baby can be both exciting and overwhelming for any mother, but it doesn’t have to be financially draining. In the Philippines, the Social Security System (SSS) provides maternity benefits to female members who have paid at least three monthly contributions before their pregnancy.
Starting in 2024, female members can avail of a maximum of Php 80,000 in maternity benefits. However, navigating the process of applying for this benefit can be quite challenging without proper guidance.
This guide aims to provide expecting mothers with a detailed step-by-step procedure on how to avail of the 70k SSS maternity benefit in 2024.
From eligibility requirements to application procedures, this guide will equip you with the necessary information you need to successfully avail of this benefit and ease the financial burden that comes with pregnancy and childbirth.
What is the SSS Maternity Benefit?
The SSS Maternity Benefit is a benefit provided to female SSS members who cannot work due to childbirth, including miscarriage or emergency termination of pregnancy.
It is given in the form of a daily cash allowance, which amounts to 60 or 120 days of the member’s basic salary credit depending on the member’s number of paid contributions.
The calculation of the benefit involves multiplying the individual’s average daily salary credit (ADSC) by either 105 days, in the case of normal delivery or cesarean section, or by 60 days in the case of miscarriage or emergency termination of pregnancy.
For solo parents, an additional 15 days will be given. This means that qualifying members will receive support equivalent to 100% of their ADSC during the covered period to help them cope with the financial demands of having a new child.
How much is the maximum maternity benefit amount?
The highest allowable maternity benefit from the Social Security System (SSS) is ₱70,000, and it is applicable to members with a monthly salary credit (MSC) of ₱20,000 or more, including those who earn ₱19,750 or higher each month.
This means that eligible members who have contributed to the Social Security System can receive up to ₱70,000 in maternity benefits depending on their MSC.
However, for a solo mom, this amount goes up to ₱80,000.
You may also like: the SSS Contribution Table for Voluntary and Non-Working Spouses
Who is eligible to avail of the SSS maternity benefit?
All female SSS members who have paid at least 3 months’ worth of monthly contributions within the 12-month period immediately preceding the semester of their childbirth or miscarriage are eligible for the maternity benefit.
What are the required contributions to avail SSS maternity benefit?
To avail of the maternity benefit provided by the Social Security System (SSS), there are certain contributions that must be met.
To be eligible for certain benefits related to childbirth, miscarriage, or emergency termination of pregnancy, a member must have made a minimum of three monthly contributions within the 12 months leading up to the semester in which such an event occurs.
Additionally, it is important for employed members to inform their employers as soon as they are aware of their pregnancy, as this allows for proper notification of the SSS.
By meeting these requirements, eligible members are able to receive financial assistance to help alleviate the costs associated with having a child or experiencing a pregnancy-related emergency.
Expenses covered by maternity benefit SSS
| Cost Category | Details |
|---|---|
| Prenatal Care | Covers expenses related to regular check-ups, ultrasounds, and necessary medical tests. This can range from ₱5,000 to ₱20,000 depending on the number of visits and tests required. |
| Childbirth Expenses | Includes costs associated with delivery, whether normal or cesarean. Normal deliveries can range from ₱20,000 to ₱50,000, while cesarean deliveries may cost between ₱50,000 to ₱100,000 or more. |
| Postnatal Care | Covers follow-up visits and care for the mother and newborn, which can add another ₱5,000 to ₱15,000. |
| Baby Supplies | Includes initial expenses for diapers, clothes, and other essentials, totaling around ₱10,000 to ₱30,000 in the first few months. |
| Maternity Leave | Provides a daily cash allowance for up to 105 days for live childbirth or 60 days for miscarriage, allowing mothers to recover and care for their newborns without the stress of lost income. The maximum benefit can reach up to ₱70,000, depending on the member’s average monthly salary credit. |
How to Avail 70k SSS Maternity Benefit: Requirements and Process
Let’s go through the steps on how to avail of the 70k SSS maternity benefit in 2024.
What are the requirements to apply for SSS maternity benefits?
To apply for the SSS maternity benefit, the following requirements must be submitted:
What is the process to apply for SSS maternity benefits?
The process for applying for the SSS maternity benefit is as follows:
- Notify your employer or file the maternity notification as a voluntary or self-employed SSS member.
- Submit the maternity benefit application together with the required documents to the nearest SSS office.
How to compute SSS maternity benefits?
The SSS maternity benefit is computed based on the member’s Average Daily Salary Credit (ADSC) for normal delivery, premature birth, or miscarriage.
For those giving birth in 2024 and beyond, the maternity benefit is computed based on the member’s monthly salary credit.
How Much SSS Maternity Benefit Will You Get? Calculator + Payment Tables
Requirements to Avail 70k SSS Maternity Benefit in 2024
To be eligible for the 70k SSS maternity benefit, certain requirements must be met:
Must Notify 60 Days From the Date of Conception
Female SSS members who are pregnant must notify their employers at least sixty (60) days from the date of conception, or as soon as the pregnancy is confirmed to ensure that they can avail of the maternity benefit at the time of delivery.
Requirements for SSS Maternity Benefit Application
The requirements for the SSS maternity benefit application are the following:
- Maternity Notification
- SSS ID or two (2) valid IDs
- Certification from the employer or a copy of the Form 2316, if employed at the time of pregnancy
- Marriage Contract or any valid ID, if married
Is maternity notification needed for normal delivery or miscarriage?
Maternity notification is a crucial aspect of childbirth, and it is required regardless of the type of delivery, whether it is a normal birth or a miscarriage.
The notification ensures that appropriate medical care and support are provided to the mother and baby, and it facilitates the proper documentation of the birth.
Even if the birth ends in a miscarriage, the notification is still necessary to ensure that the healthcare provider can monitor any potential complications and offer the necessary treatment or support.
Therefore, it is important to promptly inform the relevant authorities and healthcare providers of any pregnancy or childbirth, as timely notification can help ensure a safe and healthy outcome for all involved.
Also Check: How To Apply For SSS Pension Loan In Philippines?
How to Apply for SSS Maternity Benefit Online?
SSS members can apply for maternity benefits online through the SSS website. Here’s how to do it:
How to apply for SSS maternity benefits online via the SSS website?
To apply for SSS maternity benefits online via the SSS website, you need to have an SSS account.
- Log in to your SSS Account
- Click E-Services
- Click Apply for Maternity Benefit
- Fill out the Maternity Benefit Application
- Attach the required documents.
You will receive a notification once your application is processed, and your benefit will be credited to your bank account.
Can employed and self-employed SSS members apply for maternity benefits online?
Yes, both employed and self-employed SSS members can apply for maternity benefits online.
For employed members, they would need to submit the necessary documents to their employer or HR officer who will then notify SSS about their pregnancy.
It is possible for individuals who have enrolled in My.SSS online to submit their SSS Maternity Notification through the SSS website.
As for self-employed members, they can submit their Maternity Notification form directly to SSS. The online option provides a more convenient and hassle-free way for members to apply for maternity benefits without having to personally visit an SSS branch.
How to Claim 70K SSS Maternity Benefits With Ease?
Here are the important reminders for claiming SSS maternity benefit:
How to receive SSS maternity benefits?
If you are a female member of the Social Security System (SSS) and you are about to give birth or have recently given birth, you may be entitled to receive maternity benefits.
To receive this benefit, you will need to file a claim for maternity benefits. You can do this in person by visiting the nearest SSS Branch and filling out an application form.
The necessary documents, such as your birth certificate and prenatal care records, will also need to be submitted with your application.
After you’ve submitted your application, a Social Security Officer will carefully review and assess it to determine whether your claim meets the necessary criteria for approval or denial.
It’s important to note that the amount of the benefit will depend on your average monthly salary credit and the delivery or miscarriage that you had in a year.
When is the payment of the SSS maternity benefit?
Once a member has notified the Social Security System (SSS) of their pregnancy, they can begin the process of claiming their maternity benefit.
You can apply for this benefit as early as 60 days prior to your expected delivery or within 7 days after the baby is born.
It is important to note that the payment of the SSS maternity benefit will only be processed once all requirements have been submitted, including the maternity notification and the birth certificate.
Once these documents are complete, members can expect to receive their benefits within a few months of submitting the claim.
Read: SSS Contribution Payments Easier Through Partner Channels
How Much SSS Maternity Benefit Will You Get? Calculator + Payment Tables
Can solo parents with a six-month-old child avail of SSS maternity benefits?
No, a solo parent is not eligible to receive SSS Maternity Benefit if her child is above six (6) months old at the time of registration.
Other Important Reminders for Reimbursement of SSS Maternity Benefit
Here are other important reminders that you need to know:
What is the salary credit requirement for SSS maternity benefits?
The salary credit requirement for SSS maternity benefit is based on the member’s monthly salary credit. The monthly contributions of the member are the basis for the benefit computation. The maximum SSS maternity benefit a female member can receive is Php 80,000.
What to do in case of emergency termination of pregnancy?
In case of emergency termination of pregnancy, the member must file the maternity notification and the maternity benefit application within ten (10) days from the date of termination.
What is the duration of the semester of contingency for SSS maternity benefit?
The Semester of Contingency is a crucial period used to determine the eligibility of a pregnant woman for SSS maternity benefits. This period is typically six consecutive months, or two consecutive quarters, also known as the semester.
During this time, the SSS assesses the woman’s contributions to the agency and calculates whether she meets the required number of premiums to qualify for the benefit.
The Semester of Contingency starts from the first month of pregnancy and lasts until the anticipated delivery month.
This means that the benefit may only be claimed after a woman has completed the Semester of Contingency and has given birth to a child.
Thus, it is essential to submit all necessary documents to the SSS on time to avoid any delays or issues with claiming the benefit.
You can also read: Expert Tips on Finding Your Lost or Forgotten SSS Number
How Much SSS Maternity Benefit Will You Get? Calculator + Payment Tables
Final Summary About SSS Maternity Benefits
To avail of the 70k SSS maternity benefits in 2024, pregnant women should ensure to have paid at least three monthly contributions within 12 months before their delivery date.
Women should also register their pregnancy by submitting a notification of pregnancy form, medical certificate, and proof of payment.
Upon giving birth, they must submit a maternity notification form indicating the date of delivery, a copy of the child’s birth certificate, and proof of payment.
Following these steps will ensure that pregnant women receive their rightful benefits from the SSS. It is crucial to be aware of the requirements and deadlines to avoid any delays in receiving the benefits.
While maternity reimbursement helps through delivery and leave, childcare costs continue after birth. Be sure to also research options like:
- SSS Salary Loans – Up to 36 monthly payments at low interest
- SSS Educational Assistance – For school fees of children under 21 years old
- PhilHealth Dependents – Health insurance for eligible dependents
Growing your family is an exciting adventure. Let the SSS maternity benefits program provide a little financial breathing room along the journey.
How this fill the form?
You must complete SSS MAT 1 and SSS MAT 2 forms to receive maternity benefits. I’ve attached the links so you can do it online easy and quick!
Hi Ms. Kate, I have a question.. Im paying voluntarily since April 2024. My due is on Feb 2025. However, I do not know the bracket of the monthly salary, so I just paid 1,200 I think monthly for 6 months or equivalent to 8,500 monthly salary. I checked, I will only get around 29k. May I know if by chance I pay higher this last quarter of 2024, the amount of my maternity benefits will also be higher? thank you.
The SSS maternity benefit is based on your Monthly Salary Credit (MSC), which is determined by the contributions you make. If you pay a higher amount, it will raise your MSC, resulting in a higher maternity benefit calculation.
Why my maternity is always declined
If your applications for maternity allowance are consistently rejected by SSS, there may be several reasons for this. The most common ones are: insufficient contributions, incomplete documentation and incorrect information, late submission, prior claims. Carefully read the notice provided by SSS explaining why your claim was denied. This will help you understand what specific issues need to be addressed.
Hi, I am self-employed and want voluntary contribution..I am currently 25 weeks pregnant..how much should be my sss monthly contribution to avail for the 70k maternity benefits? It is already a big help for me.. hope anyone can answer..thank you
To qualify for the maximum benefit, make sure you have had at least three months of contributions in the 12 months preceding the birth. To claim the maximum maternity benefit, make at least ₱4,200 in monthly contributions if you have opted for the maximum MSC of ₱30,000.
How about giving birth abroad? How to avail?
To avail of SSS maternity benefits while giving birth abroad, you must meet certain criteria and follow specific steps. First, ensure that you have paid at least three months of contributions within the 12-month period before the childbirth. You will need to notify the SSS about your pregnancy and the birth of your child. For documentation, provide the child’s Certificate of Live Birth issued by the local civil registrar or an equivalent document from the Philippine Embassy or Consulate if born abroad. You can file your maternity benefit claim online or at an SSS office, and it’s advisable to do so within 30 days after giving birth to ensure timely processing of your benefits.
Hi, I am currently an OFW. My last contribution was year 2014. Unfortunately, my succeeding contributions weren’t paid by the person I was entrusted with.
But yeah, I am now 13 weeks pregnant and am due in April 2025 would like to avail the maternity benefits. I am going to pay the remaining contribution for this year and will pay for the next year too.
Would these plans be suitable so I can avail the benefits?
You must have paid at least three (3) months of contributions within the 12-month period immediately before the semester of your childbirth. You can pay voluntary contributions to maintain your eligibility. As an OFW, you need to notify SSS directly about your pregnancy by submitting the Maternity Notification Form (Mat-1) and any required medical documents.
I resigned last September 2016. Then
I gave birth October 2016 for my 5th child. Can I include this child for Maternity benefits?
The prescriptive period for filing a maternity claim is 10 years from the date of delivery, which means you can still file for benefits for your fifth child as long as you meet the contribution requirements. Make sure to act promptly within the prescriptive period and gather all necessary documentation for a smooth claims process.
Hi i am the husband with Sss membership but my pregnant wife is not a member . Is it possible to avail the maternity benefits?
Unfortunately, you will not be able to get maternity benefit instead of your wife. Only a woman who has paid at least three monthly contributions in the 12 months immediately preceding the childbirth, miscarriage or emergency termination of pregnancy can receive the benefit.
If your wife is a PhilHealth member, she may qualify for maternity benefits under the Child Care Package (MCP), as long as she has paid at least nine months of premiums in the twelve months prior to delivery.
hi, want to confirm that the maximum maternity benefits are on a case basis right?, it will depend on the monthly salary of the mother, not just like 70k-80k is the maximum you can get from SSS.
like if your monthly salary is 50k x 105 days will be the benefits mother should receive?
Thanks
Unfortunately, you’re wrong. The highest allowable maternity benefit from the Social Security System (SSS) is ₱70,000, and it is applicable to members with a monthly salary credit (MSC) of ₱20,000 or more. For a solo mom, this amount goes up to ₱80,000.
In your table of sss benefits, can an sss member also avail of the others such as: childbirth expenses, postnatal care, supplies, etc.?
Unfortunately, postnatal care is not covered by the SSS individual benefit. But the maternity benefit can be used to cover the related costs.
So I have 9 years of employer / employee SSS contributions, all up to date to August 2024.
In September 2024, I resigned from my work as I am now pregnant (due April 2025) and wish to pay voluntary SSS contributions to ensure I receive the maximum p70k maternity allowance next year.
My confusion is how much to pay monthly?
I don’t have an income any longer, my fiance is a retired foreigner with no Philippine income, so what is the calculation?
The confusion continues, the SSS Contribution Table for Voluntary and Non Working Spouses refers to a Monthly Salary Credit, why would a voluntary person have a salary credit??
If you could provide a cash monthly amount, that would be super helpful.
As a voluntary member, you can choose an MSC ranging from ₱4,000 to ₱30,000. For maximum maternity benefits, we would advise you to choose an MSC of at least ₱20,000, which will result in monthly payments of ₱2,800.
Hello. Iba pa ba ito sa maternity leave salary? Makakareceive pa ba ako ng 70k SSS benefit?
Yes, the SSS maternity benefit is different from maternity leave salary. The maternity benefit is a cash allowance provided by the SSS to female members who are unable to work due to childbirth, miscarriage, or emergency termination of pregnancy. The amount you can receive depends on your Monthly Salary Credit (MSC) and is calculated based on your average daily salary credit for a compensable period of 105 days for normal deliveries.
I am 14 weeks pregnant now and paid my premium from july to dec 2024, my EDD is April 5, 2025. Will I still be eligible for the benefit if I give birth a month before it?
You must have contributed at least three (3) monthly installments during the 12-month period immediately preceding the semester of delivery . In your case, you have already met this condition and maternity benefits will be available to you regardless of the EDD date (March or April 2025).
Hello! Just gave birth last oct 9, paid my contribution from Jan-June 2024 before my delivery date. And now I already submitted birth cert and offical receipt but found remarks that benefit will be reduced because of the contributions paid within or after semester of contingency. I tried to pay online for July-Sept. Am I still be able to claim maximum benefit of Php 70,000?
The maximum maternity benefit is based on your Average Daily Salary Credit (ADSC). If you do not meet the contribution requirements, your benefit may be lower than ₱70,000. For accurate calculations and determining remarks from SSS, it is best to contact directly.
Hi!
Nanganak po ako October 1 2024. Last payment made ko is April 2024.
Start ko pagbayad is 2019 pa. Makuha ko padin ba si 70k? 4200 is the highest payment
For October 1, 2024 delivery:
1. Your semester of contingency is July-December 2024
2. Your qualifying period was July 2023 – June 2024
3. Only contributions paid before July 2024 are counted
4. Your MSC (Monthly Salary Credit) based on 4,200 contribution is too low for 70K benefit
Your benefit calculation:
– Previous contributions from 2019 don’t matter – only those within qualifying period (July 2023 – June 2024) are counted
– Only payments made up to April 2024 will be used in calculation
You will receive maternity benefit but it will be much lower than 70K due to your MSC level.
In your table, it shows that “prenatal care”, “childbirth expenses”, “baby supplies” are covered by SSS maternity benefit, how to avail to get this? thanks.
All of the above costs are INCLUDED in the maternity benefit, not paid separately. Follow the benefit process and try to get the maximum payment to cover all of these items.
Hi. Just separated my job last june 2024 and on august I found out I am pregnant with my first baby right now I am 5 months pregnant this month my EDD is on March 4,2025. Upon checking my sss contribution it was 30k and something. I was being told as well to pay my contribution from july to sept. I am planning to pay it for 3k per month but my confusion is how much possibly the amount that I will receive after giving birth?
The SSS maternity benefit is computed based on the member’s Average Daily Salary Credit (ADSC).
1. Identify the highest six monthly salary credits within the 12 months leading up to childbirth.
2. Add these six credits together.
3. Divide by 180 days to find your Average Daily Salary Credit (ADSC).
4. Multiply this number by 105 days for maternity benefits.
I just resigned in my work Last Oct 14 when I learned that I am pregnant with my first child.
Currently, 5 weeks pregnant and EDD might be in the Last week of May or Early weeks of June 2025.
What month should i paid for? Can you give the exact month that i need to pay?
My employer already paid the premium for July , August and September (Employee & Employer share almost 3,300 monthly)
For the requirements, Is medical certifcate will come from the OB,proof of payment as the receipt of check-ups? What else?
Also, why i am applying for the Mat Benefit, can i apply also for the unemployed benefits?
I just finish the 120 contributions for SSS which is equivalent to 10 years.
For your maternity benefit application, you will need medical certificate, proof of payment and maternity notification form. You need to make at least three monthly installments in the 12 months before your delivery date, you can do this in any months. However, applying for unemployment benefits is typically not possible while you are pregnant, as these benefits are meant for individuals who are actively seeking work and not on maternity leave.
My wife gave birth 5 years ago, and during that time, she was not a contributor yet. Yung tanong ko lang po, pwede ba syang maka avail ng maternity benefits ngayon? 7 months na syang member/contributor.
Thank you.
Your wife cannot receive maternity benefit because she was not a contributing member at the time. To be eligible for maternity benefits, an SSS member must have made at least three monthly contributions in the 12 months immediately preceding the birth.
Hello,
Having left full time employment where SSS is fully paid to August 2024, starting Oct 2024 I am already making monthly Voluntary SSS contributions.
My baby is due April 2025 and will of course continue making Voluntary payments.
Two questions :
1) No Sept 2024 contribution was made, is that a problem?
2) WHEN do I notify SSS online that I am pregnant and will be making a maternity cash claim next year?
Shall I do it now?
Thank you
No, missing the September 2024 contribution should not be a significant issue as long as you maintain your contributions for the months leading up to your delivery.
You should notify SSS about your pregnancy within 60 days of confirming it. Since your baby is due in April 2025, it’s advisable to submit your Maternity Notification Form (Mat-1) as soon as possible. You can do this online through your My.SSS account or by visiting an SSS branch.
Hi, my EDD is June 2025. I have paid 560.00 (MSC: 4,000) for 5 months this year 2024, January to August, and 4,200.00 (MSC: 30,000) for Sept and Oct. (1) Will I still be able to get the maximum benefit of 70k if I maximize again my contribution for Nov-Dec? (2) I am still on my 6 weeks, can I submit now my maternity notification? Thanks.
Yes, you can still qualify for the maximum maternity benefit if you maximize your contributions for November and December. The SSS calculates maternity benefits based on your highest Monthly Salary Credit (MSC) during the relevant contribution period. For your maternity notification to be valid, the SSS MAT 1 form must be submitted at least 60 days before your expected date of delivery.
Hello, if due is July 2025, what month or quarter must be paid to avail 70K maternity?
Hi, Ariane!
For delivery in July 2025 (Q3):
Your semester of contingency is Q2+Q3 (April-September 2025)
Your qualifying period is April 2024 – March 2025 (12 months before the semester)
You need at least 3 monthly contributions during April 2024 – March 2025, and all payments must be made before April 2025 (before your semester of contingency starts).
The amount of maternity benefit (up to 70K) will depend on your monthly salary credit, with the maximum benefit available for those earning ₱19,750 or higher per month.
Good day. My question is My EDD is on January 2025 and not yet paid for my qualifying period but planning to pay my SSS contribution next month November because I usually pay it once to cover my yearly contribution because im an OFW.
Can I still avail or Is it possible to claim my maternity benefit even if I pay it late over my qualifying period?
Yes, you can qualify for maternity benefits for January 2025 delivery IF:
Your last annual payment as an OFW was made before October 2024
AND it covers at least 3 months within October 2023 – September 2024 period
If either of these conditions is not met, then unfortunately a new payment in November 2024 would be considered late and won’t count for maternity benefits.
Please check your last payment date and coverage period to confirm your eligibility.
If you haven’t made any payments yet, paying in November 2024 will be too late for January 2025 delivery.
Hi Ms. Kate. I am going to give birth this November 2024. I start paying my contribution, March 2024 and wasn’t able to pay January and February. So I only have total of 4 months of contribution from March to June since July to October will be excluded. My MSC is 12,000, should it be multiplied by 4 for the computation? or 3 only? And Can I still pay for January and February to be able to get the maximum benefit?
For November 2024 delivery:
1. Your semester of contingency is July-December 2024 (Q3+Q4)
2. Your qualifying period was July 2023 – June 2024
3. You have 4 months of contributions (March-June 2024) with MSC 12,000
4. Unfortunately, you cannot add January-February payments now as we are already in your semester of contingency – any payments made after June 2024 won’t be counted
Your current benefit calculation with 4 months of contributions:
• Total of highest 6 MSCs: 12,000 × 4 = 48,000 (only 4 months available)
– Daily allowance: 48,000 ÷ 180 = 267 pesos
– Normal delivery benefit: 267 × 105 = 28,035 pesos
For comparison, if you had paid for January-February before July 2024:
• Total of highest 6 MSCs: 12,000 × 6 = 72,000
– Daily allowance: 72,000 ÷ 180 = 400 pesos
– Normal delivery benefit: 400 × 105 = 42,000 pesos
Since we are already in November 2024, it’s too late to make additional payments to increase your benefit amount. If you had paid for January and February before your semester of contingency (before July 2024), your benefit would have been 42,000 pesos instead of 28,035 pesos.
Hello, just wanted to ask if im still qualified to avail SSS benefit. I quit from my job last sept 12, and my last contribution was august. So that means i was not able to pay the month of sep and oct contributions. May EDD is feb 26. If im gonna continue paying my contribution as voluntary this nov until feb will i get my SSS assistance?
Hi, Jane!
For February 26, 2025 delivery:
Unfortunately, payments made from November 2024 onwards won’t be counted as they fall within your semester of contingency (after October 2024). However, if you have at least 3 monthly contributions within October 2023 – September 2024, you can still qualify for maternity benefit based on those contributions.