Mommy Hacks

How To Apply For SSS Maternity Benefit | Voluntary Member

I didn’t go through the hassle of filing for my SSS maternity benefit during my first pregnancy because our HR Officer processed everything for me.

Now that I’m a full-time mom who opted for voluntary SSS membership and is 25 weeks pregnant, I’ll have to personally accomplish and submit all my requirements.

If you’re an unemployed, self-employed, or voluntary SSS member who is pregnant or is planning to get pregnant, take advantage of this quick guide on how to apply for your SSS maternity benefit.

What is an SSS Maternity Benefit?

This is not a loan. It is a daily allowance granted to a female member who is unable to work due to childbirth or miscarriage. It’s actually a benefit you can claim after paying all those monthly contributions. Yey!

However, you can avail of the maternity benefit only for the first four (4) deliveries or miscarriages starting May 24, 1997 when the Social Security Act of 1997 (RA 8282) took effect.

Check if you qualify for SSS maternity benefit

A female SSS member is qualified to avail of the maternity benefit if:

No. 1. She has paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.

I know, there were a lot of intimidating words and numbers in the previous sentence, so, let me clear things out for you. Let’s start by defining a few terms:

  • Quarter – 3-month periods ending in March, June, September, and December (ex. January to March is 1 quarter)
  • Quarter of contingency – the quarter when your due date falls (ex. May 2018 due date falls under April to June quarter)
  • Semester of Delivery – 2 consecutive quarters

Illustration 1: 

Due Date:  May 2018

The Quarter of Contingency is April-May-June 2018 because May 2018 belongs to this quarter. To get the Semester of Delivery, count another quarter backwards, that is, January-February-March 2018.

So, the Semester of Delivery is January to June 2018. This period will not be considered when checking your monthly contributions. Exclude this period and start counting the 12 months backwards starting from the month immediately before the semester of contingency.

Therefore, the 12-month period which will be reviewed to know if you have the required contribution is January to December 2017. As long as you have at least 3 monthly payments during this period, you qualify for the maternity benefit.

Illustration 2:

Due Date:  September 2018

Quarter of Contingency:  July-August-September 2018

Semester of Delivery:  April to September 2018

12-month period: April 2017 to March 2018 (at least 3 monthly contributions during this period is needed to qualify for maternity benefit)


No. 2. She has given the required notification of her pregnancy to SSS

As soon as an unemployed, self-employed or voluntary paying member becomes pregnant, she should notify the SSS directly at least 60 days from the date of conception. Failure to do so may result to your maternity benefit application to be denied. I asked if there was a deadline for filing the notification, the SSS officer said it should be no later than the date of delivery. So, as long as you’re still pregnant, you can still submit your requirements.

How do I notify SSS of my pregnancy?

You’ll need to report directly to SSS and submit the following requirements:

  • Maternity Notification Form
  • UMID or SSS biometrics ID card or two (2) other valid IDs, both with signature and at least one (1) with photo and date of birth
  • Proof of pregnancy (ultrasound report) – I submitted my ultrasound result when I was 7 weeks pregnant.

Note: The SSS officer will stamp and sign your Maternity Notification Form and give you a copy. Don’t lose it because you’ll need to submit it when you claim for reimbursement. Which reminds me, saan ko nga ba nilagay ‘yong akin? Oh no!

I’ve notified SSS of my pregnancy, what’s next?

When I was still employed, my employer gave my maternity benefit in advance (within 30 days from the date of application). Now that I’m a voluntary member, the maternity benefit will be granted by SSS after childbirth. It’s sort of a reimbursement of the expenses incurred during delivery.

So, after giving birth,  you’ll need to secure the following documents for the application for reimbursement:

  • Maternity Notification Form duly stamped and received by SSS
  • Maternity Reimbursement Form
  • UMID or SSS biometrics ID card or two (2) other valid IDs, both with signature and at least one (1) with photo and date of birth
  • Child’s birth certificate duly registered with local civil registrar
  • Additional requirements for CS delivery – certified true copy of operating room record/surgical memorandum

You may submit these documents at the nearest SSS branch. You will be notified if your maternity benefit is already available.

If you have questions, you may send an email to SSS at or through the Official Facebook page.

A safe and healthy pregnancy to us!




  1. La riza

    Hi do I really need to provide a savings acct for claiming my maternity benefits or this is just an optional.because it’s listed on my requirements.

    1. mommykrystal

      Hi Lariza! Yes, you need a savings account because your reimbursement will be deposited there. You may inquire with SSS regarding the list of SSS-accredited banks. If you have an existing account on an accredited bank, you may use that to claim your maternity benefit.


  2. MommyChii

    So it is okay paying atleast 3 mos. ? Can u tell me how much it will cost? My due date is december, can i pay to sss when my tummy hit 5 or 6 mos?

    1. mommykrystal

      Hi Mommy Chii, so sorry for the delayed response as I recently gave birth. If your due date is December 2018, then you should have paid at east 3 monthly contributions for the period starting July 2017 until June 2018 to be eligible for maternity benefit. Your payments for the semester (July to December 2018) will be excluded from the computation.

  3. Ayen

    Hi! Can i still claim my maternity benefit. My due date was april and i have early labor and my baby was born last march 29. And my payment aug. 2017 until present

    1. mommykrystal

      Hi Ayen, quick question… Were you able to notify SSS that you were pregnant? That is, before you gave birth.
      Also, were you able to pay at least 3 monthly contributions from October 2016 to September 2017?
      If your answer to both questions is yes, then you may already file for reimbursement at any SSS branch.

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