Mommy Hacks, Pregnancy

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
  • Savings account

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.

  4. Ella

    Hi can I still claim my maternity benefits to sss i work for almost 1year i resign on june 2017 then i give birth on march 2018 I did not file while I’m preggy now my baby is 3mos can still file on that?

  5. Jenie

    Hi i filed my sss maternity reimburstment (MAt2) 3weeks ago, as i checked my status thru text see below fow there response:
    Thank you.

    This has no MATERNITY claims filed.

    Please call your nearest SSS branch for more info. Nearest branch? Type SSS BRANCH to 2600.
    Ex. SSS BRANCH 1124

    P2.50/TXT. For more information, call 920-6401 (9-5pm, M-F).

    1. mommykrystal

      Hi jenie, i suggest you get in touch with the SSS branch where you submitted your requirements. Baka kasi may nangyari or something. 😁

  6. Grace

    Manganganak na po ako next month, pero d pa po ako nakapagpass ng requirements. Pwede pa pi ba ihabol yun? Since last year po ako nagstart maghulog ng contribution sa SSS, since na nagturo ako. Pls reply po. Salamat 🙂

    1. mommykrystal

      Hi Grace! Yes, habang buntis ka pa, pwede ka magfile sa SSS. Dalhin mo yung ultrasound result mo as proof na buntis ka. Also, valid ID. Hehe! Congratulations and God bless you and your baby! 😍

  7. Wyeth

    Nagfile na po ako ng SSS maternity reimbursement nung July 6, 2018 gaano katagal po kaya ang process para maapproved and pumasok sa account ko??

    1. mommykrystal

      Hi Wyeth, magffile pa lang din ako. Pero I’ll ask kung gaano katagal ang turnaround time nila and I’ll get back to you.

  8. Jazabel B.Labasan

    Hello po ask ko lng po if pwede pa po aq mag apply ng reimbursement,,, 5months po aqng buntis nung nagresign ako sa work ko,,,may nkpagsbi po kc saken n pwede pa as long as wala p 10yrs old ang anak,,,,totoo po ba yun

    1. mommykrystal

      Hi Jazabel, oo nasabi nga nung clerk na 10 years after delivery pwedeng mag-apply for reimbursement. Basta dapat complete ang requirements mo. 😁

  9. Camille

    Hi! Just want to verify kubg kailangan ba tlga original copy pa ng ultrasound including the image ang kailangan ipasa?yun kc hinhingi ng employer ko..thanks

  10. sha

    Hi Mam december po ang due date ko so from july 2017 to june 2018 ang coverage nung sa akin. Paano po kapag may month na hindi nakapag contribute? pwede ko po bang bayaran yun para ma avail ko ang maternity benefits? Contractual po kasi ako kaya may month na endo ako kaya wala pong contribution. Thanks po

    1. mommykrystal

      Hi Sha, ang minimum requirement lang naman is you pay at least 3 monthly premiums from july 2017 to june 2018. So, kung meron ka na ng minimum, pwede ka na magfile. 😁

  11. Liza pescadero

    Hi itatanung Ko lang po, kng makakuha ba ako ng maternity Ko kahit may loan ako last 2017.nag voluntary na po ako ng hulog start January 2018 hanggang ngayon po. sana masagot nyo po ang katanungan Ko Salamat

    1. mommykrystal

      Hi Liza, natanong ko rin to sa SSS before. According to them, iba ang maternity benefit sa loan. So, it doesn’t matter kung may loan ka. You can still file for maternity benefit.

  12. Cheryl

    Tanong ko lang po makaka avail pa rin ba sa Maternity kahit nasa labas ng bansa. Pero still active voluntary members ng SSS. Thank you

  13. shirley

    hello po ask ko lang po if qualify po ako for maternity reimbursement if may contribution po ako till april 2018, nagstop na po kc ako sa work due to my pregnancy condition, manganganak po ako ng oct 2018…hoping for ur reply tnx in advance

    1. mommykrystal

      Hi Shirley, yes qualified ka if you have at least 3 monthly payments from July 2017 to June 2018. 😁

  14. Ems

    Hi good day. Ask ko lang pwede pa kaya ako mag file nang reimburstment even if hindi ko na na notify ang sss na buntis ako? Kasi after few weeks na nalaman kong buntis ako I was advised to undergo surgery agad agad (due to ectopic pregnancy) . Thank you.

  15. Junea

    Hello po mag ask lng po ako kung how much po ang makukuha kung maternity benefit kung nagstart po aq magbayad ulit last january maximum payment po of 1760, pero po ndi aq nakapaghulog ng buong 2017.. due date ko po is Nov.2,2018 thank you po s sasagot


    Hi Ms. Krystal, gusto ko lng po maliwanagan.. Confuse po ako.. August 2018 po due ko.. Anung months po basehan q pra mclaim yung maternity benefits? Nkpg file n po aq ng mat1 at nprocessed na.. Eh hnd po aq nkpghulog from march-august 2018.. Maapektuhan po ba ang pgclaim q? Bali nung march lng po ako umalis sa work due to pregnancy complications. Hoping to get a response from you. Thank you!

    1. mommykrystal

      Hi Grace, ang period na basehan ng maternity benefit mo is from April 2017 to March 2018. As long as you had 3 monthly payments sa period na yan, qualified ka to claim maternity benefit. Based naman sa kwento mo, March 2018 ka lang hindi nakabayad, right? So, qualified ka pa rin..

    2. John Grace

      This helps a lot! Thanks Krystal😊

    3. mommykrystal

      I’m so happy I was able to help. Thank you as well. 😀

  17. Maricon pasia

    Ilang months po ba yung required kapag magfifile ka ng maternity??? 4 months na po kase yung akin and hindi pako nakakapagfile… pano po yun

    1. mommykrystal

      Hi Maricon, sabi sakin hanggang hindi ka pa nanganganak pwede ka pa magfile.

  18. Hello good morning ask ko lang po paano po mag file ng Mat. Notification 1 ang voluntary member? kelangan po ba bayaran muna ang SSS Cont.? kasi po nag stop na ako sa work Dec. 2016 and till Feb. 2017 lang ang voluntary payment ko then wala ng hulog untill now Aug. 2018 expected delivery ko po on March 2019 pa nman anong months po pwede ako magyad/magstart ng hulog?
    Waiting for your responce…
    Thank you po and God Bless 😊

    1. mommykrystal

      Hi Anne, since your due date is on March 2019, ang period of consideration mo to qualify for maternity benefit is from October 2017 to September 2018. Dapat meron ka at least 3 monthly payments sa period na yan. I suggest you contact SSS and ask if anong months na nakalipas na ang pwede mong bayaran – like June or July 2017.

  19. Steph

    Hi mommy krystal. Ask ko lang ko may maavail pa kaya ako sa maternity reimburse, tsaka nanganak nako nung last september 28, 2017 umalis nako sa work nong march 2017 …nanganak nako pero hindi pako nagfa-file ng Maternity notification.. possible kaya na may makukuha. Tsaka pano kaya yung process kung sakali qualify. Thank you.

    1. mommykrystal

      Hello Steph, the requirement is that you file a maternity notification before you give birth. So, in your case, maybe na-forfeit na yung maternity benefit mo. Pero I’m not in any way connected sa SSS kaya I suggest you contact SSS para maka-inquire ka about your case. 😀

  20. jackie

    hello po ms. Krystal! Ask ko lang po if pwede pa po ako makapagfile ng sss benefit. My due date is March po. Thank you po.

    1. mommykrystal

      Hi Jackie, you may file your maternity notification basta hindi ka pa nanganganak. Also, make sure that your monthly contributions are updated.

  21. Honey bebe

    Nada ibang bansa po ako now, i just know last month that im pregnant.
    Im planning to go home soon.
    Im an active member of sss, as a self employed contributor,
    Im working as a nanny so no company involved,
    Do you think is it possible na maka avail po ako ng any benifits?

    1. mommykrystal

      Hi Honey! If your monthly contributions are updated, you are definitely qualified for the maternity benefit.


    Hi, questions po,
    1. dapat po ba na yung misis ko mismo yung magbigay ng reimbursement form or pwede na ako nalang na mister niya? ano po dapat dalhin?

    2. NSD naman si misis, pero after giving birth, dinugo siya at nanlambot uterus kay na D&C siya. May karagdagang benefit po ba yun na kaakibat sa makukuhang SSS benefit.

    Thanks in advance.
    Curious daddy,

    1. mommykrystal

      Hi Daddy Salvador, per confirmation with an SSS officer,
      1. You may submit the requirements on behalf of your wife. Aside from the required documents I listed, you also need to bring the following:
      a. Authorization letter signed by wifey
      b. Original and photocopy of your wife’s valid ID
      c. Your valid ID
      2. Regarding her D&C, if it happened within the 60 days (normal delivery) or 75 days (CS delivery) maternity leave, there will be no additional benefit. Otherwise, if it happened after the maternity leave, she may claim sickness benefit. I hope this helps. Thanks for reading. 😀

  23. Elaiza agason

    Good morning po madam.. Ask ko lng kc ngstart ako mghulog ng sss nov. 2012… And then from 2008 hnggang 2011 ngkaroon ako ng 3 anak… And 1 miscarriage… So ng ngkaanak ulit ako ng 2013 un ang unang avail ko ng sss maternity benefit.. And then continues nmn ako ngwork at my contribution… Mkkpag avail pb ako ng sss maternity s pgbubuntis ko ulit n png 6 na? Kc s first 3 ko wla nmn ako n avail dhil d pko nghuhulog nun… Thank you mdam s reply

    1. mommykrystal

      Hello Elaiza. I asked an SSS officer about your situation. Sabi nya, the maternity benefit is for the first 4 pregnancies. Kaya counted na yung pregnancies (and miscarriage) mo even before you become a member. Pwede ka rin po tumawag sa SSS just to confirm. 😀

  24. bea

    hello po ask ko lang po december po ang kabuwanan ko kung maghuhulog po kaya ako ngayun august aabot pa kaya ako?

    1. mommykrystal

      Hi Bea. If December na ang kabuwanan mo, the period for consideration para maka-avail ka ng maternity benefit is July 2017 to June 2018. Dapat you have paid at least 3 monthly contributions sa period na yan. 😀

  25. cheng

    hi miss krystal possible po kayang maqualified ako sa maternity loan ko kahit ndi nahulugan ung period of month na dapat hulugan para maqualified ako due date ko kasi nitong dec 2018 ang plano ko po sana is bayaran nlng ung month para maqualified ako.. last contri ko is may 2017 at hindi nakp nakapaghulog ulit..

    1. mommykrystal

      Hi Cheng, ang period for consideration in your case is from July 2017 to June 2018. You should have paid at least 3 monthly contributions, momshie. Regarding sa payment mo para makahabol, I can’t really help you with that kasi hindi naman ako representative ng SSS. I suggest you go to SSS or call them to clear things out. I hope i-consider pa nila yung payment mo, momshie. Balitaan mo ko! 😀

  26. Rc

    Hi po mommy krystal,due date ko po is dec. nastop ko na kasi mahulugan sss ko last sept2016, ask ko lang po if pwede ko pa hulugan ngayon sss ko from april2018 to now para maging qualify po ako for maternity benefits. Thankyou and gobless!

    1. mommykrystal

      Hi RC, you should have paid at least 3 monthly contributions from July 2017 to June 2018. I’m just not sure if pwede ka pang makahabol, momshie. I suggest pumunta ka sa SSS or call them just to clear things out. I’m not in any way connected kasi with SSS. Pasensya na, momshie. Sana i-consider pa yung payment mo. Balitaan mo ko! 😀

  27. Hi po.. ask ko po sana
    kung may mkukuha po akong benefits?
    this year lng po ako nka pag contribute sa sss dahil ngyun palang po ako na employed.
    i gave birth po last aug. 28 .2018
    pero po ung contribution ko is from jan-july2018 .
    ano po gagawin ko?
    first time ko pa po mag file.

    1. mommykrystal

      Hi Helejane, you are qualified for SSS maternity benefit because nakapagbayad ka naman ng 3 months from April 2017 to March 2018. BUT, isang requirement ng SSS is that you notify them of your pregnancy BEFORE you give birth. So, I suggest you go to SSS or contact them via phone call just to check if pwede ka pang makahabol sa pagclaim ng maternity benefit mo. Sorry, I can’t help you any further, momshie.

  28. Eeli

    Hi! ask ko lng po if I’m qualified. This coming December yung due date ko kaso last year Sept-Dec. Wala akong contribution kasi na endo ako pwede ko po bang hulugan ngayon? Thanks.

    1. mommykrystal

      Hi Eeli, I asked SSS before kung pwedeng maghabol ng bayad sa mga missed months last year and they said hindi na raw pwede e. Anyway, if you paid at least 3 monthly contributions from July 2017 to June 2018, you are qualified for maternity benefit. Pwede ka nang magsubmit ng notification at any SSS branch. 😀

  29. Edherlene

    Hello po! nag start po akong nag hulog nung may 2018 until present,pwede po ba ako mag file ng maternity benefits ko this coming october?

    1. mommykrystal

      Hi Edherlene, when are you due?

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