Mommyhood, Pregnancy

SSS Maternity Benefit | Frequently Asked Questions

First off, I’d like to thank all my readers for giving plenty of love to my post about SSS Maternity Benefit and how to be a qualified member. I’m also sorry for taking too long to respond to your queries. Between breastfeeding and playtime, ang free time ko lang talaga is when both kids are asleep.

To assist other moms-to-be who are unemployed, self-employed, and voluntary SSS members, I’ve compiled all the frequently asked questions and I will answer them here to the best of my knowledge.

Also, I just want to remind all pregnant women that you’re making a human being. That alone makes you beautiful and amazing! So, chin up, belly out, and show the world what you can do.

sss maternity benefit mommy krystal

1. I’m confused about the quarter of contingency, semester, and 12-month period. Can you help me out?

I made things easy for you, preggy mommy! You can just look for your due date below and you will find the corresponding 12-month period. If you have paid at least 3 monthly contributions during this period, you are already qualified for maternity benefit.

Here’s for the mommies who are due in 2020. Kasi advance ako mag-isip!

2. What are the requirements for maternity notification?

You will be required to fill out the MAT1 form. You’ll also need to submit your ultrasound result or a doctor’s certificate declaring your pregnancy (plus photocopy). Lastly, they will ask for your SSS ID. If you don’t have an SSS ID yet, you may present any 2 valid IDs ( and photocopy of your IDs as well).

3. When should I file my maternity notification?

You may notify SSS of your pregnancy at least 60 days from date of conception. So, as soon as you hit the 8th week, you may already file your maternity notification.

Take note also of the deadline! You are only allowed to submit your maternity notification BEFORE you give birth. Kaya galaw-galaw na, momshie. You never know baka biglang mapaaga ang paglabas ni baby. Baka hindi ka na makapagfile. Sayang!

4. Can I file my maternity notification online?

Yes. But first, you need to register and log-in to My.SSS. Check out my post on How to Register to My.SSS so you have a guide on how to register online. Once you’re registered, go to E-Services and click Submit Maternity Notification. It’s that simple!

sss maternity benefit mommy krystal

5. I recently resigned. How do I change my membership type from employed to voluntary?

No need to fill out forms. You can just go to any SSS branch, present your ID, and inform them that you will have your membership type changed to voluntary member.

6. My doctor prescribed bed rest. Can I send someone else to file my maternity notification?

Yes. Aside from the initial requirements stated in question #2, you will also need to write an authorization letter stating the full name of the person who will file on your behalf. He/she is also required to present his/her ID upon filing. Note that you will need to give both original and photocopy of your ID.

Your other option is to file your maternity notification online. See question #4.

7. I’m employed, what’s my next step?

All you need to do is inform your HR that you’re pregnant. They will provide all the forms for you to fill out. They will also list down the requirements that you need to provide. When everything is in order, they will be the one to file your requirements with SSS. Hayahay diba? Just one of the many perks of being employed – aside from all the free food on your co-workers’ birthdays! Hahaha!

Sss maternity benefit mommy krystal

8. I’ve given birth! Yey! Now what?

Congratulations! You’re now a Mommy. A Mommy again, for non-first timers. Hahaha!

Now, you get to relax and enjoy bonding with your newborn. Most of you are worried that your maternity benefit might be forfeited if you don’t immediately file for maternity reimbursement. Kalma lang, momsh! The deadline for filing your requirements is before your baby’s 10th birthday. Yes, 10 years! So, chill ka lang…

9. Do I really need a savings account?

Yes, because your maternity reimbursement will be credited to your account. It should be a savings account in your name at an affiliate bank of SSS. If you don’t have a savings account yet, SSS will provide a letter of request which you will present to the bank when opening your account.

If you already have a savings account but you’re not sure if the bank is accredited by SSS, you may confirm with SSS via phone, Facebook, or by visiting one of their branches.

10. What if I lost the maternity notification form stamped by SSS?

No worries, momsh! According to them, your maternity notification will appear in their system. They can just pull it out when you’re already applying for reimbursement. No need to execute an affidavit. Yey! Have you tried looking for it inside the closet? Under the bed? Or maybe inside the freezer? I’m not judging – I know how pregnancy brain works! I feel you.

Pregnant mommy krystal

11. How long does it take for SSS to process my reimbursement?

When I filed for my maternity reimbursement, the staff told me that the amount will be credited to my savings account after 2 to 3 weeks. That’s their usual turnaround time. However, I didn’t know what caused the delay, but it took almost a month before I received my reimbursement. Still, a few days of delay is not so bad.

12. What are Certificate of Separation and Certificate of No Advance Payment? Am I required to submit these?

Certificate of Separation is a document from your last employer showing the effective date of separation from employment. Certificate of No Advance Payment is a statement from employer that they did not grant an advance payment of your maternity benefit. Both statements may be merged into one document executed by your previous employer.

In question #1, you will see when your 12-month qualifying period is. If you were employed at a certain time during that period, you are required to submit these documents.

That’s it, momshies! I hope this answers most of your questions about SSS Maternity Benefit. Nabawasan ba ang stress?

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

You may also contact me by hitting Like on my Facebook Page or following me on my Instagram Account.


  1. Avatar Zeni

    So helpful talaga tong blog mo momsh. Thank you so much!

    1. mommykrystal mommykrystal

      I’m so happy to have helped. Thank you as well, momsh!

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  2. Avatar Chang

    Hi po momsh, medyo nalilito po ako sa 9months contribution eh. Bale nagstart ako magbayad nung September 2018 and ang due date ko is April 2019. My question is counted ba yung from September 2018 to December 2018 na bayad ko sa 9months contribution . kasi from September to may 2019 is equivalent to 9 months na. Okay na ba yun or kelangan talaga January 2019 ako magstart magbayad . hanggang September 2019? Please help me po

    1. mommykrystal mommykrystal

      Hi Chang, are you pertaining to SSS maternity benefit or Philhealth? πŸ˜€

      Support this blog by clicking Like on my Facebook Page and by following my Instagram Account. You may also contact me through these social media accounts.

  3. Avatar Irene Luise canale

    Hi ma’am Krystal .6mons po ako pregnant. Due date is june2019. Last2019 contribution kopo is march2018. Pwd po b ako mag voluntary pra m available ko ung maternity loan. Thanks po sa sagut 😍

  4. Avatar Edna

    I’m so glad I saw this!!! Makakapag-avail pa ako ng maternity benefit. Di ko kasi alam na may contingenvy period pa e. Buti na lang!!! Thank you mommy krystal!!!

    1. mommykrystal mommykrystal

      You’re welcome. I’m so glad I was able to help you. πŸ˜€

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  5. Avatar Danilyn

    Hi gud aftie po..
    I’m 6 month’s pregnant pero hndi ko pa po naaasikaso ang SSS ko po ksi wla pa pong budget .. Pwede pa po ba ako mag.file ngayon ? Ilang buwan po ang babayaran kaya ko ?

  6. Avatar Rose Zapanta

    My daughter is now 4 years old and my employer is not enrolled in SSS the time I was pregnant. Can I still still pay backwards and avail of the maternity?

    1. mommykrystal mommykrystal

      Hi Mommy Rose. So sorry, it doesn’t work that way. They require you to pay at least 3 months during a certain period before you give birth. Paying retrospectively is not an option. Huhuhu!

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  7. Avatar Dyan

    Hello po! Same lang po ba ng benefits or reimbursement yung self employed and vm? Hndi ko po kasi alam mga momsh nag voluntary po ako 3rd pregnancy ko and first time ko po maghulog sa sss ko. Medyo nilakihan ko po monthly contribution ko sabi kasi saken ng officer mas malaki daw hulog ko mas ok. Thank you po.

    1. mommykrystal mommykrystal

      Hi Dyan. Wala namang difference sa benefit kung anong type of member ka. Nagkakaiba lang sa amount. Ang benefit na makukuha mo will depend on the amount you’re paying. Tama nga, momsh. Mas malaki ang hulog, mas malaki ang benefit. πŸ˜€

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  8. Avatar Keastace Turquoise

    I have an existing SSS Loan, would it affect my Maternity Benefits?

    1. mommykrystal mommykrystal

      Hi Keastace. Nope, SSS loan and maternity benefit are 2 separate benefits provided by SSS. πŸ˜€

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  9. Avatar Pearl

    Hi Ms. Krystal. Thank you for this post , it was so helpful. May iclarify lang po sana ako regarding sa maternity notification. Im 9th week pregnant na po however, nung sinusubukan ko po magsend ng notification online since I am an OFW and under E services, pag cliniclick ko po yung Submit Maternity Notification wala pong lumalabas. Blank lang po siya,. Kindly advise. Appreciate your answer. Thanks and Godbless !

  10. Avatar Mary Emmangel Santos

    hello po tanong lng po. ako po hnd pa fully registered sa sss, meron po ko number lng pero wla pkong contribution pero sabi po ng kakilala namin is pede kong gamitin yung sss benefits ng asawa ko po, lalo na if kasal kmi kso wala pko sa beneficiary nia. ano pong dapat gawin at magkno po kaya makukuha namin dun?

  11. Avatar Christine Mae Tayhopon

    Hi po momsh confuse po Kasi ako kung pwede pako makapasok sa maternity benefit ko due date ko po Kasi ng January 2020 .

    1. mommykrystal mommykrystal

      Hi Christine. Your due date is January 2020 so ang requirement is dapat may at least 3 months payment ka from October 2018 to September 2019. So, pwede ka pang makahabol. Pay your contributions for July to September 2019 and you’ll be qualified to avail of maternity benefit. πŸ˜€

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  12. Avatar Tin

    Is it possible to reimburse before giving birth? or It should all be done after giving birth?

    1. mommykrystal mommykrystal

      Hi Tin. If you’re employed, your employer should give your maternity benefit in advance (before giving birth). If you’re a voluntary member, you only get the reimbursement after giving birth. πŸ˜€

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  13. Avatar Tin

    I see, Thank you for responding my question. It helps a lot!

  14. Avatar precious

    mam kristal
    ask ko lang po kung kakastart ku palang nag hulog this january2019 up to date po ang hulog ko..and due date ko is january 2020..qualify ba ako sa maternity benefit?

    1. mommykrystal mommykrystal

      Hi Precious. Yes, you are already qualified for maternity benefit. You may already file your Mat1. πŸ˜€

  15. Avatar Mavie

    Hello, i have my delivery last March 2019, hindi ako ng notify sa SSS. pwd pa din ba ako maka avail ng Maternity Benefits?. Thank you in advance.

  16. Avatar Raisha Mae

    Hi po! I had an ectopic pregnancy and I just got out from the hospital last week July 23. My last date of employment was June 8 this yr. How can I claim my benefit po? Or am I still eligible?

  17. hi im pregnant now and expected date will be october 2019 but my last contribution was january 2019 can i get maternity?

  18. Avatar Princess

    Employed po ako momsh. Nalilito lang ako if pano ko ba malalaman if approved ba yung maternity ko. Kasi ang nakalagay sa sss online ko is ACCEPT. Ibig sabihin ba nun na approved or hindi pa approved? Di kasi nagrereply Employer ko. nakakainis na. Ilang beses na ako nag follow up sa kanila. Sana masagot mo po.

    And lastly due date ko po is october. Pano po pa ba calculation nyan sa maternity benefits na matatanggap ko. Magka iba po kasi contributions ko JULY 2018- JUNE 2019?

  19. Avatar Analiza n.llanes

    Hello po…… November 2019 Ang due date q.anung month po dpat Ang pwede kng bayaran pra Maka avail ng maternity…

  20. Avatar Love

    Hi, ang due ko po ay November 2019 pero nakapaghulog ako ng Jan. 2019-March 2019, so 3months po tapos di na uli nahulugan. Paano po yun? Pwede ko po bang bayaran ung mula April to August ko para dirediretso pa rin ung hulog ko? 3months lng po ung naihulog ko, so ibig sabihin kaunti lng din po ang makukuha ko? Thank you po

  21. Avatar irene dia

    hi please help me.. My due date will be on Oct8 2019. sabi sa sss until july yung deadline sa pg hulog ng contribution.. so d ko n po ba maavail ang sss maternity benefits?

  22. Avatar mary Clair

    Hi, I gave birth 5 years ago, and i have not file my SSS notification yet. I was employed and transferred to another company. Can i claim a Maternity reimbursement? how po?

  23. Avatar Jane

    Ask ko Lang PO,kc PO nkapag file ako ng maternity ko month of May I think nkahulog ako mga 2months Lang,tas ngstop n PO ako sa work d ko na nhulugan sss ko until now,f magvovoluntary PO ba ako at hulugan ko Yung lapse ko maaavail ko pa PO ba Yung maternity ko? Pls help Kung Anu PO Yung dapat Kung gawin…

  24. Hindi po ako nakakuha ng half ng maternity benefit ko from my employer.
    And nagfile po ako ng reimbursement last july 19, 2019 sa employer ko.
    Sabi po saken is 1month processing po sya.
    So kelan ko po kaya sya mrereceive dapat?

  25. Nagfile po ako ng maternity reimbursement sa employer ko last July 19, 2019.

    Sabi po saken is 1month daw po ang processing.
    So kelan ko po kaya mkukuha yung reimbursement?

  26. Avatar Joy Cerineo

    I already received my Advance maternity benefit. Do I still need to file for MAT 2? Thank you 😊

    1. mommykrystal mommykrystal

      Hi Joy, you will need to file your Mat2 after you give birth. πŸ˜€

  27. Avatar Ma. Celeste Torres

    Hi….I already paid my July-Sept 2019 and my due is on November qualified po ba ako for the maternity benefit???

  28. Avatar Tina Ilagan Siddayao

    Mam ask Ko Lang po kung Ndi na po ba talaga ako qualify mag avail ng maternity benefits Ko now Lang po ako ulet nag hulog July -sept 2019 tas manganganak na po ako ngayon oct
    Bale last year po buong 2018 wala po ako hulog
    Quality pa po ba ako ?

  29. Avatar Odessa braΓ±a

    Hi momsh,tanong ko po sana kasi im employed and now on maternity leave ako. Nakalagay sa sss ko kahapon na settled na yung maternity benefits ko kailan kaya ihuhulig ng company ko sa account ko momsh? Thank u po.

  30. Avatar Nhezzy Carmen

    Hi momshie krystal..
    Thanks for ur helpful to us..
    May i just ask if u know how to compute the maternity benefit? Can u share with us so we have an idea how much we expect to recieve..hehehe..hoping to hear u very soon.

    1. mommykrystal mommykrystal

      Hi Momsh, here’s my post/tutorial on how to compute for your SSS Maternity Benefit. πŸ˜€

  31. Avatar Noemi Mauro

    mommy krystal,nanganak po ako ng april 08 2019,nung august 29 ko lang po na submit ung mat 2 ko,sabi saken for investigation pa po kc sa lying in ako nanganak ganu po kaya ktgal bago dumating yung sa matternity ko,ung iba po kc 2 wiks merun na.. T.I.A

  32. Avatar Rhona

    Hi maam my daughter is 5 yrs old now pwd pa rin po ba ako maqfile nq maternity pay .

  33. Avatar Gladys EspaΓ±ola

    Hi po, nagbayad po ako ngayong october ng contribution ko for the month of july-september . Ang due date ko po ay Feb.2020. Qualified pa rin po kaya ako? Posted na po ang bayad ko for those months pero nitong october ko lang po binayaran. Thanks po in advance sa response😊

    1. mommykrystal mommykrystal

      Hi Gladys. Yes, you are already qualified for maternity benefit. You may already submit your maternity notification (Mat1). Congratulations! πŸ˜€

  34. Avatar Irene

    Hi mam
    Ask ko lang po kasi
    Due date ko is sept.2019
    Nakapaghulog ako from jan-june 2019
    ,july -oct.
    Hindi ako nakapaghulog.nakapagapply ako ng mat1..
    Qualified pa ring ba ako to claim my maternal benifits?
    Thank u.

    1. mommykrystal mommykrystal

      Hi Irene. Yes, you are qualified for maternity benefit coz you paid Jan to Mar 2019. Also, nakapagfile ka rin ng Mat1, kaya no problem na. πŸ˜€

  35. Avatar Joan

    hi mommy Krystal!
    Thank you for making this blog. Napakahelpful for us first time moms like me na housewife. I am due on May 2020 and I started contributing since July as voluntary and I plan to contribute until December 2019. Will I still be qualified even if I decide to stop contributing on January to May 2020?

    1. mommykrystal mommykrystal

      Hi Mommy Joan, thank you for the love.. Haha! Anyway, if your due date is on May 2020, you only need to contribute 3 months from January to December 2019. So, yea, you are already qualified for SSS Maternity Benefit. To help you compute for your total benefit, here’s my latest post:

  36. Avatar Shie

    Hello po nka file nah ako ng mat1 Ang mat2 nkapasa ko na po sa employer ko kAsi employed pah ako pero still single parin po status hnDi ko nchange makukuha ko parin ba maternity .

    1. mommykrystal mommykrystal

      Hi Shie. Kindly coordinate with your HR. I think you just need to submit your PSA marriage certificate, pero I’m not sure if may ibang requirements pa e. I’m sure your HR will know your next step. πŸ˜€

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