SSS Maternity Benefit Calculator 2025
The Social Security System (SSS) provides maternity benefits to qualified female members and male members whose spouse gives birth. Use our free online calculator to estimate your potential maternity benefit based on your average monthly salary credit.
How to Use the Calculator
SSS Maternity Benefit Calculator
Important Notes:
- You must have paid at least 3 monthly contributions within the 12-month period immediately before the semester of delivery
- For married women, the contribution requirement may be satisfied by either spouse
- Benefits are paid as a lump sum
- Normal delivery: 60 days benefit
- Caesarean section: 78 days benefit
SSS Maternity Benefit Requirements
To qualify for SSS maternity benefits, you must meet the following requirements:
For Female Members
- At least 3 monthly contributions within the 12-month period immediately before the semester of delivery
- Must be a covered member at the time of delivery
- Must notify SSS of pregnancy within prescribed period
For Male Members (Spouse Benefits)
- At least 3 monthly contributions within the 12-month period immediately before the semester of spouse’s delivery
- Must be legally married to the member who gave birth
- The female spouse doesn’t need to be an SSS member
Contribution Requirements
- Contributions can be satisfied by either spouse (for married couples)
- Contributions must be paid on time or within the grace period
- Self-employed members are also eligible if they meet the contribution requirements
How SSS Maternity Benefits Are Calculated
The SSS maternity benefit is calculated based on your Average Monthly Salary Credit (AMSC) during the 12-month period before the semester of delivery.
Daily Benefit Rate Formula
Daily Benefit Rate = Average Monthly Salary Credit ÷ 30
Total Benefit Calculation by Delivery Type
| Delivery Type | Benefit Period | Total Benefit Formula |
|---|---|---|
| Normal Delivery | 60 days | Daily Rate × 60 days |
| Caesarean Section | 78 days | Daily Rate × 78 days |
Important Notes on Calculation
- Lump Sum Payment: Maternity benefits are paid as a single lump sum
- Full Daily Rate: Unlike sickness benefits, maternity benefits are paid at 100% of daily salary credit
- No Waiting Period: All benefit days are compensated
SSS Maternity Benefit Payment Schedule
| Benefit Type | Payment Method | Processing Time |
|---|---|---|
| Regular Maternity Benefit | Lump sum payment | 7-10 business days |
| Solo Parent Additional Benefit | Separate payment | 10-15 business days |
Required Documents for SSS Maternity Benefit Claims
When filing your maternity benefit claim, prepare the following documents:
Primary Requirements
- Maternity Reimbursement Form (MAT-1)
- Birth Certificate of the child
- SSS ID or UMID Card
- Valid government-issued ID
Additional Requirements (if applicable)
- Marriage Certificate (for male member claims)
- Medical Certificate (for caesarean delivery)
- Solo Parent ID (for additional solo parent benefits)
- Employer’s Certification (for employed members)
How to File Your SSS Maternity Benefit Claim
Online Filing (My.SSS Portal)
- Log in to your My.SSS account
- Go to E-Services > Maternity Benefits
- Fill out the online application form
- Upload required documents
- Submit your application
Offline Filing
- Visit your nearest SSS branch
- Get the MAT-1 Form (Maternity Reimbursement)
- Complete the form with required information
- Submit with supporting documents
- Get your acknowledgment receipt
Solo Parent Additional Benefits
Solo parents are entitled to additional maternity benefits on top of the regular maternity benefit:
Additional Benefits for Solo Parents
- Extra 30 days of maternity benefit
- Total benefit period: 90 days (normal) or 108 days (caesarean)
- Must present Solo Parent ID when filing claim
SSS Maternity Benefit Processing Time
- Online applications: 7-10 business days
- Over-the-counter applications: 10-15 business days
- Payment release: 3-5 business days after approval
- Solo parent additional benefits: Additional 5-7 business days
Maternity Benefit Filing Deadlines
| Filing Period | Deadline |
|---|---|
| Regular Filing | Within 1 year from date of delivery |
| Late Filing | May be accepted with valid reason and additional requirements |
Frequently Asked Questions
Can I claim maternity benefits for multiple births?
Yes, you can claim maternity benefits for each pregnancy/delivery, provided you meet the contribution requirements.
What if I have twins or multiple babies?
The benefit amount remains the same regardless of the number of babies born in a single delivery.
Can I work while receiving maternity benefits?
Maternity benefits are designed to replace income during maternity leave. You should coordinate with your employer regarding work arrangements.
How long do I have to file my maternity benefit claim?
You have 1 year from the date of delivery to file your maternity benefit claim.
Can my husband claim if I’m not an SSS member?
Yes, if your husband is an SSS member and meets the contribution requirements, he can claim maternity benefits even if you’re not an SSS member.
Maternity Benefit vs. Maternity Leave
| Aspect | SSS Maternity Benefit | Company Maternity Leave |
|---|---|---|
| Source | SSS government benefit | Company/employer benefit |
| Duration | 60-78 days compensation | As per company policy |
| Payment | Based on SSS salary credit | Based on actual salary |
| Eligibility | SSS contribution requirements | Employment requirements |
Contact SSS for Maternity Benefits
- SSS Hotline: 8920-6446 to 55
- Toll-free: 1-800-10-2255777
- Website: sss.gov.ph
- Email: member_relations@sss.gov.ph
Disclaimer
This calculator provides estimates based on SSS regulations as of 2025. Actual benefit amounts may vary depending on your specific circumstances and SSS policy changes. For official calculations and claims processing, please consult with SSS directly.
Need help with other SSS benefits? Check out our other calculators and guides on PinoyBenefits.ph