Good news for expecting moms! In 2025 the SSS maternity benefit – maximum of ₱70 000 – is available to qualified members. This article guides you step by step on how to avail 70k SSS maternity benefits online check with an SSS maternity benefit calculator understand how much is SSS maternity benefit for voluntary members and what to do if you’re unemployed. Read on for a clear and helpful guide.
What Is the SSS Maternity Benefit?
The SSS maternity benefit is a cash allowance given to female members who cannot work due to childbirth miscarriage or emergency pregnancy termination. It covers:
- 105 days for live births
- 120 days for solo parents
- 60 days for miscarriage or emergency termination
The daily amount is based on your Average Daily Salary Credit (ADSC) multiplied by the number of qualifying days. If you are eligible and have the maximum salary credit you may receive up to ₱70 000.
Eligibility: Who Qualifies?
To successfully avail of this benefit you must meet two key requirements:
- At least 3 months of contributions within the 12 months before the semester of the event
- Notify your employer or SSS of your pregnancy and expected delivery date
- Employed members inform employers who report via MySSS
- Voluntary self-employed OFW or non-working spouses notify SSS directly via MySSS or app
Eligibility is inclusive. It applies regardless of civil status frequency of pregnancy or child’s legitimacy.
How to Apply:
For Employed Members:
- Inform your employer about your pregnancy as early as possible
- They submit the Maternity Notification Form MAT-1 to SSS and later after delivery they file MAT-2 for benefit claims
- Your employer advances your pay during leave then SSS reimburses them
For Voluntary SE OFW or NWS Members:
- Log in to MySSS go to EServices and submit MAT-1 with proof like ultrasound or pregnancy test results
- After childbirth or miscarriage file MAT-2 online with birth certificate or medical documents
- Benefits are credited directly to your enrolled bank account
Read More: SSS Pension September Schedule 2025 Complete Guide for Pensioners
How to Compute Benefits – SSS Maternity Benefit Calculator
To estimate your payout:
- Identify the 6 highest Monthly Salary Credits MSC over the 12 month period before the semester of contingency
- Sum them up and divide by 180 to get ADSC
- Multiply ADSC by 105 days or 120 days if solo parent 60 days for miscarriage
Example:
- MSCs ₱20 000 average → sum for 6 months = ₱120 000
- ADSC = ₱120 000 ÷ 180 = ₱666.67
- Benefit = ₱666.67 × 105 = ₱70 000 approximately
That hits the ₱70 000 maximum
What If You Are Unemployed or Voluntary Member?
Even if unemployed or voluntary you can still avail SSS maternity benefits as long as:
- You have 3 contributions in the last 12 months before your semester of childbirth miscarriage or termination
- You submit notification early using MySSS or app
Public feedback suggests voluntary contributions can still qualify. One user shared:
“If you pay the maximum contribution ₱3000 and your MSC is ₱20 000 you could get up to ₱58 000.”
That means strong contributions can approach the ₱70 000 ceiling.
Requirements Checklist
To summarize the SSS maternity requirements:
- Active SSS membership and at least 3 valid contributions in the 12 months before contingency semester
- MAT-1 notice before event via employer or directly if not employed
- Proof of pregnancy ultrasound or medical certificate
- After delivery MAT-2 with birth certificate or medical documents
- Enrolled bank for disbursement
- Optional Solo Parent ID for extended leave
Final Words
Getting the ₱70 000 SSS maternity benefit in 2025 is possible when you plan ahead pay your contributions and file the correct forms. Use the SSS maternity benefit calculator to see your ADSC and how much you can expect. Whether you are employed voluntary or unemployed your rights are respected and support is available especially if your contributions are strong.
Use MySSS to apply online check your SSS maternity requirements and compute your benefits. With clear steps and timely action you can ensure that this support arrives when you need it the most.
Also Check: How Many Contributions Needed for SSS Pension 2025
