Last verified: October 5, 2026
Independent guide. We are not affiliated with the Social Security System (SSS). Benefit rules below follow RA 11210 (105-Day Expanded Maternity Leave Law) as implemented by SSS — always confirm on the official SSS maternity benefit page before filing.
Quick answer: Under RA 11210, qualified female SSS members get 105 days of paid maternity leave for live childbirth (normal or cesarean), 120 days for solo parents, and 60 days for miscarriage or emergency termination of pregnancy. You need at least 3 monthly contributions in the 12 months before the semester of childbirth. Notify through your employer (if employed) or directly via My.SSS (if self-employed, voluntary, or OFW), then file the claim online.
How many days of leave?
| Situation | Leave duration | Notes |
|---|---|---|
| Live childbirth (normal or cesarean) | 105 days with full pay | Same for vaginal and CS delivery |
| Solo parent (under RA 8972) | 120 days | 105 + 15 additional days; requires Solo Parent ID or LGU certification |
| Miscarriage / ETP / stillbirth | 60 days with full pay | Includes emergency termination of pregnancy |
Up to 7 days of the 105 can be allocated to the child’s father or a qualified alternate caregiver. There is no limit on how many times you can claim — RA 11210 grants the benefit in every instance of pregnancy, miscarriage, or ETP regardless of frequency.
Are you qualified? The three conditions
1. Contribution requirement: at least 3 monthly contributions paid within the 12-month period immediately preceding the semester of childbirth, miscarriage, or ETP. Only contributions paid before that semester count.
2. Timely notification: employed members notify their employer of the pregnancy and probable delivery date; self-employed, voluntary, OFW, and non-working-spouse members notify SSS directly through My.SSS, the SSS mobile app, or a self-service terminal.
3. Membership: you must be a registered female SSS member — employed, self-employed, voluntary, OFW, or non-working spouse.
Important: you can claim even if you are unemployed at the time of childbirth, as long as your contributions were paid within the qualifying window. Resigning does not disqualify you.
The two phases: MAT-1 (notification) then MAT-2 (claim)
Phase 1 — Maternity notification (MAT-1)
File as soon as you learn you are pregnant, ideally in the first trimester.
- Employed: inform your employer, who encodes the notification through the SSS employer web account.
- Self-employed, voluntary, separated: file directly through the My.SSS member portal or the SSS mobile app.
What you need for MAT-1: proof of pregnancy (ultrasound report, medical certificate, or physician-verified pregnancy test) and a valid UMID card or two valid government-issued IDs with photo and signature.
Phase 2 — Maternity benefit application (MAT-2)
File after delivery or pregnancy loss. In 2026, MAT-2 claims are filed entirely online via the My.SSS portal.
Documents to prepare (clear scans or photos, each under 2MB):
- Live childbirth: certified true copy of the child’s Certificate of Live Birth registered with the Local Civil Registrar (LCR), with the Official Receipt — if filed within 6 months of delivery. If filed beyond 6 months, a PSA-issued Certificate of Live Birth is required.
- Miscarriage / ETP: medical certificate, consultation record, or discharge summary detailing the pregnancy loss.
- Solo parents: valid Solo Parent ID or LGU certification of eligibility.
- Valid ID: one primary ID (passport, UMID, or PhilSys ID) or two secondary IDs.
Before filing: enroll a disbursement account (bank or e-wallet) through the Bank Enrollment Module in My.SSS — benefits are released only to an enrolled account.
How the benefit amount is computed
Your cash benefit equals 100% of your Average Daily Salary Credit (ADSC) multiplied by the approved number of days:
1. Exclude the semester of contingency and count 12 months backward.
2. Take your six (6) highest Monthly Salary Credits in that window and add them.
3. Divide by 180 days — that is your ADSC.
4. Multiply the ADSC by 105 (live birth), 120 (solo parent), or 60 (miscarriage/ETP).
Worked example: your six highest MSCs total ₱90,000. ADSC = ₱90,000 ÷ 180 = ₱500/day. For a live birth: ₱500 × 105 days = ₱52,500.
Salary differential: if you are employed in the private sector, your employer must pay the difference between your full regular basic pay and the SSS cash benefit (with limited legal exemptions) — so you do not lose income during leave. For employed members, the employer generally advances the full SSS benefit within the period prescribed by law.
Buod sa Tagalog
Sa ilalim ng RA 11210, ang kwalipikadong miyembro ay makakatanggap ng 105 araw na bayad na maternity leave (120 araw para sa solo parent, 60 araw para sa miscarriage). Kailangan ng hindi bababa sa 3 buwang kontribusyon sa 12 buwan bago ang semester ng panganganak. Mag-notify sa employer (kung employed) o direkta sa SSS via My.SSS (kung self-employed, voluntary, o OFW), pagkatapos ay mag-file ng MAT-2 online kasama ang birth certificate at valid ID.
Troubleshooting
Claim rejected for “insufficient contributions.” Recount using the correct window: the 12 months immediately before the semester of contingency — contributions paid during that semester do not count. Verify your posted contributions in My.SSS.
Employer did not remit my contributions. Document your payslip deductions and report the employer to SSS. Their failure does not block your claim, but you must follow up — employers who fail to remit become liable to SSS.
Documents keep getting rejected. The usual causes: file size over 2MB, blurry photos, or a birth certificate filed late without the PSA copy. Re-scan at lower resolution and confirm you submitted the right certificate type for your filing timeline.
No disbursement account enrolled. Enroll a bank or e-wallet account through the Bank Enrollment Module in My.SSS and wait for verification before filing — claims cannot be released without it.
Late or missed MAT-1 notification. File it as soon as possible anyway. Late notification complicates but does not automatically void an otherwise qualified claim.
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Related guides: SSS Philippines: Complete 2026 Guide · How to Get an SSS Number Online · SSS Contribution Table 2026 · How to Check Your SSS Contribution Online · SSS Salary Loan 2026
Last verified: 2026-10-05. Official source: sss.gov.ph. Leave durations (105/120/60 days), the 3-contribution rule, MAT-1/MAT-2 process, computation formula (6 highest MSCs ÷ 180 × days), and document rules per 2026 SSS maternity benefit guides and RA 11210 — confirm on the official SSS maternity benefit page before filing.
Always confirm details on the official government portal:
Visit the official SSS portalFrequently asked questions
How many SSS contributions do I need for maternity benefits?
At least 3 monthly contributions within the 12-month period right before the semester containing your childbirth, miscarriage, or ETP. Only contributions paid before that semester count.
Do normal delivery and cesarean get the same benefit?
Yes — both get 105 days under RA 11210 (plus 15 extra for qualified solo parents). The old 60/78-day distinction no longer applies.
Can self-employed or voluntary members claim?
Yes. You notify SSS directly instead of an employer and receive the benefit straight from SSS once eligible, under the same contribution rule.
Is there a limit on how many times I can claim maternity benefits?
No. RA 11210 grants the benefit for every instance of pregnancy, miscarriage, or ETP, regardless of civil status, employment status, or frequency.
What is the difference between maternity leave (RA 11210) and the SSS maternity benefit?
RA 11210 gives you the right to the leave days with job protection. The SSS benefit is the cash allowance paid during that leave. Employed members get both the SSS cash portion and, in most cases, an employer salary differential.
I notified my employer late. Am I disqualified?
Late notification does not automatically disqualify you if your contributions and other requirements are met, but it can complicate processing. Notify as early as possible.
How do I file the SSS maternity notification (MAT-1)?
File as soon as you know you are pregnant, ideally in the first trimester. Employed members inform their employer, who encodes the notification through the SSS employer account. Self-employed, voluntary, separated, and OFW members file directly through the My.SSS portal or the SSS mobile app, with proof of pregnancy (ultrasound or medical certificate).
How much is the SSS maternity benefit?
It equals 100% of your Average Daily Salary Credit multiplied by your approved days (105 for live birth, 120 for solo parents, 60 for miscarriage). The ADSC comes from your six highest Monthly Salary Credits in the 12 months before the semester of childbirth, divided by 180. Example: six highest MSCs totaling ₱90,000 → ₱500/day ADSC → ₱52,500 for a live birth.
