SSS Maternity Benefit: 105 Days and What It Pays
Social Security System · benefits
Quick answer
The SSS maternity benefit pays 100% of your average daily salary credit for 105 days for live childbirth, 120 days for a solo parent, or 60 days for miscarriage or emergency termination of pregnancy. You need 3 months of contributions in the 12 months before the semester of contingency.
Last verified
Where these figures come from
About these figures: the numbers below come from SSS's official published sources: Social Security System | Maternity Benefit (https://www.sss.gov.ph/maternity-benefit/, retrieved 2026-08-31); Social Security System | SSS Contribution Table (https://www.sss.gov.ph/sss-contribution-table/, retrieved 2026-08-31). Agencies change fees and rates without notice, so confirm with SSS before you rely on them. Last verified: 2026-08-31.
The SSS maternity benefit is a daily cash allowance at 100% of your average daily salary credit, paid for 105 days for a live birth. It is granted in every instance of childbirth, miscarriage or emergency termination of pregnancy, regardless of civil status, employment status, legitimacy of the child, or how many times you have been pregnant.
How many days you get
| Contingency | Compensable period |
|---|---|
| Live childbirth, normal or caesarean section | 105 days |
| Live childbirth, solo parent under RA 8972, the Solo Parents’ Welfare Act | 120 days, being 105 days plus 15 |
| Miscarriage or emergency termination of pregnancy, including stillbirth | 60 days |
Who qualifies
Three conditions, all published by SSS.
| # | Condition |
|---|---|
| 1 | At least 3 months of contributions in the 12-month period immediately preceding the semester of childbirth, miscarriage or ETP. Only contributions paid before the semester of contingency count |
| 2 | If employed, you have notified your employer of the pregnancy and the probable date of childbirth, and the notice has been transmitted to SSS |
| 3 | If self-employed, voluntary, a non-working spouse or an OFW, you have notified SSS directly |
How the amount is computed
SSS publishes the method as a sequence, and it is worth following once because every peso figure on this page comes out of it.
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Exclude the semester of contingency. A semester is 2 consecutive quarters ending in the quarter of the contingency. A quarter is 3 consecutive months ending in March, June, September or December.
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Count 12 months backwards from the month immediately before that semester.
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Take the 6 highest monthly salary credits in that 12-month window and add them to get the total MSC.
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Divide by 180 to get the average daily salary credit.
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Multiply by the compensable period.
ADSC = Total MSC / 180
Contributions paid within or after the semester of contingency are not counted. And under Circular No. 2020-032 dated 24 November 2020, from January 2021 the SS contribution includes the Workers’ Investment and Savings Program, with benefits under the Regular SSS Program computed on contributions up to a ₱20,000 MSC.
What it pays, by salary credit
These figures assume the same monthly salary credit across all 6 highest months, which is the simplest case. They are this site’s arithmetic on the published formula, not an SSS quotation.
| Monthly salary credit | Total of the 6 highest | Average daily salary credit | 60 days | 105 days | 120 days, solo parent |
|---|---|---|---|---|---|
| ₱5,000 | ₱30,000 | ₱166.67 | ₱10,000 | ₱17,500 | ₱20,000 |
| ₱10,000 | ₱60,000 | ₱333.33 | ₱20,000 | ₱35,000 | ₱40,000 |
| ₱15,000 | ₱90,000 | ₱500.00 | ₱30,000 | ₱52,500 | ₱60,000 |
| ₱20,000 | ₱120,000 | ₱666.67 | ₱40,000 | ₱70,000 | ₱80,000 |
The table stops at ₱20,000 because that is where SSS caps the benefit computation. A member on the ₱35,000 MSC ceiling pays ₱1,750.00 a month in contributions but their maternity benefit is still computed on ₱20,000. The SSS contribution table has the full schedule and explains the split.
Full pay, and who is exempt from topping it up
An employed member receives full pay: the SSS maternity benefit computed on her ADSC, plus a salary differential paid by the employer, which is the gap between the SSS cash benefit and her regular wage for the whole leave.
Four categories of employer are exempt from the differential.
| Exempt employer | SSS’s wording |
|---|---|
| Distressed establishments | As determined by DOLE |
| Small retail or service establishments | Not more than 10 workers |
| Micro-business enterprises | Total assets of not more than ₱3M |
| Employers already matching the benefit | Those with similar or more than the proposed benefits |
An application for exemption is submitted to DOLE every 1st quarter of the year. Self-employed members including those in the informal economy, non-working spouses, voluntary members and OFWs receive the SSS maternity benefit only, with no differential.
Allocating up to 7 days
A female member may allocate up to 7 days of maternity leave credits to the child’s father, married or not, or to a qualified alternate caregiver, meaning a relative within the 4th degree of consanguinity or the member’s current partner sharing the same household. Her own credits are reduced accordingly.
| Monthly salary credit | Full 105 days | Days left after allocating 7 | What those 7 days are worth |
|---|---|---|---|
| ₱10,000 | ₱35,000 | ₱32,667 for 98 days | ₱2,333 |
| ₱15,000 | ₱52,500 | ₱49,000 for 98 days | ₱3,500 |
| ₱20,000 | ₱70,000 | ₱65,333 for 98 days | ₱4,667 |
The allocated days may be taken continuously or intermittently within the member’s maternity leave period, and the recipient shows their employer a written notice from the member stating the number of allocated days. The option does not apply to miscarriage or ETP.
If the member dies or becomes permanently incapacitated, the balance of unsettled maternity leave benefits accrues to the father or qualified alternate caregiver, subject to proof and SSS rules. If the benefits were already paid in full, the father or caregiver may take the remaining unexpired leave without pay, and SSS states that this is not treated as a gap in service in either the public or private sector.
Limits worth knowing
- Receiving maternity benefits bars recovery of the sickness benefit under RA 11199 for the same period. The sickness benefit runs at 90% of ADSC rather than 100%.
- Where two maternity claims overlap, both are granted consecutively, but the amount for the overlapping period is deducted from the current claim.
- One benefit per delivery, regardless of the number of offspring: twins, triplets and quadruplets all pay once.
Notification and payment
| Who | What they do |
|---|---|
| Employed member | On confirming pregnancy, inform the employer and submit a Maternity Notification Form with proof of pregnancy: a pregnancy test result signed by a physician or municipal health officer, or an ultrasound, blood pregnancy test, Beta HCG or early pregnancy factor result |
| Employer | Notify SSS through the employer’s My.SSS account. The employer does not transmit the member’s proof of pregnancy to SSS |
| Self-employed, voluntary, non-working spouse, OFW | Notify SSS directly through the member’s My.SSS account, the SSS Mobile App, or a Self-Service Express Terminal |
On payment, the employer advances the full maternity benefit within 30 days from the filing of the maternity leave application, and SSS then reimburses the employer 100% of the amount advanced on receipt of satisfactory proof. SSS pays the member directly where the contingency occurred during employment but she is now unemployed, temporarily laid off, in a company on lock-out or strike, or separated, and for self-employed, voluntary, OFW and non-working spouse members.
Claims may be filed within 10 years of the delivery, miscarriage or ETP. The current guidelines apply to contingencies on or after 11 March 2019; for earlier ones the pertinent provisions of RA 8282 or RA 11199 apply.
What this page does not cover
SSS does not publish, on the maternity benefit page, the processing time from filing to payment, the disbursement account requirements, the DOLE exemption criteria in detail, or the rules for special cases such as an unclaimed benefit of a deceased member. None of those are stated here.
Related
The SSS sickness benefit guide covers the 90% allowance that maternity benefits bar for the same period. The SSS contribution table explains the salary credit these figures run on, and how to pay your SSS contribution covers keeping the 3-month requirement satisfied.
Frequently asked questions
- How many days of SSS maternity leave do I get?
- 105 days for any instance of live childbirth, normal or caesarean. 120 days if you are a solo parent under RA 8972, which is the 105 days plus an extra 15. 60 days for miscarriage or emergency termination of pregnancy, including stillbirth.
- How much does it pay?
- 100% of your average daily salary credit for the whole compensable period. On a ₱20,000 monthly salary credit that works out to ₱666.67 a day and ₱70,000 for 105 days.
- How many contributions do I need?
- At least 3 months of contributions in the 12-month period immediately preceding the semester of childbirth, miscarriage or ETP. SSS counts only contributions paid before the semester of contingency.
- How is the average daily salary credit worked out?
- Exclude the semester of contingency, count 12 months backwards from the month before it, take the 6 highest monthly salary credits in that window, add them, and divide by 180. Benefits are computed on MSC up to ₱20,000.
- Do I get full pay if I am employed?
- Yes, in most cases. Employed members receive the SSS benefit plus a salary differential from the employer, so the total equals their regular wage. Exemptions are distressed establishments, retail or service establishments with not more than 10 workers, micro-business enterprises with total assets of not more than ₱3M, and employers already giving similar or better benefits.
- Can I give some of the leave to the father?
- Yes, up to 7 days to the child's father, married or not, or to a qualified alternate caregiver. Your own leave credits are reduced by the number of days allocated. This option does not apply to miscarriage or ETP.
- What if I have twins?
- SSS states the female member is paid only one maternity benefit regardless of the number of offspring per childbirth or delivery.
- How long do I have to file?
- Within 10 years from the date of delivery, miscarriage or ETP. The current guidelines apply to contingencies occurring on or after 11 March 2019.
More SSS guides
Sources
- Social Security System | Maternity Benefit, retrieved
- Social Security System | SSS Contribution Table, retrieved