🕒 How Many Days Does It Take for SSS Maternity Benefits to Get Approved?

If you’re applying for the SSS maternity benefit, you’re probably wondering:
“How long does it take to get approved?”
“When will I actually receive the money?”
“Does it depend on whether I’m employed or voluntary?”

This guide will answer all of that — clearly and accurately.

If you’re preparing to claim your maternity benefit from the Social Security System (SSS), you might be wondering how long it takes for your application to be approved. This article provides a detailed explanation of the approval process, typical timelines, factors that could affect processing, and a link to our SSS Maternity Benefits Calculator for a quick estimate of your benefit.

How Many Days Does It Take for SSS Maternity Benefits to Get Approved Video

How Many Days Does It Take for SSS Maternity Benefits to Get Approved?

✅ SSS Maternity Benefit Approval Timeline

The time it takes for SSS to approve your maternity claim depends on how you file and the type of member you are.

🔵 1. Online Filing (My.SSS Portal)

Approval time: 5 to 7 working days
Why it’s faster: Digital filing reduces paperwork delays and manual handling.

🟡 2. Manual or Branch Filing

Approval time: 7 to 10 working days
Why it’s slower: Manual verification and branch workload can cause delays.

💸 When Will I Actually Receive the Money?

SSS maternity benefits are reimbursed after childbirth or miscarriage, not before.

Filing Method	Approval Time	Payout After Approval
Online (My.SSS)	5–7 working days	1–3 working days
Manual/Branch	7–10 working days	3–5 working days

📌 Total expected time: Around 1 to 3 weeks after giving birth, if all documents are complete and your DAEM (Disbursement Account Enrollment Module) is approved.

👩‍💼 Do Employed Members Get Paid Before Giving Birth?

✅ Yes — but only if your employer advances the benefit.

Under the Social Security Act of 2018 (RA 11199):

Employers are required to advance the full maternity benefit to their employees on or before the start of maternity leave.
SSS will then reimburse the employer after the leave.

⚠️ In Reality:

Not all employers follow this rule. Some may:

Delay the payout
Be unaware of the law
Refuse due to company policy or cash flow

If this happens, you will need to file your claim with SSS yourself after giving birth.

📊 Approval Timeline by Member Type

Member Type	Approval Time	Notes
Employed	5–7 working days	Benefit may be advanced by employer
Voluntary	7–10 working days	Must file personally after giving birth
Self-Employed	7–10 working days	Must ensure status and contributions are updated
Land-Based OFW	7–10 working days	File online or via SSS email; may vary by location
Kasambahay	7–10 working days	Employer may assist; member still files documents
Separated from Employment	7–10 working days	Still eligible if qualified

⚠️ What Can Delay Approval or Payout?

Incomplete or Incorrect Documents
Double-check your:
- Maternity Reimbursement Form
- Medical certificate or birth certificate
- Proof of contributions
Missing Maternity Notification
This must be filed before giving birth to be eligible.
No DAEM Enrollment
If your bank or e-wallet isn’t enrolled in SSS’s system, the benefit can’t be disbursed.
SSS System or Branch Load
Peak periods may cause slower processing. File early to avoid delays.

📝 Steps to Get Approved and Paid Faster

✅ File your Maternity Notification early (before birth)
✅ Enroll your bank account or e-wallet (DAEM)
✅ Submit complete, accurate documents after giving birth
✅ Use My.SSS portal for faster digital processing
✅ If employed, coordinate with HR regarding advance payout

🤔 FAQs

Q: Do I get the SSS maternity benefit before or after giving birth?

A: You’ll receive the benefit after giving birth. Employed members may receive it earlier if the employer advances the payment, as required by law.

Q: How long does it take to receive the money after giving birth?

A: If you file right after delivery and everything is complete, expect the payout within 1–3 weeks.

Q: Can I still get my SSS maternity benefit even if I didn’t file the MAT-1 before giving birth?

A: Yes, it’s still possible. While SSS requires advance maternity notification (MAT-1), they may allow late filing if you were eligible at the time, and can submit all required documents. You may need an affidavit or explanation letter. Maternity claims can be filed up to 10 years after childbirth. (Late Filing of SSS Maternity Benefits Guide)

Q: I’m a voluntary/self-employed/OFW member — do I get the benefit in advance?

A: No. Only employed members may receive advance payment from their employer. All others must wait and file for reimbursement after childbirth.

Q: What if my employer refuses to give the advance?

A: If your employer does not advance the benefit, you can file directly with SSS after delivery. You may also report non-compliance to SSS or DOLE.

✅ Final Tips

🔹 Always file your maternity notification early
🔹 Keep receipts and copies of all submitted documents
🔹 Make sure your contributions are updated
🔹 Use My.SSS for faster filing and tracking

Use Our SSS Maternity Benefits Calculator

For an easy way to estimate your maternity benefit amount, use our SSS Maternity Benefits Calculator. Enter your monthly salary credit and other details to calculate how much you can expect to receive.

Conclusion

SSS maternity benefit approvals typically take 5 to 7 working days for online applications and 7 to 10 working days for manual submissions. Ensure your documents are complete and your disbursement account is properly registered to avoid delays. For accurate planning, try our SSS Maternity Benefits Calculator today!