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SSS Maternity Benefits Voluntary Members

Can You Avail Maternity Benefit After Changing from Employed to Voluntary 2026?

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Can You Avail Maternity Benefit After Changing from Employed to Voluntary 2026?

Many working Filipinas ask, “If I resigned and changed my SSS status to voluntary in 2026, can I still get maternity benefits?”

The good news is yes, you can — as long as you meet the SSS qualifying period requirement and continue paying your contributions. This article will walk you through how maternity benefits work after changing from employed to voluntary, the requirements you need to meet, and practical examples that will help you understand how to stay eligible in 2026.

🌸 Why SSS Maternity Benefits Matter to New Mothers

The SSS Maternity Benefit gives financial assistance to covered female members who cannot work due to childbirth, miscarriage, or emergency termination of pregnancy. For many Filipino mothers, this benefit acts as income support during recovery.

Kung member ka ng SSS, good news — pwede ka ring mag-apply basta qualified ka sa requirements, kahit voluntary ka na.

The key is to maintain your contributions even after you resign. Let’s understand how.

👩‍💼 What Happens to Your SSS Record After Resignation

When you resign from your job:

  • Your employer stops paying contributions on your behalf.
  • Your SSS record remains active, but no new payments will be posted until you personally remit them.
  • You can continue contributing as a voluntary member to keep your benefits active.

Your SSS number stays the same — only your membership type changes. This ensures that your contribution history remains uninterrupted and that you’re still eligible for benefits.

🔄 How to Change Your Status from Employed to Voluntary (2026 Guide)

Here’s how to officially update your membership in 2026:

Option 1: Online (Recommended)

  1. Log in to your My.SSS account at sss.gov.ph.
  2. Go to Member Info → Update Membership Type.
  3. Choose Voluntary and confirm.
  4. Start paying your contributions through:
  • GCash
  • Maya
  • SSS Mobile App
  • Bayad Center, SM Business Center, or 7-Eleven
  1. Check your updated contribution record after 2–3 working days.

Option 2: Over-the-Counter

If you don’t have an online account, fill out the SS Form RS-5 (Contributions Payment Return), mark “Voluntary,” and pay at any SSS-accredited payment center.

📌 Tip: Wait for your last employer’s contribution to be posted before starting voluntary payments to avoid double posting.

đź’ˇ Can You Still Get Maternity Benefits as a Voluntary Member?

Yes!
As long as you have at least 3 valid contributions within the 12-month qualifying period before your delivery semester, you’re eligible.

Your employment status (employed, self-employed, or voluntary) doesn’t matter — what matters is the continuity of your contributions.

🧮 How to Determine Your Qualifying Period (2026 Examples)

The qualifying period is the 12 months before the semester of childbirth or miscarriage.

EDD (Expected Delivery Date)Semester ExcludedQualifying Period
February 2026Q1 2026 + Q4 2025October 2024 – September 2025
June 2026Q2 2026 + Q1 2026January 2025 – December 2025
October 2026Q4 2026 + Q3 2026July 2025 – June 2026

âś… You need at least 3 paid contributions within the qualifying period.

You can easily check this using the 👉 SSS Maternity Benefits Calculator — it automatically tells you your qualifying months based on your EDD.

đź’° Maternity Benefit Computation (2026)

The SSS computes your maternity benefit based on your average monthly salary credit (MSC) — the higher your contributions, the higher your benefit.

Type of DeliveryDays CoveredMaximum Benefit (₱)
Normal / Cesarean105₱70,000
Solo Parent (Normal or CS)120₱80,000
Miscarriage / ETP / Stillbirth60₱40,000

🩺 Note: Even if you pay ₱35,000 MSC (with MPF), only ₱20,000 is counted for maternity benefit calculation.

đź“Š Minimum MSC Table for Voluntary Members 2026

Compensation RangeRegular MSCMPFTotal MSCSS Amount (₱)MPF (₱)Total (₱)
Below ₱5,250₱5,000₱0₱5,000₱750₱0₱750
₱9,750–₱10,249.99₱10,000₱0₱10,000₱1,500₱0₱1,500
₱19,750–₱20,249.99₱20,000₱0₱20,000₱3,000₱0₱3,000
₱34,750 and above₱20,000₱15,000₱35,000₱3,000₱2,250₱5,250

🟢 Minimum contribution = ₱750/month
🟣 Maximum = ₱5,250/month (with MPF)

Even as a voluntary member, you can choose your MSC — higher contributions mean higher benefits later on.

đź’¬ Real-Life Stories of Filipina Members (2026)

Clarisse’s Story – Office Worker Turned Freelancer

Clarisse from Makati left her corporate job in 2025 to freelance. Her EDD was in May 2026. She became a voluntary member immediately and continued paying ₱1,500/month. When she filed her maternity benefit, she received ₱70,000 — proof that consistency pays off.

Rowena’s Story – OFW Mom

Rowena from Cebu worked in Dubai and paid her SSS via the mobile app. Even as an OFW voluntary member, her contributions were valid. When she gave birth in November 2026, she got her ₱70,000 maternity claim directly through her enrolled bank account.

Leah’s Story – Market Vendor and First-Time Mom

Leah from Iloilo shifted from employed to voluntary after resigning in early 2025. Her EDD was August 2026. She paid ₱750 monthly and qualified for ₱35,000 in maternity benefits — a big help for her baby’s first expenses.

🧾 How to File for SSS Maternity Benefit (Voluntary Members)

Before Childbirth

  1. Submit your Maternity Notification via My.SSS.
  2. Upload your ultrasound or medical certificate.
  3. Wait for confirmation from SSS.

After Delivery

  1. Apply for Maternity Reimbursement online.
  2. Upload required documents:
  • Valid ID
  • Child’s Birth Certificate
  • Medical proof (if miscarriage or ETP)
  • Bank account registered under DAEM
  1. Wait for processing (average 2–4 weeks).

đź“Ś Make sure your bank account is correctly enrolled to avoid delays.

⚠️ Common Mistakes to Avoid

  1. ❌ Not updating from employed to voluntary status.
  2. ❌ Missing contribution months within the qualifying period.
  3. ❌ Late payments beyond the quarterly schedule.
  4. ❌ Filing maternity benefit after childbirth without prior notification.
  5. ❌ Paying MPF thinking it increases maternity benefits (it doesn’t).

đź•“ TL;DR Summary

  • âś… You can still avail maternity benefits after changing from employed to voluntary in 2026.
  • đź’ˇ The key requirement: 3 valid contributions within the qualifying period.
  • đź’° Minimum voluntary contribution = ₱750/month.
  • đź©· File maternity notification before delivery to avoid rejection.
  • 🧮 Check eligibility using the 👉 SSS Maternity Benefits Calculator.

âť“ FAQs

1. Can I still avail of maternity benefits if I just resigned?
Yes, as long as you continue paying as a voluntary member and have at least 3 contributions in the qualifying period.

2. Do I need to update my status before paying?
Yes. Update to “Voluntary” before making payments to ensure they’re recorded correctly.

3. Can I pay for missed months?
No. Payments are only accepted for the current or upcoming quarter.

4. Does higher contribution mean higher maternity benefits?
Yes. The benefit amount depends on your average MSC (up to ₱20,000 maximum).

5. Is MPF included in maternity benefit calculation?
No. MPF contributions are for savings — not included in benefit computations.

🌷 Final Thoughts

Changing from employed to voluntary doesn’t mean losing your maternity privilege. It simply means taking responsibility for your own SSS contributions. With consistency and correct timing, you’ll continue to enjoy full benefits — including the SSS Maternity Benefit in 2026.

So if you’re planning a family soon, stay active, pay regularly, and use the 👉 SSS Maternity Benefits Calculator to check your eligibility today.

Because motherhood should come with peace of mind — and SSS helps make that possible. 💕

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