Filing SSS Maternity Benefits Claim After Resignation 2026 (Voluntary Members)
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Filing SSS Maternity Benefits Claim After Resignation 2026 (Voluntary Members)
If you recently resigned from your job in 2026 and are wondering whether you can still claim your SSS Maternity Benefit, the answer is yes, absolutely! You can still receive your maternity cash assistance as long as you continue your contributions as a voluntary member and meet the qualifying period requirements.
This guide explains exactly how to file your SSS Maternity Benefit claim after resignation, what documents to prepare, how to continue your payments, and how to avoid the common mistakes that cause claim denials.
🌸 Why You Should Still File Your Maternity Claim After Resignation
Resignation does not cancel your SSS benefits. Once you become a voluntary member, you still have access to the same maternity assistance — even without an employer.
Kung member ka ng SSS at buntis ka pagkatapos mag-resign, pwede ka pa ring mag-apply ng maternity benefit basta’t tuloy-tuloy ang hulog mo bilang voluntary member.
The key is making sure your contributions are updated and that you meet the qualifying period before your delivery.
👩💼 What Happens to Your SSS Membership After You Resign
When you resign:
Your employer stops remitting contributions.
Your SSS record remains active but inactive in payments.
You can continue paying under “Voluntary Member” to keep your coverage.
Your SSS number stays the same — only your membership type changes. This ensures all your past payments as an employee remain credited to your record.
🔄 How to Update Your Status to Voluntary
You can do this easily online or at any SSS partner branch.
Check contribution posting after 2–3 working days.
Option 2: Over-the-Counter
Fill out the SS Form RS-5 (Contributions Payment Return). Tick Voluntary and pay at any accredited SSS payment center.
📌 Tip: Wait for your last employer contribution to post before your first voluntary payment to avoid overlap.
🧮 Understanding the Qualifying Period After Resignation
The SSS uses your Expected Delivery Date (EDD) to determine your qualifying period — the 12 months before the semester of childbirth.
EDD (Expected Delivery Date)
Semester Excluded
Qualifying Period (12 Months)
February 2026
Q1 2026 + Q4 2025
October 2024 – September 2025
June 2026
Q2 2026 + Q1 2026
January 2025 – December 2025
October 2026
Q4 2026 + Q3 2026
July 2025 – June 2026
✅ You need at least 3 paid contributions within your qualifying period.
You can automatically calculate this using the 👉 SSS Maternity Benefits Calculator — perfect for checking if your past and voluntary contributions qualify you for benefits.
💰 How Much Is the Maternity Benefit (2026)
The benefit is based on your average monthly salary credit (MSC) — the higher your MSC, the bigger your maternity cash.
Type of Delivery
Days Covered
Maximum Benefit (₱)
Normal / Cesarean
105 days
₱70,000
Solo Parent (Normal / CS)
120 days
₱80,000
Miscarriage / ETP / Stillbirth
60 days
₱40,000
💡 Note: Even if you’re paying ₱35,000 MSC (with MPF), only ₱20,000 is used for maternity calculation because MPF is excluded from SSS benefits.
📊 Minimum MSC Table for Voluntary Members 2026
Compensation Range
Regular MSC
MPF
Total MSC
SS Amount (₱)
MPF (₱)
Total (₱)
Below ₱5,250
₱5,000
₱0
₱5,000
₱750
₱0
₱750
₱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 = ₱750/month 🟣 Maximum = ₱5,250/month (with MPF)
The Regular SS portion (₱3,000 max) is what determines your maternity benefit.
🧾 Step-by-Step Guide: Filing Maternity Benefit After Resignation
📌 Must be filed before giving birth — otherwise, your claim may be rejected.
Step 2: Pay Your Voluntary Contributions
Continue paying monthly or quarterly contributions before and during your qualifying period. You can pay via:
GCash or Maya
SSS Mobile App
Partner payment centers (SM, Bayad, 7-Eleven)
Step 3: Apply for Maternity Reimbursement (After Delivery)
Once your baby is born, log back in to My.SSS → Apply for Maternity Benefit and upload:
Valid ID
Birth certificate of your child
Bank account (DAEM-enrolled)
Medical proof (if miscarriage or ETP)
Processing usually takes 2–4 weeks.
💬 Real-Life Stories of Voluntary Moms After Resignation
Clarisse’s Story – Corporate Employee Turned Freelancer
Clarisse from Makati resigned in 2025 and switched to voluntary contributions. Her EDD was May 2026. She paid ₱1,500 monthly until delivery and received ₱70,000 in SSS maternity benefit directly through her bank account.
Leah’s Story – First-Time Mom from Iloilo
Leah left her job in 2025 and started paying ₱750/month as a voluntary member. Her EDD was August 2026. Using the maternity calculator, she confirmed her qualifying period and successfully claimed ₱35,000 in benefits.
Rowena’s Story – OFW on Leave
Rowena from Cebu was an OFW temporarily home in 2026. She paid voluntary SSS contributions online, filed maternity notification before her due date, and received ₱70,000 after delivery.
⚠️ Common Mistakes That Cause Rejection
❌ Not updating from Employed to Voluntary before paying.
❌ Missing 3 contributions within the qualifying period.
❌ Late maternity notification (must be before childbirth).
1. Can I still claim maternity benefits after I resign? Yes, as long as you pay as a voluntary member and meet the 3-contribution rule.
2. When should I change to voluntary? Immediately after your employer’s last contribution has been posted.
3. Can I pay missed contributions? No. You can only pay for the current or future months.
4. Can I file online as a voluntary member? Yes, all steps — from notification to reimbursement — can be done through My.SSS.
5. Do I still get the same benefit amount as before resignation? Yes. Your benefit depends on your MSC, not your employment status.
🌷 Final Thoughts
Filing your SSS Maternity Benefit after resignation is easy and fully digital in 2026. Whether you’re a freelancer, homemaker, or OFW, what matters most is that you remain active with your voluntary contributions.
If you’re pregnant or planning to be, check your qualifying period early using the 👉 SSS Maternity Benefits Calculator and stay consistent in your payments.
Motherhood shouldn’t be stressful — and your SSS benefits can help you prepare with peace of mind. 💕
