For many expectant moms, one of the biggest worries is financial preparation for childbirth. Hospital bills, baby essentials, and recovery time all add up. The good news? If you’re an SSS member, you may be eligible to receive as much as ₱70,000 in SSS maternity benefits — a huge help during this life-changing stage.
But how does it work? Is everyone entitled to ₱70,000? And how do you make sure you get the maximum benefit possible? Let’s break it down in simple, easy-to-follow steps.
What Is SSS Maternity Benefits?
The SSS Maternity Benefit is a cash allowance given to female SSS members who cannot work due to childbirth or pregnancy-related cases. The amount you get depends on:
Your monthly contributions
Your average monthly salary credit (AMSC)
The number of days covered based on your delivery type
Coverage Days
Case
Number of Days Covered
Normal Delivery
105 days
Cesarean Delivery
105 days
Miscarriage / Early Termination / Stillbirth
60 days
Solo Parent (Normal or Cesarean)
120 days
How to Reach ₱70,000 in SSS Maternity Benefits
Not all moms automatically get ₱70,000. To receive the maximum, here’s what needs to happen:
1. Consistently Pay Maximum SSS Contributions
The higher your declared monthly salary credit, the bigger your benefit.
As of recent SSS schedules, maximum contribution corresponds to the maximum salary credit of ₱30,000.
2. Compute Based on the Formula
The formula is:
Daily Maternity Benefit = (Average Monthly Salary Credit ÷ 30) × 100% Total Benefit = Daily Maternity Benefit × Number of Covered Days
👉 Example:
Max AMSC = ₱30,000
Daily benefit = ₱30,000 ÷ 30 = ₱1,000/day
For 105 days (Normal/Cesarean Delivery) → ₱1,000 × 105 = ₱105,000
So why do some moms get ₱70,000? Because not all members pay maximum contributions consistently. If your AMSC is lower, your total benefit decreases. ₱70,000 is possible if your average contribution is around ₱20,000 AMSC level.
3. Use the SSS Maternity Benefits Calculator
To avoid guesswork, use this free tool: SSS Maternity Benefits Calculator. Just input your salary and delivery type, and you’ll see your estimated benefits instantly.
Step-by-Step Guide: How to Avail ₱70,000 Maternity Benefits
Step 1: Check Your Eligibility
Must be a female SSS member
Have at least 3 monthly contributions within the 12 months before your semester of childbirth/miscarriage
Must notify SSS of pregnancy
Step 2: File Your Maternity Notification
Through My.SSS online
Or via employer (if employed)
Step 3: Prepare Requirements
SSS maternity notification form
Proof of pregnancy (ultrasound or doctor’s note)
Valid ID
Step 4: Enroll Your Bank or E-Wallet in DAEM
SSS now uses the Disbursement Account Enrollment Module (DAEM). You can use:
Bank accounts (BDO, BPI, Metrobank, PNB, Landbank, etc.)
Don’t forget to file maternity notification and enroll your bank/e-wallet in DAEM.
FAQs
1. Is ₱70,000 the maximum maternity benefit from SSS? No, the maximum can go beyond ₱70,000 if you’re paying the top salary credit. Some moms receive ₱100,000+.
2. Can voluntary members also avail ₱70,000 benefits? Yes, as long as they contribute based on a higher declared income and meet eligibility.
3. How soon should I file my maternity notification? As soon as pregnancy is confirmed. Don’t wait until delivery.
4. Can I receive the maternity benefit if I’m unemployed? Yes, basta active and updated ang SSS contributions mo before pregnancy.
5. How long before I receive the money after approval? Usually within 7–10 working days after approval and bank validation.
