Pregnancy is one of the most beautiful milestones in life — but it also comes with a lot of paperwork and planning. Thankfully, the Social Security System (SSS) has made it easier for mothers to file their maternity benefit claims through the online system.
If you’re expecting in 2026, this guide will show you exactly how to file your SSS Maternity Benefit online, what requirements you’ll need, and how to ensure your claim gets approved smoothly.
đź’ˇ Why the SSS Maternity Benefit Matters
The SSS Maternity Benefit gives financial support to covered female members during childbirth, miscarriage, or pregnancy termination.
It’s one of the most helpful government benefits because it allows moms to focus on recovery instead of worrying about income loss.
However, to enjoy this benefit, you need to meet the qualifying period and file correctly — especially now that the entire process can be done online.
🧠Step-by-Step Guide: How to File Your SSS Maternity Benefit Online (2026)
🖥️ Step 1: Log in to Your My.SSS Account
Go to the official My.SSS portal and log in using your registered email or user ID and password. If you don’t have an account yet, register online using your SSS number, email, and mobile number.
After submitting, you’ll receive an email confirmation that your maternity notification was successfully received. This step ensures SSS recognizes your claim before your delivery date — a crucial requirement for benefit approval.
🧍‍♀️ Step 4: File the Actual Maternity Benefit Application
After giving birth (or if the pregnancy ends in miscarriage or termination), you can now apply for the maternity benefit proper.
To do this:
Log in again to your My.SSS account.
Go to E-Services → Maternity Benefit Application.
Provide your delivery details:
Actual date of delivery
Delivery type (Normal, Cesarean, Miscarriage, etc.)
Number of days of maternity leave
Upload required documents (see list below).
Submit and wait for the acknowledgment receipt.
đź“Ž Required Documents for Online Filing
For Normal or Cesarean Delivery:
Medical certificate signed by your attending physician
Birth certificate of the child (if available at the time of filing)
Valid ID with photo and signature
For Miscarriage, Stillbirth, or Emergency Termination of Pregnancy:
Medical certificate or hospital record
Ultrasound or histopathology report
For Solo Parents:
Valid Solo Parent ID from DSWD (for extended leave benefit)
🧮 How to Know If You’re Qualified
Eligibility depends on your qualifying period — the 12-month window before the semester of your delivery.
To qualify, you must have at least 3 valid contributions within that period.
Clarisse’s Story – Office Worker Turned Freelancer
Clarisse from Makati was due in May 2026. She had already filed her maternity notification in 2025 before resigning. By the time she filed her benefit online, SSS approved it in just 5 days — all because she filed early and uploaded complete documents.
Rowena’s Story – OFW on Vacation Leave
Rowena, an OFW from Dubai, filed her maternity notification while abroad using her My.SSS account. When she gave birth in November 2026, she uploaded her documents online and received her maternity pay through her local bank account — no branch visit needed.
Dianne’s Story – Public School Teacher
Dianne from Baguio followed the online filing steps before her February 2026 due date. Her contributions were complete (October 2024–September 2025), and she received her full 105-day benefit without delay.
Leah’s Story – Market Vendor and First-Time Mom
Leah from Iloilo learned about the online filing from a friend. She used the calculator to confirm her eligibility, filed her maternity notification online, and received her benefit directly in her GCash-linked bank account — a big help during her postpartum recovery.
📆 When to File Your Maternity Notification
Situation
When to File
Pregnant (Normal or Cesarean)
Before giving birth
Miscarriage or Stillbirth
Immediately after medical confirmation
OFWs or Voluntary Members
As soon as pregnancy is confirmed
⚠️ Failing to file the maternity notification before delivery may lead to claim disapproval.
đź’° How Much Will You Receive?
The maternity benefit is equal to 100% of your average daily salary credit (ADSC) multiplied by the number of compensable days:
Type of Delivery
Days Paid
Normal or Cesarean Delivery
105 days
Miscarriage, Stillbirth, or ETP
60 days
Solo Parent (Normal/Cesarean)
120 days
Example: If your average daily salary credit is ₱800: ₱800 × 105 days = ₱84,000 maternity benefit.
⚠️ Common Online Filing Mistakes (and How to Avoid Them)
Uploading blurry or incomplete documents – Always ensure photos are clear and readable.
Using the wrong EDD or actual delivery date – SSS uses the Expected Delivery Date from your OB-GYN.
Not updating bank details – Register your bank account or DAEM enrollment before filing.
Late filing of notification – File as soon as you confirm your pregnancy.
🧾 TL;DR – Summary for Busy Moms
File your maternity notification online before giving birth.
Submit your maternity benefit application after delivery.
Prepare all required documents ahead of time.
Always confirm eligibility using the 👉 SSS Maternity Qualifying Period Calculator 2026.
Expect faster processing if your records and payments are complete.
âť“ FAQs About Filing SSS Maternity Benefits Online
1. Can I file both notification and benefit online? Yes. Both can be done through your My.SSS account under “E-Services.”
2. What if I already gave birth before filing? Late filing may result in disqualification. Notify SSS immediately for advice.
3. How will I receive the payment? Directly through your registered bank account (via DAEM enrollment).
4. Can voluntary and OFW members file online? Yes, both voluntary and OFW members can file and upload documents remotely.
5. How long does it take to receive payment? Usually within 5–10 working days after submission and approval.
❤️ Final Advice
Filing your SSS Maternity Benefit online in 2026 is simpler, faster, and safer — no long queues or paperwork.
