Many Filipinos think that when they stop working for a company, their SSS coverage also stops forever. The truth is — it doesn’t have to. Through Voluntary SSS Membership, you can continue your contributions and stay eligible for benefits like maternity, sickness, and retirement, even if you’re no longer employed.
In 2026, more people are switching to voluntary membership — freelancers, OFWs, housewives, and small business owners — to keep their future benefits secure. But is it really worth it? Let’s dive into the advantages and disadvantages of being a Voluntary SSS Member in 2026, especially if you’re planning to apply for SSS Maternity Benefits soon.
🌸 Why Voluntary SSS Membership Matters for Mothers
If you’re expecting a baby or planning one soon, being an active SSS member ensures you’ll receive cash benefits during your maternity leave. The SSS Maternity Benefit provides financial support for childbirth, miscarriage, or emergency termination of pregnancy.
Even without an employer, you can still qualify — as long as you pay your SSS contributions on time and consistently as a voluntary member.
đź’ˇ What Is a Voluntary Member?
A Voluntary Member is a person who was once employed, self-employed, or an OFW but now pays SSS contributions on their own. You don’t need an employer or business registration — just an active SSS number and regular payments.
Examples of voluntary members:
Former employees who resigned but want to continue SSS payments
Stay-at-home moms or homemakers
Freelancers without business permits
OFWs who no longer work under a contract
Returning SSS members after years of inactivity
âś… Benefits of Voluntary SSS Membership
1. Continuous Access to All SSS Benefits
You remain entitled to:
Maternity Benefits (up to ₱70,000 or ₱80,000 for solo parents)
Sickness Benefit
Disability Benefit
Retirement Pension
Death and Funeral Benefits
Your SSS account remains active and accumulates contributions even without an employer.
2. Full Control of Your Contributions
As a voluntary member, you decide how much to contribute based on your chosen Monthly Salary Credit (MSC). This flexibility allows you to adjust your payments according to your budget.
Range of Compensation
Regular MSC
Total Contribution (₱)
₱5,000
₱750
Minimum
₱10,000
₱1,500
Mid-tier
₱20,000
₱3,000
Maximum (for maternity benefit computation)
💡 Even if you choose ₱35,000 with MPF, SSS will only use ₱20,000 as your base MSC when computing maternity benefits.
3. Eligibility for Maternity Benefits Without an Employer
Voluntary members enjoy the same maternity benefit amount as employed members. You just need to meet the qualifying period requirement — at least 3 paid contributions within the 12 months before the semester of childbirth.
Example: If your Expected Delivery Date (EDD) is August 2026, your qualifying period is April 2025 to March 2026.
You can also pay monthly, quarterly, or yearly, making it easier to maintain consistency.
5. No Need for Employer Verification
Unlike employed members, voluntary members can file maternity benefits directly online without employer coordination. All you need are your SSS credentials and valid documents.
⚠️ Drawbacks of Voluntary SSS Membership
1. You’re Fully Responsible for Payments
Unlike employees whose employers automatically remit contributions, voluntary members must manually pay every month. Missing even one quarter can affect your eligibility — especially for time-sensitive benefits like maternity.
Tip: Always generate a new Payment Reference Number (PRN) before paying, to ensure your payment is properly posted.
2. No Employer Counterpart
You shoulder the entire contribution amount (employee + employer share). For example, if you choose an MSC of ₱20,000, you’ll pay ₱3,000 monthly — all from your own pocket.
3. Posting Delays Can Affect Eligibility
Sometimes, payments made through non-SSS channels (like e-wallets) may take days or weeks to reflect in your SSS record. Always check your Contribution Record in My.SSS to make sure all payments are credited.
4. You Need to File Manually for Benefits
While filing is now easier via My.SSS, voluntary members must complete all requirements themselves — including uploading documents, verifying bank details, and submitting post-delivery forms.
đź“Š Minimum MSC Table for Voluntary Members (2026)
Below is the simplified range from the full 2026 table:
Range of Compensation
Regular SS MSC
MPF MSC
Total MSC
SS Contribution
MPF Contribution
Total
Below ₱5,250
₱5,000
₱0
₱5,000
₱750
₱0
₱750
₱10,000
₱10,000
₱0
₱10,000
₱1,500
₱0
₱1,500
₱20,000
₱20,000
₱0
₱20,000
₱3,000
₱0
₱3,000
₱35,000
₱20,000
₱15,000
₱35,000
₱3,000
₱2,250
₱5,250
đź“Ť Note: The MPF (Mandatory Provident Fund) is not included in maternity computations.
🧮 Maternity Benefit Computation for Voluntary Members
Formula:
Average Daily Salary Credit (ADSC) Ă— Number of Maternity Leave Days
If your average MSC = ₱20,000:
ADSC = ₱20,000 ÷ 30 = ₱666.67
₱666.67 × 105 days = ₱70,000
🎀 Solo parents with valid ID receive 120 days × ₱666.67 = ₱80,000.
Missed Payments Before Qualifying Period Many moms forget to pay at least 3 months before their qualifying period ends, which can disqualify them. 👉 Always check your contribution calendar.
Incorrect Payment Posting Payments not linked to your PRN might not post automatically. Keep your official receipts or GCash reference numbers.
Inactive Bank Enrollment SSS now requires an enrolled PESONet bank account for benefit release. Set this up early.
Late Notification Failing to file a Maternity Notification before delivery can delay or void claims. Always file online as soon as your pregnancy is confirmed.
đź’¬ Real-Life Stories: Lessons from Voluntary Members
Clarisse’s Story – Office Worker Turned Freelancer
Clarisse from Makati shifted to freelance work in 2025. By paying her voluntary contributions consistently, she remained eligible and received ₱70,000 for her May 2026 delivery.
Rowena’s Story – OFW on Vacation Leave
Rowena, based in Dubai, switched to voluntary membership after her contract ended. She paid in advance through her family in the Philippines and claimed ₱70,000 after her November 2026 delivery.
Leah’s Story – Market Vendor and First-Time Mom
Leah from Iloilo started paying ₱750 monthly after her friend introduced her to SSS. Her contributions qualified her for ₱40,000 after a miscarriage in June 2026 — a big help for her recovery.
⚖️ Pros and Cons Summary
Category
Pros
Cons
Payment
Flexible schedule and amount
Must pay manually; no employer share
Eligibility
Same as employed members
Missing months can disqualify you
Access
My.SSS portal online access
Some transactions still require branch visit
Benefit
Full maternity and retirement coverage
Computation capped at ₱20,000 MSC
Convenience
Simple registration and filing
Must self-manage PRN and bank details
đź•’ TL;DR Summary
Voluntary SSS Membership (2026) ✅ Best for: Freelancers, homemakers, OFWs, and former employees ✅ Maternity benefit: Up to ₱70,000 / ₱80,000 (solo parent) ✅ Requirements: 3 paid contributions within the qualifying period ✅ Payment: Self-funded via My.SSS or partner apps ✅ Filing: Online through My.SSS before giving birth
âť“ FAQs
1. Can I still apply for maternity benefit even if I’m unemployed? Yes. As long as you’re an active voluntary member with at least 3 contributions before the qualifying period ends.
2. How can I become a voluntary member? Log in to My.SSS and update your membership type to “Voluntary” using the E-4 form or directly at the branch.
3. What happens if I miss a month of payment? You can continue paying next month, but missed months won’t count toward your qualifying period.
4. Do voluntary members get the same maternity amount as employed ones? Yes. The computation is based on your MSC, not your employment type.
5. Can I pay in advance? Yes, you can pay quarterly or yearly using your PRN-generated payment slip.
🌷 Final Thoughts
Being a Voluntary SSS Member in 2026 is a smart move if you want to maintain your benefit eligibility and financial security. While it requires self-discipline and consistent payments, the long-term rewards — like maternity, sickness, and retirement benefits — make it absolutely worth it.
Before you plan your next payment, check your eligibility and expected payout using the SSS Maternity Benefits Calculator 2026 and start preparing early for a stress-free maternity experience. đź’•
