Can I Apply for SSS Maternity Benefits as a Voluntary Member?
/
Yes, if you are a voluntary member of the Social Security System (SSS) in the Philippines, you are eligible to apply for the SSS Maternity Benefitⓘ, provided you meet the required conditions. This benefit is available to all qualified female members of SSS, regardless of their employment status. Below is a detailed guide to help voluntary members understand how they can claim their maternity benefits.
As a voluntary member, you need to meet the following criteria to qualify for the SSS Maternity Benefit:
A. Active Membership
You must be registered as a voluntary SSS memberⓘ and have an active account.
B. Paid Contributions
You need to have paid at least 3 monthly contributions within the 12-month period before the semester of your pregnancy.
Example: If your due date is in August 2024, the semester of contingencyⓘ is January to June 2024. SSS will check if you paid at least 3 contributions from January to December 2023.
C. Maternity Notification
You must notify SSS about your pregnancy before giving birth. This can be done online through the SSS Member Portal.
2. Steps to Apply for SSS Maternity Benefits as a Voluntary Member
Here’s a step-by-step guide to claiming your SSS Maternity Benefit:
Upload proof of pregnancy, such as an ultrasound report or a confinement periodⓘ, and the member’s inability to work. For sickness benefits, thi?" title="A medical certificate is a formal document issued by a licensed physician stating the diagnosis, confinement period, and the member’s inability to work. For sickness benefits, thi?">medical certificateⓘ.
Step 2: Pay Your Contributions
If you haven’t yet paid the required contributions, make sure to settle them before the due date of your pregnancy. Contributions can be paid through:
SSS-accredited payment centers,
Online banking, or
The SSS mobile app.
Step 3: File Your Maternity Benefit Claim (After Giving Birth)
Once you’ve given birth, log in to the SSS Member Portal again.
Child’s Birth Certificate (PSA or Local Civil Registry).
Valid ID(s).
Medical certificate for miscarriage or emergency terminationⓘ of pregnancy (if applicable).
Step 4: Enroll Your Bank Account for Disbursement
Make sure your bank account or e-wallet is registered in the Disbursement Account Enrollmentⓘ Module (DAEMⓘ) of SSS. This is where your benefit will be credited.
3. How Much Can You Receive?
The amount of maternity benefit you’ll receive depends on your Average Salary Creditⓘ (ADSC) is the average value used to compute daily SSS benefits, including sickness and maternity claims. It is derived from the six highest Monthly?" title="The Average Daily Salary Credit (ADSC) is the average value used to compute daily SSS benefits, including sickness and maternity claims. It is derived from the six highest Monthly?">Daily Salary Creditⓘ (ADSC) and the number of maternity leave days:
120 Days: If you’re a solo parent (with a Solo Parent ID).
60 Days: For miscarriage or emergency termination of pregnancy.
To calculate your benefit, try our SSS Maternity Benefits Calculator. It provides an estimate based on your contributions and expected leave days.
4. Frequently Asked Questions
Q: Do I need to pay more contributions as a voluntary member to claim the benefit? A: No, you just need to pay the required 3 contributions within the 12-month period before the semester of your pregnancy.
Q: What happens if I fail to notify SSS about my pregnancy? A: Failure to submit your maternity notification before giving birth will disqualify you from receiving the maternity benefit.
Q: Can I apply for maternity benefits if I have missed contributions? A: If you missed contributions, make sure to pay at least 3 months’ worth of contributions within the required time frame before your pregnancy.
Claim Your SSS Maternity Benefit Today
As a voluntary member, you are entitled to financial support during your pregnancy. Make sure you meet the eligibility requirements, submit your maternity notification on time, and file your claim after giving birth.
Not sure how much you’ll get? Use our SSS Maternity Benefits Calculator to estimate your benefit amount and plan your finances better!
Hospital delivery in the Philippines can easily cost ₱60,000 - ₱200,000 depending on the hospital and type of delivery.
Many parents use a credit card to manage these expenses while waiting for their SSS maternity benefits.
