How much is the SSS maternity benefit?

Between a few thousand pesos and up to ₱70,000, depending on your Monthly Salary Credit and the number of leave days. The ₱70,000 maximum is reached at the ₱20,000 MSC ceiling for a 105-day live birth.

How is the SSS maternity benefit computed?

Average Daily Salary Credit (sum of your 6 highest MSCs ÷ 180) multiplied by the number of leave days (105 for a live birth).

How many contributions do I need?

At least 3 monthly contributions within the 12-month period before the semester of your childbirth or miscarriage.

Can voluntary or self-employed members claim it?

Yes, as long as they have the required contributions and filed the maternity notification.

How to Avail the ₱70K SSS Maternity Benefit (2026 Guide)

Quick answer: To get the maximum SSS maternity benefit of ₱70,000, you need to be at the top Monthly Salary Credit (MSC) of ₱20,000 and qualify for the full 105 days of a live birth. The benefit is your Average Daily Salary Credit × number of leave days. Estimate your exact benefit with our calculator →

How much can you get?

The “₱70,000” figure is the maximum, reached only at the highest MSC used for maternity (₱20,000) for a 105-day live birth. Most members get less — it depends on your MSC and number of days.

Daily allowance = (Sum of your 6 highest MSCs ÷ 180) Total benefit = Daily allowance × number of leave days

Leave days under RA 11210:

Live birth: 105 days
Solo parent: 120 days (+15)
Miscarriage / emergency termination: 60 days

Why ₱70,000 is the ceiling

The MSC used to compute maternity is capped at ₱20,000:

Daily allowance = (₱20,000 × 6) ÷ 180 = ₱666.67
Total = ₱666.67 × 105 = ₱70,000

A mid-range example

A member with all six MSCs at ₱15,000:

Daily allowance = (₱15,000 × 6) ÷ 180 = ₱500
Total = ₱500 × 105 = ₱52,500

See your number →

Who qualifies

At least 3 monthly contributions within the 12-month period immediately before the semester of your childbirth or miscarriage.
You notified SSS of your pregnancy (through your employer if employed, or directly if voluntary/self-employed).
Applies to employed, voluntary, self-employed and even separated members with sufficient prior contributions.

Detailed eligibility: SSS maternity qualifying period →

How to apply — step by step

Submit the Maternity Notification as early in your pregnancy as possible (via My.SSS online or through your employer).
After giving birth, file the Maternity Benefit Application through My.SSS, attaching the required documents (birth certificate, etc.).
Employed members: your employer advances the full benefit, then is reimbursed by SSS.
Voluntary / self-employed: the benefit is paid directly to your registered disbursement account.

How to maximize your benefit

Raise your MSC by paying contributions on a higher salary credit in the months before pregnancy (especially useful for voluntary and self-employed members who can declare a higher income).
Make sure all qualifying contributions are posted before you file.
File the notification early to avoid delays.

Want to confirm what MSC you’re on? Use the SSS Contribution Calculator →.

Sources: RA 11210 (Expanded Maternity Leave Act) and SSS circulars. For estimation only — confirm with SSS.