SSS Maternity Benefit Calculator Philippines (2026)
Estimate your SSS maternity cash benefit under RA 11210 (Expanded Maternity Leave Law). Covers 105 days for live birth, 60 days for miscarriage, and the +15-day solo parent bonus.
Your details
Both normal and Caesarean delivery receive 105 days under RA 11210.
Maps to MSC bracket. Maximum MSC is ₱35,000.
You need at least 3 monthly contributions in the 12-month period before the semester of childbirth.
Your benefit
Total Maternity Benefit
₱87,500
over 105 days
Monthly Salary Credit (MSC)
₱25,000
Daily maternity benefit
₱833.33
Leave days
105
Mother’s share
₱87,500
How SSS computes your maternity benefit
The Social Security System pays a cash benefit equal to 100% of your Average Daily Salary Credit (ADSC) multiplied by the number of leave days. The formula is:
- Average Monthly Salary Credit (AMSC) = sum of your six (6) highest Monthly Salary Credits in the 12-month period immediately preceding the semester of contingency, divided by 6.
- Average Daily Salary Credit (ADSC) = AMSC ÷ 30.
- Total benefit = ADSC × number of leave days (105, 120, or 60).
The “semester of contingency” is the two consecutive quarters that contain the date of childbirth or miscarriage. SSS excludes that semester and looks at the 12 months before it to pick the 6 highest contributions.
Leave entitlements under RA 11210
| Situation | Paid leave days | Notes |
|---|---|---|
| Live birth (normal delivery) | 105 days | Same benefit as cesarean |
| Live birth (cesarean section) | 105 days | No additional days for CS under RA 11210 |
| Solo parent (any live birth) | 120 days | Add 15 days under RA 8972 + RA 11210 |
| Miscarriage / ETP | 60 days | Includes emergency termination of pregnancy |
| Stillbirth | 60 days | Treated like miscarriage |
2026 SSS Monthly Salary Credit (MSC) table
Your MSC is determined by your actual monthly compensation, capped at the SSS ceiling. The 2026 MSC range is ₱5,000 (minimum) to ₱35,000 (maximum).
| Monthly salary range | MSC | 105-day benefit | 120-day benefit (solo) |
|---|---|---|---|
| Up to ₱5,249.99 | ₱5,000 | ₱17,500 | ₱20,000 |
| ₱9,750 – ₱10,249.99 | ₱10,000 | ₱35,000 | ₱40,000 |
| ₱14,750 – ₱15,249.99 | ₱15,000 | ₱52,500 | ₱60,000 |
| ₱19,750 – ₱20,249.99 | ₱20,000 | ₱70,000 | ₱80,000 |
| ₱24,750 – ₱25,249.99 | ₱25,000 | ₱87,500 | ₱100,000 |
| ₱29,750 – ₱30,249.99 | ₱30,000 | ₱105,000 | ₱120,000 |
| ₱34,750 and above | ₱35,000 (max) | ₱122,500 | ₱140,000 |
Eligibility requirements
- You must be an SSS member. This includes employed, self-employed, voluntary, OFW, and household helper members.
- At least 3 paid monthly contributions within the 12-month period immediately preceding the semester of childbirth or miscarriage.
- You must notify SSS of your pregnancy. Employed members notify through their employer; voluntary, self-employed, and OFW members file directly via My.SSS or the SSS Mobile App.
- The benefit is granted for every instance of pregnancy — no cap on the number of pregnancies covered.
Father’s leave allocation (the 7 days)
Under RA 11210 Section 6, a qualified female SSS member may allocate up to 7 days of her 105-day maternity leave to the child’s father, whether or not they are married, in addition to the father’s own 7-day paternity leave under RA 8187.
If the father is unavailable (deceased, absent, incapacitated), the 7 days may be allocated to an alternate caregiver who is a relative within the fourth degree of consanguinity or the current partner of the mother sharing the same household. To allocate, fill out the Maternity Notification Form (MAT-1) and submit the Allocation of Maternity Leave Credits form.
Tips to maximize your benefit
- Keep contributions current in the 12 months before pregnancy. The 6 highest months are used — any missed contribution lowers your AMSC.
- If you’re voluntary or self-employed, pay at the MSC ceiling. SSS lets voluntary members declare a higher MSC (up to ₱35,000) by paying the higher rate. Locking in ₱35,000 for the 6 highest months gets you the ₱122,500 maximum.
- File MAT-1 early. Notify SSS as soon as pregnancy is confirmed. Late notification can cause processing delays but does not forfeit the benefit.
- Check your employer remits on time. Unpaid employer contributions in the 12-month window reduce your benefit even if your payslip shows the deduction.
- Solo parent status must be supported by a valid Solo Parent ID from your city/municipality. Apply at least one month before delivery.
Frequently asked questions
Does cesarean section get more days than normal delivery?
No. Under RA 11210, both normal and cesarean deliveries receive 105 days. Previously (before 2019), CS received 78 days vs 60 for normal — that distinction was removed. The increased uniform 105 days reflects post-birth recovery for both modes.
Can I receive both SSS maternity benefit AND my regular salary?
For employed members: your employer pays you in full during maternity leave (salary differential if their pay exceeds SSS benefit, plus the SSS benefit itself which the employer collects and remits to you). For voluntary/self-employed/OFW: you receive the SSS benefit directly. You do not “double dip” — the SSS benefit is what your employer advances, then they get reimbursed by SSS.
What if I had a miscarriage? Do I still get a benefit?
Yes. Miscarriage and emergency termination of pregnancy (ETP) are covered with 60 days of paid leave at 100% AMSC. You must still meet the 3-contribution eligibility rule. A medical certificate confirming the miscarriage is required for the claim.
I’m an OFW. Can I claim SSS maternity?
Yes. Land-based OFWs registered with SSS as voluntary members can claim. Sea-based OFWs (seafarers) under POEA contracts are also eligible. You must have at least 3 contributions in the 12 months before the semester of childbirth. File MAT-1 through the My.SSS portal or SSS Mobile App. The benefit is paid in pesos to your SSS-registered Philippine bank account.
How long after giving birth do I have to claim?
You have 10 years from the date of childbirth to file the maternity claim under SSS rules — but in practice, file MAT-2 (claim form) and submit documents within 6 months of childbirth to ensure timely payment. Required documents: MAT-1 (advance notification), MAT-2 (claim), birth certificate of child, valid ID, and your bank account details for crediting.
My husband is unemployed. Can I still allocate the 7 days to him?
Yes. The 7-day allocation does not require the father to be employed. It is a wage replacement for the days he takes off to care for the mother and newborn — for unemployed fathers, this serves as additional cash benefit to the family. The amount equals 7 × your ADSC, paid through your SSS account or directly to him via a separate application.
What if I have twins or triplets — do I get more benefit?
No. RA 11210 grants 105 days per pregnancy event, regardless of the number of children born. Twins, triplets, or higher-order births receive the same 105 days (or 120 for solo parents). This differs from some other countries that grant additional days for multiple births.
I’m voluntarily contributing at ₱5,000 MSC. Can I increase to ₱35,000 now that I’m pregnant?
You can declare a higher MSC at any time, but SSS uses your 6 HIGHEST MSCs in the 12 months before the semester of contingency. If you only have 1-2 months at ₱35,000, those help — but the remaining 4-5 months at ₱5,000 will dominate the average. Plan ahead: start paying at the higher MSC at least 6 months before conception to maximize your benefit.
Is the SSS maternity benefit taxable?
No. Under the National Internal Revenue Code, SSS benefits including maternity, sickness, retirement, and death benefits are exempt from income tax. The amount you receive is what you keep — no BIR withholding applies. However, the salary differential that your employer pays (the gap between SSS benefit and your regular pay, if any) follows normal income tax rules.
Can my employer fire me for taking maternity leave?
No. Section 4 of RA 11210 explicitly prohibits dismissal due to pregnancy, childbirth, or any related condition. Doing so is a punishable offense for the employer. Your employer is also required to allow you to return to the same or equivalent position after maternity leave, with no loss of seniority or benefits.
Estimates only. Actual SSS benefits depend on your verified contribution history, MSC bracket, and SSS processing rules at the time of claim. Always confirm with My.SSS or your branch before relying on this figure. RA 11210 (Expanded Maternity Leave Law) is the legal basis as of 2026; consult an SSS counselor for borderline eligibility cases.