How to Apply for SSS Maternity Benefits
Find your next filing step — kung pregnant pa, ready nang mag-file, waiting for a decision, approved but unpaid, or returned/rejected.
Kailan puwedeng mag-apply o mag-file ng SSS maternity benefits?
Kung pregnant pa at hindi pa nangyayari ang childbirth, miscarriage, o ETP: ang importanteng step ay ang maternity notification bago ang contingency. Employed members coordinate with the employer; SE/VM/NWS/OFW members may notify SSS through the available SSS channels.
Kung nangyari na ang childbirth, miscarriage, o ETP: saka papasok ang final Maternity Benefit Application (MBA) for applicable individual members or Maternity Benefit Reimbursement Application (MBRA) for employers. The final claim uses documents from the actual contingency, so this filing stage follows the event.
Kailan dapat mag-file?
File the correct claim once the contingency has happened and the required documents for your case are ready. Do not confuse maternity notification during pregnancy with the final benefit claim.
Hanggang kailan puwedeng mag-file?
SSS states that maternity benefit claims may be filed within 10 years from the date of delivery, miscarriage, or ETP. Document requirements can change depending on how long ago the contingency happened, so earlier filing is usually simpler.
MAT-1, MAT-2, MBA and MBRA: what do you actually file?
Many members still search for MAT-1 and MAT-2. The easiest way to understand the current process is to separate the pregnancy notification from the final maternity benefit claim.
Before childbirth / contingency
MAT-1 = Maternity Notification intent
“MAT-1” is the familiar term many members use for the maternity-notification step. Under the current SSS process, the important action is to submit or transmit the Maternity Notification before the contingency through the correct member or employer route.
After childbirth / miscarriage / ETP
“MAT-2” search intent = MBA / MBRA claim stage
Members may still call the post-event claim “MAT-2,” but current SSS filing guidance refers to the online Maternity Benefit Application (MBA) for applicable individual members and Maternity Benefit Reimbursement Application (MBRA) for employers.
No MAT-1 confirmation? How to check if your Maternity Notification went through
If you submitted a maternity notification but did not see a confirmation, verify the existing record before submitting another notification. The goal is to confirm whether SSS already received the pregnancy notification and the expected date of childbirth.
For an online My.SSS maternity notification, keep the transaction number issued after submission as proof of the transaction.
SSS can send transaction details electronically, and the MySSS app can display maternity-notification details for qualified female members.
Ask whether the employer already transmitted the Maternity Notification through the employer My.SSS account and request the available acknowledgement or transaction details.
Do not invent a date or repeatedly resubmit just to force a confirmation. Follow the guidance for your actual filing situation.
What should you do next?
This is not another benefit calculator. Choose your member type and where you are in the filing process. We will show the next action, who handles it, and what to prepare.
Need qualification or benefit amount instead?
Use this page when your question is what to do next in the filing process. If you still need to know which months count or how much you may receive, use the dedicated tools below.
The SSS maternity filing process
1. Submit your maternity notification
If you are employed, inform your employer as soon as your pregnancy is confirmed and provide the expected date of childbirth plus acceptable proof of pregnancy. Your employer then submits the Maternity Notification through its My.SSS account.
If you are Self-Employed, Voluntary, a Non-Working Spouse, or an OFW, you may notify SSS directly through My.SSS, the SSS Mobile App, or a Self-Service Express Terminal.
2. File the correct benefit application
For individual members, the claim is filed as a Maternity Benefit Application (MBA). For employers seeking reimbursement after advancing the benefit to an employee, the filing is a Maternity Benefit Reimbursement Application (MBRA).
SSS states that MBA and MBRA filing is done online through the member's or employer's My.SSS account.
3. Upload the documents that match your case
The required documents differ for live childbirth, stillbirth/fetal death, miscarriage or ETP, solo-parent claims, contingencies abroad, and members who recently separated from employment. Upload clear scans of the required original or certified true-copy documents.
4. Make sure your DAEM account is ready
For benefits paid directly by SSS, the approved disbursement account is handled through the Disbursement Account Enrollment Module (DAEM) in My.SSS.
If crediting fails, SSS may require you to update or enroll another disbursement account and request re-disbursement through My.SSS.
Check DAEM, Banks, GCash & Maya5. Track the claim and disbursement
Monitor your My.SSS account and electronic notifications for the claim and payment status. Final approval depends on SSS records, posted contributions, documents, and validation.
What documents should you prepare?
If filing within 6 months from delivery
SSS lists the child's Certificate of Live Birth (CLB) or applicable Certificate of Death registered with the Local Civil Registrar, together with the corresponding Official Receipt or Acknowledgement Receipt issued by the LCR.
If filing beyond 6 months from delivery
SSS lists the child's CLB/COD issued by the Philippine Statistics Authority (PSA), with the corresponding Official Receipt or Acknowledgement Receipt.
If the childbirth happened abroad
Use the applicable Report of Birth/Death from the Philippine Embassy, Consulate, PSA, or equivalent foreign-country document, with English translation when applicable.
The key document is the Certificate of Fetal Death (COFD).
- Within 6 months: LCR-registered COFD plus the corresponding LCR Official Receipt or Acknowledgement Receipt.
- Beyond 6 months: PSA-issued COFD plus the corresponding Official Receipt or Acknowledgement Receipt.
- Abroad: applicable Philippine mission/PSA record or equivalent foreign document, with English translation when applicable.
SSS requires evidence in three groups: proof of pregnancy, proof of termination, and a supporting medical document.
A. Proof of pregnancy - one applicable document
- Pregnancy-test result signed by a physician/municipal health officer; or
- Diagnostic test/report signed by a physician, such as ultrasound, Beta HCG, or Early Pregnancy Factor.
B. Proof of termination - one applicable physician-signed document
- Pregnancy-test result;
- Ultrasound result;
- Histopathological Report; or
- Operating Room Record.
C. Medical document - one applicable physician-signed document
- Medical Certificate;
- Records of Consultation; or
- Clinical Abstract / Discharge Summary.
SSS lists a valid Solo Parent ID or the applicable LGU certification/e-certification of eligibility. The delivery date and validity/issuance rules must satisfy SSS requirements for the additional 15 days.
If the contingency occurred during employment or within 6 months from separation, SSS lists a Certificate of Separation from Employment stating the effective date and that no advance maternity payment was granted.
If that certificate cannot be secured, SSS allows an Affidavit of Undertaking in specified circumstances, including company strike/closure, a pending separation case, AWOL or strained employer relations, substantial distance from the employer, or unavailable former-employer records.
Read the maternity-after-resignation guideForeign medical documents should include English translation when applicable.
SSS states that Philippine Embassy/Consulate authentication, foreign notarization, or apostille is not required for these maternity supporting documents under the current guidance.
Employee vs direct SSS payment
If you are employed
The employer advances the full SSS maternity benefit within 30 days from the filing of the maternity leave application, then seeks reimbursement from SSS after complying with the requirements.
Eligible employed members may also be entitled to salary differential from the employer, subject to the exemptions allowed by law.
Check Salary DifferentialIf SSS pays you directly
SSS directly pays applicable individual members, including SE/VM/NWS/OFW members and members whose contingency occurred during employment but who are now unemployed, separated, temporarily laid off, or affected by qualifying employment circumstances.
Make sure your approved DAEM disbursement option is ready before payment.
Important filing rules
Common filing questions
Official maternity forms you may encounter
- Maternity Notification
- Maternity Benefit Application / Maternity Benefit Reimbursement Application for special cases
- Affidavit of Undertaking - Non-Receipt of Advance Payment for Sickness/Maternity Benefits
- Affidavit of Undertaking - Unclaimed Maternity Benefit of Deceased Member
Having trouble with a claim?
If your filing was rejected, your payment is delayed, or your case does not match the normal route, use the focused guides instead of submitting the same application repeatedly.
Official SSS references
This independent guide summarizes the current SSS maternity filing flow. Final qualification, filing requirements, document acceptance, claim approval, and payment remain subject to SSS records and validation.