SSS Employer Guide for Kasambahay Maternity Benefit 2026

SSS Employer Guide for Kasambahay Maternity Benefit 2026

As a household employer in the Philippines, you play an important role in protecting your kasambahayTMs welfare " especially when it comes to maternity benefits. The Social Security System (SSS) provides financial assistance to qualified female members who cannot work due to childbirth, miscarriage, or emergency terminationⓘ of pregnancy.

But hereTMs the key: for kasambahays, the employer is the one responsible for filing, paying contributions, and advancing the maternity benefitⓘ before getting reimbursed by SSS.

This guide will help household employers fully understand the 2026 process, deadlines, contribution tables, and practical examples to make sure your kasambahay receives her benefit without delay.

What Is the SSS Maternity Benefit?

The SSS Maternity Benefit is a cash allowance granted to female members who are unable to work due to:

• Normal or Cesarean Deliveryⓘ
• Miscarriage
• Stillbirth or Early Termination of Pregnancy (ETP)

Benefit Duration (Days of Leave)

The benefit is computed based on the memberTMs 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), multiplied by the allowed number of leave days.

' Example:
If your kasambahayTMs salary is '6,000 monthly:
'200 (ADSC) - 105 days = '21,000 total maternity benefit

- Why This Matters to Employers

Under the Kasambahay Law (RA 10361):

• All household employers must register their kasambahays with SSS.
• Employers are responsible for paying the full contribution if the kasambahay earns below '5,000/month.
• Employers must file the maternity notificationⓘ (MAT-1) and advance the maternity pay.
• After payment, the employer can reimburse the amount from SSS.

Neglecting this responsibility can result in penaltiesⓘ and the loss of the kasambahayTMs maternity entitlement.

Step-by-Step: How Employers Can File Kasambahay Maternity Benefit (2026)

Step 1: Register Your Kasambahay with SSS

Before any benefits can be filed, ensure both employer and kasambahay are registered.

How to Register:

1. Go to SSS.gov.ph ' Register as Household Employer.
2. Get an SSS Employer Number.
3. Register your kasambahay under Household Employment.
4. Start paying monthly SSS contributions (you can pay via Bayad Center, GCash, or SSS branch).

(c) Required Documentsⓘ:

• Valid IDs (both employer and employee)
• Employment contract
• Proof of salary

Step 2: File the Maternity Notification (MAT-1)

This must be done BEFORE the kasambahay gives birth or experiences miscarriage.

How to File MAT-1:

1. Log in to My.SSS as Employer ' E-Services ' Submit Maternity Notification.
2. Attach proof of pregnancy (ultrasound or OB confinement periodⓘ, and the memberTMs 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 memberTMs inability to work. For sickness benefits, thi?">medical certificateⓘ).
3. Print or save the Acknowledgment Receipt.

Important: If MAT-1 is filed after childbirth, the claim will be denied.

Step 3: Advance the Maternity Benefit

The employer must pay the kasambahay in advance " either in full or in scheduled portions " based on her average daily salary.

• The kasambahay should not work during maternity leave.
• Payment should be made within the first few days of her leave.
• The employer will later be reimbursed by SSS.

" Step 4: File for Reimbursement (MAT-2)

After childbirth or recovery, employers may file for reimbursement.

Filing Deadline: Within 1 year from the date of delivery or miscarriage.

How to File MAT-2:

1. Log in to My.SSS ' E-Services ' Submit Maternity Benefit Application (MAT-2)
2. Attach required documents:

• ChildTMs birth certificate (or Fetal Death Certificateⓘ for miscarriage)
• Proof of advance payment
• Valid IDs of both parties
• Proof of SSS contributions

... Once approved, the benefit is credited to the employerTMs registered bank or disbursement account within 10"15 working days.

(R) Check Eligibility Before Filing

Before advancing maternity pay, check if your kasambahay qualifies using the SSS Maternity Benefits Calculator.

This free tool helps verify:

• Qualifying periodⓘ (based on Expected Delivery Date or EDD)
• Contribution count
• Estimated benefit amount

Using this ensures that your kasambahay meets the 3-month minimum contribution rule within her 12-month qualifying period.

"... Qualifying Period Reference (2026)

Members must have at least 3 contributions within this 12-month window to qualify.

' degrees Full Kasambahay / Household Helper MSC Table 2026

('5,000 " '16,500 Salary Rangeⓘ)

' Employers shoulder the entire contribution if the kasambahay earns below '5,000.
For '5,000 and above, contributions are shared between employer and employee.

"- Real-Life Example

'(c)1/4 MaricelTMs Story " Employer in Pasig

Maricel employed Liza, a house helper earning '6,000 monthly. LizaTMs EDD was in June 2026.

• Maricel filed MAT-1 in March 2026.
• Paid full maternity pay of '21,000 upon leave.
• Filed MAT-2 in July 2026.
  ... Reimbursement credited to MaricelTMs bank account after 14 days.

Common Mistakes to Avoid

Filing MAT-1 after childbirth (claim will be denied)
PRNⓘ err?" title="A contribution gap occurs when no contribution appears for a specific month in the member's My.SSS record. Gaps can be caused by employer non-remittance, delayed postings, PRN err?">Missing contributionsⓘ within qualifying period
Uploading unclear documents
Employer not registered as Household Employer
Using inactive disbursement accounts

... Always double-check before filing to avoid delays.

' How to Receive Reimbursement

Reimbursement is released through the Disbursement Account Enrollmentⓘ Module (DAEM) in My.SSS.

Accepted accounts:

• Bank (BPI, LandBank, UnionBank, etc.)
• GCash (if verified with SSS)

Once MAT-2 is approved, SSS will send:

• Email notification
• SMS confirmation
• Credit within 7"14 working days

Quick Summary (TL;DR)

" FAQs: SSS Maternity Benefit for Kasambahays 2026

1. Who pays the SSS contribution for a kasambahay?
The employer pays the full amount if salary is below '5,000; otherwise, itTMs shared.

2. Can a kasambahay file the claim herself?
No. The household employer must file MAT-1 and MAT-2.

3. What happens if MAT-1 is not filed?
The benefit will not be granted even if the kasambahay has contributions.

4. How can employers track claim status?
Through My.SSS ' Inquiry ' Maternity Benefit.

5. What is the maximum maternity benefit?
Up to '70,000 for regular delivery and '80,000 for solo parents (with Solo Parent ID).

Final Thoughts

The SSS Maternity Benefit is not only a right for kasambahays " itTMs also a reflection of a responsible employerTMs care and compliance.

By ensuring your kasambahay is registered, contributions are paid, and forms are filed correctly, you help her receive the support she deserves during one of lifeTMs most important moments.

Before filing, verify your kasambahayTMs eligibility using the SSS Maternity Benefits Calculator to guarantee accuracy and peace of mind.

Empowered employers make empowered households " and that starts with knowing how to do things right. -