Home ยป OFW Mom’s Guide: How to claim SSS Maternity Benefits [Updated 2020]

OFW Mom’s Guide: How to claim SSS Maternity Benefits [Updated 2020]

how to claim sss maternity benefit (1)

Being an Overseas Filipino Worker ย (OFW), you can still claim SSS maternity benefits if you give birth abroad. However, there are conditions that you must comply to.

In this article, I write about how to claim SSS maternity benefits if you give birth outside the Philippines and how to compute your SSS maternity benefits. They are solely based on my own experience and I may not cover other special cases.

Table of Contents:

Below is an infographic that shows a brief overview of the process of claiming SSS maternity benefits for OFW. The succeeding sections explain the details.

How to claim SSS Maternity Benefit as an OFW (plus use our benefits calculator!)


What is SSS maternity benefits for OFW?

Any female that is registered as an SSS member can receive the SSS Maternity benefits when you give birth or had miscarriage.

As an OFW, you can avail of this maternity benefit without any work-related conditions. Whether you are employed or not OR receiving paid leave or not, you can claim this benefit under the OFW member coverage.

Since you are based outside the Philippines, you are by default classified by SSS as an OFW member. How much SSS contribution you pay to SSS every month depends on you and is voluntary. However, if you want to avail this maternity benefit, you must pay a specific amount at a specific period of time. Continue reading to find out more.

Things to do BEFORE you claim SSS maternity benefits for OFW

1. Make sure that your SSS membership is active.

If you were employed in the Philippines before you left abroad, it is most likely that you have an SSS membership. But if you left without continuing your contributions, it may become inactive. Make sure that your SSS membership is active before you apply for a maternity benefit. To do this, log on to the SSS website.

At the same time, make sure that your personal information is updated especially your married name and self-employed status e.g. OFW. You can update them in your online account.

If you don’t have an online SSS account yet, you can register for one. To find out how, read this article: SSS online membership account guide.

2. Pay at least three (3) monthly contributions during the 12-month period prior before your semester of contingency

You can do this by paying at any international remittance centres. Or you can pay your monthly contributions online via UnionBank or any BancNet online portals.

You can pay contributions monthly OR you can make bulk payments.

For OFWs, the schedule of payments are as follows:

  • To make payments for the months of January to December of a given year, you must pay within the same year.
  • To make payments for the months October to December of a given year, you must pay on or before the 31st of January of the next year.

Within the 12-month period prior to your semester of contingency, you should have made at least three (3) monthly contributions.

Now what is semester of contingency?

Semester of contingency is the estimated period of time that you might give birth. One semester is basically two (2) consecutive quarters in a year. Look at the following image below:

SSS Maternity Benefit and the semester of contingency

Things to do while you are pregnant

1. Know if you are eligible for SSS maternity benefits for OFW

Before submitting your maternity notification, check first if you are eligible to claim maternity benefit via your SSS online account.
To do this, log on to your SSS online account. From the main menu, select E-Services > Member Inquiry > Eligibility> Sickness/ Maternity.

2. Notify SSS of your pregnancy

You can notify SSS of your pregnancy in two ways:

  • Going to the nearest SSS branch
  • Doing it online via the SSS website

Deadline for submission/ notification is not later than 60 days from the date of conception but not later than the delivery date. Now what does that mean? The date of conception is the day on which baby is conceived. Scientifically speaking, that is the day on which the father’s sperm fertilised the mother’s egg. When you know your date of conception, that is the earliest you can notify SSS. But that is not realistic. So the best practical solution is simply this: As soon as you learn you’re pregnant, you can go ahead and lodge a maternity notification. BUT you cannot lodge a notification after you give birth.

For example, you found out you’re pregnant at 6 weeks in. From this period of time until you actually give birth is the perfect time to lodge a maternity notification.

2a. Going to the nearest branch

If you choose to notify SSS of your maternity personally, you must submit the following requirements:

  • SSS/ UMID card
  • Maternity Notification Form SSS Form MAT-1 (can be downloaded in the SSS website)
  • Proof of pregnancy bearing the Expected Date of Delivery such as ultrasound report

If you cannot do this personally, you may ask a representative to do this for you and submit the documents. Take note that additional documents may be required from your representative.

2b. Notifying SSS through your online account

If you choose to notify SSS of your maternity through online, do the following:

  • Log on to your online SSS account.
  • From the main menu, select E-Services > Submit Maternity Notification.
  • If your submission is successful, you should receive a confirmation email from SSS.
  • You can also check on your SSS online account under E-Services > Member Inquiry > SMEC> Maternity Notification.


Things to do to claim your SSS maternity benefit AFTER you give birth

You can claim your SSS maternity benefit within the next ten years.
To claim your maternity benefit, go to your nearest SSS branch and submit the following documents:
Main Requirements e.g. Normal Delivery:

  • Maternity Reimbursement Form SSS Form MAT-2 (can be downloaded in the SSS website)
  • OB History Form to be completed and signed by your OB Gyne
  • Report of Birth from the Philippine Embassy
  • Duly-received Maternity Notification Form SSS Form MAT-1 or formal letter of explanation of non-notification/ late filing
  • Photocopy of SSS/UMID card OR passport and work pass
  • If valid IDs are under your maiden name, photocopy of marriage contract (must be registered copy or NSO-issued)

Additional requirements in case of delivery through cesarean section:

  • Operating Room Record or In-patient Discharge Summary
  • Photocopy of hospital bills

After submitting these requirements, you can expect the check to be sent to your home address or the address you provided to SSS. It can take up to one month. Upon receiving the check, you can encash it at your bank.


How to calculate your SSS maternity benefit

If you don’t want to manually compute the numbers, just use the calculator we created for you.

For those who give birth January 2020 onwards, you can receive a maximum maternity benefit of P70,000 if you declare P20,000 as your maximum monthly salary credit. Read more how this is calculated.

1. Identify your Monthly Salary Credit (MSC)

How much you will benefit amount depends on your Monthly Salary Credit (MSC) during the 12-month period preceding the semester of contingency. Now, what is Monthly Salary Credit. It simply is your salary amount recognized by SSS.

Look at the table below. If you have a salary of 6000 pesos, then you belong in the bracket of below 8,250 and your MSC is 8000. See first row. If your salary is 30,000 then you belong to the 19,750 above bracket and your MSC is 20000. See last row. Based on that, look at the TOTAL CONTRIBUTION column, that is the amount you should contribute to SSS monthly.

For example, your salary belongs to the bracket in (1). That means, your monthly payments should be 2190 pesos or 2160 pesos.

Honestly, I think you can disregard looking at the columns and just pay off the maximum amount. We don’t have Philippine-based employers who supplement our SSS payments, so this table does not practically apply. And remember, you can only get the maximum amount of 70k pesos as maternity benefit if your Monthly Salary Credit is 20000 pesos.

2. Multiply your MSC by 6:

20,000 x 6 = 120,000

3. Divide the result by 180 days:

120,000/180 = P667 (rounded off)

This corresponds to the daily rate you would have received during the 180 days of your contingency.

4. Lastly, multiply by 105 days.

It used to be 60 days for normal delivery, and 78 days for cesarean. But in the 2019 changes implemented by SSS, it is now 105 days for both deliveries.

667  x 105 = 70,000 pesos This is your benefit amount

An additional 15 days is awarded to a solo parent. So:

 667 x 120 = P80000 if solo parent

If you don’t want to manually compute the numbers, just use the calculator we created for you below.

Use our calculator to know your SSS maternity benefit amount

The following calculator automatically calculates the benefit amount based on your input. No need to manually compute, just answer the two questions below.

That’s it. How about you mommies or mommies-to be, were you able to process your SSS maternity benefit?

32 thoughts on “OFW Mom’s Guide: How to claim SSS Maternity Benefits [Updated 2020]”

  1. Pingback: OFW Mom's Guide: How to claim Philhealth maternity benefit if you give birth abroad - Mommy Cathy

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    1. Hi Anjie, if I remember correctly it was less than a month. It was quick as long as you use PH address for the check delivery.

  3. Hello!
    I already submitted my Maternity Notification to SSS via online. What should I expect next? Will they be sending a confirmation e-mail that they received the notification or should I just wait until delivery to claim my SSS Maternity Benefit? I was waiting for a confirmation e-mail and the next steps to take but haven’t received one yet. Appreciate your inputs!

    1. Hi Bella, you should receive a confirmation email from SSS. The most important thing to remember is the TRANSACTION NUMBER. Email goes like this:
      Dear Ms. xxxxxx,
      You have successfully submitted your Maternity Notification to SSS. Please take note of your transaction details below:
      Transaction Number: MNM-xxxxxx
      Expected Delivery Date: 0x/0x/20xx
      Thank you for using the SSS Website.
      This is a system-generated e-mail. Please do not reply.

      1. Thanks Ms. Cathy. I checked it again and what happened was my first submission was unsuccessful that is why I didn’t receive a confirmation e-mail. I notified SSS again and this time I got a confirmation e-mail that my Maternity Notification was received by the system, with a Transaction Number included. I am wondering what are the next steps. Will I just wait until delivery then submit the needed documents to SSS when I get back to the Philippines to claim the benefit? Or is it possible to submit the documents online to SSS and have the cheque sent to my Philippine address?
        Thanks a lot for your help!

        1. As long as SSS is officially notified of your pregnancy, you’re good. You submit the other documents only after giving birth. You can ask your relatives to submit the documents at any SSS branch. The check is sent to your nominated PH address. Hope this helps!

  4. Hello mam cathy, SSS wants the birth certificate of the child certified. Is it done in the phil embassy abroad? Like here in US?

    1. Hi Mae, make sure to submit a Report of Birth in your PH embassy. If SSS wants the birth certificate certified, PH embassy should be able to help you with that too. Personally, I was not asked by SSS or PH embassy to submit a birth certificate that’s certified by any agency, just the certificate itself.

  5. Blessed Day Ms. Cathy,
    I just want to ask, what Bank should I provide in the Maternity Benefit Application Form if I’m based in other country? I don’t have any bank account in Philippines, is it possible to give the Bank account details of my siblings/parents?
    Thank you so much.
    God Bless.

    1. Hi Kathe, I don’t remember giving bank acct details in the application form. SSS pay you via check and you (or your siblings/ parents) can encash it any Philippine bank. Hope this helps!

  6. Hi Ms. Cathy,
    My EDD is on feb.24 or March 1st week this year, my last payment was 2014. If im going to pay for january-march this year. Am i eligible for maternity benefit?
    Thanks and Gobless!

    1. Hi Loraine, you should have made at least 3 monthly contributions in Oct 2016 – Sep 2017.
      EDD: Feb 2018
      Period of contingency: Oct 2017 – March 2018
      12 months before contingency period: Oct 2016 – Sep 2017
      My calculations may be wrong. Better go to your nearest SSS branch to see if they can further assist you ๐Ÿ™‚

  7. Hello maam cath, ask ko lng po kung anu pwede gwin kc buntis ung hipag kong nasa dubai. Sss member nman po sya.pero uui po sya dto sa pinas, pnu po sya mg fa file ng maternity benifits nia maam cath.

  8. ma’am i have a question regarding late filing of mat 1 .my sister in law gave birth abroad last july 2014 sa japan.since malayo nmn cxa at hindi cxa makakauwi gusto nya gawin akong SPA to claim her maternity benefits..what is the requirements needed po and what is the step by step process po.thanks po.waiting for your reply ma’am cath

    1. Hi Maricris, if she lodged a maternity notification before she gave birth, she (or any representative) can submit requirements and claim the benefit at the SSS branch. You can check out our new infographic where the process is laid out simpler and visually.

  9. Hello Ms. Cathy, itatanong ko lang sana kung maari pa ba ako maka avail ng maternity benefits hindi kasi ako nakapaghulog mula taon ng 2016 ngayon po ay due date ko sa June 2018.
    Kung sakali bang mag start na ako magbayad ng contributions this year lang (Jan 2018 up to date) pwede pa kaya ako mag apply ng maternity benefits.
    Salamat ng marami

    1. EDD: June 2018
      Period of contingency: February 2018 – July 2018
      12 months before contingency period: February 2017 – January 2018
      Hi Mildred, dapat nakabayad ka at at least 3 monthly contributions from Feb 2017 – Jan 2018.
      My calculations maybe wrong. Better go to your nearest SSS branch to see if they can assist you further ๐Ÿ™‚

  10. Hi Ms. Cathy!
    I just notified SSS via online yesterday and received a confirmation thru email from sss about the notification.
    My question is, ito na ba yung final? I mean accepted naba or should I wait for another email pa that my notification is already accepted? I made my notification late kasi, I am 5 months already when I notified them.
    Thank you!

    1. Hello Anj, if your submission is successful, you can also check on your SSS online account under E-Sevices > Member Inquiry > SMEC> Maternity Notification.
      Take note of the transaction number. You can call SSS to verify further.

  11. Hi Cathy,
    I am an OFW and gave birth in Jan 22. had my dad file for me the notification in the Phils. But for the reimbursement, they asked me to use the form for ofw and not for the employed which is not available in the sss website. Do you have a copy of it? Also another form they require is a document signed by OB on the numbsr of pregnancies which I also don’t see on the website. Appreciate it if you have any idea on this and how I should go about it. We are going home this week and plan to complete the submission thanks!

    1. Hi Rizza,
      Maternity Reimbursement Form SSS Form MAT-2 –> can be downloaded in the SSS website, link is also in this blogpost. If they implemented a new special form for OFW, I don’t have copy of it.
      OB History Form to be completed and signed by your OB Gyne –> form is given when you file the maternity notification, ask your dad if he received one.
      Hope this helps.

  12. Hi Ms. Cathy,
    Isa po akong ofw i gave birth po nong 2014 tapos ngfile po ako maternity benefits last january 2018 bakasyon ko po sa pinas for 2months kababalik ko lang po abroad, ang problem ko po kc dumating na yong cheke for pick-up na sa sss branch kaso nakaalis na po ako d na umabot, ibibigay po kaya yon sa asawa ko?? ano pong requirements ang kelangan sa bank po kc wla naman problema yong pgpapa_encash kc deposit nalang po sa account ko?
    Thank you!!

  13. Hi Cathy,
    I’m a voluntary member, I’m here abroad and regularly paying sss contribution but my monthly salary credit is 3000 pesos only. Am I qualified for the maternity benefit?
    Thanks a lot.

    1. Hi Judy,
      For OFW or self-employed, the minimum MSC is P5000, maximum P16,000. You can learn more about MSC on the SSS website.

  14. Hi! Maam Cathy,
    I am currently in Norway and I sent my maternity notification online and received confirmation from SSS that my maternity notification is successfully submitted. Now I am wondering what is the next thing to do? Should I wait until I give birth and send the required documents? Should I will receive email again from SSS on requirements needed? Where I can obtain that ob history form?
    Thanks in advance.

  15. Hi!I’ve been lodge my maternity notifications last March so it means im 3 months preggy because I didn’t know im entitle wth benefits.My due date in Aug.


    I give birth in New York last March 12, 2018 and I did not send any notification to SSS for my pregnancy and now Im back to Abu dhabi where I am working and when I start my work my collegue informed me to process SSS claim and when I check the requirements I don’t have the prior notice to SSS and the form sign by my OB what I have is only copy signed by my OB the insurance claim and the receipts and hospital billing.
    Please advise me on what to do to process the claims.

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