Starting February 2026, the Philippine Social Security System (SSS) will implement a significant increase in maternity benefits for qualified members. This move is part of the government’s wider initiative to strengthen financial support for women workers, especially during childbirth and recovery.
The benefit upgrade applies to a wide range of members, including employed, voluntary, OFWs, and self-employed women.
With childbirth costs steadily rising, this update comes as a much-needed relief, ensuring that expectant mothers can maintain a stable income during maternity leave. Below, we explain who qualifies, how much you can get, and how to claim the new SSS maternity benefit.
Who Is Eligible for the New SSS Maternity Benefit in 2026?
To qualify for the enhanced maternity benefits under SSS 2026 guidelines, members must meet the following conditions:
- Must have paid at least three monthly contributions within the 12 months before the semester of delivery, miscarriage, or termination.
- Must notify SSS and their employer (if applicable) of the pregnancy.
- Must take maternity leave as outlined under the Expanded Maternity Leave Law.
- Applies to:
- Employed members
- Self-employed individuals
- Voluntary members
- OFWs (Overseas Filipino Workers)
These requirements ensure that women engaged in various employment types can receive adequate support.
New SSS Maternity Benefit Amounts for February 2026
The SSS maternity benefit increase reflects today’s cost of living and aims to offer greater relief to working mothers. The maximum benefit cap has been raised, allowing higher earners to receive more significant support.
Current vs February 2026 SSS Maternity Benefits
| Category | Current Benefit (2025) | New Benefit (Feb 2026) |
|---|---|---|
| Normal Delivery (105 days) | Up to PHP 70,000 | Up to PHP 85,000 |
| Caesarean Delivery | Up to PHP 70,000 | Up to PHP 90,000 |
| Solo Parent (120 days) | Up to PHP 80,000 | Up to PHP 95,000 |
| Miscarriage or Emergency Termination | Up to PHP 30,000 | Up to PHP 40,000 |
The calculation is still based on the Average Daily Salary Credit (ADSC), but the removal of the previous cap allows better earnings coverage, especially for women in higher-salary brackets.
Key Impacts for Working Mothers in the Philippines
This updated benefit isn’t just a numbers change—it brings substantial real-life improvements:
- More financial stability during postnatal recovery
- Boosts workplace retention for pregnant employees
- Encourages women to remain in formal employment
- Supports solo parents with longer leave and higher payouts
The government aims to create a safer, healthier, and financially supported environment for all women balancing career and motherhood.
How to Claim the Updated Maternity Benefit
The application process has become easier with digital integration. Here’s how to claim your SSS maternity benefit in 2026:
Steps to Follow:
- Log in to your My.SSS portal
- Confirm your SSS contributions are updated
- Notify the SSS at least 60 days before expected delivery
- Upload required medical records and pregnancy documentation
- Await digital confirmation and track payout via My.SSS
For employed members, the employer must certify the maternity leave and help process the benefit.
Why the SSS Maternity Benefit Is Increasing in 2026
This increase responds to multiple factors:
- Inflation and higher healthcare costs
- Push for stronger women’s welfare policies
- Need to align with global maternity benefit standards
- Actuarial review to ensure fund sustainability while expanding coverage
The SSS aims to balance benefit enhancement while maintaining the long-term viability of the Maternity Benefit Fund.
The SSS maternity benefit increase in February 2026 marks a major milestone in the Philippines’ effort to support working mothers and expectant women.
With higher payouts, broader coverage, and a streamlined application process, this update ensures that every eligible woman receives the financial support she needs during a critical time.
If you’re expecting or planning to start a family, now is the perfect time to review your SSS contributions, update your details on the My.SSS portal, and ensure you’re fully prepared to take advantage of these enhanced benefits.
FAQs
When will the new SSS maternity benefit take effect?
The increased maternity benefit will be implemented starting February 2026 for eligible SSS members.
Who qualifies for the new benefit?
Employed, voluntary, OFW, and self-employed SSS members who have paid at least three contributions in the last 12 months before the semester of delivery or miscarriage.
How much can I receive under the new benefit?
Depending on the type of delivery, qualified members may receive up to PHP 85,000 to PHP 95,000, depending on their salary and situation.