Starting February 2026, the Social Security System (SSS) of the Philippines will implement a maternity benefit increase, offering higher financial support to women during childbirth and recovery.
This new rule is part of the government’s broader mission to promote women’s welfare and improve social protection systems for Filipino workers.
The changes apply to employed, voluntary, self-employed, and OFW members, significantly enhancing the existing SSS maternity benefit scheme.
Whether you’re expecting a baby or planning for the future, here’s everything you need to know about the updated benefit structure, eligibility criteria, and application process.
Who Is Eligible for the 2026 SSS Maternity Benefit?
To qualify for the enhanced maternity benefit, members must meet the following requirements:
- Must have paid at least three (3) monthly SSS contributions within the 12 months immediately preceding the semester of childbirth, miscarriage, or emergency termination.
- Must notify both SSS and the employer (if applicable) of the pregnancy.
- Maternity leave must be taken according to the Expanded Maternity Leave Law (105 or 120 days depending on status).
These rules apply to:
- Employed Women
- Self-Employed
- Voluntary Members
- Overseas Filipino Workers (OFWs)
Breakdown of the New SSS Maternity Benefit (February 2026)
The benefit amounts have been increased across all categories, providing greater assistance in light of rising medical costs and daily living expenses during maternity leave.
New Maternity Benefit Table 2026
| 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 leave) | Up to PHP 80,000 | Up to PHP 95,000 |
| Miscarriage/Emergency Term. | Up to PHP 30,000 | Up to PHP 40,000 |
The benefit computation remains based on the Average Daily Salary Credit (ADSC), but with the maximum cap lifted, allowing higher earners to receive fuller support.
How to Apply for the SSS Maternity Benefit in 2026
With the expansion of SSS’s digital services, applying for maternity benefits has become more efficient. Here’s a simple step-by-step guide:
- Log in to your My.SSS portal.
- Ensure your contributions are updated and reflect the qualifying period.
- Notify SSS of the pregnancy at least 60 days before the expected delivery.
- Upload required documents, including medical records and maternity notification forms.
- Await digital confirmation and follow the instructions for benefit disbursement.
Employers are also obligated to certify leaves and facilitate the process, ensuring no female employee is discouraged from availing the benefit.
Why the 2026 Increase Matters
The SSS maternity benefit increase is not just about higher payouts—it reflects a significant move toward gender equity and support for working mothers. The policy aims to:
- Provide better financial stability during maternity leave.
- Encourage more women to stay in formal employment.
- Align SSS coverage with private sector maternity support.
- Address growing healthcare and childcare costs in the Philippines.
The SSS Maternity Benefit Increase in February 2026 is a game-changer for women across sectors. With higher payout amounts, easier application processes, and inclusive eligibility, the new system provides better financial protection for Filipino mothers.
If you’re expecting a child in 2026, make sure your SSS records are up to date and prepare to take full advantage of the upgraded support.
FAQs
What is the maximum maternity benefit amount in 2026?
Up to PHP 95,000 for solo parents and up to PHP 90,000 for caesarean deliveries under the new rules.
Who qualifies for the updated SSS maternity benefit?
All employed, self-employed, voluntary, and OFW members who have made at least 3 contributions in the 12 months before the semester of delivery.
When will the increase take effect?
The new benefit rates apply to deliveries on or after February 1, 2026.