Yes — resigning from your job does not automatically disqualify you from receiving SSS maternity benefits. As long as you meet the contribution and notification requirements at the time of the contingency (childbirth, miscarriage, or emergency termination of pregnancy), you remain fully entitled to the benefit even if you are no longer employed when you give birth or when you file the claim.

This is one of the most misunderstood aspects of SSS maternity benefits. Many women believe that resignation forfeits their right to the benefit, but the Social Security Act of 2018 (RA 11199) as amended by the Expanded Maternity Leave Law (RA 11210) and SSS Circulars explicitly allow separated, unemployed, or voluntarily contributing members to claim the benefit.

Legal Basis

Republic Act No. 11199 (Social Security Act of 2018) – governs the SSS maternity benefit.
Republic Act No. 11210 (105-Day Expanded Maternity Leave Law) – increased the benefit duration and explicitly covers female workers regardless of employment status at the time of contingency, provided contribution requirements are met.
SSS Circular No. 2022-006 and subsequent issuances – clarified that separated members (including those who resigned) are entitled to the benefit may file directly with the SSS.

The law focuses on contributions made before the semester of contingency, not on your employment status at the exact moment of delivery or filing.

Eligibility Requirements (Same for Employed or Separated Members)

To qualify for SSS maternity benefit, you must satisfy all of the following:

Membership Status
You must be an active SSS member (employed, self-employed, voluntary, or OFW) at the time of the contingency or within the qualifying period.
Contribution Requirement
- At least three (3) monthly contributions within the 12-month period immediately preceding the semester of childbirth/miscarriage.
  Example: If delivery is in March 2026 (1st semester 2026), the 12-month period is January 2025 to December 2025. You must have at least three posted contributions in that period.
Notification Requirement
- For live birth: SSS must be notified of the pregnancy (preferably at least 60 days from conception, but late notification is accepted with justification).
- For miscarriage/ECT: notification within the prescribed period.
Contingency Covered
- Live birth (normal or cesarean)
- Miscarriage or emergency termination of pregnancy
- Stillbirth

Important: Even if you resigned before conception, during pregnancy, or even after delivery, the benefit remains claimable as long as the contribution test is passed.

Common Scenarios and Answers

Scenario 1: You resigned while pregnant (before delivery)
→ YES, you can claim.
You are now classified as a separated member. You file the claim directly with SSS (not through your former employer). The benefit will be paid directly to your bank account or via other SSS payout methods.

Scenario 2: You resigned after delivery but before filing the claim
→ YES, you can still claim.
Many women go on maternity leave, receive salary from employer (or SSS reimbursement), then resign shortly after. The SSS benefit is yours by right and is separate from whatever settlement you had with your employer.

Scenario 3: You were employed, got pregnant, resigned, and became a voluntary member
→ YES. If you continued paying as voluntary member and met the three-contribution rule, you qualify.

Scenario 4: You resigned more than a year before delivery
→ Likely NO, unless you continued paying contributions as a voluntary member or were covered as self-employed/OFW with sufficient contributions in the 12-month period.

Scenario 5: You resigned due to pregnancy complications (constructive dismissal or health reasons)
→ YES, and you may have additional labor claims against the employer, but that can be pursued separately with NLRC.

Benefit Amount and Duration (as of 2025)

Type of Delivery/Contingency	Number of Paid Days	Solo Parent Additional Days	Total Possible
Normal delivery or Cesarean section	105 days	+15 days	120 days
Miscarriage or emergency termination	60 days	None	60 days

Computation:
Daily Maternity Allowance = Average Monthly Salary Credit (AMSC) ÷ 180 × number of days
or more accurately:
Total Benefit = (Average Daily Salary Credit) × number of days
where Average Daily Salary Credit = Highest 6 months MSC within last 12 months before semester ÷ 180.

Maximum MSC as of 2025 is ₱30,000 (thus maximum daily credit ≈ ₱1,000, maximum benefit for 105 days ≈ ₱105,000; for 120 days ≈ ₱120,000).

How to File as a Separated/Resigned Member

Notify SSS of your pregnancy (if not yet done)
- Submit Maternity Notification (SSS Form MAT-1) + proof of pregnancy (ultrasound, medical certificate)
- Can be done online via My.SSS or at any SSS branch
After delivery/miscarriage
Submit Maternity Benefit Application (SSS Form MAT-2) with supporting documents:
- For live birth:
  – Certified true copy of birth certificate (PSA)
  – SSS MAT-1 (already filed)
  – UMID or SSS biometrics ID
  – Proof of contributions (if needed)
- For miscarriage
  – Medical certificate/hospital abstract
  – D&C certificate if applicable
File directly at any SSS branch or online via My.SSS portal (recommended).
Processing time: Usually 5–30 days if complete. Benefit is credited to your UMID-ATM or bank account via PESONet.

Prescription Period

You have 10 years from the date of contingency to file the claim (Article 1153 of the Civil Code as applied by SSS). However, file as soon as possible to avoid complications.

Special Cases

Solo parent – entitled to additional 15 days. Must present Solo Parent ID or barangay certification.
Multiple births (twins, triplets) – still only 105/120 days (not multiplied).
Allocation to spouse/alternate caregiver – Up to 7 days of the maternity leave may be allocated under RA 11210, but the SSS cash benefit remains with the female member.
OFW mothers – same rules apply; file through Philippine embassy or directly upon return.
Unpaid contributions at time of resignation – SSS will deduct any outstanding employer/employee share from your benefit.

Key Takeaways

Resignation does not cancel your SSS maternity benefit.
What matters is having at least three contributions in the 12 months before the semester of delivery.
Separated members file directly with SSS.
The benefit is yours by right under the law — no employer can withhold it, and resignation does not forfeit it.

If you meet the contribution requirement, file your claim with confidence. Thousands of women successfully claim their SSS maternity benefit every year even after leaving employment. The law was designed to protect motherhood, not to punish women for changing jobs or prioritizing family.