That was one thing we failed to do again for my last pregnancy: collect social security benefits pertaining to maternity. Before, I was enrolled with GSIS and they did not give maternity benefits to their members. SSS, however, does. I remember, a Mom who gave birth around the same time I did got P15,000 in maternity benefits.
We could have really used a similar sum this time, though I know a lot will depend on my employment status and the premiums I pay. Still, I haven't become an SSS self-employed member ever since I quit my government job. The most we did was have me declared as hubby's dependent in his Philhealth and TIN.
I wonder though if SSS offers disability benefits to its members. Maybe it isn't yet late for me and it's still wise to become a member.