July 2026 EDD: SSS Maternity Qualifying Period (With Example)

If your expected delivery date (EDD) is July 2026, your Benefit Eligibilityⓘ refers to the conditions a member must meet to qualify for the SSS maternity benefitⓘ. The core requirement is payment of at least three monthly contr?" title="Maternity Benefit Eligibility refers to the conditions a member must meet to qualify for the SSS maternity benefit. The core requirement is payment of at least three monthly contr?">SSS maternity eligibilityⓘ depends on whether you paid at least 3 valid SSS contributions during the correct qualifying months.

For July 2026 delivery, the SSS qualifying periodⓘ is April 2025 to March 2026. This page shows the exact breakdown and a simple example so you can confirm eligibility quickly.

' Not sure? Use the SSS Maternity Qualifying Period Calculator 2026 to verify instantly using your exact due date.

(R) Step 1: Identify Your Semester of Contingency

The semester of contingencyⓘ is the six-month period made up of:

• The quarter of delivery, and
• The quarter immediately before it

For an EDD in July 2026:

• Quarter of delivery: Q3 2026 (July"September)
• Previous quarter: Q2 2026 (April"June)

... Semester of contingency: April 2026 " September 2026

These six months are excluded when computing your qualifying period.

" Step 2: Count 12 Months Backward

From the first month of the semester (April 2026), count 12 months backward.

April 2025 " March 2026

... Qualifying Period: April 2025 to March 2026
You must have at least 3 valid SSS contributions within this period to qualify for maternity benefits.

" July 2026 Delivery Summary

' Tip: Contributions paid from April"September 2026 will not count for this pregnancy. Only payments from April 2025 to March 2026 matter.

Common Mistakes to Avoid

1. Including semester months (April"September 2026)
2. Paying contributions late or retroactively
3. Using an incorrect EDD
4. Failing to submit maternity notificationⓘ before delivery

' TL;DR

• EDD: July 2026
• Semester of Contingency: April"September 2026
• Qualifying Period: April 2025 " March 2026
• Required Contributions: At least 3
• Confirm instantly using the SSS Maternity Qualifying Period Calculator 2026

" FAQs

What if my delivery date changes?
SSS will recompute using your actual delivery date.

Can I pay missed months later?
No. Retroactive payments are not accepted for maternity qualification.

Does switching to voluntary affect eligibility?
No, as long as you paid valid contributions within the qualifying period.

Final Reminder

For July 2026 delivery, make sure you paid SSS contributions from April 2025 to March 2026.

Double-check instantly using the SSS Maternity Qualifying Period Calculator 2026.