SSS Maternity Questions & Answers

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Voluntary Contribution / Payment Deadline EDD: April 2027
Question from Cathy
Asked Aug 8, 2026

EDD ko po April 2027 at Voluntary member po ako. Sa calculator, inilagay kong paid/posted ang August 2026, September 2026, October 2026, November 2026, and December 2026. Gusto ko pong malaman kung maaari ko pang bayaran ang August 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Pwede ba doblehin ang hulog ko this month of August? kasi na missed ko ang month of july.

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Answer from SSS Maternity Calculator Team: Answered Aug 8, 2026

Yes mommy 😊 Pwede mo pa habulin ang July 2026—hindi kailangan doblehin ang August. Bayaran mo ang July separately on or before end of August 2026.

For EDD April 2027, qualifying period mo is January–December 2026. December 2026 ang last qualifying month, pero para mabilang sa maternity benefit, make sure paid na ang contributions on or before end of December 2026, bago magsimula ang semester of contingency.

Check here mommy:
https://sssmaternitybenefitscalculator.com

April 2027 guide:
https://youtu.be/CC5tF-b0K40?si=47HvGO2y4FFDmEmh

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Employee Contribution / Payment Deadline EDD: February 2027
Question from Sherlyn
Asked Aug 8, 2026

EDD ko po February 2027 at Employee member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Gusto ko pong malaman kung maaari ko pang bayaran ang August 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: May hulog ang employer ko noong may at july wala po ako hulog ng june

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Answer from SSS Maternity Calculator Team: Answered Aug 8, 2026

Yes mommy 😊 For EDD February 2027, qualifying period mo is October 2025–September 2026.

Since Employee ka, employer po ang magre-remit ng contributions. If posted na ang May at July, pwede maging 3rd contribution ang August 2026 once remitted by your employer. Yung missing June, follow up din sa employer—hindi dapat mawala ang benefit rights mo dahil lang sa employer remittance issue.

👉 September 2026 ang last qualifying month, at regular employer due date nito is on or before end of October 2026.

Check here mommy:
https://sssmaternitybenefitscalculator.com

February 2027 guide:
https://youtu.be/FvI2gVRmKEM?si=ejIDbagMWfc4NPn0

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Voluntary Contribution / Payment Deadline EDD: February 2027
Question from Rochelle
Asked Aug 8, 2026

EDD ko po February 2027 at Voluntary member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Gusto ko pong malaman kung maaari ko pang bayaran ang July 2026, August 2026, and September 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Pwede p Ako maghulog kung last na hulog ko is 2013 pa

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Answer from SSS Maternity Calculator Team: Answered Aug 8, 2026

Yes mommy 😊 Kahit 2013 pa ang last hulog mo, pwede ka ulit maghulog as Voluntary using PRN.

For EDD February 2027, qualifying period mo is October 2025–September 2026. Kailangan at least 3 contributions, so pwede mong targetin ang July, August & September 2026.

👉 September 2026 ang last qualifying month. Para mabilang sa maternity mo, make sure mabayaran ang July–September on or before end of September 2026 dahil payments made within the semester of contingency hindi na counted.

Check here mommy:
https://sssmaternitybenefitscalculator.com

February 2027 guide:
https://youtu.be/FvI2gVRmKEM?si=ejIDbagMWfc4NPn0

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
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Voluntary Contribution / Payment Deadline EDD: November 2026
Question from Julien
Asked Aug 7, 2026

EDD ko po November 2026 at Voluntary member po ako. Sa calculator, inilagay kong paid/posted ang January 2026, February 2026, March 2026, April 2026, May 2026, and June 2026. Gusto ko pong malaman kung maaari ko pang bayaran ang May 2026 and June 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: NOV 2026 ang EDD ko pero di ko pa nahuhulugan ang May at June 2026. Pwede ko pa bang habulin ang contribution ko para maconsider ito sa computation ng matben ko? Pasok pa ba kahit ngayon pa lang ako magcontribute for May at June 2026?

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Answer from SSS Maternity Calculator Team: Answered Aug 8, 2026

Mommy, for EDD November 2026, ang qualifying period mo ay July 2025–June 2026. 😊

Ang June 2026 ang last qualifying month, at for Voluntary members, ang April–June quarter was due on or before end of July 2026. Since August na ngayon, hindi na po puwedeng habulin ang May at June 2026 para ma-count.

Pero if paid/posted naman ang January–April 2026, may at least 3 contributions ka na, so possible ka pa ring qualified.

Check your estimate here:
https://sssmaternitybenefitscalculator.com

November 2026 guide:
https://youtu.be/gcbi5XMtmeQ?si=IqRNUneGHZ2V5A6q

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Voluntary Contribution / Payment Deadline EDD: February 2027
Question from Carmi
Asked Aug 7, 2026

EDD ko po February 2027 at Voluntary member po ako. Sa calculator, inilagay kong paid/posted ang July 2026, August 2026, and September 2026. Gusto ko pong malaman kung maaari ko pang bayaran ang July 2026, August 2026, and September 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Pwede ko pa po ba mahulugan ang july? EDD ko po is feb. 2027?

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Answer from SSS Maternity Calculator Team: Answered Aug 8, 2026

Yes mommy 😊 For EDD February 2027, ang qualifying period mo ay October 2025–September 2026.

Pwede pa ang July 2026, basta mabayaran on or before end of August 2026. If July–September ang target mo, make sure complete ang 3 months.

Ang September 2026 ang last qualifying month, pero para safe na mabilang sa maternity benefit, bayaran ito on or before end of September 2026.

Check your qualification here:
https://sssmaternitybenefitscalculator.com

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Self-Employed Contribution / Payment Deadline EDD: April 2027
Question from Nikki
Asked Aug 6, 2026

EDD ko po April 2027 at Self-Employed member po ako. Sa calculator, inilagay kong paid/posted ang August 2026, September 2026, October 2026, November 2026, and December 2026. Gusto ko pong malaman kung maaari ko pang bayaran ang August 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Pwede parin ba akong maka avail ng maternity kahit di ko nahulugan yung previous month? And currently lang nalaman ko na pregnant ako.

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Answer from SSS Maternity Calculator Team: Answered Aug 7, 2026

Hi mommy 😊 Kung April 2027 ang EDD mo, ang qualifying period mo ay January 2026–December 2026.

Yes, pwede ka pa ring maka-avail kahit hindi mo nahulugan ang previous months. Hindi kailangan tuloy-tuloy lahat ng buwan. Ang kailangan ay may at least 3 paid and posted contributions within Jan–Dec 2026.

Based sa nilagay mo:

✅ August 2026
✅ September 2026
✅ October 2026
✅ November 2026
✅ December 2026

May 5 months ka na sa qualifying period, so possible qualified ka, basta paid on time, valid PRN, and posted sa My.SSS.

Kung August 2026 pa lang ang babayaran mo ngayon, counted siya basta mabayaran within deadline at ma-post. Pero kung August lang ang hulog mo, hindi pa sapat — kailangan at least 3 months.

Hindi counted ang January 2027 onwards sa April 2027 MatBen kasi semester of contingency na iyon.

Last QP month: December 2026 — qualifying payments should be made on or before end of December 2026.

April 2027 guide:
https://youtu.be/CC5tF-b0K40?si=47HvGO2y4FFDmEmh

Check estimate here:
https://sssmaternitybenefitscalculator.com

QP checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Voluntary General Question
Question from Mary
Asked Aug 6, 2026

How to process sss maternity and apply

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Answer from SSS Maternity Calculator Team: Answered Aug 7, 2026

Hi mommy 😊 Ganito po ang process ng SSS maternity:

Check muna kung qualified — kailangan may at least 3 paid and posted contributions sa qualifying period.
Habang buntis pa, mag-file ng Maternity Notification / MAT-1.
Kung employed, inform HR/employer kasi sila usually ang magpa-process sa SSS.
Kung Voluntary, Self-Employed, NWS, OFW, or separated, pwede mag-file directly sa My.SSS or SSS Mobile App.
Make sure may approved Disbursement Account / DAEM kung direct claim sa SSS.
After manganak or miscarriage, file the Maternity Benefit Application online and upload the required documents.
For live birth/CS, usually kailangan ang baby’s Certificate of Live Birth. For miscarriage, medical documents ang kailangan.

Important mommy: file MAT-1 habang buntis pa and check if posted ang contributions mo before filing.

Check your estimated SSS maternity benefit
Use your member type, EDD, and contribution details to get a personalized estimate and next steps.
Use the Maternity Calculator
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Question from Marlyn
Asked Aug 6, 2026

EDD ko is March 2027, binayaran ko ang April 2026-June 2026 last July 25, 2026. Kasama bang macocompute ang mga yan sa maternity benefits ko?

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Answer from SSS Maternity Calculator Team: Answered Aug 7, 2026

Yes mommy, kasama po ang April–June 2026 😊

For EDD March 2027, ang qualifying period mo ay October 2025 to September 2026. Since binayaran mo ang April–June noong July 25, 2026, pasok pa ito sa quarterly deadline na on or before July 31, 2026, kung valid at posted ang PRN mo.Pwede mo parin pahabol ang Jul to Sept contribution mag generate kalang ng 1PRN for Jul to Sept. at i pay xa on or before end of Sept

Take note: ang 6 highest Monthly Salary Credits lang ang gagamitin sa final computation.

Check your estimated benefit here:
https://sssmaternitybenefitscalculator.com

March 2027 guide:
https://youtu.be/Wk5uDmaHl4g?si=CWFjXwU72xBWm_fW

Check your estimated SSS maternity benefit
Use your member type, EDD, and contribution details to get a personalized estimate and next steps.
Use the Maternity Calculator
Self-Employed Contribution / Payment Deadline EDD: March 2027
Question from Samirah
Asked Aug 6, 2026

EDD ko po March 2027 at Self-Employed member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Gusto ko pong malaman kung maaari ko pang bayaran ang July 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Nalaman ko lang ng june 2026 na buntis ako pwde ako mag avail ng maternity benifits ko

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Answer from SSS Maternity Calculator Team: Answered Aug 7, 2026

Pwede pa po, mommy 😊 Hindi issue na June 2026 mo lang nalaman na pregnant ka.

For EDD March 2027, ang qualifying period ay October 2025–September 2026. Kailangan ng at least 3 paid contributions, kaya hindi sapat ang July lang—targetin ang July, August, at September 2026.

Ang regular due date ng September 2026, na last qualifying month, ay on or before end of October 2026. Pero dahil October 2026 na ang start ng semester of contingency, mas safe na mabayaran at ma-post ang July–September on or before end of September 2026, dahil hindi kasama sa maternity computation ang contributions na binayaran within or after the semester of contingency.

Check your qualification here:
https://sssmaternitybenefitscalculator.com

March 2027 video guide:
https://youtu.be/Wk5uDmaHl4g?si=CWFjXwU72xBWm_fW

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Non-Working Spouse Contribution / Payment Deadline EDD: January 2027
Question from jerlyn
Asked Aug 5, 2026

EDD ko po January 2027 at Non-Working Spouse member po ako. Sa calculator, inilagay kong paid/posted ang October 2025, November 2025, December 2025, March 2026, April 2026, May 2026, and June 2026. Kakaalam ko lang po na pregnant ako at gusto kong malaman kung maaari pa akong maghulog para maka-qualify sa SSS maternity benefit. Ang tanong ko po: magkano need ko mahulog sa July August and september

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Answer from SSS Maternity Calculator Team: Answered Aug 5, 2026

Hi mommy 😊 Kung January 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Based sa nilagay mo, may paid/posted ka na sa:

✅ Oct 2025
✅ Nov 2025
✅ Dec 2025
✅ Mar 2026
✅ Apr 2026
✅ May 2026
✅ Jun 2026

So possible qualified ka na, kasi more than 3 months na ang hulog mo sa qualifying period.

Para sa July, August, September 2026, hindi na siya required para lang maka-qualify, pero makakatulong siya para tumaas ang benefit kung mas mataas ang hulog/MSC mo.

Kung goal mo ay maximum MatBen, practical amount is:

₱3,000 per month × 3 months = ₱9,000 total

No need lumampas sa ₱3,000/month for MatBen purpose, kasi SSS maternity computation uses the Regular SSS Program up to ₱20,000 MSC.

Kung may 6 months na ₱3,000/month within Oct 2025–Sept 2026, possible umabot sa ₱70,000 max for 105 days. Kung hindi 6 months ang max MSC, depende pa rin sa 6 highest MSC mo ang final amount.

Last QP month: September 2026 — qualifying payments should be made on or before end of September 2026.

January 2027 guide:
https://youtu.be/AosGUymw4G8?si=nXlEDVfDNdHIIzxz

Check estimate here:
https://sssmaternitybenefitscalculator.com

QP checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines

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