SSS Maternity Qualifying Period 2026

SSS Maternity Qualifying Period 2026 Calculator by EDD Month

Select your EDD month and year to see your semester of contingency, 12-month qualifying period, and the contribution months SSS may check for maternity benefit eligibility.

Check My Qualifying Period View EDD Chart

Quick answer

Your SSS maternity qualifying period is the 12 months before your semester of contingency. SSS generally checks if you have at least 3 posted monthly contributions inside those months.

This checker only finds your qualifying period. It does not compute your benefit amount yet. After checking your months, continue to the full SSS maternity calculator.

Checker / Calculator Area

Check your qualifying period by EDD month

This blue area is the interactive checker. Choose your EDD month and year to see your counted months.

Note: This page checks your qualifying period only. To estimate the peso amount, use the full SSS maternity calculator after you know which months are counted.

Your SSS maternity qualifying period

Semester of Contingency

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These months are excluded when finding your qualifying period.

Qualifying Period

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These are the 12 months SSS checks for your maternity contributions.

Contribution months and deadline guide

Important: A month only helps if the contribution is posted in your SSS record. If it is not posted yet, check if it is still payable before the deadline.

Next step: estimate the benefit amount

You now know the months SSS may check. Continue to the full calculator to estimate your possible maternity benefit amount.

Continue to Full SSS Maternity Calculator

SSS maternity qualifying period chart by EDD month

Use the tables below to quickly check the semester of contingency and qualifying period for each EDD month. For a faster personalized answer, use the checker above.

EDD 2026 qualifying period table

EDD Month Semester of Contingency Qualifying Period
January 2026 Oct 2025 - Mar 2026 Oct 2024 - Sep 2025
February 2026 Oct 2025 - Mar 2026 Oct 2024 - Sep 2025
March 2026 Oct 2025 - Mar 2026 Oct 2024 - Sep 2025
April 2026 Jan 2026 - Jun 2026 Jan 2025 - Dec 2025
May 2026 Jan 2026 - Jun 2026 Jan 2025 - Dec 2025
June 2026 Jan 2026 - Jun 2026 Jan 2025 - Dec 2025
July 2026 Apr 2026 - Sep 2026 Apr 2025 - Mar 2026
August 2026 Apr 2026 - Sep 2026 Apr 2025 - Mar 2026
September 2026 Apr 2026 - Sep 2026 Apr 2025 - Mar 2026
October 2026 Jul 2026 - Dec 2026 Jul 2025 - Jun 2026
November 2026 Jul 2026 - Dec 2026 Jul 2025 - Jun 2026
December 2026 Jul 2026 - Dec 2026 Jul 2025 - Jun 2026

EDD 2027 qualifying period table

EDD Month Semester of Contingency Qualifying Period
January 2027 Oct 2026 - Mar 2027 Oct 2025 - Sep 2026
February 2027 Oct 2026 - Mar 2027 Oct 2025 - Sep 2026
March 2027 Oct 2026 - Mar 2027 Oct 2025 - Sep 2026
April 2027 Jan 2027 - Jun 2027 Jan 2026 - Dec 2026
May 2027 Jan 2027 - Jun 2027 Jan 2026 - Dec 2026
June 2027 Jan 2027 - Jun 2027 Jan 2026 - Dec 2026
July 2027 Apr 2027 - Sep 2027 Apr 2026 - Mar 2027
August 2027 Apr 2027 - Sep 2027 Apr 2026 - Mar 2027
September 2027 Apr 2027 - Sep 2027 Apr 2026 - Mar 2027
October 2027 Jul 2027 - Dec 2027 Jul 2026 - Jun 2027
November 2027 Jul 2027 - Dec 2027 Jul 2026 - Jun 2027
December 2027 Jul 2027 - Dec 2027 Jul 2026 - Jun 2027
Important: Your actual posted contributions still matter. After checking your qualifying period, review your SSS contribution record to see which months are posted and valid.

What is the semester of contingency in SSS maternity?

The semester of contingency is the 6-month period made of the quarter of your delivery, miscarriage, stillbirth, or emergency termination of pregnancy and the quarter immediately before it.

Contributions inside this semester are not counted for your maternity qualifying period. The counted months are the 12 months before this semester.

SOC = Not counted

The semester of contingency is excluded when checking your 3 qualifying contributions.

QP = Counted months

The qualifying period is the 12 months before the semester of contingency.

Why your EDD month matters

Your expected delivery month decides which two-quarter semester is excluded from the qualifying period. This is why two members with different EDD months can have different qualifying periods.

For example, a December 2026 EDD uses a different qualifying period than a January 2027 EDD. That is why checking by EDD month is safer than guessing based on recent payments.

Can I still pay missing SSS contributions?

It depends on your member type, payment deadline, PRN, and the month you want to pay. Some members may still be able to pay current or upcoming months, but months already past the allowed deadline may no longer be payable.

Planning tip: Passed months should be checked in your posted SSS contribution record. Current or upcoming months should be paid early and verified in My.SSS.

What to check in My.SSS

  • Your posted contribution record
  • Your PRN or receipt if you recently paid
  • Whether at least 3 monthly contributions are posted inside your qualifying period
  • Whether the month you want to pay is still within the allowed payment deadline

Done checking your qualifying period?

Next, use the full SSS maternity calculator to estimate your possible benefit amount based on member type, maternity case, and contribution details.

Continue to Calculator

Frequently asked questions

It is the 12-month period before your semester of contingency. SSS generally checks if you have at least 3 posted monthly contributions inside this period.

Not always. Contributions inside the semester of contingency do not count toward the qualifying period. The correct months are the 12 months before the semester of contingency.

For a December 2026 EDD, the semester of contingency is July 2026 to December 2026. The qualifying period is July 2025 to June 2026.

For a January 2027 EDD, the semester of contingency is October 2026 to March 2027. The qualifying period is October 2025 to September 2026.

You generally need at least 3 posted monthly contributions inside the correct 12-month qualifying period.

Check your posted contributions inside the qualifying period. Then use the full SSS maternity benefit calculator to estimate your possible benefit amount.

Useful next pages

Full SSS Maternity Calculator SSS Maternity Hub Ask a Question

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PhilHealth Maternity Benefits

Preparing for Baby Expenses?

Hospital delivery in the Philippines can easily cost ₱60,000 - ₱200,000 depending on the hospital and type of delivery. Many parents use a credit card to manage these expenses while waiting for their SSS maternity benefits.

Apply for a UnionBank Credit Card
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