Which SSS Contributions Count for Maternity Benefits?

Quick answer:
Only SSS contributions paid BEFORE the semester of delivery are counted for maternity benefits. Contributions paid during or after the delivery semester do NOT count, even if paid early or in advance.

This guide explains which months count, which payments are ignored, and the most common mistakes that cause maternity claims to be denied.

TL;DR " Which Contributions Count?

Only contributions paid BEFORE the semester of contingencyⓘ count
You need at least 3 monthly contributions
Late or retroactive payments do NOT count
Contributions paid during delivery semester are ignored
Rule applies to employed, voluntary, self-employed, and OFW members

SSS Contributions That COUNT for Maternity Benefits

Your contribution will be counted if ALL of the following are true:

It was paid before the semester of delivery
It is posted in your My.SSS account
It falls within the 12-month qualifying periodⓘ
It was paid using a valid PRNⓘ

' To understand how the qualifying period is computed, see this full guide:
SSS Maternity Qualifying Period Explained

SSS Contributions That Do NOT Count

Contributions paid during the delivery semester
penaltiesⓘ and interest, redu?" title="Loan Delinquency occurs when a borrower frequently misses monthly amortizations, causing the loan to fall behind schedule. Delinquent loans accumulate penalties and interest, redu?">Late paymentsⓘ made after discovering pregnancy
Retroactive or backdated payments
Payments with invalid or cancelled PRNs
Contributions not yet posted at time of evaluation

Even if you paid early or in bulk, SSS strictly follows the posting month rule.

Do Voluntary Contributions Count for Maternity Benefits?

Yes. Voluntary, self-employed, and OFW members can qualify as long as:

They paid at least 3 contributions
The payments fall within the qualifying period
Payments were made before the semester of delivery

Switching to voluntary status too late is a common reason for disqualification.

Real Examples

Example 1: Contributions That Count

Delivery month: June

Semester of contingency: January"June
Qualifying period: January"December (previous year)
Contributions paid in: February, March, April
... Qualified

Example 2: Contributions That Do NOT Count

Delivery month: June
Contribution paid: May (delivery semester)
Not counted

How Contributions Affect Your Benefit Amount

The contributions that fall inside your qualifying period determine your Average Salary Creditⓘ (ADSC) is the average value used to compute daily SSS benefits, including sickness and maternity claims. It is derived from the six highest Monthly?" title="The Average Daily Salary Credit (ADSC) is the average value used to compute daily SSS benefits, including sickness and maternity claims. It is derived from the six highest Monthly?">Daily Salary Creditⓘ (ADSC), which affects how much maternity benefitⓘ you will receive.

' See full computation here:
How Much Is SSS Maternity Benefit?

' Or calculate instantly:
SSS Maternity Benefits Calculator