SSS Maternity Qualifying Period Calculator 2026

Use this free SSS Maternity Qualifying Period Calculator to enter your expected due date (EDD) and instantly see your semester of contingency, your 12-month qualifying period, and the months that count for SSS maternity benefits.

How it works in plain English

Your EDD month determines your semester of contingency. Then SSS checks the 12 months before that semester. Those are your qualifying months. You generally need at least 3 posted contributions within that 12-month period.

This page is useful for both employed and voluntary members. If your due date changes later, recalculate using the updated EDD or actual delivery date.

Enter Your Expected Due Date (EDD)

Step 1: Enter your expected due date.

Step 2: See your semester of contingency.

Step 3: Check the 12-month qualifying period and covered months.

Quick set EDD:

Computation Result

Quick answer

The 12 months shown below are the months that SSS checks for maternity qualification. Months inside your semester of contingency do not count toward the qualifying period.

Semester of Contingency (2 Quarters)

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12-Month Qualifying Period

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Expected Delivery Date	-
Semester of Contingency	-
Qualifying Period	-
Months That Count	-

To qualify, you generally need at least 3 posted SSS contributions within the 12-month qualifying period shown above.

Estimate your SSS maternity benefit based on your qualifying months

Once you know which months count, continue to the main calculator to estimate your possible maternity benefit amount.

Calculate My Estimated Benefit → See Manual Computation Guide

What Months Count for SSS Maternity Benefits

Months that count

The 12 months before the semester of contingency
Months with posted contributions inside that qualifying period
Applicable to both employed and voluntary members

Months that do not count

Months inside the semester of contingency
Months paid too late to be considered part of the correct qualifying period
Months outside the 12-month window shown by the calculator

How the SSS Maternity Qualifying Period Works

The SSS maternity qualifying period is based on your semester of contingency. This includes the quarter of your expected delivery date and the quarter immediately before it.

To check if you may qualify for SSS maternity benefits in 2026, count the 12 months before the semester of contingency. You generally need at least 3 posted monthly contributions within that period.

This calculator helps you identify the correct qualifying months using your EDD (expected delivery date).

Examples of SSS Qualifying Period for 2026 EDD

If your EDD is January 2026

The semester of contingency covers October 2025 to March 2026. The 12-month qualifying period is October 2024 to September 2025.

If your EDD is July 2026

The semester of contingency covers April 2026 to September 2026. The 12-month qualifying period is April 2025 to March 2026.

If your EDD is December 2026

The semester of contingency covers July 2026 to December 2026. The 12-month qualifying period is July 2025 to June 2026.

Frequently Asked Questions

What is the semester of contingency?

It is the 2-quarter period that includes the quarter of your delivery, miscarriage, stillbirth, or fetal death and the quarter immediately before it.

How do I find my SSS maternity qualifying period?

Find your semester of contingency first, then count the 12 months before it. Those are the months SSS checks for your maternity claim.

How many SSS contributions do I need?

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

Do months inside the semester of contingency count?

No. Months inside the semester of contingency do not count toward the qualifying period used for maternity benefits.

Does this apply to voluntary members?

Yes. This calculator is useful for both voluntary and employed members. You still need to check whether your contributions were posted in the correct qualifying months.