SSS Maternity Tool

SSS Maternity Qualifying Period Calculator 2026–2027

Check your SSS maternity qualifying period for a 2026 or 2027 EDD. The calculator finds the 12 months SSS will check for maternity benefit qualification and shows the payment or remittance cutoff for every qualifying month.

Use your exact EDD or event month, then compare the result with the complete 2026 and 2027 charts below.

Enter your details

Your member type determines the payment rule and who is responsible for the contribution.

Use the EDD while pregnant, the actual childbirth month after delivery, or the medical-event month for miscarriage, stillbirth, or ETP.

Your result

Qualifying months and deadlines

Review every month and its payment or remittance cutoff.

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You generally need at least 3 valid monthly contributions inside the qualifying period.

Confirm every month in My.SSS before relying on it. A later PRN date does not extend the maternity-counting cutoff. Employer-handled missing months should be verified with the responsible employer or agency and SSS.

Already have at least 3 posted qualifying months?

Continue to the full calculator to estimate the possible maternity benefit.

Continue to Full Maternity Calculator Ask About My Result

Planning for the maximum benefit?

Can these qualifying months help you reach ₱70,000?

Now that you know the 12 months SSS will check, the next step is to see whether the six MSC months used in your computation can reach the maximum. For a 105-day live childbirth claim, the ₱70,000 maximum uses six selected MSCs of ₱20,000 each.

How to Avail ₱70,000 SSS Maternity Benefit

Planning for delivery and baby expenses?

Your qualifying period shows which contribution months may count for your SSS maternity claim. If you are also comparing options for upcoming maternity expenses, you can view the UnionBank credit-card offer below. Compare costs carefully and borrow only if repayments fit your budget.

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Use the year sections below for a quick reference. Your exact SSS maternity qualifying period depends on the EDD or maternity-event month. The checker above also applies the deadline rule for your selected member type.

SSS Maternity Qualifying Period 2026

There is no single SSS maternity qualifying period for every 2026 claim. Your exact 12-month period depends on the EDD, childbirth, miscarriage, stillbirth, or ETP month. Use these four 2026 EDD groups for a quick answer, or use the calculator above for your exact month and deadline status.

EDD / event month
January–March 2026
Qualifying period: October 2024 to September 2025
EDD / event month
April–June 2026
Qualifying period: January 2025 to December 2025
EDD / event month
July–September 2026
Qualifying period: April 2025 to March 2026
EDD / event month
October–December 2026
Qualifying period: July 2025 to June 2026

EDD month Semester 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

SSS Maternity Qualifying Period 2027

There is no single SSS maternity qualifying period for every 2027 claim. Your exact 12-month period depends on the EDD, childbirth, miscarriage, stillbirth, or ETP month. Use these four 2027 EDD groups for a quick answer, or use the calculator above for your exact month and deadline status.

EDD / event month
January–March 2027
Qualifying period: October 2025 to September 2026
EDD / event month
April–June 2027
Qualifying period: January 2026 to December 2026
EDD / event month
July–September 2027
Qualifying period: April 2026 to March 2027
EDD / event month
October–December 2027
Qualifying period: July 2026 to June 2027

A separate 2027 calculator is not needed. Select your 2027 EDD or event month in the checker above to get the exact 12 qualifying months and deadline status.

EDD month Semester 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

After finding the correct period, confirm which contributions are actually posted in My.SSS.

How the deadline checker works

The checker first finds the 12-month qualifying period before the semester of contingency. It then uses the earlier of the normal payment or remittance deadline and the final day of the qualifying period.

Enter EDD and member type

This identifies the qualifying period and the correct deadline rule.

Review all 12 months

Status colors are used only to show whether action may still be possible or requires verification.

What does “still payable” mean?

For self-paying members, both the normal SSS deadline and the maternity-counting cutoff must still be open. The final qualifying-period month must be paid on or before the end of that month, even when the PRN shows a later expiration.

Employees should not automatically pay an employed month as Voluntary. Employee, kasambahay, sea-based OFW, and remitting-agency months should be checked with the responsible employer or agency.

The date displayed by the checker is the last date used for that contribution to count toward the selected maternity claim.

Frequently asked questions

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

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

The semester is July 2026 to December 2026. The qualifying period is July 2025 to June 2026.

The semester 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.

Review the deadline status of all 12 months and confirm in My.SSS which contributions are already posted.

There is no single qualifying period for every 2026 maternity claim. It depends on the EDD, childbirth, miscarriage, stillbirth, or ETP month. Select the correct 2026 month in the checker above to see the exact 12-month qualifying period and the contribution deadlines that apply to that claim.

There is no single qualifying period for every 2027 maternity claim. It depends on the EDD, childbirth, miscarriage, stillbirth, or ETP month. Select the correct 2027 month in the checker above to see the exact 12-month qualifying period and the contribution deadlines that apply to that claim.

Continue your maternity check

Estimate the benefit amount or continue with the main maternity guides.

Full Maternity Calculator How to Reach ₱70K Maternity Guide

Real SSS maternity cases

Questions from real qualifying-period cases

These are approved questions and answers from real SSS maternity cases. After you calculate, this list updates to cases closer to your member type and EDD.

Popular QP cases
Voluntary EDD: October 2026

EDD ko October 2026 may hulog Ako since 2018 until now pero for April May, June ,July ko na nabayaran nakalagay naman until July 31,counted parin ba hulog ko and qualified parin ba for maternity benefits?

Answer

Hi mommy 😊 For EDD October 2026, ang qualifying period mo ay July 2025–June 2026.

Since may tuloy-tuloy kang hulog since 2018, qualified ka possible basta may at least 3 posted contributions sa QP.

Kung April–June 2026 ay nabayaran mo lang noong July, possible na hindi na sila isama sa MATBEN kahit July 31 ang regular PRN deadline. Ang July 2026 contribution ay hindi na counted dahil outside QP na.

Last QP month: June 2026—safest na mabayaran on or before end of June 2026.

Check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Voluntary EDD: July 2026

JULY EDD ko, pero nanganak ako ng JUNE , ang hinulugan kong contribution ay OCT-DEC 2025 at JAN-March 2026 possible ba makakuha ako ng 70k

Answer

Yes mommy, possible makakuha, pero baka hindi umabot ng ₱70k.

Since June ka nanganak, ang susundin ni SSS is actual delivery month, not July EDD. So ang qualifying period mo ay usually January–December 2025.

Meaning, yung Oct–Dec 2025 counted, pero yung Jan–Mar 2026 likely hindi na counted. Kung 3 months lang ang counted, eligible ka possible, pero hindi maximum ₱70k.

Check mo estimate mo dito mommy:
https://sssmaternitybenefitscalculator.com

Employee EDD: December 2026

EDD ko po Dec. may hulog po ako since 2024 to May 2026. hindi po ako nakahulog ng June 2026. may makukukuha pa rin po ba ako?

Answer

Hi mommy 😊 For EDD December 2026, ang qualifying period mo ay July 2025–June 2026.

Since may hulog ka hanggang May 2026, qualified ka possible kahit wala kang June contribution, basta may at least 3 posted contributions sa QP.

Hindi required ang June para lang ma-qualify, pero maaaring makaapekto sa amount kung mataas sana ang June hulog mo.

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

Check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Voluntary EDD: February 2027

EDD ko po Feb 2027, tas Ang QP ko is Oct 2025 - Sept 2026. Pwede ko pa po bang bayaran Ang April-June 2026? pra at least makompleto ko yong six months na April - Sept sana. Hopefully…

Answer

Yes mommy, possible pa po 😊

For EDD February 2027, tama na ang QP mo is October 2025 to September 2026. Counted ang April–June 2026 if paid on time and posted.

Since July na, try gumawa agad ng PRN for April–June 2026 quarter. Usually due ito until July 31, 2026 for voluntary/SE quarterly payment. SSS requires at least 3 contributions in the QP, and contributions paid within/after the semester of delivery are not counted.

Then continue July–September 2026 para maging 6 months.
Last QP month due date: September 2026 should be paid/posted on or before September 30, 2026 para safe.

Check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

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