SSS Maternity Questions & Answers

EDD Sept. Mi Qualifying Period mo Apr 2025 - Mar 2026 yan dapat po mga months na may hulog ka if wala po hulog atleast 3mons posted contributions under qualifying period hindi po mag qualify.

es mommy, possible pa po makahabol, lalo na kung January 2027 ang EDD mo 😊

Yung hulog mo noong 2024 ay hindi counted sa January 2027 maternity, kasi ang qualifying period mo is October 2025 to September 2026.

Kailangan mo ng at least 3 posted contributions within that period. SSS says maternity benefit needs at least 3 contributions in the 12-month period before the semester of childbirth.

Kung Voluntary ka na ngayon, gumawa agad ng PRN sa My.SSS at maghulog ng months na kaya pang bayaran, like April–June 2026, then continue July–September 2026 para mas okay.

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

Kelan po EDD mi? if EDD is Jan, Feb, March pwede pa po makahabol if Old member ka sa SSS, generate ka PRN for April to Jun Pay mo xa on or before end of June (recommend if EDD is January just incase mapa aga ang delivery to december pasok parin yung april -june contribution if na pay xa on or before end of june)then July to Sept quarterly payment ang due is on or before end of Sept. if voluntary ka pwede mo pay 3k per month for 6 months under QP para ma meet mo yung 70k max matbe (based sa 2026 highes MSC na kina count ni SSS for matben).

if old member po kayo yes po generate ka PRN for April to June pay mo xa on or before end of june (current month ngayon is june.)

Yes mommy, pwede po 😊
Kung January 2027 ang EDD mo, kasama sa qualifying period ang April, May, at June 2026, kaya pwede mong bayaran ang April–June 2026 ng isang bagsakan ngayong last week ng June, as long as allowed sa PRN mo and before the SSS deadline.
Best gawin: gumawa ng PRN sa My.SSS for April–June 2026, then bayaran agad para safe.
Pwede mo rin i-check ang estimated maternity benefit mo dito:
https://sssmaternitybenefitscalculator.com

Yes mommy, hindi po late ang May payment mo 😊
Yung May 2026 na binayaran mo noong June 22, 2026 ay pasok pa, kasi ang deadline ng May contribution is usually end of June. Yung June 2026 payment mo, okay din kasi nabayaran mo rin within June.
Since November 2026 ang EDD mo, counted ang May at June 2026 sa qualifying period. Make sure lang na posted na sa SSS account mo at meron kang 3 months posted contribution under Qualifying Period mo since ang requirements po ni SSS para ma qualify ka is atleast 3mons posted contribution
Pwede mo rin i-check estimate mo dito mommy:
https://sssmaternitybenefitscalculator.com

Hi mommy, for EDD August 1, 2026, pasok sa qualifying period ang April 2025 to March 2026. So yes, important yung April–August 2025 contributions mo.

Pwede mo silang kausapin na i-remit nila, pero since late na siya at ngayon lang babayaran, possible na hindi na siya maisama sa maternity computation. Better pumunta or mag-message agad sa SSS and bring proof like payslip/COE showing employed ka and may SSS deduction.

Employer po ang may responsibility kung hindi nila nahulugan on time.

Pwede mo rin i-check estimate mo dito:
https://sssmaternitybenefitscalculator.com

Yes mommy, possible pa po 😊
Kung October 2026 ang EDD mo, ang qualifying period mo is July 2025 to June 2026. So kung naghulog ka from March 2026 to June 2026, pasok po iyon, basta paid and posted sa SSS.if hindi pa po kayo bayad generate ka ng 1 PRN for April to Jun tapos pay mo xa on or before end of june or better as early as possible (current month now is june.) Yung hulog from July 2026 onwards, hindi na counted sa maternity computation for October EDD kaya wag mo po xa palipasin or bayaran ng July or lagpas na sa last month ng qualifying period mo.

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

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

Yes mommy, qualified ka possible 😊

For EDD November 2026, ang qualifying period mo is July 2025 to June 2026. So yung hulog mo from July 2025 to April 2026 ay counted, basta paid and posted sa SSS. SSS requires at least 3 paid contributions within the 12-month qualifying period.

Kung magkano makukuha, depende po sa 6 highest monthly salary credits/contributions mo. Kung maximum ang hulog mo sa top 6 months, possible umabot ng ₱70,000 for normal delivery.

Pwede mo i-check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Yes mommy, meron po 😊

For EDD January 2027, dapat mag-file ka ng SSS Maternity Notification / MAT-1 before ka manganak. Mas safe na mag-file na as soon as confirmed ang pregnancy, huwag hintayin ang January. SSS forms also require the maternity notification to be received prior to delivery/miscarriage/procedure.

Kung employed ka, notify your HR/employer para sila mag-submit sa SSS. For maternity leave application sa work, best magpaalam at least 30 days before your leave, whenever possible.

After manganak, saka naman ang maternity benefit claim / MAT-2.

Pwede mo rin i-check qualifying period at estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Yes mommy, qualified ka possible 😊
For EDD October 2026, ang qualifying period mo ay July 2025 to June 2026. Since naghulog ka from June 2025, counted ang July 2025 to June 2026 basta posted sa SSS.
Sa amount, depende kung ano yung ₱1,500 monthly:

Kung ₱1,500 ay employee deduction sa payslip, possible near/max ₱70,000.

Kung ₱1,500 ay total contribution, estimate is around ₱35,000.

Yung hulog from July–October 2026, tuloy pa rin pero hindi na counted sa maternity computation for October EDD.
Pwede mo i-check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Most likely mommy, ₱35k means 3 months lang ang na-count ni SSS, hindi full 6 months.

For EDD May 2026, ang qualifying period is January–December 2025. If July–December 2025 were all paid/posted correctly at ₱3,000 monthly, dapat possible ang ₱70k for 105 days, because SSS uses the 6 highest MSC and regular SSS maternity computation is based only up to ₱20,000 MSC.

Possible reason bakit naging ₱35k:

3 months lang ang posted/accepted.
Some payments were paid within January–June 2026, so baka hindi counted.
₱3,000 was not posted as monthly July–Dec, or iba ang MSC na lumabas.

Best mommy: check mo sa SSS account yung posted contributions July–Dec 2025, then ask SSS for the maternity computation breakdown/reconsideration.

Pwede mo rin i-check estimate dito:
https://sssmaternitybenefitscalculator.com

Since December 28, 2026 ka nanganak, ang susundin is December 2026 delivery, not January 2027 EDD.
So ang qualifying period mo is July 2025 to June 2026. Counted lang dito ang March, April, May, June 2026. Yung July–September 2026, hindi na counted kasi nasa semester of delivery na. SSS requires at least 3 paid contributions before the semester of contingency.
Kung ₱3,000 monthly total contribution mo at posted lahat, estimate mo is around:
₱46,667 for 105 days normal/CS delivery.
Kung solo parent, around ₱53,333.
Pwede mo rin i-check dito mommy:
https://sssmaternitybenefitscalculator.com

Yes mommy, pwede po 😊

Kung January 28, 2027 ang EDD mo, counted sa qualifying period ang April–June 2026. Pwede mong hulugan ang April to June ng ₱9,000 total kung ang ibig mo ay ₱3,000 per month, basta makagawa ka ng PRN for those months and mabayaran before deadline(pay on or before end of June). SSS says self-employed members may pay monthly or quarterly using PRN.

Mas okay bayaran agad para safe mommy. Check mo rin estimate mo dito:
https://sssmaternitybenefitscalculator.com

Hindi naman need na sunod-sunod, mommy 😊
Pwede ang Jan, Feb, April, basta pasok sila sa qualifying period, paid on time, at posted sa SSS.

Ang requirement ni SSS is at least 3 monthly contributions within the qualifying period — hindi required na consecutive.

Check mo qualifying period mo dito mommy:
https://sssmaternitybenefitscalculator.com

Hi Mommy, if September EDD mo ang qualifying period mo is April 2025 to March 2026 hindi po kasama sa count if April 2026 to June 2026 ang binayaran mo.

Hello mommy, yes tama po 😊
Kung October 2024 ang miscarriage mo, ang qualifying period is July 2023 to June 2024. Need at least 3 posted contributions within that period para qualified. SSS says miscarriage/ETP is covered for 60 days if qualified.

For filing, usually kailangan ng:
valid ID, proof of pregnancy like pregnancy test/ultrasound, and medical certificate or medical records showing miscarriage.

Kung employed ka noon, check with HR. Kung voluntary/SE ka, file through My.SSS.

Pwede mo rin i-check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Yes mommy, pwede pa po possible 😊
Kung January 2027 ang EDD mo, ang qualifying period mo is October 2025 to September 2026. So counted ang April at May 2026.

Kung ngayong katapusan ng June ka magbabayad, gumawa agad ng PRN sa My.SSS. Yung May pasok pa, pero yung April depende kung tatanggapin pa ng SSS system/PRN dahil may deadline ang contribution payments. For self-employed, SSS says contributions may be paid monthly or quarterly through PRN. If April to Jun ang i generate mo make sure na ma pay mo xa on or before end of this month (Current month now June)

Check mo rin qualifying period at estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Hi mommy 😊 For EDD September 17, 2026, ang qualifying period mo is April 2025 to March 2026.

Kung magkano ang makukuha, depende po sa 6 highest posted contributions/MSC mo sa period na yan. If maximum ang hulog mo sa 6 highest months, possible up to ₱70,000 for normal/CS delivery.

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

Yes mommy, qualified ka na possible 😊

Kung December 2026 ang EDD mo, ang qualifying period mo is July 2025 to June 2026. Since may hulog ka buong 2025, counted ang July–December 2025, so may more than 3 contributions ka na. SSS requires at least 3 paid contributions before the semester of delivery.

Hindi na required maghulog para lang ma-qualify sa maternity, pero pwede ka mag-voluntary ulit para tuloy ang SSS benefits mo in the future.

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

Hi mommy 😊 Kung October 2026 ang EDD mo, ang qualifying period mo is July 2025 to June 2026.

So March, April, May, at June 2026 are counted months. Pero kung ngayon ka pa lang magbabayad:

March 2026 — possible late na, baka hindi na tanggapin.
April–June 2026 — possible pa if makagawa ka ng PRN and mabayaran on time, especially as quarterly payment. (due on or before end of June)

Kung employed ka, dapat employer ang maghulog. Kung voluntary/SE ka, check agad sa My.SSS PRN. SSS says contributions paid within/after the semester of contingency are not counted for maternity computation, and maternity needs at least 3 qualifying contributions before that semester.

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

Kung August 5, 2025 ka nanganak, ang qualifying period mo is:

April 2024 to March 2025.

So kung nahulugan ka ng company March 2025 hanggang August 2025, ang March 2025 lang ang counted. Yung April–August 2025, hindi na counted sa maternity computation.

Qualified ka lang kung may at least 3 posted contributions within April 2024–March 2025. Kung March lang ang meron, kulang pa po.

Check mo sa SSS account mo mommy baka may previous hulog ka before March.

es mommy, pwede pa po possible 😊
Kung January 2027 ang EDD mo, ang qualifying period mo is October 2025 to September 2026, so counted ang April–June 2026.
Pero para makuha ang maximum ₱70k, need mo ng 6 highest contributions sa qualifying period, hindi 3 months lang. Kung Voluntary/SE ka, gumawa agad ng PRN sa My.SSS for April–June and pay habang tinatanggap pa ng system. SSS says self-employed members may pay monthly or quarterly using PRN.
Check mo estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Yes mommy, possible ₱70,000 makuha mo 😊

Kung January 2027 ang EDD mo, ang qualifying period mo is October 2025 to September 2026. If magbabayad ka ng ₱3,000 monthly from April to September 2026, that gives you 6 months at ₱20,000 MSC, so possible maximum ₱70k for normal/CS delivery, basta accepted, paid on time, and posted sa SSS.

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

For EDD September 24, 2026, mommy, ang qualifying period mo is April 2025 to March 2026 😊
Need mo ng at least 3 posted contributions within that period para qualified. SSS says maternity eligibility uses contributions in the 12-month period before the semester of childbirth.
Kung gusto mo malaman magkano possible makuha, check mo dito:
https://sssmaternitybenefitscalculator.com

Hi mommy, kung last hulog mo is 2020, hindi na po iyon counted for January 2027 EDD.

For EDD January 2027, ang qualifying period mo is October 2025 to September 2026. Need ng at least 3 posted contributions within that period.

Kung June 2026 pa lang ngayon, possible pa humabol by paying as voluntary for April–September 2026, if Quarterly payment April to Jun pay on or before end of Sept but I suggest to pay on or before end of June just in case mabago EDD mo to December pasok parin xa sa Qualifying period ng December, Then yung July to Sept Quarterly Payment pay mo xa on or before end of Sept. Basta accepted sa PRN, paid on time, and posted sa SSS.

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

Yes mommy, may makukuha ka possible 😊

Kung EDD Dec 10, 2026, ang qualifying period mo is July 2025 to June 2026. Since may hulog ka buong 2025, counted ang July–December 2025, so qualified ka possible basta posted sa SSS.

Kung maliit ang contribution mo, may benefit pa rin, pero maliit din ang magiging amount. Kung minimum/low contribution lang, possible estimate is around ₱17,500+ for normal/CS delivery, pero depende pa rin sa 6 highest MSC mo. SSS uses the 6 highest monthly salary credits in the qualifying period for maternity computation.

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

Yes mommy, pwede pa po 😊
Kung EDD mo ay January 2027, ang qualifying period mo is October 2025 to September 2026, so counted ang April, May, at June 2026.
Kung Voluntary / Self-Employed / NWS ka, gumawa agad ng PRN sa My.SSS for April–June 2026 and bayaran 1PRN pay mo xa on or before end of June (current month now is June). SSS says SE members can pay monthly or quarterly using PRN.
Kung employed ka, dapat employer ang mag-remit ng contribution mo.
Check mo estimate mo dito mommy:
https://sssmaternitybenefitscalculator.com

Mommy, kung employee ka pa ngayon, hindi mo basta papalitan to self-employed para ikaw ang maghulog. Employer pa rin dapat ang mag-remit ng SSS mo habang employed ka.
Kung resigned/separated ka na or may sarili kang income/business/freelance, pwede ka mag-update to Self-Employed by submitting SSS Member Data Change Request / E-4. Sa SSS E-4, “To Self-Employed” has no required documents listed. Then gumawa ka ng PRN and pay your contribution.
Important: for maternity, only paid/posted contributions within your qualifying period and paid on time ang counted.
Check mo muna qualifying period mo dito mommy:
https://sssmaternitybenefitscalculator.com