SSS Maternity Questions & Answers

Hi mommy 😊 For EDD August 2026, ang qualifying period mo ay April 2025–March 2026. Kailangan may at least 3 valid posted contributions within this period. Social Security System
So kung ang hulog mo ay December 2024–May 2025, only April at May 2025 ✅ ang counted — 2 months lang, so kailangan may at least 1 more contribution from June 2025–March 2026 para maka-qualify.
Pero kung ang ibig mong sabihin ay December 2025–May 2026, counted ang December 2025–March 2026 ✅, so may 4 qualifying months ka at possible kang qualified. Yung April–May 2026 hindi na kasama sa qualifying period.
Yung pag-file mo ng MAT-1 noong March 2026 is good, pero qualification still depends sa posted contributions. Social Security System
👉 Calculator:
https://sssmaternitybenefitscalculator.com

Hi mommy 😊 Kung currently employed ka, employer/HR po talaga ang dapat mag-file/transmit ng MAT-1 sa SSS. Ikaw muna ang mag-notify sa employer tungkol sa pregnancy at EDD, then sila ang mag-submit through their Employer My.SSS account.

Ang direct online MAT-1 filing sa member account ay para sa Voluntary, Self-Employed, OFW, at Non-Working Spouse members.

So kung Employee ka pa, mas safe na dumaan sa HR/employer para tama ang record at walang issue later sa MatBen claim. 😊

🎥 How to File SSS MAT-1 Online:
https://youtu.be/ackBt_sWnvY

Hi mommy 😊 Yes po, qualified ka based sa contributions na sinabi mo, provided valid at posted lahat sa My.SSS.

For EDD January 8, 2027, ang qualifying period mo ay October 2025–September 2026.

Yung hulog mo na February–September 2026 ✅ counted lahat, so mayroon kang 8 qualifying months. Lampas na ito sa minimum na 3 monthly contributions needed to qualify for SSS maternity benefit.

Ang exact amount ng MatBen mo will depend sa 6 highest MSCs within that qualifying period.

🎥 January 2027 EDD guide:
https://youtu.be/AosGUymw4G8

Hi mommy 😊 Since tapos na ang Maternity Notification mo at may enrolled bank account ka na sa DAEM, ang next step depends sa membership status mo.

Kung Voluntary / Self-Employed / OFW / NWS / separated from employment, after giving birth ka pa magfa-file ng actual Maternity Benefit Application (MAT-2 equivalent) online. Kailangan kasi ng registered birth documents, then kapag approved, SSS will deposit the benefit directly sa enrolled account mo. MAT-1 alone does not release the benefit before delivery.

Kung currently employed ka naman, employer normally advances the maternity benefit within 30 days from filing the maternity leave application, then sila ang magre-reimburse sa SSS.

So kung direct SSS claimant ka mommy, yes—usually after delivery and after ma-submit/approve ang MatBen application mo, similar sa process ng miscarriage claim mo dati. 😊

🎥 February 2027 EDD guide:
https://youtu.be/FvI2gVRmKEM?si=ejIDbagMWfc4NPn0

Hi mommy 😊 Yes po, possible ka pa ring makatanggap ng SSS Maternity Benefit kahit employed ka dati at separated na ngayon. Ang importante ay qualified ka based sa contributions mo at properly filed ang maternity notification. SSS states that separated/unemployed members can be paid directly by SSS once the claim is approved.

Kung within 6 months from separation ang delivery mo, possible hingin ang Certificate of Separation showing the effective separation date and that walang maternity benefit advance na binigay ng previous employer.

Send mo lang mommy ang EDD/actual delivery date + months na may hulog, then mache-check natin kung qualified ka.

Mommy, for EDD February 2027, ang qualifying period mo is October 2025 to September 2026.

Kung may hulog ka from October 2025 to May 2026, pasok po iyon sa qualifying period, so may chance ka pong qualified as long as posted and valid ang hulog mo.

About MAT-1, since resigned ka na nung July 2026, usually ikaw na po ang mag-file directly sa SSS/My.SSS as separated or voluntary member. Ang HR lang po usually ang magpa-file kung employed ka pa or kung na-submit na nila before ka nag-resign. SSS says employed members notify through employer, while voluntary/separated members notify SSS directly.

Simple answer:
Hindi na po usually HR ang magpapasa kung resigned ka na. File ka na po mismo ng MAT-1 sa My.SSS, then keep your resignation/separation documents in case hingin sa filing.

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

Video guide for EDD February 2027:
https://youtu.be/FvI2gVRmKEM?si=ejIDbagMWfc4NPn0

Hi mommy 😊 Hindi naman automatic na ma-decline agad dahil ikaw ang nag-file ng MAT-1 directly, kahit employee ka.

Pero since employed member ka, ang proper process is dapat i-notify mo rin ang HR/employer mo, kasi si employer ang usually magta-transmit/confirm sa SSS and sila rin ang magpa-process ng maternity benefit/reimbursement.

Yung dalawang beses na MAT-1 filing, hindi rin automatic decline. Pero mas okay na:

i-save mo ang screenshot/reference number ng MAT-1
sabihin agad sa HR na nakapag-file ka directly sa My.SSS
ipa-check sa HR/SSS kung alin ang valid notification sa account mo
make sure ma-process pa rin ang maternity benefit application after delivery

Possible issue lang kung hindi updated si employer or may mismatch sa filing, kaya mas safe ipa-verify habang buntis ka pa.

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

Hi mommy 😊 Hindi naman po usually maaapektuhan ang MatBen mo dahil lang may duplicate MAT-1 with the same EDD. Ang importante, may proof ka na nakapag-file ka before delivery, kaya save mo ang screenshot/reference number ng June and July filing.

Kung December 2026 ang actual delivery mo, ang qualifying period mo ay July 2025–June 2026. Since nag-resign ka ng June, counted pa rin ang employer contributions mo basta paid and posted. Ang July onwards na hulog ay hindi na kasama sa Dec 2026 MatBen computation.

Dahil separated ka before delivery, ikaw na usually ang mag-file ng MAT-2 / Maternity Benefit Application after manganak. Possible hingin ng SSS ang Certificate of Separation with separation date and certification na wala kang natanggap na advance maternity payment.

Best step mommy: ipa-verify sa SSS branch kung alin sa dalawang MAT-1 ang active, para hindi magka-conflict sa filing. Huwag na muna mag-file ulit.

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

Watch the EDD December 2026 guide:
https://youtu.be/BGd2vdgpqc8?si=P8RitlfNYnqaaxjn

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

Hi mommy 😊 Kung August 2026 ang actual delivery, ang qualifying period mo ay April 2025–March 2026. Kasama ang January–March 2026, pero hindi na kasama ang April 2026. Kailangan ng at least 3 paid at posted contributions, at ang 6 highest MSC ang gagamitin sa computation.

Kung may SSS email na successfully submitted ang MAT-1 at may reference number, usually hindi na kailangang i-resubmit dahil lang late na-post ang contributions. I-save ang email at screenshot, then ipa-verify muna sa SSS kung bakit hindi makita sa employer portal bago mag-submit ulit para maiwasan ang duplicate.

Late ang June 2026 remittance para sa January–March, pero bilang employee, hindi dapat mawala agad ang entitlement mo dahil sa delay ng employer. Siguraduhin lang na posted na ang contributions at ipa-verify sa SSS.

Last QP month: March 2026 — employer remittance for March should normally be made on or before end of April 2026.

Pakicheck din mommy kung April 22, 2026 ang notification date; kung April 22, 2025 talaga, ipa-verify sa SSS.

https://sssmaternitybenefitscalculator.com

Hi mommy 😊 Since employed ka, si employer/HR ang dapat mag-submit ng MAT-1 sa SSS immediately after receiving your maternity notice.

Follow up agad and ask for the MAT-1 submission confirmation/reference number. Keep proof na nag-notify ka, like email or signed document or pwede mo din ma check sa SSS account mo punta ka lang sa Services then Maternity benefits then under Inquiry or history makikita mo po Submitted or kung may nakita ka na transaction number if you’re browsing mobile. If hindi pa rin nila i-submit, contact SSS or visit a branch and bring your proof of notification.

Dapat ma-submit ito before ka manganak. Check guide/estimate here:
https://sssmaternitybenefitscalculator.com