SSS Maternity Questions & Answers

Hi mommy 😊 Kung November 2026 ang actual delivery mo, ang qualifying period mo ay July 2025–June 2026.

Kasama sana ang April–June 2026 sa qualifying period. Pero dahil July 2026 na binayaran, hindi na po iyon counted sa MatBen kahit OFW ka, dahil nagsimula na ang semester of contingency noong July.

Possible ka pa ring qualified kung may at least 3 iba pang paid at posted contributions from July 2025–March 2026. Kung April–June lang ang contributions mo, hindi pa po sapat.

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

Watch the November 2026 guide:
https://youtu.be/gcbi5XMtmeQ?si=IqRNUneGHZ2V5A6q

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

Hi mommy 😊 Kung February 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Puwede mong gawing ₱3,000 monthly ang July–September 2026, pero hindi na possible ang full ₱70,000 dahil 3 months lang ang nasa ₱20,000 MSC. Assuming total contribution ang ₱1,200 at ₱3,000:

Around ₱35,000 kung July–September lang ang valid at posted
Up to around ₱49,000 kung valid at counted din ang at least 3 months na ₱1,200

Important mommy: dahil July mo lang binayaran ang January–June, hindi automatic na counted lahat. Kung Voluntary ka, hindi allowed ang retroactive/back-payment; ipa-check kung alin talaga ang valid at posted sa My.SSS.

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

Watch the February 2027 guide:
https://youtu.be/FvI2gVRmKEM?si=ejIDbagMWfc4NPn0

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

Hi mommy 😊 Kahit 7 years ka nang naghuhulog, hindi po total years or total contribution ang basehan ng maternity benefit.

Kailangan malaman ang EDD o actual delivery date at ang monthly posted contributions/MSC mo within the qualifying period. Gagamitin ni SSS ang 6 highest MSCs doon sa computation.

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

Hi mommy 😊 Kung November 2026 ang actual delivery mo, ang qualifying period mo ay July 2025–June 2026.

Pero kung July 2026 mo lang binayaran ang April–June 2026 at Voluntary, Self-Employed, or NWS ka, hindi na po iyon counted for this maternity benefit dahil July 2026 na nagsimula ang semester of contingency. Kahit accepted ang payment, hindi ibig sabihin na counted pa ito sa MatBen.

Kung may iba ka pang at least 3 paid at posted contributions from July 2025–March 2026, possible ka pa ring qualified. Kung itong 3 months lang ang hulog mo, most likely hindi po.

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

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

Hi mommy 😊 Kahit August or September 2026 ka manganak, ang qualifying period mo ay April 2025–March 2026.

Kung Voluntary, Self-Employed, or NWS ka, ang October–December 2025 na binayaran mo noong January 2026 puwedeng counted kung paid on or before January 31, 2026 at posted na.

Kung March 2027 talaga ang next payment mo, late na po iyon at hindi na counted. Pero kung March 2026 ang ibig mong sabihin, puwede pa itong ma-count basta valid ang PRN at paid at posted on time.

Kailangan may at least 3 paid at posted contributions within the qualifying period.

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

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

Hi mommy 😊 Assuming October 2026 ang actual delivery mo, ang qualifying period mo ay July 2025–June 2026.

Kung Voluntary or Self-Employed ka, okay lang na hindi muna maghulog from July onwards. Makaka-claim ka pa rin basta may at least 3 paid at posted contributions within the qualifying period. Hindi required na continuous ang hulog hanggang manganak.

Pero kung employed ka pa, employer mo pa rin ang required mag-remit habang employed ka.

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

Watch this guide for EDD October 2026:
https://youtu.be/DdHsEl6zse0?si=Vin69432t-YOf0w2

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

Hi mommy 😊 Kung January 3, 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Sa hulog mong July 2025–June 2026, ang counted lang ay October 2025–June 2026, so may 9 contributions ka kung paid at posted lahat. Pasok ka sa minimum na 3 contributions. Hindi na counted ang July–September 2025.

Hindi pa makukuha ang exact benefit without your monthly contribution or MSC. Gagamitin ni SSS ang 6 highest MSCs mo within the qualifying period.

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

Watch this guide for EDD January 2027:
https://youtu.be/AosGUymw4G8?si=nXlEDVfDNdHIIzxz

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

Hi mommy 😊 Kung February 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Pwede mong taasan ang contribution mo kung Voluntary or Self-Employed ka at allowed sa membership status at age mo. Pero kung posted na ang July payment mo na ₱750, hindi npo xa pwede ma increase if posted na. Do not duplicate contribution po. Check first kung puwedeng gumawa ng bagong PRN for the corrected amount, or ipa-adjust sa SSS para hindi maging duplicate payment.

Ang July–September 2026 lang po ang puwedeng makatulong sa maternity benefit computation mo. Hindi na kasama ang October–December 2026. Hindi rin automatic na magiging ₱70,000 ang benefit dahil kailangan ng 6 months na ₱20,000 MSC para maabot ang maximum.

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

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

Check your estimate here, mommy:
https://sssmaternitybenefitscalculator.com

Hi mommy 😊 Kung October 2026 din ang actual delivery, ang qualifying period mo ay July 2025–June 2026.

Possible pa rin ang maximum ₱70,000 for 105 days kahit May pa lang ang last posted contribution, basta may 6 months na ₱20,000 MSC within the qualifying period. Hindi required na kumpleto lahat ng 12 months, pero kailangan may at least 3 paid at posted contributions.

For employees, monthly po ang employer remittance, hindi quarterly:

• April 2026 — on or before end of May 2026
• May 2026 — on or before end of June 2026
• June 2026 — on or before end of July 2026 (for matben due must be on or before end of the last QP Month: June)

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

Hi mommy 😊 Kung August 14, 2026 ang EDD mo, ang qualifying period mo ay April 2025–March 2026.

Hindi pa po makukuha ang exact maternity benefit based lang sa ₱27,000 total contributions from 2024–2026. Kailangan makita ang monthly posted contributions mo within the qualifying period at malaman kung employee share lang ba iyon o total contribution.

Gagamitin ni SSS ang 6 highest MSCs mo within the qualifying period, at kailangan may at least 3 paid at posted contributions.

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

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