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Question

Voluntary General Question
Question from Kim
Jul 30, 2026

Hello po. I have few questions po.

1. Nakapaghulog po ako ng July to September contribution worth Php 2850 each. Then sinubukan ko pong hulugan pa ang April to June worth tig Php 3150 each at nagreflect naman po agad sa account ko. Nakalagay po kasi dito sa calculator na pwede pang bayaran ang contribution ng April to June until July 30 so hinabol ko po. Ang tanong ko po ay counted po ba sa maternity benefit ko po ang April to June? Considered po ba itong late payment na at hindi na po maisasama sa computation ng mat ben?

2. Kung counted po, mga magkano po kaya possible makuha if my contributions are:
April- 3150
May- 3150
June- 3150
July- 2850
August- 2850
September- 2850

3. I-clarify ko na din po, sa profile ko po ay nakalagay na status pa din ay employee pero I paid as voluntary. Nag automatic change po ba ang membership from employee to voluntary? Or need ko pa pong lakarin ang change of membership sa branch?

Maraming salamat po.

Answer from SSS Maternity Calculator Team Answered Jul 30, 2026

Hi mommy 😊

Based sa details mo (If EDD is January / February or March 2027):

1. Counted ba ang April–June 2026?
Yes, possible na counted siya. Since nabayaran mo siya within July at nag-post agad sa account mo, hindi siya dapat ma-consider na late for your February 2027 MatBen. Pasok pa rin siya sa qualifying period mo.

2. Magkano possible MatBen?
Kung ito ang posted contributions mo:

April – ₱3,150
May – ₱3,150
June – ₱3,150
July – ₱2,850
August – ₱2,850
September – ₱2,850

Estimated SSS maternity benefit mo for 105 days is around ₱68,250.

3. Employee pa rin ang status ko sa profile pero nagbayad ako as Voluntary.
Kung tinanggap ng My.SSS ang payment mo bilang Voluntary at posted na ang contributions, usually hindi mo na kailangang pumunta sa branch para lang sa membership change. Ang pag-generate ng PRN at pagbabayad bilang Voluntary serves as your declaration for that contribution period. Kung gusto mo lang ma-confirm, pwede mong i-check ang contribution details sa My.SSS o mag-inquire sa SSS hotline/branch.

Mukhang ok naman po yung paghabol ng payment mo for April–June. I-save mo lang ang PRN at payment receipts hanggang matapos ang maternity claim.

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

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Question

Employee General Question EDD: March 2027
Question from kath
Jul 30, 2026

hi po , pwede pa po ba ako magbayad ng contri ng april to june 2026 ngayon? employed po ako dati , last hulog po is 2021 pa , mag voluntary po sana ako magbayad ngayon para makakuha ng mat benefit. edd po is march 2027

Answer from SSS Maternity Calculator Team Answered Jul 30, 2026

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

Yes, kung July 2026 pa ngayon, possible mo pang bayaran ang April–June 2026 as Voluntary, basta may valid PRN, accepted ni SSS, at mabayaran on or before end of July 2026. Dapat posted din xa bago mag end ang July, kasi kung August po xa ma post magiging late payment po xa

Since last hulog mo ay 2021 pa, hindi na counted yung old contributions sa March 2027 MatBen. Pero kung mababayaran at ma-post mo ang April, May, June 2026, may 3 months ka na sa qualifying period, so possible kang maka-qualify.

Pwede ka mag-generate ng PRN sa My.SSS or SSS Mobile App, then choose Voluntary as membership type. Kung tinanggap ang voluntary payment at posted, usually okay na iyon as declaration na voluntary ka for that period.

Kung kaya pa, pwede mo rin hulugan ang July–September 2026 para mas tumaas ang possible maternity benefit.

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

Watch the EDD March 2027 guide:
https://youtu.be/Wk5uDmaHl4g?si=CWFjXwU72xBWm_fW

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

Check your EDD, member type, months & deadlines
Your March 2027 EDD and Employee member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
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Question

Self-Employed General Question
Question from Sherr
Jul 29, 2026

Makakautang gap po ba ako ng maternity benifits last October 2025 lng ako nagsimula maghulog

Answer from SSS Maternity Calculator Team Answered Jul 29, 2026

Hi mommy 😊 Possible po, pero kailangan malaman ang EDD month/year mo para ma-check ang exact qualifying period.

Kung October 2025 ka lang nagsimula maghulog, may chance kang qualified basta may at least 3 paid and posted contributions sa qualifying period mo.

Example:

Kung Jan /Feb/March 2027 ang EDD mo, qualifying period is October 2025–September 2026 — possible qualified ka kung may at least 3 posted months.
Kung April–June 2027 ang EDD mo, qualifying period is January 2026–December 2026 — possible qualified ka kung may at least 3 posted months in 2026.
Kung late 2026 ang EDD mo, depende kung pasok ang October 2025 onward sa qualifying period.

Pakicomment mommy ang EDD month/year mo para ma-check kung qualified at magkano possible makuha.

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

Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
View UnionBank Offer
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Question

OFW - Land-based Contribution / Payment Deadline EDD: March 2027
Question from Maria
Jul 29, 2026

EDD ko po March 2027 at OFW - Land-based member po ako. Sa calculator, inilagay kong paid/posted ang October 2025, November 2025, December 2025, January 2026, February 2026, March 2026, April 2026, May 2026, June 2026, July 2026, August 2026, and September 2026. Kakaalam ko lang po na pregnant ako at gusto kong malaman kung maaari pa akong maghulog para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Paano ko po maavail yun 70k maternity my hulog po ako 1200 pero gusto ko pong 3000 etong July kasi kakaalm ko lang na buntis ako, updated naman po ako sa bayaran

Answer from SSS Maternity Calculator Team Answered Jul 29, 2026

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

Since updated ka at may hulog ka from October 2025–September 2026, possible qualified ka na basta paid and posted.

Pero para makuha ang ₱70,000 max MatBen, kailangan may 6 months na maximum MSC ₱20,000 within the qualifying period. Usually around ₱3,000/month regular SSS contribution ito, or kung ano ang exact amount na lalabas sa My.SSS PRN.

Kung dati ₱1,200/month ang hulog mo, around ₱8,000 MSC lang iyon. Kung July–September 2026 mo lang gagawing ₱3,000/month, hindi pa aabot ng ₱70,000 kasi 3 months lang ang max MSC.

Possible estimate:

Oct 2025–June 2026 at ₱1,200 + July–Sept 2026 at ₱3,000 = around ₱49,000 for 105 days
6 months at ₱3,000/month within QP = possible ₱70,000 max

Kung hindi kapa naka hulog ng July 2026 to Sept 2026, Pwede mong taasan ang hulog mo starting July 2026, lalo na OFW Land-based ka, pero hindi usually puwedeng ā€œtop-upā€ ang old months na already paid at posted.

Important: bayaran ang July–September 2026 on or before end of Sept. 2026 para counted sa March 2027 MatBen. (1PRN po yan)

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

Watch the EDD March 2027 guide:
https://youtu.be/Wk5uDmaHl4g?si=CWFjXwU72xBWm_fW

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

Check your EDD, member type, months & deadlines
Your March 2027 EDD and OFW - Land-based member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
View UnionBank Offer
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Question

Non-Working Spouse General Question
Question from Jovanna
Jul 29, 2026

Makakatanggap ba ako ng maternity benefits Yung hulog ko po is from 2024 until March 2026 lang po, Ngayon po nalaman ko po na buntis ako ng punta po ako sa SSS branch po ng Tanong po ako Kung qualified ba ako, ang sabi naman quafied daw po ako Kasi may hulog Naman daw until March 2026 pero need ko daw po bayaran ang April, Kaso Hindi ko po binayaran ang April qualify po ba ako?

Answer from SSS Maternity Calculator Team Answered Jul 29, 2026

Hi mommy 😊 Possible qualified ka pa rin kahit hindi mo nabayaran ang April, basta may at least 3 paid and posted contributions sa qualifying period mo.

Kung hulog mo ay tuloy-tuloy from 2024 hanggang March 2026, usually may sapat kang hulog para maka-qualify, lalo na kung sinabi rin ng SSS branch na qualified ka.

Yung April 2026 hindi naman siya automatic requirement para ma-qualified. Maaari lang siyang makatulong para mas mataas ang computation, depende sa EDD mo at kung kasama siya sa qualifying period.

Ang pinaka-importante:

dapat may at least 3 paid and posted contributions sa qualifying period
dapat paid before the semester of contingency
dapat nakapag-file ng maternity notification/MAT-1 before delivery

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

Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
View UnionBank Offer
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Question

Non-Working Spouse General Question
Question from Jovanna
Jul 29, 2026

Makakatanggap ba ako ng maternity benefits Yung hulog ko po is from 2024 until March 2026 lang po, Ngayon po nalaman ko po na buntis ako qualify po ba ako?

Answer from SSS Maternity Calculator Team Answered Jul 29, 2026

Hi mommy 😊 Possible qualified ka, pero kailangan malaman ang EDD month/year para sure ang qualifying period.

Kung ang hulog mo ay from 2024 hanggang March 2026, may chance kang qualified kasi kailangan lang ni SSS ng at least 3 paid and posted contributions within the qualifying period.

Example:

Kung July–September 2026 ang EDD mo, qualifying period is April 2025–March 2026 — possible qualified ka.
Kung October–December 2026 ang EDD mo, qualifying period is July 2025–June 2026 — possible qualified ka pa rin kung may hulog ka from July 2025–March 2026.
Kung January–March 2027 ang EDD mo, qualifying period is October 2025–September 2026 — possible qualified ka dahil may Oct 2025–March 2026 ka.

Pakicomment mommy ang EDD month/year mo para ma-check kung counted ang months mo at magkano possible makuha.

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

Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
View UnionBank Offer
Preparing for baby?
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Question

Employee MAT-1 EDD: November 2026
Question from ZEN
Jul 29, 2026

I'm an employee, pero ako ang nakapag file directly ng MAT 1 sa Website ng dalawang beses. Ma decline po ba ako sa maternity benefit?

Answer from SSS Maternity Calculator Team Answered Jul 29, 2026

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

Check your EDD, member type, months & deadlines
Your November 2026 EDD and Employee member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
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Question

Employee General Question
Question from Reygie
Jul 29, 2026

Meron Po Akong existing salary loan at calamity loan oong 2022 na Hindi pa nabayaran ibabawas ba ito sa Aking maternity benefits

Answer from SSS Maternity Calculator Team Answered Jul 29, 2026

Hi mommy 😊 Yes, possible pong maibawas sa maternity benefit ang unpaid salary loan/calamity loan, lalo na kung loan pa iyon noong 2022 at may arrears/penalty na.

Hindi ibig sabihin na hindi ka qualified sa MatBen. Possible approved ang maternity claim mo, pero ang net proceeds na matatanggap mo ay mababa, or minsan zero, kung mas malaki ang unpaid loan balance, interest, or penalties.

Best gawin:

Check My.SSS → Loans kung magkano ang outstanding balance
Check My.SSS → Benefits kung may deduction sa maternity computation
Mag-request sa SSS ng computation breakdown para makita kung magkano ang MatBen at magkano ang ibinawas

So yes mommy, possible ma-deduct, pero depende sa exact loan balance and SSS computation.

Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
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Question

Voluntary General Question
Question from Jennylyn
Jul 29, 2026

Hinulugan ko ang november and december ng feb 2 late payment naba siya

Answer from SSS Maternity Calculator Team Answered Jul 29, 2026

Hi mommy 😊 Depende sa member type at year, pero kung Voluntary/SE/NWS ka at ang binayaran mo ay November at December contribution, usually kasama sila sa October–December quarter.

Ang normal deadline ng Oct–Dec quarter ay January 31 ng next year. Pero kung ang January 31 ay Saturday/Sunday/holiday, pwede pa ang payment sa next working day.

So kung ang payment mo ay February 2 at iyon ang next working day, possible na hindi late at counted pa, basta valid PRN at posted sa My.SSS.

Pero for maternity benefit, kailangan din na ang payment date ay before the semester of contingency mo. Pakicheck mommy sa My.SSS kung posted ang Nov–Dec, at kung may EDD ka, gamitin ang calculator para makita kung counted siya.

Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
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Question

Voluntary Contribution / Payment Deadline EDD: February 2027
Question from Rodelyn
Jul 28, 2026

EDD ko po February 2027 at Voluntary member po ako. Sa calculator, inilagay kong paid/posted ang July 2026, August 2026, and September 2026. Gusto ko pong malaman kung maaari ko pang bayaran ang July 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Can I still pay April to june

Answer from SSS Maternity Calculator Team Answered Jul 29, 2026

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

Yes, possible pa mabayaran ang April–June 2026 kung ngayon July 2026 mo siya babayaran, basta may valid PRN, accepted ng SSS, at ma-post on time. For Voluntary members, ang April–June quarter usually dapat mabayaran on or before end of July 2026.

Since October 2026 pa ang start ng semester of contingency mo, ang April–June 2026 ay counted pa kung paid/posted before October 2026 and within deadline.

Kung paid/posted mo na rin ang July, August, September 2026, qualified ka na with 3 months. Pero kung madadagdagan mo pa ng April–June 2026, mas tataas ang benefit.

Example kung ₱3,000 total SSS contribution per month:

July–September only = around ₱35,000
April–September 2026 = possible ₱70,000 max for 105 days

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

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

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

Check your EDD, member type, months & deadlines
Your February 2027 EDD and Voluntary member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
View UnionBank Offer
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

Affiliate disclosure: using these links helps support our website and keep it free. We may earn a commission at no extra cost to you. Approval and card terms are subject to UnionBank.

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