SSS Maternity Questions & Answers

Hi mommy 😊 If this is for a miscarriage/ETP claim, SSS usually needs more than just a film and Medical Certificate. The ultrasound image/film alone may be rejected if there’s no written report signed by a physician. Social Security System
For proof of pregnancy, you can submit any one of these:
– Pregnancy test result signed by a physician/municipal health officer
– Ultrasound with written report signed by a physician
– Blood pregnancy test (Beta HCG)
– Early Pregnancy Factor test Social Security System
For proof of miscarriage/termination, SSS can accept a physician-signed:
– pregnancy test result
– ultrasound result
– Histopathology report
– Operating Room Record (ORR) Social Security System
And you also need one medical document such as a Medical Certificate, Records of Consultation, or Clinical Abstract/Discharge Summary, signed by your doctor. Make sure the doctor’s name and PRC license number are visible. Social Security System
So mommy, if wala ka talagang ultrasound written report, I would ask the clinic/hospital for your Beta HCG result, Records of Consultation, Clinical Abstract/Discharge Summary, ORR, or Histopathology report, whichever exists. These are stronger supporting documents than the film alone.
👉 SSS Maternity Calculator:
https://sssmaternitybenefitscalculator.com

Hi mommy 😊 Tama po ang pagkaintindi mo. For EDD March 2027, ang qualifying period mo ay October 2025–September 2026. SSS will use the 6 highest MSCs within that period to compute your MatBen. Social Security System
So for this specific pregnancy:
October 2026–December 2026 ❌ hindi na makakadagdag sa March 2027 MatBen computation.
Kung may kulang kang months within October 2025–September 2026, iyon ang mas important. And since September ang last qualifying month, contributions intended for this MatBen should be paid on or before end of September.
Possible na ang advice ng SSS branch na ituloy hanggang December ay para continuous ang SSS coverage mo at useful sa future benefits, pero hindi para palakihin ang March 2027 maternity benefit. Social Security System
So kung limited ang budget mo, for this MatBen specifically, hanggang September 2026 lang ang relevant sa computation. ✅
👉 Calculator:
https://sssmaternitybenefitscalculator.com
🎥 March 2027 EDD guide:
https://youtu.be/Wk5uDmaHl4g

Hi mommy 😊 For EDD January 19, 2027, ang qualifying period mo ay October 2025–September 2026. Kailangan may at least 3 valid monthly contributions within that period para maka-qualify sa SSS MatBen. Social Security System
Since ngayon ka pa lang magsisimula, may chance pa kung existing SSS member ka na dati at eligible kang mag-Voluntary. Ang pinaka-importanteng months ngayon are July, August, at September 2026, and for this MatBen, bayaran sila on or before end of September para maisama. Social Security System
Pero kung brand-new SSS account talaga at wala ka pang kahit isang previous valid contribution, hindi ka puwedeng magsimula agad as Voluntary. SSS says kailangan may prior coverage/contribution muna as Employee, Self-Employed, or OFW; otherwise, initial Voluntary payments can be void/refunded. Social Security System
👉 Calculator:
https://sssmaternitybenefitscalculator.com
🎥 January 2027 EDD guide:
https://youtu.be/AosGUymw4G8

Hi mommy 😊 Yes po, pasok ang October 2025–May 2026 contributions mo.
For EDD October 2026, ang qualifying period mo ay July 2025–June 2026. So counted lahat ng hulog mo from October 2025 hanggang May 2026 ✅. That gives you 8 qualifying months, which is more than the minimum 3 monthly contributions needed to qualify for SSS MatBen. Social Security System
Ang exact amount na makukuha mo will depend sa 6 highest MSCs within that qualifying period.
👉 Calculator:
https://sssmaternitybenefitscalculator.com
🎥 October 2026 EDD guide:
https://youtu.be/DdHsEl6zse0

Hi mommy 😊 For EDD May 2027, ang qualifying period mo ay January–December 2026, so July 2026 ✅ counted sa MatBen computation.

Kung Voluntary/NWS member ka, puwede pa ang July contribution as part of the July–September quarter, payable on or before end of September 2026 this is for Matben Due date pero normaly sa SSS contribution kapag nag Generate ka ng PRN ang lalabas na Due date is on or before end of October. Kung Matben claim ka Mommy make sure mahulugan mo yan on or before end of September or as early as possible bago matapos ang last month ng Qualifying Period mo.

Kung Self-Employed ang membership type mo, sabihin mo lang mommy dahil iba ang current payment deadline rule natin iche-check.

🎥 May 2027 EDD guide:
https://youtu.be/KFe0LP29rsM

Hi mommy 😊 For EDD January 2027, ang qualifying period mo ay October 2025–September 2026. Counted lahat ng February–June employer contributions at July voluntary contribution mo. SSS uses the 6 highest MSCs within this period.

Based sa amounts na binigay mo kung ito yung total contribution amounts posted sa My.SSS, roughly ito ang MSC:

February ₱1,350 → ₱9,000 MSC
March ₱1,875 → ₱12,500 MSC
April ₱1,800 → ₱12,000 MSC
May ₱1,800 → ₱12,000 MSC
June ₱750 → ₱5,000 MSC
July ₱3,000 Voluntary → ₱20,000 MSC

So qualified ka na, pero kung hanggang July lang ang ₱3,000 contribution mo, estimated MatBen is around ₱41,125, not ₱70,000.

Kung mag-₱3,000 ka rin for August at September, estimated MatBen could increase to around ₱56,292. Hindi pa rin ₱70,000 because kailangan ng 6 months na ₱20,000 MSC para ma-max ang 105-day benefit.

Kung may contributions ka rin from October 2025–January 2026, send mo mommy yung amounts kasi baka mas mataas pa ang possible MatBen mo.

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

Hi mommy 😊 Yes po, generally mandated ang current employer mo na magbayad ng salary differential, kahit 3 months lang ang contributions na ginamit ng SSS sa MatBen computation, as long as employed ka when you avail maternity leave and hindi DOLE-exempt ang company.

For EDD December 2026, qualifying period mo is July 2025–June 2026.

Ang setup is:

Full pay for 105 days based sa regular salary mo
minus actual SSS MatBen
= salary differential na sagot ng employer.

So with around ₱100,000/month salary, malaking amount ang possible salary differential because your full pay for 105 days is roughly ₱350,000, then ibabawas ang actual SSS MatBen and applicable employee contributions.

Also check mommy kung may employer contributions for May–June 2026, since hired ka na noong May. Those months could also affect your SSS MatBen computation.

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

For EDD February 2027, ang qualifying period mo ay October 2025–September 2026. Since may hulog ka from October 2025 hanggang April 2026, mayroon kang 7 qualifying months, which is more than the minimum 3 monthly contributions required.

So kahit wala kang hulog from May–September 2026, possible ka pa ring qualified. Ang exact MatBen amount naman will depend sa 6 highest MSCs within your qualifying period.

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

Hi mommy 😊 If ang actual ectopic pregnancy/termination date mo ay July 20, 2020, ang qualifying period mo ay April 2019–March 2020.

So sa contributions na sinabi mo:

January 2020 ✅ counted
February 2020 ✅ counted
March 2020 ✅ counted
April–June 2020 ❌ hindi na kasama sa qualifying period

If valid at properly paid ang January–March 2020, mayroon kang required 3 qualifying contributions, so possible kang qualified for SSS maternity benefit for 60 days dahil covered ang ectopic pregnancy under miscarriage/ETP benefits.

Good news din mommy: SSS maternity claims may be filed within 10 years from the date of miscarriage/ETP, so kung July 20, 2020 ang actual date, possible pa ring mag-file ngayon subject to SSS validation and complete medical documents.

Hi mommy 😊 Yes po, pasok ang April–June 2026 payments mo for EDD March 2027, provided nabayaran sila on or before July 31, 2026 at properly posted sa My.SSS. Hindi po sila considered late kung within that quarterly deadline ang payment.

Ang qualifying period mo ay October 2025–September 2026, kaya counted ang:

April–June 2026 ✅
July–September 2026 ✅

If mabayaran mo rin ang July–September before October at ₱3,000/month lahat ng 6 months, possible kang umabot sa ₱70,000 MatBen for 105-day live childbirth, provided valid at posted lahat. 😊

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