SSS Maternity Questions & Answers

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Voluntary Disbursement / Bank
Question from Rose
Asked Jul 3, 2026

Do you also check po DAEM status? Nag enroll po ako ng daem using my metrobank account. First attempt, rejected due to lacking documents sa selfie. Nag second attempt ako using the same bank account. Nawala po unh status na for branch approval and wala akong na received na email na status ng enrollment ko and wala ding active account under sa DAEM. No records found lang po dun. Kaya i tried to enroll again using the same mb account po pero nag pop up message na “Enrollment failed. You can only use one account per bank. Your Metrobank account is already enrolled or in use.” Ano po meaning neto? Meaning po ba in process po sa review and verification ang sss for approval or rejected na at d na magagamit bank account ko?

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Answer from SSS Maternity Calculator Team: Answered Jul 4, 2026

Hindi ko po directly ma-check ang personal DAEM status mo, mommy. Pero yung message na “account is already enrolled or in use” means may existing record na si SSS para sa Metrobank account mo. Hindi ibig sabihin nito na approved na—possible na pending pa ang second submission or hindi pa na-clear sa system yung rejected enrollment.

Since wala pang lumalabas na Active Account, huwag muna gamitin iyon as confirmed/approved DAEM. SSS requires an approved disbursement account for maternity benefit payment.

Best gawin:

Huwag muna mag-submit ulit gamit ang same account.
Screenshot the error and check your registered email/spam.
If wala pa ring status, visit an SSS branch and request “DAEM/Proof of Account verification.”
Bring your UMID/PhilID or two valid IDs, original Metrobank proof of account, at screenshot ng error. Ito mismo ang process na stated sa SSS Circular 2022-019.

Pwede ka ring tumawag sa 1455 or email usssaptayo@sss.gov.ph

Prepare the correct maternity claim requirements
Review the filing documents and steps that may apply before submitting your claim.
Employee Miscarriage / Stillbirth EDD: August 2026
Question from Bless
Asked Jul 2, 2026

Hi edd ko Po august 2026 nakunan Po Ako march 10, 2026
Paid ko Po is July -dec2025 to January to april2026
Mag Kano Po kaya ang makukuha ko
1275 Po ang bawas Sakin Ng employer ko salamat Po sa sasagot

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

Hi mommy, sorry po sa nangyari 🥺

Since March 10, 2026 ka nakunan, ang susundin ni SSS is miscarriage date, not August EDD.

Ang qualifying period mo is October 2024 to September 2025. So sa hulog mo, counted lang ang July–September 2025. Yung October 2025 onwards hindi na counted for this miscarriage claim.

Kung ₱1,275 ay bawas sa payslip/employee share, rough estimate mo is around ₱20,000 for miscarriage/60 days. Pero kung ₱1,275 total contribution yan, around ₱8,500 lang estimate.

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

Check your estimated SSS maternity benefit
Use your member type, EDD, and contribution details to get a personalized estimate and next steps.
Employee Miscarriage / Stillbirth EDD: August 2026
Question from Blesila
Asked Jul 2, 2026

edd ko Po is august 2026 nakunan Po Ako Ng march 2026 may makukuha Po ba Ako 1275 Po hulog ko

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

Hi mommy, sorry po sa nangyari 🥺

Since March 2026 ka nakunan, ang susundin ni SSS is miscarriage month, not August EDD.

Ang qualifying period mo is October 2024 to September 2025. If may at least 3 posted contributions ka sa period na yan, qualified ka possible.

Kung ₱1,275 total contribution/month ang hulog mo and may 3 counted months, rough estimate is around ₱8,500 for miscarriage/60 days. If more than 3 months ang hulog mo, possible mas mataas.

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

Check your estimated SSS maternity benefit
Use your member type, EDD, and contribution details to get a personalized estimate and next steps.
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Voluntary Employer / Resigned / Separated
Question from Thea
Asked Jul 2, 2026

I have resigned to my employer last month June 2026, sila po ang nag file ng MAT-1 ko, sila parin po ba ang mag fi-file ng MAT-2 ko kahit resigned na ako?

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

Since resigned ka na, kahit sila ang nag-file ng MAT-1 mo before, ikaw na usually ang mag-file ng MAT-2 / maternity claim directly sa SSS after manganak, as separated member.

Humingi ka sa previous employer ng:

Certificate of Separation with effective date
Certification na no advance maternity benefit was paid

Make sure din na approved ang DAEM/bank account mo sa My.SSS para direct sa’yo ang payment.

Check guide/estimate here mommy:
https://sssmaternitybenefitscalculator.com

Check how to file after resignation or separation
See whether you should file through your former employer or directly with SSS.
Employee MAT-1 EDD: August 2026
Question from Melojoy
Asked Jul 2, 2026

Hi edd ko Po agust 2026
Paid ko Po is April 2025 to April 2026
Mag Kano Po kaya ang makukuha ko
2250 to 2450 Po ang bawas Sakin Ng agency ko po nag fill din Po Ako Ng Mat 1 pero Wala Po Ako na receid na email ni SSS salamat Po sa sasagot

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

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

Since paid ka from April 2025 to April 2026, counted ang April 2025 to March 2026, so qualified ka possible basta posted sa SSS.

Kung yung ₱2,250–₱2,450 ay bawas sa payslip/employee share, possible near or up to ₱70,000 ang makuha mo for normal/CS. Pero kung total contribution yan, possible lower.

Due date safe note: last counted month is March 2026, so dapat paid/posted on or before March 31, 2026 para safe.

About MAT-1, okay lang kahit walang email basta sa My.SSS/app nakalagay Submitted. Screenshot mo lang for proof.
Kung ikaw nag file ng Mat1 kailangan inform mo din ang HR/Employer mo at kung employed kaparin saknila hanggang manganak ka sila dapat mag file ng MAT2 mo

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

Prepare the correct maternity claim requirements
Review the filing documents and steps that may apply before submitting your claim.
Voluntary Qualifying Period EDD: December 2026
Question from Leslieann
Asked Jul 2, 2026

Pwede po ba ako mag hulog ngayon july kahit ang due date ko ay december 29 2026?

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

Hi mommy 😊 For EDD December 29, 2026, ang qualifying period mo is July 2025 to June 2026.

Kung July 2026 contribution ang huhulugan mo, hindi na siya counted sa Dec 2026 maternity benefit.

Pero kung ang ibig mo sabihin eh hahabulin ang April–June 2026 contribution hindi napo xa papasok or consider late payment na xa pero kung Mabago and EDD mo at manganak ka ng January, yung babayran mo na April to June magiging counted po xa, try mo agad sa My.SSS kung makakagawa pa ng PRN. (this is if old member kapo pero kung new member ka at ngayong July ka palang mag papa member hindi nadin po ma hahabol yung April to June contribution)
Check mo estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Voluntary Qualifying Period EDD: January 2027
Question from Lara
Asked Jul 2, 2026

Edd ko jan 2027 ano month po ako maghulpg para ma qualified sa matternity benefits

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

Hi mommy 😊 For EDD January 2027, ang qualifying period mo is:

October 2025 to September 2026

Need mo at least 3 posted contributions within that period para qualified sa SSS maternity benefit.

Kung maghuhulog ka pa lang, pwede mong hulugan ang months na kaya pang bayaran, like April–June 2026 pay on or before end of July (basta hindi mababago EDD mo kasi kung mabago xa to Decmeber hindi po ma cacount ang April to June Contribution mo kasi ma consider xa as late payment), then continue July–September 2026 para mas okay.

Due date safe note: last QP month is September 2026, so dapat paid/posted on or before September 30, 2026 para safe.

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

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Optional

Still Short on Hospital Budget?

Consider this only if you need a temporary payment option and can manage repayments responsibly.

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Voluntary Employer / Resigned / Separated EDD: October 2026
Question from Fatima
Asked Jul 2, 2026

EDD ko Po is Oct 2026. Nag resign na Po Ako sa dati Kong work May hulog Po Ang employer ko Nung Jan 1690 Feb,1105 year 2022. Tapos now Po nag voluntary payment Ako Ng Tig 1050 april-june. Magkano Po kaya makukuha ko?

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

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

Yung hulog mo noong 2022 ay hindi na counted. Pero yung April–June 2026 na ₱1,050/month ay counted, basta paid on time at posted sa SSS.

Kung ₱1,050 total contribution/month yan at 3 months lang ang counted, rough estimate mo is around ₱12,000+ for normal/CS delivery.

Due date safe note: last QP month is June 2026, so dapat paid/posted on or before June 30, 2026 para safe.

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

Check how to file after resignation or separation
See whether you should file through your former employer or directly with SSS.
Voluntary Qualifying Period EDD: February 2027
Question from Mai
Asked Jul 2, 2026

EDD ko po Feb 2027, tas Ang QP ko is Oct 2025 - Sept 2026. Pwede ko pa po bang bayaran Ang April-June 2026? pra at least makompleto ko yong six months na April - Sept sana. Hopefully masagot. Thank you!

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

Yes mommy, possible pa po 😊

For EDD February 2027, tama na ang QP mo is October 2025 to September 2026. Counted ang April–June 2026 if paid on time and posted.

Since July na, try gumawa agad ng PRN for April–June 2026 quarter. Usually due ito until July 31, 2026 for voluntary/SE quarterly payment. SSS requires at least 3 contributions in the QP, and contributions paid within/after the semester of delivery are not counted.

Then continue July–September 2026 para maging 6 months.
Last QP month due date: September 2026 should be paid/posted on or before September 30, 2026 para safe.

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

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Voluntary MAT-1 EDD: December 2026
Question from Joyce
Asked Jul 2, 2026

Hi, EDD ko po is December 2026. Paid on time for Jan-May. Pero for JUNE 2026 - July po ako nakapag bayad. Counted pa rin po ba ito for MATBEN? And, need ko pa po ba icontinue ang hulog after?

Also, wala po akong nareceive na email confirmation for MAT-1, pero sa website/app makikita na for MAT-1 under inquiry meron na po nakalagay na submitted and ref number.

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

Hi mommy 😊 For EDD December 2026, ang QP mo is July 2025 to June 2026.

If Jan–May 2026 are paid/posted, qualified ka na possible kasi may at least 3 contributions. But yung June 2026 na paid in July, may risk na hindi na counted sa MATBEN computation, kasi July starts the semester of delivery, and SSS says contributions paid within/after the semester of contingency are not considered.

Still, since may Jan–May ka, may makukuha ka pa rin possible; baka lang lower if hindi counted ang June.

No need to continue hulog after June para sa Dec 2026 MATBEN, kasi July onward hindi na counted, but okay ituloy for future SSS benefits.

About MAT-1: okay lang kahit walang email. If sa My.SSS/app may Submitted + reference number, screenshot mo lang para proof.

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

Prepare the correct maternity claim requirements
Review the filing documents and steps that may apply before submitting your claim.

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Preparing for Baby Expenses?

Hospital delivery in the Philippines can easily cost ₱60,000 - ₱200,000 depending on the hospital and type of delivery. Many parents use a credit card to manage these expenses while waiting for their SSS maternity benefits.

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