SSS Maternity Questions & Answers

Hi mommy yes po accurate, Possible nagkaiba kasi baka sa calculator na-enter mo yung hulog as employee share/payslip deduction, kaya lumabas ₱70k. Pero kung yung ₱1,875–₱2,475 ay total SSS contribution, hindi pa siya max. Para maka-₱70k, kailangan 6 highest months mo ay nasa ₱20,000 MSC / max Regular SS basis. Based sa hulog mo as total contribution, rough estimate is around ₱47k–₱48k, not ₱70k. Kaya possible na mas malapit ang company estimate na ₱42k, lalo na kung may months na hindi pa posted/accepted or lower MSC ang ginamit nila.

Check mo ulit dito and choose the right input type:
https://sssmaternitybenefitscalculator.com

Yes mommy, possible pa ma-count 😊

For EDD December 2026, ang qualifying period mo is July 2025 to June 2026, so April, May, June 2026 are counted months.

Since June 30, 6PM pa lang, try to pay right away today using PRN for April–June 2026. SSS allows self-employed/voluntary payments monthly or quarterly through PRN, and maternity contributions must be within the QP and not paid on/after the semester of delivery.

Safe note: since June 2026 is the last month of your QP, best na paid today June 30, 2026 and posted correctly.

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

Yes mommy, may makukuha ka pa rin possible 😊

Since Sept 30–Oct 3 ang possible delivery mo, ang susundin ni SSS ay actual date ng panganganak:

If Sept 2026 ka manganak: QP is April 2025–March 2026
If Oct 2026 ka manganak: QP is July 2025–June 2026

Kung nahulugan ka ng employer sa buong QP, qualified ka possible basta posted sa SSS. SSS requires at least 3 contributions in the correct qualifying period.

Since resigned ka na, after manganak ikaw na usually mag-file as separated member. Prepare Certificate of Separation and No Advance Maternity Benefit from employer, plus approved DAEM/bank account.

Kung “submitted” ang MAT-1 sa My.SSS, screenshot mo po. Amount depends sa 6 highest MSC, pero if max contributions ang QP mo, possible ₱70k for normal/CS. Check estimate here mommy:
https://sssmaternitybenefitscalculator.com

Hi mommy 😊 Yes, for EDD March 27, 2027, ang QP mo is October 2025 to September 2026.

Kung Voluntary ka na, possible pa bayaran ang April–June 2026 sa July, basta makagawa ka ng PRN for April–June quarter, paid before deadline, and posted sa SSS.

Due date: April–June quarter is usually until July 31, 2026.
Safe note: last QP month is September 2026, so dapat paid/posted before October 2026 semester starts.

Yung October–November 2025 na hindi hinulugan ng employer, employer responsibility po iyon. Ask them/SSS if pwede pa i-correct/remit.

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

Yes mommy, qualified ka possible 😊

For EDD December 2026, ang qualifying period mo is July 2025 to June 2026. If posted na ang April, May, at June 2026, may 3 contributions ka na, so possible qualified ka na basta paid on time at posted sa SSS.

Due date safe note: since June 2026 ang last month ng QP, mas safe na paid/posted siya on or before end of June 2026.

For MAT-1, pwede ka na mag-file as soon as confirmed ang pregnancy. Dapat ma-submit before ka manganak. If voluntary ka, file sa My.SSS. If employed ka, notify HR.

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

Yes mommy, counted pa rin ang 2025 contributions mo kahit nag-switch ka na to Voluntary 😊

For EDD September 2026, ang qualifying period mo is:

April 2025 to March 2026

So yung employer contributions mo in 2025 are still valid basta posted sa SSS and pasok sa QP. Hindi po nawawala iyon just because nag-voluntary ka na.

Due date safe note: last counted month is March 2026, so dapat paid/posted before April 2026 semester starts.

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

Yes mommy, since separation date mo is June 30 and hindi ka na nila bibigyan ng cash advance, ikaw na ang mag-file directly sa SSS after manganak as separated member 😊

Next steps mo:

Save screenshot ng MAT-1 status na “Submitted” sa My.SSS.
Ask HR for Certificate of Separation with:
effective date: June 30, and no advance maternity benefit was paid.
Make sure may approved DAEM/bank account sa My.SSS under your name.
After manganak, file Maternity Benefit Application / MAT-2 in My.SSS as separated member.
Tell HR in writing: “Please certify in My.SSS that no advance maternity benefit was paid to me.”

SSS Circular 2023-011 says separated members who did not receive advance payment may file the maternity benefit application directly with SSS, and the previous employer may need to certify online before SSS processes/payment.

Para hindi mapunta sa previous employer: do not sign/accept any cash advance from them, file using your own My.SSS/DAEM, and submit the certificate saying no advance payment. If closed na company or hindi makakuha ng certificate, SSS has an Affidavit of Undertaking for Non-Receipt of Advance Payment option.

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

If separated ka na from employer, mommy, pwede ka pa rin makakuha basta qualified ka sa contributions 😊

For EDD Aug. 20, 2026, QP mo is April 2025 to March 2026. Need at least 3 posted contributions within that period.

Since separated ka na, ikaw na usually mag-file sa My.SSS after manganak. Prepare:

Certificate of Separation with effective date
Certification of no advance maternity benefit from employer
Valid ID, birth documents, and approved disbursement account

For MAT-1, kung hindi na-file before, try to file/confirm sa My.SSS or ask SSS branch, kasi better if may maternity notification before delivery.

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

Yes mommy, qualified ka possible 😊

For EDD January 2027, ang qualifying period mo is October 2025 to September 2026. Since may hulog ka from October 2025 to March 2026, may at least 6 contributions ka na sa QP, basta posted sa SSS. SSS requires at least 3 paid contributions within the qualifying period.

Since unemployed ka na since April, you may file as a separated member. Prepare Certificate of Separation with effective date and no advance maternity payment from your previous employer.

Due date safe note: last QP month is September 2026, so if gusto mo pa dagdagan, pay voluntary months up to Sept 2026 on time.

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

Hi mommy 😊 For EDD January 2027, ang qualifying period mo is October 2025 to September 2026.

Based sa hulog mo from October 2025 to March 2026, may 6 contributions ka na and mukhang max/above max ang hulog mo. So estimated maternity benefit mo is around:

₱70,000 for normal delivery or CS
₱80,000 if qualified solo parent

SSS maternity needs at least 3 contributions in the QP, and the benefit is based on the maternity computation rules for the compensable days.

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