SSS Maternity Questions & Answers

Hi Mommy, kailangan po namin ma check muna kelan ba ang EDD mo para ma check namin accurate kung anung qualifying period mo at kung kasama ba sila sa kina count ni SSS for Matben.
Pwede mo din macheck sa link kung anung months ang qualifying period mo, ilagay mo lang ang member type mo, maternity case at EDD mo.

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

Hi mommy 😊 Since actual delivery mo ay July 31, 2026, ang qualifying period mo ay April 2025–March 2026.

Kung Voluntary/Self-Employed ka at binayaran mo ang October–December 2025 noong January 29, 2026, counted po sila ✅ dahil pasok pa sa quarterly payment deadline na on or before end of January 2026.

Yung January 2026 ✅ counted din. At kung ang February at March 2026 contributions mo ay valid at nabayaran before April 2026, counted din sila sa MatBen computation.

So yes mommy, mabibilang ang October–December 2025 na binayaran mo January 29. 😊

Mommy, for EDD Nov. 13, 2026, ang qualifying period mo is July 2025 to June 2026.

Hindi na po puwedeng hulugan ang missed 2025 months para habulin ang maternity benefit. SSS says missed months become gaps and retroactive payment is not allowed for voluntary members.

Sa hulog mo na January 2026 to December 2026:

Counted sa Nov 2026 claim: January to June 2026 only
Hindi counted: July to December 2026

Pero important mommy: kung ang January to June 2026 ay binayaran mo lang July 2026 or later, may risk na hindi siya i-count ni SSS for this maternity claim. SSS says retroactive OFW payments may not be used for benefit eligibility if paid within/after the excluded period for the claim.

About status: kung hindi ka na OFW ngayon, pwede ka magbayad as Voluntary member moving forward. SSS says choosing “Voluntary” in PRN means declaration na ceased ka na as EE/SE/OFW for that period.

Estimate kung valid counted ang Jan–June 2026 at ₱1,200/month contribution: possible around ₱28,000 for 105 days, not ₱70,000.

Para umabot sa ₱70,000, kailangan sana may 6 highest MSC na ₱20,000 sa qualifying period. Since ₱1,200/month contribution is around ₱8,000 MSC only, hindi siya aabot sa max.

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

Video guide for EDD November 2026:
https://youtu.be/gcbi5XMtmeQ?si=IqRNUneGHZ2V5A6q

Mommy, depende po sa EDD ninyo.

Kung ang EDD ninyo ay January, February, or March 2027, ang qualifying period ay October 2025 to September 2026. So kung may hulog ka na sa July, August, and September 2026, may 3 months ka na. Hindi na kailangan ang October–December 2026 para maka-qualify sa maternity claim na iyon, kasi hindi na sila counted for that EDD.

Pero kung ang EDD ninyo ay April, May, or June 2027, counted pa ang October–December 2026, so makakatulong pa sila lalo na kung gusto mong mas mataas ang possible benefit.

SSS requires at least 3 paid contributions sa 12-month qualifying period before delivery/miscarriage, and only contributions paid before the semester of contingency are considered.

Mas sure mommy, i-check mo dito:
https://sssmaternitybenefitscalculator.com/

Mommy, for EDD January 2027, ang qualifying period mo is October 2025 to September 2026.

Since may hulog ka na from October 2025 to July 2026, qualified ka na po possible, basta posted and valid ang hulog mo. Hindi mo na kailangan mag-switch to self-employed para lang maka-qualify.

Kung naka-maternity leave ka pa pero employed ka pa rin, better employee status ka pa rin and HR/employer ang kausapin mo for SSS filing/remittance. Employed members notify their employer for maternity notification, while SE/Voluntary members notify SSS directly.

Huwag ka muna mag-self-employed unless may actual self-employed income/business ka, kasi SE registration means you are declaring self-employment income.

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

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

Mommy, need pa po malaman ang EDD / date ng delivery or miscarriage and magkano ang monthly contribution mo noong April–June 2026.

Pero simple guide:

Kung 3 months lang ang valid hulog mo, may chance ka maka-qualify basta pasok sila sa qualifying period, pero hindi usually maximum ang makukuha. SSS computes maternity benefit using the 6 highest Monthly Salary Credits in the qualifying period, then multiplied by 105 days for normal/CS, 120 days for solo parent, or 60 days for miscarriage/ETP.

Kung ang hulog mo ay ₱3,000/month, possible estimate for 3 counted months only is around:

₱35,000 for normal/CS
₱40,000 if solo parent
₱20,000 for miscarriage/ETP

Mas sure mommy, i-check mo dito:
https://sssmaternitybenefitscalculator.com/

Yes mommy, possible na kailangan mo pa rin ng confirmation/document from your past employer, lalo na kung nanganak ka within 6 months from separation.

Usually ang hinihingi ni SSS is Certificate of Separation from Employment na nakalagay ang:

1. effective date of separation
2. statement na wala kang natanggap na advance maternity benefit / no advance payment

This is listed by SSS for separated employment cases. Kung hindi mo makuha ang certificate, SSS also mentions an Affidavit of Undertaking as possible alternative for members who cannot secure the Certificate of Separation.

Simple answer:
Yes mommy, ask your previous HR/employer for Certificate of Separation with No Advance Payment. Kailangan ito para ma-prove sa SSS na hindi ka nabayaran ng employer before, so SSS can process the benefit directly to you.

Kung ayaw magbigay ang employer, ask SSS branch kung puwede ka gumamit ng Affidavit of Undertaking.

Yes mommy, pwede ka pa mag-apply ng MAT-2/Maternity Benefit Application. Since complete ang hulog mo sa qualifying period, may chance ka po. File ka sa My.SSS and prepare birth certificate + certificate of separation/no advance payment from your previous employer just incase hingan ka ni SSS.Kung ayaw magbigay ang employer, ask SSS branch kung puwede ka gumamit ng Affidavit of Undertaking.

Pwede mo rin i-check estimate dito:
https://sssmaternitybenefitscalculator.com/

Hi mommy 😊 Since actual delivery mo ay June 2023, ang qualifying period mo ay January–December 2022. Kailangan may at least 3 valid contributions within that period.

Yung October–December 2022 ay qualifying months sana. Pero kung Voluntary/Self-Employed ka at January 2023 mo lang talaga sila binayaran, hindi na sila magagamit sa June 2023 MatBen computation, kahit pasok pa sana sa normal quarterly payment deadline. SSS only considers qualifying contributions paid before the applicable maternity cutoff.

Yung January–June 2023 contributions ❌ hindi rin kasama sa qualifying period ng June 2023 delivery.

So kung wala kang ibang valid/paid contributions from January–September 2022, unfortunately hindi ka makaka-qualify based sa contributions na nabanggit mo.

Kung Employee member ka noong Oct–Dec 2022 at employer ang nag-remit noong January 2023, sabihin mo lang mommy dahil ibang case iyon at kailangan nating i-check separately.

Hi mommy 😊 Since actual miscarriage date mo ay August 21, 2026, ang qualifying period mo ay April 2025–March 2026. Kailangan may at least 3 valid monthly contributions within this period para maka-qualify sa SSS maternity benefit.

Yung hulog mo na July at August 2026 ❌ hindi na counted for this miscarriage claim dahil outside na sila sa qualifying period.

So kung July–August 2026 lang talaga ang contributions mo at wala kang at least 3 hulog from April 2025–March 2026, unfortunately hindi ka qualified sa SSS maternity benefit for this miscarriage.

For miscarriage, qualified members can receive a benefit based on 60 days.

Check mo muna mommy ang My.SSS contribution history mo baka may older contributions ka within April 2025–March 2026—kung meron at umabot sa 3 months, possible ka pa ring qualified.