SSS Maternity Questions & Answers

Hi mommy 😊 Pwede po, pero may isang importanteng step.

Since Employee ka noong nag-file ng MAT-1, normally employer/HR ang dapat mag-transmit ng maternity notification sa SSS. Hindi naman ibig sabihin na automatically invalid yung na-file mo online, pero ipa-check mo muna sa HR/agency bago ka mag-resign para sure na properly recorded ang MAT-1 mo.

Kung resigned ka na by October at Voluntary ka na pagdating ng delivery, pagkatapos manganak ikaw na mismo ang puwedeng mag-file ng Maternity Benefit Application (dating MAT-2) through My.SSS, at SSS can pay the approved benefit directly to your enrolled DAEM account.

Since malapit ang resignation mo sa delivery, kumuha rin ng Certificate of Separation from your employer stating:

effective date ng separation; at
walang maternity benefit advance na ibinigay sa iyo.

Required ito kapag delivery happens within 6 months from separation.

🎥 How to File SSS MAT-1 Online:
https://youtu.be/ackBt_sWnvY

Hi mommy 😊 For EDD December 2026, ang qualifying period mo ay July 2025–June 2026. Kailangan may at least 3 valid monthly contributions within this period para maka-qualify sa SSS maternity benefit.

Yung gusto mong bayaran na September–December 2025 ay pasok sana sa qualifying period, pero since Voluntary member ka at past due na ang mga months na iyon, hindi na sila puwedeng habulin ngayon. SSS does not allow retroactive payment para punan ang missed Voluntary contributions.

So kung wala talaga kayong at least 3 paid/posted contributions from July 2025–June 2026, unfortunately hindi na kayo makakahabol para sa December 2026 MatBen.

🎥 December 2026 EDD guide:
https://youtu.be/BGd2vdgpqc8?si=P8RitlfNYnqaaxjn

Hi mommy 😊 For EDD April 5, 2027, ang qualifying period mo ay January–December 2026.

Kung Land-Based OFW ang membership type mo noong nagbayad ka, pasok pa po ang January, February at March 2026 contributions na binayaran mo noong June 9, 2026 ✅. Hindi siya considered late for OFW payment purposes because SSS allows contributions for January–September to be paid until December 31 of the same year.

So yung:

January 2026 — ₱3,000 ✅
February 2026 — ₱3,000 ✅
March 2026 — ₱3,000 ✅

can be counted for your April 2027 MatBen, provided properly posted sila sa My.SSS.

At dahil may 3 qualifying contributions ka na, pasok ka na sa minimum contribution requirement. If ₱3,000 each corresponds to ₱20,000 MSC and these are your only qualifying months, estimated 105-day MatBen would be around ₱35,000. More qualifying months can increase the benefit, up to the applicable maximum.

🎥 April 2027 EDD guide:
https://youtu.be/CC5tF-b0K40?si=47HvGO2y4FFDmEmh

Hi mommy 😊 Kung Voluntary/Self-Employed ka at ₱3,000/month ang contribution mo, equivalent iyon sa ₱20,000 MSC for maternity computation.

Kung April–August 2026 = 5 months at lahat sila ay pasok sa qualifying period mo, at wala ka nang ibang qualifying contributions, estimated MatBen for 105-day live childbirth is around:

₱20,000 × 5 ÷ 180 × 105 = ₱58,333 😊

Kung makumpleto mo ang 6 qualifying months at ₱20,000 MSC, possible ang maximum na ₱70,000.

Send mo lang mommy ang EDD mo, para ma-check natin kung counted lahat ng April–August 2026 at maibigay ko rin yung matching EDD video tutorial.

Hi mommy 😊 For EDD February 2027, ang qualifying period mo ay October 2025–September 2026. Kailangan ng at least 3 valid monthly contributions within this period para maka-qualify.

Since nag-start ka ng July 2026 at ₱2,025/month, counted ang:

July ✅ August ✅ September ✅

Ang ₱2,025 contribution = ₱13,500 MSC. If itong 3 months lang ang qualifying contributions mo, estimated MatBen for 105 days is:

₱13,500 × 3 ÷ 180 × 105 = around ₱23,625.

Make sure mommy na paid at posted ang July–September contributions on or before September 30, 2026 para maisama sa February 2027 MatBen computation. Yung hulog from October 2026 onward can continue for your SSS record, pero hindi na iyon makakadagdag sa benefit for this pregnancy.

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

Hi Mommy, Depende po sa EDD nyo kung kasama pa ang July sa Qualifying period mo. If you can give more information like your EDD and month contribution para mas masagot ka namin ng maayos.
July contribution due is on of before end of Aug. Pero hindi natin masiguro kung kasama xa sa qualifying period since hindi mo po naibigay ang EDD mo.

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

Hi Mommy, if Voluntary / SE / NWS as of 2026 SSS contribution table the minimum contribution is 750 po, pero pwede ka mag increase ng contribution depende sa gusto mo.

Pwede po macheck dito ang SSS contribution table:
https://sssmaternitybenefitscalculator.com/sss-contribution-calculator-2026/

Hi mommy 😊 For EDD November 2026, ang qualifying period mo ay July 2025–June 2026. Kailangan ng at least 3 valid monthly contributions within this period para maka-qualify sa SSS maternity benefit.

Kung isang month lang ang nahulugan mo within July 2025–June 2026, kulang pa po iyon sa required 3 months. Yung mga contributions mo noong 2024 ❌ hindi na magagamit for this pregnancy dahil outside na sila sa qualifying period.

Since Voluntary member ka, hindi na rin puwedeng habulin ngayon ang missed months from that qualifying period. SSS does not allow retroactive payment ng past-due Voluntary contributions; magiging gaps na po sila.

So mommy, kung one qualifying contribution lang talaga ang meron ka, unfortunately hindi ka makaka-qualify for this November 2026 MatBen.

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

Hi mommy 😊 Hindi naman automatic na magkakaproblema o mawawala ang MatBen mo dahil ikaw mismo ang nakapag-submit ng MAT-1 online. Pero since Employee ka noong nag-file, official SSS process is normally: ikaw ang mag-notify sa employer, then employer ang mag-transmit ng Maternity Notification sa SSS.

Since agency mo mismo ang nagsabi na ikaw ang mag-process, keep your MAT-1 transaction/reference number and ask HR/agency to confirm na properly recorded ang notification bago ka mag-resign.

For EDD December 2026, ang qualifying period mo ay July 2025–June 2026. Kung may at least 3 valid contributions ka within that period, possible ka pa ring maka-receive ng maternity benefit kahit mag-resign ka sa October.

Kung resigned ka na pagdating ng delivery, SSS can pay the approved MatBen directly to you through your enrolled DAEM account. Since malapit sa delivery ang resignation, prepare din ng Certificate of Separation stating the separation date and that no maternity benefit advance was given by the employer.

🎥 How to File SSS MAT-1 Online:
https://youtu.be/ackBt_sWnvY

🎥 December 2026 EDD guide:
https://youtu.be/BGd2vdgpqc8?si=P8RitlfNYnqaaxjn

Hi mommy 😊 Yes po, puwedeng bayaran online ang July, August at September 2026 together dahil puwedeng magbayad ang Voluntary members monthly or quarterly using one PRN. (sss.gov.ph)

For EDD March 2027, ang qualifying period mo ay October 2025–September 2026, so counted ang:

July 2026 ✅
August 2026 ✅
September 2026 ✅

Kung hindi pa talaga paid ang 3 months na ito, ganito po:

Log in sa My.SSS or SSS Mobile App.
Go to Generate PRN / Contributions.
Piliin ang membership type na Voluntary.
Piliin ang applicable period na July–September 2026.
Piliin ang monthly contribution amount mo.
Generate the PRN, then pay online through the available payment channel such as the SSS Mobile App/GCash or other accredited partners. (sss.gov.ph)

Since August 2026 pa ngayon, puwede pa po ang July–September quarter. Once paid and properly posted, those 3 months can meet the minimum contribution requirement for your March 2027 MatBen.

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