SSS Maternity Questions & Answers

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Employee Contribution / Payment Deadline EDD: March 2027
Question from Kristine
Asked Aug 3, 2026

EDD ko po March 2027 at Employee member po ako. Sa calculator, inilagay kong paid/posted ang November 2025, December 2025, January 2026, February 2026, March 2026, May 2026, July 2026, August 2026, and September 2026. Gusto ko pong malaman kung maaari ko pang bayaran ang June 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Magbabayad pa ba ako ng june eh my hulog nako ng July kakawork ko lang eh pero my hulog nakong 6months

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

Hi mommy 😊 Kung March 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Based sa nilagay mo, may hulog ka na sa:

✅ Nov 2025
✅ Dec 2025
✅ Jan 2026
✅ Feb 2026
✅ Mar 2026
✅ May 2026
✅ Jul 2026
✅ Aug 2026
✅ Sep 2026

So may more than 3 paid/posted contributions ka na sa qualifying period. Possible qualified ka na kahit wala kang June 2026.

Hindi required bayaran ang June para lang maka-qualify. Ang June contribution makakatulong lang kung mataas ang MSC niya at maisasama siya sa 6 highest MSCs mo.

Since employee ka ngayon, hindi ikaw ang personal na dapat magbayad ng employee contribution. Employer ang magre-remit based sa salary mo. Kung hindi ka employed noong June 2026, possible gap na iyon, and okay lang basta may enough valid months ka na.

SSS will use the 6 highest MSCs within Oct 2025–Sept 2026. Kung may 6 months kang mataas/max MSC, possible mas mataas ang MatBen.

Last QP month: September 2026 — qualifying payments should be made on or before end of September 2026.

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

Check estimate here:
https://sssmaternitybenefitscalculator.com

QP checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Voluntary Contribution / Payment Deadline EDD: October 2026
Question from Shin
Asked Aug 2, 2026

Edd ko is october nag bayad ako ng for the month of january and march before end of april then binayaran ko yung april to june ng april din qualified padn ba?

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

Hi mommy 😊 Kung October 2026 ang EDD mo, ang qualifying period mo ay July 2025–June 2026.

Based sa sinabi mo:

✅ January 2026 — paid before end of April
✅ March 2026 — paid before end of April
✅ April–June 2026 — paid within April

Possible counted lahat ito, basta valid PRN, accepted ni SSS, at posted sa My.SSS. Since nabayaran mo sila before July 2026, hindi siya within/after semester of contingency.

So kung may at least 3 paid and posted contributions within July 2025–June 2026, possible qualified ka. Sa case mo, may Jan, Mar, Apr, May, Jun ka, so possible qualified.

Hindi pa masasabi ang exact amount without monthly contribution/MSC. Gagamitin ni SSS ang 6 highest MSCs sa qualifying period.

Last QP month: June 2026 — qualifying payments should be made on or before end of June 2026.

October 2026 guide:
https://youtu.be/DdHsEl6zse0?si=Vin69432t-YOf0w2

Check estimate here:
https://sssmaternitybenefitscalculator.com

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Employee Disbursement / Bank EDD: October 2026
Question from Jam
Asked Aug 1, 2026

anong mga qualified bank ang pwedeng pag transferan ng SSS Maternity Benefit ng Employee?

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Answer from SSS Maternity Calculator Team: Answered Aug 1, 2026

Hi mommy 😊 Kung employed ka, usually hindi diretso sa personal bank mo isesend ni SSS ang matben na matatanggap mo. Ang employer/HR ang mag-aadvance ng SSS maternity benefit, then si employer ang ire-reimburse ni SSS.

Pero kung direct payment ka from SSS, like separated/unemployed/self-filing, kailangan may approved Disbursement Account / DAEM sa My.SSS.

Qualified usually ang PESONet participating banks na nasa dropdown ng SSS DAEM, like BDO, BPI, Metrobank, Landbank, PNB, UnionBank, Security Bank, RCBC, Chinabank, EastWest, AUB, PSBank, and others.

Best gawin:

Login sa My.SSS
Go to E-Services → Disbursement Account Enrollment Module / DAEM
Piliin ang bank/e-wallet/remittance option na available sa dropdown
Upload proof of account + valid ID/selfie if required
Wait ma-approve before filing/claiming benefit

Important: dapat same name ang bank account sa SSS registered name para iwas rejection.

Prepare the correct maternity claim requirements
Review the filing documents and steps that may apply before submitting your claim.
View Claim Requirements
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EDD: December 2026
Question from Ann
Asked Jul 31, 2026

EDD ko po December 2026 at Self-Employed po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Gusto ko pong malaman kung maaari ko pang bayaran ang April 2026 until June 2026 para maka-qualify sa SSS maternity benefit.

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Answer from SSS Maternity Calculator Team: Answered Jul 31, 2026

Hi mommy 😊 Kung December 2026 ang EDD mo, ang qualifying period mo ay July 2025–June 2026.

Since Self-Employed ka at wala kang paid/posted contribution sa qualifying period, hindi na safe habulin ang April–June 2026 ngayon July 2026 for Dec 2026 MatBen.

Kahit may chance na tanggapin pa ng PRN ang April–June payment, July 2026 na ang start ng semester of contingency mo. Sa SSS MatBen, contributions paid within or after the semester of contingency are not counted.

So kung wala kang ibang paid/posted contributions from July 2025–June 2026 na nabayaran before July 2026, likely hindi qualified for December 2026 maternity benefit.

Last QP month: June 2026 — qualifying payments should be made on or before end of June 2026.

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

Check estimate here:
https://sssmaternitybenefitscalculator.com

QP checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

Check your estimated SSS maternity benefit
Use your member type, EDD, and contribution details to get a personalized estimate and next steps.
Use the Maternity Calculator
Employee General Question
Question from Camille
Asked Jul 31, 2026

nag endo na kasi ako nung June 30,2026 and ang hulog ko is from August 2024 then na stop nung Oct, Nov, Dec 2025 to January and Feb 2026. Nag start ulit ako nakapag hulog nung march 2026-june 2026 possible ba na buo makuha ko based ka sa calculations na ginawa ko dito sa sss 70k daw ang possible benefits na makuha ko e tama poba yun?

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Answer from SSS Maternity Calculator Team: Answered Jul 31, 2026

Hi mommy 😊 Hindi po automatic na kalahati lang dahil endo/resigned ka. Kung qualified ka, ang SSS MatBen mo is based sa contributions/MSC, not kung active employee ka pa sa delivery.

Pero kailangan malaman ang EDD month/year para sure ang qualifying period.

Kung ang EDD mo ay October–December 2026, ang qualifying period mo ay July 2025–June 2026. Sa sinabi mo, possible counted ang July–Sept 2025 and March–June 2026, basta paid and posted on time. Possible qualified ka.

Tama ang ₱70,000 only kung may at least 6 months na maximum MSC within the qualifying period. Usually ito yung around ₱3,000 total SSS contribution/month. Kung hindi max ang hulog mo, mas mababa sa ₱70k ang lalabas.

Dahil endo ka na noong June 30, 2026, if separated ka na before delivery, humingi ka sa employer ng Certificate of Separation / No Advance Payment para makapag-file ka directly sa SSS after manganak.

Pakicheck mommy:

EDD or actual delivery month
monthly contribution amount / MSC
kung posted lahat sa My.SSS

Check estimate here:
https://sssmaternitybenefitscalculator.com

QP checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

Check your estimated SSS maternity benefit
Use your member type, EDD, and contribution details to get a personalized estimate and next steps.
Use the Maternity Calculator
Employee General Question
Question from Sheng
Asked Jul 31, 2026

Kelan po ibibigay ng employer ang sss benefits po namin? Binibigay ba ito bago manganak? At may sinasahod parin kaya kami kahit naka maternity leave kami?

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Answer from SSS Maternity Calculator Team: Answered Jul 31, 2026

Hi mommy 😊 Kung employed ka, usually ang employer/HR ang mag-aasikaso ng SSS maternity benefit.

Dapat i-advance ng employer ang full SSS maternity benefit within 30 days from filing ng maternity leave application. Kaya possible siyang ibigay before manganak kung nakapag-file ka na ng maternity leave application at complete na ang requirements. Pero depende pa rin sa HR process kung kailan nila nire-release.

Habang naka-maternity leave, hindi ibig sabihin na may regular salary ka pa ulit on top of SSS. Ang dapat mong matanggap ay:

SSS maternity benefit + salary differential, para maging full pay ang maternity leave mo, unless exempted ang employer sa salary differential.

Best itanong sa HR:

Kailan ire-release ang SSS maternity advance?
Kasama na ba ang salary differential?
One-time payment ba or payroll schedule?
Pwede bang makahingi ng computation breakdown?

Check estimate here:
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.
Use the Maternity Calculator
Voluntary Contribution / Payment Deadline EDD: March 2027
Question from angel
Asked Jul 31, 2026

EDD ko po March 2027 at Voluntary member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Kakaalam ko lang po na pregnant ako at gusto kong malaman kung maaari pa akong maghulog para maka-qualify sa SSS maternity benefit. Ang tanong ko po: pag magstart po Ako Ng voluntary Ngayon. pasok po BA pra mkaavail Ng maternity

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Answer from SSS Maternity Calculator Team: Answered Jul 31, 2026

Hi mommy 😊 Kung March 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Yes, possible ka pang makahabol kung mag-start ka ng Voluntary ngayon, basta ang babayaran mo ay months na pasok sa qualifying period at hindi late sa PRN deadline.

Pwede pang makatulong:

✅ April–June 2026 — kung nabayaran mo within July 2026 gamit valid PRN at posted agad
✅ July–September 2026 — bayaran on time, ideally on or before end of September 2026

Kailangan mo ng at least 3 paid and posted contributions within Oct 2025–Sept 2026 para maka-qualify.

Kung 3 months at ₱3,000/month, possible estimate is around ₱35,000 for 105 days.
Kung 6 months at ₱3,000/month, possible umabot sa ₱70,000 max.

Hindi na counted ang October 2026 onwards sa March 2027 MatBen kasi semester of contingency na iyon.

Last QP month: September 2026 — qualifying payments should be made on or before end of September 2026.

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

Check estimate here:
https://sssmaternitybenefitscalculator.com

QP checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
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Voluntary Contribution / Payment Deadline EDD: January 2027
Question from Julia
Asked Jul 30, 2026

EDD ko po January 2027 at Voluntary member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Gusto ko pong malaman kung maaari ko pang bayaran ang August 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: June 9,2001

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Answer from SSS Maternity Calculator Team: Answered Jul 31, 2026

Hi mommy 😊 Kung January 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Yes, August 2026 can be counted kung mababayaran siya on time, valid PRN, and posted before October 2026.

Pero 1 month lang na August 2026 is not enough para maka-qualify. Kailangan mo ng at least 3 paid and posted contributions within Oct 2025–Sept 2026.

Kung wala ka pang ibang hulog, target mo dapat at least:

✅ July 2026
✅ August 2026
✅ September 2026

Kung ₱3,000/month ang hulog for 3 months, possible estimate is around ₱35,000 for 105 days. Kung minimum lang, mas mababa ang makukuha.

Yung June 9, 2001 kung birthday mo po iyon, hindi naman issue. Ang importante sa MatBen is yung qualifying period, paid/posted contributions, and MAT-1 filing while pregnant.

Last QP month: September 2026 — qualifying payments should be made on or before end of September 2026.

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

Check estimate here:
https://sssmaternitybenefitscalculator.com

QP checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Employee Contribution / Payment Deadline EDD: January 2026
Question from PHhnwCeqjwwiTfxsxNllc
Asked Jul 30, 2026

EDD ko po January 2026 at Employee member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Gusto ko pong malaman kung maaari ko pang bayaran ang January 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: vshuMyoMzzywEdQRkTRgH

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Answer from SSS Maternity Calculator Team: Answered Jul 31, 2026

Hi mommy 😊 Kung January 2026 ang EDD/actual delivery mo, ang qualifying period mo ay October 2024–September 2025.

Yung January 2026 contribution ay hindi na counted sa January 2026 MatBen kasi nasa semester of contingency na siya. Hindi rin siya makakahabol para maka-qualify.

Since Employee member ka, hindi rin ikaw ang dapat personal na magbayad ng employee contribution for January 2026. Employer dapat ang nagre-remit kung employed ka sa month na iyon.

Kung wala kang paid/posted contribution sa October 2024–September 2025, likely hindi qualified sa SSS maternity benefit. Pero kung may employer remittance ka noon na late lang na-post, ipa-check mo sa HR/SSS kasi possible counted pa rin kung valid employer contribution.

Yung “vshuMyoMzzywEdQRkTRgH” hindi ko po sure kung error code or random text. Mas okay mag-send ng exact screenshot/message sa My.SSS para ma-check.

Last QP month: September 2025 — qualifying payments should be made on or before end of September 2025.

Check estimate here:
https://sssmaternitybenefitscalculator.com

QP checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Check My Months & Deadlines
Employee Employer / Resigned / Separated
Question from Rona
Asked Jul 30, 2026

Last duty ko sa August 31, nagresign na po ako. Makukuha ko ba ng buo yung maternity ko or kalahati lang makukuha ko

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Answer from SSS Maternity Calculator Team: Answered Jul 30, 2026

Hi mommy 😊 Hindi po automatic na kalahati lang ang makukuha dahil nag-resign ka.

Kung qualified ka sa SSS maternity benefit, dapat based pa rin ang amount sa SSS computation mo — hindi siya hinahati dahil lang separated/resigned ka.

Pero dahil last duty mo August 31 at resigned ka na, importante kung kailan ang delivery mo:

Kung manganak ka within 6 months from separation, usually kailangan ng Certificate of Separation from employer na may effective date at nakalagay na no advance payment was granted.
Kung hindi na employer ang mag-aadvance, possible na directly to your enrolled SSS disbursement account ang payment.

Makukuha mo ang full SSS maternity benefit kung qualified ka at complete ang documents. Mababa or kulang lang ang net proceeds kung may deduction, loan balance, adjustment, or may contribution months na hindi counted.

Best gawin mommy: request ka agad sa HR ng Certificate of Separation with no advance payment, then make sure approved ang bank/e-wallet mo sa My.SSS DAEM.

Check estimate dito 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.
Check My Filing Route

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