SSS Maternity Questions & Answers

Hi mommy 😊 Kung December 2025 talaga ang EDD/delivery mo, ang qualifying period mo ay July 2024–June 2025.

Kailangan may at least 3 paid and posted contributions within July 2024–June 2025. Kung 1 month lang ang hulog mo sa July at wala nang ibang hulog sa qualifying period, hindi pa po sapat para ma-qualified.

Yung April, May, June 2026 na kakabayad mo lang ngayon ay hindi na counted sa December 2025 MatBen kasi tapos na ang delivery/contingency at outside na rin siya ng qualifying period.

Pakicheck sa My.SSS contribution history kung may ibang posted months ka pa from July 2024 to June 2025. Kung meron kang at least 3 months doon, possible pa. Kung wala, likely hindi qualified.

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

Hi mommy 😊 Since July 11 ka nanganak via CS, pwede mo na asikasuhin ang Maternity Benefit Application basta complete ang documents.

Kung self-filing/voluntary/separated ka, usually around 7 working days ang processing kapag complete at okay ang uploaded documents. After approval, possible may dagdag pang few banking days bago pumasok sa enrolled disbursement account.

Kung employed ka, usually employer/HR ang mag-aasikaso. Dapat i-advance ng employer ang full SSS maternity benefit within 30 days from filing of maternity leave application, then sila ang ire-reimburse ni SSS.

Prepare mo mommy ang child’s Certificate of Live Birth / registered birth document, proof/receipt from LCR if newly registered, and make sure active/approved ang Disbursement Account sa My.SSS para walang delay.

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

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

Kung July 2026 contribution ang babayaran mo sa August 2026, hindi pa siya automatically late kung may valid PRN pa at pasok sa SSS deadline. For Voluntary/SE/NWS, monthly payment deadline is usually last day of the following month, so July contribution can usually be paid on or before end of August 2026.

Counted pa rin siya sa MatBen basta paid and posted before January 2027, kasi January 2027 ang start ng semester of contingency mo.

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

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

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

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

Yes mommy, kung within deadline pa talaga ang April–June 2026 at mababayaran mo gamit ang valid PRN (Due on or before end of July if quarterly payment), then July to September 1PRN quarterly payment ang due naman nya is on or before end of September

Kung Voluntary/SE/NWS ka, ang April–June 2026 quarter usually dapat mabayaran on or before end of July 2026. Kung after July na babayaran, late na siya at magiging gap na.

Kailangan may at least 3 paid and posted contributions within the qualifying period. Gagamitin ni SSS ang 6 highest MSCs mo.

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

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

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

Hi mommy 😊 Kung July 2026 ang EDD/actual delivery mo, ang qualifying period mo ay April 2025–March 2026.

Sa hulog mo na November 2025–June 2026, ang counted lang sa MatBen ay November 2025–March 2026 basta paid and posted on time. Hindi na counted ang April–June 2026 kasi nasa semester of contingency na sila.

May at least 5 counted months ka, so possible kang qualified. Pero hindi pa masasabi ang exact amount without your monthly contribution or MSC.

Example: kung ₱3,000 total contribution per month ang counted months mo, possible estimate for 105 days ay around ₱58,333. Kung mas mababa ang hulog, mas mababa rin ang benefit.

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

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

Hi mommy 😊 Kung September 4, 2026 ang EDD mo, ang qualifying period mo ay April 2025–March 2026.

Kung 3 months lang ang nahulugan mo ng ₱3,000 per month, possible kang qualified basta those months are within April 2025–March 2026, paid on time, and posted.

Kung ₱3,000 total SSS contribution per month iyon, estimate for normal/CS 105 days is around ₱35,000. Hindi pa siya ₱70,000 kasi para sa maximum, kailangan usually 6 months na ₱20,000 MSC within the qualifying period.

Tataas lang siya kung may other valid paid/posting months ka pa within April 2025–March 2026. Hindi na makakadagdag ang April 2026 onwards for September 2026 EDD.

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

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

Hi mommy 😊 Pakicheck muna po ang exact date kasi magkaiba ang computation:

Kung August 4, 2026 ang due date mo, ang qualifying period mo ay April 2025–March 2026. Counted ang April 2025–March 2026 basta paid and posted on time. Hindi na kasama ang April 2026 onwards.

Kung December 2026 talaga ang EDD mo, ang qualifying period mo ay July 2025–June 2026. Counted ang July 2025–June 2026 basta paid and posted on time.

Kung bayad ka since January 2025, possible qualified ka. Pero hindi pa po masasabi ang exact amount without your monthly contribution or MSC. Gagamitin ni SSS ang 6 highest MSCs within the correct qualifying period.

Maximum is ₱70,000 for normal/CS 105 days kung may 6 months na maximum MSC.

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

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

Kung bayad ka from January 2025 hanggang ngayon, counted sa MatBen ang July 2025–June 2026 basta paid and posted on time. Possible kang qualified kasi higit sa 3 contributions ang meron ka.

Hindi pa po masasabi ang exact amount kasi kailangan malaman ang monthly contribution or MSC mo. Gagamitin ni SSS ang 6 highest MSCs within the qualifying period.

Maximum is ₱70,000 for normal/CS 105 days kung may 6 months na maximum MSC. Kung mas mababa ang hulog, mas mababa rin ang benefit.

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

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

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

Hi mommy 😊 Kung September 28, 2026 ang EDD/actual delivery mo, ang qualifying period mo ay April 2025–March 2026.

Yung 2024 contributions mo hindi na counted sa MatBen kasi outside na siya sa qualifying period. Ang counted lang sa sinabi mo ay January–March 2026, basta paid and posted on time. May minimum 3 contributions ka, so possible kang qualified.

Kung ₱2,250 total SSS contribution per month ang Jan–March mo, estimate for 105 days is around ₱26,250. Pero kung employee share/deduction lang ang ₱2,250, possible iba ang MSC at mas mataas ang estimate.

Yung ₱40,000 salary loan hindi siya basehan ng MatBen qualification. Pero check mo pa rin sa SSS kung may loan status/deductions issue sa account mo.

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

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

Hi mommy 😊 Yes, kapag nag-allocate ka ng 7 days sa father or qualified caregiver, mababawasan ang leave days mo.

So instead of 105 days, magiging 98 days kay mommy + 7 days sa father/caregiver. Hindi siya additional 7 days on top of 105 days — transferred days po siya.

Yung 7 days payment/leave ay dapat i-process ng employer ng father/caregiver, basta employed siya and may written notice/allocation proof. If hindi niya nagamit or may issue, ipa-verify sa SSS/HR para maayos ang adjustment.

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