SSS Maternity Questions & Answers

Hi mommy 😊 For EDD December 2026, ang QP mo is July 2025 to June 2026.

If Jan–May 2026 are paid/posted, qualified ka na possible kasi may at least 3 contributions. But yung June 2026 na paid in July, may risk na hindi na counted sa MATBEN computation, kasi July starts the semester of delivery, and SSS says contributions paid within/after the semester of contingency are not considered.

Still, since may Jan–May ka, may makukuha ka pa rin possible; baka lang lower if hindi counted ang June.

No need to continue hulog after June para sa Dec 2026 MATBEN, kasi July onward hindi na counted, but okay ituloy for future SSS benefits.

About MAT-1: okay lang kahit walang email. If sa My.SSS/app may Submitted + reference number, screenshot mo lang para proof.

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

Yes mommy, okay na po iyon 😊

Kahit walang email, basta sa My.SSS nakalagay na Submitted ang maternity notification/MAT-1, save or screenshot mo lang yung status at reference number.

Since naka-enroll ka na rin ng disbursement account, next step is wait until manganak. After delivery, mag-file ka naman ng Maternity Benefit Claim / MAT-2 and upload the required birth documents.

Kung employed ka, coordinate pa rin with HR. Kung voluntary/separated, ikaw usually ang magfa-file sa My.SSS.

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

Hi mommy 😊 Since Sept 28–Oct 10 ang possible delivery mo, magbabago ang QP depende sa actual date ng panganganak.

If September 2026 ka manganak: QP is April 2025–March 2026. Counted ang Sept 2025–Jan 2026, pero hindi counted ang April 2026 onward. Possible estimate around ₱58k if max/above max ang 5 months mo.

If October 2026 ka manganak: QP is July 2025–June 2026. Counted ang Sept 2025–Jan 2026 plus April–June 2026, so possible ₱70k if posted and max/above max ang 6 highest months.

Due date safe note:
For Sept delivery, last QP month is March 2026 dapat na pay xa on or before last month QP mo which is March.
For Oct delivery, last QP month is June 2026 dapat na pay xa on or before last month QP mo which is June.

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

Hi mommy 😊 For EDD September 2026, ang qualifying period mo is April 2025 to March 2026.

Yung paid mo na April, May, June 2025 ₱3,000 each ay counted, so qualified ka possible kasi may 3 contributions ka na basta na pay xa on or before due date.

Pero yung plan mo bayaran na January–March 2025 hindi napo counted , kasi outside QP siya. Hindi rin xa maging ₱70k kasi need mo atleast 6 highest month contributions.

Kung 3 max months lang meron ka, possible estimate is around ₱35,000, not ₱70,000.

Due date safe note: last QP month is March 2026, so dapat paid/posted before April 2026 semester starts.
OFW due date rule: January–September contributions may be paid until December 31 of the same year.
But for SSS maternity, SSS says contributions paid within or after the semester of contingency are not counted

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

Hi mommy 😊 For EDD August 13, 2026, ang qualifying period mo is April 2025 to March 2026.

Based sa contributions mo, qualified ka po kasi marami kang posted hulog sa QP. Kahit wala yung November 2025, may 6 high months ka pa rin.

Rough estimate mo is around ₱69,000–₱70,000 for normal/CS delivery, basta posted lahat at tama ang MSC na ginamit ni SSS. If solo parent, possible around ₱79,000–₱80,000.

Due date safe note: last counted month is March 2026, so dapat paid/posted on or before March 31, 2026 para safe.

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

Yes mommy, possible pa po 😊

For EDD January 2027, ang qualifying period mo is October 2025 to September 2026, so counted ang April, May, June 2026.

Pero huwag July contribution ang bayaran para “humabol” sa April–June. Dapat gumawa ka ng PRN na naka-tag mismo sa April–June 2026. If accepted pa ng SSS PRN and paid before deadline, hindi siya late.

Usually ang April–June quarter can be paid until July 31, 2026 basta hindi po mababago ang EDD mo kasi kung mabago po xa to December magiging late payment ang April to June contribution mo kung nabayaran mo xa ng July 2026
Last QP month due date: September 2026 should be paid/posted on or before September 30, 2026 para safe.

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

Hi mommy 😊 Since May 20, 2026 ka nanganak, ang susundin is actual delivery month, not June EDD. Ang qualifying period mo is January 2025 to December 2025.

Counted ang hulog mo from January–September 2025. Yung October–December 2025 wala kang hulog, kaya possible bumaba talaga ang computation.

Tama lang na hindi siya ₱70k kung hindi max or kulang ang 6 highest MSC. Pero para sure kung tama ang ₱31,500, ask HR/SSS for the computation breakdown or check your posted MSC sa My.SSS.

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

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

Yung hulog mo noong 2021 hindi na po counted. Need mo ng at least 3 posted contributions within Oct 2025–Sept 2026 para qualified.

Kung July 2026 pa ngayon, pwede mo subukan bayaran ang April–June 2026 quarter if accepted pa sa PRN ang due nya on or befoere end of July, then continue July–September 2026 ang due nya on or before end of Sept (this is for quarterly payment po make sure to generate 1 Prn for April to june quarter and Jult to September quarter)

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

Hi mommy 😊 For EDD February 2027, tama po na ang qualifying period mo is October 2025 to September 2026.

Since July na ngayon, possible pa po bayaran ang April–June 2026 quarter if makagawa ka ng PRN at tatanggapin ng SSS system. Usually due ito until July 31, 2026.

If posted ang April, May, June, may 3 months ka na. Then continue July–September 2026 para maging 6 months and mas mataas ang possible benefit.

Since first time mo pa maghuhulog, check mo muna sa My.SSS kung makakagawa ka ng PRN as Voluntary/SE.

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

Hi mommy 😊 For EDD February 20, 2027, ang qualifying period mo is October 2025 to September 2026.

Need mo at least 3 posted contributions within that period para qualified sa SSS maternity benefit. Kung magsisimula ka pa lang maghulog, mas maaga mas okay. If kaya, hulugan mo na ang April–September 2026 para mas mataas din ang possible maternity benefit.

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