SSS Maternity Questions & Answers

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

Ang October 2025–January 2026 ay counted kung paid and posted on time.

Pero kung July 2026 na ngayon and saka mo pa lang babayaran ang February–June 2026, hindi na po siya counted sa MatBen kasi July 2026 na ang start ng semester of contingency. SSS only considers contributions paid before the semester of contingency.

Possible ka pa ring qualified kung may at least 3 paid and posted contributions within July 2025–June 2026. Sa case mo, mukhang may Oct–Jan ka, so possible qualified ka, pero hindi pa masasabi ang exact amount without your monthly contribution/MSC.

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 November 2026 ang expected delivery mo, ang qualifying period mo ay July 2025–June 2026.

Since may hulog ka from April 2024 hanggang July 2026, possible kang qualified basta may at least 3 paid and posted contributions within July 2025–June 2026. Hindi required na may hulog ka pa ng August–September para ma-claim ang MatBen.

Ang August–September 2026 ay hindi na counted sa November 2026 MatBen computation kasi July 2026 na ang start ng semester of contingency. Pwede kang mag-voluntary only if hindi ka na employed or wala kang salary/income for that period, pero hindi na siya makakadagdag sa maternity benefit mo.

SSS uses the 6 highest MSCs within the qualifying period to compute the benefit.

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

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

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

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

Kung nabayaran mo ang January–June 2026 as Voluntary and paid/posting on time sila before July 2026, possible kang qualified. May 6 months ka na within the qualifying period, kahit may missing months ka from July–December 2025.

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

Example: kung ₱3,000 total contribution per month ang Jan–June 2026, possible umabot sa ₱70,000 for 105 days. 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 October 2026 guide:
https://youtu.be/DdHsEl6zse0?si=Vin69432t-YOf0w2

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

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

Yes mommy, possible kang qualified kung ang March, April, and May 2026 contributions mo ay paid and posted on time. Pasok sila sa qualifying period, at may minimum 3 paid and posted contributions ka.

Pero kung binayaran lang sila July 2026 or later, possible hindi na sila counted sa MatBen kasi July 2026 na ang start ng semester of contingency.

Hindi pa masasabi ang exact amount kasi depende sa monthly contribution/MSC mo. Gagamitin ni SSS ang 6 highest MSCs within the qualifying period.

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 December 2026 ang EDD mo, ang qualifying period mo ay July 2025–June 2026.

Yes mommy, possible kang qualified kung ang March, April, and May 2026 contributions mo ay paid and posted on time. Pasok sila sa qualifying period, at may minimum 3 paid and posted contributions ka.

Pero kung binayaran lang sila July 2026 or later, possible hindi na sila counted sa MatBen kasi July 2026 na ang start ng semester of contingency.

Hindi pa masasabi ang exact amount kasi depende sa monthly contribution/MSC mo. Gagamitin ni SSS ang 6 highest MSCs within the qualifying period.

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 February 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Kailangan may at least 3 paid and posted contributions within this period para ma-qualified. Pero kung gusto mong mas mataas ang makuha, mas okay kung may 6 months na mataas ang MSC dahil 6 highest MSCs ang gagamitin ni SSS sa computation.

Kung July 2026 pa ngayon, puwede mong unahin ang:

April–June 2026 — puwedeng bayaran as quarterly payment if may valid PRN and paid on or before end of July 2026
July–September 2026 — bayaran on time; ito rin ang last months na counted for Feb 2027 EDD kailngan ma pay mo xa on or before end of September

Hindi na counted ang October 2026 onwards sa February 2027 MatBen computation.

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

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

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

Hi mommy 😊 Kung December 2026 ang EDD mo at Self-Employed ka, ang qualifying period mo ay July 2025–June 2026.

Kung wala kang paid/posted contribution sa qualifying period at July 2026 na ngayon, hindi na po makahabol para sa December 2026 MatBen. July 2026 na kasi ang start ng semester of contingency, at hindi counted ni SSS ang contributions na paid within or after that semester.

So kahit maghulog ka ngayon, possible future contribution na lang siya, pero hindi na siya counted para sa December 2026 maternity benefit.

Possible ka lang ma-qualified kung may at least 3 paid and posted contributions from July 2025–June 2026 na nabayaran before July 2026.

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 February 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Kung kakakuha mo lang ng SSS ngayong June 2026 at maghuhulog ka ng ₱3,000 monthly, ang counted lang sa MatBen ay June–September 2026 kung paid and posted on time. Hindi na kasama ang October 2026–February 2027 sa computation.

Possible kang qualified kasi may at least 3 paid and posted contributions ka. Pero hindi pa full ₱70,000 kung 4 months lang ang counted. Estimate is around ₱46,667 for 105 days, assuming ₱3,000 is total SSS contribution and equal to ₱20,000 MSC.

Para sa full ₱70,000, kailangan usually 6 months na ₱20,000 MSC within the qualifying period.

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

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

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, pasok sa qualifying period ang April, May, June, July, August, and September 2026.

Kung July 2026 pa ngayon, puwede pang bayaran ang April–June 2026 as quarterly payment, basta may valid PRN at paid on or before end of July 2026. Ang July–September 2026 naman, bayaran din on time due po if quarterly payment is on or before end of September.

Kung ₱3,000 per month ang total SSS contribution mo for April–September 2026, possible kang makaabot sa maximum ₱70,000 for 105 days, kasi kailangan ng 6 months na ₱20,000 MSC.

Pero kung April–June lang ang babayaran mo, qualified ka possible, pero hindi pa ₱70,000. Need 6 high MSC months para ma-maximize.

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 October 2026 ang EDD mo, ang qualifying period mo ay July 2025–June 2026.

Base sa dates ng payment mo, eto po ang due for MatBen:

Jan–March 2026 paid March 13 — okay, before July 2026 (hindi po late payment)
April 2026 paid May 7 — okay, before July 2026 (hindi po late payment)
May 2026 paid June 3 — okay, before July 2026 (hindi po late payment)
June 2026 paid June 25 — okay, before July 2026 (hindi po late payment)

Ang importante, dapat valid PRN, paid, and posted lahat. Since before July 2026 mo sila nabayaran, hindi sila paid within/after the semester of contingency.

May at least 6 months ka, so possible qualified ka. Kung ₱3,000 total contribution per month ang hulog, possible near/max ₱70,000 for 105 days, depende sa actual posted MSC.

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

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

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