SSS Maternity Questions & Answers

Yes mommy, qualified ka possible 😊

For EDD November 2026, ang qualifying period mo is July 2025 to June 2026. So yung hulog mo from July 2025 to April 2026 ay counted, basta paid and posted sa SSS. SSS requires at least 3 paid contributions within the 12-month qualifying period.

Kung magkano makukuha, depende po sa 6 highest monthly salary credits/contributions mo. Kung maximum ang hulog mo sa top 6 months, possible umabot ng ₱70,000 for normal delivery.

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

Yes mommy, meron po 😊

For EDD January 2027, dapat mag-file ka ng SSS Maternity Notification / MAT-1 before ka manganak. Mas safe na mag-file na as soon as confirmed ang pregnancy, huwag hintayin ang January. SSS forms also require the maternity notification to be received prior to delivery/miscarriage/procedure.

Kung employed ka, notify your HR/employer para sila mag-submit sa SSS. For maternity leave application sa work, best magpaalam at least 30 days before your leave, whenever possible.

After manganak, saka naman ang maternity benefit claim / MAT-2.

Pwede mo rin i-check qualifying period at estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Yes mommy, qualified ka possible 😊
For EDD October 2026, ang qualifying period mo ay July 2025 to June 2026. Since naghulog ka from June 2025, counted ang July 2025 to June 2026 basta posted sa SSS.
Sa amount, depende kung ano yung ₱1,500 monthly:

Kung ₱1,500 ay employee deduction sa payslip, possible near/max ₱70,000.

Kung ₱1,500 ay total contribution, estimate is around ₱35,000.

Yung hulog from July–October 2026, tuloy pa rin pero hindi na counted sa maternity computation for October EDD.
Pwede mo i-check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Most likely mommy, ₱35k means 3 months lang ang na-count ni SSS, hindi full 6 months.

For EDD May 2026, ang qualifying period is January–December 2025. If July–December 2025 were all paid/posted correctly at ₱3,000 monthly, dapat possible ang ₱70k for 105 days, because SSS uses the 6 highest MSC and regular SSS maternity computation is based only up to ₱20,000 MSC.

Possible reason bakit naging ₱35k:

3 months lang ang posted/accepted.
Some payments were paid within January–June 2026, so baka hindi counted.
₱3,000 was not posted as monthly July–Dec, or iba ang MSC na lumabas.

Best mommy: check mo sa SSS account yung posted contributions July–Dec 2025, then ask SSS for the maternity computation breakdown/reconsideration.

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

Since December 28, 2026 ka nanganak, ang susundin is December 2026 delivery, not January 2027 EDD.
So ang qualifying period mo is July 2025 to June 2026. Counted lang dito ang March, April, May, June 2026. Yung July–September 2026, hindi na counted kasi nasa semester of delivery na. SSS requires at least 3 paid contributions before the semester of contingency.
Kung ₱3,000 monthly total contribution mo at posted lahat, estimate mo is around:
₱46,667 for 105 days normal/CS delivery.
Kung solo parent, around ₱53,333.
Pwede mo rin i-check dito mommy:
https://sssmaternitybenefitscalculator.com

Yes mommy, pwede po 😊

Kung January 28, 2027 ang EDD mo, counted sa qualifying period ang April–June 2026. Pwede mong hulugan ang April to June ng ₱9,000 total kung ang ibig mo ay ₱3,000 per month, basta makagawa ka ng PRN for those months and mabayaran before deadline(pay on or before end of June). SSS says self-employed members may pay monthly or quarterly using PRN.

Mas okay bayaran agad para safe mommy. Check mo rin estimate mo dito:
https://sssmaternitybenefitscalculator.com

Hindi naman need na sunod-sunod, mommy 😊
Pwede ang Jan, Feb, April, basta pasok sila sa qualifying period, paid on time, at posted sa SSS.

Ang requirement ni SSS is at least 3 monthly contributions within the qualifying period — hindi required na consecutive.

Check mo qualifying period mo dito mommy:
https://sssmaternitybenefitscalculator.com

Hi Mommy, if September EDD mo ang qualifying period mo is April 2025 to March 2026 hindi po kasama sa count if April 2026 to June 2026 ang binayaran mo.

Hello mommy, yes tama po 😊
Kung October 2024 ang miscarriage mo, ang qualifying period is July 2023 to June 2024. Need at least 3 posted contributions within that period para qualified. SSS says miscarriage/ETP is covered for 60 days if qualified.

For filing, usually kailangan ng:
valid ID, proof of pregnancy like pregnancy test/ultrasound, and medical certificate or medical records showing miscarriage.

Kung employed ka noon, check with HR. Kung voluntary/SE ka, file through My.SSS.

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

Yes mommy, pwede pa po possible 😊
Kung January 2027 ang EDD mo, ang qualifying period mo is October 2025 to September 2026. So counted ang April at May 2026.

Kung ngayong katapusan ng June ka magbabayad, gumawa agad ng PRN sa My.SSS. Yung May pasok pa, pero yung April depende kung tatanggapin pa ng SSS system/PRN dahil may deadline ang contribution payments. For self-employed, SSS says contributions may be paid monthly or quarterly through PRN. If April to Jun ang i generate mo make sure na ma pay mo xa on or before end of this month (Current month now June)

Check mo rin qualifying period at estimate dito mommy:
https://sssmaternitybenefitscalculator.com