SSS Maternity Help

SSS Maternity Questions & Answers

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What do you need help with?

These are the most common SSS maternity concerns from real questions submitted on this site. Choose the closest concern, or use the Questions Finder above for a specific case.

Can I still pay my contributions?
Check which qualifying months are still open and the applicable deadline.
What months count for my maternity benefit?
Find your exact 12-month SSS maternity qualifying period from your EDD.
How much maternity benefit will I get?
Use the full calculator for a personalized benefit estimate and next steps.
I resigned, separated, or changed member type
Check what happens to your maternity benefit after leaving an employer.
MAT-1 / Maternity Notification
Browse answered MAT-1 cases, late notification questions, and next steps.
MAT-2 / Filing my maternity claim
Go to the MAT-2 guide for filing, requirements, and claim preparation.
My maternity claim was rejected or denied
Use the rejection guide to match the exact SSS error or rejection reason.
Miscarriage / stillbirth / ETP
Open the dedicated miscarriage maternity hub for benefits, filing, and requirements.

Community answers

Latest answered questions

666 questions found

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Question

Member: Voluntary EDD: June 2026 Employer / Resigned / Separated
Question from Marizza
Jul 3, 2026

Nanganak po ako june 21 2026 makakakuha pa rin po ba ako ng maternity benefits kung mag vovoluntary po ako?

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

Hi mommy 😊 Since June 21, 2026 ka nanganak, ang qualifying period mo ay January–December 2025.

Kung may at least 3 paid at posted contributions ka within that period, possible kang qualified. Pero kung ngayon ka pa lang magbabayad as Voluntary, hindi na iyon counted para sa June 2026 MATBEN dahil tapos na ang qualifying period.

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

SSS Maternity Benefit After Resignation or Separation
See who should file your claim, what documents may be required, and what to do if your former employer did not advance your maternity benefit.
View SSS Maternity After Resignation Guide
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
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Question

Member: Voluntary EDD: November 2026 Contribution / Payment Deadline
Question from Mae
Jul 3, 2026

EDD ko po ay November 2026 at nakahulog ako monthly ng 750 pesos from January 2025 to June 2026.

Magkano po kaya ang makukuha ko?

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

Hi mommy 😊 For EDD November 2026, ang qualifying period mo ay July 2025 to June 2026.

Kung ₱750 ang total monthly SSS contribution mo, estimated maternity benefit mo ay around ₱17,500 for normal/CS delivery, basta paid on time at posted lahat. SSS uses the 6 highest MSCs within the QP.

Kung ₱750 ay employee deduction lang sa payslip, possible mas mataas ang amount.

Last QP month: June 2026.

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

Check your EDD, member type, months & deadlines
Your November 2026 EDD and Voluntary member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
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Question

Member: Employee EDD: August 2026 Miscarriage / Stillbirth
Question from Ella
Jul 3, 2026

Hi edd ko Po august 2026 nakunan Po Ako march 10, 2026
Paid ko Po is July -dec2025 to January to april2026
Mag Kano Po kaya ang makukuha ko
1275 Po ang bawas Sakin Ng employer ko Bali total Po Ng contribution ko 12,750 salamat Po sa sasagot

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

Hi mommy, sorry po sa nangyari 🥺

Since March 10, 2026 ka nakunan, ang qualifying period mo ay October 2024–September 2025. Sa hulog mo, July–September 2025 lang ang counted; hindi na counted ang October 2025 onward.

Kung ₱1,275 ay employee deduction sa payslip, estimated SSS maternity benefit mo is around ₱20,000 for 60 days, basta posted ang 3 months. SSS requires at least 3 qualifying contributions.

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

Check your EDD, member type, months & deadlines
Your August 2026 EDD and Employee member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

Affiliate disclosure: using these links helps support our website and keep it free. We may earn a commission at no extra cost to you. Approval and card terms are subject to UnionBank.

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Question

Member: Voluntary EDD: Not provided Miscarriage / Stillbirth
Question from Blesila
Jul 3, 2026

Hello Po pwd kopa Po ba mahulugan October 2024 since nakunan Ako by March 2026 Po para makakuha Ako maternity benifits slmt

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

Hi mommy, sorry po sa nangyari 🥺

Since March 2026 ka nakunan, ang qualifying period mo is October 2024 to September 2025. Pero kung ngayon pa lang babayaran ang October 2024, hindi na po pwede dahil retroactive/late payment na at hindi na counted sa MATBEN.

Qualified ka lang kung may at least 3 paid at posted contributions within that QP.

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

Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

Affiliate disclosure: using these links helps support our website and keep it free. We may earn a commission at no extra cost to you. Approval and card terms are subject to UnionBank.

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Question

Member: Voluntary EDD: October 2026 Qualifying Period
Question from Lejean
Jul 3, 2026

EDD ko sa Oct 2026 pwede po ba Maka avail sa SSS maternity ?
Dina Ako naka hulog almost last year pa last hulog ko

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

Hi mommy 😊 For EDD October 2026, ang qualifying period mo is July 2025 to June 2026.

Possible ka pa ring qualified kung may at least 3 paid at posted contributions within that period. Check mo ang exact months ng last hulog mo—kung bago July 2025 lahat, hindi na sila counted.

Last QP month: June 2026. For MATBEN, dapat nabayaran ang qualifying contributions on or before end of June 2026.

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

Check your EDD, member type, months & deadlines
Your October 2026 EDD and Voluntary member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

Affiliate disclosure: using these links helps support our website and keep it free. We may earn a commission at no extra cost to you. Approval and card terms are subject to UnionBank.

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Question

Member: Employee EDD: August 2026 Salary Differential
Question from Rica
Jul 3, 2026

Hello po kakasubmit lang po ng employer ko ng Mat 1 nung June 25, edd ko po is August 19, 2026. Ilang days po process bago macredit saken? Possible po ba na iadvance nila yung Matben ko pati salary differential?

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

Hi mommy 😊 MAT-1 is notification only, kaya hindi pa automatic na may macre-credit after submission.

Since employed ka, employer ang dapat mag-advance ng SSS maternity benefit within 30 days from filing ng maternity leave application—not necessarily 30 days from MAT-1 submission. Si SSS naman ang magre-reimburse sa employer.

Possible rin na isabay ang salary differential para maging full maternity pay, kung may difference at hindi exempt ang employer.

Ask HR: “Considered na po bang maternity leave application ang pinasa ko, at kailan po release ng SSS advance at salary differential?”

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

Check your EDD, member type, months & deadlines
Your August 2026 EDD and Employee member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

Affiliate disclosure: using these links helps support our website and keep it free. We may earn a commission at no extra cost to you. Approval and card terms are subject to UnionBank.

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Question

Member: Voluntary EDD: January 2027 Contribution / Payment Deadline
Question from shaira
Jul 3, 2026

EDD kopo ay January 2027 kailangan ba updated ang aking maging monthly contributions?

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

Hi mommy 😊 Hindi naman kailangang updated o tuloy-tuloy every month.

For EDD January 2027, ang qualifying period mo is October 2025 to September 2026. Need at least 3 paid at posted contributions within that period para qualified. Pero para mas mataas ang benefit, ginagamit ni SSS ang 6 highest MSC mo.

Last QP month: September 2026 — safest na paid/posted by September 30, 2026.

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

Check your EDD, member type, months & deadlines
Your January 2027 EDD and Voluntary member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

Affiliate disclosure: using these links helps support our website and keep it free. We may earn a commission at no extra cost to you. Approval and card terms are subject to UnionBank.

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Question

Member: Voluntary EDD: June 2026 Contribution / Payment Deadline
Question from Ivy
Jul 3, 2026

EDD ko po is june 23,2026 pero nanganak ako is May 29,2026 tapos ang hulog ko sa SSS is Jan-June 30 2025 last hulog ko tapos total ng contribution ko is 17,975 magkano kaya makuha ko at qualifying din po ba ako for maternity?

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

Hi mommy 😊 Since May 29, 2026 ka nanganak, ang qualifying period mo is January–December 2025.

Counted lahat ng hulog mo from January–June 2025, kaya qualified ka possible dahil may 6 contributions ka. SSS uses the 6 highest MSCs for computation.

Kung yung ₱17,975 ay total contribution ng 6 months, rough estimate mo is around ₱69,000–₱70,000 for 105 days. Exact amount still depends sa posted MSC per month.

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

Check your EDD, member type, months & deadlines
Your June 2026 EDD and Voluntary member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

Affiliate disclosure: using these links helps support our website and keep it free. We may earn a commission at no extra cost to you. Approval and card terms are subject to UnionBank.

Open direct answer

Question

Member: Voluntary EDD: January 2027 Employer / Resigned / Separated
Question from grace
Jul 3, 2026

Hello!
Edd ko po is January 2027 madadala po ba sa computation yung paid k nang Oct 2025 to Feb 2026 since nag stop na po ako sa trabaho
Thank you po

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

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

Yes, counted ang hulog mo from October 2025 to February 2026 kahit nag-stop ka na sa work, basta posted sa SSS. May 5 qualifying contributions ka na, kaya qualified ka possible.

Last QP month: September 2026 — dapat paid/posted by September 30, 2026 para safe.

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

SSS Maternity Benefit After Resignation or Separation
See who should file your claim, what documents may be required, and what to do if your former employer did not advance your maternity benefit.
View SSS Maternity After Resignation Guide
Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

Affiliate disclosure: using these links helps support our website and keep it free. We may earn a commission at no extra cost to you. Approval and card terms are subject to UnionBank.

Open direct answer

Question

Member: Voluntary EDD: Not provided Disbursement / Bank
Question from Rose
Jul 3, 2026

Do you also check po DAEM status? Nag enroll po ako ng daem using my metrobank account. First attempt, rejected due to lacking documents sa selfie. Nag second attempt ako using the same bank account. Nawala po unh status na for branch approval and wala akong na received na email na status ng enrollment ko and wala ding active account under sa DAEM. No records found lang po dun. Kaya i tried to enroll again using the same mb account po pero nag pop up message na “Enrollment failed. You can only use one account per bank. Your Metrobank account is already enrolled or in use.” Ano po meaning neto? Meaning po ba in process po sa review and verification ang sss for approval or rejected na at d na magagamit bank account ko?

Answer from SSS Maternity Calculator Team Answered Jul 4, 2026

Hindi ko po directly ma-check ang personal DAEM status mo, mommy. Pero yung message na “account is already enrolled or in use” means may existing record na si SSS para sa Metrobank account mo. Hindi ibig sabihin nito na approved na—possible na pending pa ang second submission or hindi pa na-clear sa system yung rejected enrollment.

Since wala pang lumalabas na Active Account, huwag muna gamitin iyon as confirmed/approved DAEM. SSS requires an approved disbursement account for maternity benefit payment.

Best gawin:

Huwag muna mag-submit ulit gamit ang same account.
Screenshot the error and check your registered email/spam.
If wala pa ring status, visit an SSS branch and request “DAEM/Proof of Account verification.”
Bring your UMID/PhilID or two valid IDs, original Metrobank proof of account, at screenshot ng error. Ito mismo ang process na stated sa SSS Circular 2022-019.

Pwede ka ring tumawag sa 1455 or email usssaptayo@sss.gov.ph

Need another payment option?
You may optionally review the UnionBank credit-card offer and compare the costs before applying.
Check if You Qualify in 1–2 Minutes
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

Affiliate disclosure: using these links helps support our website and keep it free. We may earn a commission at no extra cost to you. Approval and card terms are subject to UnionBank.

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