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

675 questions found

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Question

Member: Voluntary EDD: May 2026 Contribution / Payment Deadline
Question from Jennifer
Jun 23, 2026

EDD ko po ay May 2026, nag pass na po ako maternity application ko then approved na po . Expected ko po makukuha 70k pero 35k lng ang na approved na makukuha ko . Nag bayad po ako ng 3,000 from july to december 2025. Bakit po kaya mababa ung makukuha ko?

Answer from SSS Maternity Calculator Team Answered Jun 23, 2026

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

Check your EDD, member type, months & deadlines
Your May 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: Voluntary EDD: January 2027 Contribution / Payment Deadline
Question from Maria
Jun 23, 2026

EDD ko po is January 5, 2027 pero nanganak ako ng December 28, 2026. May hulog ako na 3k monthly from March - sept 2026. Magkano makukuha ko?

Answer from SSS Maternity Calculator Team Answered Jun 23, 2026

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

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

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Question

Member: Voluntary EDD: January 2027 Contribution / Payment Deadline
Question from Andrea
Jun 22, 2026

Edd kopo January 28. 2027 Wala pako hulog nung April pwede koba hulugan ng 9k ang April to June

Answer from SSS Maternity Calculator Team Answered Jun 23, 2026

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

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: Not provided Contribution / Payment Deadline
Question from wena
Jun 22, 2026

Need po ba tuloy tuloy bayaran ang contribution? Like Jan. Feb. March or pwedeng Jan. feb. April?

Answer from SSS Maternity Calculator Team Answered Jun 23, 2026

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

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

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Question

Member: Voluntary EDD: September 2026 Contribution / Payment Deadline
Question from Tin
Jun 22, 2026

Edd ko september 2026, nag hulog ako 1200 per month from april to june 2026 , may makukuha pa ba ako? At kung ipagpatuloy ko pa ito hanggan sa manganak ako included pa ba?

Answer from SSS Maternity Calculator Team Answered Jun 23, 2026

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.

Check your EDD, member type, months & deadlines
Your September 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: Voluntary EDD: Not provided Miscarriage / Stillbirth
Question from Lyka
Jun 22, 2026

Hello po. Nakunan po ako nung October 2024 2months po ako nun. July 2023 to June 2024 po ba QP nun? And ano po mga kailangan para makapag file ng miscarriage? Thankyou po

Answer from SSS Maternity Calculator Team Answered Jun 23, 2026

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

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 Contribution / Payment Deadline
Question from nerissa
Jun 22, 2026

Eed ko ai january 2027 maari ko po bang habulin ang buwan ng april at may ngayon june katapusan?

Answer from SSS Maternity Calculator Team Answered Jun 23, 2026

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

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: September 2026 Qualifying Period
Question from Kristine
Jun 22, 2026

Edd ko Po ay September 17 2026, mag kano kaya makukuwa ko maternity?

Answer from SSS Maternity Calculator Team Answered Jun 23, 2026

Hi mommy 😊 For EDD September 17, 2026, ang qualifying period mo is April 2025 to March 2026.

Kung magkano ang makukuha, depende po sa 6 highest posted contributions/MSC mo sa period na yan. If maximum ang hulog mo sa 6 highest months, possible up to ₱70,000 for normal/CS delivery.

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

Check your EDD, member type, months & deadlines
Your September 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: Voluntary EDD: December 2026 Employer / Resigned / Separated
Question from Lhovelly
Jun 22, 2026

Edd ko po is dec 2026.pero may hulog po ako buong year of 2024 at 2025. Neto January 2026 lang na stop dahil wla nako work need ko padin poba mag hulog

Answer from SSS Maternity Calculator Team Answered Jun 24, 2026

Yes mommy, qualified ka na possible 😊

Kung December 2026 ang EDD mo, ang qualifying period mo is July 2025 to June 2026. Since may hulog ka buong 2025, counted ang July–December 2025, so may more than 3 contributions ka na. SSS requires at least 3 paid contributions before the semester of delivery.

Hindi na required maghulog para lang ma-qualify sa maternity, pero pwede ka mag-voluntary ulit para tuloy ang SSS benefits mo in the future.

Check mo estimate mo 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.
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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 Contribution / Payment Deadline
Question from Maurine
Jun 22, 2026

Edd ko na sa October pwede ko pabang hulugan ang march, April, may at June?

Answer from SSS Maternity Calculator Team Answered Jun 24, 2026

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

So March, April, May, at June 2026 are counted months. Pero kung ngayon ka pa lang magbabayad:

March 2026 — possible late na, baka hindi na tanggapin.
April–June 2026 — possible pa if makagawa ka ng PRN and mabayaran on time, especially as quarterly payment. (due on or before end of June)

Kung employed ka, dapat employer ang maghulog. Kung voluntary/SE ka, check agad sa My.SSS PRN. SSS says contributions paid within/after the semester of contingency are not counted for maternity computation, and maternity needs at least 3 qualifying contributions before that semester.

Check mo rin estimate 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.

Open direct answer

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