SSS Maternity Questions & Answers

Hi mommy 😊 Yes, makikita mo po kung magkano ang nahulog mo by checking your My.SSS account or MySSS mobile app under monthly contributions.

Hindi ko po makikita ang exact amount unless makita ang monthly posted contributions mo. Pwede mong i-check or i-send ang screenshot/list ng hulog mo per month, then ma-estimate natin ang possible maternity benefit.

For maternity benefit, ang importante ay ang paid and posted contributions within your qualifying period, at gagamitin ni SSS ang 6 highest MSCs.

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

Hi mommy 😊 Kung February 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Yes mommy, possible ka pa ring ma-qualified kahit new SSS account, basta makapaghulog ka ng at least 3 paid and posted contributions within the qualifying period.

Kung July 2026 ka pa lang magsisimula, focus sa July, August, and September 2026. Kung 1 month lang ang mahulugan, hindi pa sapat. Hindi na rin puwedeng habulin ang past months na lampas na ang deadline.

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 😊 Yes, possible pa po makakuha kahit 3 years old na si baby, kasi SSS maternity claim may be filed within 10 years from date of delivery.

Pero subject pa rin sa qualification: dapat may at least 3 paid and posted contributions within your qualifying period, at complete ang documents.

How to claim: mag-file ng Maternity Benefit Application / MAT-2 through My.SSS or SSS branch. Prepare ang birth certificate ni baby, valid IDs, and other documents na hihingin ni SSS. Kung separated ka before delivery, possible kailangan ng Certificate of Separation and proof na walang advance maternity payment.

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

Hi mommy 😊 Kung February 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Yes mommy, April–September 2026 ay kasama sa qualifying period, so puwede silang makatulong sa maternity benefit basta paid at posted on time. Kailangan may at least 3 paid and posted contributions within the qualifying period.

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: 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 😊 For EDD March 2027, ang qualifying period mo ay October 2025–September 2026.

To get the maximum ₱70,000, kailangan may 6 months na ₱20,000 MSC within that qualifying period. If you just started working and wala kang hulog for more than 6 months before, hindi na usually puwedeng habulin ang missed months just to reach the maximum. SSS uses the 6 highest MSCs in the qualifying period, and at least 3 paid contributions are required.

If your company pays only July–September 2026 at maximum MSC, possible ka pa ring qualified, pero estimate is around ₱35,000 for 105 days, not ₱70,000. To reach ₱70,000, dapat may 6 valid max-MSC months, not only 3.

Ask HR to make sure your July, August, and September 2026 contributions are paid and posted under the correct salary/MSC.

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

Hindi pa po masasabi ang exact amount without your monthly posted contributions or MSC within this period. Gagamitin ni SSS ang 6 highest MSCs mo sa qualifying period, at kailangan may at least 3 paid at posted contributions.

Maximum for normal delivery or CS is usually ₱70,000 kung may 6 months na maximum MSC, pero 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 December 2026 guide:
https://youtu.be/BGd2vdgpqc8?si=P8RitlfNYnqaaxjn

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

Hi mommy 😊 Kung hindi ka na employed at gusto mo pang maghulog moving forward, yes, kailangan mong mag-update or magbayad under the correct status like Voluntary, Self-Employed, or NWS, depende sa situation mo.

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

Hi mommy 😊 Kung November 2026 ang EDD or actual delivery mo, ang qualifying period mo ay July 2025–June 2026.

Sa contributions mo from April 2024–August 2025, ang counted lang sa qualifying period ay July and August 2025. So kung iyon lang ang hulog mo, 2 months lang ang counted at hindi pa pasok sa required na at least 3 paid and posted contributions.

Possible ka lang ma-qualified kung may iba ka pang paid and posted contributions from September 2025–June 2026.

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 September 2026 ka manganak, ang qualifying period mo ay April 2025–March 2026.

Kung may missing months ka sa qualifying period at Voluntary, Self-Employed, or NWS ka, hindi na po usually puwedeng habulin kapag lampas na ang deadline. Considered gap na po iyon. Pero kung employed ka sa missing months, ask HR/employer kung na-remit na or ipapa-post pa nila.

Makaka-claim ka pa rin kung may at least 3 paid and posted contributions within the qualifying period. Hindi required na kumpleto lahat ng months.

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

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, pwede ka pang maghulog para ma-qualify, basta ang babayaran mo ay months na puwede pa at paid/posting on time. Kailangan may at least 3 paid at posted contributions within the qualifying period.

Kung Old member ka at no changes sa status member type mo pwede papo hulugan.

For example, kung wala ka pang hulog ng April to June generate ka 1PRN for quarter payment, bayaran mo xa on or before end of July,
then sa July–September 2026 pay mo xa on or before end of Sept.
Kung maka generate ka rin ng Jan 2026 to March 2026 pwede mo din eto pay pero considered late payment na xa, pero might be useful for future benefits po.

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