SSS Maternity Questions & Answers

Yes po, possible pa rin kayong makakuha ng **salary differential** kahit nakatanggap na kayo ng SSS maternity benefit noong **February 11, 2026**.

If **Employee** po kayo noong November 2025 maternity leave, separate po ang:

✅ **SSS Maternity Benefit** — reimbursable by SSS
✅ **Salary Differential** — difference between your full maternity pay and the SSS benefit, normally shouldered by the employer

So if SSS maternity benefit lang po ang natanggap ninyo at **wala pang salary differential na binayaran ang employer**, ask your **HR/Payroll** kung entitled kayo and whether your company is claiming an exemption.

Hindi po automatic na exempt ang employer. May specific exemption categories and requirements under the maternity law.

👉 Check our Salary Differential guide and employer exemption section here:
https://sssmaternitybenefitscalculator.com/sss-maternity-salary-differential/

If HR says exempt ang company, ask them **which exemption category applies** and what supporting document/approval they have.

Goodday po. Yes po, **may maternity benefit/pay pa rin kahit miscarriage**. Under the Expanded Maternity Leave Law, qualified employees are entitled to **60 days maternity leave with full pay** for miscarriage or emergency termination of pregnancy.

Since **Employee** po kayo, normally **employer/HR ang mag-a-advance ng SSS maternity benefit**, then sila ang magre-request ng reimbursement from SSS. If applicable, employer also pays the **salary differential** so that you receive full pay, unless exempt ang employer.

Hindi po ito additional regular salary on top of maternity pay. During your 60-day maternity leave, **maternity full pay ang matatanggap ninyo**, subject to SSS eligibility and your employer’s payroll processing.

If **October 2026 ang miscarriage**, SSS will also check whether you have at least **3 valid contributions within the applicable qualifying period**.

👉 Check your qualifying contributions and estimated maternity benefit:
https://sssmaternitybenefitscalculator.com/

👉 If you want to understand the employer salary differential:
https://sssmaternitybenefitscalculator.com/sss-maternity-salary-differential/

Please coordinate din po with **HR** and submit the medical documents related to the miscarriage so they can process your maternity claim.

Yes po, possible pa rin kayong makakuha ng **SSS Maternity Benefit kahit AWOL**, as long as qualified kayo based sa inyong SSS contributions and complete ang requirements.

Since **December 2026 ang EDD**, ang qualifying period ninyo is **July 2025–June 2026**. Kailangan may at least **3 valid monthly contributions** within that period.

If officially **employed pa rin** kayo, normally employer/HR ang magpo-process ng maternity benefit.

Pero if considered **separated na kayo or AWOL at hindi na kayo makakuha ng Certificate of Separation from employer**, may process din ang SSS for this situation. SSS allows an **Affidavit of Undertaking** in certain AWOL/strained relations cases stating the effective date of separation and that no maternity benefit advance was received from the employer.

👉 Guide for separated/resigned employees:
https://sssmaternitybenefitscalculator.com/sss-maternity-benefit-after-resignation/

👉 Check your qualifying contributions and estimated maternity benefit:
https://sssmaternitybenefitscalculator.com/

🏥 Check din po your possible PhilHealth maternity benefits:
https://sssmaternitybenefitscalculator.com/philhealth-maternity-benefits-checker/