SSS Maternity Questions & Answers

Hi mommy 😊 For EDD January 2027, ang qualifying period mo ay October 2025–September 2026. Counted lahat ng February–June employer contributions at July voluntary contribution mo. SSS uses the 6 highest MSCs within this period.

Based sa amounts na binigay mo kung ito yung total contribution amounts posted sa My.SSS, roughly ito ang MSC:

February ₱1,350 → ₱9,000 MSC
March ₱1,875 → ₱12,500 MSC
April ₱1,800 → ₱12,000 MSC
May ₱1,800 → ₱12,000 MSC
June ₱750 → ₱5,000 MSC
July ₱3,000 Voluntary → ₱20,000 MSC

So qualified ka na, pero kung hanggang July lang ang ₱3,000 contribution mo, estimated MatBen is around ₱41,125, not ₱70,000.

Kung mag-₱3,000 ka rin for August at September, estimated MatBen could increase to around ₱56,292. Hindi pa rin ₱70,000 because kailangan ng 6 months na ₱20,000 MSC para ma-max ang 105-day benefit.

Kung may contributions ka rin from October 2025–January 2026, send mo mommy yung amounts kasi baka mas mataas pa ang possible MatBen mo.

🎥 January 2027 EDD guide:
https://youtu.be/AosGUymw4G8

Hi mommy 😊 Since employed ka and na-submit mo na sa HR ang requirements, possible na internal processing pa lang sa employer kaya wala ka pang nakikitang Maternity Application history or email from SSS.

For employed members, the employer normally advances the maternity benefit first, then sila ang magfa-file ng Maternity Benefit Reimbursement Application (MBRA) sa My.SSS after they have paid you. SSS states that the employer should advance the full maternity benefit within 30 days from the filing of your maternity leave application.

So mommy, magandang itanong kay HR:

“Na-submit na po ba sa SSS My.SSS Employer account ang maternity reimbursement application, or internal processing pa lang po?”

Kung one week pa lang since nagsubmit ka, possible normal pa po iyon. Pero keep your documents and ask HR for the SSS transaction/reference number once officially submitted para may proof ka na filed na talaga.

Yes mommy, possible na kailangan mo pa rin ng confirmation/document from your past employer, lalo na kung nanganak ka within 6 months from separation.

Usually ang hinihingi ni SSS is Certificate of Separation from Employment na nakalagay ang:

1. effective date of separation
2. statement na wala kang natanggap na advance maternity benefit / no advance payment

This is listed by SSS for separated employment cases. Kung hindi mo makuha ang certificate, SSS also mentions an Affidavit of Undertaking as possible alternative for members who cannot secure the Certificate of Separation.

Simple answer:
Yes mommy, ask your previous HR/employer for Certificate of Separation with No Advance Payment. Kailangan ito para ma-prove sa SSS na hindi ka nabayaran ng employer before, so SSS can process the benefit directly to you.

Kung ayaw magbigay ang employer, ask SSS branch kung puwede ka gumamit ng Affidavit of Undertaking.