SSS Maternity Questions & Answers

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Employee Contribution / Payment Deadline EDD: October 2026

Question from Charlyn

Asked Jun 24, 2026

I would like to request clarification regarding my eligibility and estimated amount for my SSS maternity benefit.

My expected delivery date is October 2026. Below is my posted SSS contribution history:

January 2025 – ₱5,250.00
February 2025 – ₱2,175.00
March 2025 – ₱4,200.00
April 2025 – ₱4,050.00
May 2025 – ₱3,675.00
June 2025 – ₱3,675.00
July 2025 – ₱3,450.00
August 2025 – ₱3,450.00
September 2025 – ₱5,250.00
October 2025 – ₱3,900.00
November 2025 – ₱3,675.00
December 2025 – ₱3,225.00

January 2026 – No posted contribution
February 2026 – No posted contribution
March 2026 – No posted contribution

April 2026 – ₱4,050.00
May 2026 – Pending posting
June 2026 – Pending posting

I was separated from my previous employer, which is why I was not able to have contributions posted for January 2026 to March 2026. I started with my new employer in April 2026.

My questions are:

1. Based on my posted contributions and my expected delivery date in October 2026, am I qualified to receive the SSS maternity benefit?

2. Does my missed contribution from January 2026 to March 2026 affect my eligibility for the maternity benefit?

3. Based on my posted contributions, what is my estimated SSS maternity benefit amount?

4.If I am allowed to pay my missed contributions for January 2026, February 2026, and March 2026, will this increase my estimated maternity benefit?

5. My May 2026 and June 2026 contributions are still not reflected. Should I wait for these contributions to b osted before applying for my maternity benefit?

6. Since I am currently employed, will my employer process my SSS maternity benefit claim, or do I need to file any part of the claim directly with SSS?

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Answer from SSS Maternity Calculator Team: Answered Jun 25, 2026

Hi mommy 😊 Based sa details mo, qualified ka possible.

For EDD October 2026, ang qualifying period mo is July 2025 to June 2026. May posted hulog ka na from July–December 2025, kaya more than 3 contributions ka na.

Yung missed January–March 2026, hindi na siya problem sa eligibility mo. At based sa posted contributions mo, possible ₱70,000 ang maternity benefit mo for normal/CS delivery, kasi may 6 high/max months ka na sa QP.

Kung pwede man bayaran ang Jan–March, likely hindi na tataas ang benefit mo kasi possible max na. Yung May at June 2026, follow up mo pa rin sa HR/SSS para ma-post. Safe note: since June 2026 ang last month ng QP, mas okay kung paid/posted on or before end of June.

Since currently employed ka, HR/current employer usually ang magpo-process ng maternity claim mo. Make sure filed ang MAT-1 before delivery.
You can also ask your employer since lagpas ka sa highes MSC possible meron ka Salary differential na pwede pa makuha sa Employer mo aside sa 70k Matben na manggagaling kay SSS.

Pwede mo rin i-check estimate dito:
https://sssmaternitybenefitscalculator.com

Check your exact qualifying months and deadlines

See which contribution months may count based on your EDD and SSS member type.

Check My Months & Deadlines

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Voluntary Contribution / Payment Deadline EDD: March 2026

Question from Jessica

Asked Jul 27, 2026

EDD ko po March 2026 at Voluntary member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Gusto ko pong malaman kung maaari ko pang bayaran ang March 2027 and April 2027 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Nag check ako sa calculator ng maternity benefit ng sss totoo bang pwede ko pa mahulugan ang qualifying dates ko from july to September para maka avail ng maternity benefit?

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Answer from SSS Maternity Calculator Team: Answered Jul 27, 2026

Hi mommy 😊 Pakicheck muna ang year kasi magkaiba ang sagot:

Kung March 2027 ang EDD mo, ang qualifying period mo ay October 2025–September 2026.

Yes, possible na makatulong ang July, August, September 2026 para maka-qualify, basta mabayaran gamit valid PRN at ma-post before October 2026. Para safe, bayaran mo siya on or before end of September 2026, kasi October 2026 ang start ng semester of contingency mo.

Pero ang March 2027 at April 2027 na hulog ay hindi na counted sa March 2027 MatBen.

Kung March 2026 talaga ang EDD mo, hindi na po hahabol ang July–September 2026 or 2027 payments, kasi tapos na ang qualifying period.

Last QP month for March 2027 EDD: 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

Check your exact qualifying months and deadlines

See which contribution months may count based on your EDD and SSS member type.

Check My Months & Deadlines

Voluntary Contribution / Payment Deadline EDD: February 2027

Question from Maria

Asked Jul 26, 2026

EDD ko po February 2027 at Voluntary member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Gusto ko pong malaman kung maaari ko pang bayaran ang July 2026, August 2026, and September 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: how much po ang ihuhulog ko sa 3 months?

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Answer from SSS Maternity Calculator Team: Answered Jul 27, 2026

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

Kung wala ka pang ibang paid/posted contribution sa qualifying period, kailangan mo ng at least 3 months para maka-qualify.

For July, August, September 2026, ito ang practical options:

Best for higher MatBen:
₱3,000 per month × 3 months = ₱9,000 total
Estimated MatBen for normal/CS 105 days: around ₱35,000

Minimum only:
₱750 per month × 3 months = ₱2,250 total
Estimated MatBen for normal/CS 105 days: around ₱8,750

So kung kaya ng budget at ang goal mo ay mas mataas ang maternity benefit, ₱3,000 per month ang mas okay. No need na lumampas sa ₱3,000 per month for MatBen purpose kasi SSS maternity computation is based only up to ₱20,000 regular MSC.

Important: bayaran at ma-post ang July–September 2026 on or before September 2026 para safe, kasi October 2026 ang start ng semester of contingency mo.

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

Check your exact qualifying months and deadlines

See which contribution months may count based on your EDD and SSS member type.

Check My Months & Deadlines

Voluntary Contribution / Payment Deadline EDD: February 2027

Question from Maria

Asked Jul 26, 2026

EDD ko po February 2027 at Voluntary member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Gusto ko pong malaman kung maaari ko pang bayaran ang July 2026, August 2026, September 2026, October 2026, November 2026, December 2026, and January 2027 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: How much is my maternity benefit?

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Answer from SSS Maternity Calculator Team: Answered Jul 27, 2026

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

Para maka-qualify, kailangan may at least 3 paid and posted contributions within that period.

Sa months na gusto mong bayaran:

✅ July 2026, August 2026, September 2026 — possible counted, basta paid and posted on time before October 2026.
❌ October 2026, November 2026, December 2026, January 2027 — hindi na counted sa February 2027 MatBen kasi nasa semester of contingency na sila.

Kung July–September 2026 lang ang valid paid months mo at ₱3,000 total SSS contribution per month, estimated maternity benefit mo for normal/CS 105 days is around ₱35,000.

Tataas lang siya kung may iba ka pang valid paid/posted contributions within October 2025–September 2026.

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

Check your exact qualifying months and deadlines

See which contribution months may count based on your EDD and SSS member type.

Check My Months & Deadlines

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