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Question

Employee Contribution / Payment Deadline EDD: October 2026
Question from Charlyn
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?

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 EDD, member type, months & deadlines
Your October 2026 EDD and Employee member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
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Related questions

Other recently answered cases with a similar situation or member type.

Question

Contribution / Payment Deadline EDD: February 2027
Question from Mommy
Sep 8, 2026

EDD ko is FEBRUARY 2027 may hulog ako ng OCTOBER 2025-APRIL 2026 qualified parin ba yun maternity benefits

Answer from SSS Maternity Calculator Team Answered Sep 12, 2026

Hi mommy 😊 Yes po, qualified ka based sa contributions na sinabi mo, provided valid at posted lahat sa My.SSS.

For EDD February 2027, ang qualifying period mo ay October 2025–September 2026. Since may hulog ka from October 2025 hanggang April 2026, mayroon kang 7 qualifying months, which is more than the minimum 3 monthly contributions required.

So kahit wala kang hulog from May–September 2026, possible ka pa ring qualified. Ang exact MatBen amount naman will depend sa 6 highest MSCs within your qualifying period.

🎥 February 2027 EDD guide:
https://youtu.be/FvI2gVRmKEM?si=ejIDbagMWfc4NPn0

Check your EDD, member type, months & deadlines
Your February 2027 EDD is already selected. Confirm the date and choose your member type 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.
View UnionBank Offer
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

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Question

Voluntary Contribution / Payment Deadline EDD: July 2020
Question from Mommy
Sep 8, 2026

EDD of ectopic pregnancy July 20,2020 tapos may hulog ako january hanggang june 2020

Answer from SSS Maternity Calculator Team Answered Sep 12, 2026

Hi mommy 😊 If ang actual ectopic pregnancy/termination date mo ay July 20, 2020, ang qualifying period mo ay April 2019–March 2020.

So sa contributions na sinabi mo:

January 2020 ✅ counted
February 2020 ✅ counted
March 2020 ✅ counted
April–June 2020 ❌ hindi na kasama sa qualifying period

If valid at properly paid ang January–March 2020, mayroon kang required 3 qualifying contributions, so possible kang qualified for SSS maternity benefit for 60 days dahil covered ang ectopic pregnancy under miscarriage/ETP benefits.

Good news din mommy: SSS maternity claims may be filed within 10 years from the date of miscarriage/ETP, so kung July 20, 2020 ang actual date, possible pa ring mag-file ngayon subject to SSS validation and complete medical documents.

Check your EDD, member type, months & deadlines
Your July 2020 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.
View UnionBank Offer
Preparing for baby?
You can also check useful baby essentials on Shopee.
Shop Baby Essentials

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Question

Contribution / Payment Deadline EDD: March 2027
Question from Mommy
Sep 7, 2026

Good morning po,
Ang EDD ko po ay March 2027,
binayaran ko po ang April, May, at June last July 2026 na tig 3,000. At plan na bayaran ang July, August at September this month din po na tig 3,000.
Ngayon po ang tanong ko, pasok ba ang payment ko sa April - June sa computation ng Maternity benefits ko? May iilan kasing nagsasabi na baka hindi ito mapasama sa computation kasi late payment.

Answer from SSS Maternity Calculator Team Answered Sep 7, 2026

Hi mommy 😊 Yes po, pasok ang April–June 2026 payments mo for EDD March 2027, provided nabayaran sila on or before July 31, 2026 at properly posted sa My.SSS. Hindi po sila considered late kung within that quarterly deadline ang payment.

Ang qualifying period mo ay October 2025–September 2026, kaya counted ang:

April–June 2026 ✅
July–September 2026 ✅

If mabayaran mo rin ang July–September before October at ₱3,000/month lahat ng 6 months, possible kang umabot sa ₱70,000 MatBen for 105-day live childbirth, provided valid at posted lahat. 😊

🎥 March 2027 EDD guide:
https://youtu.be/Wk5uDmaHl4g?si=CWFjXwU72xBWm_fW

Check your EDD, member type, months & deadlines
Your March 2027 EDD is already selected. Confirm the date and choose your member type 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.
View UnionBank Offer
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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