SSS Maternity Questions & Answers

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OFW - Land-based Qualifying Period EDD: September 2026
Question from Karol
Asked Jul 2, 2026

EDD : September 2026, OFW registered member.
Contribution paid :₱3000 ( april ,may, june 2025)
I am planning to pay my January , Feb, March 2025 on july 2,2026. Will I qualify for 70,000 maternity benefits?

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Answer from SSS Maternity Calculator Team: Answered Jul 2, 2026

Hi mommy 😊 For EDD September 2026, ang qualifying period mo is April 2025 to March 2026.

Yung paid mo na April, May, June 2025 ₱3,000 each ay counted, so qualified ka possible kasi may 3 contributions ka na basta na pay xa on or before due date.

Pero yung plan mo bayaran na January–March 2025 hindi napo counted , kasi outside QP siya. Hindi rin xa maging ₱70k kasi need mo atleast 6 highest month contributions.

Kung 3 max months lang meron ka, possible estimate is around ₱35,000, not ₱70,000.

Due date safe note: last QP month is March 2026, so dapat paid/posted before April 2026 semester starts.
OFW due date rule: January–September contributions may be paid until December 31 of the same year.
But for SSS maternity, SSS says contributions paid within or after the semester of contingency are not counted

Check estimate here 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.

Related Questions

Self-Employed Qualifying Period EDD: December 2026
Question from Jean
Asked Jul 22, 2026

EDD ko December 2026 may hulog Po Ako march April may qualified Po ba Ako

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Answer from SSS Maternity Calculator Team: Answered Jul 26, 2026

Hi mommy 😊 Kung December 2026 ang EDD mo, ang qualifying period mo ay July 2025–June 2026.

Yes mommy, possible kang qualified kung ang March, April, and May 2026 contributions mo ay paid and posted on time. Pasok sila sa qualifying period, at may minimum 3 paid and posted contributions ka.

Pero kung binayaran lang sila July 2026 or later, possible hindi na sila counted sa MatBen kasi July 2026 na ang start ng semester of contingency.

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: 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

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Self-Employed Qualifying Period EDD: December 2026
Question from BEBEI
Asked Jul 22, 2026

EDD ko December 2026 may hulog Po Ako march ,April, may qualified Po ba Ako?

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Answer from SSS Maternity Calculator Team: Answered Jul 26, 2026

Hi mommy 😊 Kung December 2026 ang EDD mo, ang qualifying period mo ay July 2025–June 2026.

Yes mommy, possible kang qualified kung ang March, April, and May 2026 contributions mo ay paid and posted on time. Pasok sila sa qualifying period, at may minimum 3 paid and posted contributions ka.

Pero kung binayaran lang sila July 2026 or later, possible hindi na sila counted sa MatBen kasi July 2026 na ang start ng semester of contingency.

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: 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

Check your exact qualifying months and deadlines
See which contribution months may count based on your EDD and SSS member type.
Voluntary Qualifying Period EDD: February 2027
Question from Potpot
Asked Jul 22, 2026

EDD ko ay February 2027, anong mga buwan ang Kailangan Kong bayaran

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Answer from SSS Maternity Calculator Team: Answered Jul 26, 2026

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

Kailangan may at least 3 paid and posted contributions within this period para ma-qualified. Pero kung gusto mong mas mataas ang makuha, mas okay kung may 6 months na mataas ang MSC dahil 6 highest MSCs ang gagamitin ni SSS sa computation.

Kung July 2026 pa ngayon, puwede mong unahin ang:

April–June 2026 — puwedeng bayaran as quarterly payment if may valid PRN and paid on or before end of July 2026
July–September 2026 — bayaran on time; ito rin ang last months na counted for Feb 2027 EDD kailngan ma pay mo xa on or before end of September

Hindi na counted ang October 2026 onwards sa February 2027 MatBen computation.

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.

Preparing for Baby Expenses?

Hospital delivery in the Philippines can easily cost ₱60,000 - ₱200,000 depending on the hospital and type of delivery. Many parents use a credit card to manage these expenses while waiting for their SSS maternity benefits.

Apply for a UnionBank Credit Card
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