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Question

Employee Salary Differential EDD: September 2026
Question from Nix
Jul 15, 2026

Hello po, may question po ulit ako regarding sa SSS Salary Differential, based po sa nabanggit ninyo before na wala naman po un sa daily rate kung makakakuha ng Salary Differential or hindi, ang question ko po, for example po EDD ko po ay Sept 2026 pero before pa e nakapag sickleave na ako simula po april dahil advised po ng OBGYN ko until makapanganak na ung bedrest ko, eligible pa din po ba makatanggap ng Salary Differential? Since ang ginawa ko po starting May until now ay ako po ang nagbabayad ng lahat ng contributions ko. Pero ang Salary Differential po ay papasok ba sya sa qualifying period? Or sa 105 days po na mat leave sya ibabased para makakuha ako ng Salary Differential? Kaya ko po nililinaw kase malaking tulong din po u ng makukuha ko dun if ever po.

Answer from SSS Maternity Calculator Team Answered Jul 20, 2026

Hi mommy 😊 For EDD September 2026, ang SSS maternity qualifying period mo ay April 2025–March 2026.

Ang salary differential is not based sa qualifying period. Ang qualifying period is for SSS maternity benefit computation only.

Ang salary differential naman is based sa 105 days maternity leave full pay:
full pay for maternity leave minus SSS maternity benefit = possible salary differential.

Yung bedrest/sick leave mo from April is separate issue. Possible ka pa ring may salary differential kung employed ka pa, hindi exempt ang employer, and maternity leave mo is approved. Pero kung leave without pay or ikaw na nagbabayad ng contributions starting May, best to ask HR for a written computation and clarification kung active employee ka pa ba during maternity leave.

Last QP month: March 2026 — qualifying payments should be made on or before end of March 2026.

Check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

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Related questions

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Question

Salary Differential EDD: December 2026
Question from Mommy
Sep 10, 2026

Hello po, EDD ko po ay December 2026 and nag voluntary payment ako for April 2026, May 2026 and June 2026 then I got hired po ng May 2026. Since hindi po ko po full makukuha ang ₱70,000 from SSS since 3months lang po ang contributions within the qualifying period, is my company mandated to pay me the salary differential? For context, monthly salary is approximately ₱100,000.

Answer from SSS Maternity Calculator Team Answered Sep 12, 2026

Hi mommy 😊 Yes po, generally mandated ang current employer mo na magbayad ng salary differential, kahit 3 months lang ang contributions na ginamit ng SSS sa MatBen computation, as long as employed ka when you avail maternity leave and hindi DOLE-exempt ang company.

For EDD December 2026, qualifying period mo is July 2025–June 2026.

Ang setup is:

Full pay for 105 days based sa regular salary mo
minus actual SSS MatBen
= salary differential na sagot ng employer.

So with around ₱100,000/month salary, malaking amount ang possible salary differential because your full pay for 105 days is roughly ₱350,000, then ibabawas ang actual SSS MatBen and applicable employee contributions.

Also check mommy kung may employer contributions for May–June 2026, since hired ka na noong May. Those months could also affect your SSS MatBen computation.

Check your EDD, member type, months & deadlines
Your December 2026 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?
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Question

Employee MAT-1 EDD: December 2026
Question from Ella
Sep 3, 2026

Possible po ba na ako na lang mag file ng MAT1 kesa si employer?

Answer from SSS Maternity Calculator Team Answered Sep 3, 2026

Hi mommy 😊 Kung currently employed ka, employer/HR po talaga ang dapat mag-file/transmit ng MAT-1 sa SSS. Ikaw muna ang mag-notify sa employer tungkol sa pregnancy at EDD, then sila ang mag-submit through their Employer My.SSS account.

Ang direct online MAT-1 filing sa member account ay para sa Voluntary, Self-Employed, OFW, at Non-Working Spouse members.

So kung Employee ka pa, mas safe na dumaan sa HR/employer para tama ang record at walang issue later sa MatBen claim. 😊

🎥 How to File SSS MAT-1 Online:
https://youtu.be/ackBt_sWnvY

Check your EDD, member type, months & deadlines
Your December 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.
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?
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Question

Employee Qualifying Period EDD: February 2027
Question from Ericka
Aug 29, 2026

EDD ko February 28, 2027. Between the qualifying period na October 2025-September 2026, di ko po nahulogan yung October 2025 since kaka start ko palang ng work ko niyan, and February 2026 is kaka start ko uli for my new work so wala pong hulog. Do I still need na hulogan po ang October 2025 and February 2026 para qualified po ako maka avail sa benefits?

Answer from SSS Maternity Calculator Team Answered Aug 30, 2026

Hi mommy 😊 Hindi mo na kailangang habulin ang October 2025 at February 2026 para lang maka-qualify, as long as mayroon kang at least 3 valid posted contributions within your qualifying period na October 2025–September 2026. (sss.gov.ph)

So kahit may gaps ka sa October 2025 at February 2026, okay lang po iyon. Hindi required na complete lahat ng 12 months.

Since Employee ka, employer ang responsible sa contributions for the months na actually employed ka. Hindi mo rin dapat personal na bayaran retroactively ang months na wala ka pang employer or wala kang applicable contribution.

Ang important is: check your My.SSS and make sure may at least 3 posted months from October 2025–September 2026. If meron, possible ka nang qualified. ✅

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

Check your EDD, member type, months & deadlines
Your February 2027 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.
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.

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