Question
EDD ko po ng April and nagresign ako ng june, may hulog po ang SSS ko from January to June, tanong lang po if kailangan pa po ba hulugan ang remaining months para maqualified sa 70,000 na maternity benefit? and hindi po ba magiging late payment kung ihahabol yung hulog for the month of July?
Hi mommy 😊 For EDD April 2027, ang 12-month qualifying period mo ay January–December 2026. Kaya counted ang contributions mo from January to June 2026, at pasok din ang July–December 2026 kung maghuhulog ka as Voluntary.
Since may 6 contributions ka na from January–June, qualified ka na sa minimum 3 contributions. Pero para sa maximum ₱70,000 maternity benefit, ang importante ay magkaroon ka ng 6 highest months na ₱20,000 MSC equivalent to 3,000 contribution per month. SSS computes the benefit using the 6 highest MSCs, example 3,000 contribution under QP x6months.
So mommy, kung ₱3,000 per month ang Jan–Jun contributions mo, hindi mo na kailangan hulugan ang remaining months just to reach ₱70,000. Pero kung mababa ang MSC ng Jan–Jun, puwedeng makatulong ang additional Voluntary contributions from July–December para mapalitan ang lower months sa 6 highest.
✅ July 2026 is not late yet. For Voluntary members, puwedeng monthly or quarterly ang payment. July–September contributions may be paid within the applicable quarterly deadline, on or before end of October 2026. Late retroactive payments after the applicable deadline are not allowed.
Important din mommy: dahil January 2027 na ang start ng Semester of Contingency mo, contributions intended for this maternity claim should be paid before January 2027. Huwag hintayin ang January 2027 payment deadline for October–December kung gusto mong isama sila sa maternity computation.
👉 Check your exact qualifying months here:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/
🎥 April 2027 EDD guide:
https://youtu.be/CC5tF-b0K40?si=47HvGO2y4FFDmEmh
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