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Question

Employee General Question
Question from AP
Aug 18, 2026

Employee gave birth 29 July 2026. Hired in November 2025 which she received Php11500 (prorated). Her monthly salary is Php25000.
Contribution posted in SSS (previous employer)
Apr2025 - Php4425
May2025 - Php4650
June2025 - Php4950
July2025 - Php3075
Aug-Oct2025 - Php0

How much would be the full pay and the salary differential? Thank yoo

Answer from SSS Maternity Calculator Team Answered Aug 18, 2026

Hi po 😊 Since actual delivery was July 29, 2026, the 12-month qualifying period is April 2025–March 2026.

Based on the contributions you gave plus the assumption that your company properly posted her Dec 2025–Mar 2026 contributions based on the ₱25,000 salary, she appears to have at least 6 months reaching the ₱20,000 MSC maternity-benefit ceiling. SSS uses the 6 highest MSCs and caps the Regular SSS benefit computation at ₱20,000 MSC.

So estimated SSS MatBen for 105 days:

₱20,000 × 6 ÷ 180 × 105 = ₱70,000 ✅

For her current salary of ₱25,000/month:

Full pay for 105 days:
₱25,000 × 3.5 months = ₱87,500

Gross salary differential:
₱87,500 − ₱70,000 = ₱17,500

Under the maternity-leave rules, the employer generally shoulders the difference between full pay and the SSS benefit, unless the employer qualifies for an approved exemption.

So your working figures are approximately:

SSS MatBen: ₱70,000
Full pay: ₱87,500
Gross salary differential: ₱17,500

The final payroll salary differential may be slightly lower after the employee’s applicable SSS, PhilHealth and Pag-IBIG premium shares for the maternity period are considered under the DOLE computation.

The ₱11,500 prorated November salary should not reduce the ₱70,000 estimate because there appear to be more than six other qualifying months already reaching the ₱20,000 MSC ceiling.

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Related questions

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

Question

General Question EDD: May 2027
Question from Mommy
Sep 12, 2026

EDD KO PO MAY 2027 PWEDE KOPA BA BAYARAN UNG JULY 2026 NGYONG SEPTEMBER 2026 PO

Answer from SSS Maternity Calculator Team Answered Sep 12, 2026

Hi mommy 😊 For EDD May 2027, ang qualifying period mo ay January–December 2026, so July 2026 ✅ counted sa MatBen computation.

Kung Voluntary/NWS member ka, puwede pa ang July contribution as part of the July–September quarter, payable on or before end of September 2026 this is for Matben Due date pero normaly sa SSS contribution kapag nag Generate ka ng PRN ang lalabas na Due date is on or before end of October. Kung Matben claim ka Mommy make sure mahulugan mo yan on or before end of September or as early as possible bago matapos ang last month ng Qualifying Period mo.

Kung Self-Employed ang membership type mo, sabihin mo lang mommy dahil iba ang current payment deadline rule natin iche-check.

🎥 May 2027 EDD guide:
https://youtu.be/KFe0LP29rsM

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Question

General Question EDD: November 2026
Question from Mommy
Sep 6, 2026

EDD ko November 22, 2026 private employed kailan ko po makukuha yung maternity benefits ko

Answer from SSS Maternity Calculator Team Answered Sep 7, 2026

Hi mommy 😊 Since private employed ka, employer mo ang mag-a-advance ng SSS maternity benefit.

For EDD November 22, 2026, ang qualifying period mo ay July 2025–June 2026. If qualified ka based sa contributions mo, ang full maternity benefit should be advanced by the employer within 30 days from the filing of your maternity leave application.

So hindi po automatic na after November 22 mo pa makukuha. Ang timing depends sa date na officially na-file mo ang maternity leave application sa employer/HR.

You can ask HR:
“Kailan po considered filed ang maternity leave application ko, and kailan po target release ng advance MatBen?”

🎥 November 2026 EDD guide:
https://youtu.be/gcbi5XMtmeQ

Check your EDD, member type, months & deadlines
Your November 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?
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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