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Question

Member: Employee EDD: Not provided 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

Member: Employee EDD: November 2025 General Question
Question from Rose
Nov 10, 2026

Possible makakakuha pba ako ng salary differential kahit nakakuha nko ng mat lev nung feb 11 2026?

Answer from SSS Maternity Calculator Team Answered Nov 11, 2026

Yes po, possible pa rin kayong makakuha ng **salary differential** kahit nakatanggap na kayo ng SSS maternity benefit noong **February 11, 2026**.

If **Employee** po kayo noong November 2025 maternity leave, separate po ang:

✅ **SSS Maternity Benefit** — reimbursable by SSS
✅ **Salary Differential** — difference between your full maternity pay and the SSS benefit, normally shouldered by the employer

So if SSS maternity benefit lang po ang natanggap ninyo at **wala pang salary differential na binayaran ang employer**, ask your **HR/Payroll** kung entitled kayo and whether your company is claiming an exemption.

Hindi po automatic na exempt ang employer. May specific exemption categories and requirements under the maternity law.

👉 Check our Salary Differential guide and employer exemption section here:
https://sssmaternitybenefitscalculator.com/sss-maternity-salary-differential/

If HR says exempt ang company, ask them **which exemption category applies** and what supporting document/approval they have.

Check your EDD, member type, months & deadlines
Your November 2025 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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Question

Member: Voluntary EDD: October 2026 General Question
Question from Dessa
Nov 6, 2026

Bakit 3500 pesos lang Ang nakuha ko sa sss kung Ang hulog ko ay 3000 pesos Mula January 2026 to June 2026? October 2026 Ako umanak

Answer from SSS Maternity Calculator Team Answered Nov 6, 2026

Hello po 😊 Since **October 2026 kayo nanganak** at Voluntary member, ang qualifying period ninyo is **July 2025–June 2026**.

Kung **January–June 2026** ay naghuhulog kayo ng **₱3,000/month**, that is already around the **₱20,000 MSC maternity computation ceiling**.

So IF:

✅ all 6 months January–June 2026 were valid
✅ properly **posted on time**
✅ and **live childbirth** po ang claim

the estimated SSS maternity benefit should be around **₱70,000 for 105 days**, not ₱3,500. SSS computes maternity benefit using the **6 highest MSCs**, divided by 180, then multiplied by the applicable maternity days.

So please check sa **My.SSS**:

1. **Contribution History** — tingnan kung kailan talaga na-POST ang January–June contributions.
2. For an October 2026 delivery, contributions posted **July 2026 onwards** are already within the contingency semester and will not be counted for this claim.
3. Check the **Maternity Benefit claim details/computation** kung anong MSC at ilang months ang ginamit ni SSS.
4. Check din kung ang ₱3,500 ay **full maternity benefit talaga**, or ibang/partial credit lang.

👉 Use our calculator to compare what you should have received:
https://sssmaternitybenefitscalculator.com/

👉 If may rejected or excluded contributions, check the possible reason here:
https://sssmaternitybenefitscalculator.com/sss-maternity-benefit-rejected-denied/

🏥 You can also check your possible PhilHealth maternity benefits:
https://sssmaternitybenefitscalculator.com/philhealth-maternity-benefits-checker/

If you can see the **SSS maternity computation/details**, doon natin malalaman exactly bakit naging ₱3,500 lang.

Check your EDD, member type, months & deadlines
Your October 2026 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.
Check if You Qualify in 1–2 Minutes
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Question

Member: Voluntary EDD: October 2026 General Question
Question from Irenne
Nov 5, 2026

Why I did not get maternity benefits

Answer from SSS Maternity Calculator Team Answered Nov 5, 2026

Hello po 😊 If **October 2026 ang EDD** ninyo at **Voluntary member** po kayo, ang qualifying period ninyo is **July 2025–June 2026**.

Para maka-qualify, kailangan may at least **3 valid monthly contributions** within that period, and SSS only counts contributions paid before the semester of contingency.

Common reasons kung bakit walang maternity benefit:

• Kulang sa **3 valid qualifying contributions**
• May contributions na **late na-post**
• May problem sa **Date of Coverage / member record**
• May kulang or rejected na document
• May issue sa **DAEM / disbursement account**
• Or kung napaaga ang actual delivery, possible na nagbago rin ang qualifying period

Pinaka-important po: check ang exact **rejection/denial reason** sa My.SSS or SSS email.

👉 You can use our rejection checker here:
https://sssmaternitybenefitscalculator.com/sss-maternity-benefit-rejected-denied/

👉 Check your qualifying months and estimated benefit:
https://sssmaternitybenefitscalculator.com/

If you can send the exact **Reason/s** shown by SSS, mas madali nating matukoy kung bakit hindi na-approve.

Check your EDD, member type, months & deadlines
Your October 2026 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.
Check if You Qualify in 1–2 Minutes
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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