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Question

Employee Salary Differential
Question from Klaren
Aug 18, 2026

Saan po mag babase ang mga employer para sa Salary Differenncial? yung estimated po ba na yan e ibabase pa din po bila sa basic salary na natatanggap mo or dyan na po sa mismong hulog ko?

Answer from SSS Maternity Calculator Team Answered Aug 18, 2026

Hi mommy 😊 Sa salary differential, hindi sa laki ng SSS contribution mismo nagba-base ang employer.

Ang basis po ay ang regular wage/salary mo for the entire maternity leave period, then ibabawas ang actual SSS maternity benefit na computed separately using your 6 highest MSCs. SSS itself defines salary differential as the difference between the SSS cash benefit and the employee’s regular wage for the whole maternity leave.

So simple version:

Full salary for maternity leave
minus SSS MatBen
= Salary Differential na sagot ng employer

Example mommy: kung ₱25,000/month ang regular salary mo, doon sila magba-base sa full-pay side. Yung SSS contributions mo naman ginagamit para malaman kung magkano ang SSS MatBen portion, hindi para direktang i-compute ang salary differential.

So yes po, basic/regular salary mo ang mas important sa salary differential, not simply kung magkano ang hulog mo sa SSS.

Pwede mo rin i-check dito mommy:
https://sssmaternitybenefitscalculator.com/

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Related questions

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

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
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View UnionBank Offer
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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

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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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