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SSS Maternity Questions & Answers

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Question

Self-Employed Late Claim / Past Maternity
Question from Emmylou
Aug 24, 2026

Nanganak po ako ng June 2023
May contribution po ako from oct.2022 up dec.2022 then jan-june 2023, nabayaran ko po ng january 2023 ang Oct to dec 2022 ko. Qualified po ba ang data ko for maternity benefits?

Answer from SSS Maternity Calculator Team Answered Aug 24, 2026

Hi mommy 😊 Since actual delivery mo ay June 2023, ang qualifying period mo ay January–December 2022. Kailangan may at least 3 valid contributions within that period.

Yung October–December 2022 ay qualifying months sana. Pero kung Voluntary/Self-Employed ka at January 2023 mo lang talaga sila binayaran, hindi na sila magagamit sa June 2023 MatBen computation, kahit pasok pa sana sa normal quarterly payment deadline. SSS only considers qualifying contributions paid before the applicable maternity cutoff.

Yung January–June 2023 contributions ❌ hindi rin kasama sa qualifying period ng June 2023 delivery.

So kung wala kang ibang valid/paid contributions from January–September 2022, unfortunately hindi ka makaka-qualify based sa contributions na nabanggit mo.

Kung Employee member ka noong Oct–Dec 2022 at employer ang nag-remit noong January 2023, sabihin mo lang mommy dahil ibang case iyon at kailangan nating i-check separately.

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Question

Self-Employed Miscarriage / Stillbirth EDD: August 2025
Question from Kristille
Aug 24, 2026

Na miscarriage po ako nung august 21 2026, may hulog po ako ng july 2026 to august 2026 may makukuha po ba akong maternity benefits?

Answer from SSS Maternity Calculator Team Answered Aug 24, 2026

Hi mommy 😊 Since actual miscarriage date mo ay August 21, 2026, ang qualifying period mo ay April 2025–March 2026. Kailangan may at least 3 valid monthly contributions within this period para maka-qualify sa SSS maternity benefit.

Yung hulog mo na July at August 2026 ❌ hindi na counted for this miscarriage claim dahil outside na sila sa qualifying period.

So kung July–August 2026 lang talaga ang contributions mo at wala kang at least 3 hulog from April 2025–March 2026, unfortunately hindi ka qualified sa SSS maternity benefit for this miscarriage.

For miscarriage, qualified members can receive a benefit based on 60 days.

Check mo muna mommy ang My.SSS contribution history mo baka may older contributions ka within April 2025–March 2026—kung meron at umabot sa 3 months, possible ka pa ring qualified.

Check your EDD, member type, months & deadlines
Your August 2025 EDD and Self-Employed 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
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Question

Self-Employed Contribution / Payment Deadline EDD: February 2027
Question from Frances
Aug 21, 2026

EDD ko po February 2027 at Self-Employed member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Kakaalam ko lang po na pregnant ako at gusto kong malaman kung maaari pa akong maghulog para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Nag start po ako mag hulog this July 2026 ng 2,025 per month at hanggang manganak po sana ako. Magkano po ang makukuha kong benefit? Salamat

Answer from SSS Maternity Calculator Team Answered Aug 23, 2026

Hi mommy 😊 For EDD February 2027, ang qualifying period mo ay October 2025–September 2026. Kailangan ng at least 3 valid monthly contributions within this period para maka-qualify.

Since nag-start ka ng July 2026 at ₱2,025/month, counted ang:

July ✅ August ✅ September ✅

Ang ₱2,025 contribution = ₱13,500 MSC. If itong 3 months lang ang qualifying contributions mo, estimated MatBen for 105 days is:

₱13,500 × 3 ÷ 180 × 105 = around ₱23,625.

Make sure mommy na paid at posted ang July–September contributions on or before September 30, 2026 para maisama sa February 2027 MatBen computation. Yung hulog from October 2026 onward can continue for your SSS record, pero hindi na iyon makakadagdag sa benefit for this pregnancy.

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

Check your EDD, member type, months & deadlines
Your February 2027 EDD and Self-Employed 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.
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Question

Self-Employed General Question
Question from Lois
Aug 20, 2026

Hindi po ba magkakaproblema sa MAT1 ko dahil ako ang nakapag submit ng maternity notification ko thru sss online. Currently employed po ako at may nag sabi sakin from agency ko na ako ang mag paprocess ng MAT1 ko thru SSS. Since first timer ako at hindi ko alam na agency pala dapat ang mag file, end up ako ang nag file online. Planning to resign po from my agency this October and my EDDBis December. May makukuha parin po ba ako sa maternity ko after? Thank you

Answer from SSS Maternity Calculator Team Answered Aug 20, 2026

Hi mommy 😊 Hindi naman automatic na magkakaproblema o mawawala ang MatBen mo dahil ikaw mismo ang nakapag-submit ng MAT-1 online. Pero since Employee ka noong nag-file, official SSS process is normally: ikaw ang mag-notify sa employer, then employer ang mag-transmit ng Maternity Notification sa SSS.

Since agency mo mismo ang nagsabi na ikaw ang mag-process, keep your MAT-1 transaction/reference number and ask HR/agency to confirm na properly recorded ang notification bago ka mag-resign.

For EDD December 2026, ang qualifying period mo ay July 2025–June 2026. Kung may at least 3 valid contributions ka within that period, possible ka pa ring maka-receive ng maternity benefit kahit mag-resign ka sa October.

Kung resigned ka na pagdating ng delivery, SSS can pay the approved MatBen directly to you through your enrolled DAEM account. Since malapit sa delivery ang resignation, prepare din ng Certificate of Separation stating the separation date and that no maternity benefit advance was given by the employer.

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

🎥 December 2026 EDD guide:
https://youtu.be/BGd2vdgpqc8?si=P8RitlfNYnqaaxjn

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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