SSS Maternity Questions & Answers

Hindi na po. Since **February 2027 ang EDD** at **Voluntary member** po kayo, ang **August at September 2026** sana ay qualifying months, pero para maisama sila sa maternity benefit, kailangan **posted na sila on or before end of September 2026**.

So kung **October 2026** na po kayo magbabayad ng August at September, **hindi na sila maisasama sa February 2027 maternity benefit**.

Pwede pa rin po ninyo silang bayaran if allowed for your regular SSS contribution record, pero hindi na po sila makakadagdag sa maternity computation na ito.

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

📅 **February 2027 EDD guide:**
https://youtu.be/FvI2gVRmKEM

🏥 Check din po your possible **PhilHealth maternity benefits**:
https://sssmaternitybenefitscalculator.com/philhealth-maternity-benefits-checker/

If separated/resigned na po kayo from your employer, puwede ninyong change ang SSS membership from **Employed to Voluntary**.

Hindi na po kailangan ng separate form. Sa **My.SSS**, kapag mag-generate kayo ng PRN for your next contribution:

1. Generate a **PRN**
2. Piliin ang **Voluntary Member** as Membership Type
3. Once paid and posted, automatically mag-uupdate ang membership status ninyo to Voluntary.

Important lang po: gawin ito **after separation from employment**. Huwag mag-Voluntary habang active employee pa kayo.

Since **January 2027 ang EDD** ninyo, ang qualifying period for your maternity benefit is **October 2025–September 2026**.

So kung ngayon lang kayo mag-change to Voluntary, ang **October 2026 onwards contributions will no longer increase your January 2027 maternity benefit**. Ang pagbabasehan na po ay yung valid contributions na already posted from October 2025–September 2026.

👉 If recently resigned/separated, use our guide here:
https://sssmaternitybenefitscalculator.com/sss-maternity-benefit-after-resignation/

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

📅 **January 2027 EDD guide:**
https://youtu.be/AosGUymw4G8

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

For **November 2023 delivery** at Voluntary member, ang qualifying contributions na tinitingnan for maternity benefit are from **July 2022–June 2023**.

Hindi po automatically nababawasan ang maternity benefit dahil **late kayo nag-file ng claim**. Ang mas importanteng tingnan ay kung ilang qualifying contributions ang valid at na-count ng SSS.

For example, kung **3 months lang** ang na-count at nasa maximum **₱20,000 MSC**:

₱20,000 × 3 months = ₱60,000
₱60,000 ÷ 180 × 105 days = **₱35,000**

So yung **₱35,000** na natanggap ninyo strongly suggests na around **3 maximum-MSC months** lang ang naisama sa computation.

I-check po ninyo sa **My.SSS Contribution History** ang contributions from **July 2022 to June 2023**, especially kung alin ang actually posted and counted on time.

Kung may 6 qualifying months sana at maximum MSC, the benefit could have reached around **₱70,000** for 105 days.

👉 You can also check the computation here:
https://sssmaternitybenefitscalculator.com/