SSS Maternity Questions & Answers

For **May 2027 EDD** at **Voluntary member** po, ang qualifying period ninyo is **January–December 2026**.

So hindi na po kasama ang **January 2027 onwards**, because **January–June 2027** na ang contingency period.

Pero may pwede pa po kayong habulin ngayon:

✅ **July–September 2026 (3rd quarter)** — puwede pa pong bayaran lahat ng 3 months, basta **posted sa My.SSS on or before October 31, 2026**.

Since may processing time minsan, mas safe po na bayaran **a few days before October 31** para may allowance sa posting.

✅ **October–December 2026 (4th quarter)** — puwede rin pong hulugan, pero for this maternity claim kailangan **posted na on or before December 31, 2026**.

Important po: huwag hintayin ang regular quarterly deadline sa January, because **January 2027 is already within the contingency period**. Kapag January na na-post, considered **late na for this maternity benefit**.

So ang magandang gawin po:
– Complete **July–September** before October 31
– Complete **October–December** and make sure posted before December 31
– Always check the **actual posting date sa My.SSS**, hindi lang payment date

SSS will use the **6 highest MSC** within January–December 2026 for the maternity computation.

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

📅 **May 2027 EDD guide:**
https://youtu.be/KFe0LP29rsM

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

Since **September 9, 2026** po kayo actual na nanganak, ang gagamitin ng SSS is the **actual delivery date**, hindi na yung original EDD na October 18.

For a **September 2026 delivery**, ang qualifying period ninyo is **April 2025–March 2026**.

Yung **January–March 2026 contributions** sana ay pasok sa qualifying period, pero since **April 11, 2026** na po ninyo sila nabayaran, late na po sila for this maternity claim.

For this case, dapat **posted na sa My.SSS on or before March 31, 2026** ang January–March contributions para ma-count.

So unfortunately, yung January–March 2026 na binayaran noong April 11 ay **hindi na po masasama**.

Pero possible pa rin po kayong maka-qualify if meron kayong at least **3 valid contributions from April–December 2025** na properly posted on time.

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

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

Since **March 2027 ang EDD** at **Voluntary member** po kayo, ang qualifying period ninyo is **October 2025–September 2026**.

So yes, kasama sana ang **July, August at September 2026** sa qualifying period.

Pero important po: dahil **September 2026 ang last qualifying month**, dapat ang July–September contributions ay **posted na sa My.SSS on or before September 30, 2026**.

So kung **October 2026 na po kayo nagbayad**, unfortunately **late na po iyon for this maternity claim** at hindi na maisasama sa computation.

Please check po sa **My.SSS Contribution History** kung kailan talaga na-post ang contributions:

✅ Posted on or before **September 30, 2026** → counted
❌ Posted **October 1, 2026 onwards** → hindi na counted for March 2027 maternity benefit

Kaya possible po na ang sinabi sa branch ay based sa regular quarterly payment deadline, pero for maternity, mas strict ang cutoff dahil October 2026 is already within the contingency period.

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

📅 **March 2027 EDD guide:**
https://youtu.be/Wk5f-7DUdwog

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