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/

Possible po kayong maka-qualify sa SSS Maternity Benefit, pero kailangan po makita kung ilan at kailan na-post ang contributions ninyo.

Since **September 2026 ang EDD** at **Self-Employed** po kayo, ang qualifying period ninyo is:

**April 2025–March 2026**

Kailangan po ng at least **3 valid monthly contributions** within that period para maka-qualify.

Important din po na ang contributions ay **properly paid and posted on time**. Kung may contributions kayo na late na-post, possible na hindi sila maisama sa maternity computation.

So check po ninyo sa **My.SSS Contribution History** kung ilan ang valid contributions ninyo from **April 2025 to March 2026**.

👉 You can check your qualifying months and estimated maternity benefit here:
https://sssmaternitybenefitscalculator.com/

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