SSS Maternity Questions & Answers

Hello po 😊 Since **April 2027 ang EDD** ninyo at **Voluntary member** na po kayo, ang qualifying period ninyo is **January–December 2026**.

So yes po, **possible pa kayong maka-qualify** as long as makabuo kayo ng at least **3 valid monthly contributions** within 2026.

Since September 18, 2026 kayo nagsimula:

✅ **September 2026** — puwedeng ma-count if na-POST sa My.SSS **on or before October 31, 2026**
✅ **October–December 2026** — puwede pang ma-count, but make sure na **POSTED na lahat on or before December 31, 2026**

Important po: huwag hintayin ang January 2027 para bayaran/post ang Oct–Dec contributions, because **January–June 2027 is already your contingency period**. Kapag January na na-post, late na iyon for this maternity claim.

So kahit hindi ma-count ang September, puwede pa rin kayong magkaroon ng **3 qualifying months through October, November, and December 2026**, basta properly paid and posted before December 31.

Always check the **actual posting date sa My.SSS**, hindi lang payment date.

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

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

Yes po, possible pa rin kayong makakuha ng **SSS Maternity Benefit kahit AWOL**, as long as qualified kayo based sa inyong SSS contributions and complete ang requirements.

Since **December 2026 ang EDD**, ang qualifying period ninyo is **July 2025–June 2026**. Kailangan may at least **3 valid monthly contributions** within that period.

If officially **employed pa rin** kayo, normally employer/HR ang magpo-process ng maternity benefit.

Pero if considered **separated na kayo or AWOL at hindi na kayo makakuha ng Certificate of Separation from employer**, may process din ang SSS for this situation. SSS allows an **Affidavit of Undertaking** in certain AWOL/strained relations cases stating the effective date of separation and that no maternity benefit advance was received from the employer.

👉 Guide for separated/resigned employees:
https://sssmaternitybenefitscalculator.com/sss-maternity-benefit-after-resignation/

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

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

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/