Understanding the April 2026 EDD Qualifying Period for SSS Maternity Benefits
If you’re expecting to give birth in April 2026, congratulations! It’s a beautiful and exciting journey ahead. While preparing for your baby, it’s also important to prepare financially—especially when it comes to your SSS Maternity Benefits.
A common point of confusion is the qualifying period, which is essential to determine if you’re eligible for the benefit and how much you might receive. If you’re unsure where to start, this article will guide you—and we’ll even give you a tool to calculate your benefits easily.
April 2026 EDD Qualifying Period Video
April 2026 EDD Qualifying Period Video
April 2026 EDD Qualifying Period Visual Calendar
See below the visual calendar if April 2026 is your expected due date with color-code Qualifying Period, Semester of Contingency and EDD month.
April 2026 EDD Qualifying Period Visual Calendar
đź“… What is the SSS Maternity Benefit Qualifying Period?
To be eligible for SSS maternity benefits, you must have paid at least three (3) monthly contributions within the 12-month period before the semester of your childbirth.
Let’s break this down using a April 2026 EDD (Estimated Date of Delivery) as an example:
🧮 Qualifying Period for April 2026 EDD
Semester of Contingency:
A “semester” in SSS terms is a two-quarter block.
For a April 2026 delivery, the semester of contingency is January 2026 to April 2026.
12-Month Qualifying Period:
This is the 12 months before the semester of contingency.
Therefore, the qualifying period is January 2025 to December 2025.
Minimum Requirement:
You must have paid at least 3 monthly SSS contributions during this period (January 2025 to December 2025) to qualify for maternity benefits.
đź’° How Much Maternity Benefit Can You Get?
The amount of your benefit is based on your Average Monthly Salary Credit (AMSC) during the qualifying period. The higher your posted contributions (based on your income), the higher your benefit.
Rather than manually crunching the numbers, why not use a tool that simplifies it for you?
âś… Use Our Free SSS Maternity Benefits Calculator
Save time and avoid confusion by using our calculator!
Just enter your expected due date and recent contribution history. You’ll get an instant estimate of how much you can expect from your SSS maternity benefit.
đź“ť Final Tips
Check your SSS contributions regularly through the My.SSS portal or mobile app.
Voluntary members can still catch up with payments—just make sure you pay within the allowable deadlines.
File your SSS Maternity Notification early—especially if you’re employed, as your HR team will also need to submit documents.
Pregnancy is a major life event, and your maternity benefit is there to support you during this transition. Knowing your qualifying period and calculating your benefit early can make a big difference in your financial planning.
