Examples of SSS Maternity Qualifying Periods 2025 2026
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Examples of SSS Maternity Qualifying Periods 2025–2026
If you’re a soon-to-be mom planning to claim your SSS Maternity Benefit in 2025 or 2026, one of the most confusing parts is figuring out which months count toward your eligibility.
Even long-time SSS members sometimes get disqualified because their contributions don’t fall within the right period. This guide will show clear examples of qualifying periods, complete with real-life stories and a step-by-step breakdown — plus how to use the SSS Maternity Qualifying Period Calculator 2026 to check automatically.
🤰 Why the SSS Maternity Benefit Matters
The SSS Maternity Benefit gives financial support to female members who can’t work due to childbirth, miscarriage, or emergency termination of pregnancy (ETP).
This benefit helps new mothers recover without losing income. But to receive it, your contributions must fall inside your qualifying period — not before, not after.
Kung member ka ng SSS, good news — pwede ka ring mag-apply basta qualified ka sa requirements.
đź“… How to Determine Your SSS Maternity Qualifying Period
The qualifying period is the 12-month window before your semester of contingency, which is the 6-month period made up of:
Your quarter of delivery (3 months), and
The previous quarter (3 months) before it.
Example: Step-by-Step Computation
Example 1 – EDD: March 2026
March 2026 is in the 1st quarter of 2026 (Jan–Mar).
The semester of contingency = Q1 2026 + Q4 2025 = Oct 2025 – Mar 2026.
Exclude these 6 months.
Count 12 months backward → October 2024 – September 2025. ✅ Qualifying Period: October 2024 to September 2025 You must have 3 contributions within these months.
Maricel’s Story – Missed One Quarter but Still Qualified
Maricel, a first-time mom from Quezon City, thought she wouldn’t qualify because her EDD was March 2026. After using the SSS Maternity Qualifying Period Calculator, she learned that her contributions from July to December 2025 were within the qualifying period (Oct 2024–Sep 2025). She received her full 105-day benefit.
Joy’s Story – Self-Employed Mom Who Filed Late
Joy, a sari-sari store owner in Cebu, didn’t know she needed to notify SSS before delivery. She gave birth in May 2026, but because she had complete payments from January to December 2025, she was still eligible and later received her benefit after completing her documents.
Ella’s Story – Solo Parent’s Extended Leave
Ella, a solo parent from Davao, made sure her contributions were updated before her EDD in November 2026. By checking her qualifying period (July 2025–June 2026), she ensured eligibility and used her Solo Parent ID to enjoy 120 days of paid maternity leave.
File your maternity notification before giving birth.
âť“ Frequently Asked Questions (FAQs)
1. What if my actual delivery date is earlier than my EDD? SSS will use your actual delivery date to determine your semester of contingency.
2. Can I still pay missed months to qualify? No. Retroactive payments aren’t allowed for eligibility.
3. I’m a voluntary member — how do I make sure I qualify? Pay consistently and before the deadlines. Always check your qualifying period.
4. Do old contributions from years ago still count? No. Only those within your 12-month qualifying period are valid for your maternity claim.
5. What if I forget to notify SSS before delivery? You can still file after, but processing might take longer. Always notify in advance to avoid delays.
❤️ Final Reminder
Your Expected Delivery Date decides which months count toward your SSS Maternity Qualifying Period — so it’s important to check early.
