How to Read Your SSS Contribution History Correctly in 2026
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How to Read Your SSS Contribution History Correctly in 2026
Have you ever opened your SSS contribution record and thought, “Ano bang ibig sabihin ng mga columns na ‘to?” or “Bakit may zero sa ibang buwan?”
You’re not alone. Many first-time mothers in the Philippines — especially those preparing to file their SSS Maternity Benefits in 2026 — find it confusing to interpret their contribution history.
This confusion often leads to wrong assumptions about eligibility, missed maternity benefits, and delayed claims.
In this guide, we’ll teach you how to read your SSS contribution history properly, understand each column, and make sure you’re fully qualified for maternity benefits using the 👉 SSS Maternity Qualifying Period Calculator 2026.
💡 Why Reading Your SSS Contribution History Matters
Your SSS contribution history isn’t just a list of numbers — it’s your proof of eligibility.
When applying for maternity benefits, SSS checks your 12-month qualifying period before your semester of contingency (the 6-month period including your Expected Delivery Date or EDD).
If there are gaps, missed months, or incorrect entries, you could lose your eligibility even if you’ve paid for years.
Example: If your EDD is June 2026, your qualifying period is January 2025–December 2025. You need at least 3 valid contributions within that timeframe.
📲 How to Access Your SSS Contribution History
You can view your contributions in two ways:
Option 1: Using the SSS Mobile App
Download the SSS Mobile App on Google Play or App Store.
Log in using your My.SSS credentials.
Tap “Inquiry” → “Contributions.”
Option 2: Using the My.SSS Website
Go to the official My.SSS portal.
Log in with your SSS number and password.
Click “Inquiry” → “Contributions.”
Once open, you’ll see a table similar to this:
Month/Year
Employee Share
Employer Share
Total Contribution
Remarks
Jan 2025
450.00
950.00
1,400.00
Posted
Feb 2025
450.00
950.00
1,400.00
Posted
Mar 2025
–
–
0.00
No Contribution
🧾 How to Interpret Your SSS Contribution Table
Here’s what each column means — and why it matters when computing your maternity benefit eligibility:
🗓️ Month/Year
Shows the month and year you (or your employer) paid for. Make sure there are no gaps during your qualifying period.
👩💼 Employee and Employer Share
If you’re employed, your total monthly SSS contribution is split between you and your employer. Voluntary or self-employed members will only see one total amount.
💰 Total Contribution
This is the combined amount of employee + employer share. For voluntary members, it’s the full payment you made.
💡 Tip: Even if the amount changes (due to salary adjustment), what’s important is that you have a valid posted contribution for that month.
📝 Remarks
The remarks column will say:
“Posted” → means your payment is officially recorded. ✅
“No Contribution” or blank → means there’s no payment for that month. ⚠️
“Pending” → means it’s still being processed by SSS.
Only posted months count toward your qualifying period.
🧮 How to Use Your Contribution Record to Check Maternity Eligibility
Once you understand your history, follow these steps to verify your qualification:
Step 1: Identify Your Expected Delivery Date (EDD)
Get this from your OB certificate or ultrasound result.
Count how many months have “Posted” payments. If you have 3 or more, you’re qualified for maternity benefits.
📊 SSS Maternity Qualifying Period Chart 2026
EDD (Expected Delivery Date)
Semester of Contingency (Exclude)
Qualifying Period (12 Months)
Jan–Mar 2026
Q1 2026 + Q4 2025
Oct 2024 – Sep 2025
Apr–Jun 2026
Q2 2026 + Q1 2026
Jan 2025 – Dec 2025
Jul–Sep 2026
Q3 2026 + Q2 2026
Apr 2025 – Mar 2026
Oct–Dec 2026
Q4 2026 + Q3 2026
Jul 2025 – Jun 2026
You can compare your “Posted” months to this chart to confirm if you’re eligible.
👩🍼 Real-Life Stories: How Moms Used Their Contribution History Correctly
Clarisse’s Story – Office Worker Turned Freelancer
Clarisse from Makati switched to freelance in 2025. Using her My.SSS account, she checked her 2024–2025 contributions and confirmed 9 posted months within her qualifying period. Her claim was approved with no issues.
Rowena’s Story – OFW on Vacation Leave
Rowena, an OFW from Dubai, used the SSS Mobile App to check her posted months. She noticed missing payments and quickly paid voluntary contributions before the qualifying period cutoff. She qualified for her November 2026 maternity claim.
Dianne’s Story – Newly Married Teacher
Dianne from Baguio had her EDD in February 2026. Her government employer ensured automatic deductions, and her contribution history showed continuous payments — helping her file stress-free.
Leah’s Story – Market Vendor and First-Time Mom
Leah from Iloilo didn’t know her payments were delayed until she checked online. With an EDD in August 2026, she made sure to complete payments for her April 2025–March 2026 qualifying period.
⚙️ Common Mistakes When Reading SSS Contribution History
Mistake
Why It Happens
Fix It By
Assuming all payments are posted immediately
Some employers delay filing
Wait 1–2 weeks or ask your HR for proof of remittance
Ignoring months marked “No Contribution”
Gaps from job change or late payments
Pay voluntarily for the next quarter
Using wrong EDD
Early ultrasounds change over time
Always use your OB certificate
Miscounting months
Didn’t exclude the semester of contingency
Use the calculator
Believing old payments still count
Only 12 months before the semester matter
Recompute based on your EDD
🧾 TL;DR – Quick Summary
📱 Check your SSS contribution history via the My.SSS website or mobile app.
✅ “Posted” months are valid — only these count toward your qualifying period.
⚠️ You need 3 paid contributions within that period to qualify for maternity benefits.
💬 Always verify your records before filing to avoid rejections or delays.
❓ FAQs: Understanding Your SSS Contribution Record
1. What if my employer hasn’t posted my latest payments? Wait at least two weeks after payroll. If it’s still missing, ask HR to refile the report.
2. Can I still pay for missed months? No. SSS doesn’t allow backpay. You can only pay for the current or upcoming quarter.
3. Do “Pending” months count? No. Only months marked “Posted” are valid.
4. How can I check if I’m qualified for maternity benefits? Use your EDD and the calculator link above to verify your qualifying period.
5. What if I changed jobs during pregnancy? All contributions under your SSS number still count, as long as they’re posted.
❤️ Final Advice
Your contribution history is your proof of protection. Reading it correctly ensures you get the benefits you’ve worked for — especially your maternity claim in 2026.
