SSS Maternity Qualifying Period Calculator 2026 Check If You’re Eligible

SSS Maternity Qualifying Period Calculator 2026 – Check If You’re Eligible

Becoming a mother is one of the most exciting milestones in life — but it can also be financially challenging. Good thing the Social Security System (SSS) in the Philippines offers Maternity Benefits to help members during their pregnancy and recovery period.

If you’re expecting in 2026, this guide will help you understand how to check your qualifying period, how to know if you’re eligible, and how to use the SSS Maternity Qualifying Period Calculator 2026 to make it easier.

🍼 What Are SSS Maternity Benefits?

SSS Maternity Benefits are cash allowances given to female SSS members who cannot work due to childbirth, miscarriage, or emergency pregnancy termination.

This benefit ensures that expectant mothers still receive income support while they’re recovering.

Example:
Kung member ka ng SSS, good news — pwede ka ring mag-apply basta qualified ka sa requirements.

🗓️ Understanding the “Qualifying Period”

Many first-time mothers get confused about the qualifying period. Simply put, this determines if you’re eligible for the maternity benefit.

To qualify, you must have paid at least three (3) monthly contributions within the 12-month period before your semester of contingency (the time when your delivery or miscarriage happens).

Let’s break that down:

Example	Expected Delivery Date (EDD)	Semester of Contingency	Must Have Paid at Least 3 Contributions Within
March 2026	January–June 2026 (Q1–Q2)	July 2025 – June 2026	July 2024 – June 2025
April 2026	April–September 2026 (Q2–Q3)	January 2025 – December 2025	January 2024 – December 2024

The SSS Maternity Qualifying Period Calculator 2026 automatically does this for you.

👉 Try it here: SSS Maternity Qualifying Period Calculator 2026

📋 Who Can Avail of the SSS Maternity Benefit?

You are eligible if you meet all of these conditions:

You are female and an SSS member (employed, self-employed, voluntary, or OFW).
You have paid at least three (3) monthly contributions within the 12 months before your semester of contingency.
You have notified your employer or SSS about your pregnancy.
You have not yet received SSS Maternity Benefits for the same pregnancy.

💰 How Much Will You Receive?

The amount you’ll get depends on your Average Daily Salary Credit (ADSC) and the type of pregnancy or delivery.

Type of Delivery	Number of Paid Leave Days	Description
Normal Delivery	105 days	Standard benefit for most mothers
Cesarean Section	105 days	Same as normal delivery
Miscarriage / ETP / Stillbirth	60 days	Applies to early pregnancy loss
Solo Parent (Normal or Cesarean)	120 days	Requires Solo Parent ID

The SSS Maternity Calculator computes this for you automatically — but remember, your qualifying period must be valid first.

🧭 How to Check If You’re Eligible (Step-by-Step)

Step 1: Know Your Expected Delivery Date (EDD)

You can get this from your OB-GYN or ultrasound result.

Step 2: Identify Your Semester of Contingency

Take your EDD, determine which quarter it falls under, and include the previous quarter.
That’s your semester of contingency.

Step 3: Count Back 12 Months

Count the 12 months before your semester of contingency — these are the months considered for contribution counting.

Step 4: Check If You Paid 3 Contributions

If you’ve paid at least 3 monthly contributions within that 12-month window, you qualify!

🖥️ Use the SSS Maternity Qualifying Period Calculator 2026

Instead of calculating manually, just use the free online calculator.
Enter your Expected Delivery Date (EDD) and it will automatically show:

Your qualifying period
Whether you are eligible
The covered months for contribution checking

🔗 Try the SSS Maternity Qualifying Period Calculator 2026 now

⚙️ How to Apply for SSS Maternity Benefits (2026 Process)

If You’re Employed

Notify your employer about your pregnancy.
Your employer will submit the maternity notification online through the SSS portal.
After delivery, submit requirements (proof of birth, medical certificate, etc.).
The employer will advance the maternity pay and reimburse it from SSS later.

If You’re Voluntary, Self-Employed, or OFW

Log in to My.SSS and submit your Maternity Notification online.
Upload medical proof of pregnancy (ultrasound or doctor’s note).
After giving birth, submit your requirements online for processing.

🧾 Requirements for SSS Maternity Benefits (2026)

Category	Required Documents
All Members	Maternity Notification Form, Medical Proof (ultrasound, doctor’s note)
After Delivery	Birth Certificate (or fetal death certificate), Valid ID
For Miscarriage / ETP	Medical certificate from OB-GYN, D&C report if applicable
For Solo Parents	Solo Parent ID

⚠️ Common Issues and Mistakes to Avoid

❌ Late notification – You must notify before delivery.
❌ Unpaid contributions – Missing even one month within the qualifying period can affect your eligibility.
❌ Wrong EDD – Always use your doctor’s official date to avoid incorrect semester calculations.
❌ Duplicate claims – Only one claim is allowed per pregnancy.

🧠 TL;DR (Summary for Busy Readers)

You must pay at least 3 contributions within the 12 months before your semester of contingency.
Your semester of contingency = quarter of delivery + previous quarter.
Use the SSS Maternity Qualifying Period Calculator 2026 to check instantly.
Always notify SSS before giving birth.
Solo parents can get up to 120 days of benefit.

❓ Frequently Asked Questions (FAQs)

1. What if I gave birth earlier than my EDD?
The actual delivery date will be used to determine your semester of contingency.

2. Can I still apply if I missed my 3-month contribution requirement?
Unfortunately, no. You must complete at least 3 contributions within the correct period to qualify.

3. How do I know if my employer is remitting my contributions?
Check your My.SSS account under “Contribution Inquiry” to confirm.

4. What if I’m both employed and self-employed?
Your total contributions count, as long as they fall within the qualifying period.

5. Can I apply for maternity benefit more than once a year?
Only once per pregnancy — even if two pregnancies happen in the same year.

❤️ Final Reminder

Every mother deserves support — especially during one of life’s most important moments.
Before your delivery, check your qualifying period using the official SSS Maternity Qualifying Period Calculator 2026 to make sure you’re eligible and ready to claim your benefit with confidence.