SSS Qualifying Period Examples for December 2026 Delivery

If your Expected Delivery Date (EDD) is December 2026, congratulations! 🎉 You’re nearing one of the most exciting chapters of your life. But before you take your maternity leave, it’s important to know whether you’re qualified to receive your SSS Maternity Benefit — and that depends on your SSS qualifying period.

This article will walk you through the computation step-by-step using real examples, simple explanations, and a helpful tool — the SSS Maternity Qualifying Period Calculator 2026 — so you can check instantly if you’re eligible.

🤰 Why the SSS Maternity Benefit Matters

The SSS Maternity Benefit gives financial support to female SSS members who can’t work due to childbirth, miscarriage, or emergency termination of pregnancy.

However, you must meet one crucial condition:
👉 At least 3 SSS contributions within your 12-month qualifying period.

The qualifying period depends on your Expected Delivery Date (EDD) — not the year or month when you applied.

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

🧮 Step 1: Identify Your Semester of Contingency

Your semester of contingency refers to the 6-month period (2 quarters) that includes:

The quarter of your delivery, and
The quarter immediately before it.

For a December 2026 delivery:

Quarter of delivery = Q4 2026 (October–December)
Previous quarter = Q3 2026 (July–September)

✅ Semester of contingency: July 2026 – December 2026

You will exclude these months when counting your qualifying period.

📆 Step 2: Count 12 Months Backward

From the start of your semester (July 2026), count 12 months backward.
That gives you:

July 2025 – June 2026

✅ Qualifying Period: July 2025 to June 2026
To qualify, you need at least 3 valid SSS contributions during this 12-month period.

📊 December 2026 Delivery Summary

Expected Delivery Date (EDD)	Quarter of Delivery	Semester of Contingency (Exclude)	Qualifying Period (12 Months)	Minimum Contributions Required
December 2026	Q4 2026	Q4 2026 + Q3 2026	July 2025 – June 2026	3

💡 Tip: Payments made after June 2026 (during July–December 2026) will not count toward your maternity claim. Focus on making payments between July 2025–June 2026.

👩‍🍼 Real-Life Stories from Filipino Moms

Rowena’s Story – OFW on Vacation Leave

Rowena, an OFW from Dubai, was due in December 2026. She thought she lost eligibility because she missed paying in mid-2025. But after using the SSS Maternity Qualifying Period Calculator 2026, she learned she could still pay as a voluntary member for July 2025–June 2026, securing her maternity benefit before flying back abroad.

Clarisse’s Story – Office Worker Turned Freelancer

Clarisse from Makati left her corporate job in mid-2025 to freelance. Her EDD was December 2026, and she was afraid of disqualification. Thankfully, her employer’s payments from July–December 2025 were within the qualifying period, so she still met the 3-month rule.

Leah’s Story – Market Vendor and First-Time Mom

Leah from Iloilo had her first baby due in December 2026. She wasn’t sure when to pay, but after checking the calculator, she learned her qualifying period was July 2025–June 2026. She consistently paid her voluntary contributions and received her maternity benefit smoothly.

Dianne’s Story – Public School Teacher

Dianne from Baguio, a public school teacher, was automatically covered. Her school’s SSS remittances from July 2025 to June 2026 secured her maternity leave without any issues.

🧮 Step 3: Verify Instantly Using the Calculator

Instead of manually counting months, just use the
👉 SSS Maternity Qualifying Period Calculator 2026

Enter your Expected Delivery Date (EDD), and it will instantly show:

Your semester of contingency
Your qualifying period
Whether your contributions are enough

Perfect for first-time applicants and busy moms who want clarity right away.

💰 SSS Maternity Benefit Duration and Leave Days

Type of Delivery	Paid Leave Days	Description
Normal Delivery	105 days	Standard maternity leave
Cesarean Delivery	105 days	Same benefit for surgical birth
Miscarriage / ETP / Stillbirth	60 days	For pregnancy loss
Solo Parent (Normal or Cesarean)	120 days	For mothers with Solo Parent ID

⚠️ Common Mistakes to Avoid

Counting the wrong months – Exclude July–December 2026 from the computation.
Late payments – Retroactive payments don’t count for maternity eligibility.
Forgetting to file maternity notification – Submit this before giving birth.
Assuming all payments count – Only contributions between July 2025–June 2026 are valid.
Not checking My.SSS – Always verify your contribution history online.

💬 TL;DR (Quick Summary)

EDD: December 2026
Semester of Contingency: July–December 2026
Qualifying Period: July 2025 – June 2026
Required Contributions: At least 3 valid payments
Check instantly with the SSS Maternity Qualifying Period Calculator 2026

❓ FAQs

1. What if I give birth earlier than December 2026?
Your qualifying period will adjust based on your actual delivery date.

2. Can I pay missed contributions after June 2026?
No. Payments after your qualifying period won’t count toward maternity eligibility.

3. What if I was employed then became voluntary?
As long as your valid contributions are within July 2025–June 2026, you still qualify.

4. How can I check if my employer paid my SSS?
Go to My.SSS → Inquiry → Contributions to check your record.

5. Do solo parents get longer maternity leave?
Yes. Solo parents are entitled to 120 days of paid leave.

❤️ Final Reminder

For December 2026 deliveries, your qualifying period is July 2025 to June 2026.

Double-check your SSS payments now and confirm instantly using the
👉 SSS Maternity Qualifying Period Calculator 2026

Plan your payments early, stay consistent, and secure your maternity benefits before your baby arrives.
Because when you plan ahead, you give yourself the peace of mind you deserve. 💕