SSS Qualifying Period Examples for February 2026 Delivery
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SSS Qualifying Period Examples for February 2026 Delivery
If your Expected Delivery Date (EDD) is February 2026, you’re probably asking — “Am I qualified for SSS Maternity Benefits?” Many members get confused because the computation doesn’t start from your due date but from something called your semester of contingency.
In this guide, we’ll walk you through how to compute the SSS Qualifying Period for a February 2026 delivery, explain it with examples, and share real stories from moms who successfully claimed their benefits. You’ll also learn how to check it automatically using the SSS Maternity Qualifying Period Calculator 2026.
🤰 Why the SSS Maternity Benefit Is Important
The SSS Maternity Benefit provides financial assistance to female members who can’t work due to childbirth, miscarriage, or early termination of pregnancy (ETP).
Kung member ka ng SSS, good news — pwede kang mag-apply basta qualified ka sa requirements. But to qualify, you need enough contributions in the right qualifying period — not just any payments you made in the past.
🧮 Step 1: Identify Your Semester of Contingency
A semester of contingency is the 6-month period made up of:
The quarter of your delivery, and
The quarter before that.
For an EDD in February 2026:
Quarter of delivery = Q1 2026 (January–March)
Previous quarter = Q4 2025 (October–December 2025) ✅ Semester of contingency:October 2025 – March 2026
👉 These 6 months are excluded when counting your qualifying period.
📆 Step 2: Count 12 Months Backward
From the first month of your semester (October 2025), count 12 months backward.
That gives you: October 2024 – September 2025
âś… Qualifying Period: October 2024 to September 2025 You must have at least 3 SSS contributions within this 12-month period to be eligible for maternity benefits.
đź“Š February 2026 Delivery Summary
Expected Delivery Date (EDD)
Quarter of Delivery
Semester of Contingency (Exclude)
Qualifying Period (12 Months)
Minimum Contributions Required
February 2026
Q1 2026
Q1 2026 + Q4 2025
October 2024 – September 2025
3
💡 Tip: Payments made within the semester of contingency (Oct 2025–Mar 2026) don’t count for this pregnancy. Focus on payments made before October 2025.
Dianne, a public school teacher from Baguio, had her EDD in February 2026. She checked the SSS Maternity Qualifying Period Calculator 2026 and learned her qualifying period was October 2024–September 2025. Since her payroll deductions were consistent, she was fully eligible and received her full 105-day benefit.
Clarisse’s Story – Office Worker Turned Freelancer
Clarisse from Makati used to work in a corporate job but shifted to freelance work in 2025. She feared she wasn’t qualified anymore. But after checking the calculator, she found that her previous company payments (within October 2024–September 2025) still made her eligible.
Leah’s Story – Market Vendor and First-Time Mom
Leah from Iloilo runs a vegetable stall. Her EDD was in February 2026, and she wasn’t sure when to pay. She learned her qualifying period ended in September 2025, so she made voluntary payments early — and successfully claimed her benefit.
1. What if my actual delivery is earlier than February 2026? SSS will use your actual delivery date to compute your semester and qualifying period.
2. Can I still pay missed months? No, retroactive payments aren’t accepted for maternity eligibility.
3. I changed from employee to voluntary member — will it affect eligibility? No, as long as your contributions within October 2024–September 2025 are complete.
4. How do I check my contributions? Log in to My.SSS → Inquiry → Contributions to view your record.
5. What if I’m a solo parent? You’ll still follow the same qualifying period but will enjoy 120 days of paid leave instead of 105.
❤️ Final Reminder
For February 2026 deliveries, your qualifying period is October 2024 to September 2025.
