SSS Qualifying Period Examples for July 2026 Delivery
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SSS Qualifying Period Examples for July 2026 Delivery
If your Expected Delivery Date (EDD) is July 2026, one of the key things you must know before filing your maternity benefit claim is your qualifying period. Many new and first-time SSS members are surprised to learn that their recent contributions don’t always count — what really matters is the months before your delivery semester.
In this guide, we’ll walk you through how to calculate your qualifying period for July 2026 step-by-step, share real stories from moms who successfully applied, and show how to check your eligibility instantly using the SSS Maternity Qualifying Period Calculator 2026.
🤰 Why SSS Maternity Benefits Matter
The SSS Maternity Benefit provides cash assistance for female members who cannot work due to childbirth, miscarriage, or emergency termination of pregnancy.
This benefit helps mothers financially recover and care for their baby, especially for freelancers, self-employed members, and voluntary contributors who have no employer-provided maternity leave.
Kung member ka ng SSS, good news — pwede kang mag-apply basta qualified ka sa requirements.
🧮 Step 1: Identify Your Semester of Contingency
The semester of contingency is made up of:
The quarter of your delivery, and
The quarter right before it
For an EDD in July 2026:
Quarter of delivery = Q3 2026 (July–September)
Previous quarter = Q2 2026 (April–June)
✅ Semester of contingency:April 2026 – September 2026
These six months are excluded from your qualifying period calculation.
📆 Step 2: Count 12 Months Backward
From the first month of your semester (April 2026), count 12 months backward.
That gives you: April 2025 – March 2026
âś… Qualifying Period: April 2025 to March 2026 You need to have at least 3 valid monthly SSS contributions within this 12-month window to qualify for the maternity benefit.
đź“Š July 2026 Delivery Summary
Expected Delivery Date (EDD)
Quarter of Delivery
Semester of Contingency (Exclude)
Qualifying Period (12 Months)
Minimum Contributions Required
July 2026
Q3 2026
Q3 2026 + Q2 2026
April 2025 – March 2026
3
💡 Tip: Contributions made during April–September 2026 won’t count for your claim. Only payments made between April 2025 and March 2026 matter for your July 2026 delivery.
Leah’s Story – Market Vendor and First-Time Mom
Leah from Iloilo was due in July 2026. When she learned about the qualifying period rule, she realized only her payments from April 2025 to March 2026 counted. She completed all her voluntary contributions for those months and was able to claim her full 105-day maternity benefit.
Clarisse’s Story – Office Worker Turned Freelancer
Clarisse from Makati left her corporate job in 2025 to start freelancing. Her due date was July 2026, and she was unsure if her previous employee payments still qualified. After checking with the SSS Maternity Qualifying Period Calculator 2026, she confirmed that her 2025 contributions (April–December) were enough to secure her benefit.
Rowena’s Story – OFW Mom
Rowena from Dubai was pregnant and expected to give birth in July 2026. She used the calculator and discovered she had to pay voluntary contributions until March 2026. She made timely payments online, ensuring her eligibility even while working abroad.
Dianne’s Story – Public School Teacher
Dianne, a teacher from Baguio, maintained consistent SSS payments through payroll deductions. Since her qualifying period covered April 2025 to March 2026, her benefits were processed without issue when she gave birth in July.
🧮 Step 3: Verify Instantly Using the Calculator
