SSS Qualifying Period Examples for November 2026 Delivery

Are you expecting your baby in November 2026? Congratulations! 🎉 But before the big day arrives, it’s important to understand how your SSS maternity benefit eligibility works — specifically your qualifying period.

Many first-time moms think their latest SSS payments automatically qualify them, but the rule is a bit more specific. This guide breaks it down clearly — and you can double-check your status using the SSS Maternity Qualifying Period Calculator 2026.

🤰 Why the SSS Maternity Qualifying Period Matters

The SSS Maternity Benefit gives financial assistance to women who can’t work due to childbirth, miscarriage, or early termination of pregnancy.

But not all paying members automatically qualify — you must meet a simple but crucial condition:

👉 You need at least 3 monthly SSS contributions within your 12-month qualifying period.

This qualifying period depends on your Expected Delivery Date (EDD), not on the year you last paid.

Kung member ka ng SSS, good news — pwede kang mag-apply basta tama ang timing ng payments mo!

🧮 Step 1: Identify Your Semester of Contingency

Your semester of contingency is a 6-month period (2 quarters) consisting of:

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

For a November 2026 delivery:

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

✅ Semester of contingency: July 2026 – December 2026

These months are excluded when counting your qualifying period.

📆 Step 2: Count 12 Months Backward

Starting from July 2026, count 12 months backward to find your qualifying period.

Result:
July 2025 – June 2026

✅ Qualifying Period: July 2025 to June 2026
You must have at least 3 valid SSS contributions within this period to qualify for maternity benefits.

📊 November 2026 Delivery Summary

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

💡 Tip: Contributions paid between July–December 2026 will not count for your November 2026 delivery. Only July 2025–June 2026 payments are considered for eligibility.

👩‍🍼 Real-Life Stories from Filipino Moms

Rowena’s Story – OFW on Vacation Leave

Rowena, an OFW based in Dubai, went home for her pregnancy in November 2026. She didn’t realize that she could still pay her SSS as a voluntary member abroad. After using the SSS Maternity Qualifying Period Calculator 2026, she saw she needed contributions from July 2025–June 2026 and paid all her dues on time before giving birth.

Clarisse’s Story – Office Worker Turned Freelancer

Clarisse from Makati left her corporate job in mid-2025. Her EDD was set for November 2026, and she was unsure if her previous contributions still counted. Good thing her earlier company remittances (July–December 2025) covered her qualifying period, allowing her to claim full maternity benefits.

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

Leah, a small business owner from Iloilo, learned that her qualifying period was July 2025–June 2026. By paying voluntary contributions regularly within that time, she easily met the 3-month minimum requirement.

Dianne’s Story – Public School Teacher

Dianne, a teacher from Baguio, planned her pregnancy wisely. Because her salary deductions automatically covered her SSS payments within July 2025–June 2026, her November 2026 claim was approved without delay.

🧮 Step 3: Verify Instantly Using the Calculator

Manually counting quarters can be confusing — that’s why the
👉 SSS Maternity Qualifying Period Calculator 2026
is your best friend!

Just enter your Expected Delivery Date (EDD) and it will show:

Your semester of contingency
Your 12-month qualifying period
Whether your contributions make you eligible

Perfect for busy or first-time moms who want to plan early.

💰 SSS Maternity Benefit Duration and Leave Days

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

⚠️ Common Mistakes to Avoid

Counting the wrong months – Don’t include July–December 2026.
Paying too late – Retroactive payments don’t count for maternity eligibility.
Forgetting to file maternity notification – Do this before your delivery date.
Not checking your My.SSS account – Always monitor your contributions.
Assuming you’re covered by old payments – Only July 2025–June 2026 counts for this EDD.

💬 TL;DR (Quick Summary)

EDD: November 2026
Semester of Contingency: July–December 2026
Qualifying Period: July 2025 – June 2026
Minimum Contributions: 3 within the qualifying period
Check instantly using the SSS Maternity Qualifying Period Calculator 2026

❓ FAQs

1. What if I give birth earlier than November 2026?
SSS will use your actual date of delivery for the qualifying period computation.

2. Can I pay missed months after June 2026?
No. Payments made after the qualifying period don’t count.

3. I changed from employed to voluntary member — is that okay?
Yes! As long as your contributions are valid within July 2025–June 2026.

4. How do I check if my company remitted my SSS?
Log in to My.SSS → Inquiry → Contributions and verify the remittance months.

5. I’m a solo parent — how many leave days do I get?
Solo parents are entitled to 120 days of paid maternity leave.

❤️ Final Reminder

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

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

By planning and paying on time, you can enjoy your full maternity benefits without stress when your baby arrives!

SSS Qualifying Period Examples for November 2026 Delivery