SSS Qualifying Period Examples for September 2026 Delivery

If your Expected Delivery Date (EDD) is September 2026, it’s important to know whether you’re eligible for the SSS Maternity Benefit — and that depends on your qualifying period.

Many new moms get confused about which contributions count. Don’t worry — this guide will explain how to compute your qualifying months, when to pay, and how to verify your eligibility using the SSS Maternity Qualifying Period Calculator 2026.

We’ll also share real-life stories from Filipino moms who made sure they got their full SSS maternity benefits on time.

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🤰 Why the SSS Qualifying Period Matters

The SSS Maternity Benefit provides cash assistance for female members who cannot work due to childbirth, miscarriage, or early termination of pregnancy.

However, you must meet one key rule:
👉 You need at least 3 SSS contributions within your 12-month qualifying period.

This qualifying period depends on your EDD — not on the year you applied or paid.

Kung member ka ng SSS, good news — pwede kang mag-apply basta nakabayad ka sa tamang buwan.

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🧮 Step 1: Identify Your Semester of Contingency

Your semester of contingency is the six-month period made up of:

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

For a September 2026 delivery:

• Quarter of delivery = Q3 2026 (July–September)
• Previous quarter = Q2 2026 (April–June)

✅ Semester of contingency: April 2026 – September 2026

These months are excluded when counting your qualifying period.

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📆 Step 2: Count 12 Months Backward

From the start of your semester (April 2026), count 12 months backward.

That gives you:
April 2025 – March 2026

✅ Qualifying Period: April 2025 to March 2026
To qualify, you must have at least 3 valid SSS contributions during this period.

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📊 September 2026 Delivery Summary

Expected Delivery Date (EDD)	Quarter of Delivery	Semester of Contingency (Exclude)	Qualifying Period (12 Months)	Minimum Contributions Required
September 2026	Q3 2026	Q3 2026 + Q2 2026	April 2025 – March 2026	3

💡 Tip: If you’re a voluntary or self-employed member, make sure your payments from April 2025 to March 2026 are complete. Contributions made during April–September 2026 won’t count for your maternity claim.

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👩‍🍼 Real-Life Stories from Filipino Moms

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

Leah from Iloilo had an EDD in September 2026. When she checked using the SSS Maternity Qualifying Period Calculator 2026, she found out she needed contributions from April 2025–March 2026. She made her voluntary payments regularly and qualified easily for the full 105-day maternity leave.

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Clarisse’s Story – Office Worker Turned Freelancer

Clarisse from Makati switched to freelancing in mid-2025. With her EDD in September 2026, she was initially worried about missing months. Thankfully, her previous employee payments from April–December 2025 were within the qualifying period, so she was eligible.

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Dianne’s Story – Public School Teacher

Dianne, a teacher from Baguio, had consistent monthly SSS deductions from her salary. Her September 2026 delivery was automatically covered since her school remitted her contributions on time within April 2025–March 2026.

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Rowena’s Story – OFW Who Paid Ahead

Rowena, an OFW from Dubai, learned from a Facebook group that she could pay her SSS contributions online. Using the calculator, she confirmed her qualifying period and made advance voluntary payments before March 2026 to secure her benefit.

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🧮 Step 3: Verify Instantly Using the Calculator

Instead of manually counting quarters, you can instantly find out if you qualify using the
👉 SSS Maternity Qualifying Period Calculator 2026

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

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

It’s the easiest and most accurate way to confirm your status, especially for first-time applicants.

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💰 SSS Maternity Benefit Duration and Leave Days

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

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⚠️ Common Mistakes to Avoid

1. Counting the wrong months – Exclude April–September 2026.
2. Late payments – Retroactive contributions don’t count for maternity benefits.
3. Missing maternity notification – File it before giving birth.
4. Incomplete contributions – Ensure at least 3 valid months in April 2025–March 2026.
5. Wrong EDD assumption – Always use your OB-certified expected delivery date.

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💬 TL;DR (Quick Summary)

• EDD: September 2026
• Semester of Contingency: April–September 2026
• Qualifying Period: April 2025 – March 2026
• Required Contributions: At least 3 within the qualifying period
• Verify instantly using the SSS Maternity Qualifying Period Calculator 2026

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❓ FAQs

1. What if I give birth earlier than September 2026?
SSS will base your eligibility on your actual date of delivery.

2. Can I pay missed contributions later?
No. Late or retroactive payments do not count toward maternity qualification.

3. What if I switched from employed to voluntary?
That’s okay — as long as your contributions between April 2025–March 2026 are valid.

4. How do I check my SSS payments?
Log in to My.SSS → Inquiry → Contributions to view your record.

5. I’m a solo parent — do I get more days of leave?
Yes! Solo parents are entitled to 120 days of maternity leave.

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❤️ Final Reminder

For September 2026 deliveries, your qualifying period is April 2025 to March 2026.

Check your payments early and use the
👉 SSS Maternity Qualifying Period Calculator 2026
to confirm instantly.

Plan ahead, pay on time, and enjoy the full maternity benefits you deserve!