Ang hirap talaga ng timing ng benefits with pregnancy, di ba? Honestly, ang 70k vs 35k is a big difference, kaya I get why you're thinking about it, pero the thing is, hindi mo talaga kontrolado kung kailan ka mag-aalabas, lalo na at 37 weeks ka na by December pa lang. If you deliver earlier than January 2, makukuha mo lang ang 35k kahit gusto mo ng 70k, so parang risky ang mag-plan around the money. Better to talk directly with your SSS officer ulit about your situation and what's realistically achievable given your contributions and due date, they can give you the clearest picture kasi basta-basta mag-shift ng delivery plans para sa benefits ay hindi safe, at finances lang yan, health and baby safety ang priority. Good luck, mama!