Ay momsh, best na talaga to confirm directly sa SSS mismo kasi ang maternity benefit rules nila ay strict talaga with the qualifying period, usually kailangan mo ng contributions within a specific timeframe before your due date, at ang 3 months might be cutting it close depende sa exact requirements nila ngayon. I have a few mum friends who went through this and sabi nila super importante talaga ang timing, kaya sigurado, call the SSS hotline or visit their office personally kasi baka may special provisions din para sa voluntary contributors, better safe than sorry especially with maternity benefits!