Uy, that's a tricky situation talaga! Honestly, I'd really recommend calling SSS directly or visiting their office para malaman mo exactly kung kailangan mo pa ng voluntary contributions, kasi ang maternity benefits nila ay may specific contribution requirements, and with your last payment in May tapos EDD mo January 2026, kailangan mo sure na covered ka na before your delivery date. One of my mum friends had similar concerns and the SSS staff were actually super helpful sa phone, so don't hesitate to reach out to them, better safe than sorry, especially pang-maternity benefits na important talaga!