SSS Maternity Benefits - FAQs

The Ultimate Guide to Late Filing of SSS Maternity Benefits

The Ultimate Guide to Late Filing of SSS Maternity Benefits

For Employees, Voluntary Members, and OFWs (2025 Edition)


" What is the SSS Maternity Benefit?

The SSS Maternity Benefit is a cash allowance for female SSS members unable to work due to childbirth, miscarriage, or emergency termination of pregnancy.

... ItTMs not a loan"you donTMt repay it.
... Benefit may cover up to 105 days depending on your contributions and delivery type.


"... Filing Deadlines

ProcessDeadline
MAT-1 (Maternity Notification)Before childbirth or miscarriage
Maternity Benefit Claim (E-1)Within 2 years from date of delivery or miscarriage

Claims beyond 2 years are generally denied unless supported with clear and valid justification.


- What if MAT-1 Was Not Filed?

If the MAT-1 was not submitted, itTMs still possible to claim benefits by:

  • Filing the MAT-1 retroactively (if allowed)
  • Submitting a notarized affidavit and medical proof
  • Filing a complaint if your employer failed to notify SSS

"" Required Documents for Late Filing (Especially Without MAT-1)

DocumentPurpose
... SSS Maternity Benefit Application (Form E-1)Main form to file your claim
... Affidavit of Late Filing (Notarized)Explain why MAT-1 or claim was not filed on time
... PSA Birth Certificate or Hospital Birth CertProof of delivery
... Medical CertificateProof of pregnancy, delivery, or miscarriage
... Prenatal and Hospital RecordsSupport pregnancy timeline
... Employer Certification or Pay SlipsProve employment during pregnancy
... Complaint Record (if any)If employer failed to file MAT-1
... SSS Contribution Record (optional)To verify eligibility and estimate benefit

3/4 Sample Affidavit of Late Filing of Maternity Notification / Claim

You may use the following template, then get it notarized before submission:




Republic of the Philippines
City/Municipality of [Your City]


AFFIDAVIT OF LATE FILING OF MATERNITY BENEFITS

I, [Your Full Name], of legal age, Filipino citizen, and currently residing at [Your Full Address], after having been duly sworn to in accordance with law, hereby depose and state:

That I am a registered member of the Social Security System (SSS) with SSS number [Your SSS Number];
That I gave birth to my child on [Date of Delivery], at [Name of Hospital or Clinic];
That I failed to file the required Maternity Notification (MAT-1) and/or benefit claim due to [State your reason: lack of knowledge, health concerns, employerTMs failure to file, etc.];
That I am now respectfully requesting SSS to accept my maternity claim and consider my case despite the delay;
That I am executing this affidavit to attest to the truth of the above and support my benefit claim.
IN WITNESS WHEREOF, I have hereunto set my hand this [Date], at [City], Philippines.

[Signature]
[Your Printed Name]
SSS Number: [SSS Number]

SUBSCRIBED AND SWORN TO before me this [date] in [city], affiant having presented her valid ID.


" How to Compute Your Maternity Benefit

Use this FREE tool:
' SSS Maternity Benefits Calculator

Input your monthly salary credit and delivery type to estimate your cash benefit.


> Step-by-Step Guide to Filing Late Maternity Benefits

  1. Collect All Required Documents
  2. Fill Out Forms (E-1, Affidavit, etc.)
  3. Get Your Affidavit Notarized
  4. Submit to the Nearest SSS Branch
  5. Follow Up via My.SSS or Hotline

> What Happens After You File Late?

If you filed past the deadline (e.g., over 2 years after delivery), hereTMs what SSS will do:

" 1. Initial Review

  • A claims officer will verify your eligibility, documents, and justification.
  • They will check your contributions, delivery date, and reason for late filing.

" 2. Internal Evaluation

SSS will:

  • Assess whether your delay is excusable (e.g., lack of awareness, employer negligence, medical emergency).
  • Review attached affidavit and supporting documents.
  • Validate whether contributions are sufficient and valid at the time of delivery.

" 3. Endorse for Approval or Denial

  • If valid and justified, your claim will be endorsed for approval and processed.
  • If lacking documents or unjustified, your claim may be denied with an explanation.

"(c) 4. YouTMll Be Notified

  • YouTMll receive:
    • A benefit release notice (if approved)
    • Or a denial letter (if rejected), with instructions

What If My Claim is Denied?

If your late claim is denied, hereTMs what you can do:

1. Review the Reason for Denial

  • Common reasons include:
    • Filing beyond the 2-year limit without strong justification
    • No proof of pregnancy or delivery
    • No sufficient SSS contributions

2. Submit a Request for Reconsideration

  • Go to the SSS branch and ask for a Motion for Reconsideration form.
  • Provide additional evidence if needed.

3. File a Formal Appeal

  • If reconsideration fails, you may file a written appeal to:
    SSS Commission " Office of the President and CEO

- Legal assistance may help if employer negligence is involved or if your rights were violated.


" Frequently Asked Questions (FAQs)

Q: Can I file if I gave birth 3 years ago?
>' Most likely not accepted, unless extraordinary circumstances are justified and approved by SSS.

Q: Can I claim even if my employer didnTMt file MAT-1?
... Yes, by filing it yourself with a notarized affidavit, complaint, and medical documentation.

Q: How long does SSS take to process a late claim?
-' It may take 30"90 days, depending on the case complexity and completeness of documents.


" SSS Contact & Online Tools

PlatformLink / Info
- Websitehttps://www.sss.gov.ph
" Mobile AppAvailable on iOS and Android
Hotline1455 (Metro Manila) / (02) 8737-1111
" Emailmember_relations@sss.gov.ph
" Calculatorhttps://sssmaternitybenefitscalculator.com

... Final Summary: What to Do if You Filed Late

ScenarioWhat to Do
MAT-1 Not FiledSubmit affidavit, medical proof, complaint if employer failed to notify SSS
Claim Filed After 2 YearsSubmit affidavit with strong, valid justification; approval is not guaranteed
Claim DeniedFile Motion for Reconsideration or appeal to SSS Commission
Unsure of EntitlementUse the Maternity Calculator

Related SSS Maternity Benefits Guides

Preparing for Baby Expenses?

Hospital delivery in the Philippines can easily cost ₱60,000 - ₱200,000 depending on the hospital and type of delivery. Many parents use a credit card to manage these expenses while waiting for their SSS maternity benefits.

Apply for a UnionBank Credit Card
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