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.
Its not a loanyou dont repay it.
Benefit may cover up to 105 days depending on your contributions and delivery typeⓘ.
Filing Deadlines
| Process | Deadline |
|---|---|
| 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, its 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)
| Document | Purpose |
|---|---|
| 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 Cert | Proof of delivery |
| Medical Certificate | Proof of pregnancy, delivery, or miscarriage |
| Prenatal and Hospital Records | Support pregnancy timeline |
| Employer Certification or Pay Slips | Prove employment during pregnancy |
| Complaint Record (if any) | If employer failed to file MAT-1 |
| SSS Contribution Record (optional) | To verify eligibility and estimate benefit |
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, employers 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
- Collect All Required Documentsⓘ
- Fill Out Forms (E-1, Affidavit, etc.)
- Get Your Affidavit Notarized
- Submit to the Nearest SSS Branch
- 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), heres 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.
4. Youll Be Notified
- Youll 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, heres 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 didnt 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 3090 days, depending on the case complexity and completeness of documents.
SSS Contact & Online Tools
| Platform | Link / Info |
|---|---|
| Website | https://www.sss.gov.ph |
| Mobile App | Available on iOS and Android |
| Hotline | 1455 (Metro Manila) / (02) 8737-1111 |
| member_relations@sss.gov.ph | |
| Calculator | https://sssmaternitybenefitscalculator.com |
Final Summary: What to Do if You Filed Late
| Scenario | What to Do |
|---|---|
| MAT-1 Not Filed | Submit affidavit, medical proof, complaint if employer failed to notify SSS |
| Claim Filed After 2 Years | Submit affidavit with strong, valid justification; approval is not guaranteed |
| Claim Denied | File Motion for Reconsideration or appeal to SSS Commission |
| Unsure of Entitlement | Use the Maternity Calculator |