Can I Claim Maternity Benefits for Miscarriage If I Resigned After the Miscarriage?

Can I Claim Maternity Benefits for Miscarriage If I Resigned After the Miscarriage?

Picture this: You’ve just gone through the difficult experience of a miscarriage. You filed your SSS maternity notification, but before you could claim the benefit, you resigned from your job. Now you’re wondering:

“Pwede ko pa bang makuha yung maternity benefits kahit nag-resign na ako?”

This is a common concern for many SSS members, especially since maternity benefits are a big help during recovery—whether employed or not. Let’s break down the rules so you know exactly where you stand.

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Can You Still Claim After Resigning?

Yes — as long as you were qualified at the time of the miscarriage, your resignation after the fact does not remove your entitlement to the benefit.

SSS looks at your eligibility based on the date of contingency (the date of miscarriage) — not your employment status when you claim.

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Key Requirements You Must Still Meet

1. Contribution Requirement

You must have at least 3 monthly contributions within the 12 months before the semester of your miscarriage.

2. Timely Notification

• If employed at the time of miscarriage – You should have filed the MAT-1 with your employer.
• If resigned already – Notify SSS directly as a voluntary or individual claimant.

3. Complete Documentation

• Proof of miscarriage (ultrasound, histopathology, or medical certificate)
• MAT-1 form copy
• Valid ID
• Disbursement account enrollment in My.SSS (if claiming directly)

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Example Scenarios

Situation	Eligible?	Why?
Miscarriage while employed, resigned a month later	✅ Yes	You were employed and eligible at the time of miscarriage.
Miscarriage happened after resignation, no recent contributions	❌ No	You must have qualifying contributions before the contingency.
Miscarriage while employed, employer failed to file MAT-1 before resignation	⚠️ Maybe	Can still claim if you file directly with SSS and prove the miscarriage date.

💡 To know how much you can get, try the
SSS Maternity Benefits Calculator for Miscarriage.

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Common Causes of Claim Issues After Resignation

• Employer did not remit last contributions before resignation.
• No MAT-1 filed before leaving the company.
• Missing or incomplete miscarriage medical documents.
• Delay in filing the claim beyond the prescriptive period.

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How to Fix the Problem

If Employer Did Not File MAT-1

• Go to the nearest SSS branch with your medical proof and request to file MAT-1 directly.

If Contributions Are Missing

• Check My.SSS and ask your employer to remit missing contributions immediately.

If You Have No Employer to Process the Claim

• File directly as an individual claimant using the SSS Maternity Benefit Application Form for separated members.

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Steps to Claim After Resignation

1. Gather all documents – medical proof, valid ID, disbursement account.
2. Go to SSS – submit your claim as a separated member.
3. Follow up online – track your claim status via My.SSS.

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If You Still Can’t Claim After Multiple Attempts

If SSS denies your claim even after completing the requirements:

• Request a written denial letter from SSS.
• Appeal through the SSS branch or the Social Security Commission.
• Keep your documents for reference in case of future claims.

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TL;DR

• You can still claim maternity benefits for miscarriage after resigning if you were eligible at the time of miscarriage.
• Requirements: 3 contributions in the qualifying period, timely notification, complete documents.
• File directly with SSS if no employer is available to process.
• Use the SSS Maternity Benefits Calculator for Miscarriage to estimate your benefit.

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FAQs

1. What if I resigned before I could submit my MAT-1?
You can still file directly with SSS as a separated member.

2. How long do I have to file my claim?
You must file within 10 years from the date of contingency.

3. Will my benefit amount be affected if I resigned?
No — the amount depends on your contributions, not your current job status.

4. What if my employer hasn’t paid my last contributions?
SSS may follow up with your employer; you can also coordinate to have them posted.

5. Can I still claim if my employer refuses to help?
Yes — you can claim directly with SSS using your medical and employment records.