Can I Submit MAT-1 and MAT-2 Together After Miscarriage?

Miscarriage is a deeply emotional experience, and on top of that, dealing with SSS maternity benefitⓘ requirements can feel overwhelming.
Normally, MAT-1 (Maternity Notificationⓘ) is filed before delivery or miscarriage, and MAT-2 (Maternity Reimbursementⓘ Claim) is filed after.

But what if the miscarriage happened before you could file MAT-1?

Is it possible to submit MAT-1 and MAT-2 together?

The good news: Yes, you can—but there are rules and extra documents you’ll need.

Understanding MAT-1 and MAT-2

MAT-1: Notifies SSS that you’re pregnant. Usually filed before childbirth or miscarriage.
MAT-2: Requests reimbursement of the maternity benefit after delivery or miscarriage.

For miscarriage cases, late filing of MAT-1 is allowed, but you must submit both MAT-1 and MAT-2 together with supporting medical proofⓘ.

When You Can Submit MAT-1 and MAT-2 Together

You can file them together if:

The miscarriage occurred before you could notify SSS.
You were unaware of the MAT-1 requirement until after the miscarriage.
There was an emergency, and you couldn’t process the notification in time.

Documents Needed for Combined MAT-1 & MAT-2 Filing

Document	Purpose
MAT-1 Form	Late maternity notification
MAT-2 Form	Official claim for benefits
Valid SSS ID	Verifies your identity
Medical Certificate from OB-Gyne	Confirms miscarriage
Histopathology Report (if applicable)	Proof of pregnancy termination
Ultrasound Reports	Before miscarriage (if available)
Letter of Explanation	Reason for late MAT-1 filing

Common Causes for Late MAT-1 Filing

Sudden miscarriage – No time to process notification.
Lack of awareness – Didn’t know MAT-1 is needed even for miscarriage.
Employer oversight – HR didn’t file on your behalf.

How to Solve It

If Employed:

Submit all documents to your HR department.
Ask them to file both MAT-1 and MAT-2 on your behalf.

If Self-Employed / Voluntary / OFW:

File directly via My.SSS or at the nearest branch.
Upload/submit MAT-1, MAT-2, and all supporting proof together.

💡 Tip: Before filing, estimate your benefit using the SSS Maternity Benefits Calculator for Miscarriage so you know how much to expect.

What To Do If Filing Together Fails

Option 1: Ask SSS for a written reason for rejection, then refile with complete requirements.
Option 2: Visit another SSS branch—sometimes, processing varies by location.
Option 3: File MAT-1 separately first, wait for approval, then refile MAT-2.

TL;DR (Too Long; Didn’t Read)

Yes, you can submit MAT-1 and MAT-2 together after miscarriage.
You must attach medical proof and a letter explaining the late MAT-1.
Employers file for employees; self-employed file directly.
Filing early speeds up benefit releaseⓘ.

FAQs

1. Can I get my maternity benefit if I didn’t file MAT-1 before miscarriage?
Yes, as long as you file MAT-1 and MAT-2 together with complete proof.

2. Will SSS penalize me for late MAT-1 filing?
No monetary penalty, but incomplete documents can cause delays.

3. How long do I have to file both forms?
Up to 10 years from the date of miscarriage, but sooner is better.

4. Can I file MAT-1 and MAT-2 online?
Yes, if you are self-employed, voluntary, or an OFW.

5. Do I still need a histopathology report?
Yes, if a D&C procedure was done. Otherwise, a medical certificate may suffice.