Does SSS Cover Miscarriage at Any Stage of Pregnancy?

Miscarriage is one of the most difficult experiences a woman can face. Alongside the emotional pain, there are also financial and medical concerns that follow. Many SSS female members ask:

“Does SSS cover miscarriage even if it happens very early or very late in pregnancy?”

The answer is YES — SSS maternity benefits cover miscarriage at any stage of pregnancy, from just a few weeks into the first trimester up to full-term stillbirth.

Understanding your eligibility and how to file your claim ensures you get the financial help you deserve during recovery.

SSS Coverage for Miscarriage

The Social Security System (SSS) recognizes miscarriage as a valid ground for maternity benefit claims, regardless of pregnancy stage. This includes:

Early miscarriage (before 12 weeks)
Second-trimester pregnancy loss
Late miscarriage or stillbirth (after 20 weeks)
Ectopic pregnancy (with or without surgery)
Medically necessary pregnancy termination (due to health risks)

Benefit period: SSS grants 60 days of maternity leave with pay for miscarriage, no matter the week of pregnancy.

Eligibility Requirements

To claim SSS maternity benefits for miscarriage at any stage:

Female SSS member — employed, self-employed, voluntary, or OFW.
At least 3 monthly contributions within the 12 months before the semester of miscarriage.
Proper notification to employer (if employed) or directly to SSS (if self-employed/voluntary).
Complete medical documentation proving the miscarriage.

Real-Life Example

Ana, an SSS member for 5 years, had a miscarriage at 7 weeks. She submitted her ultrasound report, OB-GYN medical certificate, and Maternity Notification Form to her employer within 5 days.

✅ Result: SSS granted her 60 days of maternity benefit pay, despite her pregnancy being in the first trimester.

Common Reasons for Claim Rejection

Reason	Why It Happens	Solution
Missing medical documents	No ultrasound or OB certificate submitted	Request official documents from your doctor or hospital immediately
Incorrect SSS records	Name, birthday, or membership info mismatch	File an E-4 form to update your records before submitting
Insufficient contributions	Less than 3 months paid within required period	Continue paying for future claims (cannot be fixed for current case)
Late notification	Not informing employer/SSS within required time	Attach a notarized explanation letter when filing

Step-by-Step Filing Process

1. Prepare Your Documents

Maternity Notification Form (employed members)
Maternity Reimbursement Form (self-employed/voluntary)
OB-GYN medical certificate or hospital records
Ultrasound report or operative record (if applicable)
Valid ID(s)

2. Notify Employer or SSS

Employed: Submit documents to your employer; they will forward to SSS.
Self-Employed/Voluntary: Submit directly to SSS via branch or My.SSS portal.

3. File the Claim

Submit through My.SSS or at an SSS branch.
Keep stamped/acknowledged copies as proof of filing.

Can You File the Claim Yourself?

Absolutely ✅. Many members process their own claims without a fixer by:

Logging in to My.SSS
Filling out the Maternity Benefit Application
Uploading scanned copies of documents
Tracking the application status online

If Your Claim Is Still Denied

Request the official reason for denial in writing.
Provide missing or corrected documents.
If you believe it’s unjust, file an appeal with supporting medical proof.

Estimate Your Benefit Amount

Want to know how much you’ll receive? Use the SSS Maternity Benefits Calculator for Miscarriage to get an instant estimate based on your contributions.

TL;DR – Quick Summary

Yes, SSS covers miscarriage at any stage of pregnancy.
You get 60 days maternity benefit pay for miscarriage, whether early, mid, or late pregnancy.
Must have at least 3 monthly contributions in the last 12 months before the semester of miscarriage.
Submit medical proof and file promptly.
Use the SSS Maternity Benefits Calculator for Miscarriage to check your possible benefit.