Late Filing of SSS Maternity Notification: What Happens & What You Can Do
Filing your SSS maternity notification (MAT-1) on time is a critical step in claiming your maternity benefit from the Social Security System (SSS). But what if you missed the deadline? Can you still file? Will you still receive your benefit?
This blog breaks down what happens if you file late, your options, and what steps to take — especially for voluntary members, OFWs, or first-time moms who may not have been aware of the rules.
đź“ť What Is the Maternity Notification (MAT-1)?
The Maternity Notification Form (MAT-1) is a requirement that all female SSS members must file before giving birth, having a miscarriage, or experiencing an emergency pregnancy termination.
It officially informs SSS of your pregnancy and is required before you can claim your maternity benefit through MAT-2 after delivery.
đź•’ When Should You File MAT-1?
You must file as early as possible after confirming your pregnancy, and before the actual delivery or pregnancy outcome.
You may not be eligible for the SSS maternity benefit.
SSS will deny your claim for non-compliance.
Some employers may still advance the benefit voluntarily, but they can’t get reimbursed by SSS without a valid MAT-1.
For Voluntary, Self-Employed, or OFW Members:
Late filing may lead to denial of the maternity benefit.
You may be required to submit additional explanation letters or proof of emergency circumstances.
SSS usually does not accept MAT-1 filed after childbirth, unless valid reasons with documentation are provided.
📌 What If You Didn’t Know You Had to File MAT-1?
While it’s a common issue for first-time moms or those who just recently became voluntary members, “not knowing” is generally not accepted as a valid excuse by SSS.
However, here’s what you can do:
âś… Steps to Take If You Filed Late:
Visit an SSS branch and ask for assistance
Submit MAT-1 immediately, even if late
Prepare a written explanation for why the filing was delayed
Submit supporting documents such as:
Prenatal checkups
Ultrasound reports
Proof of pregnancy prior to delivery
Birth certificate of the child
Note: Approval will be at the discretion of SSS, and filing late does not guarantee that your benefit will be granted.
đź’ˇ Important Reminder for Future Filings
To avoid delays or denial:
File MAT-1 immediately after your first prenatal checkup
Use the SSS Mobile App for convenience
For voluntary members and OFWs: You don’t need an employer to file; just log in to your My.SSS account
🧮 Want to Know How Much Maternity Benefit You’re Entitled To?
Use this free calculator to check your eligibility and estimated benefit based on your SSS contributions:
Filing your SSS maternity notification on time is a simple but essential step to securing your benefit. If you filed late, act quickly, prepare all documents, and be ready to explain. While approval isn’t guaranteed, SSS may still consider your case depending on the situation.
Planning ahead is always better — so if you’re expecting or planning to conceive soon, file MAT-1 early and monitor your SSS contributions.
