The Ultimate Guide to Late Filing of SSS Maternity Benefits

For Employees, Voluntary Members, and OFWs (2025 Edition)

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📌 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.

✅ It’s not a loan—you don’t repay it.
✅ Benefit may cover up to 105 days depending on your contributions and delivery typeⓘ.

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📅 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.

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❗ What if MAT-1 Was Not Filed?

If the MAT-1 was not submitted, it’s 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

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📄 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

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🧾 Sample Affidavit of Late Filing of Maternity Notification / Claim

You may use the following template, then get it notarized before submission:

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🔢 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.

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🛠️ Step-by-Step Guide to Filing Late Maternity Benefits

1. Collect All Required Documentsⓘⓘ
2. Fill Out Forms (E-1, Affidavit, etc.)
3. Get Your Affidavit Notarized
4. Submit to the Nearest SSS Branch
5. Follow Up via My.SSS or Hotline

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🏛️ What Happens After You File Late?

If you filed past the deadline (e.g., over 2 years after delivery), here’s 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. You’ll Be Notified

• You’ll receive:
  • A benefit releaseⓘ notice (if approved)
  • Or a denial letter (if rejected), with instructions

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❌ What If My Claim is Denied?

If your late claim is denied, here’s 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.

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❓ 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 didn’t 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 30–90 days, depending on the case complexity and completeness of documents.

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📞 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
📧 Email	member_relations@sss.gov.ph
🔢 Calculator	https://www.sssmaternitybenefitscalculator.com

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✅ 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