Will SSS Reject My Claim if MAT-1 Was Not Filed Before Miscarriage?

Miscarriage is an emotionally and physically difficult experience. But on top of that, many SSS members worry:

“What if I didn’t file MAT-1 before my miscarriage—will my maternity benefit claim be rejected?”

This question matters because MAT-1 (Maternity Notification) is usually a pre-requisite for claiming MAT-2 (Maternity Benefit). But in cases of miscarriage, there are exceptions—if you know the right process.

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Understanding MAT-1 in the Context of Miscarriage

• MAT-1: Officially notifies SSS of your pregnancy. Usually filed before childbirth or miscarriage.
• MAT-2: Filed after childbirth or miscarriage to claim the cash benefit.

For miscarriage cases: SSS allows late filing of MAT-1, but you must provide proof and submit it together with MAT-2.

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Will SSS Automatically Reject Your Claim?

No, not automatically.
If you didn’t file MAT-1 before the miscarriage, SSS will not instantly deny your claim—but they will require:

• A valid medical reason for the delay
• Complete supporting documents proving the miscarriage and pregnancy
• A letter of explanation

Without these, rejection is likely.

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Common Causes of Not Filing MAT-1 Before Miscarriage

1. Sudden miscarriage – No time to process paperwork.
2. Lack of awareness – Didn’t know MAT-1 is required even for miscarriage.
3. Employer oversight – HR failed to file the notification.
4. Overseas or remote location – Couldn’t physically submit the form.

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How to Fix the Situation

Step 1 – Prepare Both MAT-1 and MAT-2

• Fill out MAT-1 (late filing) and MAT-2.
• Attach complete medical documents:
  • Medical certificate from OB-Gyne
  • Histopathology report (if D&C was done)
  • Ultrasound reports (if available)

Step 2 – Write a Letter of Explanation

Explain clearly why MAT-1 was not filed before the miscarriage. Keep it simple, factual, and polite.

Step 3 – File Through the Correct Channel

• If employed: Submit to your HR for processing.
• If self-employed/voluntary: File directly via My.SSS or at the nearest branch.

💡 Tip: Before filing, you can use the SSS Maternity Benefits Calculator for Miscarriage to know your possible benefit amount.

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What to Do if Your Claim Still Gets Rejected

• Option 1: Ask for the official reason in writing, then refile with corrected or additional documents.
• Option 2: Visit a different SSS branch—some have more flexible processing depending on the officer-in-charge.
• Option 3: File an appeal to the SSS Commission with all supporting proof.

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TL;DR (Too Long; Didn’t Read)

• SSS won’t automatically reject your claim if MAT-1 wasn’t filed before miscarriage.
• You must file MAT-1 and MAT-2 together with complete proof and a valid explanation.
• Always include medical certificates, histopathology reports (if applicable), and a letter of explanation.

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FAQs

1. Can I still get my benefit if I missed MAT-1 filing before miscarriage?
Yes, as long as you file both MAT-1 and MAT-2 together with complete proof.

2. How long do I have to file after miscarriage?
Up to 10 years from the date of miscarriage, but filing sooner avoids delays.

3. Do I need my employer to file it for me?
If you are employed, yes—submit all requirements to HR.

4. What happens if I only file MAT-2 without MAT-1?
SSS will reject it because MAT-1 is a required part of the process.

5. Can I file online for miscarriage claims?
Yes, self-employed, voluntary, and OFW members can file via My.SSS.