You’ve been patiently waiting for your maternity benefit — only to receive that dreaded “Denied” or “Disapproved” notice from SSS. If that happened to you, don’t lose hope. You can still request a reconsideration of your claim and possibly get your maternity benefits approved.
In 2026, SSS provides a clear and fair Maternity Claim Reconsideration Process, allowing members to correct errors, submit missing documents, or justify delays. This guide will explain exactly how to request reconsideration, what requirements you’ll need, and how to make sure your case is approved the second time around.
đź’ˇ Why the SSS Maternity Benefit Matters
The SSS Maternity Benefit is one of the most valuable benefits for women members. It gives financial assistance so mothers can recover after childbirth or miscarriage — without losing income.
Depending on your delivery type, you can receive:
105 days for normal or cesarean delivery
120 days if you’re a solo parent
60 days for miscarriage, stillbirth, or early termination of pregnancy
That’s why it’s important to make sure your claim goes through — and to know what to do if it gets denied or needs reconsideration.
⚠️ Common Reasons Why Maternity Claims Need Reconsideration
Reason
What It Means
Late submission of maternity notification
You filed the notice after your delivery or miscarriage.
Insufficient contributions
Less than 3 paid months within your qualifying period.
Unposted or wrong contributions
Payments made but not properly recorded under your account.
Employer delay or error
HR failed to file or uploaded wrong details.
Incomplete or incorrect documents
Missing birth certificate, ultrasound, or mismatched IDs.
System or record mismatch
Technical errors between SSS database and your records.
đź’¬ Good news: Most denials can be corrected through the reconsideration process if you provide valid proof and documentation.
🧾 Step-by-Step: How to File for SSS Maternity Claim Reconsideration (2026)
Step 1. Review Your Denial Notice
Check the exact reason written in the SSS Notice of Denial. It will guide you on what specific document or correction you need to make.
Examples:
“Insufficient contributions” → verify contribution history
“Late notice” → explain valid reasons for delay
Proof of contributions (receipts, PRN slips, or payslips)
Employer Certification (for employed members)
Medical certificate or ultrasound (for early filing)
Birth certificate or proof of delivery (for completed births)
If your issue involves contribution posting, include:
Request for Manual Posting of Contributions Form
Proof of payment (GCash, bank, or payment partner receipt)
Step 3. Write a Reconsideration Letter
This is your formal request to SSS. Keep it polite, brief, and factual.
Include these parts:
Your full name, SSS number, and contact info
Reference number of your denied claim
Explanation of the issue
Supporting evidence (attach copies)
Your signature
Example:
“I respectfully request reconsideration of my denied SSS Maternity Benefit claim dated March 3, 2026, due to insufficient contributions. Upon verification, my October–December 2025 contributions were posted late. I have attached proof of payment and certification from my employer.”
Step 4. Submit to Your SSS Branch
Bring all your documents to your nearest SSS branch. You can also submit via the Maternity Benefits Section at your home branch.
SSS officers will check your documents and issue an Acknowledgment Slip for tracking. Processing usually takes 30–60 days depending on case complexity.
💡 Tip: Keep photocopies of everything before submission — this helps in follow-ups.
Step 5. Follow Up Regularly
After submission:
Log in to your My.SSS account to track claim status.
You can also call or visit the same branch for updates.
If approved, your benefit will be credited to your registered bank account or UMID card. If disapproved again, you may escalate your case to the SSS Commission Appeals Division with additional evidence.
🧮 Verify Before You Reconsider: Check Your Qualifying Period
Before filing a reconsideration, confirm whether your contributions really qualify. Use the 👉 SSS Maternity Qualifying Period Calculator 2026 to automatically compute your qualifying months based on your Expected Delivery Date (EDD).
đź“Š Qualifying Period Reference for 2026
EDD (2026)
Semester Excluded
Qualifying Period (12 Months)
Required Contributions
February 2026
Q1 2026 + Q4 2025
Oct 2024 – Sep 2025
3 valid months
June 2026
Q2 2026 + Q1 2026
Jan 2025 – Dec 2025
3 valid months
October 2026
Q4 2026 + Q3 2026
Jul 2025 – Jun 2026
3 valid months
🧮 Tip: If your missing payments are within your qualifying period, file a correction before submitting your reconsideration.
Clarisse’s Story – Office Worker Turned Freelancer
Clarisse from Makati was denied because SSS considered her inactive after resigning in 2025. After checking with the calculator, she found that her contributions from 2024 still qualified. She filed a reconsideration with proof of her voluntary payment receipts and got her May 2026 maternity benefit released.
Rowena’s Story – OFW on Vacation Leave
Rowena from Dubai got denied for “late notification.” She filed an appeal explaining that she was abroad and attached her ultrasound and flight records. SSS accepted her reconsideration, and her November 2026 benefit was approved.
Dianne’s Story – Newly Married Teacher
Dianne’s employer filed her maternity notice one week after delivery. SSS denied her claim, but after submitting her school HR’s certification and proof of earlier intent, the denial was reversed and paid within 45 days.
Leah’s Story – Market Vendor and First-Time Mom
Leah from Iloilo was denied due to missing payments. She submitted receipts for March–June 2025 and a manual posting form. After 30 days, her reconsideration was approved, and she received her August 2026 payout.
Review the reason for denial from your SSS notice.
Prepare complete proof and documents for correction.
Write and submit your reconsideration letter at your SSS branch.
Wait 30–60 days for processing.
Use the SSS Maternity Qualifying Period Calculator to confirm your contribution eligibility.
Follow up regularly to ensure your case moves forward.
💬 Many denied claims get approved upon reconsideration — especially when backed by valid proof.
âť“ FAQs About Maternity Claim Reconsideration 2026
1. What’s the difference between an appeal and a reconsideration? A reconsideration is filed directly with your branch for review; an appeal goes to the SSS Commission after a second denial.
2. How long do I have to file for reconsideration? Within 60 days from the date you received your denial notice.
3. Can I file online? Not yet. You must file reconsiderations in person with complete documents.
4. What if I lost my proof of payment? Request a copy from your payment partner or employer.
5. Will my benefit be automatically released if approved? Yes. Once verified, SSS will credit your benefit to your registered bank account.
❤️ Final Advice
A denied claim is not the end — it’s just a delay. Stay calm, organize your documents, and file your reconsideration as soon as possible.
