Hi mama! Best to submit your claim form na now, bago ka manganak, mas convenient at walang hassle while you're still pregnant and may time pa para mag-process ng employer mo bago magdeliver. A few of us tried both ways, and honestly, mas smooth ang process pag na-file na before kasi after labor you're gonna be busy with baby and recovery, plus mas mabilis ma-reimburse if everything's in order na.