Hey mama! Honestly, I'm not 100% sure on the exact cutoff kaya best na mag-inquire directly sa SSS office or call their hotline para sure, a few of us tried asking online pero ang sagot palaging "depende sa case" haha, kaya mas mabilis talaga pag direct contact. Pero from what I know, maraming moms pa rin na nakapag-process even when already preggers, so there's hope! I'd say go for it na lang ngayon, hindi ka mawawalan in trying, at mas maaga mo ma-settle yan before delivery. Good luck, mama!