Ay hirap yan talaga, kasi usually maternity loan kailangan file mo within a certain timeframe after giving birth, 2 years ago na parang mahirap na ang approval. Better to check directly with your SSS or kung saan ka nag-avail, basta bring your maternity documents at payslips na showing na active ka ulit sa work ngayon, baka may chance pa depending sa company policy nyo. One of my mum friends tried similar situation kaya worth asking pa rin, walang mawawala sa inquiry!