Hindi ako sure kung pwede yan, babe, I think ang SSS loans usually may specific terms na kailangan mong follow, and if delayed ang claim mo after maternity, baka may complications? Best to call SSS directly or mag-visit ng branch para sure, kasi ang mga terms nila ay strict talaga, especially pagdating sa deadlines and disbursement schedules. One of my officemates had SSS maternity benefits issues before kaya mahaba ang process if may discrepancies, so mas safe na tuklasin mo exactly kung ano ang requirements before mag-apply!