Maternity Pay in the UK: What Every Expecting Parent Needs to Know

Congrats, you’re expecting! One of the first things on your mind is probably money – how much you’ll get while you’re on leave and how to claim it. In the UK, maternity pay is split into two main parts: Statutory Maternity Pay (SMP) and any extra payments your employer might offer. Let’s break it down so you can plan ahead without the jargon.

Statutory Maternity Pay – the basics

SMP is the legal minimum most employees receive. To qualify, you need to have worked for your employer for at least 26 weeks straight up to the 15th week before your due date, and you must earn at least £123 per week (the current threshold). If you meet those rules, you’ll get 90% of your average weekly earnings for the first 6 weeks, then a flat rate (currently £172 per week) for the next 33 weeks.

Pay is usually sent through your normal payroll, so you don’t have to chase a separate cheque. Just make sure your employer has your due date and the right paperwork – the SMP1 form – in time.

Employer‑enhanced maternity pay and additional help

Many companies top up SMP with a more generous package. This could mean the flat rate stays higher for longer, or you get a full salary for the whole 39 weeks. Check your contract or ask HR to see what’s on offer. Some workplaces also give a “maternity allowance” on top of SMP, especially for higher earners.

Beyond employer pay, you might be eligible for Maternity Allowance from the Department for Work and Pensions (DWP) if you’re self‑employed or don’t meet SMP criteria. It’s a similar flat rate, but you need to provide proof of recent National Insurance contributions.

Now that you know the numbers, here’s a quick checklist to get your pay rolling:

• Tell your employer your intended start date (at least 15 weeks before your due date).
• Submit the SMP1 form – you can get it from your HR or download it online.
• Gather your payslips for the 8 weeks before your due date – the DWP may need them.
• If you’re self‑employed, apply for Maternity Allowance at least 28 days before your baby arrives.

Don’t forget to check your maternity leave dates. You can start your leave up to 11 weeks before the baby is due, and you must take at least 2 weeks off after birth (or 4 weeks if you’ve had a C‑section). While you’re on leave, your contract stays in place, and you’re protected against unfair dismissal.

Got a partner? They might qualify for Statutory Paternity Pay or Shared Parental Pay, which can stretch your family’s income further. It’s worth chatting with your partner’s employer to see how the two schemes can work together.

Finally, keep an eye on your bank statements. If your SMP stops early or the amount looks off, contact payroll right away. Mistakes happen, and it’s easier to fix them early than chase a missing payment months later.

With the right paperwork and a clear plan, getting maternity pay doesn’t have to be a headache. Use this guide as your start‑off point, ask questions when you’re unsure, and enjoy the next few months knowing your finances are looking after.