How much maternity benefit will I receive and for how long? (2023)

How much maternity pay you earn during your time off can have a major impact on how you live your life.understanding is also importantHow is maternity benefit calculatedeif you need to go upstairsThis way you can keep track of how much you can get.

The good news is that from April 2023 the maternity leave salary has been increased.

Sarah PennelsRoyal London's consumer finance experts point out that maternity leave payment policies vary widely between employers - just because someone in your antenatal class expects to be fully paid for six months doesn't mean you can too. “After the first six weeks, the minimum wage that employers have to pay is not generous,” she told us. "But some organizations pay for the first six months or longer in some cases. Whether your employer has a generous maternity or parental policy, or pays only minimum wage, your family's financial situation could be impacted."

It's also worth finding out if you qualifySure Start Maternity Benefits, which can offer a £500 one-off payment to help you buy all the baby essentials new parents might need. Thathealthy start programIt should also be considered, as it can help low-income people buy healthy food and milk, as well as essential vitamin supplements that you or your baby may need during your pregnancy.

How much maternity allowance can I get?

Mandatory maternity pay determines the minimum wage your employer can pay during your maternity leave. This represents 90% of your average weekly income over the previous six weeks. This is followed by 33 weeks at £172.48 per week or 90% of your average weekly income, whichever is less. This means that you have paid a statutory maternity benefit for a total of 39 weeks. If you take 52 weeks off when you have your baby, you won't get SMP for the last 13 weeks.

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first six weeks90% of the average weekly wage
next 33 weeks£172.48 or 90% of your earnings, whichever is less
last 13 weeks(if you decide to take 52 weeks of maternity leave)You are not entitled to AMM

It is important to note that SMP starts when you go on maternity leave and not when you give birth. In general, the earliest you can start maternity leave is the 11th week before your due date, unless the baby is due earlier.

Some employers will pay a higher maternity pay – known as professional maternity pay or contractual maternity pay.

For example, the NHS pays for:

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first 8 weeksfull salary
next 18 weeksHalf salary plus statutory maternity salary
next 13 weeksstatutory maternity pay
last 13 weeksi don't pay

Ask your human resources department or check your contract terms to see if your employer is paying more than the SMP.

(Video) Planning Your Maternity Leave! How Much Time Should You Take Off?

How much maternity benefit will I receive and for how long? (1)

(Image credit: Getty Images)

Am I entitled to continued payment of maternity leave?

Statutory maternity pay (SMP) is the statutory minimum wage that all employers must pay you while you have a baby. You are eligible for AMM if you have worked for your employer for a certain period of time. You must also have an income above the minimum limit during this period. Finance expert Sarah Pennells explained: "To get it you need to have worked for your employer continuously for the past 26 weeks - that's six months - and earn an average weekly income of at least £123".

In theory, this should make calculations easier. However, as Sarah Pennells points out, the eligibility rules can be confusing. "It is like that becausesix months jobThis continues until the so-called "qualifying week". This is the 15th week before your due date and the date you should tell your employer that your baby is due. "

It is also important to note that your employer does not automatically pay your SMP. You must inform your employer that you are going on maternity leave to secure SMP. Sarah Pennells added: "The deadline to do this is 28 days before you intend to stop working, so let your employer know before then. You will also need to provide proof that you are pregnant in order to receive maternity pay. collect."

You can use the MATB1 certificate for this. You will usually receive this from your midwife or doctor around 20 weeks. If you don't get yours and your pregnancy is past that point, it's important to pursue it. Without this, you cannot receive maternity benefits.

If you are not entitled to statutory maternity benefit...

If you don't qualify for SMP, the good news is that there is still a safety net called maternity benefits. Maternity benefit pays 90% of your average weekly wage or £172.48 per week for 39 weeks, whichever is less.Laura SuterAJ Bell's head of personal finance explains: "You only need to have been employed or self-employed for six months in the last 15 months and have earned £30 or more for at least 13 weeks. Another way to qualify is if you pay non-work to your partner and he is registered as self-employed, although in this case you will only receive paid maternity benefit for 14 weeks."

If you are self-employed, the amount of your pregnancy benefit depends on your national insurance contributions. To get the full amount, you must be registered with HM Revenue & Customs for 26 weeks before the deadline and have paid Level 2 national insurance contributions for 13 weeks in the meantime.

(Video) Magkano ang makukuha mong SSS MATERNITY BENEFIT? How to compute SSS MATERNITY BENEFITS?

Do I have to pay taxes on my maternity leave salary?

Even though your living expenses may be reduced while you are on maternity leave, your maternity benefit will still be taxed. This means that if your gross annual income exceeds your personal allowance - £12,570 in tax year 2023/24 - youincome taxon top of.

Laura Suter, a personal finance expert, explains, “You still pay taxes on the maternity pay you normally receive. Income is affected.

The fiscal year runs from April to April. The earlier in the tax year you take maternity leave, the more likely you are to get maternity leaveincome tax refundYour tax code should be adjusted for your lowest income during the tax year you return to work. This means that you will not receive a tax refund.

Will I be paid full wages during maternity leave?

It is unlikely that you will receive full pay during your maternity leave. Although you can get close to that in the first few weeks. SMP guarantees that you will earn at least 90% of your average weekly income in the first six weeks. This only happens if you meet the eligibility criteria. Some employers offer higher maternity benefits, which may be equal to full pay. However, you will be very lucky if you are paid in full during your maternity leave. You can start with full pay, but you can drop to half pay during your maternity leave.

How much maternity benefit will I receive and for how long? (2)

(Image credit: Getty Images)

What happens if I get pregnant again?

If you become pregnant again during maternity leave, you are entitled to 52 additional weeks of maternity leave for the next child. Depending on your schedule, you may not even have to go back to work between each baby. However, what happens to your maternity benefit depends on how you are treated by your employer. Like Gary Wedderburn, consultantAcas, Consultancy, Mediation en Arbitrage, explained: "For the maternity salary contract, everything will depend on the conditions set by the employer".

If you're taking SMP, you should theoretically take it with your next pregnancy, even if you're still on maternity leave. However, you must demonstrate that you still meet the admission criteria.

(Video) How to Apply Maternity Pay And Leave , Full Process Of Maternity Allowance

Gary Wedderburn added: "Proving you are pregnant and giving sufficient notice is usually not a problem. Meeting the criteria of working at least 26 consecutive weeks to qualify for eligible weeks is also not a problem , as you will continue to be employed during leave and maternity leave , the average weekly wage of GBP 123 may be a problem If you are on paid maternity leave this counts towards the average wage If you are on unpaid maternity leave you may not earn the average income required to take a second break."

As long as you qualify, your SMP will have the same eligibility requirements as your first child. SMP rates did not decrease for additional children.

What happens if I decide not to go back to work?

During maternity leave, you can decide that you no longer want to work after a year off, ornot worth it financiallyThe good news is that you don't have to pay the compulsory maternity allowance. However, if you receive a pay raise for maternity leave, your employer may require you to repay amounts other than the SMP.

Or maybe you need to go back to work for a while. Check your contract or employee handbook to see how long it takes to return to work to keep the maternity leave pay raise.

Can I get maternity benefits if I lose my job?

If you are not working when you have your baby, you may still be eligible for maternity benefits. But that only applies if you have recently stopped working. To be eligible, you must have been working (or self-employed) for 26 of the 66 weeks before your due date. You also have 13 weeks, during which you earn an average of £30 per week.

If you do not qualify for SMP or maternity leave, you may be eligible for other benefits, such as Universal Credit.

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How long do you get maternity benefit? ›

How long is Maternity Benefit paid? Maternity Benefit is paid for 26 weeks (156 days).

How do you calculate maternity benefit? ›

Divide the total monthly salary credit by 180 days to get the average daily salary credit. This is equivalent to the daily maternity allowance. Multiply the daily maternity allowance by 60 (for normal delivery or miscarriage) or 78 days (for cesarean section delivery) to get the total amount of maternity benefit.

Is 6 weeks maternity leave enough? ›

Six weeks is the standard amount of time covered for short-term disability and pregnancy, but some plans allow more time if you've had complications or a c-section delivery. Many also cover pregnancy bed rest before birth.

How much do you get from SSS maternity benefit? ›

How Much is the Maternity Benefit in SSS for 2022? Eligible SSS members may receive maternity benefits of up to ₱80,000. The maximum benefit applies to members with a monthly salary credit (MSC) of ₱20,000 (those earning ₱19,750 and above per month).

Can I extend my maternity leave? ›

If you want to take more than a year off

You don't have a right to more than a year of maternity leave, but your employer might agree to let you take extra time away from work. Any extra time won't be classed as maternity leave, so you won't have your maternity leave rights for that time.

How do I check my maternity status? ›

To access your account on the Social Security System (SSS) website, click “My Account” and then enter either your registered email address or member number given to you when you joined SSS. After logging in successfully, look for a link labeled “Request Status” under “Requests & Inquiries”.

How much maternity pay will I get each month? ›

For the first six weeks, SMP is paid at 90% of your normal earnings in the reference period. For the next 33 weeks, it is paid at the same 90% of your normal earnings or the flat rate, whichever is lower.

Can I apply maternity benefit after giving birth? ›

Yes, a female employee can avail of maternity leave if live childbirth, miscarriage, or emergency termination of pregnancy occurs not more than fifteen 15 calendar days after the termination of her employment. Such period is not applicable when the employment of the pregnant worker has been terminated without cause.

How to compute maternity benefit 2023? ›

The calculation of the benefit involves multiplying the individual's average daily salary credit (ADSC) by either 105 days, in the case of normal delivery or cesarean section, or by 60 days in the case of miscarriage or emergency termination of pregnancy. For solo parents, an additional 15 days will be given.

Can I go back to work 3 months after giving birth? ›

While six weeks has long been the traditional timeline for rest and recuperation after a birth, the American College of Obstetricians and Gynecologists recommends ongoing postpartum care from birth to 12 weeks. Six weeks is also the standard recovery time allotted for childbirth-related short-term disability leave.

Can I go back to work 1 month after giving birth? ›

Most obstetricians would recommend a woman to wait for 6-12 weeks before resuming work after childbirth as this is the time required to recover physically and mentally from the pregnancy journey.

Is 2 months maternity leave enough? ›

More than 12 weeks is needed for an adequate maternity leave, according to Dr. Bovone. “Many issues that need assistance are not even apparent until three to four months after delivery,” she says.

How can I get 70k SSS maternity benefits for employed? ›

Submit your Mat-1 form: Submit your Mat-1 form to your employer or directly to the SSS at least 60 days before your expected date of delivery. Make sure to get a copy of your stamped and approved Mat-1 form. Give birth: Give birth on your expected date of delivery or within the approved period of your maternity leave.

How do I notify SSS for maternity? ›

6. When filing for maternity benefit, attach the duly received MN or "Maternity Notification Submission Confirmation" (if MN is filed thru the SSS Website or thru SSIT) to the Maternity Benefit Reimbursement Application. 1. Receipt of MN does not guarantee payment of maternity benefit.

How can I get monthly salary credit in SSS? ›

For Self-Employed Members
  1. Look for your monthly income bracket on the Range of Compensation column.
  2. Go to the rightmost column of the Monthly Salary Credit section, then get your corresponding MSC.
  3. Use this formula to compute your monthly contribution: MSC x Contribution Rate = Monthly Contribution Amount.
Jun 29, 2022

What is the best reason to extend maternity leave? ›

A longer paid maternity leave helps new moms heal and adjust physically, emotionally, and mentally to the new normal. As mentioned above, breastfeeding offers benefits for the mother's health. It's also not uncommon for moms to develop postpartum blues or clinical depression after giving birth.

Can you take maternity leave twice in a year? ›

Yes, you are entitled to a further period of up to 52 weeks' maternity leave for your new pregnancy. It does not matter how many periods of maternity leave you have taken or whether they overlap or not. When can I take my new maternity leave?

What to do if you want to extend maternity leave? ›

If you haven't yet taken your full 52 weeks, you may be able to extend your maternity leave to a year. Speak to your employer to discuss extending your maternity leave to the full 52 weeks.

How do I confirm my maternity leave letter? ›

Dear [name of employee], Thank you for telling me about your pregnancy and the date that your baby is due. This letter is just to confirm the details of your maternity leave and pay.

When should I submit my maternity notification? ›

tep 1 should be done within 60 days after you confirmed your pregnancy.

What's next after maternity notification? ›

Once your employer receives your notice, they are then tasked to forward your form and proof of pregnancy to SSS. This can be done over the counter at an SSS branch, or online through the SSS Website ( 2b. For Unemployed, self-employed, and voluntary members: Notify the SSS directly.

What is 15 weeks before due date? ›

How do I work out the 15th week before my baby is due? Find the Sunday before your baby is due (or the due date if it is a Sunday) and count back 15 Sundays from there. That is the start of the 15th week before your expected week of childbirth.

How do you calculate average weekly earnings? ›

To calculate the average weekly wage, divide the annual salary by 50 working weeks. This formula assumes a standard 50 workweek year.

When should I go on maternity leave with twins? ›

Mums-to-be of twins usually start their maternity leave at 26 weeks. But it will also depend on your health, how well your pregnancy is going, and the type of work you do. Talk to your line manager or HR department if you need to leave earlier than 26 weeks, if, for example, you have complications with your pregnancy.

What happens if you don't return to work after maternity? ›

If you decide not to go back to your job, your contract will tell you how much notice you need to give your employer. If there's nothing in your contract, you need to give at least a week's notice. Make sure you get paid for any holiday you have left - including the time you built up while you were on maternity leave.

What is the SSS maternity benefit for 2023? ›

In the Philippines, the Social Security System (SSS) provides maternity benefits to female members who have paid at least three monthly contributions before their pregnancy. Starting 2023, female members can avail of a maximum of Php 80,000 in maternity benefits.

When should I tell my work I am pregnant? ›

There's no right or wrong time for when to tell your boss you're pregnant, but most women wait until shortly after their first trimester – when the chance of miscarriage has decreased significantly – and before their pregnancy has started to noticeably show.

How do I write a letter for maternity leave? ›

Dear [Name], This letter is to inform you that I am pregnant and plan to take maternity leave. My due date is [date] and I plan to continue working until [date or suggest working from home until your due date or delivery]. I plan to take [number] weeks of maternity leave.

How much notice do you have to give to return from maternity leave? ›

If you wish to return earlier, for example, when your Statutory Maternity Pay ends, you must give at least eight weeks' notice. If you don't, your employer can insist that you don't return until the eight weeks have passed.

How many mothers return to work after maternity leave? ›

Over 50% of women return to work after their maternity leave. Most women feel guilty about returning to work.

Why take maternity leave early? ›

Reasons to take early maternity leave

If you're experiencing stress or burnout, I would say it absolutely makes sense to take your leave early,” Martinez says. “You need to be ready to take care of a new life and that may mean leaving the week before you're due in order to have time for yourself.”


1. How to Compute SSS Maternity Benefit? (Y2021 UPDATED VERSION)
2. Calculate your maternity pay or benefits on GOV.UK
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3. Ilang araw macredit sa Disbursement Account ang SSS Maternity Reimbursement? 2023 update mabilis na!
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4. 5 Easy Steps to Compute your SSS Maternity Benefit by Mommy Ruth
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5. How to get Maternity Benefits in Canada 🇨🇦
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6. Do you get paid to take maternity leave| Maternity leave entitlement| How much will you get| Saima
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