A Complete Guide for New Mothers
Welcoming a child is one of the most exciting moments in life, but it also brings important financial considerations. For working women in the UK, Statutory Maternity Pay (SMP) provides essential support during maternity leave. Whether you’re preparing for your first baby or expanding your family, understanding how SMP works can help you plan your finances with confidence. This blog breaks down everything you need to know eligibility, payment structure, how to claim, and what to expect during your maternity period.
What Is Statutory Maternity Pay?
Statutory Maternity Pay is a government-backed financial benefit paid by employers to eligible employees during maternity leave. SMP helps replace income while you take time off work to care for your newborn. It is different from Maternity Allowance, which is available to women who do not meet the SMP requirements.
SMP ensures that expectant mothers receive a stable income for up to 39 weeks, helping them focus on their health, recovery, and bonding with their baby.
Who Is Eligible for SMP?
Not everyone automatically qualifies. To receive Statutory Maternity Pay, you must meet these key conditions:
1. Employment Status
You must be an employee, not self-employed. Workers on PAYE contracts, including part-time and agency workers, may qualify if the employer deducts tax and National Insurance.
2. Length of Employment
You must have worked for the same employer for at least 26 weeks by the end of the 15th week before your baby is due. This is known as the “qualifying week.”
3. Earnings Threshold
Your average weekly earnings must be at least £123 per week (before tax). These earnings are calculated over a specific 8-week period before your qualifying week.
4. Proper Notification
You need to inform your employer at least 15 weeks before your due date, providing a valid MATB1 certificate from your midwife or doctor.
If you meet all these criteria, your employer is legally required to pay you SMP.
How Much Statutory Maternity Pay Will You Receive?
SMP is paid for up to 39 weeks, divided into two phases:
Phase 1: First 6 Weeks
You receive 90% of your average weekly earnings (before tax).
This ensures that you begin your maternity leave with a strong financial base.
Phase 2: Next 33 Weeks
You receive £184.03 per week (2024/2025 rate) or 90% of your average weekly earnings—whichever is lower.
Employers pay SMP in the same way they pay your salary—weekly or monthly—and deduct tax and National Insurance as usual.
Can You Work During SMP?
During maternity leave, you are allowed to work up to 10 “Keeping in Touch” (KIT) days without affecting your SMP. These days allow you to attend training sessions, team meetings, or help with essential tasks. You decide whether to use them, and payment for KIT days is agreed upon with your employer.
However, working more than 10 KIT days may affect your entitlement, so always discuss arrangements clearly.
What Happens If You Don’t Qualify?
If you’re not eligible for SMP—perhaps because you haven’t worked long enough or your earnings are too low—you may still claim Maternity Allowance through Jobcentre Plus. Many women, especially freelancers or those who recently changed jobs, qualify for this alternative support.
How to Apply for Statutory Maternity Pay
Applying for SMP is straightforward:
- Tell your employer no later than 15 weeks before your due date.
- Provide your MATB1 certificate, usually given by your midwife after 20 weeks of pregnancy.
- Agree on your maternity leave start date, which can begin as early as 11 weeks before the due date.
Your employer will confirm your SMP amount and schedule in writing. If they refuse your SMP application, they must give you form SMP1 explaining the reason—this allows you to apply for Maternity Allowance instead.
Your Rights During Maternity Leave
Receiving SMP doesn’t affect your employment rights. You are entitled to:
- 52 weeks of maternity leave (26 weeks Ordinary + 26 weeks Additional Leave)
- Protection from discrimination due to pregnancy
- The right to return to the same or a similar job
- Accrued holiday during your leave
Your pension contributions and other benefits may also continue depending on your employment contract.
Final Thoughts
Statutory Maternity Pay is crucial financial support that allows new mothers to step away from work without worrying about their income. Understanding what you’re entitled to—and how to claim it—ensures you can focus on what truly matters: a safe pregnancy, recovery, and bonding with your baby.
If you’re expecting, now is the perfect time to review your employment rights, notify your employer, and plan ahead. SMP is there to help you transition into motherhood with greater confidence and peace of mind.