Expecting a baby is one of life’s most joyful moments, but it also brings financial responsibilities. In the UK, maternity pay is designed to support parents so they can focus on their newborn without worrying about income. In 2025, the government has revised pay rates and eligibility rules to better assist working mothers. Knowing your entitlements and the claiming process will make planning your maternity leave smoother and less stressful.
What is Maternity Pay?
Maternity pay is financial support provided to women who are taking time off work due to childbirth. Its purpose is to allow mothers to focus on recovery and caring for their baby while maintaining a source of income. There are two main types of maternity pay in the UK:
- Statutory Maternity Pay (SMP): Paid by your employer if you meet specific employment conditions.
- Maternity Allowance (MA): Claimed through HMRC for women who do not qualify for SMP, such as those who are self-employed or have recently changed jobs.
This system ensures that almost all new mothers can access some form of financial support during maternity leave, providing stability and peace of mind.
Eligibility Criteria for Maternity Pay
To receive Statutory Maternity Pay in 2025, you must meet the following conditions:
- You have been employed continuously for at least 26 weeks by the 15th week before your expected due date.
- You earn a minimum of £123 per week on average.
- You inform your employer about your pregnancy and intention to take maternity leave.
- You provide a MATB1 certificate issued by your midwife or doctor.
If you do not meet these requirements, Maternity Allowance through HMRC may still be available, ensuring financial support for nearly every new mother.
Statutory Maternity Pay Rates in 2025
In 2025, Statutory Maternity Pay has been updated as follows:
- First 6 weeks: Paid at 90% of your average weekly earnings.
- Remaining 33 weeks: Paid at £187.18 per week or 90% of your average weekly earnings, whichever is lower.
Employers pay SMP directly and can reclaim most of it from HMRC. These updated rates are intended to help working mothers cover everyday expenses, childcare costs, and other necessities while on leave.
Duration of Maternity Pay
Eligible employees can receive SMP for up to 39 weeks:
- 6 weeks at 90% of average earnings
- 33 weeks at £187.18 per week or 90% of earnings
Some employers may offer enhanced maternity packages with higher pay or additional leave benefits. Understanding the full duration of maternity pay helps parents plan their finances, schedule leave, and prepare for the early weeks with their newborn.
How to Claim Maternity Pay
- Notify your employer of your pregnancy and expected due date.
- Submit a MATB1 certificate from your doctor or midwife.
- Provide written notice of when you intend to start your maternity leave.
- If eligible for Maternity Allowance instead, apply through HMRC online or by post.
By following these steps, parents can ensure they receive the financial support they are entitled to without unnecessary delays.