Maternity Allowance: What Self-Employed People Should Know

Self-employed individuals in the UK don’t usually qualify for Statutory Maternity Pay (which is paid via employers). Instead, many can apply for Maternity Allowance, a benefit designed to support those who work for themselves during pregnancy and after childbirth.

You may be eligible for Maternity Allowance if, in the 66 weeks before your baby’s due week (the “test period”), you were self-employed (or employed) for at least 26 weeks, and in at least 13 of those weeks you earned £30 or more (before tax). Being registered for self-assessment and making National Insurance contributions during that time often plays a key role in eligibility.

If granted, Maternity Allowance is paid for up to 39 weeks. For most, it’s a standard rate (for example, around £172.48 per week), though in some cases you may receive 90% of your average weekly earnings for the first six weeks, if that amount is higher (subject to caps).

To claim, you must complete the MA1 claim form (online or by post) and provide evidence of your earnings, self-employment status, and the baby’s due date (usually via your MAT B1 certificate from a doctor or midwife). It’s best to submit your claim early—up to 11 weeks before your due date—to ensure you don’t lose any entitlement.

While receiving Maternity Allowance, you are allowed to do up to 10 “keeping-in-touch” days of work. If you exceed that, your allowance may be reduced or suspended, depending on the circumstances. You also must declare any changes in your circumstances promptly.

Conclusion

Maternity Allowance offers a lifeline for self-employed parents who cannot access Statutory Maternity Pay. It enables up to 39 weeks of support, subject to eligibility based on self-employment and National Insurance history. Applying early, keeping rigorous records, and following the rules around work during the allowance period will help you secure the support you deserve.