Self Employed
Being self-employed has many benefits, including the freedom to work when and where you want and total autonomy in your work. You can even say goodbye to office politics! The flipside is that, when it comes to pregnancy, suddenly this independence can seem daunting and lacking in financial security.
Thankfully this isn’t necessarily the case. If you’re self-employed in the UK, you’re entitled to paid maternity leave of up to 39 weeks as long as you fulfil certain criteria. Read on to find out what you need to do and how much self-employed maternity leave pay you can expect.
Do you get maternity leave if you’re self-employed?
Luckily the answer is yes! Despite being a magical time, pregnancy can also be scary if you’re self-employed–who is going to pay for all the expenses and cover the costs of your maternity leave? For those in employment, Statutory Maternity Pay (SMP) is a mandatory payment made by your employer for a fixed amount of time – 39 weeks.
Without this security, what maternity rights can the self-employed worker expect in the face of an upcoming pregnancy? The good news is that Maternity Allowance is a statutory maternity benefit that was specifically set up to assist pregnant freelancers.
How can you find out if you’re eligible for paid maternity leave when self-employed?
First things first, head over to https://www.gov.uk/maternity-allowance/eligibility and fill in the maternity entitlement calculator. We found this a useful and simple-to-use resource. Bear in mind that the Test Period is the basis for your eligibility assessment, which is the 66 weeks prior to your baby’s date of birth.
For the full compensation, you need to meet the following criteria:
- You’ve been self-employed for at least 26 weeks.
- You’ve paid Class 2 National Insurance for at least 13 of the 66 weeks (your Test Period) before your due date.
- At least £30 a week was earned for over 13 of these employed weeks. (Important to know, if you’ve done any paid work during a given week of your Test Period, it will count as a full week. So even if you only worked for a day and a half in a seven-day period, it registers as a week’s work. And these working days don’t need to be consecutive. Meaning that working for a day one week and two days the next week would register as two weeks’ work in your Test Period.)
- Remember, you’re only eligible if you’re not claiming Statutory Maternity Pay from an employer.
Don't despair if you're late
What if you have fallen behind with your National Insurance payments? Don’t panic! You can contact HMRC and organise to pay a top-up of your contribution to NI. Hence, bringing you in line with the criteria above.
Another issue that can happen is if you have filed your tax return but not yet actually paid the outstanding amount. (For example, if you file your return in October, payment is not due until 31 January at the latest).The solution is to issue an advance payment to the National Insurance office. Then sit back and rest easy that you have fulfilled the criteria for Maternity Allowance.
How do you apply for paid maternity leave when you’re self-employed?
Luckily for the nappy-brained among us, the government has made maternity benefits easier to apply for. Download an MA1 claim form, fill it in and send in your application. Jobcentre Plus will even send one in the post if you can’t download or print a copy at home. The form is self-explanatory, with helpful notes and examples to keep it simple–well, simple-ish–it’s still a government form.
Once you know your maternity leave rights, you can apply for Maternity Allowance and get your claim started from as early as 26 weeks. In fact, it’s worth getting started with the form as soon as you can. It’s a whopping 50 pages long, so you’ll need time to read and digest the contents and get your supporting documentation together. All of which can seem daunting when you are also facing morning sickness and pregnancy exhaustion.
The Department of Works and Pensions will take about five weeks to reply. During that time you will probably have questions, so allow yourself time to respond.
