What is Maternity Allowance?
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In short: Maternity Allowance is a DWP payment for up to 39 weeks if you cannot get Statutory Maternity Pay — typically if you are self-employed, recently changed jobs, or earn below the Lower Earnings Limit. The standard 2026/27 rate is £194.32 a week or 90% of average weekly earnings, whichever is less.
Content updated:
SMP is paid by your employer if you have 26 weeks’ service by the 15th week before the due date and average earnings of at least £129 a week (2026/27). If you fail either test, claim Maternity Allowance on form MA1 from 26 weeks pregnant. Official: www.gov.uk/maternity-allowance
Self-employed parents usually need Class 2 NI in the 66 weeks before the due date for the full rate. Unpaid work in a spouse’s business can qualify for a lower 14-week rate. Maternity Allowance is taxable and counts as income for Universal Credit.
Full comparison with SMP: Maternity Allowance explained. Steps: how to claim Maternity Allowance.
Primary source: gov.uk/maternity-allowance
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