Maternity cover staff absence insurance

Understanding Maternity Cover

Maternity leave isn’t something that you can predict. That’s why it’s so important to know how exactly it can impact your budget and how insurance can help you to reduce this shortfall.

Use our Maternity Leave Calculator to help calculate the shortfall on individual salaries. 

What are my staff entitled to?

Amount of leave
A statutory minimum of 52 weeks, regardless of their length of service or hours worked. However, the last 13 weeks are unpaid.

Amount of money
This depends on the terms and conditions of their employment and eligibility for maternity pay. Entitlement is usually through Occupational Maternity Pay (OMP) and Statutory Maternity Pay (SMP).

How much money your establishment can claim back

You can claim back SMP through reduced NI payments. However, the proportion varies depending on the amount of NI paid. It’s currently 103% SMP if your NI payments are £45k or less per year, or 92% of MP if they are more than £45k.

What does the cost to my school look like?

Use our Maternity Leave Calculator to help you calculate the shortfall on individual salaries of staff at your school. 

When will I get paid?

We want you to benefit from your policy at the time when you need the money the most. That’s why we offer options that don’t leave you waiting around until your member of staff returns to work – we’ll still pay out even if you don’t renew.

Protecting against potential costs

We have specialist policies designed to help you bridge the potential maternity pay. But it doesn’t stop there, we can also help with paternity and adoption leave. If you have any questions, simply contact us and a member of our team will be happy to help.



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