need advice for a friend - she is basically considered self employed and is due a baby in june, just found out from her agency that she is not entitled to any mat pay except statutory, which she says she cannot survive on, she is talking about going back to work when the baby is only 2 wks old (at the most!) and im worried about her, its getting her down
she is trying to think up other ways of raising money, benefit entitlements (she says she will tell her dp to go live somewhere else so she can get lone parents benefit even), etc etc
NP. when you say she is 'basically considered self-employed', is she ACTUALLY self-employed? Is she paying her own income tax and NI? Does she qualify for any benefits such as holiday pay, sick pay etc? I don't know the legal position but I would imagine if she is receiving any employer benefits such as above then perhaps she isn't actually self-employed.
If she is self-employed then, yep, she gets £102 or whatever for 6 months.
But like Enid says if she can't manage on that she would probably be entitled to other benefits. WTC and CTC aren't limited to employed people. (Tho the forms are flippin' difficult to fill in if you are self-employed.)
I am actually technically a Limited Company (very Limited as I am only five foot tall) so the arrangements for dd2 were slightly different from dd1 (when I was still self-employed) but the net result of not very much money was the same.
If she works for an agency there should be something in her contract that tells her what she's entitled to if she goes on maternity leave. Again, I'm not an expert but I know that if you are self-employed yet only work for one employer the Inland Revenue will consider that you are in fact employed, not self-employed, therefore ineligible for all the lovely tax benefits that we self-employed people get <insert ironic grin emoticon>.
I had to claim Maternity Allowance, there is a huge backlog, so I received about 2 months worth in one go, but obviously 2 months later.
IIRC, you cannot work whilst claiming this, so if she did go back to work, she would lose out on the rest.
It works like SMP, so claim from 11 wks before etc.
I've been self employed for 3 years and it seriously pisses me off that all you get in the stat minimum. If I get pregnant again I will have to save to be able to even pay the bills while I'm off and there's not a hope in hell of being able to take 1 year off.
Hi KR, I hope that you don't mind me posting on this thread. I run two limited companies and it basically means that the liability is only limited to the assetts within the business, so as foofoo says below, means that this has no impact on my personal assetts