And @swissmodel* while you say you're a business owner, you didn't seem to understand that companies can claim back SMP payments and are under no obligation to offer more than that statutory pay in contracts. It's business, not personal.
If a business doesn't have the financial foresight to understand SMP and factor in contingencies for recruitment / temp staff, or if one employee taking statutory maternity would cripple the company... then the business isn't robust enough to employ contracted staff.*
It was never about the ML money but about the hassle. I recently had to hire a skilled new employee in a key position, and I spent many hours on that. There was advertising the vacancy (a cost that isn't reimbursed by HM's government), vetting the potential candidates, interviewing and more.
I offered a really attractive remuneration package for the very reason that I don't wish to have to go through this again in the very near future. But to do all this for a temp replacement, I'd find that extremely unfair.
Previous posters have accused me of being discriminatory. I'm absolutely not. That is to say I don't discriminate on the basis of any prejudice. As I wrote earlier, every single one of my employees ever belonged to at least one minority group. That wasn't done on purpose, but they happened to be the best candidates. But the point is I don't discriminate on arbitrary characteristics.
However, and this is the key, I do only want to hire those who I think will be best for my business and those who will probably cause the least wobbles. So if there is someone who, statistically speaking, will take far more days off or will not be able to commit etc, it just makes sense for me to hire a different candidate.
Anyone who claims they would do otherwise is either virtue-signalling or lying.