Dear overwork
Thank you for your enquiry.
SMP for your bank contract
Firstly, it is possible to qualify for Statutory Maternity Pay (SMP) from two jobs, if you meet the qualifying conditions in each job. You can qualify for SMP for 'bank' work and you have mentioned that you are paid through PAYE with tax/NI deducted at source in relation to this job and that your earnings are more than the lower earnings limit (currently £123pw).
The eligibility requirements for SMP are as follows:
· you have been employed for 26 weeks continuous service ending with the 15th week before your expected week of childbirth;
· you are still employed in the same job in the 15th week before your baby is due – even if it’s only for one day or part of a day in that week – this includes sick leave or annual leave; and
· your average earnings were at least £123 per week in the eight weeks (if you are paid weekly) or two months (if you are paid monthly) up to the last pay day before the end of the 15th week before your baby is due.
If you do 'bank' or agency work you can still meet the continuous service requirement if you are registered with the agency/bank for the first 26 weeks of your pregnancy and you were available for work in each week. You do not need to have worked in each week for it to count. If you turned down an offer of work it will break your continuity of employment but if no work was offered or you were unable to work because of illness, injury, agreed annual leave or maternity leave it will not break your continuity of employment.
Your 'employer' for SMP purposes is whoever is liable for your national insurance contributions in your bank job. You have mentioned that you have a separate employee number and I assume that you are working for your Trust's bank. If that is the case and you have already given notice to your Trust in relation to your permanent job, it is not clear whether they have considered your eligibility for SMP separately for your 'bank' work. If your 'bank' is different to your Trust you should give the bank your MATB1 maternity certificate and ask them to look at your entitlement to SMP as it seems possible that you can get SMP for your bank work.
If you work for your Trust's bank, you may want to show them this Government guidance on SMP which states:
www.gov.uk/government/publications/maternity-benefits-technical-guidance/maternity-benefits-technical-guidance
3.6 More than one employer
If you have more than one employer, you may be entitled to SMP from each one (so you could get more than one lot of SMP). The same is true if you have more than one contract with the same employer, if your NI contributions are paid separately for each contract.
It also states
3.8 More than one contract with same employer
You may also be entitled to more than 1 lot of SMP if you have separate contracts with the same employer. You can start your SMP at different times in relation to each contract.
If your employer is refusing to pay SMP for your bank work and you think you have qualified for it based on the above, you can contact HMRC Statutory Payments Disputes Team on 0300 322 9422 to ask for a formal decision. You must contact HMRC within 6 months from the start of your SMP period. HMRC will ask you and your employer for more information about your bank work. If HMRC decide that you are eligible for SMP they will order your employer to pay it.
If your employer decides that you are eligible for SMP (or HMRC orders it) in relation to your bank work, you can start your SMP earlier or later in respect of your bank work, you do not have to take maternity leave at the same time in each job. You can also work for up to 10 keeping in touch days without losing your SMP if your employer/bank is willing to offer work which I will cover below.
NHS occupational maternity pay
The general position is that occupational (otherwise known as enhanced) maternity pay is a benefit to you and as such, it is subject to the employer’s rules and decisions. It would therefore be up to your employer whether or not they count your earnings from your bank shifts as part of your occupational maternity pay in accordance with its policies.
If the occupational maternity pay provisions are expressly incorporated into your contract of employment, the employer will need to comply exactly with these provisions and won’t have any discretion. I recommend that you check your contract of employment to see whether it expressly commits your employer to any terms which might be beneficial to you.
NHS occupational maternity pay is based on service as an 'employee' so it may only include your earnings from your permanent job. The NHS maternity policy is available online here at section 15: www.nhsemployers.org/publications/tchandbook
Unfortunately, most bank work, even where you are employed by your own Trust's 'bank' is not classed as 'employee' service as you will usually be classed as a 'worker' when doing bank/agency work. However, if you have a written bank contract, you should check what it says about your employment status and get further advice if you think you are an employee.
You can request that your bank work is considered in calculating what you receive in for occupational pay, however, this will be at the discretion of your employer. If NHS maternity pay is refused because of breaks in service or because you worked on insecure contracts such as agency or bank work, you will need to write to the Trust setting out your NHS service and ask them to exercise their discretion under s. 15.109 of the NHS policy and ask them to take into count other previous NHS service or service with other employers.
Keeping in touch days
In terms of working whilst on maternity leave, you can work for up to 10 “keeping-in-touch days” (KIT days) without bring your maternity leave or pay to an end. Unfortunately you cannot insist on KIT days as it is up to the employer if they wish to offer them and up to employees whether they wish to accept them. Please also see section 15.65 of the NHS policy on KIT days.
It may be worth noting that where an employer has provided occupational maternity pay they can sometimes be reluctant to provide KIT days as the purpose of well paid maternity leave is to enable to an employee to benefit from the time off. Employers also sometimes object to their employee continuing to work in a second job if they are paying enhanced maternity pay but as long as there are no restrictions on taking a second job in your contract, or in the employer's maternity policy in relation to their provision of enhanced maternity pay, they cannot prevent you working in a second job during maternity leave as long as it's within the rules which I'll set out below.
As long as your bank contract is a completely separate contract, even though it is for same employer as your permanent job (for which you are getting enhanced maternity pay), the rules on working during maternity leave are as follows:
- if you get SMP from both jobs - if your bank is willing to offer KIT days and you qualify for SMP separately in respect of both of your jobs, you can work for 10 KIT days (in each contract) without losing your SMP. As mentioned above, you can also start your SMP at different times in each job so you may be back at work in one job and on maternity leave in the other job. Equally, if you want to return to work earlier in one job, you can give 8 weeks' notice to end your maternity leave in one job and continue on maternity leave in the other job.
- if you only get SMP from one job - if you are not eligible for SMP in respect of your bank work but you are employed by the bank in the 15th week before your baby is due (the qualifying week), you can continue to work under the bank contract without it impacting on your SMP/enhanced maternity pay in your other contract. This is also set out in the Government guidance above at section 3.12 which you you can show your employer which states:
'
'3.12 Working in your Maternity Pay Period
If you are getting SMP from one employer and, before your baby is born, you do some work for another employer, your SMP is not affected.
Your SMP will stop if after the baby is born, but before the end of the Maternity Pay Period, you work for an employer who did not employ you in the qualifying week.'
This confirms that you can work for an employer who employed you in the 15th week before your expected week of childbirth, and it will not affect your SMP under your other contract with the employer.
I hope the above is helpful. Wishing you all the very best.