Have you asked for enhanced Mat pay?

[iwasgonnasay]

I work for a small, family run company which has grown tremendously in comparison to when I started in 2010 and financially does very well. I am the longest serving employee who isn't a relation to the owner. I am also the only one who has been on mat leave. The first time, I didn't realise how bad stat mat was, and it crippled us financially. Some years later we have found ourselves surprisingly expecting again. I am only entitled SMP - 6 weeks 90% and £187 p/w thereafter. I want to ask them to consider enhanced mat, to allow me to take 3-6 months mat leave without the financial stress of last time, and allowing me to cover the childcare costs I will then have to find until any free hours kick in the term after 9 months. Of course they're not obligated to do this, I understand that. I would just like to hear from anyone who has asked the question, successful or otherwise and know:
How did you broach it?
What was their response / overall outcome?
Do you wish you'd not asked / asked differently?

allowing me to cover the childcare costs I will then have to find until any free hours kick in the term after 9 months

why are you the one that needs to cover childcare costs?

I have no personal experience of this but many (most?) companies offer some kind of enhanced maternity package. I would look at competitors to the business you work in and see if you can find anything on their websites re what they offer in terms of maternity leave so if/when you raise the issue you can point to it being market practice to offer more than statutory maternity pay.

i did op and was successful

same vibe family business and I was there years!!

management super nice and they really valued me -

I was just honest about it and said look I’m gonna struggle on stat maternity pay and is there any way they were open to a possibility of a better package and I had examples of what other companies offer etc

i ended up getting 5 months full pay

and I came back both times and remain there now

I approached it with the owners and we agreed on a return to work bonus which seemed a fair compromise.

Approach it as a business case.

Enhance mat pay tops up statutory so for the first 6 weeks it’s only 10% to top up. The next 20/33 weeks is £x amount to top up. Also look at KIT days if you space these out you maximise your net pay.

Look at your total reward package i.e. not just salary and work out the total £ values then add in occupational mat pay and work out the % of the package over the 16 years you have worked for them vs retention, added value etc.

No they really don't, I mean public sector do and some bigger private sector do but most people don't get enhanced mat pay.

I know of a situation where the organisation was unable to recruit mat cover and the employee on mat leave asked if she could be paid then as the salary wouldn't be being used - the answer was no. They have a policy and they need to apply it fairly to everyone. They can't pick and choose.

If you don’t ask you don’t get, but the few times I’ve been aware of employees asking at the companies I’ve worked at, it’s been declined without discussion.

Assuming I were off 6 months, I would then have to pay nursery fees to until free hours kick in - believe this will be September 27 as due Nov 26

Well presumably her husband isn’t getting a pay rise for the fact his wife is on maternity, so between them they’re going to need more money to fund it.

While I hate the idea that it’s women who solely pay for childcare, it’s annoying when people pick up on the “I” in these scenarios.

DH and I have entirely joint finances and I will still say things like “I’ll ask for a pay rise this year to fund the extension”. I’m not paying for it alone, but if I have the ability to bring extra money into the house to fund our joint costs then I will, and so will he.

It doesn’t mean she and she alone will be funding childcare costs, but she probably does need to help fund them.

Sorry yes same as @WheretheFishesareFrightening we have completely joint finances. We have 1 account everything goes into and everything comes out of. So any "I" is we.