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I don’t qualify for either occupational maternity pay or SMP. I am eligible for Maternity Allowance. Can I choose to take one year unpaid maternity leave from one NHS trust, not take the government MA and instead just locum in another NHS trust where I have worked before because the MA is simply not enough to pay bills and mortgage?
There are a few potential scenarios here; two of them will be relevant if both your employers were in place before birth and one applies where an employer is new after the birth.
If you worked for two or more employers during the 15th week before the expected week of childbirth (qualifying week) you can return to work for either of them without affecting her SMP entitlement from the other. There are two situations here:
If you start work with a new employer after the baby is born, your maternity pay entitlement will cease completely. You will have no right to maternity pay in the week in which you start the new job, or in any subsequent week from any employer.
Work done in “new” employment which commenced before the birth should fall into the category above on “existing employers” though and shouldn’t affect maternity pay entitlement.
A point that may be relevant to this scenario from what I understand of the situation is continuity of service. You say you are already working for the second employer on a zero hours’ contract, which would mean the position would be as I’ve described under “existing employers” above. However, I would just suggest a check on continuity of service i.e. that it remains intact from any work done prior to childbirth – I don’t know how long ago you last worked for this employer and whether you remain under contract. The implication of a break in continuity of service is that your “old employer” could become a “new employer” and your entitlement to maternity pay would cease. It’s obviously important that you are sure that the employer you plan to do work for post birth will be classed as an existing employer.
Another point is that you can’t start work again until the period of compulsory maternity leave (two weeks for most) is at an end.
*Marie Horner is an experienced senior employment law specialist at ALT Legal in Wetherby. She is also CIPD qualified in HR management.