Maternity

Although a baby is a welcome arrival, it can put a financial strain on your family.

This may be because your income is reduced or just the added costs of another mouth to feed.

If you are struggling to pay your household bills or debts you will benefit from using our online debt counselling service, which will provide you with the most appropriate solution to your debt problem. Alternatively contact our free Helpline on 0800 138 1111.

In the mean time you may find some of the following tips useful.

Benefit entitlement

Check your benefit entitlement. You will be entitled to claim Child Benefit when your baby is born and may also be able to claim additional tax credits. You can find out about maternity pay and what you are entitled to by speaking to your employer.

Sure start maternity grant

If you have a low income or receive benefits you may be entitled to a Sure Start Maternity Grant. It pays a lump sum of £500 to go towards the cost of the baby. You must apply for the grant between 11 weeks before the baby is due and up until the baby is 3 months old. As it is a grant, you won’t need to pay anything back.

If we haven’t answered your question please contact us and one of our advisors will be able to help you.

FAQs

How can I find out what benefits I can claim?

England and Wales > Life changes > Health

You may be entitled to some government benefits to help increase your income. You could speak to your local benefits office or visit Entitled to, a government website with a benefits calculator. If you are struggling to pay your debts and would like advice on benefits please call our helpline. One of our specialist benefit advisors will be able to check if you are entitled to any benefits.

What is payment protection insurance?

England and Wales > Life changes > Health

Payment protection insurance (PPI), is insurance that will pay out a sum of money to help cover your monthly repayments on your debt you took it out for if you are unable to work. This could be because you have an accident or sickness, or become unemployed through no fault of your own. Some payment protection policies will pay the debt off if you die.

How do I claim child benefit?

England and Wales > Life changes > Maternity

To claim child benefit, you need to apply. You will get a copy of the form in the ‘bounty pack’ that is given to new mothers in hospital or can download a copy of the form online from HM Revenue & Customs. Child benefit is only backdated for 3 months, so it is important to put your claim in as quickly as possible.