How Much Can You Receive from Your Maternity UIF Claim and How Long Will It Take?

Expecting a baby is one of the most exciting and life-changing events in any parent’s life. As an employee, planning for your maternity leave and understanding your financial rights during this period is equally important. In South Africa, the Unemployment Insurance Fund (UIF) offers maternity leave benefits to qualifying employees, ensuring that they receive financial support while they are on maternity leave.

This article will delve into the details of how much you can expect to receive from the UIF, the duration of the payments, when you can start claiming, and how long it takes for you to receive your payments.

What is UIF and Who Qualifies for Maternity Benefits?

The Unemployment Insurance Fund (UIF) is a government program that provides short-term financial relief to workers in South Africa. Employees who contribute to UIF are eligible for various benefits, including maternity leave, unemployment, illness, and adoption benefits.

To qualify for maternity UIF benefits, an employee must meet the following criteria:

Contributions to UIF: The employee must have been contributing to UIF for at least 13 weeks before going on maternity leave.
Maternity Leave: The employee must be on maternity leave due to childbirth.
Less than Full Salary: The employee must be earning less than their normal income during the maternity leave period. For instance, if an employee is paid a full salary during maternity leave, they will not be eligible for UIF benefits.

The UIF is designed to assist employees who face financial difficulties while taking time off work due to pregnancy and childbirth. However, not all employees are eligible for maternity UIF benefits. For example, those who are working on a casual or temporary basis may not qualify for these benefits, depending on their work contracts.

How Much Will You Receive?

The amount you will receive from UIF maternity benefits depends on your monthly salary. The percentage paid out is determined on a sliding scale, and the lower your salary, the higher the percentage you will receive. On the other hand, higher-income earners may receive a smaller percentage of their monthly salary as part of the UIF benefits.

UIF Payment Calculation

In South Africa, the maternity UIF benefit is calculated based on your average salary over the last six months before you go on maternity leave. The UIF pays between 38% and 58% of your monthly salary, with the amount increasing the lower your salary.

Higher Salary = Lower Percentage: If you earn a higher salary, you may only receive 38% of your monthly income.
Lower Salary = Higher Percentage: If your salary is lower, you may receive up to 58% of your monthly income.

Payment Caps

The maximum salary used for calculating UIF benefits is capped. As of 2025, this cap is between R14,782 and R14,872 per month. This means that if you earn R14,872 or more per month, your monthly UIF maternity benefit will be calculated based on this cap, and you will receive approximately R4,676 per month.

Here is an example of how this works:

If you earn R14,872 per month: Your UIF benefit will be capped at R4,676 per month (approximately R155.89 per day).
If you earn R5,000 per month: You will receive about R2,188 per month as part of your UIF maternity benefits.
If you earn R3,000 per month: You can expect to receive around R1,428 per month.

These figures are designed to provide some financial relief while on maternity leave but may not fully replace your normal salary. Therefore, it’s important to plan your finances in advance to ensure that you can manage during your maternity leave period.

How Long Can You Claim?

The duration for which you can claim maternity UIF benefits is limited. In South Africa, eligible employees can claim UIF maternity benefits for a maximum of 121 consecutive days, which is approximately four months. This period is meant to give mothers time to recover from childbirth and bond with their newborns.

Exceptions for Miscarriage or Stillbirth

If a miscarriage or stillbirth occurs in the third trimester of pregnancy, the employee is still eligible to claim UIF maternity benefits for six weeks. However, this period may be adjusted based on the circumstances surrounding the pregnancy and childbirth.

It’s important to note that UIF maternity benefits are only available for the time you are on actual maternity leave. You cannot claim UIF benefits for any period before or after your leave, even if you took time off for doctor appointments or hospital visits before childbirth.

When Can You Claim?

The process for claiming UIF maternity benefits can begin as soon as you start your maternity leave. However, the actual payment can only be processed once the birth of the child has been confirmed. This means you will need to submit a birth certificate as part of the claim process.

Timing of Claims

You must apply for your UIF maternity benefits within six months from the birth of your baby. If you fail to claim within this time frame, you may forfeit your eligibility for benefits. Therefore, it’s crucial to start the claim process promptly after the birth of your child.

How Long Does It Take to Receive Payments?

Once you submit your maternity UIF claim, the Department of Labour will process your application. On average, the processing time for maternity UIF claims takes between three to eight weeks, depending on the completeness and accuracy of your employment records.

If your employment records are up-to-date and accurate, the process may take closer to three weeks. However, if any documentation is missing or incomplete, the process may take longer.

After your claim is approved, an initial payment (one credit) will typically be made, followed by monthly payments or lump sums, depending on the discretion of the Department of Labour. These payments will be made directly into your bank account, once you provide your banking details.

Additional Important Notes

Here are some other important things to keep in mind when applying for maternity UIF benefits:

Receiving Less Than Normal Salary

To qualify for maternity UIF benefits, you must be receiving less than your normal wages during your maternity leave. This ensures that the UIF is helping to supplement your income while you are on leave.

Hourly Employees or Those with Fluctuating Salaries

If you are paid hourly or if your salary fluctuates, the UIF will calculate your benefit based on your average salary over the last six months. This means that even if your salary changes from month to month, your maternity benefits will be calculated based on the average earnings over a six-month period.

Retrenchment or Contract End While Pregnant

If you are retrenched or your contract ends while you are pregnant, you must claim for maternity UIF benefits first before applying for unemployment benefits. Failing to do this may result in losing eligibility for maternity UIF benefits.

Documenting Your Claim

Make sure that you have all the necessary documentation in place when filing your claim. This includes:

Proof of employment (such as pay slips or employment contracts)
A copy of your birth certificate
Your bank account details for direct deposit of payments

By ensuring all your documents are in order, you can help speed up the claims process.

Check also: Top Mistakes That Delay UIF Payments and How to Avoid Them

Understanding how the maternity UIF claim process works is essential for managing your finances during maternity leave. While the UIF may not replace your full salary, it provides crucial financial assistance to help you manage during your time off work. By knowing how much you’ll receive, when you can claim, and how long it will take to receive your benefits, you can better plan and prepare for your maternity leave.

Planning for your maternity leave and understanding your financial rights will give you peace of mind during this exciting but often stressful time. Be sure to start your claim on time and ensure your documents are in order to avoid any delays in receiving your payments.