Benefits for a pregnant woman running a business

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A pregnant woman running her own business can take advantage of two basic benefits - sickness allowance and maternity allowance. Find out about the benefits for a pregnant woman running a business.

Sickness benefit in case of pregnancy

In order to be entitled to sickness benefit while running a business, you must be covered by sickness insurance for a period of 90 (continuously) days. As a rule, this allowance is paid to an insured person who becomes incapable of work during the period of sickness insurance.

The maximum period of staying on sickness benefit by a pregnant woman is 270 days. Then the amount of the allowance is 100% of the calculation basis.

Who is entitled to maternity allowance?

Maternity allowance is granted to an insured person who, during the period of sickness insurance or parental leave:

  • born child;

  • adopted a child up to the age of 7, and in the case of a child whose compulsory education was postponed, up to the age of 10, for upbringing and applied to the guardianship court regarding his adoption;

  • adopted a child up to the age of 7, and in the case of a child whose compulsory education was postponed, up to the age of 10, for upbringing in a foster family, with the exception of a professional foster family.

How long is maternity allowance paid?

The period of payment of maternity allowance for the birth of a child is:

  • 52 weeks - in the case of giving birth to one child in one delivery,

  • 65 weeks - in the case of giving birth to two children at the same time,

  • 67 weeks - if three children are born in one delivery,

  • 69 weeks - if four children are born in one delivery,

  • 71 weeks - if five or more children are born in one delivery.

Important!

The mother of the child, after using the maternity allowance for a period of at least 14 weeks after giving birth, may resign from receiving the allowance and return to work earlier. In this case, the insured father of the child uses the remainder of the maternity allowance period.

For the time determined by the provisions of labor law as the period of maternity leave, that is, respectively:

  • 20 weeks - when one child is born,

  • 31 weeks - when two children are born in one delivery,

  • 33 weeks - when three babies are born in one delivery,

  • 35 weeks - when four children are born in one delivery,

  • 37 weeks - when five or more children are born during one birth,

is entitled to 100% maternity allowance. In addition, this benefit for the period determined by the provisions of the Labor Code as the period of parental leave is due in the amount of 100% of the allowance calculation basis for the period up to:

  • 6 weeks of parental leave - if one child is born,

  • 8 weeks of parental leave - in the case of giving birth to two or more children at the same time,

  • 3 weeks of parental leave - in the case of accepting a child to raise a child, if the insured person is entitled to maternity allowance for a period corresponding to the period of leave on the terms of maternity leave with a minimum duration of 9 weeks.

The maternity allowance for the period of parental leave payable after the expiry of the above-mentioned periods amounts to 60% of the allowance calculation basis.

Important!

The mother may also apply for a benefit payment of 80% of the calculation basis for the entire benefit period.

Adjustment of the maternity allowance to the amount of parental benefit

A person running a business whose benefit will be lower than the amount of parental benefit should receive the allowance up to the amount of this benefit. This means that the minimum amount that an entrepreneurial mother will receive for the time of exercising parental rights will be at least PLN 1,000.

Payment of contributions from business activity while receiving maternity allowance

In the case of maternity leave, the rule depriving the entrepreneur of the right to an allowance does not apply (as is the case with sickness benefit). At the time of receiving the maternity allowance, the entrepreneur is obliged to pay only the health insurance premium. On the other hand, persons who are entitled to compensation of maternity allowance up to the amount of parental benefit are exempt from paying the health insurance contribution and do not pay any contributions until the end of the leave.