{"id":1144,"date":"2026-05-03T17:45:04","date_gmt":"2026-05-03T17:45:04","guid":{"rendered":"https:\/\/elternundfamilie.de\/?p=1144"},"modified":"2026-05-03T17:45:05","modified_gmt":"2026-05-03T17:45:05","slug":"step-by-step-guide-to-maternity-allowance","status":"publish","type":"post","link":"https:\/\/elternundfamilie.de\/en\/schritt-fuer-schritt-anleitung-zum-mutterschaftsgeld\/","title":{"rendered":"Step-by-step guide to maternity allowance"},"content":{"rendered":"

Between ultrasound images and name searches, bureaucracy often causes the first headache. Consider Lena, who is seven months pregnant and wonders with concern, \"Who will pay my rent when I stop working soon, and what exactly is maternity pay?\"<\/p>\n\n\n\n

The answer lies in the statutory maternity protection period \u2013 the rest period of six weeks before and eight weeks after childbirth. In practice, there is often great uncertainty about who pays during maternity leave. However, this important financial support during the maternity protection period keeps your income almost completely stable.<\/p>\n\n\n\n

According to the Federal Ministry for Family Affairs, a clever dual system applies here. Your health insurance company transfers a basic amount, which your employer supplements with the employer's contribution. Our step-by-step guide to maternity allowance shows you how to apply for these funds stress-free and on time.<\/p>\n\n\n\n

Who receives maternity allowance? Check your eligibility for statutory and private insurance<\/h2>\n\n\n\n
\"A<\/figure>\n\n\n\n

Before you submit your MET certificate (the medical certificate stating the estimated due date), the most important question needs to be clarified: Who actually receives maternity benefits? In principle, you are entitled to them if you are mandatorily insured in a statutory health insurance fund at the beginning of the maternity protection period. Mothers who are privately insured or family-insured receive a lump-sum payment from the Federal Social Security Office instead.<\/p>\n\n\n\n

For the money to land in your account on time, the exact eligibility requirements for statutory maternity pay must be met. Simply tick off these three core criteria for yourself:<\/p>\n\n\n\n

    \n
  1. You are statutorily insured and entitled to sickness benefit.<\/li>\n\n\n\n
  2. There is an employment relationship (including mini-jobs) or you receive maternity allowance as an unemployed person (provided you are receiving unemployment benefit I).<\/li>\n\n\n\n
  3. The start of the protection period has been reached.<\/li>\n<\/ol>\n\n\n\n

    A reassuring fact for your safety: thanks to the strict ban on termination during pregnancy, your financial claim is legally protected. If you have a doctor's note prohibiting work even before the six-week period and are wondering who pays maternity allowance \u2013 your employer will cover it in full. Only when the official maternity protection period begins does the health insurance company take over. The simple formula for your payout amount brings immediate clarity to your finances.<\/p>\n\n\n\n

    How much salary do you get during maternity leave? The simple formula for your payment amount<\/h2>\n\n\n\n

    The reassuring answer to the question about salary during maternity leave is: You receive just as much as before. Your income remains secure because the amount of maternity allowance consists of two components. The statutory health insurance fund pays a portion, capped at a maximum of 13 euros per calendar day. If your earnings are above this, your employer will make up the difference. This calculation of the employer's supplemental payment during maternity leave exactly compensates for the financial difference, so you will not experience any loss.<\/p>\n\n\n\n

    To concretely check how much maternity benefit you will receive, consider your average net income from the three months prior to the start of your maternity leave. This reference period forms the basis. With a simple calculation, you can determine your daily allowance:<\/p>\n\n\n\n

      \n
    1. Sum of the last 3 months' net salaries (e.g., 3 x \u20ac2,100 = \u20ac6,300).<\/li>\n\n\n\n
    2. Divide by 90 days to get the daily net wage (here: 70 Euros).<\/li>\n\n\n\n
    3. Deduction of the 13 Euro cash register share = daily employer subsidy (here: 57 Euro, paid by the employer).<\/li>\n<\/ol>\n\n\n\n

      This transparent breakdown happens completely automatically in the background as soon as all documents have been submitted. So you don't have to go to the HR department with a calculator yourself. However, for the money to flow on time starting from the first day of your leave, the right timing is crucial.<\/p>\n\n\n\n

      When and how to apply? The 7-week deadline and the path to certification<\/h2>\n\n\n\n

      For the optimal timing of your maternity allowance application, there's a simple rule of thumb: the starting gun fires exactly seven weeks before your due date. Doctors are legally not allowed to issue the relevant document earlier, as health insurance companies require the most up-to-date prognosis possible.<\/p>\n\n\n\n

      The most important puzzle piece for your application is the so-called certificate of the expected date of delivery. You will receive this advance certificate directly from your gynecologist or midwife. It is the well-known \u201eyellow slip,\u201c which officially serves as a certificate for maternity allowance and summarizes all relevant medical data for the authorities.<\/p>\n\n\n\n

      \"A<\/figure>\n\n\n\n

      As soon as you have this document in your hands, you can officially apply for maternity allowance. The process is straightforward and requires only four steps:<\/p>\n\n\n\n

        \n
      1. Obtain a certificate from the doctor's practice (no earlier than 7 weeks before the appointment).<\/li>\n\n\n\n
      2. Fill in the back (add account details and employer information).<\/li>\n\n\n\n
      3. Send it online or by mail to the cashier to subsequently receive the official certificate from the health insurance company regarding maternity allowance (the approval notice).<\/li>\n\n\n\n
      4. Inform the employer and hand over a copy.<\/li>\n<\/ol>\n\n\n\n

        Thanks to modern checkout apps, scanning and submitting usually only takes a few minutes today, so you can quickly tick off the bureaucracy.<\/p>\n\n\n\n

        Minijob or Privately Insured? How to Get Maternity Benefit from the Federal Office of Social Security<\/h2>\n\n\n\n

        Without your own statutory health insurance, your health insurance provider is not responsible for the payout. Instead, you must submit your application to the Federal Office of Social Security. This central authority in Bonn is responsible for all women who do not have their own mandatory statutory insurance and will pay you a one-time lump sum of a maximum of 210 Euros.<\/p>\n\n\n\n

        This exact same approach also applies to maternity allowance for employees with minor employment and mini-jobbers, provided you are family-insured through your partner. An important ray of hope for you: If you earn an average of more than 390 Euros net per month in your job, your employer must supplement this one-time payment with the regular employer's contribution.<\/p>\n\n\n\n

        Your guide to a relaxed maternity leave: All the to-dos after giving birth<\/h2>\n\n\n\n

        Once the initial bureaucracy is mastered, the transition to the post-birth period remains. The most important difference between maternity benefit and parental allowance is simple: the former is offset against the latter. To ensure payment dates and duration of the wage replacement benefit, use this direct plan:<\/p>\n\n\n\n

          \n
        1. Submit birth certificate:<\/strong> Send the birth certificate to your health insurance company immediately upon receipt so that the remaining maternity benefit can be paid.<\/li>\n\n\n\n
        2. Check refund<\/strong> In the following days, ensure that the final payments from the cashier and employer are correctly posted.<\/li>\n\n\n\n
        3. Submit Parental Allowance Application<\/strong> Promptly initiate the parental allowance application thereafter.<\/li>\n<\/ol>\n\n\n\n

          With these timely steps completed, you'll avoid financial gaps and can fully enjoy the initial time with your baby, completely relaxed.<\/p>","protected":false},"excerpt":{"rendered":"

          Zwischen Ultraschallbildern und Namenssuche sorgt B\u00fcrokratie oft f\u00fcr das erste Kopfzerbrechen. Nehmen wir Lena, die im siebten Monat schwanger ist […]<\/p>\n","protected":false},"author":1,"featured_media":1145,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[21],"tags":[],"class_list":["post-1144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-schwangerschaft"],"yoast_head":"\nSchritt-f\u00fcr-Schritt-Anleitung zum Mutterschaftsgeld -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/elternundfamilie.de\/en\/step-by-step-guide-to-maternity-allowance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Schritt-f\u00fcr-Schritt-Anleitung zum Mutterschaftsgeld\" \/>\n<meta property=\"og:description\" content=\"Zwischen Ultraschallbildern und Namenssuche sorgt B\u00fcrokratie oft f\u00fcr das erste Kopfzerbrechen. 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