What Happens to Your Finances During Maternity or Paternity Leave in the Police?

Maternity or Paternity Leave in the Police | Police Mutual

This article was published on 25 Aug 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

Please note, the information presented in thus article is for general guidance only and Officers/Staff should check with their Force HR team to confirm their exact entitlements.

Taking time off work to welcome a new child is an exciting chapter, but it can also bring financial changes. For police officers, staff, and their families, understanding how maternity or paternity leave affects your income – and planning for it – can help you enjoy the time without unnecessary money worries.

Whether you’re thinking ahead, about to start leave, or already off work, here’s what you need to know.

Maternity Leave for Police Officers and Staff

Police officers are entitled to up to 15 months’ maternity leave, with the first 26 weeks typically classed as ordinary maternity leave and the following 26 weeks as additional maternity leave. How much you’re paid depends on your length of service and your force’s specific policy, but it generally includes:

  • Occupational maternity pay – often paid at full or half pay for a set period if you meet service requirements.
  • Statutory Maternity Pay (SMP)currently paid for up to 39 weeks if you qualify.
  • Unpaid leave – the remaining weeks of your entitlement may be unpaid.

Police staff have similar rights, though the exact pay structure and length of leave can vary by force policy.

Paternity Leave for Police Officers and Staff

Paternity leave is shorter – usually two weeks, which may be taken in a single block. If eligible, you’ll receive occupational paternity pay (often at full pay) for part or all of this time, followed by any statutory entitlement. Some parents may also consider Shared Parental Leave, which allows you to split time off more flexibly between parents.

Planning Ahead Financially

Because your income may reduce during maternity or paternity leave, it’s a good idea to start preparing early. Consider:

  • Saving in advance – build a dedicated fund to cover essential bills during lower-income months.
  • Reviewing your budget – plan for extra baby-related costs and reduced earnings.
  • Checking your entitlements – confirm exactly what you’ll be paid and when.
  • Exploring additional benefits – some forces offer childcare vouchers or salary sacrifice schemes.

You might find our Let’s Talk Life Events Guide helpful to read when preparing for this new chapter.

Support for Your Wellbeing

Adjusting to life with a new baby isn’t just about money – your wellbeing matters too. Our Wellbeing Hub offers free resources on everything from mental health to family life, while our Let’s Talk Money hub has practical tips to help you manage your finances with confidence.

The bottom line: maternity or paternity leave in the police is a valuable benefit, but it can mean a shift in your income. By planning ahead, building savings, and making the most of available resources, you can focus on what matters most – your growing family.