Legal analysis: Maternity allowances are usually applied for by the employer to the relevant competent authorities within three months after the woman gives birth. The maternity allowance is then credited to the employer's account and then given to the individual by the employer.

However, different regions have different policies and regulations. Some regions require employees to apply for it themselves. The unit is not responsible for handling this, so you should consult the unit for the specific application process and time.

Shanghai’s maternity insurance benefits include two parts: First, maternity medical subsidy. For births over 7 months of pregnancy (inclusive) or premature births of less than 7 months of gestation, the maternity medical subsidy is 3,000 yuan.

For spontaneous abortions of more than 3 months (including 3 months) of pregnancy and less than 7 months of pregnancy, the subsidy for maternity medical expenses is 500 yuan.

For spontaneous abortion or ectopic pregnancy under 3 months of pregnancy, the subsidy for maternity medical expenses is 300 yuan.

The second is maternity subsistence allowance, which is calculated based on the average monthly salary of the female employee’s employer in the previous year divided by 30 days and multiplied by the number of maternity leave days she should enjoy. The required funds are paid by the city’s urban maternity insurance fund.

1. Maternity allowance Maternity allowance is the monthly paid salary per capita of the unit ÷ 30 (days) × the number of maternity leave days (Note: The number of leave days is different in each region, and the regulations shall prevail in each region.) Legal basis: "The People's Republic of China and

Article 53 of the National Social Insurance Law: Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with national regulations. Employees shall not pay maternity insurance premiums.

Article 54 If the employer has paid maternity insurance premiums, its employees shall enjoy maternity insurance benefits; the unemployed spouses of employees shall enjoy maternity medical expense benefits in accordance with national regulations.

The required funds are paid from the maternity insurance fund.

Maternity insurance benefits include maternity medical expenses and maternity allowances.