What you’re entitled to,and what you can ask for.

A small amount of this is law. A great deal of it is policy: money and time your employer may already provide and never mention. Knowing what to ask, in writing, closes the gap.

Most scripts here work without telling anyone about your treatment; those that rely on pregnancy protection say your employer has to know.

A hand writing notes in a notebook at a desk
27%Of UK employers have a policy on fertility treatment

Source: CIPD, Workplace support for employees experiencing fertility challenges, 2023

38%Of UK employees in fertility treatment have left a job, or considered it, because of the toll

Source: Fertility Matters at Work survey of 1,000+ UK workers, July 2025

63%Of workers in treatment say their employer has no fertility policy; 35% found their manager supportive

Source: Fertility Matters at Work, July 2025

Less law than you’d expect. More than you’re using.

The one employers most often get wrong: in the UK, pregnancy protection begins at embryo transfer, not when a pregnancy is confirmed, and not when treatment starts. It applies once your employer knows.

United Kingdom

No statutory right to time off for treatment. Pregnancy protection begins earlier than most employers realise, and two general rights changed in 2024 and 2026.

What the law gives you

  • Protection from pregnancy discrimination starts at embryo transfer, once your employer knows, and continues for two weeks after you are told a transfer has failed (Acas).

    You never have to tell your employer. To rely on this protection you will need to, ideally in writing. Once a pregnancy is confirmed you also have the right to paid time off for antenatal care (gov.uk).

  • Penalising the person undergoing egg collection can be sex discrimination.

    Refusing time off, or treating someone unfavourably, because they are having treatment such as egg collection can be sex discrimination before the pregnancy protections start (Working Families). It does not cover a partner or an intended parent.

  • Flexible working can be requested from day one (since 6 April 2024), twice a year, with a decision within two months.

    A request can cover hours, days or place of work. Employers must deal with it in a reasonable manner (gov.uk).

  • Statutory sick pay is paid from the first day of absence (since 6 April 2026).

    The waiting days and the lower earnings limit were removed by the Employment Rights Act 2025. The rate is £123.25 a week or 80% of average weekly earnings, whichever is lower (Acas).

  • Partners and intended parents through surrogacy can take unpaid time off for up to two antenatal appointments.

    Up to six and a half hours each, unpaid (Acas). An intended parent who intends to apply for a parental order can qualify for statutory adoption leave and pay (gov.uk). There is no right to time off to attend treatment with a partner.

  • Acas: treat it like any other medical appointment.

    Fertility appointments, and sickness arising from treatment, should be handled like any other appointment or sickness under your employer's policies.

What it does not

  • No statutory right to time off for treatment.

    There is no right in Great Britain to time off, paid or unpaid, for fertility treatment (Acas). Appointments before transfer are not antenatal appointments. What you get depends on your contract and your employer's policy.

  • Before embryo transfer, nothing forces an employer to discount treatment absence.

    Many policies keep treatment absence out of sickness trigger points (the absence totals that start a formal process); ask for it. After transfer, pregnancy-related sickness should be recorded separately and not counted towards them.

  • The Fertility Treatment (Employment Rights) Bill did not become law.

    A Private Member's Bill to require employers to allow time off for fertility treatment appointments, introduced in the 2022-23 and 2023-24 sessions. No such Act exists on legislation.gov.uk.

  • Leave after pregnancy loss is legislated but not yet in force.

    The Employment Rights Act 2025 creates at least one week of unpaid bereavement leave from day one, including pregnancy loss before 24 weeks; the government says it will take effect in 2027. The consultation, closed 15 January 2026, proposed including the unsuccessful transfer of an embryo in IVF. Whether failed transfers qualify is undecided until the regulations are made (gov.uk).

  • The Fertility Workplace Pledge is voluntary.

    Signatories commit to workplace information, staff training and flexibility for people in treatment. Co-op, NatWest, Metro Bank and Channel 4 were reported as signatories in November 2022 (Progress Educational Trust). Ask whether yours has signed.

Using it

  • If you are past embryo transfer and are being treated unfavourably, you may be protected. Talk to Acas before deciding whether to raise it.

  • Ask for treatment absence to be recorded separately from ordinary sickness, and get the answer in writing before you need it.

  • Acas and Working Families both run free advice lines; use them before a disagreement hardens.

  • In Northern Ireland the law is similar but separate; contact the Labour Relations Agency. Its Workplace Information Service is on 03300 555 300.

Where this stops

This is a summary with its sources attached, not legal advice; CairnFertility is not a law firm. If something has already gone wrong at work (a refusal, a disciplinary, a dismissal), talk to Acas, your union or an employment solicitor before you respond. Tribunal claims have strict time limits, currently three months less a day from the event (six months less a day where the limit starts on or after 1 October 2026), so contact Acas early. Acas and unions are free; some solicitors offer a free first call.

After treatment: leave, pay and childcare.

Statutory maternity, paternity and adoption leave

Employees can take statutory maternity, paternity or adoption leave and pay. Eligibility, notice periods and rates are on gov.uk.

gov.uk: maternity pay and leave

Maternity Allowance if you are self-employed

£27 to £194.32 a week for up to 39 weeks, depending on your Class 2 National Insurance contributions. You can claim from 26 weeks of pregnancy and work up to 10 keeping-in-touch days without affecting it.

gov.uk: Maternity Allowance

Surrogacy: adoption leave and pay for intended parents

Intended parents who intend to apply for a parental order, and expect it to be granted, can qualify for statutory adoption leave and pay. Pay needs 26 weeks' continuous employment by the 15th week before the due date.

gov.uk: adoption leave eligibility

Funded childcare

In England, working parents can get 30 funded hours a week for 38 weeks of the year from age 9 months to 4 years. Scotland, Wales and Northern Ireland have separate arrangements.

gov.uk: free childcare if you're working

Mental health: work and counselling.

Six things called “fertility benefits”.

They are announced in near-identical language and differ by thousands of pounds. Work out which one you have before you plan around it.

A discount at a partner clinic

A negotiated percentage off treatment at named clinics. The cheapest thing an employer can announce.

Typically 5 to 20% off, and only at clinics you may not have chosen.

A contribution

A fixed sum towards treatment, often once per employee rather than per cycle.

A fixed sum, often a few thousand pounds at most.

A lifetime fund

A pot you draw against for treatment, drugs and sometimes storage, usually administered by a benefits platform.

The most valuable common shape.

Full cycle cover

The employer or its insurer pays for treatment directly, up to a stated number of cycles.

Rare, and concentrated in the largest employers.

Paid leave for treatment

Dedicated days off for appointments, separate from annual leave and sickness.

Where it exists, usually 5 to 10 days a year. Worth more than a small contribution to most people in treatment.

A support platform with no treatment money

Clinical guidance, counselling, webinars and a helpline through a third-party provider.

Useful, and frequently announced in language that implies treatment is funded when it is not. Ask which it is.

If your scheme runs through a platform (Carrot, Maven, Fertifa or Peppy), its own support team usually holds the detail of what you can claim, and answers questions your employer never sees.

Employers with published provision.

A short list on purpose: UK employers whose provision has been publicly reported, with the report each entry was read from.

Banking

NatWest

Discounted treatment through Fertifa; five days' leave per treatment cycle for up to three cycles.

Reported 2022: Working Families case study

Retail

Co-op

Time off for colleagues undergoing treatment, for surrogates and for their partners.

Reported November 2022: Progress Educational Trust

Energy

Centrica

Paid time off for treatment and support with funding it, under its Pathway to Parenthood programme.

Checked September 2026: Centrica careers site

Law

Clifford Chance

Private medical cover extended to fertility investigations and treatment up to £15,000, with Peppy for advice.

Reported June 2021: People in Law

Checked 13 September 2026. Benefits are withdrawn as quietly as they are announced, and caps, eligibility and waiting periods are rarely in the press release. Confirm with the employer before relying on any of it.

The email to send.

Search your benefits portal for ‘fertility’, ‘IVF’ and ‘family forming’ before you ask anyone. Schemes are often live but unadvertised, and a search tells nobody.

Then send one email. The full version asks the five questions that separate a benefit that pays for treatment from one that does not, and says nothing about your own plans.

Which email?

Email to send HR

Hi [Name], I wanted to ask whether our benefits package includes any support for fertility treatment or IVF. I understand this is becoming more common and wanted to understand what might be available before I make any plans. Happy to chat if useful. Thanks, [Your name]

You do not need to say why you are asking.

You decide how much anyone knows.

Pick the conversation you are having. Every line is written to be said out loud, and the last one closes it.

You need appointments in work time and you do not want to explain what they are for.

What's usually going on

Monitoring scans land at short notice and cannot be moved, and you can ask for flexibility around them without naming the treatment.

Things you can actually say

  • I have a course of medical appointments over the next few weeks. Some are scheduled at short notice and early in the morning. I'd like to agree how to handle them so it's predictable for both of us.

  • I'd rather not go into the detail, but this is ongoing medical treatment rather than a one-off. Can we look at what the policy allows?

  • I can make the time up, but the appointments themselves can't move: the clinic sets them.

  • I'm happy to keep this between us for now. If anything changes that affects the team, I'll tell you first.

Making the case.

You are under no obligation to fix your employer while you are in treatment. If you do raise it, the retention argument is the one employers respond to; the figures above and the CIPD guidance below are the material.

What a good policy contains

  • Paid time off for appointments, separate from annual leave and from sickness absence

  • Treatment-related absence discounted from sickness triggers

  • Cover that is written around family building rather than an infertility diagnosis, so solo parents, same-sex couples and surrogacy are included by design

  • A stated financial contribution, with drugs, donor sperm or eggs, and storage explicitly in or out

  • Confidentiality: who is told, and who is not, when someone discloses

  • Manager guidance, because CIPD research finds the manager relationship decides whether someone stays

  • Provision for pregnancy loss, which is where fertility policies most often stop short

Funding & payment options

Employer benefits are one route among several. What the NHS funds, and how people pay for the rest.

See funding options

Employment and benefits information last reviewed 13 September 2026. Law, policy and employer provision change; treat this as a starting point for a question, not a statement of your position. CairnFertility is not a law firm and nothing here is legal advice. We receive no payment from any employer or provider named.