mutha2b - always a tricky position.
You can request that she goes on maternity leave, if you feel the work she is doing is putting her or her baby at risk. She in turn can refuse, but then has to bring you a letter from her doctor saying that she is healthy enough to work until what ever day.
Legally she can work up to the day she goes in to labour if she is healthy and she is willing. On the other hand you can request she takes maternity leave when she is 6 weeks from due date, but she can refuse.
In terms of maternity leave, legally you need to hold her position open for her - or a similiar one. You do not need to pay maternity benefits (that is not legally required, but you can if you want to).
She in turn can claim from UIF - if she is lucky she will see the first payment some where around month 3 - 4, so odds are will not have much in the way of an income.
I have never had someone who has worked for me go off with a baby, but I think if I did, and they had been with me for some time, I would try to pay them R500.00 - R1000.00 per month while on maternity leave - what ever I could afford - but I totally get that you might already be stretched, we all are.
The lady who works for me earns a basic of R2500.00 + then I pay her extra to babysit so she earns any where around R2700.00 - R3600.00 depending on how social we have been.
I also pay a 13th cheque and give her a birthday bonus when it is her birthday.
She lives with us from Sunday night/Monday morning through to Friday evening and then goes home.
She does her washing, and also eats meals with us, and that is about it I think. She has also been with me nearly 4 years, and it has been really good so far, I could not cope without her - bless her cotton socks.