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During any ordinary maternity leave, you pay your normal contribution rate on whatever pay you receive. If you are on less than your normal pay, or even not paid, your membership still builds up as usual. So there is no effect on your pension benefits.
During any paid additional maternity leave, you pay your normal contribution rate on whatever pay you receive. Even if this is less than your normal pay, your membership still builds up as usual, so there is no effect on your pension benefits.
During periods of unpaid additional maternity leave you will only pay contributions if you choose to. You have 30 days from returning to decide and the cost is your normal contribution rate of the last pay you received. If you choose not to, you will not build up any membership for this period, and this will affect your pension benefits.
Adoption leave works in the same way as maternity leave.
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The cost to you 
