Enhancing support: The changing paradigm of paid sick leave programs

As more cities and states mandate employers to provide accrued paid sick leave to their employees, we are witnessing a trend of expanded benefits from places that already require sick leave. Today, 40+ locations require employers to provide paid sick leave, and many have enacted changes that will be live in early 2025.

These changes could be occurring for various reasons, such as increased awareness about the advantages of paid sick leave, addressing disparities in access, or the influence of the COVID-19 temporary legislation coming to an end. This is a dynamic area that employers need to stay informed about.

This blog post will focus on three existing programs, Connecticut, Michigan, and Washington, and how they are making changes for 2025.

Doctor and woman in a healthcare setting

Connecticut

Connecticut passed paid sick leave legislation in 2011, becoming the first state to require that employees earn paid sick leave from many employers. Earlier this year, Governor Lamont signed legislation expanding the sick leave law to make paid sick leave more accessible.

  1. Expands employers mandated to provide paid sick leave: The number of employers covered under Connecticut’s Paid Sick Leave (PSL) requirements will greatly expand. Currently, only employers with 50 or more employees and operate in specific industries (service workers) are covered. The changes for 2025 eliminate the industry limitations, such that all private-sector employers will be covered. This reduces the employee count to 25, which reduces further to 11 employees in 2026 and one employee in 2027.
  2. Reduces accrual rate: In 2025, employers must also provide sick leave at a faster accrual rate, which will change from one hour of accrued sick leave for every 40 hours worked to a 1:30 ratio.
  3. Expands reasons for leave: Employees will also be able to utilize sick leave for more covered reasons, including mental health of the employee or a covered relation, safe time for a covered relation (expanded from child), or closure of employee’s workplace, a covered relations school, or place of care due to a public emergency. In addition to the existing covered relations for which an employee can take sick leave, the updates will allow usage for the following expanded list of covered relations: adult children, an individual to whom the employee stood in loco parentis, the employee’s grandchild or grandparent, the employee’s sibling, and an individual related to the employee by blood or affinity equivalent to a family relationship.

These changes will be effective on January 1, 2025.

Female child in hospital bed

Michigan

Michigan currently requires employers to provide accrued paid sick leave to employees under the Paid Medical Leave Act (PMLA), but that will change as of February 21, 2025, when the Earned Sick Time Act (ESTA) replaces the PMLA. The ESTA is more employee-friendly, providing eligibility for more employees, a faster accrual rate, and broader covered leave reasons.

ESTA)

PMLA

What is the effective date?

Replaces the existing law and becomes effective February 21, 2025.

Current law, effective through February 20, 2025.

What employers are covered?

All employers who employ one or more employees, excluding the U.S. government.

Employers who employ 50 or more individuals.

What is the accrual rate?

Accrue one hour of sick leave for every 30 hours worked.

Accrue one hour of sick leave for every 35 hours worked.

What is the maximum annual accrual?

72 hours

40 hours

Can sick time be frontloaded rather than accrued?

Yes, employers may frontload 72 hours of sick leave.

Yes, employers may frontload 40 hours of sick leave.

What is the maximum annual usage?

72 hours

40 hours

What leave reasons are covered?

Sick time (employee or covered relation), safe time, and other time, including meetings at the child’s school or daycare, closure of the workplace or child’s school, or the need to quarantine.

Sick time (employee or covered relation), safe time, and other time, including closure of workplace or child’s school or need to quarantine.

Which covered relations may an employee take leave for?

Child, grandparent, grandchild, parent, spouse (defined more broadly), and other individual related by blood or with a relationship equivalent to family.

Child, grandparent, grandchild, parent, spouse.

Washington

Since 2018, employers have been required to provide paid sick leave to their employees under Washington’s Paid Sick Leave (PSL) program. Beginning January 1, 2025, the PSL program will feature a few updated definitions that will broaden its scope and applicability to more employees in more situations.

  1. Expanded covered relationships: Employees will be able to utilize paid sick leave to care for additional covered relations, including the employee’s grandchild or grandparent. The definition of the employee’s child is being expanded to include the child’s spouse, including son-in-law or daughter-in-law. In addition, employees will also be able to take time off to care for an individual who regularly resides in the employee’s home and is cared for by the employee.
  2. Expanded leave reasons: The covered reasons are also being expanded. Currently, sick leave may be used when a child’s school or place of care is closed for health-related reasons, but this will be expanded to include closures due to a declaration of emergency by the local, state, or federal government.

 

Summary

Employers with Connecticut, Michigan, and Washington employees should review their sick leave policies to ensure alignment with the updated requirements. Employers should also ensure that their systems and processes are aligned with changes to the accrual rates. Finally, HR and managers should be trained to ensure that employee sick leave requests are handled appropriately and in alignment with the updated requirements.

Happy senior man is recovering from the coronavirus is visited by his grandchildren

How can Marsh McLennan Agency’s Absence, Disability, & Life Practice help?

Please contact us for additional information on drafting your paid sick leave policies or to learn more about how MMA ADL can assist in understanding these programs.

Marsh McLennan Agency’s Absence, Disability, & Life Specialty Practice helps clients understand, integrate, measure, and manage leaves of absence, time away from work, disability, and life insurance programs. Specializing in absence for over 20 years allows us to help employers meet employee expectations, reduce compliance risk, and manage costs. We are here to be your trusted partner, allowing you to prioritize what truly matters – your people.

October 2024 Statutory Update

Click HERE to view and download the full Update

In this Update:

Paid Family and Medical Leave Updates

California State Disability Insurance (CA SDI) and Paid Family Leave (CA PFL)

Use of Vacation Time Prior to Receipt of CA PFL Benefits
Advance Filing of CA SDI and CA PFL Claims

Delaware Paid Family Leave (DE PFL) – Revised Regulations

District of Columbia Paid Family Leave (DC PFL) – Maximum Weekly Benefit Increase

Maine Paid Family Leave (ME PFL)

Updated Resources
Paid Leave Portal – Employer Registration and Private Plan Application

Maryland Family and Medical Leave Insurance (MD PFAMLI) Status Update

Massachusetts Paid Family and Medical Leave (MA PFML) Benefit Accruals During Leave

 

Accrued Paid Leave Updates

California Paid Sick Leave – Amendment

Massachusetts Earned Sick Time – Amendment

Michigan Earned Sick Time – Updated Resources

 

Other News

 California – Anti-Discrimination, Accommodations and Leave for Crime Victims – Amendment

 

Important Reminders 

October – December

Colorado Family and Medical Leave Insurance (CO FAMLI) – Private Plan Requirements

Delaware Paid Leave (DE PL)

Employer Registration, Private Plan Application, and Opt-In
Model Notice Available

District of Columbia Paid Family Leave (DC PFL) – Contribution Rate Change for Q3 Remittance

Minnesota Paid Leave (MN PL) – Quarterly Wage Detail Reporting Due October 31

 

January

California State Disability Insurance (CA SDI) and Paid Family Leave (CA PFL) –  2025 Benefit Formula

Connecticut Paid Sick Leave – Applies to Most Employers Beginning January 1; Model Notice Available

Delaware Paid Leave (DE PL) – Contributions Begin January 1

Maine Paid Family and Medical Leave (ME PFML)

Contributions Begin January 1
Model Notice Available

New York Paid Prenatal Personal Leave – Becomes Effective January 1

Paid Leave Oregon (PLO) – Reasons for Leave Expand Effective January 1

Rhode Island Temporary Caregiver Insurance (RI TCI) – Maximum Duration Increases January 1

 

2025 Paid Family and Medical Leave (PFML) Rates, Benefits and Required Notices

Across the Map of Paid Sick Leave

Marsh Mclennan Agency’s most recent statutory update covered a broad spectrum of topics, including PWFA and paid statutory leaves across the map. It also provided overviews of various paid sick leave regulations and updates in Washington, Illinois, and New York. For this blog post, we discuss what changed and some resources you may find helpful.

USA Map with pins

Washington

Let’s start out west, where Washington’s paid sick leave will be expanding, becoming effective January 1, 2025. Reasons for leave will include the closure of an employee’s child’s school or daycare due to an emergency declared by the state or local government. It will also expand the definition of covered relationships, which now includes absences for a child’s spouse and a non-family member who lives with and depends on the employee.

Whenever there are clarifications or updates such as these it is a good time to make sure your paid sick leave policy, notices, and various education materials are up to date. Washington State Department provides some great reference resources on their website to help guide you as well.

 

Thermometer, father and sick child in bed to sleep with a fever with paternity leave to check temperature. Black girl kid and a man together in bedroom for medical risk, health test and virus problem

Illinois

Next stop, Illinois, where we saw some clarifications of the Illinois Paid Leave for All Workers Act (PLAWA) when the final became effective April 30, 2024. This Illinois law is similar to accrued paid sick leave requirements that we see in many other states, but covers absences for any reason (not limited to employee’s own sickness or caring for a family member, etc.) and carves out employers that are covered by existing city/county ordinances. Like Washington, the Illinois Department of Labor website has some great resources, including employee notices that can be leveraged.

Which leads us to Cook County, which has no major updates or changes, and Chicago. Chicago’s “new” Paid Leave and Paid Sick and Safe Leave ordinance became effective July 1, 2024. It goes beyond many other state/local sick leave regulations by providing a total of 80 hours of paid leave, 40 hours of more traditional sick leave, and 40 hours that can be used for any reason. A few things to keep in mind:

  • Ensure your policies adhere to the standard put in place
  • Employers should be aware that they must provide notice to all covered employees with their first paychecks and information available in common areas of the workplace.

The Department of Business Affairs and Consumer Protections has a great FAQ available that provides many answers you may be looking for.

 

New York

Next, we head further east to New York, where the state enacted a first-of-its-kind legislation expanding paid sick leave to provide an additional 20 hours of paid prenatal leave. This paid time off is an amendment to the existing paid sick leave law, but employers must provide pregnant employees with separate and additional 20 hours beginning January 1, 2025.

We will have more information as we hear updated details and guidance from the state, and we will start to watch for other locations that might copy New York’s approach.

Close up of cute pregnant belly and x ray ultrasound scan of baby, x-ray pregnant.

Connecticut

Finally, significant changes are coming to Connecticut’s accrued paid sick leave law. Connecticut’s existing law requires only those employers with “service workers” to provide accrued paid sick leave, but recent changes will expand that requirement to nearly every employer in Connecticut by 2027 and will impact any employer with 25 or more employees as soon as January 1, 2025. There are also changes to the accrual rate, which is increasing from one hour accrued per 40 hours worked to one hour accrued per 30, expanded covered uses, record retention, and many other changes.

All employers in Connecticut should take a few steps in advance of these changes:

  • Review any existing sick leave policies
  • Check HRIS or payroll systems to ensure that accruals are set up for Connecticut employees
  • Train managers and human resource teams in Connecticut to recognize the types of requests that would be covered under sick leave

Be sure to check out the statutory update for the full list of updates to accrued paid sick leave from coat-to-coast and everywhere in between, along with federal updates, and state FMLA laws!

How can MMA ADL help?

Marsh McLennan Agency’s Absence, Disability, and Life Specialty Practice helps clients understand, integrate, measure, and manage leaves of absence, time away from work, disability, and life insurance programs. Specializing in absence for over 20 years allows us to help employers meet employee expectations, reduce compliance risk, and manage costs. We are here to be your trusted partner, allowing you to prioritize what truly matters – your people.

June 2024 Statutory Update

Click HERE to view and download the full Update

In this Update:

 

Federal

Department Guidance

Pregnant Workers Fairness Act (PWFA) – final regulations

Artificial Intelligence and the FLSA, the FMLA, and Other Employment Laws – guidance

 

State and Local

Family and Medical Leave Updates

Connecticut Paid Leave (CT PL) – amendments

Colorado Family and Medical Leave Insurance (CO FAMLI) – guidance

Delaware Paid Leave (DE PL) – regulations updates

Maine Paid Family and Medical Leave (ME PFML) – proposed regulations, amendments

Maryland Family and Medical Leave Insurance (MD FAMLI) – program date changes, amendments

Minnesota Paid Leave (MN PL) – amendments, reporting requirement update

Minnesota Pregnancy and Parental Leave Act – amendments

Oregon Family Leave Act (OFLA) – regulations updates

Washington Paid Family and Medical Leave (WA PFML) – regulations update

Paid Family Leave as a Class of Insurance – Kentucky

 

Accrued Paid Leave Updates

Connecticut Paid Sick Leave – amendments

Illinois Paid Leave for All Workers Act (PLAWA) – final regulations

Chicago Paid Leave and Paid Sick and Safe Leave – final regulations, model notice

Cook County, IL Paid Leave – amendment

Minnesota Earned Sick and Safe Time – amendments

New York Paid Sick Leave – amendment: Paid Prenatal Leave     

Washington Paid Sick Leave – amendments   

 

Other News

New York – Paid Breaks for Nursing Employees

New York COVID-19 Sick Leave – repeal

Statutory Update: Accrued Paid Leave Amendments in CA, IL and MN; 2024 PFML Benefits and Rates; January 1 Reminders & More

Click HERE to view and download the full Update

In this Update:

Paid Family and Medical Leave Updates

  • Delaware Paid Leave (DE PL) – regulations, deadline for grandfathered plans
  • Massachusetts Paid Family and Medical Leave – amendment

 

Accrued Paid Leave Updates

  • California Paid Sick Leave – amendment
  • Connecticut Paid Sick Leave – updated guidance and required notice
  • Chicago, IL Paid Leave and Paid Sick and Safe Leave – amendment/NEW
  • Bloomington, MN Earned Sick and Safe Time – amendment
  • St. Paul, MN Earned Sick and Safe Time – amendment

Other News

  • California Leave for Reproductive Loss – NEW

January 1 Reminders

  • Connecticut Paid Leave (CT PL) – private plan renewals
  • Colorado Family and Medical Leave Insurance (CO FAMLI) – benefits begin   
  • Illinois Paid Leave for All Workers Act – accrual begins
  • Minnesota Earned Sick and Safe Time – accrual begins, model notice available
  • New Hampshire Paid Family and Medical Leave (NH PFML) – annual enrollment
  • Other Laws Becoming Effective or Amended Effective January 1

 

2024 Paid Family and Medical Leave (PFML) Benefits and Rates

Statutory Update: Maine Enacts Paid Family and Medical Leave (ME PFML); Federal Guidance; PFML and Accrued Paid Leave Updates & More

Click HERE to view and download the full Update

In this Update:

Federal

Resources and Guidance
  • Pregnant Workers Fairness Act (PWFA) – updated worksite poster, proposed regulations
  • Recent Guidance – FMLA, ADA     

State and Local

Family and Medical Leave
  • Colorado Family and Medical Leave Insurance (CO FAMLI) reminder, regulations update
  • Massachusetts Parental Leave Act (MPLA) (unpaid) – updated guidance, updated required notice
  • Maine Paid Family and Medical Leave (ME PFML) NEW
  • New York Disability Benefits Law (NY DBL) – regulations update
  • Oregon Paid and Unpaid Family and Medical Leave (OR PFML and OFLA) – amendments, regulations update
  • Rhode Island TDI and TCI – maximum benefit increase effective 7/1/23
  • Washington Paid Family and Medical Leave (WA PFML) – amendments, regulations update
  • Tennessee Paid Family and Medical Leave Tax Credit NEW  
  • Paid Family Leave as a Class of Insurance – Alabama, Florida, Texas
  Accrued Paid Leave
  • Colorado Healthy Families and Workplaces Act amendment, updated required notice
  • Connecticut Paid Sick Leave – amendment
  • St. Paul, Minnesota Earned Sick and Safe Time – regulations update
  • Oregon Paid Sick Time – regulations update
  • Washington Paid Sick Leave – amendment
  • Seattle, WA Paid Sick and Safe Time for Gig Workers – NEW
Other News
  • Anaheim, CA Hotel Worker Protections – NEW
  • Illinois – New and Amended Legislation                                                                                                                                                                               
    • Victims’ Economic Security and Safety Act (VESSA) – amendment
    • Child Extended Bereavement Leave – NEW
    • Blood and Organ Donation Leave – amendment
  • Louisiana Leave for Genetic Testing and Cancer Screening – NEW
  • Minnesota Voting Leave – amendment
  • Nevada Domestic Violence Leave – amendment
  • New Hampshire Accommodations for Nursing Mothers – NEW
  • Oregon Leave for Victims of Domestic Violence, Sexual Assault or Stalking – amendment

Statutory Update: COVID-19 Legislation; 2023 PFML Benefits & Rates, Important Reminders

COVID-19 Legislation

State and Local

Emergency Paid Sick Leave Updates

California COVID-19 Supplemental Paid Sick Leave (SPSL)

California’s statewide SPSL requirements expire December 31, 2022. As of today there is no indication that they will be extended or reinstated, especially given the mayor’s October 17 announcement that the state’s COVID-19 State of Emergency will end on February 28, 2023. Any employee on leave as of the law’s expiration date may finish taking leave.

Los Angeles City, CA COVID-19 Supplemental Paid Sick Leave (SPSL)

The City of Los Angeles Office of Wage Standards’ website has been updated to reflect that, as a result of the mayor’s and the City Council’s actions to end the COVID-19 Emergency Declaration on February 1, 2023, SPSL requirements will expire on February 15, 2023.

San Francisco, CA Public Health Emergency Leave (PHEL) – Reminder

San Francisco’s permanent PHEL law became effective October 1, 2022.  Between October 1 and December 31, 2022, employers with 100 or more employees worldwide were required to make up to 40 hours of PHEL available to employees for reasons associated with the current (COVID-19) public health emergency. Beginning January 1, 2023, that entitlement increases to up to 80 hours.  More information may be found in our July 26 and September 30 Updates, as well as on the city’s Office of Labor Standards Enforcement (OSLE)’s PHEL webpage.

Colorado Public Health Emergency Leave (PHEL)

In accordance with the governor of Colorado’s November 11 Executive Order, the conditions for which PHEL may be taken during the current public health emergency have been expanded to include not only COVID-19 but also flu, respiratory syncytial virus (RSV), and similar respiratory illnesses. The expansion beyond COVID-19 does not entitle employees to an extra 80 hours of PHEL for these conditions, it simply broadens the range of conditions for which PHEL may be used.

Based on the October 13 renewal of the nationwide COVID-19 public health emergency, PHEL requirements apply until at least February 8, 2023, but will be extended if either the federal or state public health emergency declarations are renewed further. Employees may take PHEL until four weeks after the end of the public health emergency period. Guidance may be found on the Colorado Department of Labor and Employment’s HFWA webpage and in the updated INFO #6B, located here.

Employers must provide written notice of employees’ rights and responsibilities under HFWA/PHEL. Notification requirements are outlined on page 7 of INFO #6B. Providing INFO #6B to employees satisfies the individual notice requirement; the model worksite poster may be found on CDLE’s Posters webpage (see ‘Colorado Paid Leave & Whistleblower Poster’, updated June 1).

 Please see our side-by-side comparison for details on the Emergency Paid Sick Leave Laws.

Non-COVID-19 Legislation

State and Local

Paid Family and Medical Leave Updates

Important Reminders

Colorado Family and Medical Leave Insurance (CO FAMLI)

  • Contributions toward the program begin January 1, 2023 (rate information is in the table below). Benefits begin January 1, 2024.
      • The Employer FAQ instruct that FAMLI premium deductions should be taken post-tax, and reported on IRS form W-2 in Box 14, with “FAMLI” as the label.
  • Premium remittance and wage reporting are due quarterly, no later than the last day of the month immediately following the end of the quarter.  Premiums and reporting for the first quarter of 2023 will be due April 30, 2023.
  • The MyFAMLI+ Employer portal is now open for registration; employers must register before the first premium payments are due (April 30, 2023). Registration may be completed through the MyFAMLI+ Employer webpage, which also features User Guides and other resources.
  • Employers must post a notice in a prominent location in the workplace and notify its employees in writing, at hire and upon learning of an employee experiencing an event that triggers a need for leave.  The model notice may be found in the FAMLI Toolkit in multiple languages.

Private plans:

  • Applications for Private Plans are not yet being accepted; therefore, all employers subject to the law must begin contributing to the program beginning January 1, 2023.
  • Per the Private Plan rules effective December 30, 2022 (view the complete Private Plan rules here):
    • Private plan applications must be submitted to the FAMLI Division no later than 60 days prior to the requested effective date.
    • Applications must be submitted by October 31, 2023 for a January 1, 2024 effective date.
    • Employers with an approved private plan effective no later than January 1, 2024, may apply to the Division for reimbursement of premiums paid in 2023, minus the required private plan administration fee. Once an approved private plan is in effect, the employer is no longer required to remit premiums or submit wage reports, but must continue to maintain internal records.
      • If an employer collects premium contributions from its employees in 2023, and the Division later reimburses the employer for premiums remitted in 2023, the employer must reimburse its employees for any premium contributions collected, unless the terms of the approved private plan allow the employer to collect premiums from employees in 2023.
    • Private plans must cover all of the employer’s employees localized in Colorado, and provide all of the same rights, protections and benefits provided by the FAMLI Act (see section 5.3). The cost to employees covered by the private plan may not be greater than the cost charged to employees under the state plan.
    • Associated fees (per application/Colorado FEIN):
      • $500 administration fee for applications received through 2024.
      • Self-funded private plan applications must be accompanied by a surety bond, issued by a surety company authorized to transact business in Colorado, in an amount equal to one year of total premiums;
      • Beginning in 2025, an annual maintenance fee in an amount calculated by the Division based on costs arising out of the administration of the employer’s private plan.
    • Employers sponsoring self-funded private plans must establish and maintain a separate account into which all employee contributions are deposited and kept, and from which all benefits and administrative costs may be paid.
    • Private plan approvals remain in place for 8 years. However, employers will be required to submit an annual attestation that their contact information is accurate and their private continues to satisfy requirements. Surety bonds for self-funded plans must also be reviewed annually.
      • Plan renewals must be submitted no later than 60 days prior to the renewal date.
      • Notice of material changes must be provided to the Division no later than 60 days before the changes take effect.  Employees must be notified at least 30 days in advance of a change. (See section 5.13 for examples of what constitutes a material change.)

New Hampshire Paid Family and Medical Leave (NH PFML)

  • The NH PFML program begins providing benefits to state employees beginning January 1, 2023.
  • The program is voluntary for private employers.  Employers wishing to sponsor a group plan may partner with the state’s selected carrier, MetLife, or another carrier, though benefits may also be provided on a self-funded basis.
  • Employers who purchase coverage from MetLife will be eligible for a Business Enterprise Tax (BET) credit for up to 50% of the premium paid by the employer on behalf of their workers for the 6-week plan. If the 12-week plan is purchased, the employer will receive the BET tax credit equivalent for the 6-week plan.
  • Employees of employers who elect not to sponsor a group plan may purchase individual coverage directly through MetLife during the enrollment period that runs January 1 through March 2, 2023.

Eligibility:

  • Employers designated as a New Hampshire employer (i.e., with a physical presence in NH) are eligible to purchase coverage.
  • Employees working in New Hampshire for a covered employer are eligible for NH PFML benefits. Workers that are not designated as working for a NH employer are not eligible for NH PFML insurance coverage.

Benefits:

  • 60% wage replacement following a 7-day elimination period.
  • Maximum weekly benefit of 60% of SSA maximum (weekly). The 2023 SSA maximum is $160,200, making the maximum weekly benefit $1,848.46.
  • Maximum benefit duration of 6 weeks per year; group plans may offer 12 weeks.
  • Benefits for individual plans begin after a 7-month waiting period.

Reasons for Leave:

  • For the employee’s own serious health condition, when disability coverage does not apply;
  • To bond with a child during the first year of birth including placement for adoption or fostering;
  • To care for a family member with a serious health condition;
  • Any qualifying need arising out of the fact that the employee’s spouse, child, or parent is a covered military member on covered active duty;
  • To care for a covered servicemember with a serious injury or illness if the employee is the servicemember’s spouse, child, parent, or next of kin.

As noted above, the program is voluntary for private employers; however, employers opting out still have a few responsibilities:

  • Address employees’ questions and direct employees to MetLife;
  • Support the claims process by providing wage and leave information, work schedules and other benefits information to MetLife;
  • Employers with 50 or more employees must collect payroll contributions and remit premium to MetLife.
    • Upon an employee’s enrollment MetLife will notify the employer and request verification of employment. Following completion of enrollment MetLife will send a rate letter with the employee’s premium amount and remittance instructions. Although there is a 7-month waiting period for benefits, premium payment begins as of the policy effective date.
    • MetLife will send a bill/remittance statement quarterly for all premiums due.
    • Note: All communication with the employer (enrollment/deduction notification, claim notification, premium statements) will be directed to the contact the employee designates during their enrollment.  For multi-site employers this may present a challenge in that, depending on whose information the employee provides, these communications may not reach the appropriate party(-ies).  Large employers may wish to publish a communication instructing NH employees whom to designate as this contact.

More information may be found on the MetLife and NH PFML websites:

MetLife NH PFML webpage: New Hampshire Paid Family Leave (NH PFL)

NH PFML website: NH Paid Family Medical Leave

Oregon Paid Family and Medical Leave (OR PFML)

  • Contributions toward the program begin January 1, 2023 (rate information is in the table below). Benefits begin September 3, 2023.
    • Employers must hold employee contributions collected in trust for the State of Oregon and for payment to the Department of Revenue.
  • Premium remittance and wage reporting are due quarterly, no later than the last day of the month immediately following the end of the quarter.  Premiums and reporting for the first quarter of 2023 will be due April 30, 2023.
  • Employers must register on Frances Online, the portal through which employers will file OR PFML reporting, remit contributions, or apply for a Private Plan. It is also the system employees will utilize to file and track OR PFML claims beginning next September. Visit the Frances Online website for information and resources.
  • Employers must post a notice at each work site and provide it electronically or by mail to any remote workers. The model notice may be found in the Resources webpage in multiple languages.
    • The Oregon Employment Department (OED) has also provided a model notice template for employers to utilize once their Private Plan is approved and becomes effective (found under ‘More Resources’).
  • Private plans: OED began accepting OR PFML “Equivalent” plan applications on September 6.  More information on private plan requirements and the application process may be found in our September 30 Update and on the state’s Equivalent Plan and Resources webpages.

2023 PFML Benefits and Rates

California
State Disability Insurance (CA SDI) and Paid Family Leave (CA PFL)

2022

2023

Maximum Duration

SDI: 52 weeks
PFL: 8 weeks

No Change

Waiting Period

SDI: 7 days

PFL: None

Benefit Percentage

If High Quarter earnings < 1/3 of the State’s Average Quarterly Wage (SAQW): 70%


If High Quarter earnings => 1/3 of the SAQW: 60% (SAQW = 13x SAWW)

No Change


SB951 extended current benefit levels through 2024.

State Average Weekly Wage (SAWW)

$1,570

$1,651

Maximum Weekly Benefit

$1,540

$1,620

Contribution Rate
Employee-Paid

1.1%

.9%

Taxable Wage Ceiling

$145,600

$153,164

Will be eliminated in 2024 via SB951.

Maximum Employee Contribution

$1,601.60 per year

$1,378.48 per year

Required Notice

Worksite poster (Notice to Employees / DE 1857A), plus individual

Notice (DE 2515 and DE 2511) at hire and the time of need for leave


Colorado

Family and Medical Leave Insurance (CO FAMLI)

2022

2023

Maximum Duration

Benefits entitlement begins January 1, 2024

Waiting Period

Benefit Percentage

State Average Weekly Wage (SAWW)

Maximum Weekly Benefit

Contribution Rate

(Employee & Employer Paid)

Contributions begin January 1, 2023

.9%


“Small businesses” with <10 employees are not required to pay the employer contribution; employee contribution remains the same.

Maximum Employee Contribution Rate

.45%

Taxable Wage Base (SSA)

$160,200

Contribution

$1,441.80

($720.90 Employee)

per year

Required Notice

Notice posted and provided at hire and at the time of need for leave.  The 2023 model notice may be found in the FAMLI Toolkit


Connecticut

Paid Leave (CT PL)

2022

2023

Maximum Duration

12 weeks, +2 weeks for employee’s pregnancy incapacity

Family Violence: 12 days

No Change

Waiting Period

No waiting period

Benefit Percentage

95% of the employee’s Base Weekly Earnings equal to or less than 40 times the Minimum Fair Wage, plus



60% of the employee’s Base Weekly Earnings above 40 times the Minimum Fair Wage

Minimum Fair Wage (MFW)

$14/hour

(Increased from $13/hour eff. 7/1/22)

No Change for 1/1/23

Increases to $15/hour eff. 6/1/23

Maximum Weekly Benefit (60x MFW)

$840

(Increased from $780 eff. 7/1/22)

No Change for 1/1/23

Increases to $900 eff. 6/1/23

Contribution Rate

Employee-Paid

.5%

No Change

Taxable Wage Base (SSA)

$147,000

$160,200

Maximum Employee Contribution

$735 per year

$801 per year

Financial Eligibility Test

$2,325

in the highest-earning quarter of the

first 4 of the last 5 completed quarters

No Change

Required Notice

Notice posted and provided at hire, annually and at the time of need for leave.

The CT DOL has posted the Employer’s Written Notice of Employee’s Rights under CTFMLA and CTPL template on its website


Delaware

Paid Family and Medical Leave (DE PFML)

Contributions begin January 1, 2025; benefits entitlement begins January 1, 2026.


District of Columbia

Paid Family and Medical Leave (DC PFML)

2022

2023

Maximum Duration

Own Illness: 12 weeks

(Increased from 6 weeks eff. 10/1/22)

Family Care: 12 weeks

(Increased from 6 weeks eff. 10/1/22)

Bonding: 12 weeks

(Increased from 8 weeks eff. 10/1/22)

Pre-natal Medical Leave: 2 weeks

Combined maximum: 12 weeks in a 52-week period (potential for 14 weeks Pre-natal and Parental combined)

No Change

Waiting Period

None

Benefit Formula

If EAWW* =< 150% of DC min. wage x 40: 90%


If EAWW > 150% of DC min. wage x 40: 90% of 150% of DC min. wage x 40 plus 50% of the difference of the EAWW and 150% of DC min. wage x 40


*Employee’s Average Weekly Wage, as defined

DC Minimum Wage

$16.10/hour

(Increased from $15.20/hour eff. 7/1/22)

No Change for 1/1/23

Maximum Weekly Benefit

$1,049

(Increased from $1,009 for leaves beginning on or after 9/25/22)

Contribution Rate

Employer-Paid

.26%

(Reduced from .62% eff. 7/122)

Maximum Contribution

No maximum

Required Notice

Notice posted and provided at hire, annually and at the time of need for leave.

The '2022 Notice to Employees' is dated 10/2022 and includes the Maximum Weekly Benefit increase and the 10/1/22 Maximum Duration changes.


Hawaii

Temporary Disability Insurance (HI TDI)

2022

2023

Maximum Duration

26 Weeks

No Change

Waiting Period

7 Days

Benefit Percentage

58%

Maximum Weekly Benefit

$697

$765

Employee Contribution Rate

Employee- and Employer-Paid; Employer pays any balance required

Up to ½ of plan costs, max .5%

No Change

Maximum Weekly Wage Base

$1,200.30

$1,318.48

Maximum Employee Contribution

$6.00 per week

$6.59 per week

Required Notice


Maryland

Paid Family and Medical Leave (MD PFML)

Contributions begin October 1, 2023; benefits entitlement begins January 1, 2025.


Massachusetts

Paid Family and Medical Leave (MA PFML)


2022

2023

Maximum Duration

Own Illness: 20 weeks


Family Care: 12 weeks


Bonding or Qualifying Exigency: 12 weeks


Injured Servicemember: 26 weeks

Combined maximum: 26 weeks in a 52-week period

No Change

Waiting Period

7 days,

except for bonding leave immediately following pregnancy disability

Benefit Formula

80% of EAWW* =< 50% of SAWW, plus


50% of EAWW > 50% of SAWW

* Employee’s Average Weekly Wage, as defined

State Average Weekly Wage (SAWW)

$1,694.24

$1,765.34

Maximum Weekly Benefit

$1,084.31

$1,129.82

Contribution Rate

Employee- and Employer-Paid


68% Total Contribution

.56% Medical, .12% Family Care



Employers with <25 employees in MA are not required to pay the employer contribution; employee contribution remains the same.

.63% Total Contribution

.52% Medical, .11% Family Care


Employers with <25 employees in MA are not required to pay the employer contribution; employee contribution remains the same.

Maximum Employee Contribution Rate

.344%

(.224% Medical, .12% Family Care)

318%

(.208% Medical, .11% Family Care)

Maximum Wage Base (SSA)

$147,000

$160,200

Maximum Contribution

$999.60 per year

(~$505.68 Employee)

$1,009.26 per year

(~$509.44 Employee)

Financial Eligibility Test

$5,700

in earnings in the 4 quarters preceding claim

$6,000

in earnings in the 4 quarters preceding claim

Required Notice

Workplace poster plus individual notice to be provided within 30 days of hire

(employee acknowledgment required) - 2023 versions are available here.

Employers are required to give notice to employees 30 days in advance of a rate change (i.e., by December 2).


New Hampshire

Paid Family and Medical Leave Insurance (NH PFML)

2022

2023

Maximum Duration

Voluntary for private employers and individuals.


Benefit amounts at right reflect those under insured plans available through MetLife beginning January 1, 2023.


Visit the NH PFML and MetLife websites for more information.

Group Plans: 6- or 12-week options

Individual: 6 weeks

Waiting Period

7 days

Benefit Percentage

60%

Taxable Wage Base (SSA)

$160,200

Maximum Weekly Benefit

(60% of SSA Taxable Wage Base (weekly))

$1,848.46


New Jersey

Temporary Disability Insurance (NJ TDI) and Family Leave Insurance (NJ FLI)

2022

2023

Maximum Duration

TDI: 26 weeks

FLI: 12 weeks

No Change

Waiting Period

TDI: 7 days*

FLI: None

* Except for bone/organ donation and during state of emergency; payment is retroactive if disability lasts longer than 21 days

Benefit Percentage

85%

Maximum Weekly Benefit

$993

$1,025

State Average Weekly Wage (SAWW)

$1,419.52

$1,465.18

Employee Taxable Wage Base

$151,900

$156,800

Employee Contribution Rate

NJ TDI is Employee- and Employer-Paid, Employer contribution rate varies;

NJ FLI is Employee-Paid

TDI: .14%

FLI: .14%

TDI: .0%

FLI: .06%

Maximum Employee Contribution

TDI: $212.66

FLI: $212.66

per year

TDI: N/A

FLI: $94.08

per year

Employer Taxable Wage Base

$39,800

$41,100

Alternative Earnings Test

$12,000 

in the first 4 of the last 5

completed quarters preceding claim

$13,000  

in the first 4 of the last 5

completed quarters preceding claim

Base Week Amount

$240

for 20 weeks

$260

for 20 weeks

Required Notice

Notice posted in the workplace and provided at hire and at the time of need for leave.


Employers with self-funded private plans must also post an "Annual Notice to Employees”. This notice must be updated annually and a copy sent to the Private Plan Compliance Section. A sample is included in the Self-Insured Private Plan Guide.


New York

Disability Benefits Law (NY DBL)

2022

2023

Maximum Duration

26 weeks

Max. 26 weeks in a 52-week period combined with NY PFL

No Change

Waiting Period

DBL: 7 days

Benefit Percentage

50%

Maximum Weekly Benefit

$170

Employee Contribution Rate

Employee- and Employer-Paid; Employer pays any balance required

.5%

Maximum Employee Contribution

$31.20 per year

Required Notice

Posted Notice of Compliance (DBL-120 for insured plans) or Certificate of Participation in Group Disability Self-Insurance (DB-120.2 for self-funded plans), as well as a Statement of Rights (DB-271S) provided at the time of need for leave.


New York

Paid Family Leave (NY PFL)

2022

2023

Maximum Duration

12 weeks

Max. 26 weeks in a 52-week period combined with NY DBL

No Change

Note: 2021’s S2928A added siblings as covered family members effective January 1, 2023

Waiting Period

None

Benefit Percentage

67%

State Average Weekly Wage (SAWW)

$1,594.57

$1,688.19

Maximum Weekly Benefit

$1,068.36

$1,131.08

 Contribution Rate

Employee-Paid

.511%

.455%

Maximum Employee Contribution

$423.71 per year

$399.43 per year

Required Notice

Posted Notice of Compliance (PFL-120 for insured plans, employers with self-funded plans may request from NY WCB), as well as a Statement of Rights (PFL-271S – 2023 version available) provided at the time of need for leave.


Oregon

Paid Family and Medical Leave (OR PFML)

2022

2023

Maximum Duration

Benefits entitlement begins

September 3, 2023

12 weeks per 12-month period, with an additional 2 weeks for pregnancy limitations.


An employee may be eligible for up to 16 weeks (18 weeks with pregnancy limitations) of paid OR PFML and unpaid OR Family Leave Act (OFLA) leave in a Benefit Year.

Waiting Period

None

Benefit Percentage

If EAWW* =< 65% of SAWW: 100%


If EAWW > 65% of SAWW: 65% of SAWW plus 50% of EAWW that is greater than SAWW



*Employee’s Average Weekly Wage, as defined

State Average Weekly Wage (SAWW)

Currently $1,224.82 (7/1/22-6/30/23)

Changes each July 1


Please Note: We previously reported the current SAWW as $1,325.24 per Bulletin No. 111 re: Workers Compensation. We apologize for any confusion.

Maximum Weekly Benefit

(120% of SAWW)

$1,469.78 based on current SAWW

Contribution Rate

(Employee and Employer Paid)

Contributions begin January 1, 2023

1.0%



Employers with <25 employees nationwide are not required to pay the employer contribution; employee

Maximum Employee Contribution Rate

.6%

Taxable Wage Base

$132,900

Maximum Contribution

$1,329

($797.40 Employee)

Required Notice

No later than January 1, 2023, employers must post the model notice (found on the Resources webpage) at each work site and provide it electronically or by mail to any remote workers.

Note: OED has also provided a model notice template for employers to utilize once their Private Plan is approved and becomes effective (found under ‘More Resources’).


Puerto Rico

Seguro por Incapacidad No Ocupacional Temporal (SINOT)

2022

2023

Maximum Duration

26 weeks

No Changes

Waiting Period

7 days,

except for hospitalization

Benefit Percentage

65%

Maximum Weekly Benefit

$113


Employee Contribution Rate

(Employee and employer paid)

.6% of first $9,000 of earnings

Maximum Contribution

.3% of first $9,000 of earnings

$27 per year

Required Notice

Worksite poster as well as individual certificate/notice of benefits


Rhode Island

Temporary Disability Insurance (RI TDI) and Temporary Caregiver Insurance (RI TCI)

2022

2023

Maximum Duration

TDI: 30 weeks

TCI: 5 weeks

Combined maximum: 30 weeks in a 52-week period

TDI: No Change

TCI: 6 weeks

Combined maximum: 30 weeks in a 52-week period

Waiting Period

TDI: None*

TCI: None

* Benefits are paid retroactively to first day if disability lasts at least 7 days

No Change

Benefit Percentage

4.62% of wages paid in the highest quarter of the Base Period

No Change

Maximum Weekly Benefit

$1,007; $1,359 with dependency allowance

(7/1/22 - 6/30/23)

Contribution Rate

Employee-Paid

1.1%

No Change

Taxable Wage Base

$81,500

$84,000

Maximum Employee Contribution

$896.50 per year

$924.00 per year

Financial Eligibility Test

$14,700 in Base Period earnings; or

  • $2,450 in at least one Base Period quarter;

  • Base Period taxable wages at least 1.5x highest quarter of earnings; and

  • $4,900 of taxable wages in Base Period.

$15,600 in Base Period earnings; or

  • $2,600 in at least one Base Period quarter;

  • Base Period taxable wages at least 1.5x highest quarter of earnings; and

  • $5,200 of taxable wages in Base Period.

Required Notice

Worksite poster

(2023 version of the Combination Poster is available here)


Washington

Paid Family and Medical Leave (WA PFML)

2022

2023

Maximum Duration

Own Illness: 12 weeks; +2 weeks for pregnancy incapacity (PI)


Family Care: 12 weeks


Combined maximum: 16 weeks in a 52-week period (18 weeks w/PI)

No Change

Waiting Period

7 days,

except for medical leave for childbirth (eff. 6/9/22), bonding leave or qualifying exigency

Benefit Formula

If EAWW* =< 1/2 SAWW: 90%


If EAWW > 1/2 SAWW: 90% of 1/2 of the SAWW plus 50% of the difference of the EAWW and 1/2 of the SAWW


*Employee’s Average Weekly Wage, as defined

State Average Weekly Wage (SAWW)

$1,475

$1,586

Maximum Weekly Benefit

Based on 90% of SAWW

$1,327

$1,427

Contribution Rate

Employee- and Employer-Paid

.6% Total Contribution


Employers with <50 employees in WA are not required to pay the employer portion of premium; employee contribution remains the same.

.8% Total Contribution


Employers with <50 employees in WA are not required to pay the employer portion of premium; employee contribution remains the same.

Maximum Employee Contribution Rate

73.22% of Total Contribution

(~.4393% of wages)

72.76% of Total Contribution

(~.582% of wages)

Maximum Wage Base (SSA)

$147,000

$160,200

Maximum Contribution

$882 Total

(~$645.80 Employee)

per year

$1,281.60 Total

(~$932.49 Employee)

per year

Required Notice

Worksite poster, plus individual Statement of Employee Rights (“Employer to Employee Notice”) at the time of need for leave (2023 version of the poster is available)

Please contact your MMA account team members with specific questions about this or other updates, and stay up to date with the latest news and information by subscribing to the MMA ADL blog: https://mma-adl.com/blog/

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affected if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change. d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131. Copyright © 2022 Marsh & McLennan Agency LLC. All rights reserved. MarshMMA.com