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The finalized rules for Maryland’s Paid Family and Medical Leave (PFML) program have been published. We now have more clarity about how to prepare for the implementation of Maryland’s PFML under the Time to Care Act.
Read the full Maryland PFML regulations.
While the statutory timelines remain unchanged, the final regulations clarify key administrative requirements, employer responsibilities, and private plan options. For employers with Maryland employees, now is the time to start planning.
Get a quick refresher on Maryland’s PFML here.
When is the Maryland Declaration of Intent Window?
The application window for employers who wish to submit their Declaration of Intent (DOI) will be September 1, 2026-November 15, 2026. Employers who want to offer a private plan will be able to submit their DOI at paidleave.maryland.gov during this window. The DOI application form will be released by the division at a later date.
After approval of a DOI, employers will be required to formally apply for FAMLI to approve their private plans in 2027. An employer does not need to have an approved DOI to apply for an EPIP once the Division begins accepting EPIP exemption applications.
How Brokers and Employers Can Prepare
Although contributions do not begin until 2027, brokers and employers should begin preparing now.
- Reviewing current leave and disability programs
- Evaluating state vs. private plan options
- Preparing payroll systems for PFML contributions
- Planning employee communications and notices
- Coordinating PFML with existing leave policies
Early planning will help ensure a smoother transition once payroll deductions and reporting requirements begin.
Learn more with Maryland PFML webinars on our events calendar.
Stay Up to Date on Maryland PFML
Maryland’s PFML program represents a significant change for employers and workers alike. The final regulations are an important milestone, but additional guidance and administrative details will continue to emerge as implementation approaches.
ShelterPoint is closely monitoring developments related to Maryland’s PFML program and other state leave laws. Subscribe to our blog to receive the latest insights, compliance updates, and guidance on paid family and medical leave programs.
This material is for informational purposes only and is not intended to provide legal counsel. Please consult with an appropriate professional for legal and compliance advice. Any program information is based on our knowledge and understanding of Maryland’s applicable laws and regulations as of the publication date and may change as regulations evolve or Maryland Department of Labor issues updated guidance. Further, this material is for illustrative purposes only, providing a general overview of the services described. It is not a contract nor intended as an offer of coverage.
Policies are subject to Underwriting approval. Policies are reviewed annually and may be cancelled for nonpayment. All coverage extends to limits reflected in the policy. Please refer to the policy for coverage details pursuant to its governing law, including a complete listing of covered services, provisions, conditions, exclusions, limitations, and terms under which the policy may be continued or cancelled. In the event of conflicting information with the policy and its governing Law, the policy and governing Law will take precedence over what is shown in this material. Claim payment is not guaranteed; benefit amount depends on wages. All images licensed through iStockphoto and Adobe.
Maryland’s Time to Care Act (TTCA) (as reflected in MD Code Lab. & Empl. §§ 8.3-101 et seq.) and any Rules and Regulations established by the Maryland Department of Labor FAMLI Division govern this Private Plan and its interpretation and administration. Available in MD only.
Underwritten by: ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: MD (form# pending); rates subject to approval by the Maryland Insurance Administration.