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Minnesota’s Paid Family & Medical Leave (PFML) program goes live on January 1, 2026. If you’re planning to offer an Equivalent (Private) Plan, the clock is ticking.
Key dates to remember:
- Apply by November 1, 2025 (no later than November 10th)
- Employer portal opened July 1, 2025
- Effective dates must start at the beginning of a quarter (1/1, 4/1, 7/1, 10/1)
- Submit applications at least 7 weeks before your chosen start date
The exemption process comes down to 4 steps — from registering in the UI system to submitting your Private Plan application.
We’ve put all the details into a step-by-step flyer so you don’t miss a thing:
Get ahead of the deadlines now and make sure your business is ready when PFML benefits begin.
1The ShelterPoint family of companies operates under the “ShelterPoint” name strictly as a marketing name, and no legal significance is expressed or implied. The ShelterPoint family of companies consists of ShelterPoint Life Insurance Company a NY-domiciled carrier (principal office in Garden City, NY) and its wholly-owned subsidiary ShelterPoint Insurance Company, a FL-domiciled carrier, with licensing depending on the state.
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 Minnesota’s applicable laws and regulations as of the publication date and may change as regulations evolve or Minnesota Department of Employment and Economic Development 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.
Minnesota’s Paid Leave Act (as reflected in Minn. Stat. § 268-B.01 et seq) and its implementing Regulations (proposed Minn. R. §3317.0010 et seq.) established by the Minnesota Department of Employment and Economic Development govern this Private Plan and its interpretation and administration. Available in MN only.
Underwritten by: ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: MN (form# SPL PFMLP 0125 MN); rates subject to approval by the Minnesota Department of Commerce.