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Statutory Benefits

Paid Leave Programs


A handful of states have had mandated Short Term Disability and/or Paid Family Leave programs in place for some time. But, more recently Paid Family & Medical Leave is an insurance coverage that’s becoming a required benefit in an increasing number of states in the US. It provides partially-paid time-off for certain family and/or medical reasons, and these laws vary from state to state. 

Choose Your State

While state-mandated Paid Family & Medical Leave, Paid Family Leave, and Short-Term Disability laws reflect the same general concept, they vary by state. Benefit amounts, durations, reasons for leave, etc. differ from state to state – even down to the name of the respective program.


States ShelterPoint* Offers Statutory Coverage In**
  Colorado   Connecticut   Massachusetts   New Jersey   New York
Other States with Statutory Benefits
  California   District of Columbia   Hawaii   Oregon   Rhode Island   Washington
 

California

  • Paid Family Leave (PFL)
  • State Disability Insurance (SDI)
While ShelterPoint Life Insurance Company and ShelterPoint Insurance Company are not licensed in CA and don’t provide this coverage, you can
learn more on the official state site.

Colorado

  • Family and Medical Leave Insurance**
    (FAMLI, subject to final State Regulations)***
  • Private Option: Yes
  • Benefits begin Jan. 1, 2024
LEARN MORE   

Connecticut

  • Paid Family & Medical Leave Insurance (PFMLI)**
  • Private Option: Yes
  • Benefits begin Jan. 1, 2022

LEARN MORE   

District of Columbia

  • Paid Family Leave (PFL)
  • Private Option: No
  • Benefits begin July 1, 2020
While ShelterPoint* doesn’t provide this
coverage in District of Columbia, you can
learn more on the official state site.

Hawaii

  • Temporary Disability Insurance (TDI)
  • TDI Private Option? Yes
  • Paid Family Leave under study
While ShelterPoint* doesn’t provide this
coverage in Hawaii, you can
learn more on the official state site.

Massachusetts

  • Paid Family and Medical Leave (PFML)**
  • Private Option? Yes

LEARN MORE   

New Jersey

  • Temporary Disability Insurance (TDI)**
  • Private Option? Yes
LEARN MORE   

 

  • Paid Leave Insurance (FLI)
While ShelterPoint* doesn’t provide FLI
coverage in New Jersey, you can
learn more on the official state site.

New York

  • Disability Benefits Law (DBL)**
  • Paid Family Leave (PFL)**
  • Private Option? Yes

LEARN MORE   

Oregon

  • Paid Family and Medical Leave Insurance (PFMLI)
  • Private Option: Yes
  • Benefits begin Sept. 1, 2023
While ShelterPoint* doesn’t provide this
coverage in Oregon, you can
learn more on the official state site.

Rhode Island

  • Temporary Caregiver Insurance (TCI)
  • Temporary Disability Insurance (TDI)
  • Private Option? No
While ShelterPoint* doesn’t provide this
coverage in Rhode Isalnd, you can
learn more on the official state site.

Washington

  • Paid Family and Medical Leave (PFML)
  • Private Option? Yes
  • Benefits begin Jan. 1, 2020
While ShelterPoint* doesn’t provide this
coverage in Washington, you can
learn more on the official state site.

Your Statutory Insurance Benefits Partner

We have been providing state-required benefits since 1974.^

Statutory benefit programs are what we do: we have built the experience, scalability, and agility to expertly manage this type of coverage and continuously expand our own capabilities to provide our clients with smooth service from onboarding to claims.

More than 184,000 NY employers^^ with 1.9 million NY employees^^ trust us to help them strike the right balance between compliance, coverage and cost to complete their benefit equation.


^ Applies to ShelterPoint Life Insurance Company only.

^^ Based upon ShelterPoint Life Insurance Company policyholder and certificate holder count as of 02/26/20.

 

ShelterPoint* Offers State-Mandated Coverage In:

COLORADO


Family & Medical Leave Insurance (FAMLI)**

CONNECTICUT


Paid Family & Medical Leave (PFML)**

MASSACHUSETTS


Paid Family & Medical Leave (PFML)**

NEW JERSEY


Temporary Disability Insurance (TDI)**

NEW YORK


Disability Benefits Law (DBL)**

Paid Family Leave (PFL)**

Female Broker talking with a client

A Broker's Guide to Private Plan Options


This breakdown lays out the potential advantages of choosing a private, fully-insured Paid Family & Medical Leave plan.  Learn how it may provide a better solution for your clients – whether for their bottom line or day-to-day.

Learn More
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Statutory Benefit Programs Are What We Do.

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More Information for Producers &  Employers

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Status of Paid Family Leave Laws by State USA map of PFL law status by states

Status of Paid Family Leave Laws by State

Industry education

Get a snapshot of where state-specific Paid Family Leave Laws stand across the nation with this handy map.

Read more
Regulatory Updates Government building

Regulatory Updates

Latest news

We are here to help you navigate this ever-changing Paid Family & Medical Leave landscape. Browse our blog for the most up-to-date information as new laws are issued, or guidance is released.

Read more
With decades of experience in helping keep people INSURED,
rest ASSURED: you have found the specialists you can turn to.
CONTACT US  

Stay in The Know

At ShelterPoint, we stay on top of all the latest news, updates, and information about Paid Family & Medical Leave,
 so we can pass it on to you. Sign-up for updates now to stay in the know!

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*The 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, and its wholly-owned subsidiary ShelterPoint Insurance Company, a FL-domiciled carrier, depending on the state (see our Geographic & Jurisdictional Notice here). ShelterPoint is a registered service mark.

**Underwritten by: ShelterPoint Life Insurance Company (principal office in Garden City, NY).

***ShelterPoint reserves the right to re-evaluate product availability pending final regulations.

 

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Copyright © 2023. All rights reserved. By entering our website and accessing its content, you agree to our Terms of Use.

All policies are underwritten and administered by either ShelterPoint Life Insurance Company (principal office in Garden City, NY), or ShelterPoint Insurance Company, a FL-domiciled carrier, depending on the state. Contact Underwriting for details.
Not all products are available in all states and from each entity in the family of ShelterPoint companies. Click here to view availability by state.
For information about which company is licensed in your state, please visit our Geographic & Jurisdictional Notice.

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