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Paid Family & Medical Leave (PFML) is a state mandated benefit that provides partially paid time off for specific family and medical events, such as bonding, caregiving, and recovery.

Employers in certain states are required to offer PFML coverage—either through the state program or an approved private plan. That’s where we come in. We help producers and employers navigate PFML requirements with compliant private plan solutions, expert guidance, and ongoing support.

Behind every Paid Family & Medical Leave insurance claim is a story of care, love, and resilience. With us by your side, you have a partner during moments that matter with PMFL coverage that cares. From recovery to bonding and caregiving, we help protect income through life’s highs and lows. All while providing a smooth experience and investing in growing our capabilities, powered by our dedication to being an industry leader in Paid Family & Medical Leave.

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Compare Paid Family & Medical Leave Requirements by State

Quickly view PFML requirements in your state, review key program details in a simple summary, and compare programs side by side—all in one easy, printable resource.

Use our State Comparison
Private Insurance Plan Discussion
Learn About Private Plan Options

In states that allow it, employers can meet Paid Family & Medical Leave requirements through approved private plans. See how ShelterPoint combines expertise, support, and care to deliver a smooth PFML experience.

Explore Private Plan Options
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Build your Paid Family & Medical Leave knowledge with ShelterPoint’s webinars, events, and conference sessions—clear, practical PFML education to help guide you every step of the way.

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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)
  • Private Option: Yes

LEARN MORE   

Connecticut

  • Paid Family & Medical Leave (PFML)
  • Private Option: Yes

LEARN MORE   

Delaware

  • Delaware Paid Leave
  • Private Option: Yes
  • Benefits begin Jan. 1, 2026
LEARN MORE   

Maine

  • Paid Family & Medical Leave (PFML)
  • Private Option: Yes
  • Benefits begin May 1, 2026
LEARN MORE   

Maryland

  • Paid Family & Medical Leave (PFML)
  • Private Option: Yes
  • Benefits will be available no sooner than January 1, 2027, and no later than January 3, 2028.

LEARN MORE   

Minnesota

  • Minnesota Paid Leave
  • Private Option: Yes
  • Benefits begin Jan. 1, 2026
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 ShelterPoint2 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 Leave Oregon1
  • Private Option: Yes
LEARN MORE   

Underwritten by ShelterPoint Insurance Company, a FL-domiciled company that is licensed in Oregon.

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.
Need PFML Guidance? Get information on requirements, coverage options, and next steps from our PFML experts.

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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1Policies for Private Plans of Statutory Benefit Programs are underwritten by ShelterPoint Life Insurance Company (principal office in Garden City, NY) in NY, NJ, CT, MA, CO; and underwritten by ShelterPoint Insurance Company (a FL-domiciled carrier) in OR.


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