Employers who are required to provide Statutory Short-Term Disability and/or Paid Family and Medical Leave coverage may believe their State Plan is the only option for this insurance coverage. But what many employers may not realize is that the State Plan is not their only option, depending on the state – and that there may be extra advantages of choosing an approved private plan.
That’s where you come in. A broker who advises their clients on the various options may add tremendous value in expertly balancing the overall benefits package with the right coverage option for their client’s specific situation – whether public or private. An approved private plan may be a great alternative to a State Plan from various perspectives as we will outline.
Before we go into detail, it’s important to know that there is more than one type of approved private plan: for example, an employer may self-insure their plan, fully-insure their plan through a private carrier like ShelterPoint, or offer a plan as part of a union welfare fund (depending on the state and their requirements). This guide will focus on the fully-insured approved private plan option from a carrier.
New York, as one of the states with a long history of state-mandated insurance (since 1949), has a strong public-private partnership – to help spur economic diversification and competitiveness in the best interest of employers and employees alike. More recently, states with newer statutory programs like Massachusetts (since 2021) and Connecticut (since 2022), have also built in a private plan option – though representing very different ways of envisioning and implementing it.
Dedicated sales & support team for brokers that go beyond a support hotline for service/assistance when it’s needed – helping you get the information you need quickly
Private plan resources that go beyond the application
We help make it easy for your clients by assisting with administrative actions required to file for a private plan
This PDF outlines the benefits of a fully-insured private plan option for your clients to help you get the conversation started.
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This in-depth, state-by-state comparison will help guide you on what’s needed to quote and bind ShelterPoint’s* Statutory Insurance Private Plan Coverages.
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More state-specific information, including step-by-step instructions for how to apply for a private plan in each state.
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Family & Medical Leave Insurance (FAMLI)**
Paid Family & Medical Leave (PFML)**
Temporary Disability Insurance (TDI)**
Disability Benefits Law (DBL)**
Paid Family Leave (PFL)**
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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. ShelterPoint is a registered service mark.
**Underwritten by: ShelterPoint Life Insurance Company (principal office in Garden City, NY).
***Availability of specific tools and ABCs vary by state
This page is for informational purposes only and is not intended to provide legal counsel. Please consult with an appropriate professional for legal and compliance advice.
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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.
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