Colorado Family & Medical Leave Insurance (FAMLI) is Colorado’s version of a state-mandated Paid Family & Medical Leave (PFML) program. FAMLI ensures that working families in Colorado have job-protected, partially paid time off for certain qualifying events like bonding with a new child, care for a seriously ill family member, self-care, and more. Learn more about the benefits here.
Generally speaking, private sector employers have to provide this benefit, while public sector employers like Local Governments have the option to opt out.
While most Colorado businesses need to have CO Family & Medical Leave Insurance in place for eligible employees, they have the option to provide this benefit through the State Plan or through an approved Private Plan.
It’s an alternative to Colorado’s FAMLI State Plan and can be either self-insured by the employer or fully insured through an approved insurance carrier like ShelterPoint*. An approved Private Plan must at least meet or exceed the rights, protections, and benefits of the State Plan.
Employers have the option to withhold a smaller percentage of employee contribution (or withhold no contribution at all) as an extra perk – as long as they remit the full premium due to the FAMLI Division or their approved Private Plan insurance carrier. Please visit our Premium & Contributions page for more information on the cost of the program.
The CO FAMLI Division’s Premium & Benefits calculator is a useful tool to estimate an employee’s contribution (if required) and benefits payout.
Unless they work for a federal or local government entity or are self-employed, most Colorado employees must participate in this state-required program.
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Forms - Application - CO – FAMLI Private Plan
Forms - Claims - Bonding Leave
Forms - Claims - Family Caregiving Leave
Forms - Claims - Safe Leave
Forms - Claims - Medical Leave Self Care
Forms - Claims - Military Exigency
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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 CO’s applicable laws and regulations as of the publication date and may change as regulations evolve or CO 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.
The Colorado Paid Family and Medical Leave Insurance Act § 8-13.3-501 et seq., C.R.S and its implementing regulations including 7 CCR 1107-1, et seq. govern this Private Plan and its interpretation and administration. Available in CO only.
Underwritten by: ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: CO (form# SPL PFMLP 0325 CO).