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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 becoming a required benefit in an increasing number of states in the US. Whether an employer chooses to obtain this insurance coverage through the state or from a private carrier, it provides partially-paid time-off for certain family and/or medical reasons. The specific requirements and benefits, however, vary from state to state. 

Choose Your State

While state-mandated Paid Family & Medical Leave, Paid Family Leave, and Short-Term Disability laws cover 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.


States1 ShelterPoint2 Offers Statutory Coverage In
  Colorado   Connecticut   Delaware   Maine   Maryland   Massachusetts   Minnesota   New Jersey   New York   Oregon
Other States with Statutory Benefits
  California   District of Columbia   Hawaii   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)
  • 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
Until ShelterPoint’s Delaware content becomes available, you can learn more on the official state site.

Maine

  • Paid Family & Medical Leave (PFML)
  • Private Option: Yes
  • Benefits begin May 1, 2026
Until ShelterPoint’s Maine content becomes available, you can learn more on the official state site.

Maryland

  • Paid Family & Medical Leave (PFML)
  • Private Option: Yes
  • Benefits begin Jul. 1, 2026
Until ShelterPoint’s Maryland content becomes available, you can learn more on the official state site.

Minnesota

  • Minnesota Paid Leave
  • Private Option: Yes
  • Benefits begin Jan. 1, 2026
Until ShelterPoint’s Minnesota content becomes available, you can learn more on the official state site.

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.

Your Statutory Benefits Partner1

ShelterPoint2 has been providing state-required benefits since 1974.3

Quintessentially, 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.

In New York alone, more than 196,000 employers with 2.0 million employees4 trust us to help them strike the right balance between coverage and cost to comply with state regulations and complete their benefit equation.


 

State comparison Tool screen

Interactive State Comparison Guide


It’s now easier than ever to compare statutory Paid Family & Medical Leave programs across multiple states with our new comparison tool – including rates, benefits, and much more side by side. Get information tailored to your needs – instantly. Bookmark the PFML State Comparison Tool today!

Compare Now
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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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Caring for old man next to a hospital bed

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Statutory Benefit Programs Are What We Do.

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More Information for Producers &  Employers

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For new producers

If you’re a Producer, everything you need to start working with us is right here.

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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
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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
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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.

2The 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.

3Applies to ShelterPoint Life Insurance Company only.

4Based upon ShelterPoint Life Insurance Company DBL/PFL policyholder and certificate holder count as of 12/31/23 – applies to ShelterPoint Life Insurance Company only.

5ShelterPoint reserves the right to re-evaluate product availability pending final regulations.

 

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Copyright © 2024. 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.
Policies 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. 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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