| Program Brand Name |
Family & Medical Leave Insurance (FAMLI) |
Connecticut Paid Leave |
Disability Benefits Law (DBL) / Paid Family Leave (PFL) |
Paid Family and Medical Leave (PFML) |
Temporary Disability Insurance (TDI)† |
Paid Leave Oregon |
| State Product That ShelterPoint Offers |
Family & Medical Leave Insurance (FAMLI)
It is comprised of:
Medical Leave (self-care) and Family Leave - bonding with a new baby (birth/foster/adopted); caring for a family member with a serious health condition; military exigencies (e.g., to make arrangements for deployment) or "Safe Leave" to address domestic violence or sexual assault.
|
Connecticut Paid Leave
It is comprised of:
Medical Leave (self-care) which also includes benefits for incapacitation during pregnancy, to serve as an organ or bone marrow donor or if an employee is experiencing family violence, and Family Leave - bonding with a new baby
(birth/foster/adopted); or caregiving to a family member with a serious health condition or a family member who is also a service member injured during active duty, or for military exigency.
|
Disability Benefits Law (DBL)
It is New York’s statutory short-term disability insurance benefit (self-care) for eligible workers
Paid Family Leave (PFL)
It is New York’s statutory caregiver leave for working families to bond with a new baby (birth/foster/adopted), to care for a family member with a serious health condition including organ donation and/or for military exigency
|
Paid Family & Medical Leave (MA PFML)
It is comprised of:
Medical Leave (self-care) and Family Leave - bonding with a new baby (birth/foster/adopted); or caregiving to a family member with a serious health condition or to care for a family member who is a covered service member with
a serious health condition related to their service; or for a qualifying military exigency.
 |
Temporary Disability Insurance (TDI)†
It is New Jersey’s statutory short-term disability insurance benefit (self-care) for eligible workers
Family Leave Insurance (FLI)
 NOT CURRENTLY OFFERED
|
Paid Leave Oregon
It is comprised of:
Medical Leave (self-care) and Family Leave - bonding with a new baby (birth foster or adopted); or caregiving to a family member with a serious health condition; or safe leave (you/your child are a survivor of sexual assault/domestic violence/harassment/stalking).
|
| Policy/Coverage Format That ShelterPoint Offers |
Private Plan in form of a Paid Family & Medical Leave (PFML)
policy. |
Private Plan in form of a Paid Family & Medical Leave (PFML) policy. |
DBL is the main policy with PFL added as a rider |
Private Plan in form of a Paid Family & Medical Leave (PFML) policy. |
TDI policy only |
Paid Leave Equivalent Plan in form of a Paid Family & Medical Leave (PFML) policy.
Underwritten by: ShelterPoint Insurance Company. (Shelter-Point Life Insurance Company is not licensed in OR) |
| ShelterPoint Minimum Group Size |
1+ |
1+ |
1+ |
1+ |
25+ |
25+ |
| Who Must be Licensed |
Agency + Agent |
Agency + Agent |
Agency or Agent |
Agency + Agent |
Agency + Agent |
Agency + Agent |
License Needed
(+W9, E&O and signed Producer Agreement needs to be on file for commission payouts) |
COLORADO LICENSE:
Accident & Health |
CONNECTICUT LICENSE:
Accident & Health or Sickness |
NEW YORK LICENSE:
LA- Life Agent, LB- Life Broker
BR – Broker, PC- Property & Casualty2 |
MASSACHUSETSS LICENSE:
Health (“H”) |
NEW JERSEY LICENSE:
Accident & Health or Sickness |
OREGON LICENSE:
Life, Accident & Health
|
Quoting Options1 by Group Size
Fully underwritten
(regardless of group size)
|
1-9 Lives: Guaranteed rate 0.45%
If the group meets these criteria:
- 1-9 Lives:
- 60% or less female employees
- The industry is NOT Transportation, Healthcare, Social Services or Auto Dealers
Please Note: Both the total group size and total lives in CO must be 9 or less lives to be applicable to the above.
10-24 Lives: Guaranteed rate 0.81%
- 10-24 Lives:
- 60% or less female employees
- The industry is NOT Transportation, Healthcare, Social Services, or Auto Dealers
Please Note:Both the total group size and total lives in CO must be between 10-24 lives to be applicable to the above.
25+ Lives (or 1-24 lives not meeting criteria above): Fully underwritten rate
For groups with a total group size and/or total lives in CO exceeding 24 lives:
- Your company’s full information, including full legal name, address, and SIC code
- Census with employees working at your CO location(s)
- Gender
- Employment status (FT or PT)
- Date of Birth
- Total wages
- Desired effective date
If needed, we may require additional information |
1-10 Lives: Guaranteed rate 0.40%
If the group meets these criteria:
- 1-10 Lives:
- 60% or less female employees
- The industry is NOT Transportation or Healthcare
Please Note: Both the total group size and total lives in CT must be 10 or less lives to be applicable to the above.
11-24 Lives (or 1-10 lives not meeting criteria above):
Field Underwritten rate
Census in an Excel template
25+ Lives (or 1-24 lives not meeting criteria above): Fully underwritten rate
For groups with a total group size and/or total lives in CT exceeding 24 lives:
- Your company’s full information, including full legal name, address, and SIC code
- Census with employees working at your CT location(s)
- Gender
- Employment status (FT or PT)
- Date of Birth
- Total wages
- Desired effective date
If needed, we may require additional information |
1-49 Lives: Per-capita rates
No quote needed, just use the rate card.
Enhanced DBL benefit options at 1.5x-, 2x-, 3x-, 4x-, 5x-statutory DBL available.
For easy calculation or client presentation, use our online quoting tool.
For 50+ lives: Fully underwritten
What’s needed to quote: Census: gender and total wages (compensation including bonus, commission, etc.)
If a group is already fully insured:
2-3 years of experience (premium vs. claims) and rate history, including current & renewal rates
If a group is in the State Plan: Same as fully insured. |
1-24 lives: Guaranteed rate 0.40%
If the group meets these criteria:
- 1-24 Lives:
- 60% or less female employees
- The industry is NOT Transportation, Healthcare, Social Services, or Auto Dealers
- Does NOT have group life insurance
Please Note: Both the total group size and total lives in MA must be 24 or less lives to be applicable to the above.
25+ Lives: (or 1-24 lives not meeting criteria
above): Fully underwritten rate
For groups with a total group size and/or total lives in MA exceeding 24 lives:
- Your company’s full information, including full legal name, address, and SIC code
- Census with employees working at your MA location(s)
- Gender
- Employment status (FT or PT)
- Date of Birth
- Total wages
- Desired effective date
If needed, we may require additional information |
Fully underwritten
(regardless of group size)
What’s needed to quote: Census: gender and total wages (compensation including bonus, commission, etc.)
If a group is already fully insured: 2-3 years of experience (premium vs. claims) and rate history, including current & renewal rates
If a group is in the State Plan: AC-174 for the last 4 years |
What’s needed to quote:
- Your company’s full information, including full legal name, address, and SIC code
- Census with employees working at your OR location(s)
- Gender
- Employment status (FT or PT)
- Date of Birth
- Total wages
- Desired effective date
If needed, we may require additional information
If a group is already fully insured:
2-3 years of experience (premium vs. claims) and rate history, including current & renewal rates |
| Additional Quoting Requirements |
Number of total workers and number of workers eligible for the state’s PFML/FAMLI coverage
If other STD, paid parental/family leave benefits, or statutory plan is in place, specific information may be required. |
Number of total workers and number of workers eligible for the state’s PFML/FAMLI coverage
If other STD, paid parental/family leave benefits, or statutory plan is in place, specific information may be required. |
N/A |
Number of total workers and number of workers eligible for the state’s PFML/FAMLI coverage
If other STD, paid parental/family leave benefits, or statutory plan is in place, specific information may be required. |
N/A |
Number of total workers and number of workers eligible for the state’s PFML/FAMLI coverage. If other STD, paid parental/family leave benefits, or statutory plan is in place, specific information may be required. |
Effective Date of Policy
(Please note: New business submissions must be complete and provided to ShelterPoint no less than 5 business days prior to the respective state-specific filing deadline prior to the desired effective date of the policy.)
|
From the State Plan:
Any day after 60 days past the date of the application
From one private plan to another:
Any day after 60 days past the date of the application |
From the State Plan:
1st day of upcoming quarter (Jan 1, Apr 1, Jul 1, Oct 1) following the private plan exemption approval
From one private plan to another:
Any day of the year |
From the State Plan:
Any day with a 30-day notice
From one private plan to another:
Any day of the year |
From the State Plan:
1st day of upcoming quarter (Jan 1, Apr 1, Jul 1, Oct 1) following the private plan exemption approval
From one private plan to another:
Any day of the year |
From the State Plan:
1st day of upcoming quarter (Jan 1, Apr 1, Jul 1, Oct 1)
From one private plan to another:
Any day of the year |
From the State Plan:
1st day of upcoming quarter (Jan 1, Apr 1, Jul 1, Oct 1) following the Equivalent Plan approval
From one Equivalent Plan to another:
on the first day of the calendar quarter immediately following the date of approval.
Note: Paid Leave Oregon has up to 30 days to issue a
decision on an equivalent plan |
| Policyholder Information Needed |
- Policyholder Name and Address - (Legal Entity)
- Nature of Business/SIC Code
- Broker Name, Address and Contact Person/Email Address
- Broker Commission Level (if other than standard scale)
- Due Date (see further up for Effective Date options)
- Desired Effective Date of policy
|
- Policyholder Name and Address - (Legal Entity)
- Nature of Business/SIC Code
- Broker Name, Address and Contact Person/Email Address
- Broker Commission Level (if other than standard scale)
- Due Date (see further up for Effective Date options)
- Desired Effective Date of policy
|
- Policyholder Name and Address - (Legal Entity)
- Nature of Business/SIC Code
- Broker Name, Address and Contact Person/Email Address
- Broker Commission Level (if other than standard scale)
- Due Date (see further up for Effective Date options)
- Desired Effective Date of policy
|
- Policyholder Name and Address - (Legal Entity)
- Nature of Business/SIC Code
- Broker Name, Address and Contact Person/Email Address
- Broker Commission Level (if other than standard scale)
- Due Date (see further up for Effective Date options)
- Desired Effective Date of policy
|
- Policyholder Name and Address - (Legal Entity)
- Nature of Business/SIC Code
- Broker Name, Address and Contact Person/Email Address
- Broker Commission Level (if other than standard scale)
- Due Date (see further up for Effective Date options)
- Desired Effective Date of policy
|
- Policyholder Name and Address - (Legal Entity)
- Nature of Business/SIC Code
- Broker Name, Address and Contact Person/Email Address
- Broker Commission Level (if other than standard scale)
- Due Date (see further up for Effective Date options)
- Desired Effective Date of policy
|
In Addition to Our Application, What Documentation is Needed
in the Process of Obtaining ShelterPoint Coverage?
(Note: License and appointment must be cleared by ShelterPoint prior to policy issuance, see above for what’s needed)
|
 ShelterPoint Quote Proposal
ShelterPoint Sample Policy
(We provide to employer to submit on MyFAMLI+ Employer Portal when applying for a private plan exemption)
Copy of state application approval
(Return to ShelterPoint once received from the state with signed application) |
ShelterPoint Quote Proposal
Copy of employer-completed Plain Language Guide
(We provide to employer to distribute to employees prior to employee vote; to be submitted to state with exemption application and to us with SPL application)
ShelterPoint Sample Policy
(We provide to employer to distribute to employees prior to employee vote; to be submitted to state with exemption application.)
Copy of state exemption approval
(Return to ShelterPoint once received from the state with signed application and signed Employer Tax Agreement) |
No other document needed |
ShelterPoint Quote Proposal
Confirmation of Policy Number Form (COI)
(Will be issued during the application process; have it signed and uploaded on MassTaxConnect)
Copy of state exemption approval
(Return to ShelterPoint once received from the state along with signed application)
|
ShelterPoint Quote Proposal
DP-1 Form
(State application which must accompany the ShelterPoint app. Download it at shelterpoint.com)
|
ShelterPoint Quote Proposal
ShelterPoint Sample Policy
(We provide to employer to submit Frances Online when applying for an Equivalent Plan approval)
Copy of state application approval
(Return to ShelterPoint once received from the state with signed application) |
| Is State Approval Needed?
|
 Yes, initially
Then every eighth year upon private plan renewal approval through client's account on MyFAMLI+ Employer
- Sample Policy
- Employer attestations:
- Certifying that the private plan satisfies the requirements set by the FAMLI Act, and
- Confirming that the private plan’s forms will be as simple to use as the state plan’s forms for employees
and/or health care providers (such as claim forms)
- Admin contact information is correct
- A copy of the posted notice
- Application Fee of $500.00 for private plan applications received through 2024
|
Yes, initially
Then every third year upon exemption renewal
- Sample Policy
- Fully completed Plain Language Guide
- Data about the employee vote
- Data about the employee vote
- Certain attestations, for example that employees were not threatened or coerced in connection with the voting process, and that the voting process was completed in compliance with the Connecticut Paid Family and Medical Leave Authority’s requirements.
|
No |
Yes, initially
Then annually upon exemption renewal through client's account on MassTaxConnect.
(Confirmation of Insurance Form) |
Yes
With initial application, unless there is a plan change.
(DP-1 form)3 |
Yes, initially
Then annually for the first 3 years, at least 30 days prior to the anniversary date1 via Frances Online, including the following:
- Sample Policy
- Information on the carrier the Equivalent Plan is with, employer information including business name, address, contact individual
- Completed questionnaire showing that the plan meets all requirements for equivalent plans
- Information about the insurance policy and carrier
- Application fee of $250 for initial approval and $150 for reapproval1
1 Note: When substantive changes are made to a plan and it is reapproved with substantive changes, a $250 reapproval fee is due; and the employer must apply for reapproval again annually for the following 3 years
– unless the changes were due to legal changes to the Paid Leave Oregon Program, in which case the fee is waived. |
| Is a Vote Needed? |
No
A vote is not needed for Private Employers, but board vote for municipalities exists in certain situations6 |
Yes when
- changing from State Plan to private plan
- moving from one private plan to another
- whenever there is a material change initiated by the employer5
see details here
|
No |
No |
No
but does require a vote for Collective Bargaining only4 |
No |
| Letter of Acknowledgement (in advance of receiving the Policy #) |
No
we provide policy # |
Yes
policy # to follow |
Yes
policy # to follow |
Yes
policy # to follow |
Yes
policy # to follow |
Yes
policy # to follow |
| Underwritten By |
ShelterPoint Life Insurance Company |
ShelterPoint Life Insurance Company |
ShelterPoint Life Insurance Company |
ShelterPoint Life Insurance Company |
ShelterPoint Life Insurance Company |
ShelterPoint Insurance Company |
| More Information |
Visit Colorado page for more details. |
Visit Connecticut page for more details. |
Visit NY-DBL/PFL for more details. |
Visit Massachusetts page for more details. |
Visit NJ-TDI page for more details. |
Visit Oregon page for more details. |