image

Statutory Benefits

Massachusetts Paid Family & Medical Leave (PFML)



Preparing for MA Paid Family & Medical Leave

The Massachusetts Paid Family and Medical Leave law provides eligible employees with job-protected, partially-paid time off, effective January 1, 2021. The Family Leave component of state-required benefit can be used to bond with a new child, care for a family member who is a covered service member, care for a seriously ill family member, or attend to family matters due to a qualifying military exigency. The Medical Leave portion is for an employee’s own serious health condition.

As your statutory Short-Term Disability and Paid Family Leave experts, we’re here to help every step of the way as you prepare to comply with all the new requirements of this law.


image

 


Key Dates to Remember

  • 2021
  • 2020
  • 2019

2021

Most benefits become available at the beginning of the year, with 1 benefit starting later in July.

January 1 - Benefits begin for:

  1. Paid Medical Leave (employee’s self-care),
  2. Paid Family Leave
    • for bonding (birth, adoption, or foster care placement of a child),
    • to attend to family matters due to a qualifying military exigency,
    • to care for a family member who is a covered service member with a serious health condition.

July 1 - Benefits for Paid Family Leave to care for a family member with a serious health condition begin.

2020

January 31 - Premium payments remitted to the state for Q4 2019.

April 30 - Premium payments remitted to the state for Q1 2020.

July 30 - Premium payments remitted to the state for Q2 2020.

October 30 - Premium payments remitted to the state for Q3 2020.

2019

July 1 - MA PFML regulations became effective.

September 30 - Written notice to employees due* and state mandated poster up.

October 1 - Employee payroll deductions begun.

December 20 - Private plan exemption deadline to avoid paying first quarter of premium to state.

 

 

Learn More About Paid Family & Medical Leave in Massachusetts

Employer
Notice Requirements


Visit the MA Department of Family and Medical Leave web page detailing employer notice requirements for informing your workforce about PFML (including Workplace Poster and Employer Notice templates).

  • Step1
  • Step2
  • Step3
  • Step4
  • Step5
  • Step6
  • Step7
image
Counter

You & Your Broker

Provide your broker with the information they need to request a quote. Most carriers will have similar information requirements in order to provide your broker with a quote. But, for ShelterPoint* specifically, please provide the following information about your group through your broker:
  • Your company’s full information, including full legal name, address, and SIC code.
  • Census with employees working at your MA location(s) who are eligible for PFML (more details on employee eligibility in the section below):
    • Gender
    • Employment status (full-time, part-time, or 1099ers)
    • Age
    • Salary
  • Include part-timers who meet the eligibility requirements.
  • If more than 50% of your workforce are on a 1099-basis, you need to include them as well.
  • Desired effective date

If needed, we may require additional information.

 

 

How do you make the switch to a private plan. 

 

For your timing and planning, keep in mind that Private Plans (including pre-2021 Private Plan Exemptions) can only be made effective on the first day of a quarter, i.e., the first of the next quarter after approval.

 

NEXT

image
Counter

Private Carrier

  • Based on your information, private carrier will provide a proposal.
  • At ShelterPoint, when you have approved the proposal and instructed us to bind coverage, we will also prepare the Declaration of Insurance for you, prefilled with your information/benefit details and signed by us, which you will need to provide to the State as part of the Private Plan Exemption application.
 

 

How do you make the switch to a private plan. 

 

For your timing and planning, keep in mind that Private Plans (including pre-2021 Private Plan Exemptions) can only be made effective on the first day of a quarter, i.e., the first of the next quarter after approval.

 

NEXT

image
Counter

You

 

 

How do you make the switch to a private plan. 

 

For your timing and planning, keep in mind that Private Plans (including pre-2021 Private Plan Exemptions) can only be made effective on the first day of a quarter, i.e., the first of the next quarter after approval.

 

NEXT

image
Counter

State of Massachusetts

  • The State may reach out with questions while reviewing your application in detail.
  • Should the State have any questions, your broker and our team of experts can help you with the response
  • You should receive a decision from the State (approved or denied) within 1-2 business days after submission of your Private Plan Exemption Application.
 

 

How do you make the switch to a private plan. 

 

For your timing and planning, keep in mind that Private Plans (including pre-2021 Private Plan Exemptions) can only be made effective on the first day of a quarter, i.e., the first of the next quarter after approval.

 

NEXT

image
Counter

You & Your Broker

Your broker will then need to notify your selected carrier to issue the Paid Family & Medical Leave policy.
 

 

How do you make the switch to a private plan. 

 

For your timing and planning, keep in mind that Private Plans (including pre-2021 Private Plan Exemptions) can only be made effective on the first day of a quarter, i.e., the first of the next quarter after approval.

 

NEXT

image
Counter

Your Carrier

Your carrier will issue and send you the policy.
 

 

How do you make the switch to a private plan. 

 

For your timing and planning, keep in mind that Private Plans (including pre-2021 Private Plan Exemptions) can only be made effective on the first day of a quarter, i.e., the first of the next quarter after approval.

 

NEXT

image
Counter

You

You may have heard that employers needed to go back to the MassTaxConnect website to amend the approved exemption filing by uploading a copy of the Paid Family and Medical Leave Policy. At this point, the DFML is no longer requiring employers to submit their policy prior to the exemption renewal date. The DFML will request policy form numbers from employers at the time of exemption renewal and will update its website to describe these procedures. Sign up here to receive updates when these procedures get posted.

It’s important to remember that you will need to renew your Private Plan exemption every year!

Time flies! So we will remind you when it’s time for the renewal and guide you through that process.**

**ShelterPoint Life is under no legal obligation to provide employers/policyholders with a reminder to renew their annual private plan exemption with the DFML, and ShelterPoint Life assumes no responsibility or liability for failure to issue any such reminder notice to an employer/policyholder, nor does it guarantee the accuracy of the information provided in any such reminder notice. It remains the sole responsibility of the employer/policyholder to remain independently informed of their private plan exemption renewal date and to timely file a renewal of its private plan exemption as set forth in, and in accordance with, any and all MA PFML laws and regulations.

 

 

How do you make the switch to a private plan. 

 

For your timing and planning, keep in mind that Private Plans (including pre-2021 Private Plan Exemptions) can only be made effective on the first day of a quarter, i.e., the first of the next quarter after approval.

 

Back to Step 1

ShelterPoint* is Your Massachusetts Paid Family & Medical Leave Partner

184000+

NY EMPLOYERS^

1

NY STATUTORY SHORT-TERM DISABILITY PREMIUMS^^

1900000+

NY EMPLOYEES^

Specializing in Short-Term Disability Insurance and Paid Family Leave, it is a natural progression for us to bring our expertise in this field to Massachusetts, now that Paid Family & Medical Leave (PFML) is a required benefit effective January 1, 2021.

As an approved private plan carrier in Massachusetts, we welcome the opportunity to help MA employers based on our decades of experience in related, state-required coverages, so you can trust that ShelterPoint will bring you a thoughtful and efficient stand-alone Private Option for your Paid Family & Medical Leave needs. This includes guiding you on what administrative actions you need to complete for an exemption – we help make the switch to our Private Plan easy.


^ Based upon ShelterPoint Life Insurance Company policyholder and certificate holder count as of 02/26/20.
^^ State of New York Workers’ Compensation Board, form DB-680, 2016 – applies to ShelterPoint Life Insurance Company only.

 

image
Learn More About ShelterPoint

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.

Become a ShelterPoint Producer


get started

Get a Quote


get started

Download a Brochure


download now

With decades of experience in helping keep people INSURED,
rest ASSURED: you have found the specialists you can turn to.

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!

Sign-Up for Updates

 

The information in this material is based on our knowledge of the current MA Paid Family & Medical Leave law and regulations. If the Department of Family & Medical Leave revises the regulations, adopts new policies or if the law itself is amended, we will update this document. This document is not intended to be and should not be construed as legal advice. Employers are encouraged to consult employment law counsel for legal advice.

*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.

Massachusetts Paid Family & Medical Leave is available in MA only and will be underwritten by: ShelterPoint Life Insurance Company (a New York-domiciled carrier): Policy Form# pending.

 

Terms Of UsePrivacy StatementCopyright 2020 by ShelterPoint Life
Back To Top