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How Much Will Paid Family Leave Cost in 2025?

 

2025 Paid Family Leave Annual Premium Estimator

ShelterPoint *$91,373.88 is the annualized NYSAWW (NYS Average Weekly wage). The NYSAWW is updated annually and released on or about March 31st by the NY Department of Labor.



Number of employees with Annual Paid Wages above $91,373.88*



Sum of annual paid wages for employees earning below $91,373.88*

$
  

Estimated Annual PFL Premium: _ _


Please note: This estimate may differ from the actual billed amount; and/or actual premium may vary depending on data provided at time of bill pay. 
 

* NY Department of Labor releases the updated NYSAWW on or about March 31st of the prior applicable calendar year. Past years’ maximum benefit amounts are based on prior NYSAWWs respectively. The NYSAWW applicable to 2025 is $1,757.19 = $91,373.88 per year.

 

The 2025 maximum contribution rate for Paid Family Leave (PFL) is 0.388% of the employee’s annualized wages capped at the annualized New York State Average Weekly Wage (NYSAWW) of $91,373.88 per year;* which translates to a maximum annual PFL premium of $354.53 per employee. Our simple calculator tool can help you estimate what this means for your group. Here’s what you’ll need to get started:

The easiest way to go about estimating what this means for your premium cost is to split your workforce into 2 groups – those above and those below the current annualized NYSAWW of $91,373.88*. Then:

  • count your employees who make more than the annualized NYSAWW, and
  • add up the wages for all other employees with wages at or below the threshold

Simply enter those numbers into our calculator to get a rough estimate for your annual Paid Family Leave premium.

We recommend you have your payroll records handy, such as your NYS45 or payroll system reports.


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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) in: NY
ShelterPoint only offers Paid Family Leave in form of a rider to DBL.
Policy Form# SPL DB0922 F

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. Any Paid Family Leave information is based on the applicable statutes and may change if guidance is issued by the State of New York.

 

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