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A State-by-State Guide to ShelterPoint* Statutory Benefit Programs

As state-mandated Paid Leave programs continue to get adopted across the United States in various forms, it may feel increasingly difficult to keep up with the varying details of each state. So, this handy tool helps you compare the details at-a-glance for statutory benefit programs that are available as private coverage through ShelterPoint.

Choose states and which details to compare and get a quick overview of the information that matters most to you!


1Choose states to compare
2Choose which details you’d like to view
           

Abbreviations:
AWW = average weekly wage
EE = employee
ER = employer
NYSAWW = New York State average weekly wage
SAWW = State average weekly wage
SSWL = Social Security wage limit

*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 (see our Geographic & Jurisdictional Notice here). ShelterPoint is a registered service mark.

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 the respective state’s applicable statutory Paid Leave laws and regulations as of the publication date and may change as regulations evolve or the respective states issue updated guidance. Further, this material is for illustrative purposes only, providing a general overview of statutory Paid Leave laws. It is not a contract nor intended as an offer of coverage.

Policies are subject to Underwriting approval. All coverage extends to limits reflected in the respective policy. Please refer to the respective policy for coverage details pursuant to the respective governing law, including a complete listing of definitions, 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 applicable state law governing the respective statutory Paid Leave program, the policy and respective law will take precedence over what is shown in this material. Claim payment is not guaranteed; benefit amount depends on wages.

As stated above, definitions vary by state – that includes definitions of qualifying events, family members, and severe medical conditions featured in this material. Please check state-specific details on the Statutory Benefits Center by selecting your state of interest.

Job protection : If job protection is not available in a selected state, the employee may be eligible for job protections available through other federal and/or state programs. Please consult with a professional for advice for state-specific advice and options.

Statutory Benefit Programs in Context

Statutory short-term disability insurance paved the way

A handful of states have had mandated Short-Term Disability and/or Paid Family Leave programs in place for some time, going as far back as the 1940s for statutory short-term disability insurance.

  • NY and NJ, as states you can select in the comparison chart above, are 2 of the early leaders that started with just statutory short-term disability for non-occupational disabilities.
  • They have since added Paid Family Leave as a separate statutory benefit.
    • In essence they now provide the same forms of coverage as more recent Paid Family & Medical Leave (PFML) states via 2 separate laws/programs in those states.
    • For these states, the mandated short-term disability program is comparable to the self-care “medical leave” portion of PFML.
    • Please note: while ShelterPoint provides coverage for New Jersey's version of statutory short-term disability insurance, we currently don’t offer New Jersey’s version of Paid Family Leave.
Employer in a meeting



Colorado State Capitol

The rise of Paid Family & Medical Leave (PFML) programs

More recently, Paid Family & Medical Leave (PFML) is becoming a required benefit in an increasing number of states in the US. These newer state programs provide family leave as part of a benefit program that includes both the Family Leave portion (for example, to bond with a new baby or care for a sick loved one) AND a self-care component that provides benefits if the covered employee is out of work due to a non-occupational sickness/injury.

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 state comparison tool on this page allows you to compare highlights of state-specific requirements, such as reasons for leave, benefit amounts, and benefit durations across states where ShelterPoint provides these statutory benefits.


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Statutory Benefit Programs Are What We Do.

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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.
 
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