Unum is helping employers prepare by:
- Offering a fully insured private plan
- Administering self-insured private plans
- Offering offset plans that provide coverage above the state program*
Enacted in 2018, the Massachusetts Paid Family and Medical Leave Program (MA PFML) allows employees to take paid leave to care for themselves or their family members under certain circumstances. Contributions from employers and employees to fund the program began on October 1, 2019, with most benefits becoming available by January 2021. Employers have the option of participating in the state plan or offering an approved private plan of their own.
Listen to our recorded webinar for an overview of the MA PFML program, its administrative and claim requirements and how it will interact with other leave laws and benefits.
See how changing state laws will impact your business.
Protect your company and take care of your employees.
= Employer action
Now Employers should already be hanging the PFML workplace poster in their workplaces Download the poster here.
Now If they have not already done so, employers should decide whether to go with the state plan offer a private plan. Note* If employers have not already done so, they should decide whether to go with the state plan or offer a private plan. Note: If an employer has not filed for and been accepted for an exemption through MA, they will owe contributions from 10/01/2019 forward. Exemptions go into effect the first day of the quarter following their approval.
7/1/21 Benefits available to care for a family member with a serious health condition
1/1/21 Benefits available for welcoming a new child, personal medical leave, and specific events related to a family member's active-duty military service
4/30/20 Deadline for employers to remit quarterly contributions
1/31/20 The first MA Paid Family and Medical Leave (PFML) deadline for employers to remit quarterly contributions (for 10/1/2019 - 12/31/2019) was January 31, 2020
12/20/19 Employer private plan exemption applications for first-quarter contributions due
10/1/19 Payroll withholdings began for program contributions, for employers who choose to go with the state program
9/30/19 Deadline to have given written notice to employees of the law and program, and received a signed acknowledgement from employees of that notice
7/1/19 Finalized regulations published
For employers who choose a private-plan option, Unum will offer fully insured and offset* solutions for Paid Medical Leave and Paid Family Leave. We will also offer administration for self-insured private plans.
While we develop our plan designs, we will continue to evaluate the evolving Massachusetts regulations to ensure our plans comply. We will also continue to closely track Paid Family and Medical Leave legislation nationwide, so we can provide employers with essential updates and information.
Please contact your broker or Unum representative to learn more about your options and for assistance calculating your company’s MA PFML program costs.
* Offset-plan benefits will be offset by the amount received under the state program.