This page provides an overview of the various state-level paid leave programs available across the United States. Whether you're looking to understand the requirements in your state or explore options to support your employees, we are here to help you stay informed and compliant.

For employers, recent updates may affect billing and/or the amount of premium collected from employees.

Learn more about how Sun Life can help by viewing our Paid Leave Solutions

Choose a state

Paid Leave Legislation

Inclusive of Statutory, PFML and Family Leave Insurance laws across the country

Alabama

Plan Name

Family Leave Insurance (FLI)

Plan type

Voluntary

Coverage options

Private plan

Types of private plans allowed

Fully Insured

Employers covered

All employers with one or more employee

Sun Life resource

Learn more

Arkansas

Plan Name

Family Leave Insurance (FLI)

Plan type

Voluntary

Coverage options

Private plan

Types of private plans allowed

Fully Insured

Employers covered

All employers with one or more employees

Sun Life resource

Learn more

California

Plan Name

State Disability Insurance (SDI)

Paid Family Leave (PFL)

Year benefits began

SDI: 1946

PFL: 2004

Coverage options

Private plan, State plan

Types of private plans allowed

Self-Insured (Sun Life does not offer administrative support at this time)

Employers covered

Employers of 1 or more and $100 payroll in any quarter

Employee eligibility requirements

Earnings in base period of not less than $300 from which SDI taxes were withheld

Elimination period

SDI: 7 days for accident and sickness

PFL: 0 days for paid family leave

Benefit duration

SDI: Up to 52 weeks

PFL: Up to 8 weeks 

Benefit calculation

60% of average weekly wage for employees who earn equal to or greater than the statewide average weekly wage (SAWW), 70% for employees’ who earn less than 1/3 of the SAWW

Beginning January 1, 2025, disability benefits will cover 90% of wages for workers making 70% or less of the SAWW, and disability benefits will cover 70% up to the maximum weekly benefit for workers making more than 70% of the SAWW.

State Average Weekly Wage (SAWW)

  • 2024: $1,642
  • 2025: $1,704

Maximum weekly benefit

  • 2023: $1,620
  • 2024: $1,620 (no change)

Minimum weekly benefit

$50

Maximum employee contributions

  • 2023: 0.9% of employee covered wages up to $153,164
  • 2024: 1.1% of employee covered wages with no wage limit

Employer contributions

Private plan: Balance of cost (if any); State plan: None

State resource

State of California Employment Development Department

Colorado

Plan Name Paid Family and Medical Leave (PFML) 

Year benefits begin

2024

Coverage options

Private plan, State plan

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for both)

Employers covered

All employers with one or more employees working in the state

Employee eligibility requirements

Earned at least $2,500 in wages subject to premium under the law during the person’s base period or alternative base period, has elected coverage as a self-employed person, or has elected coverage as an employee of a local government where the local government has declined participation in the program

Elimination period

0 days

Reasons for leave

  • Employee’s own serious health condition
  • Caring for a family member with a serious health condition
  • Bonding (within a year of the birth, adoption, or foster-care placement)
  • Qualifying military exigency
  • Safe leave (leaves related to the employee or a family member being a victim of domestic violence or abuse, sexual assault, or stalking)

Benefit duration    

  • Up to 12 weeks for family and medical leave within a 12-month period
  • Up to an additional 4 weeks for serious health condition related to pregnancy or childbirth complications
  • Total combined maximum of 12 (or 16) weeks per application year

Benefit calculation

90% of the employee’s average weekly wages up to 50% of the statewide average weekly wage (SAWW). Earnings greater than 50% of the SAWW wage will be paid at 50%.

State Average Weekly Wage (SAWW)

  • Effective 7/1/2023: $1,421.16
  • Effective 7/1/2024: $1,471.34

Maximum weekly benefit

  • $1,100 through 12/31/2024
  • Effective 1/1/2025: $1,324.21

Minimum weekly benefit

None

Social Security wage cap

  • 2024: $168,600
  • 2025: $176,100

State rate

0.9% of wages up to the Social Security wage cap

Maximum employee contributions

50% of premium on wages

Employer contributions

50% of premium on wages

State resource

Colorado Family and Medical Leave Insurance Program (FAMLI)

Sun Life resources

Connecticut

Plan Name Paid Family and Medical Leave (PFML)

Year benefits began

2022

Coverage options

Private plan, State plan

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for both)

Employers covered

All employers with one or more employees working in the state

Employee eligibility requirements 

While working in CT for a covered employer the employee:
  • Must have earned at least $2,325 during their highest earning quarter within the first four of the last five most recent quarters; and
  • Is currently employed or was employed within the prior 12 weeks or is a self-employed individual or sole proprietor and Connecticut resident who has enrolled in the program

Elimination period

0 days

Reasons for leave

  • Employee's own serious health condition
  • Serving as an organ or bone marrow donor
  • Care for a family member with a serious health condition
  • Care for an injured service member
  • Bonding (birth, adoption or foster-care placement)
  • Family violence (up to 12 days in a benefit year)
  • Military exigency as defined by the federal FMLA

Benefit duration

  • Up to 12 weeks for family and medical leave during a 12-month period
  • Additional 2 weeks for incapacity during pregnancy
  • Up to 12 days within the maximum of 12 weeks of leave for family violence/sexual assault

Benefit calculation

95% of employee’s average weekly earnings up to 40 times the minimum wage; plus 60% of earnings above 40 times the minimum wage.

Maximum weekly benefit

The total weekly compensation is capped at 60 times the minimum wage
  • Effective 1/1/2024: $941.40
  • Effective 1/1/2025: $981.00

CT minimum wage

  • 2024: $15.64
  • 2025: $16.35

Minimum weekly benefit 

None

Social Security wage cap

  • 2024: $168,600
  • 2025: $176,100

Maximum employee contributions

0.5%, up to the Social Security wage cap

Employer contributions

None

Post-employment period of coverage

12 weeks

Special considerations

CT PFML requires an affirmative vote by a majority of employees (50% plus 1) in order for a private plan to be offered.

State resource

Connecticut Paid Leave Authority

Sun Life resources

Delaware

Plan Name

Paid Family and Medical Leave (PFML)

Year benefits begin

January 1, 2026 (Contributions begin January 1, 2025)

Coverage options

Private plan, State plan

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for both)

Employers covered

All employers with 10 or more employees working in the state during the previous 12 months.
  • Employers with 10-24 DE employees must provide paid parental leave
  • Employers with 25+ DE employees must provide paid leave for parental, family caregiving and an employee’s own serious health condition

Employee eligibility requirements

While working in DE for a covered employer, the Employee
  • Must have been employed by the employer for at least 12 months; and
  • Have worked at least 1,250 hours in the 12-month period prior to their leave

Elimination period

0 days

Reasons for leave

  • Employee’s own serious health condition
  • Parental Leave (birth, adoption, and foster-care placement)
  • Care of a family member with a serious health condition
  • Qualifying military exigency as defined in the FMLA

Benefit duration    

The benefit duration depends on the leave reason.
  • The maximum number of weeks available for parental leave is 12 weeks per application year
  • The maximum number of weeks of leave for either family caregiving, qualifying exigency, and medical leave is 6 weeks per any 24-month period
  • There is a combined maximum of 12 weeks per application year

Benefit calculation

80% of the covered individual’s average weekly wages rounded up to the nearest dollar during the 12 months prior to the application for leave

Maximum weekly benefit

$900 through December 31, 2027

Minimum weekly benefit

$100

Social Security wage cap

2025: $176,100

State rate

2025 & 2026:
  • Employers with 25+ employees: 0.8% of wages up to the Social Security wage cap (0.32% Parental Leave, 0.08% Family Caregiving, 0.4% Medical Leave)
  • Employers with 10-24 employees: 0.32% Parental Leave only

Maximum employee contributions

50% of the state rate on wages up to the Social Security wage cap

The employer may elect to pay all or any portion of the employee’s share of contributions

Employer contributions

50% of the state rate to the Social Security wage cap

State resource

Delaware Department of Labor

Sun Life resources

Florida

Plan Name

Family Leave Insurance (FLI)

Plan type

Voluntary

Coverage options

Private plan

Types of private plans allowed

Fully Insured

Employers covered

All employers with one or more employees

Sun Life resource

Learn more

Hawaii

Plan Name Temporary Disability Insurance (TDI)

Year benefits began

1969

Coverage options

Private Plan 

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for fully insured)

Employers covered

All employers with limited exclusions

Employee eligibility requirements

Remuneration for at least 20 hours and wages of at least $400 for a HI employer during the 52 weeks immediately preceding disability

Elimination period

7 days for accident and sickness

Benefit duration

Up to 26 weeks within benefit year

Benefit calculation

58% of employee’s average weekly wages that do not exceed 121% of the statewide average weekly wage (SAWW) 

Maximum weekly wage base

  • 2023: $1,318.48
  • 2024: $1,374.78

Maximum weekly benefit

  • 2023: $765
  • 2024: $798

Minimum weekly benefit

No minimum

Maximum employee contributions

  • 2023: 50% of the cost, but not more than 0.5% of covered wages, up to $6.59 per week
  • 2024: 50% of the cost, but not more than 0.5% of covered wages, up to $6.87 per week

Employer contributions

Balance of cost (if any)

Post-employment period of coverage

2 weeks

State resource

Department of Labor & Industrial Relations - Disability Compensation Division

Sun Life resource

Hawaii TDI Overview flyer

Kentucky

Plan Name

Family Leave Insurance (FLI)

Plan type

Voluntary

Coverage options

Private plan

Types of private plans allowed

Fully Insured

Employers covered

All employers with one or more employees

Sun Life resource

Learn more

Maine

Plan Name

Paid Family and Medical Leave (PFML) 

Year benefits begin

May 1, 2026 (Contributions begin January 1, 2025)

Coverage options

Private plan, State plan

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for both)

Employers covered

All private and public employers with one or more employees, except the federal government, are covered. Tribal governments and the self-employed will be able to opt into the program.

Employee eligibility requirements

Employees are eligible for leave when they have earned at least six times the state average weekly wage (SAWW) during their base period. The base period is the first 4 calendar quarters immediately preceding the first day of the individual’s benefit year.

Elimination period

  • 7 calendar days for Paid Medical Leave
  • No waiting period for Paid Family Leave

Reasons for leave

  • Employee’s own serious health condition (including organ donation)
  • Bonding during the first 12 months after birth or placement of a child
  • Care for a family member with a serious health condition
  • To attend to a qualifying military exigency
  • To care for a family member who is a covered service member
  • Safe leave (employee or family member is a victim of violence, assault, sexual assault, stalking, or any protection from abuse order)

Benefit duration    

Eligible employees can take up to 12 weeks of paid leave for qualifying leave reasons in a benefit year.

Benefit calculation

The weekly benefit amount paid to covered individuals will be:
  • 90% of the covered individual’s average weekly wage up to 50% of the SAWW; plus
  • 66% of the covered individuals average weekly wages that exceed 50% of the SAWW.

Maximum weekly benefit

100% of the 2026 SAWW

Minimum weekly benefit

None

Social Security wage cap

2025: $176,100

State rate

2025: 1% of wages up to the Social Security wage cap

Maximum employee contributions

50% of the state rate: 0.5% of wages

The employer may elect to pay all or any portion of the employee’s share of contributions

Employer contributions

Employers with 15+ employees: 0.5%

Employers with less than 15 employees: 0.0%

State resource

 Maine Department of Labor

Sun Life resources

Maryland

Plan Name

Paid Family and Medical Leave (PFML) 

Year benefits begin

July 1, 2026 (Contributions begin July 1, 2025)

Coverage options

Private plan, State plan

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for both)

Employers covered

All employers with one or more employees working in the state

Employee eligibility requirements

An eligible employee is an employee who has worked at least 680 hours over a 12-month period preceding the date on which their leave begins.

Elimination period

0 days

Reasons for leave

  • Covered Individual’s own serious health condition
  • Bonding (within a year of the birth, adoption, foster-care, or kinship care placement of a new child)
  • Care for a family member with a serious health condition
  • Care for a service member who is the covered individual’s next of kin
  • Because of a qualifying exigency arising from the deployment of a service member who is a family member

Benefit duration    

12 weeks for family and medical leave within a 12-month period

Additional 12 weeks of leave benefits if, in the same application year, they:

  • Received benefits because they were bonding with a new child or become eligible to receive benefits to bond with a new child; and
  • Received benefits because of a need for leave for their own serious health condition or become eligible to receive benefits for leave for their own serious health condition.

Benefit calculation

  • 90% of average weekly wages up to 65% of the statewide average weekly wage (SAWW); plus
  • 50% of average weekly wages above 65% of the statewide average weekly wage, up to the maximum weekly benefit amount.

Maximum weekly benefit

2026: $1,000

Minimum weekly benefit

$50

Social Security wage cap

2025: $176,100

State rate

0.90% of wages

Maximum employee contributions

 Up to 50% of total premium due

Employer contributions

Shared 50/50 with the employee, or the employer may elect to pay all or any portion of the employee’s share of contributions. The total contribution rate will not exceed 1.2% of wages up to the Social Security wage cap.

State resource

Maryland Department of Labor - FAMLI Division

Sun Life resources

Massachusetts

Plan Name

Paid Family and Medical Leave (PFML) 

Year benefits began

2021

Coverage options 

Private Plan, State Plan

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for both)

Employers covered

All employers with one or more employees working in the state

Employee eligibility requirements

Employees providing services in Massachusetts, including full-time, part-time, permanent, temporary, on call, per diem or seasonal employees who meet the financial eligibility requirements under the MA PFML law (i.e., earning sufficient income from any MA employer within the past 12 months prior to the leave to be eligible for MA unemployment compensation benefits (currently $6,300).

Elimination period

7 consecutive calendar days for each claim for leave except for bonding when taken immediately following paid medical leave for childbirth.

Reasons for leave

  • Employee’s own serious health condition
  • Bonding (birth, adoption, placement for foster-care)
  • Care for a family member with a serious health condition
  • Qualifying military exigency as defined by the federal FMLA
  • Care for a family member who was insured in the line of duty

Benefit duration

  • Up to 26 weeks combined
  • Up to 26 weeks for care of an injured service member
  • Up to 20 weeks for employee’s own serious health condition
  • Up to 12 weeks for family leave (all in a Benefit Year)

Benefit calculation

80% of average weekly wages up to 50% of the statewide average weekly wage (SAWW). All earnings above that will be replaced at 50% up to the maximum benefit.

State Average Weekly Wage (SAWW)

  • 2024: $1,796.72
  • 2025: $1,829.13

Maximum weekly benefit

64% of the SAWW
  • 2024: $1,149.90
  • 2025: 1,170.64

Minimum weekly benefit

None

Social Security wage cap

  • 2024: $168,600
  • 2025: $176,100

Maximum employee contributions

2024 & 2025: Employers can charge employees up to 0.28% of taxable wages for Medical Leave and 0.18% of taxable wages for Family Leave. These withholding percentages are the same regardless of employer size.

Employer contributions

Employers with more than 25 employees:

2024 & 2025: The contribution rate is 0.88% of wages up to Social Security limit minus amounts permitted to be charged to employees. Employers with fewer than 25 employees do not need to remit the employer share of premiums.

Post-employment period of coverage

26 weeks post-employment

State resource

Department of Family and Medical Leave

Sun Life resources

Minnesota

Plan Name

Paid Family and Medical Leave (PFML) 

Year benefits begin

January 1, 2026 (Contributions also begin January 1, 2026)

Coverage options

Private plan, State plan

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for both)

Employers covered

All employers with one or more employees working in the state

Employee eligibility requirements

While working in MN, have earned at least 5.3% of the state’s average annual wage during the most recent 4 completed calendar quarters

Elimination period

There is no elimination period for bonding. Other leaves reasons have a seven-day qualifying event requirement, and following the seven-day period, the initial week of leave is retroactively payable.

Reasons for leave

  • Employee’s own serious health condition (includes prenatal care or incapacity due to pregnancy or recovery from childbirth, stillbirth, miscarriage, or related health conditions)
  • Safety leave (matters related to domestic abuse, sexual assault, or stalking)
  • Care for a family member with a serious health condition
  • Care for a family member who is an active military member
  • Bonding (biological, adoptive, or foster parent)
  • Qualifying military exigency arising out of a military member's active duty service or notice of an impending call or order to active duty in the United States armed forces

Benefit duration    

  • Up to 12 weeks of medical leave or family leave for a single qualifying event
  • Up to 20 weeks of combined medical and family leave if an employee has more than one qualifying event in the same claim year
The minimum increment of leave available is one workday in a workweek.

Benefit calculation

MN PFML uses a three-tiered benefit schedule. Employees are entitled to receive benefits equal to:

  • 90% of wages that do not exceed 50% of the state's average weekly wage (SAWW); plus
  • 66% of wages that exceed 50% of the state's average weekly wage but not 100%; plus
  • 55% of wages that exceed 100% of the state's average weekly wage.

The maximum weekly benefit amount will equal the state's average weekly wage which is calculated on or before June 30 of each year.

Maximum weekly benefit

100% of the SAWW

Minimum weekly benefit

N/A

Social Security wage cap

2025: $176,100

Maximum employee contributions

50% of premium on wages

Employer contributions

Shared 50/50 with the employee, or the employer may elect to pay all or any portion of the employee’s share of contributions. The total contribution rate is 0.70% up to the Social Security wage cap, with employers and employees each responsible for .35%. For employers with fewer than 30 employees, the amount of wages upon which quarterly employer premium is required is reduced.

Post-employment period of coverage

26 weeks post-employment

State resource

Minnesota Department of Employment and Economic Development

Sun Life resources

New Hampshire

Plan Name

Paid Family and Medical Leave (PFML)

Year benefits began

2023

Plan type

Mandatory for state employers. Voluntary for non-state employers.

Coverage options

Private plan. New Hampshire has designated a single carrier to administer the program for state employees. The state plan allows opt ins from private employers and individual employees. Voluntary plans, for private employers and individuals can also be offered by other insurers.

Types of private plans allowed

Fully Insured

Employers covered

All NH employers, including for-profit, non-profit, private and public firms, and NH workers.

Reasons for leave

  • Bonding with a new child
  • Care for a family member with a serious health condition
  • Qualifying military exigency
  • Care for next of kin who is injured in the line of active military duty

Benefit duration

A minimum of 6 weeks

Benefit calculation

A minimum of 60% of wages up to the applicable Social Security wage cap

Social Security wage cap

  • 2024: $168,600
  • 2025: $176,100

Elimination period

Up to 7-calendar days

State resource

State of New Hampshire

Sun Life resource

New Hampshire PFML Overview flyer

New Jersey

Plan Name

Temporary Disability Benefits (TDB)

Family Leave Insurance (FLI)

Year benefits began

TDB: 1948

FLI: 2009 

Coverage options

Private Plan, State Plan

Types of private plans allowed

TDB: Fully Insured (Sun Life offers administrative support) 

FLI: Fully Insured, Self-Insured (Sun Life does not offer administrative support at this time) 

Employers covered

Employers of 1 or more who pay $1,000 or more in total wages

Employee eligibility requirements

Either 20 weeks of employment in NJ during base year with earnings of at least $240 per week or $12,000 per year in 2022

Elimination period

TDB: 7 days for accident and sickness but if benefits are paid for 3 consecutive weeks, then benefits become payable for the first 7 days

FLI: 0 days 

Benefit duration

(Combined maximum 26 weeks)

TDB: Up to 26 weeks

FLI: Up to 12 weeks 

Benefit calculation

85% of average weekly wages

Maximum weekly benefit

  • 2024: $1,055
  • 2025: $1,081

Minimum weekly benefit

None

Maximum employee contributions

TDB:
  • 2024: No cost to employees
  • 2025: 0.23% of taxable wages

Employer contributions

TDB:

  • State plan: 0.1% to 0.75% of taxable wages of each employee, depending on experience rating
  • Private plan: all premium due 

FLI: None 

Post-employment period of coverage

TDB: 2 weeks

FLI: None

Special considerations

S2304/2374 expand the definition of accident and sickness as well as disability for purposes of TDB and serious health condition for purposes of FLI to include an illness caused by an epidemic of a communicable disease, a known or suspected exposure to a communicable disease, or efforts to prevent spread of a communicable disease, which requires in-home care or treatment of the employee (TDB) or a family member (FLI) of the employee due to: 
  • The issuance by a health care professional (HCP) or a public health authority (PHA) of a determination that the presence of an employee or family member (as applicable) may jeopardize the health of others; and
  • The recommendation, direction or order of the HCP or PHA that the employee or family member (as applicable) be isolated or quarantined because of suspected exposure to the communicable disease. 

State resource

Division of Disability Insurance Service

New York

Plan Name 

Disability Benefits Law (DBL)

Paid Family Leave (NY PFL)

Year benefits began

DBL: 1949

NY PFL: 2018

Coverage options  

Private Plan, State Insurance Fund

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for fully insured) 

Employers covered

Employers of 1 or more employees on each of at least 30 days in one calendar year

Employee eligibility requirements

DBL: 4 consecutive weeks of covered employment in NY (does not need to be with current employer) 

NY PFL: 26 consecutive weeks of full-time employment or 175 days of part-time employment with current employer

Elimination period 

DBL: 7 days for accident and sickness

NY PFL: 0 days for paid family leave

Benefit duration

DBL: Up to 26 weeks per disability

NY PFL: up to 12 weeks

Combined maximum: 26 weeks in a 52-week period

Benefit calculation

DBL: 50% of weekly wages

NY PFL: 67% of average weekly wages

State Average Weekly Wage (SAWW)

  • 2024: $1,718.15
  • 2025: $1,757.29

Maximum weekly benefit 

DBL: $170 (effective since 5/1/1989)

NY PFL:

  • 2024: $1,151.16
  • 2025: $1,177.32

Minimum weekly benefit 

DBL: $20

NY PFL: None 

Maximum employee contributions

DBL: 0.50% of employee wages to a maximum of $0.60 per week

NY PFL:

  • 2024: 0.373% up to a maximum of $333.25
  • 2025: 0.388% up to a maximum of $354.53

Employer contributions 

DBL: Balance of cost (if any)

NY PFL: None

Post-employment period of coverage

DBL: 4 weeks

NY PFL: None

State resource 

Sun Life resources

*NY PFL is offered as a rider to NY DBL

Oregon

Plan Name Paid Family and Medical Leave (PFML)

Year benefits began

September 3, 2023

Coverage options

Equivalent Plan, State Plan

Types of private plans allowed

Fully Insured, Self-Insured (Sun Life offers administrative support for both)

Employers covered

All private employers, state agencies and local governmental agencies

Employee eligibility requirements 

Employees are eligible to take leave if they have earned at least $1,000 in wages during the base year for an Oregon employer

Elimination period 

None

Reasons for leave

  • Employee’s own serious health condition
  • Organ, body part, or tissue donation leave
  • Bonding (birth, adoption, placement for foster-care)
  • Care for a family member with a serious health condition
  • Safe Leave (matters related to the employee or employee’s minor child as a victim of domestic violence, harassment, sexual assault, stalking, or a bias crime)

Benefit duration 

  • Up to 12 weeks combined for paid family leave, paid medical leave and paid safe leave
  • Up to an additional 2 weeks for pregnancy or childbirth complications, including lactation

Benefit calculation

  • 100% of employee’s average weekly wages less than or equal to 65% of the statewide average weekly wage (SAWW); plus
  • 50% of employee’s average weekly wages that exceed 65% of the SAWW

State Average Weekly Wage (SAWW)

  • Effective 7/1/2023: $1,269.69
  • Effective 7/1/2024: $1,307.17

Maximum weekly benefit 

120% of the SAWW 
  • Effective 9/3/2023: $1,523.63
  • Effective 7/1/2024: $1,568.60

Minimum weekly benefit

5% of the SAWW
  • Effective 9/3/2023: $63.48
  • Effective 7/1/2024: $65.36

Social Security wage cap

  • 2024: $168,600
  • 2025: $176,100

Maximum employee contributions

2023: Total rate may not exceed 1% of employee wages up to a maximum of $132,900 in wages. Employees can pay a maximum of 60% of that rate.

2024: Total rate may not exceed 1% of employee wages up to the Social Security wage cap. Employees can pay maximum of 60% of that rate.

Employer contributions 

Employers pay 40% of that rate unless they have fewer than 25 employees in which case premium is not required, but can be paid to secure the employer’s right to access certain grant money to be used in the event of employee leave

State resource 

Paid Leave Oregon

Sun Life resources

Rhode Island

Plan Name

Temporary Disability Insurance (TDI)

Temporary Caregiver Insurance (TCI)

Year benefits began

TDI: 1942 

TCI: 2014

Coverage options 

State Plan

Types of private plans allowed

None

Employers covered 

Employers of 1 or more who can earn more than $1,000 per quarter for a RI employer

Employee eligibility requirements 

Either RI base year earnings of $16,800; or at least $2,800 in one of the base period quarters and base period wages of at least 1.5 times the highest quarter earnings and total base period wages of at least $5,600

Elimination period 

None; however, an individual is still required to be out of work for 7 consecutive days in order to be eligible for benefits (effective since 7/1/12) 

Benefit duration

TDI: when you reach 36% of your total base period wages divided by your weekly benefit rate to a maximum of 30 weeks 

TCI:

  • 2022: 5 weeks
  • 2023: 6 weeks

Benefit calculation

4.62% of highest quarterly wages in the base period (additional dependent’s allowance may also be payable)

Maximum weekly benefit

Based on state average weekly wage
  • Effective 7/1/2023: $1,043
  • Effective 7/1/2024: $1,070

Minimum weekly benefit

Based on minimum wage

TDI:

  • Effective 7/1/2023: $121
  • Effective 7/1/2024: $130

TCI: None

Maximum employee contributions

  • 2023: 1.1% of the first $84,000 in earnings
  • 2024: 1.2% of the first $87,000 in earnings

Employer contributions

None

Post-employment period of coverage

None

State resource

Rhode Island Department of Labor & Training - Temporary Disability Insurance

South Carolina

Plan Name

Family Leave Insurance (FLI)

Plan type

Voluntary

Coverage options

Private plan

Types of private plans allowed

Fully Insured

Employers covered

All employers with one or more employees

Sun Life resource

Learn more

Tennessee

Plan Name

Family Leave Insurance (FLI)

Plan type

Voluntary

Coverage options

Private plan

Types of private plans allowed

Fully Insured

Employers covered

All employers with one or more employees

Sun Life resource

Learn more

Texas

Plan Name

Family Leave Insurance (FLI)

Plan type

Voluntary

Coverage options

Private plan

Types of private plans allowed

Fully Insured

Employers covered

All employers with one or more employees

Sun Life resource

Learn more

Vermont

Plan Name

Paid Family and Medical Leave (PFML)

Year benefits began

2023

Plan type

Mandatory for state employers. Voluntary for non-state employers, self-employed individuals and eligible individual employees.

Coverage options

Private plan. Vermont has designated a single carrier to administer the program for state employees. The state plan allows opt ins from private employers and individual employees. Voluntary plans can also be offered by other insurers.

Types of private plans allowed

Fully Insured, Self-Insured

Employers covered

State employers, non-state employers with 2 or more employees and self-employed individuals

Reasons for leave

  • Bonding with a new child
  • Care for a family member with a serious health condition
  • Qualifying military exigency
  • Care for a military service member with a serious illness or injury

Benefit duration

A minimum of 6 weeks

Benefit calculation

A minimum of 60% of wages up to the applicable Social Security wage cap

Social Security wage cap

  • 2024: $168,600
  • 2025: $176,100

Elimination period

Up to 7 calendar days

Sun Life resource

Vermont PFML Overview flyer

Virginia

Plan Name

Family Leave Insurance (FLI)

Plan type

Voluntary

Coverage options

Private plan

Types of private plans allowed

Fully Insured

Employers covered

All employers with one or more employees

Sun Life resource

Learn more

Washington

Plan Name Paid Family and Medical Leave (PFML)

Year benefits began

2020

Coverage options 

Voluntary Plan, State Plan

Types of private plans allowed

Self-Insured (Sun Life offers administrative support)

Employers covered 

Public and private employers employing one or more individual in the state are subject to this law. Federal employers, federally recognized tribes and self-employed persons are exempt from the program, but federally recognized tribes and self-employed persons can elect into the program

Employee eligibility requirements 

A covered employee is eligible after working 820 hours in WA for any employer during the qualifying period. The “qualifying period” is the first four of the last five calendar quarters or, if eligibility is not established, the last four completed calendar quarters immediately preceding the application for leave.

Elimination period 

7 consecutive calendar days per benefit year (waived for childbirth, bonding, and exigency claims)

Reasons for leave

  • Employee’s own serious health condition
  • Bonding (birth, adoption, placement for foster-care placement)
  • Care for a family member with a serious health condition
  • Qualifying military exigencies as defined by the federal FMLA
  • Child bereavement within a year of the birth or the placement of the child for adoption or foster care (up to 7 calendar days)

Benefit duration 

  • Up to 12 weeks of family leave for bonding, care of a family member
  • Up to 12 weeks of medical leave for employee’s own serious health condition 
  • Up to 16 weeks of combined medical and family leave per benefit year
  • An additional two weeks of paid medical leave for employees incapacitated by a serious health condition during pregnancy (max. combined 18 weeks)
  • Up to 7 calendar days for the purpose of child bereavement, which is included in family leave maximum and not in addition to the 12 weeks of family leave

Benefit calculation

The benefits are paid at 90% of the employee’s average weekly wages, up to 50% of the state’s average weekly wage (SAWW). Any portion of the employee’s wages that exceed 50% of the SAWW will be paid at 50%. 

State Average Weekly Wage (SAWW)

  • 2024: $1,618
  • 2025: $1,714

Maximum weekly benefit

  • 2024: $1,456
  • 2025: $1,542

Minimum weekly benefit

$100 or the employee’s average weekly wage if it is less than $100  

Social Security wage cap

  • 2024: $168,600
  • 2025: $176,100

State rate

  • 2024: 0.74% of gross wages
  • 2025: 0.92% of gross wages

Maximum Employee contributions 

  • 2024: 71.43%
  • 2025: 71.52%

Maximum Employer contributions 

Employers with 50 or more employees must contribute.
  • 2024: 28.57%
  • 2025: 28.48%

State resources 

Employment Security Department – Paid Family and Medical Leave

Sun Life resources

Washington D.C.

Plan Name Paid Family Leave (PFL)

Year benefits began

2020

Coverage options

District Run Plan

Types of private plans allowed 

None

Employers covered 

Any businesses performing services in DC that also pay unemployment insurance taxes for their employees. Non-profit organizations and household employers that pay unemployment insurance tax. 

Employee eligibility requirements 

An employee who spends more than 50% of their work time for a covered employer in DC or work for a covered employer that is based in DC, spends a substantial amount of their work time in DC and spends no more than 50% of their work time for the employer in another location. 

Elimination period 

7 consecutive calendar day waiting period. Only one waiting period must be met per year. 

Benefit duration

  • Up to 12 weeks for employee's own serious health condition, paid parental leave, or care of a family member
  • Up to 2 weeks for qualifying prenatal leave
  • Up to 12 weeks of combined maximum paid family and medical leave
  • Up to 14 weeks of combined when including the 2 weeks prenatal available

Benefit calculation

Employees receive 90% of their average weekly wage up to 150% of DC’s minimum wage multiplied by 40, and employees receive 50% of any amount earned in excess of 150% of DC’s minimum wage multiplied by 40

Maximum weekly benefit

  • Effective 7/1/2023: $1,118
  • Effective 7/1/2024: $1,153

Minimum weekly benefit

None

Maximum employee contributions

None

Employer contributions

  • Effective 10/1/2022: 0.26% of the wages paid to each covered employee
  • Effective 7/1/2024: 0.75% of the wages paid to each covered employee

Special considerations

DC PFL does not allow Short-Term Disability policies to offset the DC PFL benefit  

State resources 

Office of Paid Family Leave - Temporary Disability Insurance

Sun Life resource

Washington D.C. PFL Overview flyer

Paid Leave Solutions

It is the employer’s responsibility to comply with the law through a state plan or private plans – and Sun Life is here to help. We are committed to providing information and tools to help employers meet state requirements.

Let us administer your private plans alongside other benefits like Short-Term Disability and federal, state and local unpaid leaves of absence to help streamline your absence experience.

Visit our Paid Leave Solutions page for more information. 

Questions?

Sun Life is available to help answers your questions about private plan administration.

Talk with your Sun Life employee benefits representative today.

Content subject to change. This page is not intended to be and should not be construed as legal advice. Employers are encouraged to consult employment law counsel for legal advice. 

In all states except New York, group insurance policies are issued by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) under Policy Form Series 21-PFML-GP-01-CT, 20-PFML-GP-01-MA, 22-PFML-GP-01-OR Rev 3/23, 23-FAMLI-GP-01-CO Rev 1/24, TDBPOLICY-2006, and TDI-POLICY. When available, DE PFML, MD PFML, ME PFML, and MN PFML will be issued by SLOC. In New York, group insurance policies are issued by Sun Life and Health Insurance Company (U.S.) under Policy Form Series 06P-NY-DBL. Sun Life’s self-insured or administrative-services-only services are, or will be, administered by SLOC. These services are not insurance. Not all state programs referenced on this page are issued or administered by Sun Life.

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PFMLWC-1076 #1489660978 09/24 (exp. 09/26)