Navigating State Paid Family Leave (PFL) and Disability Insurance (DI) Laws
Last updated: November 25, 2024
This guide provides an overview of state requirements for Paid Family Leave (PFL) and Disability Insurance (DI) programs across the United States. Please note that specific regulations, eligibility criteria, and benefit structures may vary by state.
Mandatory State Programs
State | Programs | Coverage Requirements | Employee Eligibility | Benefits |
California | SDI, PFL | 1+ employees, $100+ quarterly payroll | $300+ base period earnings | 60-70% of weekly earnings, max $1,620/week, 52 weeks DI, 8 weeks PFL |
Colorado | PFML | 1+ employee private employers | $2,500 base period earnings | 90% of wages up to state average weekly wage, max $1,100/week, 12 weeks + 4 weeks for pregnancy |
Connecticut | FMLI | All private employers except non-public schools | $2,325 highest quarter earnings | Up to 95% of base weekly earnings, max $941.40/week, 12 weeks + 2 weeks for pregnancy |
Hawaii | TDI | 1+ employees, $225+ quarterly payroll | 20+ hours/14 weeks, $400+ earnings | 58% of average weekly earnings, max $798/week, 26 weeks |
Massachusetts | PFML | All Massachusetts employers | 30x weekly benefit amount earnings | Up to 80% of average weekly wage, max $1,149.90/week, 20 weeks medical, 12 weeks family, 26 weeks total |
New Jersey | TDI, FLI | 1+ employees, $1,000 annual payroll | $283/week for 20 weeks | 85% of average weekly wage, max $1,055/week, 26 weeks DI, 12 weeks FL |
New York | DBL, PFL | 1+ employees for 30 days | 4 consecutive weeks of work | DBL: 50% of average weekly wage, max $170; PFL: 67% of average weekly wage, max $1,151.16, 26 weeks DBL, 12 weeks PFL |
Oregon | FMLI | All employers with Oregon employees | $1,000 base year earnings | Up to 100% of average weekly wage, max 120% of state average weekly wage, 12 weeks total |
Rhode Island | TDI, TCI | 1+ employees earning $1,000+/quarter | N/A | 4.62% of highest quarter wages, max $1,043/week, 30 weeks TDI, 6 weeks TCI |
Washington | PFML | All Washington employers | 820 hours during qualifying period | Up to 90% of average weekly wage, max $1,456/week, 12 weeks standard, up to 18 weeks with complications |
Voluntary State Programs
Alabama
Arkansas
Florida
New Hampshire
Tennessee
Texas
Vermont
Virginia
Important Considerations:
Waiting Periods: Most states require a waiting period before benefits begin.
Private Plans: Many states allow private plans as alternatives to state-run programs.
Contribution Rates and Wage Bases: These vary by state and may change annually.
Pregnancy-Related Conditions: Some states have additional provisions for pregnancy-related conditions.
Taxes: Benefits may be subject to state and federal taxes.
For the most accurate and up-to-date information, please consult your state's specific guidelines or speak with your HR representative.
To learn more about our employee leave administration procedures, please refer to this helpful article: Employee Leave Administration Guide: Disability Insurance & Paid Family Leave