The document provides information on statutory disability and paid family leave plans for various states. It lists the state plan name, maximum benefits in terms of percentage of wages and dollar amount per week, maximum employee and plan costs as a percentage of wages, and administration choices including state fund, self-fund, or insurance company options. The information is organized in a table format with a column for each data point about each state's plan.
State Disability & Paid Family Leave Reference Guide.pptxMichael Cohen
The document provides an overview and reference guide on state disability and paid family leave programs. It discusses key details of paid family leave programs and policies in several states, including New York, New Jersey, Connecticut, Massachusetts, and New Hampshire. These include benefit amounts, qualifying reasons for leave, and whether the programs are publicly or privately administered.
State Disability & Paid Family Leave Reference Guide.pptxMichael Cohen
In this comprehensive presentation on FMLA (Family and Medical Leave Act) and PFL (Paid Family Leave), we will delve into the various aspects of these important policies, providing a thorough understanding of the benefits and regulations surrounding paid family leave.
The presentation will begin with an exploration of Paid Family Leave Benefits, emphasizing the advantages it offers to employees seeking time off to care for themselves or their family members during critical life events. We will discuss the importance of having a well-defined Paid Family Leave Policy in place, highlighting the need for clear guidelines and procedures for employees to access these benefits.
To determine eligibility, we will examine the Qualifying Reasons for Paid Family Leave, elucidating the circumstances under which employees can avail themselves of this invaluable support. We will also address Paid Family Leave Status, providing a comprehensive overview of the availability and regulations pertaining to this policy in all states.
The presentation will then shift focus to the responsibilities and considerations for both employees and employers. We will explore the obligations employers have in terms of Providing Care and ensuring that Family Members are supported during their time of need. The significance of obtaining Medical Certification for leave requests will be discussed, along with the Employee Notice requirements for initiating a request.
Furthermore, we will examine the provision of Paid Family Leave benefits in situations involving Military Exigency and how these benefits apply to Collective Bargaining Units. Employer Obligations and the importance of maintaining Health Insurance coverage during leave will also be addressed.
Throughout the presentation, we will emphasize the importance of Reinstatement after a leave period, ensuring that employees are not subject to Discrimination or Retaliation upon their return to work. We will discuss best practices for fostering a supportive work environment that respects employees' rights and encourages their professional growth.
Lastly, we will introduce our esteemed Partners, including Bind DBL/PLF, who provide essential services and resources related to FMLA and PFL. We will showcase how our collaboration enhances the implementation and management of these policies, ensuring a smooth and efficient process for employees and employers alike.
Join us for this enlightening presentation on FMLA & PFL Overview, where you will gain a comprehensive understanding of Paid Family Leave Benefits, Policies, Qualifying Reasons, and the crucial role it plays in the lives of employees and their families.
Joel Flinchbaugh from Smith Elliott Kearns & Company presented on the tax impacts of the Affordable Care Act. Key points include: the Act will cost $940 billion over 10 years and expand coverage to 32 million Americans; businesses must comply with new reporting and coverage requirements or pay penalties; and individuals will pay higher Medicare taxes, see limits on flexible spending accounts and medical deductions, and face a penalty if uninsurred starting in 2014. The presentation provided details on these new requirements and their implications.
The Patient Protection Act introduces several new taxes and penalties related to health insurance. It does not mandate that individuals have insurance but will penalize those who do not starting in 2014. It also penalizes large employers who do not provide insurance or provide inadequate coverage. It provides tax credits to help low-income individuals afford coverage and gives tax credits to small employers who provide coverage. Higher income individuals and high-cost insurance plans will be taxed to help fund the overall plan.
This document summarizes Massachusetts' unemployment insurance program, including its federal-state partnership structure, funding sources, eligibility requirements, benefit amounts and durations, employer tax rates, and recent stimulus enhancements. Key points include: Massachusetts offers up to 30 weeks of standard UI benefits, plus additional weeks of extended federal benefits during periods of high unemployment. Benefit amounts are based on prior earnings. The program is funded through a payroll tax on employers, with tax rates varying based on balances in employer reserve accounts and the state trust fund. The federal stimulus bill provided additional funding and benefits through 2010.
The document discusses key provisions and effects of the Affordable Care Act (ACA or Obamacare). It outlines provisions such as prohibiting denial of coverage for pre-existing conditions, expanding Medicaid eligibility, establishing health insurance exchanges, and requiring individuals to have health insurance coverage or pay a penalty. The effects discussed include more people gaining health insurance coverage through Medicaid expansion or subsidies, but also higher taxes, premiums and deficits. Critics argue it will negatively impact employment and access to doctors while supporters say it ends unfair insurance industry practices.
This document provides a summary of key 2017 tax reference information including:
- Personal exemption and standard deduction amounts.
- Capital gains tax rates and IRA/pension plan contribution limits.
- Estate and gift tax exemption amounts.
- Medicare surtax thresholds.
- Health care penalties for no coverage and long-term care deduction limits.
- Standard deduction amounts and tax brackets for single, married joint, married separate, head of household, estates and trusts, and corporations.
The document provides a summary of group insurance benefits for employees of Uberflip, including:
- Basic life insurance of $30,000 reducing to $15,000 at age 70, terminating at age 75 or retirement.
- Optional life insurance in units of $25,000 up to a maximum of $600,000, requiring evidence of insurability.
- Accidental death and dismemberment insurance of $30,000 reducing to $15,000 at age 70, terminating at age 75 or retirement.
- Dependant life insurance of $10,000 for spouse and $5,000 for children, terminating at the employee's termination or age 75.
- Long term disability
State Disability & Paid Family Leave Reference Guide.pptxMichael Cohen
The document provides an overview and reference guide on state disability and paid family leave programs. It discusses key details of paid family leave programs and policies in several states, including New York, New Jersey, Connecticut, Massachusetts, and New Hampshire. These include benefit amounts, qualifying reasons for leave, and whether the programs are publicly or privately administered.
State Disability & Paid Family Leave Reference Guide.pptxMichael Cohen
In this comprehensive presentation on FMLA (Family and Medical Leave Act) and PFL (Paid Family Leave), we will delve into the various aspects of these important policies, providing a thorough understanding of the benefits and regulations surrounding paid family leave.
The presentation will begin with an exploration of Paid Family Leave Benefits, emphasizing the advantages it offers to employees seeking time off to care for themselves or their family members during critical life events. We will discuss the importance of having a well-defined Paid Family Leave Policy in place, highlighting the need for clear guidelines and procedures for employees to access these benefits.
To determine eligibility, we will examine the Qualifying Reasons for Paid Family Leave, elucidating the circumstances under which employees can avail themselves of this invaluable support. We will also address Paid Family Leave Status, providing a comprehensive overview of the availability and regulations pertaining to this policy in all states.
The presentation will then shift focus to the responsibilities and considerations for both employees and employers. We will explore the obligations employers have in terms of Providing Care and ensuring that Family Members are supported during their time of need. The significance of obtaining Medical Certification for leave requests will be discussed, along with the Employee Notice requirements for initiating a request.
Furthermore, we will examine the provision of Paid Family Leave benefits in situations involving Military Exigency and how these benefits apply to Collective Bargaining Units. Employer Obligations and the importance of maintaining Health Insurance coverage during leave will also be addressed.
Throughout the presentation, we will emphasize the importance of Reinstatement after a leave period, ensuring that employees are not subject to Discrimination or Retaliation upon their return to work. We will discuss best practices for fostering a supportive work environment that respects employees' rights and encourages their professional growth.
Lastly, we will introduce our esteemed Partners, including Bind DBL/PLF, who provide essential services and resources related to FMLA and PFL. We will showcase how our collaboration enhances the implementation and management of these policies, ensuring a smooth and efficient process for employees and employers alike.
Join us for this enlightening presentation on FMLA & PFL Overview, where you will gain a comprehensive understanding of Paid Family Leave Benefits, Policies, Qualifying Reasons, and the crucial role it plays in the lives of employees and their families.
Joel Flinchbaugh from Smith Elliott Kearns & Company presented on the tax impacts of the Affordable Care Act. Key points include: the Act will cost $940 billion over 10 years and expand coverage to 32 million Americans; businesses must comply with new reporting and coverage requirements or pay penalties; and individuals will pay higher Medicare taxes, see limits on flexible spending accounts and medical deductions, and face a penalty if uninsurred starting in 2014. The presentation provided details on these new requirements and their implications.
The Patient Protection Act introduces several new taxes and penalties related to health insurance. It does not mandate that individuals have insurance but will penalize those who do not starting in 2014. It also penalizes large employers who do not provide insurance or provide inadequate coverage. It provides tax credits to help low-income individuals afford coverage and gives tax credits to small employers who provide coverage. Higher income individuals and high-cost insurance plans will be taxed to help fund the overall plan.
This document summarizes Massachusetts' unemployment insurance program, including its federal-state partnership structure, funding sources, eligibility requirements, benefit amounts and durations, employer tax rates, and recent stimulus enhancements. Key points include: Massachusetts offers up to 30 weeks of standard UI benefits, plus additional weeks of extended federal benefits during periods of high unemployment. Benefit amounts are based on prior earnings. The program is funded through a payroll tax on employers, with tax rates varying based on balances in employer reserve accounts and the state trust fund. The federal stimulus bill provided additional funding and benefits through 2010.
The document discusses key provisions and effects of the Affordable Care Act (ACA or Obamacare). It outlines provisions such as prohibiting denial of coverage for pre-existing conditions, expanding Medicaid eligibility, establishing health insurance exchanges, and requiring individuals to have health insurance coverage or pay a penalty. The effects discussed include more people gaining health insurance coverage through Medicaid expansion or subsidies, but also higher taxes, premiums and deficits. Critics argue it will negatively impact employment and access to doctors while supporters say it ends unfair insurance industry practices.
This document provides a summary of key 2017 tax reference information including:
- Personal exemption and standard deduction amounts.
- Capital gains tax rates and IRA/pension plan contribution limits.
- Estate and gift tax exemption amounts.
- Medicare surtax thresholds.
- Health care penalties for no coverage and long-term care deduction limits.
- Standard deduction amounts and tax brackets for single, married joint, married separate, head of household, estates and trusts, and corporations.
The document provides a summary of group insurance benefits for employees of Uberflip, including:
- Basic life insurance of $30,000 reducing to $15,000 at age 70, terminating at age 75 or retirement.
- Optional life insurance in units of $25,000 up to a maximum of $600,000, requiring evidence of insurability.
- Accidental death and dismemberment insurance of $30,000 reducing to $15,000 at age 70, terminating at age 75 or retirement.
- Dependant life insurance of $10,000 for spouse and $5,000 for children, terminating at the employee's termination or age 75.
- Long term disability
This document provides key tax reference information for 2016, including:
- Standard deduction and personal exemption amounts.
- Capital gains tax rates and IRA/pension plan contribution limits.
- Estate and gift tax exemption amounts.
- Medicare tax rates for high-income individuals.
- Affordable Care Act penalty amounts for not having health insurance.
- Tax brackets and rates for individual filing statuses.
- Social Security tax rates and income thresholds for taxing benefits.
Economic alliance health care reform update march 5-2013Michelle Hundley
The document summarizes upcoming changes to health care reform regulations beginning in 2013, including limits on flexible spending accounts, new reporting requirements for employers, comparative effectiveness research fees, exchange notices for employees, individual mandates, employer pay or play rules, and independent contractor classifications. It also outlines additional reforms taking effect in 2014, such as state health insurance exchanges, premium subsidies, individual and employer mandates, rating limits, and cost sharing limits.
- The Patient Protection and Affordable Care Act (PPACA) was signed into law on March 23, 2010, aiming to expand health insurance coverage to 32 million Americans currently uninsured at an estimated cost of $1.2 trillion over 10 years.
- Key provisions include eliminating pre-existing condition limitations, coverage for children until age 26, preventing annual/lifetime coverage limits, and requiring individuals to have health insurance or pay a penalty.
- Implementation of provisions occurs between 2010-2020, with major changes such as health insurance exchanges and penalties for uninsured individuals beginning in 2014.
Gross pay is the total amount an employee earns before taxes are deducted. Employers are required to deduct federal withholding tax, social security tax, and Medicare tax from employees' paychecks. Social security tax pays for retirement benefits and Medicare tax pays for health insurance. The amount of federal withholding tax deducted is determined using tax tables that consider the employee's marital status, number of exemptions claimed, and pay frequency.
This document provides information on various public benefits programs in Alabama including:
- Medicaid eligibility and income/resource limits for SSI, institutional care, and home and community-based waivers.
- Medicare Savings Programs eligibility and premium subsidies.
- Medicare Part A, B, and D premiums, deductibles, and cost sharing amounts.
- Social Security retirement ages and benefit reductions for early retirement.
- Low Income Subsidy ("Extra Help") eligibility and subsidy levels for Medicare Part D prescription drugs.
- Alabama food assistance program limits.
- Federal estate and gift tax exemptions.
2017 TORONTO Fall Event - Proposed Tax Reform: What You Need to Know (October...Nicola Wealth Management
On October 1, 2017, NWM hosted a group of clients at the Four Seasons Hotel Toronto to discuss Finance Minister Bill Morneau and the Canadian government's proposal for tax reform impacting the majority of Canadian business owners.
NWM President, David Sung, opened the evening with an overview of the proposed tax changes. He provided some context and asked the audience to consider the political undertone of the Liberal government's tax proposal and the way in which they have handled the public push-back.
John Nicola, Chairman & CEO, an overview of what the government is proposing exactly and the impact it will have. He went on to discuss some planning options available to Canadian business owners.
This document provides information on various public benefits programs in Alabama including eligibility standards, income and resource limits, and effective dates. It covers SSI, Medicaid, Medicare Savings Programs, Medicare premiums and costs, Social Security retirement and disability benefits, and the Alabama Elderly Simplified Application Project food assistance program. The information is assembled by Jan Neal and produced by an Area Agency on Aging with funding from the Centers for Medicare and Medicaid Services.
Business Tax credits for Disability Access and Hiring People with disabilities / veterans / specific target groups in the Work Opportunity Tax Credit (WOTC)
The document provides information about retirement planning including estimating retirement income needs, financing retirement through savings and purchasing service credits, and options for taking retirement benefits like partial lump sums. It discusses factors like estimating life expectancy, investing for inflation protection, and managing savings to ensure money lasts through retirement. Specific calculations and costs are given for purchasing service credits to increase monthly retirement income amounts.
Debt Relief For Small Businesses- Requirements for Your Loan Application – CO...Sylvie Luanghy
This document summarizes various SBA COVID-19 relief programs for small businesses, including the Paycheck Protection Program (PPP). The PPP provides loans to cover 8 weeks of payroll costs that may be fully forgiven if jobs are maintained. Other programs include the Economic Injury Disaster Loan (EIDL) Advance of up to $10,000 and SBA Express Bridge Loans of up to $25,000 to help overcome temporary loss of revenue. Details are provided on loan calculations, eligibility, and documentation required for each program.
On October 5, 2017, NWM hosted a group of over 500 people at the Fairmont Hotel Vancouver to discuss the Finance Minister Bill Morneau and the Canadian government's proposal for tax reform impacting the majority of Canadian business owners.
NWM President, David Sung, opened the evening with an overview of the proposed tax changes. He provided some context and asked the audience to consider the political undertone of the Liberal government's tax proposal and the way in which they have handled the public push-back.
John Nicola, Chairman & CEO, an overview of what the government is proposing exactly and the impact it will have. He went on to discuss some planning options available to Canadian business owners.
R. Dane Rianhard's presentation on the Affordable Care Act; Present for Smith Elliott Kearns & Company at Fountain Head Country Club in Hagerstown Maryland on Tuesday 10/1/2013
Core hcr presentation rental association wo videoJosh Nickell
The document discusses key provisions of the Affordable Care Act including the employer mandate, individual mandate, premium tax credits, metallic levels, deductible and out-of-pocket limits, medical loss ratio, guaranteed issue, adjusted community rating, essential health benefits, and employer options. It provides an overview of the timeline for implementation of various ACA provisions from 2010 to 2018. The presentation is for the GA Chapter of the American Rental Association to explain health care reform and what employers can do.
NY Wage Parity Compliance and Your Home Health Care Business.
Crucial information for Home Care and Home Health Aid (HHA) Companies who want to be in compliance with the NY Wage Parity law.
John Adams received total compensation of $80,752 in 2016 from ABC Company. This included a base salary of $60,000, commissions of $776, and benefits valued at $19,976. ABC Company paid 65.8% of the cost of John's benefits, including medical, dental, life insurance, disability, retirement contributions and matches, while John paid 34.2% of the cost. The statement provides details on John's various benefits and compensation.
This document provides information about Social Security benefits in the United States, including retirement benefits, cost of living adjustments, eligibility requirements, benefit calculations, Medicare coverage, and planning for retirement. Key details include how Social Security benefits are calculated based on earnings history, the full retirement age increasing to 67, spousal and child benefits, survivors benefits, and Medicare enrollment periods.
The document summarizes a webinar about outreach efforts to promote awareness and claiming of the Earned Income Tax Credit (EITC). It introduces presenters from Catholic Charities USA, the Center on Budget and Policy Priorities, and the IRS. They discuss the importance of the EITC in lifting millions out of poverty, how eligible workers can benefit, and the need for outreach to connect more eligible individuals with free tax preparation assistance to claim the EITC.
This document provides an overview of Washington State's new Paid Family and Medical Leave Act, which creates a state-run insurance program for paid family and medical leave. Key points include: the program will be funded by payroll deductions from both employers and employees starting in 2019, with benefits available in 2020; it provides up to 12 weeks paid leave for family care and 12-18 weeks for medical leave depending on circumstances; employers with under 50 employees do not have to pay the employer premium share. The document also discusses eligibility requirements, qualifying reasons for leave, notice requirements, job protection provisions, and enforcement.
This document discusses key aspects of the 2010 health care reform legislation, including:
- The two acts that comprise the reform and their goals of expanding coverage and reducing costs.
- Provisions that expand Medicaid eligibility and the number of insured individuals.
- Requirements for qualified health plans being offered on state exchanges beginning in 2014.
- Penalties for individuals and large employers regarding mandatory coverage and requirements to offer affordable plans.
IMPACT Silver is a pure silver zinc producer with over $260 million in revenue since 2008 and a large 100% owned 210km Mexico land package - 2024 catalysts includes new 14% grade zinc Plomosas mine and 20,000m of fully funded exploration drilling.
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
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This document provides key tax reference information for 2016, including:
- Standard deduction and personal exemption amounts.
- Capital gains tax rates and IRA/pension plan contribution limits.
- Estate and gift tax exemption amounts.
- Medicare tax rates for high-income individuals.
- Affordable Care Act penalty amounts for not having health insurance.
- Tax brackets and rates for individual filing statuses.
- Social Security tax rates and income thresholds for taxing benefits.
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The document summarizes upcoming changes to health care reform regulations beginning in 2013, including limits on flexible spending accounts, new reporting requirements for employers, comparative effectiveness research fees, exchange notices for employees, individual mandates, employer pay or play rules, and independent contractor classifications. It also outlines additional reforms taking effect in 2014, such as state health insurance exchanges, premium subsidies, individual and employer mandates, rating limits, and cost sharing limits.
- The Patient Protection and Affordable Care Act (PPACA) was signed into law on March 23, 2010, aiming to expand health insurance coverage to 32 million Americans currently uninsured at an estimated cost of $1.2 trillion over 10 years.
- Key provisions include eliminating pre-existing condition limitations, coverage for children until age 26, preventing annual/lifetime coverage limits, and requiring individuals to have health insurance or pay a penalty.
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This document provides information on various public benefits programs in Alabama including:
- Medicaid eligibility and income/resource limits for SSI, institutional care, and home and community-based waivers.
- Medicare Savings Programs eligibility and premium subsidies.
- Medicare Part A, B, and D premiums, deductibles, and cost sharing amounts.
- Social Security retirement ages and benefit reductions for early retirement.
- Low Income Subsidy ("Extra Help") eligibility and subsidy levels for Medicare Part D prescription drugs.
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- Federal estate and gift tax exemptions.
2017 TORONTO Fall Event - Proposed Tax Reform: What You Need to Know (October...Nicola Wealth Management
On October 1, 2017, NWM hosted a group of clients at the Four Seasons Hotel Toronto to discuss Finance Minister Bill Morneau and the Canadian government's proposal for tax reform impacting the majority of Canadian business owners.
NWM President, David Sung, opened the evening with an overview of the proposed tax changes. He provided some context and asked the audience to consider the political undertone of the Liberal government's tax proposal and the way in which they have handled the public push-back.
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This document provides information on various public benefits programs in Alabama including eligibility standards, income and resource limits, and effective dates. It covers SSI, Medicaid, Medicare Savings Programs, Medicare premiums and costs, Social Security retirement and disability benefits, and the Alabama Elderly Simplified Application Project food assistance program. The information is assembled by Jan Neal and produced by an Area Agency on Aging with funding from the Centers for Medicare and Medicaid Services.
Business Tax credits for Disability Access and Hiring People with disabilities / veterans / specific target groups in the Work Opportunity Tax Credit (WOTC)
The document provides information about retirement planning including estimating retirement income needs, financing retirement through savings and purchasing service credits, and options for taking retirement benefits like partial lump sums. It discusses factors like estimating life expectancy, investing for inflation protection, and managing savings to ensure money lasts through retirement. Specific calculations and costs are given for purchasing service credits to increase monthly retirement income amounts.
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On October 5, 2017, NWM hosted a group of over 500 people at the Fairmont Hotel Vancouver to discuss the Finance Minister Bill Morneau and the Canadian government's proposal for tax reform impacting the majority of Canadian business owners.
NWM President, David Sung, opened the evening with an overview of the proposed tax changes. He provided some context and asked the audience to consider the political undertone of the Liberal government's tax proposal and the way in which they have handled the public push-back.
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This document provides information about Social Security benefits in the United States, including retirement benefits, cost of living adjustments, eligibility requirements, benefit calculations, Medicare coverage, and planning for retirement. Key details include how Social Security benefits are calculated based on earnings history, the full retirement age increasing to 67, spousal and child benefits, survivors benefits, and Medicare enrollment periods.
The document summarizes a webinar about outreach efforts to promote awareness and claiming of the Earned Income Tax Credit (EITC). It introduces presenters from Catholic Charities USA, the Center on Budget and Policy Priorities, and the IRS. They discuss the importance of the EITC in lifting millions out of poverty, how eligible workers can benefit, and the need for outreach to connect more eligible individuals with free tax preparation assistance to claim the EITC.
This document provides an overview of Washington State's new Paid Family and Medical Leave Act, which creates a state-run insurance program for paid family and medical leave. Key points include: the program will be funded by payroll deductions from both employers and employees starting in 2019, with benefits available in 2020; it provides up to 12 weeks paid leave for family care and 12-18 weeks for medical leave depending on circumstances; employers with under 50 employees do not have to pay the employer premium share. The document also discusses eligibility requirements, qualifying reasons for leave, notice requirements, job protection provisions, and enforcement.
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Statutory Disability & Paid Family Leave Plans.pptx
1. W W W . I N S U R A N C E W H O L E S A L E R . C O M
Statutory Disability
& Paid Family
Leave Plans
2. My father used to say,
"Nickels, Dimes and Quarters make Dollars." This wise phrase reminds me that small savings can
add up to significant amounts over time. " It's not about how much money you make but how much
you can keep.“ To build a successful business, my father advised me to "expand and scale out like Los
Angeles, rather than up like New York. Instead focus on broadening the business horizons while
maintaining the core values of what we do best."
He also reminded me to "stay true to our expertise, as we have been providing required state
disability, paid family leave, and ancillary employee benefits since 1976. " His words of wisdom have
always inspired me to stay grounded and work towards achieving long-term success.
Founder
3. STATE
STATUTORY
DISABILITY PLAN
NAME
BENEFITS
MAXIMUM
EMPLOYEE COST
MAXIMUM
PLAN COST
EMPLOYER
ADMINISTRATION
CHOICES
California
California State Disability
Insurance (SDI)
Effective 1/1/20 8-8-52, 60% or 70%
to $1,300/week
Effective 1/1/20, $1.0% of
taxable wages up to
$122,909/yr. ($1,229.09
max/yr.) per employee,
employee pays full cost in
State Fund
Effective 1/1/20, $1.0% of
taxable wages up to
$122,909/yr., employee pays
full cost
• State Fund
• Self-Fund
Hawaii
Hawaii Temporary
Disability Insurance Law
(TDI)
Effective 1/1/20 8-8-26, 58% to
$650/week
Effective 1/1/20, 0.5% of
taxable wages not to
exceed 50% of total cost
up to $58,210.88/yr.
($291.05 max/yr.)
None – No State Fund in HI
Cost variable through
insurance companies or
TPA’s
• Insurance Company or
TPA
• Self-Fund
New Jersey
Temporary Disability
Benefit (TDB)
Effective 1/1/20
8-8-26
66 ⅔ % to $667/week
Effective 7/1/20
85% to $881/week
Effective 1/1/20
0.26% of taxable wages up
to Employee taxable
wage cap: $134,900/yr.
($350.74 max/yr.)
Effective 1/1/20
Employer taxable wage cap:
$35,300
Employers pay between
0.10% ($35.30/
max/EE/yr.) up to 0.75%
($264.75
max//EE/yr.).
Total Max Rate = employee
(0.26%) +
employer (0.75%) =
$615.49/ee/yr
• State Fund
• Insurance Company or
TPA
• Self-Fund
4. STATE
STATUTORY
DISABILITY PLAN
NAME
BENEFITS
MAXIMUM
EMPLOYEE COST
MAXIMUM
PLAN COST
EMPLOYER
ADMINISTRATION
CHOICES
New York
Disability Benefits Law
(DBL)
Effective 1/1/20
8-8-26*
50% to $170/week
* DBL and PFL share a combined 26
weeks in
52 week period
0.5% of covered wages but
contribution cannot
exceed $.60/week ($31.20
max/yr)
Employers with < 50 Lives*
NY SIF Rate: $0.14/$100 of
pay up to
$17,680/yr. ($24.75
max/ee/yr.)
Employers with 50+ Lives
Plan cost is experience-rated
• State Fund
• Insurance Company or
TPA
• Self-Fund
Puerto Rico
Disability Benefits Act
(DBA)
8-8-26
Industrial: 65% to $113/wk
Agricultural: 65% to $55/wk
50% of premium cost but
not more than 0.3%
of covered wages up to
$9,000 (Industrial
employees only)
Industrial employee:
$27.00 max/yr.
0.6% of covered wages up to
$9,000/yr. per employee
• State Fund
• Insurance Company or
TPA
• Self-Fund
Rhode Island
Temporary Disability
Insurance Law (TDI)
Effective 7/1/19
1-1-30* 60% to $867/week**
* Must be disabled 7 consecutive days to
receive benefits payable from the 1st day
of disability
** If dependents: the greater of 7% of
the weekly max or $10 per dependent up
to max of $1,170.00 (5 dependent max)
Effective 1/1/20*
1.3% of first $72,300/year
of Taxable Wages
($939.90 max/yr.)
Employee pays full cost in
State Fund
* State of RI changes cost
on 1/1 and changes
benefit amount on 7/1
each year
Effective 1/1/20
1.3% of first $72,300/year of
taxable wages
per employee
Employee pays full cost
State Fund
5. STATE
STATUTORY
DISABILITY PLAN
NAME
BENEFITS
MAXIMUM
EMPLOYEE COST
MAXIMUM
PLAN COST
EMPLOYER
ADMINISTRATION
CHOICES
Washington
Paid Medical
Leave
(PML)
Effective 1/1/20
8-8-12* Earnings <50% of
SWAWW=90% to $1,000/week
Earnings >50% of SWAWW =
90%upto50%ofSWAWW,then50% up
to $1,000/week
* May be extended 2 weeks for serious
health condition w/pregnancy results in
incapacity
** Combined PML/PFL not to exceed 16
weeks in 52-week period (18 weeks if
pregnancy complication is extended)
Effective 1/1/19
.4% of Wages**
ER*: 37%
EE: 63%
* Employers with fewer
than 50 employees in WA
do not pay the ER share
** Combined rate for both
PML and PFL
Effective 1/1/19
.4% of Wages**
ER*: 37%
EE: 63%
* Employers with fewer than
50
employees in WA do not pay
the ER
share
** Combined rate for both
PML and PFL
• State Fund
• Self-Fund
Washington, DC
Universal Paid
Leave
Amendment Act
(PFL)
Effective 7/1/20
8-8-2**
Earnings =/< 150% of minimum wage x
40 = 90% of average weekly wage
Earnings > 150% of minimum wage x 40
= 90% for earnings <150% of minimum
x 40 then 50% of excess earnings to
maximum $1,000 per week
* 2-week maximum for disability
8-week maximum for parental leave 6-
week maximum for family member
care not to exceed 8 weeks combined in
a 52-week period
** 7-day waiting period occurs 1 time in
52- week period regardless of number of
qualifying events
$0
100% employer paid
.62% of employees’ gross
wages
District Fund only
6. STATE
STATUTORY
DISABILITY PLAN
NAME
BENEFITS
MAXIMUM
EMPLOYEE COST
MAXIMUM
PLAN COST
EMPLOYER
ADMINISTRATION
CHOICES
Massachusetts
Paid Medical
Leave (PML)
Effective 1/1/21* 8-8-20**
80% AWW to 50% SWAWW, then 50%
AWW to $850/week
* Benefits for all leaves other than family
memberwith serioushealth condition
which becomes effective 7/1/21
** Combined PML/PFL not to exceed 26
weeks
in 52-week period
Effective 10/1/2019
.62% of Gross Wages
ER*: 60%
EE: 40%
*ER with <25 employees:
ER: 0%
EE: 40%
Effective 10/1/2019
.62% of Gross Wages
ER*: 60%
EE: 40%
*ER with <25 employees:
ER: 0%
EE: 40%
• State Fund
• Self-Fund
• Fully Insured
Connecticut
Family Medical
Leave Insurance
Program (MLI)
Effective 1/1/22 1-1-12*
95% AWW up to 40 x state minimum
wage then
60% to 60 x state minimum wage
$825/week maximum benefit
* Combined FMLI benefit maximum in
52-week period unless incapacitated due
to serious health condition in pregnancy,
then 14-week maximum
Effective 1/1/21
Up to .5%* of gross
earnings to social security
maximum ($132,900). EE
cost max: $664.50/ year
* Subject to change
annually
100% employee paid
State Fund Self
Fund Fully
Insured**
**Fully Insured or Self-
Funded private options
require a majority
employee election
Oregon
Paid Medical
Leave (PML)
Effective 1/1/23 1-1-12*
If AWW is = / < 65% of SWAWWthen
100% of AWW is paid If AWW is > 65%
of SWAWW, then 65% of SWAWW, then
50% of remaining wages
to maximum of 120% of SWAWW(2019
SWAWWis $1,044.40 x120% =
$1,253.28)
* Combined PML/PFL not to exceed 12
weeks in 52-week period except when
limitations from pregnancy may add 2
additional weeks
Effective 1/1/22
60% of total rate
Rate up to 1% (capped at
1%) of wages to
$132,900 maximum
Effective 1/1/22
40% of total rate if ER has 25
or more employees
0 if employer has less than
25 employees
Rate up to 1% (capped at 1%)
of wages to $132,900
maximum
State Fund
Self- Fund
Fully Insured
7. STATE
STATUTORY
DISABILITY PLAN
NAME
BENEFITS
MAXIMUM
EMPLOYEE COST
MAXIMUM
PLAN COST
EMPLOYER
ADMINISTRATION
CHOICES
California
Paid Family
Leave (PFL)
Effective 1/1/20
Up to 6 weeks of benefits in any 12-
month period
Effective 7/1/20
Up to 8 weeks of benefits in any 12-
month period
60%or 70%ofweekly pay ranging
between $100 - $1,300/week
No waiting period
Combined with CA SDI see
page 1
Employee pays full cost in
State Fund
Effective 1/1/20
Combined with CA SDI see
page 1
Employee pays full cost
• State Fund
• Self-Fund
New Jersey
Family Leave
Insurance (FLI)
Effective 1/1/20
Up to 6 weeks of benefits in a 12-month
period beginning with first date of claim
66 2/3% of weekly pay up to $667week
Effective 7/1/2020
Up to 12 weeks of benefits in a 12-month
period
beginning with first date of claim.
85% of weekly pay up to $881 per week
Effective 1/1/20
0.16%of taxable wages up
to $134,900/yr.
($215.84 max/yr.)
Employee pays full cost.
Effective 1/1/20
0.16%of taxablewages up to
$134,900/ yr.
($215.84 max/yr.)
Employee pays full cost
• State Fund
• Insurance Company
or TPA
• Self-Fund
Rhode Island
Temporary Care
Giver Insurance
Program (TCI)
Effective 7/1/19
Up to 4 weeks of benefits in a 12-month
period beginning with first date of claim
60% to $867/week*
* If dependents: the greater of 7% of the
weekly max or $10 per dependent up to
max of $1,170.00 (5 dependent max)
Effective 1/1/20*
Combined with Disability
Payment Employee
pays full cost.
*State of RI changes cost
on 1/1 and changes
benefit amount on 7/1
each year
Effective 1/1/20
Combined with Disability
Payment Employee
pays full cost
• State Fund only
8. STATE
STATUTORY
DISABILITY PLAN
NAME
BENEFITS
MAXIMUM
EMPLOYEE COST
MAXIMUM
PLAN COST
EMPLOYER
ADMINISTRATION
CHOICES
New York
Paid Family
Leave (PFL)
Effective 1/1/20 1st day of leave
60% to $840.70/week
10 week duration ( or 50 intermittent
days)
.270% of covered wages
($196.72 max/yr.)
Covered wage cap:
$1401.17/week
$72,860.84/year
Employee pays full cost
Same for all carriers
including state.
Rate will be announced 9/1
each year by
NY State Department of
Financial Services
• State Fund
• Insurance Company
or TPA
• Self-Fund
Washington
Paid Family
Leave (PFL)
Effective 1/1/20* 8-8-12**
Earnings <50% of SWAWW = 90% to
$1,000/week Earnings >50% of
SWAWW = 90% up to 50% of SWAWW,
then 50% up to $1,000/ week
**pays 1st day if PFL taken for birth or
placement of child.
**Combined PML/PFL not to exceed 16
weeks in 52-week period (18 weeks if
pregnancy complication is extended)
Effective 1/1/19
.4% of Gross Wages**
ER*: 37% EE: 63%
*Employers with fewer
than 50 employees in WA
do not pay the ER share.
**Combined rate for both
PML and PFL
Effective 1/1/19
.4% of Gross Wages**
ER*: 37% EE: 63%
*Employers with fewer than
50 employees in WA do not
pay the ER share
**Combined rate for both
PML and PFL
• State Fund
• Self-Fund
Washington, DC
Paid Family
Leave (PFL)
Effective 7/1/20 8-8-8*
Earnings = /< 150% of minimum wage x
40 = 90% of average weekly wage
Earnings > 150% of minimum wage
x 40 = 90%up to 150% of minimum
wage x 40; then 50% of excess earnings
to maximum $1,000 per week.
* 8 week maximum for parental leave
6 week maximum for family member
care Maximum combined medical and
family leave cannot exceed 8 weeks in
52-week period
7-day waiting period occurs 1 time in 52-
week period regardless of number of
qualifying events
$0
100% employer paid
Combined coverage with
medical leave
District Fund only
9. STATE
STATUTORY
DISABILITY PLAN
NAME
BENEFITS
MAXIMUM
EMPLOYEE COST
MAXIMUM
PLAN COST
EMPLOYER
ADMINISTRATION
CHOICES
Massachusetts
Paid Family
Leave (PFL)
Effective 1/1/21* 8-8-12**
80% AWW to 50% SWAWW, then 50%
AWW to $850/week
*Benefits for all leaves other than family
member with serious health condition
which becomes effective 7/1/21
**Combined PML/PFL not to exceed 26
weeks in 52-week period
***PFL to care for family member
injured or ill due to line of duty gets 26
weeks
Effective 10/1/2019
.13% of Gross Wages
ER: 0%
EE: 100%
(all size businesses)
Effective 10/1/2019
.13% of Gross Wages
ER: 0%
EE: 100%
(all size businesses)
• State Fund
• Self-Fund
• Fully-Insured
Connecticut FMLI
Effective 1/1/22 1-1-12*
95% AWW up to 40 x state minimum
wage then 60% to 60 x state minimum
wage $840/week maximum benefit
* Combined FMLI benefit maximum in
52-week period unless incapacitated due
to serious health condition in pregnancy,
then 14-week maximum
Note: combined with
FMLI employee cost
100% employee paid
State Fund Self
Fund Fully
Insured**
**Fully Insured or Self-
Funded private options
require a majority
employee election
Oregon
Paid Family
Leave (PFL)
Effective 1/1/23 1-1-12*
If AWW is = / < 65% of SWAWWthen
100% of AWW is paid If AWW is > 65%
of SWAWW, then 65% of SWAWW, then
50% of remaining wages to maximum of
120% of SWAWW(2019 SWAWWis
$1,044.40 x120% = $1,253.28)
* Combined PML/PFL not to exceed 12
weeks in 52-week period except when
limitations from pregnancy may add 2
additional weeks
Effective 1/1/22
Note: combined with PML
employee cost
Effective 1/1/22
Note: combined with PML
employee cost
cost
State Fund
Self-Fund private Fully
Insured private