1. Businesses
  2. Protect My Employees
  3. Group benefits
  4. Paid family and medical leave & state disability insurance
  5. Massachusetts paid family and medical leave

Massachusetts paid family and medical leave

Key features

Coverage options

State plan or state-approved voluntary private plan

Funding (2022)

Employers with less than 25 employees:

  • 0.224% of employee wages up to the Social Security cap for medical leave; employees contribute 100%
  • 0.12% of employee wages up to the Social Security cap for family leave; employees contribute up to 100%

Employers with 25 or more employees:

  • 0.68% of employee wages up to the Social Security cap for medical leave; employees contribute up to 40%
  • 0.12% of employee wages up to the Social Security cap for family leave; employees contribute up to 100%

Waiting period

7 days

Benefit

(Begins January 1, 2021)
  • 80% of average weekly wage up to 50% of state’s average weekly wage plus
  • 50% of average weekly wage over 50% of state’s average weekly wage

Maximum benefit

$850 per week (2021)

$1,084.31 per week (2022)

Benefit duration

(Within a 52 consecutive week period)
  • 20 weeks for medical leave
  • 12 weeks for family leave (26 weeks to care for a covered service member)
  • 26 weeks for family and medical leave combined

Get more information from the State of Massachusetts.

Principal® has a solution

We’re here to help by offering a state-approved voluntary private plan. When you have other group insurance products with us, it’s easy to add this solution. Plus, you get the same top-level service that comes with any of our products.

You can be assured Principal is committed to offering a private plan that meets your obligation under the paid family and medical leave law as a Massachusetts employer. Our fully insured product is available to employers who offer at least one other qualifying, insured Principal product (group short-term disability, long-term disability, term life, or dental insurance) and have 10 or more employees working in Massachusetts.

Submitting a claim

To start a PFML claim in Massachusetts, complete and submit the claim online.

Or, complete and submit the appropriate PFML claim form for Massachusetts. Apply for leave:

Submit form by:

  • Mail: Principal Life Insurance Company
    Attn: Group Life & Disability Claims Department
    711 High St.
    Des Moines, IA 50392-0002
  • Email: SBDClaims@principal.com
  • Fax: 800-255-6609

Want to learn more?

Talk to your advisor to design a benefit offering that meets the specific needs of your business and employees.

This summary is not a complete statement of the rights, benefits, limitations or exclusions of the insurance described here. For cost and coverage details, contact your Principal representative.

Insurance issued by Principal Life Insurance Company, Des Moines, IA 50392.

EC4999MA-01