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Advise our Vermont businesses on Family & Medical Leave Insurance
Taking a leave is possible for employees who qualify for the federal Family & Medical Leave Act and/or Vermont’s Parental and Family Leave Law, but for many it isn’t affordable. With Family & Medical Leave Insurance (FMLI) from The Hartford, employers can offer employees a way to be paid during leave.
Help Vermont’s workforce replace their income during qualified leave with FMLI
Your Vermont clients are in a tight labor market. Businesses are struggling to fill positions, while candidates and employees alike are looking for increased flexibility to meet their responsibility to their family and their health.
Family & Medical Leave Insurance (FMLI) from The Hartford may help Vermont employers compete and may create benefit parity among companies in other states. This benefit helps replace income for covered employees during a qualified leave.
With FMLI, you can help Employers round out their benefit package in a way that helps employees balance their lives inside and outside of work. And, the cost of this benefit can be employer-paid, employee-paid, or a hybrid.
Family & Medical Leave Insurance for Your Vermont Clients
The Hartford has been chosen to implement Vermont's optional FMLI program
In the absence of a federal paid leave program, states are stepping up to the challenge and partnering with insurance companies to make paid leave accessible to workers and their families. In December of 2022, the state of Vermont selected The Hartford to help them make a wage-replacement benefit available for Vermont workers, without imposing a new tax on employers or employees.
Vermont’s Phased FMLI Rollout Dates
The Hartford will rollout FMLI in Vermont in a three-phase process:
- Vermont State Government Employees: This phase began in July 2023 and provided nearly all Vermont State Government Employees with 60% wage replacement coverage for up to six weeks’ leave.
- Employers: This phase will begin in July 2024, and will expand the program on a voluntary basis to Vermont's private employers and other non-state public employers with two or more employees.
- Individual: This phase will begin July 2025 and will allow all Vermont workers, including self-employed workers and those whose employers do not offer FMLI as an employee benefit, to purchase their own FMLI coverage.
FMLI is an optional benefit for employers and employees
Family and Medical Leave Insurance (FMLI) and standalone Family Leave Insurance (FLI) are new, non-mandated insurance products available in Vermont. In contrast with several other states' programs, the Vermont program offers a less complicated structure than statutory programs and allows the flexibility employers need to choose a plan that works for their business and their employees. The employer chooses the options, and the employee chooses to participate.
How FMLI protects workers' wages
Vermont’s Family and Medical Leave Insurance (FMLI) fills the gap between the job protections of the federal FMLA and/or Vermont's Parental and Family Leave law, and the reality that most workers cannot afford to take leave without wage replacement.
FMLI plans will provide an income replacement benefit to covered employees who take a qualified leave from work. The leave may be continuous, intermittent, or on a reduced work schedule basis.
Help Vermont employers attract and retain employees with FMLI
The Vermont labor market is competitive, and as more companies begin offering paid family and medical leave, those that don’t could be less attractive to prospective employees and may find their existing workforce considers a change when they face a challenge in family circumstances, such as the birth of a child or a serious illness.
Your clients know they must offer meaningful benefits to attract top talent. The Hartford can help you educate your clients, demonstrating the power of paid leave not only to boost their ability to hire the best but also to hold on to valuable employees over time.
Offer employers integration with other employee benefits
FMLI can be designed to integrate with other employer sponsored benefits and salary continuation programs.
What Do Brokers Need to Know
Are commissions paid on this product?
Yes, commissions will be paid to brokers for VT FMLI. Reach out to your representative from The Hartford for more information.
Who will handle the claims process for VT FMLI/FLI?
All claims will be submitted and administered by The Hartford.
How do I request a VT FMLI or standalone VT FLI quote?
Quoting begins February 15, 2024. Contact your sales representative at The Hartford for a quote.
What information is needed to obtain a quote?
When requesting a quote, please have the employer census available. The census should include age, gender and salary.
Plan Details
FMLI can be customized to meet your specific needs and budget.
Webinars
Lake Champlain Chamber of Commerce
Voluntary VT Paid Family and Medical Leave Insurance Program Webinar
September 7, 2023
Employer Webinar
Vermont Chamber of Commerce
Vermont’s Voluntary Family and Medical Leave Insurance Webinar
November 7, 2023
Employer Webinar
The Hartford’s Vermont Family and Medical Leave Insurance Broker Webinar
Join our Group Benefits experts as we discuss the benefits of The Hartford’s new Vermont Family and Medical Leave Insurance (FMLI) program. This flexible program, designed around business needs, aids in employee retention and promotes a culture of wellness while reducing financial risk for employers.
January 17, 2024
Broker Webinar
