Quoting Available Now!
Contact your Broker, Sales Representative at The Hartford or call 800-523-2233.
Vermont Family and Medical Leave Insurance can work for you
Employers choose between offering Family Leave Insurance (FLI) or Family and Medical Leave Insurance (FMLI). Then, there are a range of flexible options to design a plan to meet your coverage goals. With so many options, we’re sure The Hartford has a plan that’s right for your business and your employees.
Choose a Family and Medical Leave Plan or a Family Leave Plan
Because The Hartford offers coverage for both scenarios, employers can choose a plan type that works best for their needs. The table below illustrates the FMLI/FLI differences in paid leave coverage:
| Leave Reasons | Family and Medial Leave Insurance (FMLI) | Family Leave Insurance (FLI) |
|---|---|---|
| Bond with a new child (newborn, adoption and/or foster placement) |
✓ Yes | ✓ Yes |
| Care for a family member with a serious health condition | ✓ Yes | ✓ Yes |
| Military exigency | ✓ Yes | ✓ Yes |
| Care for military service member | ✓ Yes | ✓ Yes |
| Recover from childbirth | ✓ Yes | No |
| Recover from their own serious health condition | ✓ Yes | No |
Leave can be taken in the following increments of time:
- Intermittently in hours or days over an approved period of leave
- On a reduced work schedule basis, consistently taken from week-to-week, in hours or days over an approved period of leave and
- Continuously based on the employee's work schedule
Further customize your FMLI or FLI to meet your specific needs and budget
Employers can work with their insurance brokers to customize an FMLI or FLI plan to fit their coverage goals and their budget. The table below outlines the options:
| Eligibility Waiting Period |
The ability for the employer to define employee’s eligibility waiting periods. 100% employee-pay-all plans will have a 6-month eligibility waiting period
|
| Elimination Period |
Variations on benefit elimination periods and whether they apply to the overall available leave durations (a short period of time, 7 calendar days, at the beginning of a leave that is unpaid)
|
| Coverage Amount |
A range of benefit percentages beginning at 60% and going up
|
| Leave Duration |
A range of leave durations beginning at 6 weeks and going up to 26 weeks
|
| Maximum Benefit Amount |
A maximum weekly benefit expressed in a flat $ amount or indexed annually based on the Social Security taxable wage cap
|
| Contribution Options |
A variety of ways to pay for the coverage:
•employer pays all; •employer and employee share in the cost •employee pays all. For 100% employee-pay-all plans, an eligibility waiting period will be required |
| Product Options |
The ability to purchase/sponsor only the Family Leave insurance
Fully Insured and self-insured |
| Integrating with Other Employers Sponsored Benefits |
Options for integration with other employer sponsored benefits and salary continuation programs
|