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Insure your employees’ income during a qualified leave with Family & MedicaI Leave Insurance
You can now offer employees a way to be paid during a qualifying family and medical leave. With FMLI from The Hartford, your employees are able to have a portion of their income replaced — while they take
the time needed to care for a child, spouse, parent, or
themselves.
the time needed to care for a child, spouse, parent, or
themselves.
Take care of your employees. Take care of your business.
A healthy and successful business is a reflection of its people. People who balance their personal lives with the hard work and determination that keeps our Vermont businesses competitive. Family & Medical Leave Insurance takes care of people when their personal lives take precedence and qualified leave is needed. When an unexpected illness or family member needs tending to, FMLI is there to provide partial income replacement, helping our workforce return to work reinvigorated and ready to take your business to the next level.
Family & Medical Leave Insurance (FMLI) for Your Business
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.
FMLI is an optional benefit you can choose to offer your employees
Because Vermont’s program is non-mandatory – no law requires employers to provide paid family or medical leave. Vermont’s businesses can choose whether to add FMLI to their slate of employee benefits. And once they’ve decided to offer paid leave through The Hartford’s insurance program, they get to decide how the program is funded. It can be employer-paid, employee-paid, or a combination of the two. FMLI from The Hartford is optional, flexible, and customizable with certain minimum standards.
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.
Attract and retain valuable employees with a FMLI benefit
With one of the lowest unemployment rate in the nation, Vermont’s labor market is among the most competitive. Employers in Vermont know they must offer meaningful benefits to attract top talent. Paid leave can also be a powerful tool to hang on to valuable employees over time. Without FMLI, when employees need to care for themselves or a family member, they may consider a job change rather than take unpaid leave.
Two product offerings available from The Hartford
There are two product offerings available to employers. An employer can choose to offer either Family and Medical Leave Insurance (FMLI) or standalone Family Leave Insurance (FLI) to their employees.
Paying for FMLI can be tailored to meet your budget
Businesses that take advantage of FMLI from The Hartford have options when it comes to paying for the program. The insurance can be paid for by the employer, by the employee, or the cost can be shared between the two. Some companies, especially small businesses, may find they need to keep their overhead down and will offer FMLI to employees who choose to pay for it. Others may choose to pay for employees’ coverage as a way of attracting talent and ensuring that employees have and use the benefit.
How FMLI Integrates With Existing Benefits
The Hartford’s program is designed to integrate with existing employee benefits an employer may offer, such as short-term disability (STD) or other salary continuation programs, and the employer has flexibility to determine how FMLI and existing benefits may work together. Essentially, FMLI and FLI can be used to “top up” and/or wrap around other benefits.
Design a plan that meets your business needs
Employers can work with their insurance brokers to craft an FMLI or FLI plan that fits their coverage goals and their budget.
Obtain a quote for FMLI or FLI
Quoting begins February 15th, 2024. Contact your employee benefits broker for a quote. Your broker/agent will guide you through the quote request process. If you do not have a broker/agent, contact us at 1-800-523-2233.
Vermont Family and Medical Leave Insurance can work for you
FMLI Case Studies
See how FMLI can help VT employees:
Plan Details
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
