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California 2020

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  • California 2020

  • 1

    Leaves Comparison Chart Federal and California Mandated LeavesThe following summary outlines the key provisions and coordination of the federal Family and Medical Leave Act, FMLA, and the California leave laws – California Family Rights Act (CFRA), Pregnancy Disability Leave (PDL) and the new Parent Leave Act for employers with 20 or more employees (PLA).

    Fast Facts – FMLA and CFRA

    *CFRA includes registered domestic partners** CFRA does not include disability due to pregnancy

    For more complete information on health benefits while on leave, check out our webinar.

    Employers Employers with 50 or more employees within a 75 mile radius

    Duration of Leave Up to 12 weeks during a 12 month period, or up to 26 weeks to care for an injured service member

    Reason for Leave • Birth and care of a newborn child • Placement of an adopted or foster child with the employee• To care for an immediate family member* with a serious health condition• Employee’s own serious health condition (including incapacity due to

    pregnancy**)

    Eligibility Employed at least 12 months and at least 1,250 hours over the past 12 months

    Benefits Under the same conditions as when active

    Job Protection Employee must be restored to original or equivalent job with equivalent pay, benefits and other terms and conditions of employment

    Compensation Unpaid – employee may be eligible for SDI, PFL or may use PTO, sick or vacation days

    http://www.theabdteam.com/sites/default/files/content/presentation/file/ABD%20Office%20Hours--LOA%20Health%20Benefits%20FINAL%20Post_0.pdf

  • 2

    Leaves Comparison Chart Fast Facts – California Parent Leave Act

    Fast Facts – California Pregnancy Disability Leave

    Employers Employers with 20 or more employees within a 75 mile radius

    Duration of Leave Up to 12 weeks during a 12 month period

    Reason for Leave Bond with a new child within one year of the child’s birth, adoption, or foster care placement

    Eligibility Employed at least 12 months and at least 1,250 hours over the past 12 months

    Benefits Under the same conditions as when active

    Job Protection Employee must be restored to original or equivalent job with equivalent pay, benefits and other terms and conditions of employment

    Compensation Unpaid – employee may be eligible for SDI, PFL or may use PTO, sick or vacation days

    Employers Employers with 5 or more employees

    Duration of Leave Up to 17 1/3 weeks per pregnancy

    Reason for Leave Disabled by pregnancy

    Eligibility Female employees disabled by pregnancy

    Benefits Under the same conditions as when active

    Job Protection Employee must be restored to original or equivalent job with equivalent pay, benefits and other terms and conditions of employment

    Compensation Unpaid – employee may be eligible for SDI, or may use PTO, sick or vacation days

  • 3

    Leaves Comparison Chart Birthing Mother: New Child Leave in CAJob Protection

    Three Primary Job Protection Laws1. Pregnancy Disability Leave (PDL)2. Family and Medical Leave Act (FMLA)3. California Family Rights Act (CFRA)

    Before Delivery: PDL is generally available four weeks before the due date

    Standard Delivery: PDL is generally available for up to six weeks after childbirth• Typical total before/after PDL period of 10 weeks (2½ months)

    C-Section Delivery: PDL is generally available for up to eight weeks after childbirth• Typical total before/after PDL period of 12 weeks (3 months)

    Extended Disability: PDL is available for up to four months total (17 1/3 weeks) where the birth mother is determined disabled by a physician for a longer period before/after delivery.

    Employee Pregnancy and Bonding with Child

    Max

    Leave

    7 Mos

    Weeks 0 1 4 8 12 17.3 20 24 29.3

    Employee Pregnancy Disabil ity Period Bonding with Child Following Pregnancy Disabil ity

    SDI (until no longer disabled up to 52 weeks maximum)

    FMLA (Max 12 weeks) PFL (Max 8 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy) CFRA (Max 12 weeks)

    Theme colors

    01558812835871281722182450128

    0155881283587128172141540130

    0155881283587128172931780133

    BACK-GROUNDS, TEXTBACK-GROUNDS, TEXTTEXTTEXT FOR PAGE NUMBERS, FOOTERSDARK GREYUSED IN TOP ROW OF TABLES AND PLOTTINGUSED IN TABLES AND PLOTTINGUSED IN PLOTSLOGO AND HIGHLIGHT COLORUSED IN TABLES AND PLOTTINGHYPER-LINK FOL-LOWED HYPER-LINK

    BLACK

    Table for Pasting (2)

    Ratings CompanyS&PMoody’sA.M. BestFitchTotal AssetsSurplusRatio

    ACEAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Admiral InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Allied World (AWAC)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Arch Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    AxisAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Argo InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Beazley Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Berkley/MonitorAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Carolina CasualtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Caitlin InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chartis (AIG)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chubb Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    CNAAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    C&F/ ValiantAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Freedom SpecialtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Great AmericanAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Sheet3

    Employee's Own Medical DisabilityEmployee C-Section Pregnancy and Bonding with Child NJ

    Pre-birthPost-birth

    FMLA (Max 12 weeks) NJ TDI (4 wks) NJ TDI (8 wks)NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (Paid leave)

    Weeks014812

    Weeks0148101224

    Employee Leave for Dependent Medical DisabilityNon Birthing Mother/Paternity

    FMLA (Max 12 weeks) NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks014812

    Weeks014681012

    Employee Normal Pregnancy (no complications) and Bonding with ChildEmployee Normal Pregnancy and Bonding with Child NJ

    Pre-birthPost-birthPre-birthPost-birth

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (4 wks) NJ TDI (6 wks)NJ FLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks01481012Weeks014810121622

    Employee Normal Pregnancy (with complications pre-birth) and Bonding with ChildEmployee Normal Pregnancy (with complications pre-birth) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STD ER Provided STD

    FMLA FMLA

    Weeks01481012Weeks01481012

    Employee Normal Pregnancy with Twins (no complications) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STDFMLA (Max 12 weeks)

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks01481012

    Parent's New Child Bonding Period

    New ChildMA PLA

    Born, AdoptedFMLA (Max 12 weeks)

    Weeks014812

    Employee Normal Pregnancy (no complications) with Cesarian Delivery and Bonding with ChildCT Employee paternity, non birthing mother.

    Pre-birthPost-birth

    ER Provided STD

    MA PLA (4 wks) MA PLA (4 wks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks01481012Weeks0148101216

    Employee Normal Pregnancy (no complications) and Bonding with ChildCT Employee pregnancy Cesarian Secion

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0148101216

    Employee Normal Pregnancy with Twins (no complications) and Bonding with ChildCT Employee normal pregnancy

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    MA PLA Child 1 (8 wks)MA PLA Child 2 (8 weeks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101216Weeks0148101216

    RI Employee normal pregnancy

    Pre-birthPost-birthBonding with Child Following Pregnancy DisabilityNon Birth Mother/Paternity RI

    RI TDIRI TCI

    RI PFMLA (Max 13 weeks)RI PFLMA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    RI TCI

    Weeks014810121314Weeks01468101213

    Employee's own Disabilty

    RI Employee c-section pregnancy

    RI PFLMAPre-birthPost-birthBonding with Child Following Pregnancy Disability

    FMLA (Max 12 weeks) RI TDIRI TCI

    RI TDI (Max 30 weeks)RI PFMLA (Max 13 weeks)

    FMLA (Max 12 weeks)

    Weeks01468101213

    Weeks01481012131416

    Colorado

    NAWI Birthing mother

    CO FCAPre-BirthBirthBonding

    FMLA (Max 12 weeks) WI FMLAWI FMLA

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks012468101216

    WI FMLA

    FMLA (Max 12 weeks)

    WI Birthing mother c-section

    Weeks0124681012Pre-BirthBirthBonding

    WI FMLAWI FMLA

    WI Serious Health condition of employee or dependentFMLA (Max 12 weeks)

    WI FMLAWeeks012468101218

    FMLA (Max 12 weeks)

    Weeks0124681012

    DC birthing mother normal deliveryDC non birthing/paternity

    Pre-BirthBirthBonding

    DC FMLADC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks012468101216Weeks01246810121416

    DC birthing mother C section delivery

    Pre-BirthBirthBondingMD birthing Mother

    DC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) Pre-birthPost BirthBonding

    FMLA (Max 12 weeks)

    Weeks012468101216

    Weeks0124681012

    Pre-BirthPost Birth

    FMLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    MD PLAWeeks0124681012

    Weeks01246

    Effective 2020

    Employee Pregnancy and Bonding with Child WAPregnancy with standard deliveryPregnancy with C section

    Pre-birthPost-birth

    WA PFMLPre-birthPost Birth Standard DeliveryBondingPre-birthPost Birth c-section DeliveryBonding

    FMLA (12 weeks maximum)WA PFML WA PFML WA PFML WA PFML WA PFML WA PFML

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101218

    Weeks012468101216Weeks012468101216

    NV

    WA PFML (Max 12 weeks)

    FMLA (Max 12 weeks) Pre-birthPost Birth Standard DeliveryBonding

    NV PWFANV PWFA

    FMLA (Max 12 weeks)

    Weeks0124681012

    Weeks0124681012

    MN

    Pre-birthPost Birth C-Section Delivery

    MN PLA (Max 12 weeks)NV PWFANV PWFA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0124681012Weeks0124681012

    MN

    Pre-birthPost-birth standard delivery

    MN PLAMN PLA BondingMT

    FMLA (12 weeks maximumPre-birthPost Birth Standard DeliveryBonding

    MT DiscriminationMT Discrimination

    Weeks01481012FMLA (Max 12 weeks)

    Pre-birthPost-birth c-section deliveryWeeks0124681012

    MN PLAMN PLA

    FMLA (12 weeks maximum)

    Weeks01481012

    Pre-birthPost Birth Cesarean Delivery

    MN MT DiscriminationMT Discrimination

    FMLA (Max 12 weeks)

    MN PLA (Max 12 weeks)Weeks0124681012

    Weeks0124681012

    Employee Pregnancy with c section and Bonding with Child HI

    Pre-birthPost-birthEmployee Normal Pregnancy and Bonding with Child HI

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumHI TDIHI TDI

    FMLA (12 weeks maximum

    Weeks0148101216

    Weeks01481012

    Parent's New Child Bonding Period

    Employee Normal Pregnancy and Bonding with Child LA

    HFLLPre-birthPost-birth

    FMLA (Max 12 weeks)LA PDL

    FMLA (12 weeks maximum

    Weeks0124681012

    Weeks01481012

    Employee Normal Pregnancy and Bonding with Child HI

    Pre-birthPost-birthEmployee Pregnancy with c-section and Bonding with Child LA

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumLA PDL

    FMLA (12 weeks maximum

    Weeks014810121416

    Weeks01481012

    HI TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee Pregnancy with c-section and Bonding with Child ME

    Pre-birthPost-birth

    ME FMLRME FMLR

    FMLA (12 weeks maximumME FMLR (Max 10 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0124681012

    Pre-birthPost-birthBonding

    VT PFLAVT PFLAVT PFLAEmployee Pregnancy with c-section and Bonding with Child VT

    FMLA (12 weeks maximumPre-birthPost-birth

    VT PFLAVT PFLA

    Weeks01481012FMLA (12 weeks maximum

    Weeks014810

    VT PFLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ ESL

    EPSL

    NJ FLA (Max 12 weeks)

    Emergency FMLA

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ PSL

    EPSL

    NJ TDI (Max 26 Weeks)

    Weeks01246810122628

    NJ PSL

    EPSL

    NJ FLI (Max 6 weeks)

    Emergency FMLA

    Weeks012468101218

    CA NY

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    SDI (until no longer disabled up to 52 weeks maximum)Max

    FMLA (Max 12 weeks) PFL (Max 8 weeks)Leave

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)7 Mos

    Weeks01481217.3202429.3

    Employee Pregnancy Disability with no FMLA

    SDI (until no longer disabled up to maximum 52 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee's Own Medical Disability

    SDI (Max 52 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Leave for Dependent Medical Disability

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Pregnancy Disability and Bonding - Small Employer (20 or more employees)

    SDI (until no longer disabled - max 52 weeks)PLA (Max 12 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee Normal Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(6 wks after)

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.3182022

    Employee Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101216

    Employee Pregnancy with Bonding with Child Small Company

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)PFL (Max 6 weeks)

    PDL PLA (Max 12 weeks)

    Weeks0148101216182022

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.318202224

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101218

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birthMaximum

    SDI 7 mo. Leave

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)

    Weeks01481217.3202429.3

    Parent's New Child Bonding Period

    New ChildPFL (Max 8 weeks)

    Born, AdoptedFMLA (Max 12 weeks) Maximum

    or Foster CareCFRA (Max 12 weeks)3 mo. Leave

    Placement

    Weeks014812

    Pre-birthPost-birth

    ER paid difference between SDI/PFL/STD and full salary

    SDI (4 wks )(6 wks after)

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks014810121617.3182022

    Employee Normal Pregnancy and Bonding with Child in NY

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    FMLA (Max 12 weeks)

    Weeks0148101218

    Parent's New Child Bonding Period NY

    PaternityPFL (Max 8 weeks 2018)

    AdoptionFMLA (Max 12 weeks) Maximum

    Placement

    Weeks014812

    Employee Normal Pregnancy and Bonding with Child in NY no fmla

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    Weeks0148101218

    Employee Cesarean Deliver and Bonding with Child in NY

    Pre-birthPost-birth

    NY DBL (4 wks )NY DBL (8 wks after)

    FMLANY PFL (Max 8 weeks)

    Weeks0148101220

    Employee's Own Medical Disability NY

    NY DBL (duration of quarantine)

    EPSL

    NY Paid Family Leave

    Weeks0124810

    Employee's Own Medical Disability

    FMLA (Max 12 weeks)

    Weeks014812

    Employee's Own Medical Disability

    10 daysEPSL

    NY State Disability

    5 - 14 days NY PSL

    NY Paid Family Leave

    012481012

    Employee's Own Medical Disability NY

    NY Paid Family Leave

    FMLA (Max 12 weeks)

    Weeks01481012

    10 daysEPSL

    FMLA

    NY Paid Family Leave

    012481012

  • 4

    Leaves Comparison Chart Birthing Mother: New Child Leave in CAJob Protection

    Three Primary Job Protection Laws1. Pregnancy Disability Leave (PDL)2. Family and Medical Leave Act (FMLA)3. California Family Rights Act (CFRA)

    Baby Bonding: FMLA and CFRA both provide up to 12 weeks of new child bonding

    PDL/CFRA Not-Concurrent: CFRA does not run concurrently with PDL (FMLA does)• Means employee has another full 12 weeks of CFRA job protection for baby bonding available after PDL period

    Most Common Result: Employees will have job-protected leave available for the full 10- or 12-week PDL period (including before birth) plus 12 weeks CFRA new child bonding• Total Standard Delivery Job-Protected Leave: 5½ months of PDL & FMLA/CFRA job-protected leave (disability and baby bonding)• Total C-Section Delivery Job-Protected Leave: 6 months of PDL & FMLA/CFRA job-protected leave (disability and baby bonding)

    Employee Pregnancy and Bonding with Child

    Max

    Leave

    7 Mos

    Weeks 0 1 4 8 12 17.3 20 24 29.3

    Employee Pregnancy Disabil ity Period Bonding with Child Following Pregnancy Disabil ity

    SDI (until no longer disabled up to 52 weeks maximum)

    FMLA (Max 12 weeks) PFL (Max 8 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy) CFRA (Max 12 weeks)

    Theme colors

    01558812835871281722182450128

    0155881283587128172141540130

    0155881283587128172931780133

    BACK-GROUNDS, TEXTBACK-GROUNDS, TEXTTEXTTEXT FOR PAGE NUMBERS, FOOTERSDARK GREYUSED IN TOP ROW OF TABLES AND PLOTTINGUSED IN TABLES AND PLOTTINGUSED IN PLOTSLOGO AND HIGHLIGHT COLORUSED IN TABLES AND PLOTTINGHYPER-LINK FOL-LOWED HYPER-LINK

    BLACK

    Table for Pasting (2)

    Ratings CompanyS&PMoody’sA.M. BestFitchTotal AssetsSurplusRatio

    ACEAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Admiral InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Allied World (AWAC)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Arch Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    AxisAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Argo InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Beazley Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Berkley/MonitorAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Carolina CasualtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Caitlin InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chartis (AIG)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chubb Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    CNAAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    C&F/ ValiantAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Freedom SpecialtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Great AmericanAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Sheet3

    Employee's Own Medical DisabilityEmployee C-Section Pregnancy and Bonding with Child NJ

    Pre-birthPost-birth

    FMLA (Max 12 weeks) NJ TDI (4 wks) NJ TDI (8 wks)NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (Paid leave)

    Weeks014812

    Weeks0148101224

    Employee Leave for Dependent Medical DisabilityNon Birthing Mother/Paternity

    FMLA (Max 12 weeks) NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks014812

    Weeks014681012

    Employee Normal Pregnancy (no complications) and Bonding with ChildEmployee Normal Pregnancy and Bonding with Child NJ

    Pre-birthPost-birthPre-birthPost-birth

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (4 wks) NJ TDI (6 wks)NJ FLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks01481012Weeks014810121622

    Employee Normal Pregnancy (with complications pre-birth) and Bonding with ChildEmployee Normal Pregnancy (with complications pre-birth) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STD ER Provided STD

    FMLA FMLA

    Weeks01481012Weeks01481012

    Employee Normal Pregnancy with Twins (no complications) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STDFMLA (Max 12 weeks)

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks01481012

    Parent's New Child Bonding Period

    New ChildMA PLA

    Born, AdoptedFMLA (Max 12 weeks)

    Weeks014812

    Employee Normal Pregnancy (no complications) with Cesarian Delivery and Bonding with ChildCT Employee paternity, non birthing mother.

    Pre-birthPost-birth

    ER Provided STD

    MA PLA (4 wks) MA PLA (4 wks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks01481012Weeks0148101216

    Employee Normal Pregnancy (no complications) and Bonding with ChildCT Employee pregnancy Cesarian Secion

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0148101216

    Employee Normal Pregnancy with Twins (no complications) and Bonding with ChildCT Employee normal pregnancy

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    MA PLA Child 1 (8 wks)MA PLA Child 2 (8 weeks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101216Weeks0148101216

    RI Employee normal pregnancy

    Pre-birthPost-birthBonding with Child Following Pregnancy DisabilityNon Birth Mother/Paternity RI

    RI TDIRI TCI

    RI PFMLA (Max 13 weeks)RI PFLMA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    RI TCI

    Weeks014810121314Weeks01468101213

    Employee's own Disabilty

    RI Employee c-section pregnancy

    RI PFLMAPre-birthPost-birthBonding with Child Following Pregnancy Disability

    FMLA (Max 12 weeks) RI TDIRI TCI

    RI TDI (Max 30 weeks)RI PFMLA (Max 13 weeks)

    FMLA (Max 12 weeks)

    Weeks01468101213

    Weeks01481012131416

    Colorado

    NAWI Birthing mother

    CO FCAPre-BirthBirthBonding

    FMLA (Max 12 weeks) WI FMLAWI FMLA

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks012468101216

    WI FMLA

    FMLA (Max 12 weeks)

    WI Birthing mother c-section

    Weeks0124681012Pre-BirthBirthBonding

    WI FMLAWI FMLA

    WI Serious Health condition of employee or dependentFMLA (Max 12 weeks)

    WI FMLAWeeks012468101218

    FMLA (Max 12 weeks)

    Weeks0124681012

    DC birthing mother normal deliveryDC non birthing/paternity

    Pre-BirthBirthBonding

    DC FMLADC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks012468101216Weeks01246810121416

    DC birthing mother C section delivery

    Pre-BirthBirthBondingMD birthing Mother

    DC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) Pre-birthPost BirthBonding

    FMLA (Max 12 weeks)

    Weeks012468101216

    Weeks0124681012

    Pre-BirthPost Birth

    FMLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    MD PLAWeeks0124681012

    Weeks01246

    Effective 2020

    Employee Pregnancy and Bonding with Child WAPregnancy with standard deliveryPregnancy with C section

    Pre-birthPost-birth

    WA PFMLPre-birthPost Birth Standard DeliveryBondingPre-birthPost Birth c-section DeliveryBonding

    FMLA (12 weeks maximum)WA PFML WA PFML WA PFML WA PFML WA PFML WA PFML

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101218

    Weeks012468101216Weeks012468101216

    NV

    WA PFML (Max 12 weeks)

    FMLA (Max 12 weeks) Pre-birthPost Birth Standard DeliveryBonding

    NV PWFANV PWFA

    FMLA (Max 12 weeks)

    Weeks0124681012

    Weeks0124681012

    MN

    Pre-birthPost Birth C-Section Delivery

    MN PLA (Max 12 weeks)NV PWFANV PWFA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0124681012Weeks0124681012

    MN

    Pre-birthPost-birth standard delivery

    MN PLAMN PLA BondingMT

    FMLA (12 weeks maximumPre-birthPost Birth Standard DeliveryBonding

    MT DiscriminationMT Discrimination

    Weeks01481012FMLA (Max 12 weeks)

    Pre-birthPost-birth c-section deliveryWeeks0124681012

    MN PLAMN PLA

    FMLA (12 weeks maximum)

    Weeks01481012

    Pre-birthPost Birth Cesarean Delivery

    MN MT DiscriminationMT Discrimination

    FMLA (Max 12 weeks)

    MN PLA (Max 12 weeks)Weeks0124681012

    Weeks0124681012

    Employee Pregnancy with c section and Bonding with Child HI

    Pre-birthPost-birthEmployee Normal Pregnancy and Bonding with Child HI

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumHI TDIHI TDI

    FMLA (12 weeks maximum

    Weeks0148101216

    Weeks01481012

    Parent's New Child Bonding Period

    Employee Normal Pregnancy and Bonding with Child LA

    HFLLPre-birthPost-birth

    FMLA (Max 12 weeks)LA PDL

    FMLA (12 weeks maximum

    Weeks0124681012

    Weeks01481012

    Employee Normal Pregnancy and Bonding with Child HI

    Pre-birthPost-birthEmployee Pregnancy with c-section and Bonding with Child LA

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumLA PDL

    FMLA (12 weeks maximum

    Weeks014810121416

    Weeks01481012

    HI TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee Pregnancy with c-section and Bonding with Child ME

    Pre-birthPost-birth

    ME FMLRME FMLR

    FMLA (12 weeks maximumME FMLR (Max 10 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0124681012

    Pre-birthPost-birthBonding

    VT PFLAVT PFLAVT PFLAEmployee Pregnancy with c-section and Bonding with Child VT

    FMLA (12 weeks maximumPre-birthPost-birth

    VT PFLAVT PFLA

    Weeks01481012FMLA (12 weeks maximum

    Weeks014810

    VT PFLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ ESL

    EPSL

    NJ FLA (Max 12 weeks)

    Emergency FMLA

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ PSL

    EPSL

    NJ TDI (Max 26 Weeks)

    Weeks01246810122628

    NJ PSL

    EPSL

    NJ FLI (Max 6 weeks)

    Emergency FMLA

    Weeks012468101218

    CA NY

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    SDI (until no longer disabled up to 52 weeks maximum)Max

    FMLA (Max 12 weeks) PFL (Max 8 weeks)Leave

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)7 Mos

    Weeks01481217.3202429.3

    Employee Pregnancy Disability with no FMLA

    SDI (until no longer disabled up to maximum 52 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee's Own Medical Disability

    SDI (Max 52 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Leave for Dependent Medical Disability

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Pregnancy Disability and Bonding - Small Employer (20 or more employees)

    SDI (until no longer disabled - max 52 weeks)PLA (Max 12 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee Normal Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(6 wks after)

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.3182022

    Employee Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101216

    Employee Pregnancy with Bonding with Child Small Company

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)PFL (Max 6 weeks)

    PDL PLA (Max 12 weeks)

    Weeks0148101216182022

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.318202224

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101218

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birthMaximum

    SDI 7 mo. Leave

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)

    Weeks01481217.3202429.3

    Parent's New Child Bonding Period

    New ChildPFL (Max 8 weeks)

    Born, AdoptedFMLA (Max 12 weeks) Maximum

    or Foster CareCFRA (Max 12 weeks)3 mo. Leave

    Placement

    Weeks014812

    Pre-birthPost-birth

    ER paid difference between SDI/PFL/STD and full salary

    SDI (4 wks )(6 wks after)

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks014810121617.3182022

    Employee Normal Pregnancy and Bonding with Child in NY

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    FMLA (Max 12 weeks)

    Weeks0148101218

    Parent's New Child Bonding Period NY

    PaternityPFL (Max 8 weeks 2018)

    AdoptionFMLA (Max 12 weeks) Maximum

    Placement

    Weeks014812

    Employee Normal Pregnancy and Bonding with Child in NY no fmla

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    Weeks0148101218

    Employee Cesarean Deliver and Bonding with Child in NY

    Pre-birthPost-birth

    NY DBL (4 wks )NY DBL (8 wks after)

    FMLANY PFL (Max 8 weeks)

    Weeks0148101220

    Employee's Own Medical Disability NY

    NY DBL (duration of quarantine)

    EPSL

    NY Paid Family Leave

    Weeks0124810

    Employee's Own Medical Disability

    FMLA (Max 12 weeks)

    Weeks014812

    Employee's Own Medical Disability

    10 daysEPSL

    NY State Disability

    5 - 14 days NY PSL

    NY Paid Family Leave

    012481012

    Employee's Own Medical Disability NY

    NY Paid Family Leave

    FMLA (Max 12 weeks)

    Weeks01481012

    10 daysEPSL

    FMLA

    NY Paid Family Leave

    012481012

  • 5

    Leaves Comparison Chart Birthing Mother: New Child Leave in CAPartial Wage Replacement

    Two Primary Partial Wage Replacement Laws1. California State Disability Insurance (SDI)2. California Paid Family Leave (PFL)

    Disability Period: California SDI provides 60% of employee’s earnings (or 70% depending on income) calculated over a 12-month base period (roughly 5 to 8 months before the disability claim begins) • Generally pays up to 4 weeks prior to delivery, but will begin as soon as the birthing mother is certified as disabled. • 2020 maximum benefit amount is capped at $1,300 based on a taxable wage limit of $122,909

    Baby Bonding Period: PFL paid at same rate as SDI for up to 8 weeks of baby bonding (typically 60% or 70% depending on income up to wage limit ) for claims beginning on or after July 1, 2020. Claims beginning prior to July 1will be eligible for up to 6 weeks of baby bonding.• No waiting period in transition from SDI to PFL

    Most Common Result:• Total Standard Delivery Partial Wage Replacement: Up to 4 months of SDI and PFL (2½ months SDI, 1½ months PFL)• Total C-Section Delivery Partial Wage Replacement: Up to 4 ½ months of SDI and PFL (3 months SDI, 1½ months PFL)SF PPLO Note: If the employee works in San Francisco and meets the requirements under PPL, the employee will receive up to 100% of her salary while on PFL capped at $2,167 per week in 2020 (60% from PFL and 40% from the employer). SF PPLO increases to 8 weeks for claims beginning on or after July 1, 2020. Claims beginning prior to July 1, 2020 will be eligible for 6 weeks PPLO.

    Employee Pregnancy and Bonding with Child

    Max

    Leave

    7 Mos

    Weeks 0 1 4 8 12 17.3 20 24 29.3

    Employee Pregnancy Disabil ity Period Bonding with Child Following Pregnancy Disabil ity

    SDI (until no longer disabled up to 52 weeks maximum)

    FMLA (Max 12 weeks) PFL (Max 8 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy) CFRA (Max 12 weeks)

    Theme colors

    01558812835871281722182450128

    0155881283587128172141540130

    0155881283587128172931780133

    BACK-GROUNDS, TEXTBACK-GROUNDS, TEXTTEXTTEXT FOR PAGE NUMBERS, FOOTERSDARK GREYUSED IN TOP ROW OF TABLES AND PLOTTINGUSED IN TABLES AND PLOTTINGUSED IN PLOTSLOGO AND HIGHLIGHT COLORUSED IN TABLES AND PLOTTINGHYPER-LINK FOL-LOWED HYPER-LINK

    BLACK

    Table for Pasting (2)

    Ratings CompanyS&PMoody’sA.M. BestFitchTotal AssetsSurplusRatio

    ACEAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Admiral InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Allied World (AWAC)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Arch Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    AxisAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Argo InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Beazley Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Berkley/MonitorAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Carolina CasualtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Caitlin InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chartis (AIG)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chubb Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    CNAAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    C&F/ ValiantAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Freedom SpecialtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Great AmericanAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Sheet3

    Employee's Own Medical DisabilityEmployee C-Section Pregnancy and Bonding with Child NJ

    Pre-birthPost-birth

    FMLA (Max 12 weeks) NJ TDI (4 wks) NJ TDI (8 wks)NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (Paid leave)

    Weeks014812

    Weeks0148101224

    Employee Leave for Dependent Medical DisabilityNon Birthing Mother/Paternity

    FMLA (Max 12 weeks) NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks014812

    Weeks014681012

    Employee Normal Pregnancy (no complications) and Bonding with ChildEmployee Normal Pregnancy and Bonding with Child NJ

    Pre-birthPost-birthPre-birthPost-birth

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (4 wks) NJ TDI (6 wks)NJ FLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks01481012Weeks014810121622

    Employee Normal Pregnancy (with complications pre-birth) and Bonding with ChildEmployee Normal Pregnancy (with complications pre-birth) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STD ER Provided STD

    FMLA FMLA

    Weeks01481012Weeks01481012

    Employee Normal Pregnancy with Twins (no complications) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STDFMLA (Max 12 weeks)

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks01481012

    Parent's New Child Bonding Period

    New ChildMA PLA

    Born, AdoptedFMLA (Max 12 weeks)

    Weeks014812

    Employee Normal Pregnancy (no complications) with Cesarian Delivery and Bonding with ChildCT Employee paternity, non birthing mother.

    Pre-birthPost-birth

    ER Provided STD

    MA PLA (4 wks) MA PLA (4 wks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks01481012Weeks0148101216

    Employee Normal Pregnancy (no complications) and Bonding with ChildCT Employee pregnancy Cesarian Secion

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0148101216

    Employee Normal Pregnancy with Twins (no complications) and Bonding with ChildCT Employee normal pregnancy

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    MA PLA Child 1 (8 wks)MA PLA Child 2 (8 weeks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101216Weeks0148101216

    RI Employee normal pregnancy

    Pre-birthPost-birthBonding with Child Following Pregnancy DisabilityNon Birth Mother/Paternity RI

    RI TDIRI TCI

    RI PFMLA (Max 13 weeks)RI PFLMA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    RI TCI

    Weeks014810121314Weeks01468101213

    Employee's own Disabilty

    RI Employee c-section pregnancy

    RI PFLMAPre-birthPost-birthBonding with Child Following Pregnancy Disability

    FMLA (Max 12 weeks) RI TDIRI TCI

    RI TDI (Max 30 weeks)RI PFMLA (Max 13 weeks)

    FMLA (Max 12 weeks)

    Weeks01468101213

    Weeks01481012131416

    Colorado

    NAWI Birthing mother

    CO FCAPre-BirthBirthBonding

    FMLA (Max 12 weeks) WI FMLAWI FMLA

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks012468101216

    WI FMLA

    FMLA (Max 12 weeks)

    WI Birthing mother c-section

    Weeks0124681012Pre-BirthBirthBonding

    WI FMLAWI FMLA

    WI Serious Health condition of employee or dependentFMLA (Max 12 weeks)

    WI FMLAWeeks012468101218

    FMLA (Max 12 weeks)

    Weeks0124681012

    DC birthing mother normal deliveryDC non birthing/paternity

    Pre-BirthBirthBonding

    DC FMLADC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks012468101216Weeks01246810121416

    DC birthing mother C section delivery

    Pre-BirthBirthBondingMD birthing Mother

    DC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) Pre-birthPost BirthBonding

    FMLA (Max 12 weeks)

    Weeks012468101216

    Weeks0124681012

    Pre-BirthPost Birth

    FMLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    MD PLAWeeks0124681012

    Weeks01246

    Effective 2020

    Employee Pregnancy and Bonding with Child WAPregnancy with standard deliveryPregnancy with C section

    Pre-birthPost-birth

    WA PFMLPre-birthPost Birth Standard DeliveryBondingPre-birthPost Birth c-section DeliveryBonding

    FMLA (12 weeks maximum)WA PFML WA PFML WA PFML WA PFML WA PFML WA PFML

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101218

    Weeks012468101216Weeks012468101216

    NV

    WA PFML (Max 12 weeks)

    FMLA (Max 12 weeks) Pre-birthPost Birth Standard DeliveryBonding

    NV PWFANV PWFA

    FMLA (Max 12 weeks)

    Weeks0124681012

    Weeks0124681012

    MN

    Pre-birthPost Birth C-Section Delivery

    MN PLA (Max 12 weeks)NV PWFANV PWFA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0124681012Weeks0124681012

    MN

    Pre-birthPost-birth standard delivery

    MN PLAMN PLA BondingMT

    FMLA (12 weeks maximumPre-birthPost Birth Standard DeliveryBonding

    MT DiscriminationMT Discrimination

    Weeks01481012FMLA (Max 12 weeks)

    Pre-birthPost-birth c-section deliveryWeeks0124681012

    MN PLAMN PLA

    FMLA (12 weeks maximum)

    Weeks01481012

    Pre-birthPost Birth Cesarean Delivery

    MN MT DiscriminationMT Discrimination

    FMLA (Max 12 weeks)

    MN PLA (Max 12 weeks)Weeks0124681012

    Weeks0124681012

    Employee Pregnancy with c section and Bonding with Child HI

    Pre-birthPost-birthEmployee Normal Pregnancy and Bonding with Child HI

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumHI TDIHI TDI

    FMLA (12 weeks maximum

    Weeks0148101216

    Weeks01481012

    Parent's New Child Bonding Period

    Employee Normal Pregnancy and Bonding with Child LA

    HFLLPre-birthPost-birth

    FMLA (Max 12 weeks)LA PDL

    FMLA (12 weeks maximum

    Weeks0124681012

    Weeks01481012

    Employee Normal Pregnancy and Bonding with Child HI

    Pre-birthPost-birthEmployee Pregnancy with c-section and Bonding with Child LA

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumLA PDL

    FMLA (12 weeks maximum

    Weeks014810121416

    Weeks01481012

    HI TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee Pregnancy with c-section and Bonding with Child ME

    Pre-birthPost-birth

    ME FMLRME FMLR

    FMLA (12 weeks maximumME FMLR (Max 10 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0124681012

    Pre-birthPost-birthBonding

    VT PFLAVT PFLAVT PFLAEmployee Pregnancy with c-section and Bonding with Child VT

    FMLA (12 weeks maximumPre-birthPost-birth

    VT PFLAVT PFLA

    Weeks01481012FMLA (12 weeks maximum

    Weeks014810

    VT PFLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ ESL

    EPSL

    NJ FLA (Max 12 weeks)

    Emergency FMLA

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ PSL

    EPSL

    NJ TDI (Max 26 Weeks)

    Weeks01246810122628

    NJ PSL

    EPSL

    NJ FLI (Max 6 weeks)

    Emergency FMLA

    Weeks012468101218

    CA NY

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    SDI (until no longer disabled up to 52 weeks maximum)Max

    FMLA (Max 12 weeks) PFL (Max 8 weeks)Leave

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)7 Mos

    Weeks01481217.3202429.3

    Employee Pregnancy Disability with no FMLA

    SDI (until no longer disabled up to maximum 52 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee's Own Medical Disability

    SDI (Max 52 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Leave for Dependent Medical Disability

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Pregnancy Disability and Bonding - Small Employer (20 or more employees)

    SDI (until no longer disabled - max 52 weeks)PLA (Max 12 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee Normal Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(6 wks after)

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.3182022

    Employee Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101216

    Employee Pregnancy with Bonding with Child Small Company

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)PFL (Max 6 weeks)

    PDL PLA (Max 12 weeks)

    Weeks0148101216182022

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.318202224

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101218

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birthMaximum

    SDI 7 mo. Leave

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)

    Weeks01481217.3202429.3

    Parent's New Child Bonding Period

    New ChildPFL (Max 8 weeks)

    Born, AdoptedFMLA (Max 12 weeks) Maximum

    or Foster CareCFRA (Max 12 weeks)3 mo. Leave

    Placement

    Weeks014812

    Pre-birthPost-birth

    ER paid difference between SDI/PFL/STD and full salary

    SDI (4 wks )(6 wks after)

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks014810121617.3182022

    Employee Normal Pregnancy and Bonding with Child in NY

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    FMLA (Max 12 weeks)

    Weeks0148101218

    Parent's New Child Bonding Period NY

    PaternityPFL (Max 8 weeks 2018)

    AdoptionFMLA (Max 12 weeks) Maximum

    Placement

    Weeks014812

    Employee Normal Pregnancy and Bonding with Child in NY no fmla

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    Weeks0148101218

    Employee Cesarean Deliver and Bonding with Child in NY

    Pre-birthPost-birth

    NY DBL (4 wks )NY DBL (8 wks after)

    FMLANY PFL (Max 8 weeks)

    Weeks0148101220

    Employee's Own Medical Disability NY

    NY DBL (duration of quarantine)

    EPSL

    NY Paid Family Leave

    Weeks0124810

    Employee's Own Medical Disability

    FMLA (Max 12 weeks)

    Weeks014812

    Employee's Own Medical Disability

    10 daysEPSL

    NY State Disability

    5 - 14 days NY PSL

    NY Paid Family Leave

    012481012

    Employee's Own Medical Disability NY

    NY Paid Family Leave

    FMLA (Max 12 weeks)

    Weeks01481012

    10 daysEPSL

    FMLA

    NY Paid Family Leave

    012481012

  • 6

    Paternity and Non-Birthing Maternity

    Paternity and Non-Birthing Maternity:• FMLA and CFRA Job Protection: Employee will have up to 12 weeks (3 months) of job protection for new child bonding through

    concurrent FMLA/CFRA rights

    • Paid Family Leave (PFL) Partial Wage Replacement: Provides 60% of employee’s earnings (or 70% depending on income) calculated over a 12 month base period (roughly 5 to 18 months before the PFL claim begins) for up to eight weeks of new child bonding for leaves beginning on or after July 1, 2020. Claims beginning prior to July 1, 2020 will paid for a maximum of 6 weeks.

    •• 2020 maximum benefit amount is capped at $1,300 based on a taxable wage limit of $122,909

    Most Common Result:• Paternity Leave Job Protection: New fathers can take protected bonding leave for up to 12 weeks (3 months)• Non-Birthing Maternity Leave (Adoption, Foster Care, Surrogacy): Same as paternity leave (because no pregnancy disability)• Partial Wage Replacement: Non-birthing parents of a new child are eligible for up to 8 weeks for new child bonding (two thirds of the

    period in which they enjoy job protection) for claims beginning on or after July 1, 2020. Claims beginning prior to July 1 are eligible for 6 weeks of Paid Family Leave.

    SF PPLO Note: If the employee works in San Francisco and meets the requirements under PPL, the employee will receive up to 100% of his or her salary while on PFL capped at $2,167 per week in 2020 (60% from PFL and 40% from the employer). SF PPLO also increases to 8 weeks for claims beginning on or after July 1, 2020.

    Leaves Comparison ChartParent's New Child Bonding Period

    New ChildBorn, Adopted Maximumor Foster Care 3 mo. LeavePlacement

    Weeks 0 1 4 8 12

    PFL (Max 8 weeks)FMLA (Max 12 weeks) CFRA (Max 12 weeks)

    Theme colors

    01558812835871281722182450128

    0155881283587128172141540130

    0155881283587128172931780133

    BACK-GROUNDS, TEXTBACK-GROUNDS, TEXTTEXTTEXT FOR PAGE NUMBERS, FOOTERSDARK GREYUSED IN TOP ROW OF TABLES AND PLOTTINGUSED IN TABLES AND PLOTTINGUSED IN PLOTSLOGO AND HIGHLIGHT COLORUSED IN TABLES AND PLOTTINGHYPER-LINK FOL-LOWED HYPER-LINK

    BLACK

    Table for Pasting (2)

    Ratings CompanyS&PMoody’sA.M. BestFitchTotal AssetsSurplusRatio

    ACEAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Admiral InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Allied World (AWAC)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Arch Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    AxisAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Argo InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Beazley Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Berkley/MonitorAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Carolina CasualtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Caitlin InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chartis (AIG)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chubb Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    CNAAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    C&F/ ValiantAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Freedom SpecialtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Great AmericanAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Sheet3

    Employee's Own Medical DisabilityEmployee C-Section Pregnancy and Bonding with Child NJ

    Pre-birthPost-birth

    FMLA (Max 12 weeks) NJ TDI (4 wks) NJ TDI (8 wks)NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (Paid leave)

    Weeks014812

    Weeks0148101224

    Employee Leave for Dependent Medical DisabilityNon Birthing Mother/Paternity

    FMLA (Max 12 weeks) NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks014812

    Weeks014681012

    Employee Normal Pregnancy (no complications) and Bonding with ChildEmployee Normal Pregnancy and Bonding with Child NJ

    Pre-birthPost-birthPre-birthPost-birth

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (4 wks) NJ TDI (6 wks)NJ FLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks01481012Weeks014810121622

    Employee Normal Pregnancy (with complications pre-birth) and Bonding with ChildEmployee Normal Pregnancy (with complications pre-birth) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STD ER Provided STD

    FMLA FMLA

    Weeks01481012Weeks01481012

    Employee Normal Pregnancy with Twins (no complications) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STDFMLA (Max 12 weeks)

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks01481012

    Parent's New Child Bonding Period

    New ChildMA PLA

    Born, AdoptedFMLA (Max 12 weeks)

    Weeks014812

    Employee Normal Pregnancy (no complications) with Cesarian Delivery and Bonding with ChildCT Employee paternity, non birthing mother.

    Pre-birthPost-birth

    ER Provided STD

    MA PLA (4 wks) MA PLA (4 wks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks01481012Weeks0148101216

    Employee Normal Pregnancy (no complications) and Bonding with ChildCT Employee pregnancy Cesarian Secion

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0148101216

    Employee Normal Pregnancy with Twins (no complications) and Bonding with ChildCT Employee normal pregnancy

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    MA PLA Child 1 (8 wks)MA PLA Child 2 (8 weeks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101216Weeks0148101216

    RI Employee normal pregnancy

    Pre-birthPost-birthBonding with Child Following Pregnancy DisabilityNon Birth Mother/Paternity RI

    RI TDIRI TCI

    RI PFMLA (Max 13 weeks)RI PFLMA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    RI TCI

    Weeks014810121314Weeks01468101213

    Employee's own Disabilty

    RI Employee c-section pregnancy

    RI PFLMAPre-birthPost-birthBonding with Child Following Pregnancy Disability

    FMLA (Max 12 weeks) RI TDIRI TCI

    RI TDI (Max 30 weeks)RI PFMLA (Max 13 weeks)

    FMLA (Max 12 weeks)

    Weeks01468101213

    Weeks01481012131416

    Colorado

    NAWI Birthing mother

    CO FCAPre-BirthBirthBonding

    FMLA (Max 12 weeks) WI FMLAWI FMLA

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks012468101216

    WI FMLA

    FMLA (Max 12 weeks)

    WI Birthing mother c-section

    Weeks0124681012Pre-BirthBirthBonding

    WI FMLAWI FMLA

    WI Serious Health condition of employee or dependentFMLA (Max 12 weeks)

    WI FMLAWeeks012468101218

    FMLA (Max 12 weeks)

    Weeks0124681012

    DC birthing mother normal deliveryDC non birthing/paternity

    Pre-BirthBirthBonding

    DC FMLADC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks012468101216Weeks01246810121416

    DC birthing mother C section delivery

    Pre-BirthBirthBondingMD birthing Mother

    DC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) Pre-birthPost BirthBonding

    FMLA (Max 12 weeks)

    Weeks012468101216

    Weeks0124681012

    Pre-BirthPost Birth

    FMLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    MD PLAWeeks0124681012

    Weeks01246

    Effective 2020

    Employee Pregnancy and Bonding with Child WAPregnancy with standard deliveryPregnancy with C section

    Pre-birthPost-birth

    WA PFMLPre-birthPost Birth Standard DeliveryBondingPre-birthPost Birth c-section DeliveryBonding

    FMLA (12 weeks maximum)WA PFML WA PFML WA PFML WA PFML WA PFML WA PFML

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101218

    Weeks012468101216Weeks012468101216

    NV

    WA PFML (Max 12 weeks)

    FMLA (Max 12 weeks) Pre-birthPost Birth Standard DeliveryBonding

    NV PWFANV PWFA

    FMLA (Max 12 weeks)

    Weeks0124681012

    Weeks0124681012

    MN

    Pre-birthPost Birth C-Section Delivery

    MN PLA (Max 12 weeks)NV PWFANV PWFA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0124681012Weeks0124681012

    MN

    Pre-birthPost-birth standard delivery

    MN PLAMN PLA BondingMT

    FMLA (12 weeks maximumPre-birthPost Birth Standard DeliveryBonding

    MT DiscriminationMT Discrimination

    Weeks01481012FMLA (Max 12 weeks)

    Pre-birthPost-birth c-section deliveryWeeks0124681012

    MN PLAMN PLA

    FMLA (12 weeks maximum)

    Weeks01481012

    Pre-birthPost Birth Cesarean Delivery

    MN MT DiscriminationMT Discrimination

    FMLA (Max 12 weeks)

    MN PLA (Max 12 weeks)Weeks0124681012

    Weeks0124681012

    Employee Pregnancy with c section and Bonding with Child HI

    Pre-birthPost-birthEmployee Normal Pregnancy and Bonding with Child HI

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumHI TDIHI TDI

    FMLA (12 weeks maximum

    Weeks0148101216

    Weeks01481012

    Parent's New Child Bonding Period

    Employee Normal Pregnancy and Bonding with Child LA

    HFLLPre-birthPost-birth

    FMLA (Max 12 weeks)LA PDL

    FMLA (12 weeks maximum

    Weeks0124681012

    Weeks01481012

    Employee Normal Pregnancy and Bonding with Child HI

    Pre-birthPost-birthEmployee Pregnancy with c-section and Bonding with Child LA

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumLA PDL

    FMLA (12 weeks maximum

    Weeks014810121416

    Weeks01481012

    HI TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee Pregnancy with c-section and Bonding with Child ME

    Pre-birthPost-birth

    ME FMLRME FMLR

    FMLA (12 weeks maximumME FMLR (Max 10 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0124681012

    Pre-birthPost-birthBonding

    VT PFLAVT PFLAVT PFLAEmployee Pregnancy with c-section and Bonding with Child VT

    FMLA (12 weeks maximumPre-birthPost-birth

    VT PFLAVT PFLA

    Weeks01481012FMLA (12 weeks maximum

    Weeks014810

    VT PFLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ ESL

    EPSL

    NJ FLA (Max 12 weeks)

    Emergency FMLA

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ PSL

    EPSL

    NJ TDI (Max 26 Weeks)

    Weeks01246810122628

    NJ PSL

    EPSL

    NJ FLI (Max 6 weeks)

    Emergency FMLA

    Weeks012468101218

    CA NY

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    SDI (until no longer disabled up to 52 weeks maximum)Max

    FMLA (Max 12 weeks) PFL (Max 8 weeks)Leave

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)7 Mos

    Weeks01481217.3202429.3

    Employee Pregnancy Disability with no FMLA

    SDI (until no longer disabled up to maximum 52 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee's Own Medical Disability

    SDI (Max 52 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Leave for Dependent Medical Disability

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Pregnancy Disability and Bonding - Small Employer (20 or more employees)

    SDI (until no longer disabled - max 52 weeks)PLA (Max 12 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee Normal Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(6 wks after)

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.3182022

    Employee Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101216

    Employee Pregnancy with Bonding with Child Small Company

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)PFL (Max 6 weeks)

    PDL PLA (Max 12 weeks)

    Weeks0148101216182022

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.318202224

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101218

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birthMaximum

    SDI 7 mo. Leave

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)

    Weeks01481217.3202429.3

    Parent's New Child Bonding Period

    New ChildPFL (Max 8 weeks)

    Born, AdoptedFMLA (Max 12 weeks) Maximum

    or Foster CareCFRA (Max 12 weeks)3 mo. Leave

    Placement

    Weeks014812

    Pre-birthPost-birth

    ER paid difference between SDI/PFL/STD and full salary

    SDI (4 wks )(6 wks after)

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks014810121617.3182022

    Employee Normal Pregnancy and Bonding with Child in NY

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    FMLA (Max 12 weeks)

    Weeks0148101218

    Parent's New Child Bonding Period NY

    PaternityPFL (Max 8 weeks 2018)

    AdoptionFMLA (Max 12 weeks) Maximum

    Placement

    Weeks014812

    Employee Normal Pregnancy and Bonding with Child in NY no fmla

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    Weeks0148101218

    Employee Cesarean Deliver and Bonding with Child in NY

    Pre-birthPost-birth

    NY DBL (4 wks )NY DBL (8 wks after)

    FMLANY PFL (Max 8 weeks)

    Weeks0148101220

    Employee's Own Medical Disability NY

    NY DBL (duration of quarantine)

    EPSL

    NY Paid Family Leave

    Weeks0124810

    Employee's Own Medical Disability

    FMLA (Max 12 weeks)

    Weeks014812

    Employee's Own Medical Disability

    10 daysEPSL

    NY State Disability

    5 - 14 days NY PSL

    NY Paid Family Leave

    012481012

    Employee's Own Medical Disability NY

    NY Paid Family Leave

    FMLA (Max 12 weeks)

    Weeks01481012

    10 daysEPSL

    FMLA

    NY Paid Family Leave

    012481012

  • 7

    CFRA Coordination with FMLALeave taken by an employee under CFRA runs concurrently with FMLA, except where leave is taken under FMLA for disability due to pregnancy, childbirth or related medical conditions. Leave for pregnancy or pregnancy-related disability counts only toward the employee’s FMLA leave entitlement (as well as toward PDL, as discussed below) and not toward the leave rights granted under CFRA. This is because CFRA specifically excludes leave taken for disability due to pregnancy, childbirth, or related medical conditions as a serious health condition of the employee. As a result, an employee who exhausts FMLA (and PDL) for a pregnancy-related disability is still entitled to leave under CFRA in order to bond with the newborn child.

    PDL Coordination with FMLA and CFRAThe FMLA treats any period of incapacity due to pregnancy or for prenatal care as a serious health condition which entitles the employee to leave. As a result, leave taken for pregnancy- related disability will count toward both the employee’s FMLA and PDL entitlements (so the leave periods will run concurrently).

    However, because CFRA does not include leave taken for disability due to pregnancy, childbirth or related medical conditions as a serious health condition of the employee, PDL does not run concurrently with leave under CFRA. As a result, an eligible employee who is certified to take the full 17 1/3 weeks of PDL (concurrently with the 12 weeks of FMLA) and then 12 weeks of CFRA for baby bonding, will have a combined total of 7 months of leave.

    San Francisco Paid Parental LeaveEmployees who work at least 8 hours per week in San Francisco, and work at least 40% of their weekly hours in San Francisco are eligible to receive up to 100% of their weekly wages during the CA PFL new child bonding period capped at $2,167 for 2020 (60% from PFL and 40% from the employer). For more information see our webinar.

    Leaves Comparison Chart

    http://www.theabdteam.com/sites/default/files/content/presentation/file/ABD%20Office%20Hours--SF%20PPLO%20Review%20final_0.pdf

  • 8

    Example 1 – Pregnancy with Standard DeliverySally is a California based employee of XYZ Corp. and has been employed there for over a year. She has requested pregnancy leave and has asked how much time she will be able to take off from work and what pay she will receive. XYZ employs over 50 employees within a 75-mile radius.

    Sally will be eligible for the following federal and state job-protected leaves: FMLA, PDL and CFRA.Sally will be eligible for the following state wage replacement benefits: SDI and PFL.

    Generally, an employee on pregnancy disability is eligible for up to four weeks disability prior to delivery and six weeks following for a standard delivery (8 weeks for cesarean). She will be eligible for 12 weeks of baby bonding protection thereafter.

    Three Primary Job Protection Laws1. Family and Medical Leave Act (FMLA): Up to 12 weeks (runs concurrently with PDL)2. Pregnancy Disability Leave (PDL): Generally 4 weeks prior to birth, 6 weeks after birth (10 weeks total)3. California Family Rights Act (CFRA): Up to 12 weeks (does not run concurrently with PDL)

    Two Primary Partial Wage Replacement Laws1. California State Disability Insurance (SDI): Provides 60% (or 70% depending on income) of employee’s earnings, capped at $1,300

    per week (based on a taxable wage limit of $122,909)2. California Paid Family Leave (PFL): Paid at the same rate as SDI. For claims beginning on or after July 1, 2020, provides 8 weeks

    paid leave. Claims beginning prior to July 1, 2020 eligible for a maximum of 6 weeks paid leave

    SF PPLO Note: If the employee works in San Francisco and meets the requirements under PPL, the employee will receive up to 100% of her salary while on PFL capped at $2,167 per week in 2020 (60% from PFL and 40% from the employer). SF PPLO increases to 8 weeks for claims beginning on or after July 1, 2020. Claims beginning prior to July 1, 2020 will be eligible for 6 weeks PPLO.

    Leaves Comparison Chart

    Pre-birth Post-birth

    Weeks 0 1 4 8 10 12 17.3 18 20 22

    PFL (Max 8 weeks)FMLA (Max 12 weeks) PDL CFRA (Max 12 weeks)

    SDI (4 wks ) (6 wks after)

    Theme colors

    01558812835871281722182450128

    0155881283587128172141540130

    0155881283587128172931780133

    BACK-GROUNDS, TEXTBACK-GROUNDS, TEXTTEXTTEXT FOR PAGE NUMBERS, FOOTERSDARK GREYUSED IN TOP ROW OF TABLES AND PLOTTINGUSED IN TABLES AND PLOTTINGUSED IN PLOTSLOGO AND HIGHLIGHT COLORUSED IN TABLES AND PLOTTINGHYPER-LINK FOL-LOWED HYPER-LINK

    BLACK

    Table for Pasting (2)

    Ratings CompanyS&PMoody’sA.M. BestFitchTotal AssetsSurplusRatio

    ACEAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Admiral InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Allied World (AWAC)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Arch Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    AxisAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Argo InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Beazley Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Berkley/MonitorAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Carolina CasualtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Caitlin InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chartis (AIG)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chubb Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    CNAAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    C&F/ ValiantAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Freedom SpecialtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Great AmericanAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Sheet3

    Employee's Own Medical DisabilityEmployee C-Section Pregnancy and Bonding with Child NJ

    Pre-birthPost-birth

    FMLA (Max 12 weeks) NJ TDI (4 wks) NJ TDI (8 wks)NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (Paid leave)

    Weeks014812

    Weeks0148101224

    Employee Leave for Dependent Medical DisabilityNon Birthing Mother/Paternity

    FMLA (Max 12 weeks) NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks014812

    Weeks014681012

    Employee Normal Pregnancy (no complications) and Bonding with ChildEmployee Normal Pregnancy and Bonding with Child NJ

    Pre-birthPost-birthPre-birthPost-birth

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (4 wks) NJ TDI (6 wks)NJ FLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks01481012Weeks014810121622

    Employee Normal Pregnancy (with complications pre-birth) and Bonding with ChildEmployee Normal Pregnancy (with complications pre-birth) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STD ER Provided STD

    FMLA FMLA

    Weeks01481012Weeks01481012

    Employee Normal Pregnancy with Twins (no complications) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STDFMLA (Max 12 weeks)

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks01481012

    Parent's New Child Bonding Period

    New ChildMA PLA

    Born, AdoptedFMLA (Max 12 weeks)

    Weeks014812

    Employee Normal Pregnancy (no complications) with Cesarian Delivery and Bonding with ChildCT Employee paternity, non birthing mother.

    Pre-birthPost-birth

    ER Provided STD

    MA PLA (4 wks) MA PLA (4 wks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks01481012Weeks0148101216

    Employee Normal Pregnancy (no complications) and Bonding with ChildCT Employee pregnancy Cesarian Secion

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0148101216

    Employee Normal Pregnancy with Twins (no complications) and Bonding with ChildCT Employee normal pregnancy

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    MA PLA Child 1 (8 wks)MA PLA Child 2 (8 weeks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101216Weeks0148101216

    RI Employee normal pregnancy

    Pre-birthPost-birthBonding with Child Following Pregnancy DisabilityNon Birth Mother/Paternity RI

    RI TDIRI TCI

    RI PFMLA (Max 13 weeks)RI PFLMA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    RI TCI

    Weeks014810121314Weeks01468101213

    Employee's own Disabilty

    RI Employee c-section pregnancy

    RI PFLMAPre-birthPost-birthBonding with Child Following Pregnancy Disability

    FMLA (Max 12 weeks) RI TDIRI TCI

    RI TDI (Max 30 weeks)RI PFMLA (Max 13 weeks)

    FMLA (Max 12 weeks)

    Weeks01468101213

    Weeks01481012131416

    Colorado

    NAWI Birthing mother

    CO FCAPre-BirthBirthBonding

    FMLA (Max 12 weeks) WI FMLAWI FMLA

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks012468101216

    WI FMLA

    FMLA (Max 12 weeks)

    WI Birthing mother c-section

    Weeks0124681012Pre-BirthBirthBonding

    WI FMLAWI FMLA

    WI Serious Health condition of employee or dependentFMLA (Max 12 weeks)

    WI FMLAWeeks012468101218

    FMLA (Max 12 weeks)

    Weeks0124681012

    DC birthing mother normal deliveryDC non birthing/paternity

    Pre-BirthBirthBonding

    DC FMLADC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks012468101216Weeks01246810121416

    DC birthing mother C section delivery

    Pre-BirthBirthBondingMD birthing Mother

    DC FMLADC FMLADC FMLA

    FMLA (Max 12 weeks) Pre-birthPost BirthBonding

    FMLA (Max 12 weeks)

    Weeks012468101216

    Weeks0124681012

    Pre-BirthPost Birth

    FMLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    MD PLAWeeks0124681012

    Weeks01246

    Effective 2020

    Employee Pregnancy and Bonding with Child WAPregnancy with standard deliveryPregnancy with C section

    Pre-birthPost-birth

    WA PFMLPre-birthPost Birth Standard DeliveryBondingPre-birthPost Birth c-section DeliveryBonding

    FMLA (12 weeks maximum)WA PFML WA PFML WA PFML WA PFML WA PFML WA PFML

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0148101218

    Weeks012468101216Weeks012468101216

    NV

    WA PFML (Max 12 weeks)

    FMLA (Max 12 weeks) Pre-birthPost Birth Standard DeliveryBonding

    NV PWFANV PWFA

    FMLA (Max 12 weeks)

    Weeks0124681012

    Weeks0124681012

    MN

    Pre-birthPost Birth C-Section Delivery

    MN PLA (Max 12 weeks)NV PWFANV PWFA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks0124681012Weeks0124681012

    MN

    Pre-birthPost-birth standard delivery

    MN PLAMN PLA BondingMT

    FMLA (12 weeks maximumPre-birthPost Birth Standard DeliveryBonding

    MT DiscriminationMT Discrimination

    Weeks01481012FMLA (Max 12 weeks)

    Pre-birthPost-birth c-section deliveryWeeks0124681012

    MN PLAMN PLA

    FMLA (12 weeks maximum)

    Weeks01481012

    Pre-birthPost Birth Cesarean Delivery

    MN MT DiscriminationMT Discrimination

    FMLA (Max 12 weeks)

    MN PLA (Max 12 weeks)Weeks0124681012

    Weeks0124681012

    Employee Pregnancy with c section and Bonding with Child HI

    Pre-birthPost-birthEmployee Normal Pregnancy and Bonding with Child HI

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumHI TDIHI TDI

    FMLA (12 weeks maximum

    Weeks0148101216

    Weeks01481012

    Parent's New Child Bonding Period

    Employee Normal Pregnancy and Bonding with Child LA

    HFLLPre-birthPost-birth

    FMLA (Max 12 weeks)LA PDL

    FMLA (12 weeks maximum

    Weeks0124681012

    Weeks01481012

    Employee Normal Pregnancy and Bonding with Child HI

    Pre-birthPost-birthEmployee Pregnancy with c-section and Bonding with Child LA

    HI TDIHI TDI HFLLPre-birthPost-birth

    FMLA (12 weeks maximumLA PDL

    FMLA (12 weeks maximum

    Weeks014810121416

    Weeks01481012

    HI TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee Pregnancy with c-section and Bonding with Child ME

    Pre-birthPost-birth

    ME FMLRME FMLR

    FMLA (12 weeks maximumME FMLR (Max 10 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0124681012

    Pre-birthPost-birthBonding

    VT PFLAVT PFLAVT PFLAEmployee Pregnancy with c-section and Bonding with Child VT

    FMLA (12 weeks maximumPre-birthPost-birth

    VT PFLAVT PFLA

    Weeks01481012FMLA (12 weeks maximum

    Weeks014810

    VT PFLA (Max 12 weeks)

    FMLA (Max 12 weeks)

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ ESL

    EPSL

    NJ FLA (Max 12 weeks)

    Emergency FMLA

    Weeks0124681012

    Employee's Own Medical Quarantine NJ

    NJ PSL

    EPSL

    NJ TDI (Max 26 Weeks)

    Weeks01246810122628

    NJ PSL

    EPSL

    NJ FLI (Max 6 weeks)

    Emergency FMLA

    Weeks012468101218

    CA NY

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    SDI (until no longer disabled up to 52 weeks maximum)Max

    FMLA (Max 12 weeks) PFL (Max 8 weeks)Leave

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)7 Mos

    Weeks01481217.3202429.3

    Employee Pregnancy Disability with no FMLA

    SDI (until no longer disabled up to maximum 52 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee's Own Medical Disability

    SDI (Max 52 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Leave for Dependent Medical Disability

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    CFRA (Max 12 weeks)

    Weeks014812

    Employee Pregnancy Disability and Bonding - Small Employer (20 or more employees)

    SDI (until no longer disabled - max 52 weeks)PLA (Max 12 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)PFL (Max 6 weeks)

    Weeks01481217.3202429.3

    Employee Normal Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(6 wks after)

    FMLA (Max 12 weeks) PFL (Max 8 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.3182022

    Employee Pregnancy and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101216

    Employee Pregnancy with Bonding with Child Small Company

    Pre-birthPost-birth

    SDI (4 wks)(6 wks after)PFL (Max 6 weeks)

    PDL PLA (Max 12 weeks)

    Weeks0148101216182022

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks0148101217.318202224

    Employee Cesarean Delivery and Bonding with Child

    Pre-birthPost-birth

    SDI (4 wks )(8 wks after)

    PDL PFL (Max 6 weeks)

    Weeks0148101218

    Employee Pregnancy and Bonding with Child

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birthMaximum

    SDI 7 mo. Leave

    FMLA (Max 12 weeks) PFL (Max 6 weeks)

    PDL (Max 17 1/3 weeks if employee is disabled due to pregnancy)CFRA (Max 12 weeks)

    Weeks01481217.3202429.3

    Parent's New Child Bonding Period

    New ChildPFL (Max 8 weeks)

    Born, AdoptedFMLA (Max 12 weeks) Maximum

    or Foster CareCFRA (Max 12 weeks)3 mo. Leave

    Placement

    Weeks014812

    Pre-birthPost-birth

    ER paid difference between SDI/PFL/STD and full salary

    SDI (4 wks )(6 wks after)

    PFL (Max 6 weeks)

    FMLA (Max 12 weeks)

    PDL CFRA (Max 12 weeks)

    Weeks014810121617.3182022

    Employee Normal Pregnancy and Bonding with Child in NY

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    FMLA (Max 12 weeks)

    Weeks0148101218

    Parent's New Child Bonding Period NY

    PaternityPFL (Max 8 weeks 2018)

    AdoptionFMLA (Max 12 weeks) Maximum

    Placement

    Weeks014812

    Employee Normal Pregnancy and Bonding with Child in NY no fmla

    Employee Pregnancy Disability PeriodBonding with Child Following Pregnancy Disability

    Pre-birthPost-birth

    DBL (4 wks )DBL (6 wks after)NY PFL (Max 8 weeks)

    Weeks0148101218

    Employee Cesarean Deliver and Bonding with Child in NY

    Pre-birthPost-birth

    NY DBL (4 wks )NY DBL (8 wks after)

    FMLANY PFL (Max 8 weeks)

    Weeks0148101220

    Employee's Own Medical Disability NY

    NY DBL (duration of quarantine)

    EPSL

    NY Paid Family Leave

    Weeks0124810

    Employee's Own Medical Disability

    FMLA (Max 12 weeks)

    Weeks014812

    Employee's Own Medical Disability

    10 daysEPSL

    NY State Disability

    5 - 14 days NY PSL

    NY Paid Family Leave

    012481012

    Employee's Own Medical Disability NY

    NY Paid Family Leave

    FMLA (Max 12 weeks)

    Weeks01481012

    10 daysEPSL

    FMLA

    NY Paid Family Leave

    012481012

  • 9

    Example 2 – Pregnancy with Standard Delivery – No FMLA/CFRAJane is a California based employee of XYZ Corp. and has been employed there for six months. She has requested pregnancy leave and has asked how much time she will be able to take off from work and what pay she will receive.

    Jane will be eligible for the following federal and state job-protected leaves: PDL.Jane will be eligible for the following state wage replacement benefits: SDI and PFL.

    Generally, an employee on pregnancy disability is eligible for up to four weeks disability prior to delivery and six weeks following for a standard delivery (8 weeks for cesarean). In this case, Jane is not eligible for baby bonding job protection after the disability period.

    Job ProtectionPregnancy Disability Leave (PDL): Generally 4 weeks prior to birth, 6 weeks after birth (10 weeks total)

    Two Primary Partial Wage Replacement Laws1. California State Disability Insurance (SDI): Provides 60% (or 70% depending on income) of employee’s earnings, capped at $1,300

    per week based on a taxable wage limit of $122,909. 2. California Paid Family Leave (PFL): Paid at the same rate as SDI. Leaves beginning on or after July 1, 2020, paid for maximum 8

    weeks. Leaves beginning before July 1, 2020 are eligible for a maximum of 6 weeks of paid leave.

    SF PPLO Note: If the employee works in San Francisco and meets the requirements under PPL, the employee will receive up to 100% of her salary while on PFL capped at $2,167 per week in 2020 (60% from PFL and 40% from the employer). SF PPLO increases to 8 weeks for leaves beginning on or after July 1, 2020. Leaves beginning prior to July 1, 2020 are eligible for a maximum of 6 weeks paid leave.

    Leaves Comparison Chart

    Pre-birth Post-birth

    Weeks 0 1 4 8 10 12 16 18

    PFL (Max 8 weeks)SDI (4 wks) (6 wks after)

    PDL

    Theme colors

    01558812835871281722182450128

    0155881283587128172141540130

    0155881283587128172931780133

    BACK-GROUNDS, TEXTBACK-GROUNDS, TEXTTEXTTEXT FOR PAGE NUMBERS, FOOTERSDARK GREYUSED IN TOP ROW OF TABLES AND PLOTTINGUSED IN TABLES AND PLOTTINGUSED IN PLOTSLOGO AND HIGHLIGHT COLORUSED IN TABLES AND PLOTTINGHYPER-LINK FOL-LOWED HYPER-LINK

    BLACK

    Table for Pasting (2)

    Ratings CompanyS&PMoody’sA.M. BestFitchTotal AssetsSurplusRatio

    ACEAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Admiral InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Allied World (AWAC)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Arch Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    AxisAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Argo InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Beazley Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Berkley/MonitorAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Carolina CasualtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Caitlin InsuranceAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chartis (AIG)AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Chubb Insurance Co.AA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    CNAAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    C&F/ ValiantAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Freedom SpecialtyAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Great AmericanAA- (Stable)AA- (Stable)AA- (Stable)AA- (Stable)$178,958M$178,958M102.60%

    Sheet3

    Employee's Own Medical DisabilityEmployee C-Section Pregnancy and Bonding with Child NJ

    Pre-birthPost-birth

    FMLA (Max 12 weeks) NJ TDI (4 wks) NJ TDI (8 wks)NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (Paid leave)

    Weeks014812

    Weeks0148101224

    Employee Leave for Dependent Medical DisabilityNon Birthing Mother/Paternity

    FMLA (Max 12 weeks) NJ FLA

    FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks014812

    Weeks014681012

    Employee Normal Pregnancy (no complications) and Bonding with ChildEmployee Normal Pregnancy and Bonding with Child NJ

    Pre-birthPost-birthPre-birthPost-birth

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (4 wks) NJ TDI (6 wks)NJ FLA

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    NJ FLI (paid leave)

    Weeks01481012Weeks014810121622

    Employee Normal Pregnancy (with complications pre-birth) and Bonding with ChildEmployee Normal Pregnancy (with complications pre-birth) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STD ER Provided STD

    FMLA FMLA

    Weeks01481012Weeks01481012

    Employee Normal Pregnancy with Twins (no complications) and Bonding with Child

    Pre-birthPost-birth

    ER Provided STDFMLA (Max 12 weeks)

    MA PLA (4 wks) MA PLA (4 wks)NJ TDI (Max 26 weeks)

    FMLA (Max 12 weeks)

    Weeks014681012

    Weeks01481012

    Parent's New Child Bonding Period

    New ChildMA PLA

    Born, AdoptedFMLA (Max 12 weeks)

    Weeks014812

    Employee Normal Pregnancy (no complications) with Cesarian Delivery and Bonding with ChildCT Employee paternity, non birthing mother.

    Pre-birthPost-birth

    ER Provided STD

    MA PLA (4 wks) MA PLA (4 wks)CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks) FMLA (Max 12 weeks)

    Weeks01481012Weeks0148101216

    Employee Normal Pregnancy (no complications) and Bonding with ChildCT Employee pregnancy Cesarian Secion

    Pre-birthPost-birthPre-birthPost-birthBonding with Child Following Pregnancy Disability

    ER Provided STDCT PDL

    CT FMLA (Max 16 weeks)

    FMLA (Max 12 weeks)

    Weeks01481012

    Weeks0148101216

    Employee Normal Pregnancy with Twins (no complications) and Bonding with ChildCT Employee normal pregnancy

    Pre-birthPost-