Are you
covered?
It can be difficult to understand the different types of leave and if you’re covered. Whether you’re taking paid or unpaid leave, find the support you need here to help understand your coverage options.
Who's covered under PFMLI?
To be eligible for American Fidelity’s PFMLI private plan, the employee must meet the criteria in the Paid Family and Medical Leave (PFML) policy document, including the following:
- The employee must work for a covered Delaware employer.
- An employee must have worked for the employer for at least 12 months.
- An employee has at least 1,250 hours of service with the employer during the 12 months before the leave (“hours of service” are hours actually worked and does not include time off for vacation, illness, or any other leave).
- The employee worked in Delaware for at least 60% of those 1,250 hours or worked out of state but the employer and employee both agree the employee should be classified as eligible for American Fidelity's PFMLI coverage.
Know the Difference
Paid Family and Medical Leave Insurance (PFMLI) |
|---|
| Benefits begin January 1, 2026 |
| American Fidelity's private equivalent plan alternative for employers subject to Delaware Paid Leave |
| Paid parental leave following the birth of a child or placement through adoption or foster care; paid medical leave for a covered employee’s own serious health condition; family caregiving leave to care for certain family members with a serious health condition; and qualified exigency leave for qualifying needs relating to a military family member's call to active duty or overseas deployment |
| Job protection and restoration following a covered leave |
| Weekly income protection for up to 12 weeks of leave in a 12-month application year, with some leave reasons being limited to 6 weeks per 24-month period |
| Eligible for coverage on and after the effective date of the PFMLI plan if the employee has worked at least 12 months for the employer; worked at least 1,250 hours in the year before taking leave; worked in Delaware for at least 60% of those 1,250 hours or worked out of state but the employer and employee both agree the employee should be classified as eligible for American Fidelity's PFMLI coverage; or worked primarily outside of Delaware but is classified by the employer as eligible for coverage |
| Leave runs concurrently with leave under the federal Family and Medical Leave Act (FMLA) where both are applicable |
Family and Medical Leave Act (FMLA) |
|---|
| Federal law enacted in 1993 |
| Unpaid leave to care for a covered employee’s own serious health condition; to care for certain family members with a serious health condition; parental leave for the birth of a child or placement through adoption or foster care; and reasons relating to military caregiving or to a family member’s military service |
| Job protection for qualified employees |
| Required for all public agencies, all school employers, and private companies with over 50 employees |
| Unpaid leave up to 12-26 weeks depending on qualifying event |
| Employee eligibility is based on hours worked the previous year, tenure with covered employer, and the number of people employed by the covered employer within 75 miles of worksite |
| May be used concurrently with PFMLI leave and certain other leaves when they apply |