Simplify Maryland FAMLI
Navigating Maryland's Family and Medical Leave Insurance (FAMLI) program might look hard but we can help manage the impact on you and your employees.
To improve your entire experience, we're providing:
A private plan option, subject to regulatory approval
Employee education
Option to add a leave tracking service (additional fee)
Steps to Take Now
Explore Your Plan Options
Deciding whether to apply to offer a private plan or participate in the state program is a significant decision, but it is one you do not have to make alone. Employers with at least one employee whose work is localized in Maryland may register with Maryland FAMLI now. Employers intending to pursue a private plan must submit a Declaration of Intent (DOI) by November 15, 2026.
As part of the DOI submission process, a Proof of Private Plan Consultation must be completed by a licensed insurance agent or other representative of an insurance company.
Learn More About Preparing to Use a Private Plan
What an Approved Private Plan Provides
To be approved, a private plan must provide benefits and service that meet or exceed those provided under the state plan.
An approved private plan cannot charge employees more than they would be charged under the state plan.
Employers that timely submit a Declaration of Intent and pursue a private plan generally will not remit 2027 contributions to the state plan. Instead, they must hold the required employer and employee contributions in escrow while their private plan application is pending, subject to an exception for certain governmental employers.
What to Know
Stay in the Loop
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Current Implementation Deadlines
Employers planning to use a private plan must submit a DOI between September 1 and November 15, 2026.
Employers pursuing a private plan with an accepted DOI begin collecting contributions January 1, 2027, and hold employee and employer contributions in escrow until the private plan application is resolved, subject to an exception for certain governmental employers. (Certain governmental employers permitted to pool with other employers under Maryland law may be exempt from the 2027 escrow requirement.)
Contributions begin January 1, 2027. Employers may collect the employee share through payroll deductions or pay that share on employees’ behalf.
Benefits begin January 1, 2028.
Our Experience Sets Us Apart
Whether you have employees going on leave, filing claims, or asking questions, we have you covered. Our holistic approach gives you the insight and control you want throughout the entire process.
Employee education can take a lot of your resources. Our local account team will help you navigate FAMLI and its impact on your employees' benefits. We aim to reduce your burden by proactively answering questions.
We do this through a variety of resources, including:
- Group Meetings
- Individual Benefit Reviews
- Customizable Communications
We don't just educate during your annual enrollment. We're there year-round to answer questions and assist with leave challenges to help give you more peace of mind.
By pairing our equivalent private plan with our leave management service, you and your employees will have one place to submit leave requests, track time, and run reports.
- Easier
When filing for paid leave employees use one claim form, one doctor’s approval, and one company for processing.
- Coordinated
Employees with our long-term disability won't have to submit long-term disability claims to multiple entities. We provide a more seamless experience.
- Accurate
Leave eligibility rules are built into the platform. Plus, our team of leave analysts will help you stay current on leave-related regulations.
Our portal provides the efficiency and convenience you need to track leaves in one place with the control you expect.
You'll get:
- Assistance with required reporting for equivalent private plans.
- Trends and analysis in real-time for leave reporting.
- A dedicated contact to help with questions.
Pair a Private Plan
with AFleave®
Maryland's FAMLI program doesn't have to make your life more difficult. Let us help you navigate the complexities of leave management with our solution that helps make it easier to track, manage, and communicate leave information to employees.
If an American Fidelity private plan is selected and approved, pairing it with AFleave can help coordinate PFML Insurance with other leave types included in the AFleave service, such as federal FMLA, while helping identify other benefits that may be available through American Fidelity coverage your employees already have.
We're Here to Help You
Navigating Maryland's FAMLI program can be challenging, but we're here to help simplify the process for you and your employees. Contact us today for guidance on our private plan or AFleave Service.