Considerations for Partnering With The Hartford for Connecticut Paid Family and Medical Leave (CT PFML)

 
Before Paid Family and Medical Leave (PFML) benefits begin in Connecticut on January 1, 2022, employers will need to consider how to structure their PFML program.
 
According to the CT PFML law, employers may choose to offer a private plan or participate in the state program to distribute PFML benefits.
 
By partnering with The Hartford for CT PFML, employers will have the opportunity for a streamlined integrated approach to administration and claims. Including features such as:
 
  • Ability to coordinate with additional benefits offered through The Hartford providing a single intake and integrated claims management
  • Support with program election and required voting process
  • Ability for claimants to update banking information in real-time
  • Ability for employees to submit claims telephonically
  • Experienced nurses as an employees’ first contact when reporting a Paid Medical Leave claim
  • Offering employee PFML benefits as good as or better than the State program
  • Employer & employee access to personalized claim service, including direct access to a case claim representative
  • Contact from an employee’s claim analyst within 1 business day after filing a non-expedited claim1
  • Detailed reporting

Partnering With The Hartford

The Hartford is the market leader for Statutory Disability2 and Leave Management,3 providing statutory coverage since 1950. We can help employers:
 
  • Simplify Administration for employers and employees.
  • Enhance the employee experience with compassionate support and additional resources.
  • Design compliant policies and provide educational resources for employers and employees.

Upcoming Key Dates

  • Jan. 1, 2022: Employees meeting the eligibility criteria under the state plan started to receive Paid Leave benefits.
  • Jan. 1, 2022: The Hartford began accepting claims from Private Plan customers, and providing coverage for qualifying leaves to bond with a new child, recuperate from a serious medical condition- including serving as an organ or bone marrow donor, address specified needs associated with family violence, address the Military Exigency needs of a family member, and to care for a seriously ill family member- including one whose illness or injury is the result of service in the armed forces.
  • May 1, 2022: First private plan data reports by employer are due to the Paid Leave Authority. Data is for Quarter 1 of 2022.
Annual Employer Approval Schedule for Private Plan Exemptions:
 
  • 1/1 Approval Effective Date - Must be approved by 11/30
  • 4/1 Approval Effective Date - Must be approved by 2/28
  • 7/1 Approval Effective Date - Must be approved by 5/31
  • 10/1 Approval Effective Date - Must be approved by 8/31
Private Plans are in force for three years from the date of approval unless a material change is made to the plan. For more information regarding CT Private Plan Exemption Approvals visit the “I Want to Apply for a Private Plan” page on the Connecticut Paid Leave Authority’s website.
 
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1 The Hartford internal data for Disability Claims, 2019 for Inquiry and Intake.
LIMRA U.S. Workplace Benefits Disability Inforce, YE 2019 Summary.
3 LIMRA 2019 Absence Management/Family Medical Leave In Force Data Report (# Lives Covered).
This informational material is subject to change as The Hartford continues to receive guidance from states and municipalities. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to an employer’s business practices, and the views and recommendations contained herein shall not constitute The Hartford’s undertaking on a company’s behalf, or for the benefit of others, to determine or warrant that an employer’s business operations are in compliance with any law, rule, or regulation. Employers seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors; and employees should continue to consult their employers’ Human Resources or other employment benefits department for guidance on the application of any law, rule, or regulation.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company, under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com.