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Top Agent PFL FAQs

  • When is the Paid Family Leave ("PFL") benefit effective?

    This benefit is effective January 1st, 2018.

  • When will my client receive the PFL policy?

    PFL coverage will be added to the existing DBL policy as a rider. We expect this and other coverage documents to be sent directly to our policyholders in the last few months of 2017.

  • Is PFL coverage mandatory?

    Yes, employers are required to provide this coverage for all covered employees. They cannot opt out.

  • What is the PFL rate?

    The premium rate and maximum employee contribution for coverage beginning January 1, 2018 will be 0.126% of an employee's weekly wage up to and not to exceed the statewide average weekly wage. The statewide average weekly wage as of July 1, 2017 is $1,305.92.

  • How will PFL be billed?

    PFL and DBL will be billed separately on the same billing notice.

  • How is premium calculated?

    Please click here for easy to understand instructions on how to calculate the premium.

  • Will the coverage application process be the same?

    The DBL application will have minor changes to incorporate the PFL coverage. There will be no changes to how you will apply for a policy. If you have any policy related questions not answered here, please contact policyholder services at 646-509-2100 or email us at policyservices@sslicny.com.

  • What are qualifying events for PFL?

    Bonding
    An employee may file for PFL to bond with their child during the first year after birth, or during the first year after placement of an adopted or foster child. An employee may apply for family leave before the actual placement for adoption or foster care. Examples of valid reasons for leave in this scenario: to attend counseling sessions, court appearances, attorney consultations or travel to another country to complete an adoption.

    Caring for a Family Member with a Serious Health Condition
    An employee may file for PFL to care for a close family member with a serious health condition. A close family member of the employee includes the employee's spouse, domestic partner, child, parent, grandparent or grandchild. A "serious health condition" is an illness, injury impairment, or physical or mental condition that involves either (a) inpatient care or (b) continuing treatment or continuing supervision by a health care provider.

    Qualifying Military Event
    An employee may file for PFL for a qualifying military event when a spouse, child, domestic partner or parent of the employee is on active duty or has been notified of an impending call or order of active duty.

  • What are the eligibility requirements to file for PFL?

    Employees who regularly work 20 or more hours per week may be eligible after they have worked for at least 26 consecutive weeks. Employees who work less than 20 hours per week may be eligible after they have worked at least 175 days.

  • What are the benefits?

    The PFL program will be phased in over four years, beginning on January 1, 2018. Eligible employees will receive a portion of their weekly earnings during a qualifying leave period, subject to a New York State average weekly wage (NYSAWW) maximum, as follows:

    Year Weeks Available % of Employee Salary Up to a Maximum
    % of State
    Average Weekly Wage*
    1/1/2018 8 50% 50%
    1/1/2019 10 55% 55%
    1/1/2020 10 60% 60%
    1/1/2021 12 67% 67%

    Examples:

    In 2018, an employee who makes $600 a week would receive a benefit of $300 a week (50% of $600). An employee who makes $2,000 a week would receive a benefit of approximately $652.96, because this employee is capped at one-half of New York State's Average Weekly Wage (NYSAWW) —currently $1305.92. Half of that amount is the $652.96 benefit.

  • Is the employer obligated to hold the employee's job open for them and maintain their health benefit coverage?

    Employees are guaranteed to be able to return to their job and the employer must continue their health insurance coverage. It is important to note, employees must continue to pay their portion of the premium cost while on PFL. The employer must work out those details with the employees; this will not be handled through the PFL benefit.

  • What are some other employer obligations?

    If they have an employee handbook or any written guidance for employees regarding benefits or leave rights, they must include information concerning leave under PFL; which should include the employee rights and obligations under PFL and how to file a claim for this benefit. If they do NOT have written policies, manuals or handbooks they still must provide written guidance to each of their employees regarding all of the employee's rights and obligations under PFL, including information on how to file a claim.

  • What is the cost to the employer for the PFL benefit?

    PFL is entirely employee-funded. Beginning on or after July 1, 2017, your client may institute a payroll deduction to pay for the PFL benefit premium.

  • Can non US citizens and undocumented workers apply for PFL?

    Yes. Citizenship and immigration status has no impact on PFL eligibility.

  • Are part-timers eligible?

    An employee of a covered employer whose regular work schedule is less than 20 hours per week will become eligible to take family leave after working at least 175 days in that employment prior to the first full day leave begins.

  • If an employee is collecting Workers' Compensation Benefits, can they apply for PFL?

    No, if the employee is not working and is collecting workers' compensation, PFL may not be used.

  • Can employees take PFL and use their sick and/or vacation time together so that they receive full salary?

    Yes, your client can choose to allow employees to use their sick and vacation time so they may receive full salary. If they allow them to do this they may request reimbursement of any approved PFL benefits. An employer cannot require them to use their PTO.

  • How long does it take to process a claim?

    Once we receive a completed request for PFL with the necessary certification, we have 18 days to pay or deny a PFL claim.

  • Where can I get claim forms?

    You can download/print claim forms here. Also provided are detailed instructions and a claim filing requirements chart. You can also download/print the claim filing requirement charts separately.

  • Where should a claimant send their completed form and certification to apply for PFL?
    They can mail it to: Standard Security Life Insurance Company of New York
    P. O. Box 25339
    Farmington, New York 14425
    They can email it to: claims@sslicny.com
    Or
    They can fax it to: 585-398-2854

    If you have any claim related questions not answered here, please contact us at 1-800-477-0087 or email us at claims@sslicny.com.