Broker Involvement
NH PFML was established in state law as a voluntary program allowing employers and workers a choice whether or not to participate.
Brokers Should Help Their Employer Customers:
- Consider sponsoring a NH PFML insurance plan for their NH workers
- Contact MetLife to help your employer customers select a NH PFML insurance plan for eligible NH workers
- Learn about the Business Enterprise Tax (BET) credit for the portion of the NH PFML insurance premium employers pay
- Recognize that eligible NH workers can purchase a NH PFML individual plan if the employer does not offer a NH PFML insurance plan or equivalent benefit plan
- Advise your employer customers to address worker questions and direct workers to MetLife
- Instruct your employer customers to support the claims process by providing wage and leave information, work schedules and other benefits information to MetLife, regardless of whether the employer purchases coverage
In Addition, Know That Employers with 50 or More Workers Must:
- Collect worker premium payments through payroll deductions (employers paying 100% of premium do not have to take payroll deductions)
- This requirement applies whether the employer opts into the NH PFML insurance plan or workers purchase coverage under a NH PFML individual plan
- In accordance with FMLA, restore workers to the position they held prior to leave or to an equivalent position
- Continue to provide health insurance during leave with workers paying any shared costs
Understand That Employers with Fewer Than 50 Workers:
- Are not required to collect premium payments through payroll deductions
- Make premium payments through arrangements with MetLife