Frequently Asked Questions

What is the NH Paid Family and Medical Leave (NH PFML) Insurance Plan?

NH PFML is a first-in-the-nation, state-sponsored voluntary plan where NH employers and eligible NH workers can purchase PFML Insurance providing 60% wage replacement (up to the Social Security wage cap) for up to six weeks per year for absences from work for covered common life events:

  • A worker’s own serious health condition when disability coverage does not apply, including childbirth
  • For a worker to bond with a child during the first year of birth, including placement for adoption or fostering
  • For a worker to care for a family member with a serious health condition
  • Any qualifying urgent demand or need arising out of the fact that the worker’s spouse, child or parent is a covered military member on covered active duty
  • For a worker to care for a covered service member with a serious injury or illness if the eligible worker is the service member’s spouse, child, parent or next of kin
     

Why should employers participate?

NH PFML is an attractive worker benefit that can give you a competitive edge by providing:  

  • Wage replacement protection for your workers to help them cope during a health crisis or care need
  • Reduced turnover and improved worker retention as workers stay connected to work
  • Increased worker morale and productivity

What does the NH PFML Insurance Plan include?

The NH PFML Insurance Plan includes:

  • Paid Family and Paid Medical Leave together in a single insurance policy
  • 60% wage replacement benefits up to the Social Security wage cap for qualifying leave reasons
  • Leave can be taken all at once (continuous) or in partial days (intermittent) with a minimum of 4-hour increments
  • Employers will have the choice of duration to offer under their NH PFML Insurance Plan:
    • Option 1: 6 paid weeks of leave 
    • Option 2: 12 paid weeks of leave 
       

How much does NH PFML Insurance cost? 

Employers will have the ability to work directly with MetLife to customize NH PFML Insurance and premium to meet their business needs within regulatory parameters set by the state. 

The NH PFML Plan incentivizes employers to purchase six weeks of coverage through the plan by providing a Business Enterprise Tax (BET) Credit equal to 50% of the NH PFML Insurance premium they pay.

An employer may fully fund the NH PFML Insurance premium cost on their workers’ behalf, split the premium cost with workers or pass on the full cost to workers.
 

Do I have to purchase NH PFML Insurance from MetLife?

No. NH PFML is a voluntary benefit available to all employers and workers but required of none. NH PFML Insurance was established in state law as a voluntary insurance program allowing employers and workers a choice whether or not to participate.

Employers are not required to purchase a NH PFML Insurance Plan. 

New Hampshire Department of Insurance regulations allow other insurance companies to seek approval to provide paid family and medical leave benefit plans. However, employers who purchase other paid family and medical leave insurance plans or employer equivalent coverage will not qualify for the BET Tax Credit.

Employers can choose to provide:

  • NH PFML Insurance issued by MetLife, the state’s insurance partner, and receive the 50% BET Credit;
  • Other paid family and medical leave insurance plans approved by the New Hampshire Department of Insurance; or 
  • Self-insured employer equivalent benefit coverage

If an employer does not provide employer equivalent benefit coverage, workers may purchase a NH PFML individual insurance plan for themselves from MetLife (employer obligations still apply). The NH PFML individual insurance plan provides workers: 

  • 6 weeks of wage replacement at 60% up to the Social Security wage cap 
  • A single unpaid work week  before benefits may be paid
  • Leave that can be taken all at once (continuous) or in partial days (intermittent) with a minimum of 4-hour increments
  • 7-month waiting period before a claim may be submitted
  • Premiums of no more than $5 per week
     

What is considered “employer equivalent benefit coverage”?

To meet the qualifications for employer equivalent benefit coverage, benefits must include:

  • Minimum of 6 weeks of wage replacement 
  • 60% or more wage replacement (up to the Social Security wage cap)
  • Coverage of all qualifying events, including:
    • A worker’s own serious health condition when disability coverage does not apply, including childbirth
    • For a worker to bond with a child during the first year of birth, including placement for adoption or fostering
    • For a worker to care for a family member with a serious health condition
    • Any qualifying urgent demand or need arising out of the fact that the worker’s spouse, child or parent is a covered military member on covered active duty
    • For a worker to care for a covered service member with a serious injury or illness if the eligible worker is the service member’s spouse, child, parent or next of kin
       

How do I buy NH PFML Insurance?

Employers can purchase a NH PFML Plan directly from MetLife, the state’s insurance partner, or through an insurance agent, broker or third-party administrator. 

When can I enroll my workers in NH PFML?

Employers can enroll their workers beginning December 2022 and thereafter.

What are my obligations as an employer if I enroll my workers in NH PFML?

NH PFML Insurance comes with a few responsibilities.

All Employers Should:

  • Contact MetLife to select a NH PFML insurance plan for your eligible NH workers
  • Learn about the Business Enterprise Tax (BET) Credit for the portion of the NH PFML insurance premium you pay 
  • Recognize that your eligible NH workers can purchase a NH PFML individual plan if you do not offer a NH PFML insurance plan or equivalent benefit plan 
  • Not discriminate or retaliate against any worker for accessing PFML benefits
  • Address worker questions and direct workers to MetLife 
  • Support the claims process by providing wage and leave information, work schedules and other benefits information to MetLife 

In Addition, Employers with 50+ Workers Must:

  • Collect worker premium payments through payroll deductions 
    • This requirement applies whether the employer opts into the NH PFML insurance plan or if workers purchase coverage under a NH PFML individual plan
    • Employers paying 100% of premium do not have to take payroll deductions
  • 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

Employers with Fewer Than 50 Workers:

  • Smaller employers are not required to collect premium payments through payroll deductions 
  • Smaller employers make premium payments through arrangements with MetLife
     

What if I want to purchase NH PFML through my current insurance company?

The New Hampshire Department of Insurance has created regulations that allow other insurance companies to provide NH PFML benefit plans. Employers who purchase NH PFML Insurance from insurance carriers other than MetLife will not qualify for the Business Enterprise Tax (BET) Credit. 

As an employer, how do I become eligible for the Business Enterprise Tax (BET) Credit?

Employers purchasing NH PFML Insurance through MetLife qualify for a Business Enterprise Tax (BET) Credit equal to 50% of the NH PFML Insurance six-week premium the employer pays. Employers will need to complete and submit the most recent Schedule of Business Profits Tax (BPT) Credit (form DP-160) to the NH Department of Revenue Administration to claim the NH business tax credit.

Examples:

  • ABC B&B has chosen to provide the six-week PFML benefit and pay premiums on behalf of all 30 workers, which qualifies the company for a BET Credit equal to 50% of the premium paid to MetLife
  • XYZ Office has chosen to provide the 12-week PFML benefit and split the cost 50/50 with workers
    • The NH PFML BET will be calculated using the cost of the six-week benefit plan for only the portion XYZ pays
    • The BET Credit is not applied to worker-paid premiums
  • GHI Restaurant has chosen to pass the full cost to workers who want to participate
    • They do not qualify for any BET Credit since the employer is not contributing to the premium

What if I choose not to provide a NH PFML benefit to my workers? 

Individuals who work in New Hampshire for employers who choose not to offer NH PFML coverage or employer equivalent benefit coverage can purchase a NH PFML individual plan for themselves. 

Large employers (50 or more workers) must still collect premium payments through payroll deductions for their workers with individual coverage.

All employers must address worker questions and direct workers to MetLife. Employers must also provide wage and leave information, work schedules and other benefits information to MetLife to support claims processing.
 

What are my obligations when a worker files a claim under a NH PFML individual plan? 

Employers may be contacted by MetLife when a worker applies for benefits to confirm employment and use of other employer benefits, if needed.

What are my obligations for premium payments if my worker(s) enroll in a NH PFML individual plan? 

Employers with 50 or more workers will be required to set up payroll deductions to support individuals who have purchased NH PFML through the state’s insurance partner, MetLife. If a worker enrolls as an individual, you will be contacted by MetLife to set up the payroll deductions and will be given remittance instructions.

Employers with fewer than 50 workers may have individuals who enroll for individual coverage. These workers will be responsible for premium payments. 
 

How does NH PFML coordinate with other worker benefits?

NH PFML Insurance is designed to coordinate with other types of leave and worker benefits in the following manner:

  • If a worker qualifies for Short-Term Disability (STD), they will not qualify for NH PFML Insurance benefits for the same days absent
  • If a worker is eligible to receive workers’ compensation, they will not qualify for NH PFML Insurance benefits
  • NH PFML Insurance will run concurrently with the federal Family and Medical Leave Act (FMLA) when a worker is eligible for qualifying leave under both programs
  • Any other paid benefit coordination is based on employer policy, NH statute and rules of the MetLife agreement
     

How soon can a worker enroll in an individual plan?

For 2023, individual plan open enrollment will be conducted January 1 – March 2. 

Does NH PFML provide job protection? 

Employers with 50 or more workers that are providing the NH PFML Insurance benefit to their workers shall restore workers taking leave to the position held prior to such leave or to an equivalent position consistent with the job restoration provisions of the FMLA or RSA 275:37-d. 

Could my NH PFML Plan cover workers in other states?

No.

NH employers may purchase NH PFML insurance for their NH workers only. Eligible NH workers must be designated as working for a NH employer. Eligibility will be verified by MetLife during the enrollment process.