Frequently Asked Questions

Employers FAQs

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.

Workers FAQs

What is the New Hampshire 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 6 weeks per year for absences from work for covered common life events.

What kinds of absences are covered under New Hampshire Paid Family and Medical Leave (NH PFML)?

Leaves of absence available to cover common life events include: 

  • 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

What are the benefits of New Hampshire Paid Family and Medical Leave (NH PFML) insurance? 
 

Covered workers receive 60% wage replacement benefits (calculated up to the social security wage cap currently at $147,000/annually) if a qualifying common life event causes you to miss work.

What are some examples of common life events covered under New Hampshire Paid Family and Medical Leave (NH PFML)?

  • Non work-related conditions requiring an overnight stay in a hospital or medical care facility
  • Conditions that incapacitate you or a family member where you or your family member are unable to work or attend school for more than three consecutive days and have ongoing medical treatment (such as multiple appointments with health care providers, or a single appointment and follow-up care such as prescription medication).
  • Chronic conditions such as asthma or epilepsy where you or your family member are incapacitated and require treatment by a health care provider at least twice a year.
  • Pregnancy including  incapacity due to morning sickness, and medically required bed rest
  • Organ or tissue donation.
  • Unable to work because your child is coming home from oversees deployment

Who is not eligible for New Hampshire Paid Family and Medical Leave (NH PFML)?

Workers that are not designated as working for a NH employer are not eligible for NH PFML insurance coverage. Talk with your employer's Human Resources representative if you have any questions and to see whether your employer is sponsoring NH PFML coverage.

Are all workers designated to a NH Employer eligible for a New Hampshire Paid Family and Medical Leave (NH PFML) Individual Plan?

If your employer offers a NH PFML insurance plan or equivalent coverage and a worker chooses not to participate in the employer plan then the worker would not be eligible to purchase NH PFML individual coverage.

What will my benefits look like under an employer sponsored New Hampshire Paid Family and Medical Leave (PFML) plan?

If your employer purchases NH PFML insurance coverage, it will include: 

  • Paid Family and Paid Medical leave 
  • 60% wage replacement benefits up to the social security wage cap (calculated up to the social security wage cap currently at $147,000/annually)
  • Leave can be taken all at once (continuous) or in partial days (intermittent) with a minimum of 4-hour increments.
  • Check with your employer on the number of weeks of paid leave included in your employer-sponsored NH PFML plan
     

I work for the State of New Hampshire, what will my benefits look like?

Employees who work for the State of New Hampshire should check with their Human Resources office on the benefits available under NH PFML
Link to State Employees tab on NH PFML microsite
 

How can I get NH PFML insurance if my employer doesn’t provide it?

If an employer does not provide NH PFML or equivalent coverage, a worker may purchase a NH PFML individual plan for themselves. An employee must work for a NH employer and be designated as such by their employer to be eligible to purchase a NH PFML individual plan.
A NH PFML individual plan includes:

  • 7 month waiting period following your initial enrollment before you are eligible to receive NH PFML benefits
  • 6 paid weeks of leave following an unpaid 7 day period from the start of the first qualifying common life event
  • Leave can be taken all at once (continuous) or in partial days (intermittent) with a minimum of 4-hour increments


The 2023 enrollment period for the NH PFML individual plan begins January 1, 2023, and continues through March 2, 2023, and annually thereafter. 
You can apply for benefits using an on-line application or by calling the NH PFML call center.
 

How much does New Hampshire Paid Family and Medical Leave (NH PFML) cost?

Your employer may be sponsoring coverage, check with your employer about availability and cost of NH PFML.
If your employer is not sponsoring NH PFML insurance or an equivalent plan, you may be eligible to purchase a NH PFML individual plan. 

If I have more than one job do I need more than one New Hampshire Paid Family and Medical Leave (PFML) plan?

Just like car insurance, if you have more than one car you need insurance on each car. If you have more than one job, you may want a NH PFML Insurance plan for each job to cover the wages from each job.
Link to benefit calculator
Example:

  • Paula has 2 jobs and contributes to NH PFML plans under each of her employers.
  • Paula works full-time as a receptionist at a Dental Office Monday-Friday 8 a.m. – 4:00 p.m.
    • 40 hours a week
  • Paula works part-time at a Bed and Breakfast Monday-Thursday 6 p.m. – 8 p.m., and Friday 6 p.m. – 10 p.m.
    • 12 hours a week
  • Paula’s son broke his leg and needs outpatient surgery.
  • He will be laid up for a week from 2/6/22 – 2/10/22
    • Paula had previously met her 7-day waiting period while utilizing NH PFML helping her son get to his pre-op appointments 
      • 1/23/23 – 1/31/23
    • Paula still has 6 weeks of NH PFML benefits remaining under both of her employer-sponsored NH PFML plans
  • Paula could qualify for the following:
    • Benefits under the dental office – Paula could qualify for benefits for a full week as certified by her son’s Health Care Provider under her Dental Office employer-sponsored NH PFML plan
    • Benefits under the B&B – Paula could qualify for benefits for a full week as certified by her son’s Health Care Provider under her B&B employer-sponsored NH PFML plan
  • Paula will qualify for benefits the first week while her son needs full attention, from 2/6/22 - 2/10/22.  
    • Paula’s normal weekly income between her Dental Office and B&B jobs equates to $720 weekly
      • Dental office: $15 x 40 hours = $600 weekly
  • Paula would be eligible for 60% wage replacement while utilizing PFML
  • 60% of $600 equates to a PFML benefit amount of $360
    • B&B: $10 x12 hours = $120 weekly
  • Paula would be eligible for 60% wage replacement while utilizing PFML
  • 60% of $120 equates to a PFML benefit amount of $72
  • Paula’s NH PFML benefit would be a combined total of $432
    • $360 from her Dental Office employer sponsored NH PFML plan
  • $72 from her B&B employer-sponsored NH PFML plan
  • Paula now has 5 weeks of PFML remaining and needs to be available to take her son to the doctor and physical therapy as part of his post-op care.
    • Her son’s Health care provider has certified 8 intermittent hours per week for 5 weeks
      • Paula could be eligible for up to 5 weeks of NH PFML leave under her Dental Office employer sponsored NH PFML Plan
      • Paula will utilize a total of 40 hours of intermittent time (1 week)
      • Paula will have 4 weeks of NH PFML benefits remaining for future use under her Dental Office employer sponsored NH PFML Plan following he intermittent leave
      • Paula is eligible to receive $72 weekly for her Dental office employer sponsored NH PFML Plan:
  • 8 hours x $15 = $120
  • 60% of $120 = $72 per week under the Dental Office employer-sponsored NH PFML plan
    • Her son’s appointments do not interfere with her normal working schedule at the B&B
      • Paula will not qualify for NH PFML under her B&Bs employer sponsored NH PFML Plan
      • Paula will continue to have 5 weeks of PFML time remaining for future use under her B&B employer sponsored NH PFML Plan.

What if I change jobs and my new employer does not offer New Hampshire Paid Family and Medical Leave (NH PFML)?
 

If your new employer does not provide a NH PFML insurance plan or an equivalent plan, you can purchase NH PFML individual insurance within 60 days of your termination date. If you miss the 60-day window, you can apply during the general open enrollment period each year if you continue to work for a NH employer that does not offer NH PFML coverage.
 

What if I have a New Hampshire Paid Family and Medical Leave (NH PFML) individual  plan and my employer chooses to offer New Hampshire Paid Family and Medical Leave (NH PFML)? 

If your employer chooses to offer a NH PFML insurance plan through MetLife, the State's insurance partner, after you have already purchased NH PFML individual coverage, you will get a letter from MetLife alerting you that your individual coverage will end and your coverage will be aligned to your employer’s plan.  
Any premiums paid in advance by the worker would be pro-rated and refunded.

If I change jobs, can I keep my New Hampshire Paid Family and Medical Leave (NH PFML) benefits?

If you change jobs, please ask your new employer if they have a NH PFML insurance plan. If they do, then you should ask to be covered under their plan and contact MetLife to update your employer details. You will get a letter from MetLife alerting you that your individual coverage will end and your coverage will be aligned to your employer’s NH PFML plan.  Any premiums paid in advance by the worker would be pro-rated and refunded.
 If you do not have a NH PFML plan, contact MetLife to update your employer information on your NH PFML individual plan.

Will New Hampshire Paid Family and Medical Leave (NH PFML) protect my job?

Large Employers (50 or more workers) that sponsor NH PFML insurance for 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. Small Employers (Less than 50 workers) are not required to restore a worker to their prior position. Workers employed with a Small Employer are strongly encouraged to coordinate NH PFML leave with their employer and discuss the status of their position prior to taking leave.