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.