Vermont

Understanding paid leave

Vermont provides paid medical leave (PML) and paid family leave (PFL). The program is called Vermont Family and Medical Leave Insurance (FMLI). It includes State of Vermont employees and has been expanded to include other private and non-state public employers on a voluntary basis.

Vermont FMLI: Coverage and cost

Learn about your state rules and eligibility.

Coverage options

The state plan is available for most Vermont state government employees. Private employers and non-state public employers may choose to provide this coverage; however, they are not mandated to provide coverage.

Employer coverage

Vermont state government employees — coverage provided by the state (beginning July 2023).

Expanded in July 2024 to include other private and non-state public employers with two or more employees on a voluntary basis.

Expanding in July 2025 to include small employers with one employee and eligible individual employees, including self-employed individuals.

Employers may choose to offer FLMI or a standalone Family Leave Insurance (FLI) plan. Employer has flexibility to determine how a FLMI plan can "top up" and/or wrap around other existing employee benefits the employer may offer.

Employee eligibility

The State of Vermont provides FLMI to most state government employees. Employee must have been an employee of the State of Vermont for at least one year since their most recent date of hire.

Employees of Vermont's private employers and other non-state public employers with two or more employees may choose whether or not to participate.

Leave reasons

PML: Employee's own serious health condition (including birth of a child).

PFL: Caring for a family member, bonding, qualifying exigency and caring for a service member.

Job protection

Vermont FMLI does not provide job protection.

PFML benefits

Benefit percentage:

  • VT state government employees' plan: 60% of employees average weekly wage, capped at the taxable wage base.
  • Employer opt-in plan: 60-70% of income with additional underwriting options.

Maximum weekly benefit: $1,945.38.

Waiting period:

  • PML: 7-day elimination period.
  • PFL: No elimination period.

Maximum duration: 

  • VT state government employees' plan: 6 weeks of paid leave in a 52-week period.
  • Employer-opt in plan: benefit duration options of six to 26 weeks per 52-week period.

Cost

Employees: No cost to state employees. For employees other than State of Vermont government, the cost may be 100% employer-paid, shared with the employee or 100% employee-paid.

Employer: State of Vermont government, the program is funded 100% by the employer. For other employers, the employer may pay all, share in the cost with employee or the employee may pay all.

Program timeline

Program (state employees) began: July 1, 2023

Program (private/non-state public employees) began: July 1, 2024

Program (1 employee/self-employed, individual) begins: July 1, 2025

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How Colonial Life can help

Colonial Life offers a choice of disability insurance plans that can complement benefits for Vermont and help bridge coverage gaps. Reach out to our sales representatives to learn more about our disability solutions.