Workers
Paid time off when you need it most.
How it Works
NH Paid Family and Medical Leave (NH PFML) is a voluntary insurance plan that provides NH workers with 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.
NH PFML insurance coverage is available to you in one of two ways:
- Enrollment in your employer’s NH PFML group plan, if provided
- Enrollment in the NH PFML individual plan, if your employer does not provide NH PFML or equivalent benefits
Eligibility
You are eligible for NH PFML insurance if:
- You are designated as working for a NH employer and report wages to NH for unemployment purposes
- You are employed full-time or part-time
Self-Employed and Sole Proprietors
Self-employed and sole proprietors can enroll in the NH PFML individual plan if they work for themselves, pay themselves W-2 compensation and do not employ any other person. If a sole-proprietor employs more than one person, however, and pays W-2 compensation to themselves and their workers, they are considered an employer and can purchase a group policy. If a sole-proprietor uses business profits as income, MetLife will need to have proof of wages similar to W-2 workers to define the average weekly wage to calculate the NH PFML benefit.
If your employer provides NH PFML insurance coverage for you, it will include:
- 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
- Up to 6-weeks or 12-weeks of wage replacement benefits, depending on your employer’s plan
- Full day, reduced schedule or partial day leaves (minimum of 4-hour increments)
- A single unpaid work week before benefits may be paid
Enrollment in an Employer Group Plan
Your employer has the option to pay the full cost of the NH PFML insurance premium or share the cost with their covered workers.
- If your employer is paying the full cost: you will be enrolled automatically in your employer’s group plan.
- If your employer is sharing the cost with covered workers: you will have the choice to participate or decline coverage during your employer’s open enrollment process.
Workers who decline coverage in their employer’s NH PFML group plan will not be able to purchase coverage through the NH PFML individual plan.
If your employer does not provide NH PFML insurance or equivalent benefits you may purchase NH PMFL insurance coverage for yourself. The cost of your premium will be determined during the enrollment process, however, per state law, the premium will not be more than $5 per week.
Coverage in the individual plan includes:
- Paid family and paid medical leave together in a single insurance policy
- 60% wage replacement (up to the Social Security wage cap)
- Up to 6 weeks of wage replacement benefits per benefit year (not including the elimination period)
- Full day, reduced schedule or partial day leaves (minimum of 4-hour increments)
- A single unpaid work week before benefits may be paid, if applicable
- A 7-month waiting period before a claim may be submitted
Workers can request a quote during the annual NH PFML open enrollment period by calling the MetLife Customer Solution Center at 1.866.595.PFML (7365) or using the MetLife Quote Calculator for Workers.
Submitting a Claim
Workers enrolled in an employer group plan or the individual plan submit claims for NH PFML benefits directly to MetLife. Employers are required to provide MetLife with the enrollee’s work schedule, wage and leave information, and other benefits information to support the processing of claims.
Additional information about the claims process can be found in either of the Worker Toolkits.
Worker Toolkit
The Worker Toolkit provides general information about NH PFML insurance that is provided through an employer's NH PFML group plan or the NH PFML individual plan.