• Eligible employees can take paid leave up to 12 weeks (up to 4 additional weeks if complications due to pregnancy or childbirth) for the following reasons:

    • Bonding after birth, adoption or foster placement of a child
    • Care for family member with a serious health condition
    • Qualifying military exigency
    • Safe leave due to domestic violence, stalking, sexual abuse or assault
    • An employee’s own serious health condition
  • CO PFML requires employers providing the mandated PFML coverage using the state program to begin payroll deductions starting January 1, 2023. Contributions for the state program are 0.9% with employees and employers equally contributing 0.45% each (if the employer has 10 or more employees) up to a state maximum based on the social security wage index and can be a combination of payroll deductions and employer contributions.

  • Employers can participate in the state-run program or they can self-insure or fully insure a private PFML plan.  If an employer opts out of the state program, the private coverage they choose to provide must:

    • Be approved by the state of Colorado
    • Meet or exceed the requirements of the state program
    • Costs employees no more than the state plan
  • An employer must provide written notice to all eligible employees of their duties and rights under the CO PFML program.  The notice must be provided to an employee in the language the employer typically uses to communicate with the employee.   

  • Guardian is currently assessing our ability to have product offerings for CO PFML. The state of Colorado with the Division of Family and Medical Leave is currently developing its PFML regulations, including specifics on how its program will be implemented.  We are actively collaborating with the state of Colorado, monitoring all developments as they become available. We help keep our customers and brokers informed every step of the way. 

  • Effective employee leave management is key to ensuring your business remains compliant with state laws, helping you avoid costly fines.

    Guardian has provided employers with statutory disability plans for more than a decade, taking a consultative approach to bring resources together for successful PFML plan implementation and management, no matter the level of complexity. Our management of PFML plans help ensure that any Human Resources team can meet the challenge of efficiently managing employee leaves while helping to ease administrative burden and enhancing compliance.  Our plans are fully insured, state-approved, and backed by digital capabilities designed to help make administration easier.

    Further, our Guardian absence management solutions can help reduce the administrative burden and enhance compliance with the integrated management of STD and LTD benefits, state and federal family medical leaves, and company leaves. Available to companies with 50 or more employees, employers can choose from a variety of plans and service options, including ADA support.

    To learn more about Guardian leave management services, reach out to your Guardian group sales consultant or broker.


The State of Colorado with the Division of Family and Medical Leave is currently developing its PFML regulations, including specifics on how its program will be implemented. Leave and wage replacement benefits available to eligible Colorado workers is currently scheduled to commence on January 1, 2024.  

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America. ©Copyright 2021The Guardian Life Insurance Company of America.

2021-119231 20230430