This is a crucial time for your clients, where they are going to decide how they can administer MA PFML for their employees. One way to offer them guidance is by helping them understand the differences between managing paid leave on their own vs. using a private MA PFML plan.

These are important factors to help your clients consider:

Going it alone

If your client does not have a single  source for their disability, Family Medical Leave and MA PFML, they might encounter:

  • Multiple points of contact, for both the employer and employee
  • Higher risk of non-compliance
  • Increased workload due to claims processing
  • No continuity with other paid leave types

 

Using a private MA PFML plan

If your client chooses a private MA PFML plan like the one offered by Guardian, they may encounter:

  • A single point of contact for all paid leave types, including short- and long-term disability
  • Assured compliance, thanks to ongoing regulatory updates and guidance
  • Efficient claims management performed by tenured professionals who also specialize in optimal return-to-work outcomes
  • Assistance with adjusting Short Term and Long Term Disability plans to integrate with the PFML plan

 

More answers to the most frequently asked MA PFML questions

From key deadlines to employee eligibility, read more about what you need to know in our FAQ

 

Does your client need someone to manage it all? Guardian can help.

We partner with businesses to help them more efficiently implement and manage PFML, streamline administration, and enhance compliance.  If you have clients who are interested in private MA PFML plans, we can give you the information you need to help facilitate the process.

Request a quote today

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Disclaimer

This information is for broker/agent use only. Not for use with the general public. 

1Guardian Webinar, Ready, Set, Go Live! Preparing for the start of MA PFML, July 2020.  All terms of coverage, including benefits, eligibility, coverage limitations and exclusions under Guardian’s Massachusetts Paid Family and Medical Leave plan (MA PFML) will comply with the MA PFML law and regulation. Any optional riders and/or features which may be available may incur additional costs. Plan documents are the final arbiter of coverage.

The MAPFL regulations continue to be subject to updates by the state, with temporary income replacement to eligible workers currently scheduled to commence as of January 1, 2021.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.  GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America

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