Maine Paid Family and Medical Leave Insurance

Maine employers can access disability benefits through a private plan that meets the requirements of the Maine Paid Family and Medical Leave Insurance program.

Coming Soon for Maine Employees

Arch Insurance Group Inc., a market leader in statutory disability and paid family leave markets, may provide private plan insurance to Maine employers who wish to use an alternative to the state program.

Maine 2023 Public Law Chapter 412*

Maine’s Paid Family and Medical Leave (PFML) program was enacted July 11, 2023, through 2023 Public Law Chapter 412, Part AAA. The law, which was effective October 25, 2023, will provide up to 12 weeks of paid leave for all eligible employers and their employees. Federal employers and their employees are exempt. Employees who earned at least six times the state average weekly wage (SAWW) over the prior four quarters prior to taking leave are eligible. Leave may be taken on a continuous, intermittent or reduced schedule basis. Employers with fewer than 15 employees are exempted from employer share of contributions but still must withhold 50% of premium from employee wages. Benefits are tiered based on the SAWW — the first 50% of the SAWW is replaced at 90% and the balance is replaced at 66% up to the SAWW maximum.

* Maine PFML program information is subject to change.

What’s Covered Under Maine’s PFML Program?

Under the Maine PFML program, an eligible employee may take time away from work for:

  • Family leave: To care for a new child (birth, adoption, fostering) or to care for a family member with a serious health condition.
  • Medical leave: To care for one’s own medical needs.
  • Safe leave: For victims of domestic abuse.
  • Military deployment: For emergencies related to military deployment (qualifying exigency).

Visit Maine’s Paid Family and Medical Leave website.

Timetable for Maine PFML

Date (subject to change)requirement
Spring 2024Rulemaking process begins.
Jan. 1, 2025*Rules adopted by Maine Department of Labor. State plan contributions begin.
May 1, 2026*Benefits are set to begin.
*Proposed Dates

State Plan Benefit Duration

Under the state plan, up to 12 weeks of combined total leave may be taken within a benefit year.

Equivalent Private Plan Details

Maine employers may apply for private plan exemption with the state. The private plan may be self-funded or fully insured and must be substantially equivalent to the state plan. Employers who wish to use a private plan must obtain state approval. 

Employers with approved private plans will not be required to make state plan contributions. Employers may require employee contributions up to 50% of the cost of the program, and this amount may not be more than is required under the state plan.

Maine PFML Product Sheet

Learn more about Maine’s paid family and medical leave law and the current coverage options it provides.

Download PDF

Contact Us


Disability General Mailbox

Corporate Contact

Thomas Foschino

VP, Accident and Health

+1 646 563 5517

[email protected]

Sales Contact

Julie Lung

Business Development Manager

+1 720 457 0510

[email protected]

Underwriting Contact

Jim Iannicelli

Assistant Vice President, Disability Underwriting

+1 201 743 3937

[email protected]


Insurance coverage is underwritten by a member company of Arch Insurance Group Inc. This is only a brief description of the insurance coverage(s) available under the policy. The policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions.