Paid Family and Medical Leave (PFML)

Minnesota

Department of Employment and Economic Development (DEED)

Effective: 01/01/26
Last updated: 06/17/2025

State website: www.mn.gov/deed/paidleave

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Minnesota Paid Family and Medical Leave (MN PFML) Plan Details

Summary:
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State or private plan: insured or self-insured.

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Mandatory coverage: Applies to all public and private employers in Minnesota, except the federal government, independent contractors, and the self-employed. Independent contractors and the self-employed may opt into the state plan.

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Waiting period: None.

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Benefit duration: 12 weeks for Minnesota paid medical leave (MN PML); 12 weeks for all other Minnesota paid family leave (MN PFL).

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Total combined maximum duration: 20 weeks per benefit year.

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Maximum benefit: The state average weekly wage (SAWW); in 2024, it is $1,337.

 
Coverage details
  • State or private plan.
  • Private plans may be insured or self-insured and must provide benefits equal to or greater than the state plan.

Symetra will offer an insured MN PFML plan for employers with group life or disability coverage through Symetra.

Covered employers

All employers with one or more eligible employees working in Minnesota are eligible, including the state, state agencies, municipalities, districts and local government entities (excluding the federal government and the self-employed). The self-employed may opt into the state plan.

Covered individuals

Covered individuals include all employees who have earned wages of at least 5.3% of the state average annual wage (SAWW) over the base period, rounded down to the next lower $100.

Covered individuals may also include self-employed individuals and independent contractors who have opted into the state program.

Who have opted into the state program.

Covered individuals do not include seasonal employees, employed for no more than 150 days during any consecutive 52-week period.

Contribution amount

The total contribution rate for the Minnesota PFML program is 0.88% of taxable wages, capped at 1.2% of taxable wages, effective January 1, 2026. Rates are subject to annual adjustment beginning in 2027.

This rate applies to employers participating in the state plan and is shared equally between employers and employees:

  • Employers pay 50% of the total contribution (0.44%).
  • Employees pay 50% of the total contribution (0.44%), unless the employer chooses to cover more or all of the employee share.
  • Wages subject to contributions are capped at the federal Social Security wage base ($176,100 for 2025).
  • Contributions to the state prior to the start of the program were not required. This was made possible by the state's budget surplus of $670 million.

Alternate contribution rates for partial private plan participation (2026):*

    • 0.61% of taxable wages: Employer uses the state medical plan and a private family plan.
    • 0.27% of taxable wages: Employer uses the state family plan and a private medical plan.
    • Employers with fewer than 30 employees may qualify for a reduced employer share.
    • Private plan rates may differ but cannot require employees to pay more than they would under the state plan.

*Symetra only offers fully insured MN PFML

Waiting period

None. However, the first day of leave is paid retroactively for medical and family leaves after meeting a seven-day qualifying event requirement. The seven-day qualifying event must be consecutive unless the leave is intermittent.

Exception: Bonding claims are paid on day one.

Benefit calculation
  • 90% of the employee’s average weekly wages that is equal to or less than 50% of the state average weekly wage (SAWW); PLUS
  • 66% of the employee’s average weekly wages that is more than 50% of the SAWW, up to 100% of the SAWW; PLUS
  • 55% of the employee's average weekly wages that is more than 100% of the SAWW.
Maximum weekly benefit amount

The state average weekly wage (SAWW).

Minimum weekly benefit
amount

Not applicable.

Other income amount offsets

Employees cannot be required to use accrued sick, vacation or personal time while taking PFML leave.

Vacation pay, sick pay, PTO and disability insurance benefits may be used in place of PFML or to supplement PFML. If used in place of PFML, the employee is still entitled to employment protections.

Receipt of an employer-provided supplemental benefit while receiving PFML is permitted but may not exceed 100% of the employee's average weekly wage.

An employee is not eligible for PFML benefit when receiving:

  • Workers' compensation benefits
  • Unemployment benefits
  • Separation pay, severance pay, bonus pay, or any other payments paid because of separation from employment
Maximum duration: Medical leave

12 weeks, including the waiting period(s).

Maximum duration: Family leave

12 weeks, including the waiting period(s).

Maximum duration: Combined medical and family leave

20 weeks in a benefit year, including the waiting period(s).

Frequently asked questions

Important information

 

 

Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004.

First Symetra National Life Insurance Company of New York, New York, NY. Mailing address: P.O. Box 34690, Seattle, WA 98124.

Symetra Life Insurance Company is a direct subsidiary of Symetra Financial Corporation. First Symetra National Life Insurance Company of New York is a direct subsidiary of Symetra Life Insurance Company and is an indirect subsidiary of Symetra Financial Corporation (collectively, “Symetra”). Neither Symetra Financial Corporation nor Symetra Life Insurance Company solicits business in the state of New York and they are not authorized to do so. Each company is responsible for its own financial obligations.

Symetra® is a registered service mark of Symetra Life Insurance Company.

Symetra assumes no responsibility for the accuracy or timeliness of any information provided herein. The information contained herein is for informational purposes only and is not legal advice or a substitute for legal counsel. We recommend employers speak with legal counsel specializing in labor and employment law to ensure compliance with applicable PFML and PFL mandates.

The information on this page was updated as of August 2025.