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

Minnesota Paid Family and Medical Leave (MN PFML) Plan Details
Summary:
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 |
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:
Alternate contribution rates for partial private plan participation (2026):*
*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 |
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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:
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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
Is coverage continued after termination of employment?
Yes, for up to 26 weeks after separation, if the individual meets eligibility requirements.
What are the qualifying leave reasons?
The qualifying reasons for MN PFML include all of the following reasons:
- To bond with a child during the first 12 months* after the child’s birth, adoption or foster care placement.
- To care for a family member’s serious health condition.
- For a qualifying exigency.
- For the purposes of safety leave.
- To attend to the covered individual’s own serious health condition.
Caveat: For bonding, if the child is hospitalized longer than the mother, leave will end within 12 months after the child leaves the hospital.
What is the definition of family member?
Family member means the following:
- A spouse or domestic partner.
- A child, including biological, adopted, foster, stepchild, child of a domestic partner, or a child to whom the applicant stands in loco parentis, is a legal guardian, or is a de facto custodian.
- A parent or legal guardian of the applicant.
- A sibling.
- A grandchild.
- A grandparent or spouse’s grandparent.
- A son-in-law or daughter-in-law.
- An individual with a personal relationship with the applicant that creates an expectation and reliance that the applicant care for the individual without compensation, whether or not they reside together.
What is the taxable wage base?
The Average Weekly Wage for contributions is capped at the Social Security maximum and is updated annually.
What is the State Average Weekly Wage?
Used to calculate benefits; updated annually by the state.
How do we determine the benefit year?
The benefit year is defined as the period of 52 consecutive weeks beginning on the Sunday of the week an application was filed.
However, a private plan may adopt any of the following benefit year calculation methods:
- A calendar year
- Any fixed 12-month period (e.g., fiscal year or measured from first date of employment)
- A 12-month period measured forward from the employee’s first day of leave taken
- A rolling 12-month period measured backward from the employee’s first day of leave taken
Does a relapse period apply to recurrent leaves?
No. Not applicable.
Is payment to the employer allowed for advance payments of benefits?
Yes. Under Symetra’s insured plan, if the policyholder requests reimbursement before making an advance benefit payment, we will send the policyholder any PFML benefits due, or that become due for their advance payment of family or medical leave benefits.
How are benefits prorated?
Benefits are prorated in direct proportion to an employee’s work schedule and leave usage. A covered individual who takes leave in workday increments shall be paid a prorated benefit amount based on the number of workdays of leave taken in the workweek. If some or all of the approved family and medical leave is for a duration of less than a week, the weekly benefit amount will be prorated based on the portion of work missed.
A weekly benefit amount is prorated when:
- The covered individual works hours for wages.
- The covered individual uses paid sick leave, paid vacation leave or other paid time off that is not considered a supplemental benefit payment as defined in the PFML statute and regulations.
- Leave is taken intermittently. Intermittent leave or reduced leave must be taken in increments consistent with the employer’s established policy, allowing a minimum increment of at most one calendar day of intermittent leave.
Is MN PFML leave job protected?
Yes. Employees must be reinstated to the same or equivalent position after leave if they have been employed for 90 calendar days with the employer.
How does accrued paid leave apply to use of MN PFML?
- An employer may not require an employee to use employer-provided paid leave (such as vacation, sick leave or PTO) before the employee files a claim for Paid Family and Medical Leave (PFML) benefits.
- An employee may supplement PFML benefits with employer-provided paid leave only if both the employer and employee agree. In such cases, it is the employer’s responsibility to ensure that the combined total of PFML benefits and paid leave does not exceed the employee’s average weekly wage.
- An employee may also choose to use vacation, sick leave, or PTO instead of PFML benefits, provided they are eligible and have leave available. When this option is used, the employee is still entitled to job protection and other rights under the PFML law for the days covered by the paid leave.
Important information
Filing for a private plan exemption
Employers must submit a private plan application and receive approval before opting out of the state plan. Employers will be able to request an exemption online in the coming months. Required materials:
- Policy number, plan number, and name of insurance carrier.
- A copy of the insurance policy document.
- Coverage effective dates (must provide coverage for a full year).
Payment requirements:
- A nonrefundable application fee.
- A processing fee, which varies by payment method.
Employer private plan reporting requirements
Employers with private plans must submit annual reports including claims data, demographics, benefit usage and seasonal employee classifications.
Former employees
Employees who separate from employment remain eligible for PFML benefits for up to 26 weeks following separation, or until they begin new employment, whichever comes first. Equivalent private plans must continue coverage and pay benefits for approved leave claims filed during this period. Eligibility cannot be terminated mid-leave due to separation.
Private plan reporting requirements
Employers with approved private plans must comply with annual reporting. Beginning Jan. 1, 2027, DEED will publish an annual report including:
- Total eligible claims.
- Number and percentage of claims by benefit category.
- Claimant demographics (age, race/ethnicity, gender, average weekly wage, occupation, leave type).
- Percentage of claims denied and reasons.
- Average weekly benefit amount paid.
- Year-over-year changes in benefits paid.
- Processing times for claims and determinations.
- Average duration of completed cases.
- Number of open cases at year-end.
- Employers approved for seasonal classification and number of seasonal employees.
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.