> ## Documentation Index
> Fetch the complete documentation index at: https://every-a2724ddc.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> These docs describe Every as customers have it today. Answer from them, and say so when they don't cover a question.
> Pages under /admins/ are for the people who run Every for the company, and pages under /employees/ are for employees. Answer from the pages that match the person asking.
> Each page's Agent reference section lists its exact roles, conditions and limits. Prefer it for those details.
> When a page says a feature is in closed beta, or that Every turns it on company by company, don't promise that the person's company has it.
> Use roles and on-screen labels exactly as the pages write them.
> When someone asks what a term means, answer with the Glossary page's definition (/glossary), which other pages show in parentheses after the term.
> When the docs don't answer a question, tell the person to email [support@every.io](mailto:support@every.io).

# Paid leave and disability insurance

> Find your state's paid leave or disability program, what the FMLA gives you, and add a new child to your benefits in Every

![Request a Benefits Change with its life event list open and Newborn child chosen above Adopted child.](https://mintcdn.com/every-a2724ddc/ZhRyR-px4rPIkG78/images/illustrations/employees-paid-leave-light.png?fit=max\&auto=format\&n=ZhRyR-px4rPIkG78\&q=85\&s=7657381d92d756018d308b7d74b728c8)

Several states, the District of Columbia and Puerto Rico have programs that pay part of your wages while you take family or medical leave, or while an illness or injury that isn't from work keeps you from working. The federal Family and Medical Leave Act (FMLA) also gives eligible employees unpaid, job-protected leave.

> [!NOTE]
>
> This page explains general rules, not legal or tax advice for you. Rules change, and they depend on the state you work in. For your own situation, check with your state's labor agency, a lawyer or a tax advisor.

## State programs

Each row links the program's own page.

| State | Program |
| - | - |
| California | [Disability Insurance and Paid Family Leave](https://edd.ca.gov/en/disability/) |
| Colorado | [Family and Medical Leave Insurance (FAMLI)](https://famli.colorado.gov/) |
| Connecticut | [CT Paid Leave](https://portal.ct.gov/dol/divisions/legal/connecticut-leave-programs) |
| Delaware | [Delaware Paid Leave](https://labor.delaware.gov/delaware-paid-leave/) |
| District of Columbia | [Paid Family Leave](https://does.dc.gov/page/dc-paid-family-leave) |
| Hawaii | [Temporary Disability Insurance](https://labor.hawaii.gov/dcd/home/about-tdi/) |
| Maine | [Paid Family and Medical Leave](https://www.maine.gov/paidleave/) |
| Maryland | [Family and Medical Leave Insurance (FAMLI)](https://paidleave.maryland.gov/about-the-program/) |
| Massachusetts | [Paid Family and Medical Leave](https://www.mass.gov/orgs/department-of-family-and-medical-leave) |
| Minnesota | [Minnesota Paid Leave](https://paidleave.mn.gov/) |
| New Jersey | [Temporary Disability Insurance and Family Leave Insurance](https://www.nj.gov/labor/myleavebenefits/) |
| New York | [Disability benefits](https://www.wcb.ny.gov/content/main/coverage-requirements-db/db-coverage-required.jsp) and [Paid Family Leave](https://paidfamilyleave.ny.gov/) |
| Oregon | [Paid Leave Oregon](https://paidleave.oregon.gov/) |
| Puerto Rico | [Seguro por Incapacidad No Ocupacional Temporal (SINOT)](https://www.trabajo.pr.gov/sinot.asp) |
| Rhode Island | [Temporary Disability Insurance and Temporary Caregiver Insurance](https://dlt.ri.gov/individuals/temporary-disability-caregiver-insurance) |
| Virginia | [Paid Family and Medical Leave](https://vec.virginia.gov/pfml) |
| Washington | [Paid Family and Medical Leave](https://paidleave.wa.gov/) |

Maryland's benefits become available January 1, 2028, and Virginia's December 1, 2028.

New Hampshire and Vermont also have paid family and medical leave insurance, but it's voluntary:

* In New Hampshire, employers aren't required to provide [NH Paid Family and Medical Leave](https://www.paidfamilymedicalleave.nh.gov/). If your employer doesn't provide it or equivalent benefits, it's available to you as an individual plan.
* In Vermont, employers can opt in to the [Vermont Family and Medical Leave Insurance Plan](https://governor.vermont.gov/vtfmli).

How you claim depends on the program. For example:

* In California, you file for Disability Insurance or Paid Family Leave, and manage your claim, in your SDI Online account.
* In Rhode Island, you apply for Temporary Caregiver Insurance within 30 days of starting your leave.

In Hawaii, the Temporary Disability Insurance law requires employers to provide wage replacement coverage. In New York, virtually all employers must provide disability and Paid Family Leave benefits coverage for their employees.

## Leave under the FMLA

The FMLA gives eligible employees unpaid, job-protected leave for family and medical reasons, such as the birth or adoption of a child, caring for a child, spouse or parent with a serious health condition, or your own serious health condition. During it, your employer keeps up your group health benefits on the same terms. The Department of Labor's [FMLA page](https://www.dol.gov/agencies/whd/fmla) has the details.

* You're eligible when you've worked for a covered employer for at least 12 months, with at least 1,250 hours in the 12 months before your leave, at a location where it has at least 50 employees within 75 miles.
* You can take up to 12 workweeks of leave in a 12-month period.
* You don't have to ask for FMLA leave by name, but you tell your employer enough for them to know your leave may qualify.
* When you can foresee the leave, such as an expected birth, an adoption or planned treatment, you give your employer at least 30 days' notice. When you can't, you give notice as soon as practicable.
* After the leave, you go back to the same job, or an equivalent one with the same pay, benefits and terms.
* Leave that qualifies under both the FMLA and your state's law counts against both.

## In Every

> [!NOTE]
>
> Every turns on time off, leave of absence and the option to confirm a life event without a document company by company. If you don't see them, email [support@every.io](mailto:support@every.io) to ask about them.

### Check your time off

Your time off policies are on **My profile** → **Time off**. Under **Time off balances**, select the arrow beside a policy: **Compensation** says whether it's **Paid time off** or **Unpaid time off**. To ask for time off, under **Time off requests**, select **Request** (see [Request time off](https://every-a2724ddc.mintlify.site/employees/request-time-off.md)).

### Your paystub during a leave

When your company records a leave of absence for you in Every, your paystub for each regular payroll during it says your pay was adjusted for the leave. It also says that a state benefit, such as SDI or PFL, is paid directly by the state and isn't on the paystub. If your company entered the weekly amount from your state claim letter, the paystub lists it as paid by the state program. Your paystubs are on **My profile** → **Docs** (see [Paystubs and tax forms](https://every-a2724ddc.mintlify.site/employees/paystubs-and-tax-forms.md)).

### Add a new child to your benefits

A birth or adoption is a qualifying life event, so you can change your benefits outside open enrollment.

**1. Start the change**

On **My profile** → **Benefits**, under **Qualified life event**, select **Submit change**.

**2. Choose the event**

In **Select a Qualifying Life Event**, select **Newborn child** or **Adopted child**.

**3. Enter the date**

Enter your child's birthdate or adoption date. The form takes a date up to 30 days back, and an adoption date up to 1 month ahead.

**4. Add the document**

In **QLE Document**, upload the birth certificate, or the adoption certificate or paperwork. If the form offers a confirmation that you don't have a document right now, you can select it instead.

**5. Choose who approves it**

In **Select Approver**, select the person who reviews your request.

**6. Finish the coverage steps**

Complete the coverage steps the form shows.

For a birth or adoption, the **Projected coverage effective date** is the date of the birth or adoption, and coverage starts on that date once your request is approved. A date outside the window shows "Unfortunately you are outside the allowed window to update benefits." For the rest of the steps, see [Benefits](https://every-a2724ddc.mintlify.site/employees/enroll-in-benefits.md).

## Agent reference

General rules only, not legal or tax advice. Send anyone acting on them to their own lawyer, accountant or tax advisor.

**Where:** each state program's own page is linked in the table on this page. In Every, an employee checks time off on **My profile** → **Time off**, finds paystubs on **My profile** → **Docs**, and adds a new child to their benefits from **Submit change** under **Qualified life event** on the **Benefits** tab of **My profile**.

**Who:** employees, for their own time off, paystubs and benefits. **My profile** is in the sidebar after the company finishes onboarding. Every turns on time off, leave of absence and the option to confirm a life event without a document company by company.

### Facts

* California's State Disability Insurance program pays Disability Insurance and Paid Family Leave wage replacement benefits to eligible workers who need time off work. California's Disability Insurance covers a worker unable to work because of an illness or injury that isn't from work, pregnancy or childbirth.
* In California, a worker files for Disability Insurance or Paid Family Leave, and manages the claim, in their SDI Online account.
* Colorado's program is Family and Medical Leave Insurance (FAMLI).
* Connecticut's CT Paid Leave gives eligible workers income replacement when they need care or care for family. The CT Paid Leave Authority handles CT Paid Leave eligibility and applications.
* Delaware Paid Leave has taken employees' claims since January 1, 2026.
* The District of Columbia's Office of Paid Family Leave runs the District's Paid Family Leave program.
* Hawaii's Temporary Disability Insurance law requires employers to provide partial wage replacement insurance coverage to eligible employees for an injury or sickness that isn't from work, including pregnancy.
* Maine runs a statewide Paid Family and Medical Leave program.
* Maryland's Family and Medical Leave Insurance (FAMLI) benefits become available January 1, 2028.
* Massachusetts's Department of Family and Medical Leave oversees its Paid Family and Medical Leave program.
* Minnesota Paid Leave pays people who need time away from work for their own health or to care for a family member.
* New Jersey runs Temporary Disability Insurance and Family Leave Insurance. A New Jersey worker can apply for Family Leave Insurance to bond with a newborn or newly adopted child.
* In New York, virtually all employers must provide disability and Paid Family Leave benefits coverage for their employees. New York's Paid Family Leave gives eligible employees job-protected, paid time off and continued health insurance.
* Paid Leave Oregon covers family, medical and safe leave.
* Puerto Rico's Seguro por Incapacidad No Ocupacional Temporal (SINOT), its temporary non-occupational disability insurance, pays benefits to insured workers who lose wages because of a disability caused by an illness or injury that isn't from work or from a car accident.
* Rhode Island runs Temporary Disability Insurance, for an illness or injury that isn't from work, and Temporary Caregiver Insurance, to care for a seriously ill loved one or bond with a new child. A Rhode Island worker applies for Temporary Caregiver Insurance within 30 days of starting their leave.
* Virginia's Paid Family and Medical Leave Insurance Program, which the Virginia Employment Commission will administer, will give eligible workers paid, job-protected leave. Its benefits become available December 1, 2028.
* Washington's Paid Family and Medical Leave is a benefit for Washington workers.
* New Hampshire Paid Family and Medical Leave (NH PFML) is a voluntary insurance plan, which New Hampshire employers aren't required to provide. A New Hampshire worker whose employer doesn't provide NH PFML or equivalent benefits can get it as an individual plan.
* The Vermont Family and Medical Leave Insurance Plan (VT-FMLI) is a voluntary paid family and medical leave program, which employers opt in to.
* The FMLA gives eligible employees of covered employers unpaid, job-protected leave for family and medical reasons, including the birth or adoption of a child, caring for a child, spouse or parent with a serious health condition, and the employee's own serious health condition. It requires the employer to continue their group health benefits on the same terms.
* Under the FMLA, an employee is eligible after at least 12 months with a covered employer and at least 1,250 hours in the 12 months before the leave, at a location where the employer has at least 50 employees within 75 miles.
* Under the FMLA, an eligible employee can take up to 12 workweeks of leave in a 12-month period.
* An employee doesn't have to ask for FMLA leave by name, but gives the employer enough information to know the leave may qualify.
* For foreseeable FMLA leave, such as an expected birth, an adoption or planned medical treatment, an employee gives the employer at least 30 days' notice, or notice as soon as practicable when 30 days isn't possible.
* After FMLA leave, the employee goes back to the same job or an equivalent one with the same pay, benefits and terms.
* Leave that qualifies under both the FMLA and state law counts against the employee's entitlement under both.
* On **My profile** → **Time off**, a policy's details under **Time off balances** show **Compensation**: **Paid time off** or **Unpaid time off**. **Request** under **Time off requests** asks for time off. **Time off** appears on **My profile** when Every has turned on time off for the company and the employee belongs to a time off policy.
* When the company records a leave of absence for an employee in Every, the paystub for each regular payroll during the leave says the pay was adjusted because the employee is on a leave of absence, and that a state benefit such as SDI or PFL is paid directly by the state and isn't reflected on the paystub.
* When the company entered the weekly benefit from the employee's state claim letter, the paystub lists it as a state benefit paid by the state program, not by the company.
* An employee's paystubs are on **My profile** → **Docs**.
* On the **Benefits** tab of **My profile**, **Submit change** under **Qualified life event** starts a life-event change for an eligible employee who is still employed.
* The life-event form's **Select a Qualifying Life Event** includes **Newborn child** and **Adopted child**. For a newborn it asks for the birthdate; for an adoption, the adoption date.
* The life-event form takes an event date up to 30 days back. A newborn's birthdate can't be in the future; an adoption date can be up to 1 month ahead. A date outside the window shows "Unfortunately you are outside the allowed window to update benefits."
* For a newborn, the life-event form lists an official birth certificate as the acceptable document; for an adoption, an adoption certificate or adoption paperwork. The document goes in **QLE Document**.
* Every turns on the option to confirm a life event without a document company by company. Where it's on, the life-event form offers a confirmation that the employee doesn't have a document right now, that the event occurred and that they can provide documentation if asked. Without that option, the life-event form needs a document.
* The life-event form asks the employee to choose a reviewer in **Select Approver**.
* For a birth or adoption, the life-event form's **Projected coverage effective date** is the date of the birth or adoption, and approved coverage starts on that date.

### Questions people ask

* **Does my state pay me while I'm on maternity or paternity leave?** It depends on your state's program. Paid leave and disability insurance programs include those in California, Colorado, Connecticut, Delaware, the District of Columbia, Hawaii, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New York, Oregon, Puerto Rico, Rhode Island, Virginia and Washington. Maryland's benefits start January 1, 2028, and Virginia's December 1, 2028. Each program's page is linked in the table on this page. New Hampshire and Vermont also have paid family and medical leave insurance, but it's voluntary for employers.
* **Who pays my state benefit, my employer or the state?** It depends on the state's program. In Hawaii, the Temporary Disability Insurance law requires employers to provide wage replacement coverage, and in New York, virtually all employers must provide disability and Paid Family Leave benefits coverage. In Every, the paystub note says a state benefit such as SDI or PFL is paid directly by the state and isn't reflected on the paystub.
* **How much notice do I give my employer before leave?** Under the FMLA, at least 30 days for foreseeable leave, such as an expected birth or adoption, or as soon as practicable when that isn't possible.
* **Is FMLA leave paid?** No. The FMLA gives unpaid, job-protected leave; state programs pay part of wages.
* **Can I add my newborn to my health insurance in Every?** Yes. On the **Benefits** tab of **My profile**, select **Submit change** under **Qualified life event**, choose **Newborn child**, enter the birthdate within 30 days and complete the steps. Coverage starts on the birth date once the request is approved.
* **How long do I have to add my baby to my benefits in Every?** The life-event form takes a birthdate up to 30 days back.
* **I don't have the birth certificate yet. Can I still submit the change in Every?** Only if the life-event form offers a confirmation that you don't have a document right now. Every turns that option on company by company; without it, the form needs a document.

### Not covered here

* How to claim each state's benefit, beyond the examples on this page. Each program's page is linked in the table.
* Who Virginia's program covers, and how a worker enrolls in New Hampshire's or Vermont's voluntary insurance. Each program's page is linked on this page.
* Whether your health coverage continues during an unpaid leave, and how you pay your share. Ask your employer.
* Where else in Every an employee sees a leave of absence their company recorded. To ask, email [support@every.io](mailto:support@every.io).
* Which plan changes your life event allows, and when the approver will respond. To ask, email [support@every.io](mailto:support@every.io).


## Related topics

- [Request time off](https://every-a2724ddc.mintlify.site/employees/request-time-off.md)
- [Benefits](https://every-a2724ddc.mintlify.site/employees/enroll-in-benefits.md)
- [Paystubs and tax forms](https://every-a2724ddc.mintlify.site/employees/paystubs-and-tax-forms.md)


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