Colorado Paid Family and Medical Leave
The Colorado Paid Family and Medical Leave Insurance (FAMLI) Program, allows workers to take paid time off for a serious health condition or to care for family members and provides job protection during approved leaves.
The CO FAMLI program allows employers to use private plans, either self-funded or fully insured, through state-approved insurance carriers.
To help ensure an optimal experience for employees, business must choose between the state-run plan, or a private plan for their Colorado Paid Family and Medical Leave (CO PFML) coverage. If your business is considering a private plan, find information below to assist you in meeting your obligations as a Colorado employer.
What is Guardian doing?
Guardian has a private plan option to assist covered employers in meeting their obligation to provide Colorado's state mandated PFML coverage. Our product offering is fully insured, state-approved, and competitively priced. Plus, our digital capabilities can make administration easier — with online claims submission and access to bills, policies, and reports.
You can count on:
Dedicated support to file a private plan exemption with the state.
Assistance with adjusting Short Term Disability (STD) and Long Term Disability (LTD) plan designs to integrate with a PFML plan.
A single point-of-contact for disability and/or paid leave claims inquiries.
Experienced claims management by tenured professionals, including safe and effective return to work support.
Updates on new regulations and ongoing guidance to keep you compliant.
Please contact your Guardian group sales consultant or broker for quoting requirements and additional information concerning a CO PFML private plan option through Guardian.
Guardian can help you manage it all
Effective employee leave management is key to ensuring your business remains compliant with state laws, helping you avoid costly fines.
Guardian has provided employers with statutory disability plans for more than a decade, taking a consultative approach to bring resources together for successful PFML plan implementation and management, no matter the level of complexity. Our management of PFML plans help ensure that any human resources team can meet the challenge of efficiently managing employee leaves while helping to ease administrative burden and enhancing compliance. Our plans are fully insured, state-approved, and backed by digital capabilities designed to help make administration easier.
Further, our Guardian absence management solutions can help reduce the administrative burden and enhance compliance with the integrated management of STD and LTD benefits, state and federal family medical leaves, and company leaves. Available to companies with 50 or more employees, employers can choose from a variety of plans and service options, including ADA support.
The State of Colorado with the Division of Family and Medical Leave is currently developing its PFML regulations, including specifics on how its program will be implemented. Leave and wage replacement benefits available to eligible Colorado workers is currently scheduled to commence on January 1, 2024. All terms of coverage, including benefits, eligibility, coverage limitations and exclusions under Guardian’s Colorado Paid Family and Medical Leave plan (CO PFML) will comply with CO PFML law and regulation. Any optional riders and/or features which may be available may incur additional costs. If there is a discrepancy between this document and the Certificate/Group Policy issued by The Guardian Life Insurance Company of America, the Group Policy will govern.
Group insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.
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Guardian Absence SolutionsSM is a service mark of The Guardian Life Insurance Company of America.