Minnesota Paid Family and Medical Leave
Minnesota has enacted a Paid Family and Medical Leave (PFML) Insurance Program, with an effective date of January 1, 2026, for both the collection of contributions for covered individuals and benefit payments.
Guardian will be offering a fully-insured private plan. Details regarding the private plan application process will be forthcoming.
The MN PFML program allows employers to meet their compliance obligations by either choosing to provide coverage through the state plan or a private plan. The private plan may be either self-funded or fully insured through a state-approved insurance carrier. State approval is required.
Considering a private plan? Learn more here.
Guardian is developing a private plan option to assist covered employers in meeting their obligation to provide Minnesota PFML coverage.
Our product offering will be 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
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 helps 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.