Insurance
Statutory paid family leave coverage, simplified
A fully insured private plan that satisfies state mandates with seamless statutory coverage. Replace traditional state run funds with modern insurance that offers faster processing and a superior leave experience.
Why it matters
The benefits of paid family leave
Beyond compliance and state filings, statutory leave provides vital security when your people need it most.
Behind every claim is a story of care and family
A first week at home with a newborn. A parent who needs support through medical treatment. A partner recovering from major surgery. Paid family leave allows employees to be present for critical life moments without sacrificing their income.
For employers, offering a seamless private plan is more than meeting a legal mandate. It protects retention, builds trust, and simplifies state compliance. Limemint was built to make this essential benefit effortless for both sides.
For your employees
Financial security when life happens
- Time with a new child without choosing between a paycheck and family
- Take time for your own medical recovery or care for a seriously ill family member with income replacement
- Predictable biweekly payments so critical moments do not create financial stress
- One intuitive platform to file claims and understand exact benefit entitlements
For your business
A retention strategy that meets state mandates
- Stronger retention because employees return to organizations that support them
- Seamless state compliance with all filings and statutory reporting handled automatically
- Turnkey claims adjudication and payroll integration that free up HR resources
- Clear leave data so HR and finance leaders can plan workforce coverage effectively
The basics
How statutory private plans work
Three essential principles to understand when evaluating a private plan alternative to state funds.
Income replacement coverage
Statutory paid leave provides direct wage replacement equal to a percentage of an employee average weekly pay. Job protection remains governed separately by federal FMLA and state leave regulations.
State statutory minimums
Each jurisdiction establishes mandatory rules for covered reasons, benefit duration, and weekly maximum payouts. Private plans must match or exceed these baseline state requirements.
Approved private alternatives
Most state legislation allows employers to fulfill statutory mandates using an approved private insurance plan instead of paying into public state funds. Limemint issues and administers this private coverage.
The Limemint unified solution
The policy and the platform, built as one
You are not buying an insurance policy and then managing it with separate software. Both sides ship together, sharing one set of employee, wage, and claim data.
The insurance
Paid Family Leave coverage
The private plan that satisfies your state mandate, underwritten and filed by us.
- Statutory-equivalent benefits that match the state floor
- Private plan applications and state filings
- Weekly benefit payments and tax handling
The software
Integrated leave management
The platform your HR team and employees actually touch, wired into the same system.
- AI leave agent guiding every request
- HRIS and payroll feeds kept in sync
- One dashboard for status, cost, and compliance
Covered reasons
Qualifying events for statutory leave
Exact requirements vary by jurisdiction, but these are the primary reasons covered across state statutory paid family and medical leave programs.
Bonding with a new child
Time off following the birth, adoption, or foster placement of a child, available to all eligible parents within the first year.
Caring for a family member with a serious health condition
Leave to care for a spouse, domestic partner, child, parent, or covered relative with a state qualifying serious health condition.
Own serious health condition
Income replacement when a personal illness, injury, or pregnancy prevents you from working, as defined by state medical leave laws.
Military exigency
Time off to manage practical and legal affairs when a family member is called to covered active military duty or deployment.
Safe leave
Available in participating states to secure safety and seek medical or legal assistance related to domestic violence, sexual assault, or stalking.
Multi-state employers
A hybrid approach is normal
Private plans are approved state by state, meaning most multi state employers run private plans in certain states and public programs in others. Limemint keeps the entire experience unified under one roof.
One filing calendar
Applications, renewals, and quarterly reporting are tracked automatically per state so compliance never lapses.
One employee experience
Employees submit and track claims in the same portal regardless of work location or state program structure.
One unified report
Claim volume, leave duration, and overall cost roll up across every state with a detailed per state breakdown.
Talk to a specialist
Review your private plan options with an expert
Talk to a specialist
Tell us where your employees work and how you handle leave today. We will walk through the statutory programs that apply, your private plan options, and what implementation looks like.
Helpful to have ready
- Which states mandate paid family leave for your workforce
- Where a private plan is permitted and what the election process involves
- How the coverage and leave management platform work as one system
Best for
Employers, insurance brokers, and benefit administrators with multi-state obligations or an upcoming effective date.
FAQ
Buyer questions
Still have a question? .