Virginia

Virginia Paid Family and Medical Leave (VA PFML)

Virginia Paid Family and Medical Leave (VA PFML)

Virginia Paid Family and Medical Leave (VA PFML) is a mandated paid leave program that provides eligible employees with job-protected leave and partial wage replacement when they are unable to work due to their own serious health condition, including illness, injury, pregnancy, and recovery from childbirth. Employees may also qualify for benefits to care for a seriously ill family member, to bond with a new child, to address qualifying needs related to a family member’s military service (including a pending or active deployment), or to take safe leave.

Employers may satisfy their obligations under VA PFML by participating in the state-administered program or by offering an approved private plan that is substantially equivalent to the state program. Private plans may be fully insured, self-insured, or a combination of both, and must be approved by the Virginia Employment Commission.

MetLife intends to offer fully insured coverage to support an employer’s VA PFML private plan and to provide administrative services for employers that maintain a self-insured private plan. MetLife’s insurance offerings and administrative services comply with the applicable requirements of the Virginia Paid Family and Medical Leave law and its implementing regulations.

Benefit Overview

Mandated Coverage & Employee Eligibility

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Leave Reason, Duration, Job Protection

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Medical Leave

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Family Leave

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Military Family Leave

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Safety Leave (up to 4 weeks per benefit year)

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Cost of Coverage and Contributions

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Benefit Payments

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Benefits will be available to eligible employees starting December 1, 2028. The program will cover full-time and part-time Virginia workers who earned at least $3,000 total during at least two of the last five quarters. Job protection covers workers who have been employed for at least 120 days by their current employer.

Employers with 10 or fewer employees are not required to pay the employer contribution. Self-employed individuals who opt into the program will pay the full amount. State government employees will have a similar benefit. Employers may offer an approved private plan that meets or exceeds state benefits. State government employees will have similar benefits through a similar policy.

Federal government employees and employees covered by the Railroad Unemployment Insurance Act are exempted from the program. Tribal government employees are also exempt unless the tribal government opts in.

Eligible employees can receive wage replacement benefits for certain qualifying events. Employees who have worked for their current employer for at least 120 days generally are also entitled to job-protected leave.

An employee can take up to 12 weeks of VA PFML leave within a benefit year. The benefit year generally begins on the employee’s first day of leave and lasts 52 calendar weeks. In limited circumstances, it may extend to 53 weeks to prevent overlap with the base period of a previously filed claim. Up to four weeks of the 12-week maximum may be used to obtain safety services.

  • The employee's own serious health condition, including illness, injury, pregnancy, and recovery from childbirth.
  • Bonding with a new child following birth, adoption, or foster care placement.
  • Caring for a family member with a serious health condition.
  • Caring for a covered servicemember who is a family member.
  • Addressing qualifying exigencies related to a family member's active duty military service or call to active duty.
  • Obtaining services or assistance related to domestic violence, sexual assault, or stalking for the employee or a family member.

Approved private plans must provide job protections that are at least equivalent to those provided under the state program.

Employees will have the option of taking leave intermittently or on a reduced schedule basis.

VA PFML will be funded through payroll contributions from covered employers and employees. Payroll contributions begin April 1, 2028. The VEC will establish the contribution rate for 2028 by October 1, 2027, and will set the rate annually thereafter. Contributions generally will be split 50/50 between employers and employees, although employers may choose to pay more. Employers with 10 or fewer employees are not required to pay the employer contribution.

Private-plan premiums may differ from the State Plan contribution rate; however, an employee covered under an approved private plan cannot be required to contribute more than the employee otherwise would contribute under the State Plan. The employer is responsible for any remaining cost of the private plan and may elect to pay the full cost of coverage on behalf of employees.

Self-employed individuals who opt into the program are responsible for the applicable contributions required under Virginia law.

MetLife can also provide claim administration for self-insured private plans. For self-insured private plans, employers may collect payroll contributions up to the maximum amount permitted under the State Plan and use those funds to help finance plan benefits.. Service fees paid to support the operating costs for state approved self-insured plans are the employer’s responsibility.

The benefit amount an employee can receive depends on the employee’s average weekly wage.

While benefits are not yet payable, the state has provided the following information for calculating benefit payments once benefits are payable: wage replacement of up to 80% of the employee’s average weekly wage – up to a cap of the state average weekly wage currently $1,507.01. The maximum weekly benefit will be adjusted annually to reflect changes in the SAWW.

Key Dates Program Timeline

VEC will develop the regulations, technology, policies, and guidance needed to implement the program.

Applying for a MetLife Supported Voluntary Plan

MetLife’s customers are responsible for obtaining and maintaining approval of their VA PFML private plan, with each appropriate agency and in accordance with applicable law, rules, regulations, and guidance. Employers should consult with your attorney about the requirements for obtaining and maintaining such approval.

MetLife can provide fully insured coverage for Virginia Paid Family and Medical Leave that helps support an employer's private plan. MetLife can also provide administrative services related to an employer's self-insured private plan. MetLife's insurance offering and administration of an employer's private plan will comply with the regulatory requirements of the Virginia Paid Family and Medical Leave law.

To obtain a quote from MetLife you or your broker must create a census of your eligible Virginia workforce and send it to MetLife. This census template was developed for your convenience.

Based on the information that is provided to MetLife in your census you will be issued a quote.

Virginia

If fully insured, MetLife will issue a state-approved VA PFML policy.

If self-funded, MetLife will issue an Administrative Services Agreement (ASA) and employers will need to work with their own employment counsel to define their VA PFML plan for submission to the state for approval.

Employers are responsible for registering with the state for each of their FEINs.

Not applicable

The VEC has not yet published private plan application deadlines or rules governing when an approved private plan will take effect.

Pending state guidance.

Pending state guidance.

Pending state guidance.

Once you receive the VEC’s approval, please send your MetLife representative a copy of the approval and your state approved plan.

Pending state guidance.

Pending state guidance.

Beginning April 1, 2028, employers must ensure the required contributions are remitted, either through payroll withholding or employer payment on behalf of employees. The VEC will establish the contribution rate for calendar year 2028 by October 1, 2027, and will set the rate annually thereafter.

Employers with 10 or fewer employees are not required to pay an employer share. They may withhold the employee’s 50% share and remit that amount to the State Plan.

Paying the full contribution: Employers may choose to pay more than their required share, including the full contribution, on behalf of employees. For an approved private plan, an employer cannot withhold more from an employee than the employee otherwise would contribute under the State Plan.

Pending state guidance.

Your MetLife policy will automatically renew on its anniversary date and any changes to premium or benefits will be communicated in advance. Private plan renewal with the state may be different than MetLife's renewal date.

If we need to make significant updates to your fully insured policy, we will refile it with the state. Once approved, we will issue updated policy documents to you for your records.

MetLife will reach out to employers to verify and/or provide missing information and documentation, as needed.

Pending state guidance.

Taking a Leave

Supporting Claim Documentation

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Coordination of Benefits

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Proof to support an employee’s leave may be required before the claim decision can be made. The state is still defining these requirements.

Employees may qualify for more than one benefit based on the leave-reason.

VA PFML and Federal FMLA will run concurrently when applicable. Employees cannot be required to use paid leave programs like PTO, paid sick leave, or paid vacation, while receiving paid benefits under VA PFML.

MetLife’s claims team will reach out to the employer to coordinate dates of the company leave that may overlap with the state leave.

MetLife representatives can help review employer paid benefits that may overlap with the state leave. They can help document overlaps and preferred contact and action when the overlap happens.

Note: There may be additional leaves that MetLife does not administer. Employers may be responsible for providing additional leaves for their employees. Employers should consult their own employment attorneys.

FAQs

A child, grandchild, grandparent, parent, sibling, spouse, or domestic partner of an employee, including those with step, foster, or adopted relationships, and includes any individual (i) who regularly resides in the employee's home or where the relationship creates an expectation that the employee care for such individual and (ii) who depends on the employee for care. "Family member" does not include an individual who simply resides in the home with no expectation that the employee care for the individual.

The information presented on this website is not legal advice and should not be relied upon or construed as legal advice. It is not permissible for MetLife or its employees or agents to give legal advice. The information on this website is for general informational purposes only and does not purport to be complete or to cover every situation. Employers must consult with their own legal advisors to determine how these laws will affect them. Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. Please contact MetLife or your plan administrator for complete details. Further, the information on this website does not reflect MetLife’s or any particular employer’s internal policies or the benefits available to its employees. All employees, regardless of employer, should consult with their own HR, benefits manager, or visit their HR website for information on the benefits available to them.