Maryland Employers Have a One-Time Opportunity to Delay FAMLI Contributions Until 2028

Many Maryland business owners are still unaware of the upcoming Family and Medical Leave Insurance (FAMLI) program and an important opportunity available before the state program begins.

Under Maryland's current implementation schedule, employers and employees participating in the state plan will begin making contributions in 2027, even though benefits will not become available until January 2028.

What many employers don't realize is that there is a one-time opportunity to delay those contributions.

A Declaration of Intent Can Make the Difference

Between September 1 and November 15, 2026, employers may submit a Declaration of Intent (DOI) to pursue a Qualified Private Plan.

With an approved DOI and a Qualified Private Plan, employers and employees would not be required to make contributions to the Maryland State Plan during 2027. Instead, contributions would begin when the Qualified Private Plan takes effect in 2028.

Depending on a company's size and payroll, that could allow approximately $4,500 or more to remain with the business during 2027 rather than being paid into the state plan.

Why Employers Are Considering Qualified Private Plans

Delaying state-plan contributions during 2027 is one important advantage, but it isn't the only one.

Qualified Private Plans may also provide:

• Benefits that meet or exceed Maryland's requirements

• Competitive premium rates

• Faster claim processing

• Dedicated support from both the insurance carrier and an experienced broker

• A more personalized experience than working directly through a state-administered program

Every business is different, which is why comparing available options before making a decision is so important.

Don't Wait Until Contributions Begin

The Declaration of Intent window closes on November 15, 2026. Employers who wait until 2027 may lose the opportunity to take advantage of a Qualified Private Plan before state-plan contributions begin.

Planning ahead provides time to compare available plans, understand potential savings, and determine which option best fits your business.

For more than 35 years, Susan Wiener Enterprises has helped employers navigate state-mandated disability and Paid Family Leave programs. Businesses considering a Qualified Private Plan can benefit from experienced guidance, competitive carrier comparisons, and support throughout the application process.