A maternity depart coverage covers worker eligibility and maternity depart period, together with advantages and different particulars related together with your coverage. Below the federal Household & Medical Go away Act (FMLA), employers with 50 or extra workers should present unpaid maternity depart. Some states, nonetheless, require paid maternity depart, and a few companies select to supply paid maternity depart whatever the base requirement.
Key Takeaways:
Corporations with greater than 50 workers are required to supply no less than 12 weeks of unpaid maternity depart.
Some states require paid maternity depart, even for firms with lower than 50 workers.
A maternity depart coverage might help define expectations and advantages.
You possibly can create and customise your maternity depart coverage to make sure federal and state compliance and supply written documentation in your workers. Obtain both our paid or unpaid maternity depart template beneath.
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In case you are in search of a extra skilled solution to create insurance policies, together with a maternity depart coverage, think about using Homebase. It affords templates in your insurance policies in a single handy place and has a built-in time and attendance tracker that may assist you handle your workers’ maternity depart.
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What to Embody in Your Maternity Go away Coverage
Each maternity depart coverage ought to embody important data that explains precisely what the procedures are for taking a depart. This contains:
Who’s eligible: adoptive and pure moms
Phrases of eligibility: full-time employment and/or variety of consecutive weeks/months labored, worker standing, and request time-frame
Advantages included: short-term incapacity, use of accrued/unused PTO/sick depart, unpaid depart, and whole variety of weeks allowed
Medical insurance protection: firm or employee-paid protection
Make sure your coverage additionally touches on whether or not or not the corporate pays for any a part of the maternity depart. You possibly can elect to pay workers for a sure timeframe (usually 4-6 weeks) after which enable workers to make use of short-term incapacity, PTO and sick depart, and unpaid depart for the remaining time allowed.
Professional Tip: Any worker on FMLA depart is entitled to keep up well being advantages protection. Because the employer, you might be required to proceed to pay premiums, nonetheless, you’ll be able to have your workers pay their portion of the premiums both on an everyday schedule or as a lump sum after they return to work.
Administering Your Maternity Go away Coverage
After growing your maternity depart coverage, present workers with a duplicate and have them signal and date the coverage.
Remember to comply with these common pointers:
Replace your worker handbook to incorporate verbiage about your maternity coverage.
Doc their acknowledgment of the coverage of their personnel recordsdata.
Be conscious of legal guidelines in your state and federal legal guidelines that state you should abide by any insurance policies you could have in place.
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Federal Maternity Go away Legal guidelines
If your small business has 50 or extra workers, the FMLA requires you to supply as much as 12 weeks of unpaid maternity depart. In the event you make use of lower than 50 workers, there isn’t any federal labor regulation requiring you to supply maternity depart; nonetheless, we suggest it as an excellent enterprise observe.
Though in a roundabout way associated to maternity depart, you also needs to pay attention to the Being pregnant Discrimination Act, which applies to firms with 15 or extra workers. This act prohibits discrimination primarily based on being pregnant, childbirth, and associated medical situations. As an example, for those who enable different disabled workers to work at home, you should supply that choice to your pregnant workers as properly.
Phases of Maternity & Corresponding Pointers
There are three phases of maternity which have particular legal guidelines that firms should comply with:
Working whereas pregnant
Go away to organize for, ship, and look after a new child
Return to work
Part 1: Worker Working Whereas Pregnant
Title VII of the Civil Rights Act of 1964, which incorporates the Being pregnant Discrimination Act (PDA), applies when you could have an worker who’s pregnant. Though it applies to employers with 15 or extra workers, we suggest all employers comply with the rules as a finest observe.
Whereas an worker is pregnant, they’re additional protected by the Individuals with Disabilities Act (ADA), which applies to any employer with 15 or extra workers. The ADA stipulates that affordable lodging have to be made for the worker to do their job efficiently, just like some other worker with a incapacity or particular want. For instance, the employer might have to supply light-duty work, various assignments, incapacity depart, or unpaid depart to pregnant workers.
Some examples of affordable lodging embody:
Offering a lumbar assist pillow if the expectant mom is having again ache
Providing a chair for them to sit down in (for jobs that usually require standing) in order that they don’t have to face for hours
Permitting them prolonged breaks for morning illness or restroom use if requested
Understand that new workers are simply as protected by the federal anti-discrimination laws as workers who’ve been with you for 10 years. Though your worker is new, they need to be handled similar to different workers. Nevertheless, they don’t seem to be eligible for FMLA depart till they’ve been employed by you for one yr.
Part 2: Worker on Maternity Go away
As a personal employer with 50 or extra full-time workers, you might be required to permit new moms to take unpaid maternity depart (as much as 12 weeks) whereas guaranteeing that they’ll have a job after they return, both in the identical place or an identical one. Nevertheless, for those who make use of fewer than 50 full-time workers, underneath federal regulation, you don’t have any obligation to supply maternity depart.
You might be additionally required to proceed group medical insurance protection and can’t penalize the time away from work as an absence.
Part 3: Worker Returning to Work
An worker returning to work after maternity depart has the next rights:
The fitting to return to their earlier place (or an identical position)
The fitting to not be discriminated towards as a consequence of taking medical depart
The fitting to return on a versatile, or altered schedule (akin to part-time or work-from-home)
There are additionally legal guidelines in place to guard their proper to pump or specific milk. A breastfeeding mom who returns to work has a proper to pump within the office underneath a provision of the Affected person Safety and Inexpensive Care Act, which covers work rules like minimal wage, breaks, and record-keeping. Because the employer, you might be required to supply them with satisfactory break time and a clear, non-public place to pump.
Compliance with this regulation is required for all employers no matter measurement. Nevertheless, you probably have fewer than 50 workers and may show an lodging supplies an undue hardship on your small business, it’s possible you’ll be exempt. Undue hardship is outlined as, for instance, the necessity to do building in your employment web site to supply a personal room for pumping. You’ll find extra details about complying with the regulation from the US Breastfeeding Committee.
Terminating Pregnant Staff
You can’t fireplace an worker as a result of they’re pregnant. You could present the worker was terminated for a cause fully unrelated to their being pregnant. To do that you will want to extensively doc the worker’s poor efficiency and your organization’s assist to assist them enhance.
Terminating a pregnant worker, whether or not they’re not too long ago pregnant or on maternity depart, is legally tumultuous territory. Even you probably have your documentation so as, you could possibly nonetheless face a wrongful termination lawsuit, which might end in hundreds of {dollars} in authorized bills.
A greater possibility can be to supply teaching and coaching on their work efficiency and proceed to doc efficiency points. Then, if these points proceed after their maternity depart is over, contemplate ready (a minimal of three months) after your worker has returned to work earlier than contemplating letting them go. At all times doc efficiency evaluate conferences, teaching periods, and coaching, and focus on together with your legal professional earlier than taking motion.
For workers at the moment on maternity depart, for those who make use of fewer than 50 folks, you don’t have any obligation to ensure your pregnant workers a job after they return to work. Nevertheless, you probably have a coverage that states that you just present maternity depart, or for those who enable different disabled staff to take an prolonged depart of absence, then you should abide by your coverage and precedent.
State Maternity Go away Legal guidelines
Whereas there isn’t any federal regulation requiring parental depart for companies with fewer than 50 workers, your state could have further legal guidelines that you should adjust to.
And, it additionally is determined by what you’ve performed previously. In case your paid day without work coverage states you present maternity depart, or for those who allowed one other mother flexibility, akin to working from house, then you should abide by that precedent.
Select your state from our drop-down menu to grasp the maternity depart legal guidelines by state that apply to your small business and the way they could differ from federal regulation. In case your state shouldn’t be listed, it doesn’t have a selected maternity depart regulation.
California
Below the California Household Rights Act (CFRA), employers with 5 or extra staff should present eligible workers with as much as 12 weeks of unpaid, job-protected depart over 12 months for sure qualifying causes.
California additionally requires employers to supply paid depart for workers who’ve labored for the corporate for no less than 12 months and no less than 1,250 hours throughout the earlier yr. Staff falling underneath this requirement are entitled to as much as eight weeks of paid depart and might be paid roughly 60% to 70% of their common weekly wage—as much as a most good thing about $1,357 per week.
Colorado
Colorado’s Household and Medical Go away Insurance coverage Program (FAMLI) program, which started January 1, 2024, states that employers with no less than one worker for no less than 20 weeks in a yr should present as much as 12 weeks of paid depart—and an additional 4 weeks for individuals who expertise problems in being pregnant or childbirth.
Connecticut
The Connecticut Household Medical Go away Act (CFMLA) provides workers the suitable to take as much as 12 weeks off in any 24-month interval for a critical well being situation, which incorporates being pregnant. Staff are additionally eligible for an extra two weeks of paid depart underneath this program in the event that they’re unable to work due to a critical well being situation associated to their being pregnant or childbirth.
To be eligible, an worker will need to have labored in your firm for no less than 12 weeks. When on depart, they’ll be paid their common wage or as much as 60 instances the Connecticut minimal wage.
Delaware
The Wholesome Delaware Households Act requires employers with no less than 25 workers to supply as much as 12 weeks of paid household depart.
Notice: This regulation has been signed, however workers can not benefit from the paid depart advantages till January 1, 2026—although employers will start deducting premiums beginning January 1, 2025.
District of Columbia (D.C.)
Washington, D.C., requires employers with workers who work no less than 50% of the time contained in the District to supply as much as 12 weeks for the worker to bond with a brand new little one and two weeks to obtain prenatal care. A employee will obtain 90% of their common wage, as much as $912 per week, and 50% of their remaining weekly pay, with a cap of $1,009 per week.
Hawaii
Hawaii employers should enable workers who’ve labored no less than 12 months to take 4 weeks of unpaid depart whereas they’re disabled as a consequence of being pregnant, childbirth, and associated situations. All working girls are eligible; firm measurement doesn’t matter.
Maine
Maine employers with greater than 15 workers should give eligible workers as much as 10 weeks off in a two-year interval for the beginning or adoption of a kid.
Notice: On July 11, 2023, a historic price range was signed that features the creation of a paid household and medical depart program. Starting in 2026, eligible staff within the non-public and public sector may have 12 weeks of paid day without work out there for household or medical causes together with sickness, to look after a relative, or the beginning of a kid.
Maryland
Starting July 1, 2026, Maryland employers might be required to supply paid household and medical depart. Staff might be allowed to take time away from work to look after themselves or a member of the family (together with being pregnant and beginning). They may even be eligible to be paid as much as $1,000 per week for 12 weeks.
Massachusetts
Employers in Massachusetts with no less than 25 workers should give eligible workers as much as 12 weeks off for the beginning or adoption of a kid. All W-2 workers, self-employed staff, and a few 1099 impartial contractors are eligible. The profit quantity obtained is calculated primarily based on an worker’s weekly wage and the Massachusetts common weekly employee wage, as much as a most of $1,129.82 per week. The utmost weekly profit earlier than then is $1,084.31.
Minnesota
Minnesota employers with no less than 21 workers should enable eligible workers to take as much as 12 weeks off for prenatal care, being pregnant, childbirth, and bonding with a brand new little one. Bonding depart is offered to organic and adoptive dad and mom however have to be taken inside 12 months of the kid’s beginning or adoption. To be eligible for depart, the worker will need to have labored no less than halftime for the employer for 12 months earlier than the depart request.
New Hampshire
The Granite State Paid Household Go away Plan supplies workers with as much as 60% of their common weekly wage for as much as six weeks per yr. Notice that this can be a voluntary plan for personal employers in New Hampshire.
New Jersey
New Jersey employers with no less than 30 workers should present their staff with as much as 12 weeks of depart in a 24-month interval to bond with a baby. The worker will need to have labored no less than one yr with the corporate to be eligible. Staff obtain as much as 85% of their common weekly wage, as much as a most weekly good thing about $993.
New York
New York Paid Household Go away requires employers to supply as much as 12 weeks of paid depart for workers who work no less than 20 hours per week. To be eligible for this profit, workers will need to have labored for an organization for no less than 26 consecutive weeks. Staff get 67% of their common weekly wage, as much as a most of $971.61.
Oregon
Oregon Paid Go away is among the latest applications. Corporations with no less than 25 workers pay into this system and workers can obtain advantages. Staff can take as much as 12 weeks of paid depart and an extra two weeks if they’ve medical points associated to the being pregnant. Staff might be paid as much as 100% of their common weekly wage. Employers with fewer than 25 workers wouldn’t have to pay the employer portion of this system—workers, nonetheless, are nonetheless eligible.
Rhode Island
The Rhode Island Momentary Caregiver Insurance coverage Program supplies as much as 4 weeks of paid maternity depart and as much as 30 whole weeks if pregnancy-related medical situations stop the worker from working. The profit maxes out at $1,007 per week and relies on the worker’s highest incomes quarter within the final yr.
Vermont
Employers in Vermont with no less than 10 workers should present unpaid day without work to eligible workers for being pregnant, childbirth, or adoption of a kid as much as 16 years outdated. They could take as much as 12 weeks of household and medical depart in a 12-month interval.
In 2014, Vermont enacted a regulation that offers workers the suitable to request a versatile working association as much as twice a yr. Such an association would possibly contain a change in work hours (for instance, to start and finish work later), working from house, modifications to the variety of hours or days an worker works, or job sharing.
Washington
The Paid Household and Medical Go away program, a Washington state-run insurance coverage program, supplies as much as 12 weeks of paid depart for bonding with a new child. Employers can present paid household and medical depart advantages both via the state-run program or buy a voluntary non-public plan that gives advantages equal to or better than the state minimal necessities.
Maternity Go away Coverage Choices
Listed below are a number of choices for customizing a maternity depart coverage in your firm. We suggest a mixture of those to assist your small business and present care in your workers pretty and inexpensively whereas creating an amazing firm tradition.
Present Unpaid Maternity Go away: Take into account providing a set quantity of unpaid depart, akin to 12 weeks, or have that vary be determined by the worker and easily state that they could take “as much as 16 weeks,” which is the utmost typically provided by small companies.
Supply Distant or Work-from-House Choices: Permit new mothers to work at home as soon as they really feel properly sufficient and have exhausted their paid or unpaid depart. Keep in contact with the brand new mother as their want to work at home could change as soon as the infant arrives. As well as, it’s possible you’ll want to supply them with work-from-home instruments, akin to a cellphone, web, and pc.
Permit Versatile Scheduling: Present a versatile work atmosphere and versatile schedule, akin to part-time, or fewer, longer days that add as much as their common hours. Or contemplate permitting the brand new mother to come back in as they’re in a position, as soon as recovered from the supply.
Present Quick-term Incapacity Insurance coverage: Quick-term incapacity insurance coverage on the worker’s expense might be added to your advantages package deal. This can be a nice perk for workers who worth household and is for gratis to you because the employer.
Supply Paid Maternity Go away: You possibly can supply paid maternity depart, which is gaining popularity. This paid depart might be provided at a share or a flat charge for a sure variety of weeks.
You may additionally want to contemplate coverage choices for particular conditions, akin to throughout an worker’s first yr on the job or for distant workers.
Maternity Go away Coverage Continuously Requested Questions (FAQs)
What number of weeks pregnant are you able to go on maternity depart?
There isn’t any set time (or regulation) that dictates when a pregnant worker can go on maternity depart. Many ladies start their FMLA depart every week to a month earlier than their due date due to discomfort or problems with their pregnancies. The one stipulation is the whole quantity of weeks allowed for depart (as much as 12 weeks). Any time a pregnant worker takes off earlier than the beginning of their little one will depend in the direction of that 12 weeks.
Do any states require paid maternity depart?
Sure. The next states require maternity depart to be paid: California, Colorado, Connecticut, D.CMassachusetts, New Hampshire, New Jersey, New York, Oregon, Rhode Island, and Washington State. The next will start paid maternity depart in 2026: Delaware, Maine, and Maryland.
Can an worker return to work at any time throughout their maternity depart?
Sure. Though the American Faculty of Obstetricians and Gynecologists (ACOG) recommends girls take no less than six weeks off work following childbirth, no regulation requires it. Typically girls return early as a consequence of funds, so by providing paid depart plus short-term incapacity plus PTO/sick time utilization, girls can get the satisfactory relaxation and bonding time they want.
Backside Line
Offering paid maternity depart might be a good way to distinguish your organization from rivals and assist retain your finest expertise. Contemplating how a lot it prices to recruit and prepare a brand new worker, a maternity coverage, whether or not paid or unpaid, could make sense for your small business. It additionally results in a constructive firm model picture and helps retain good workers.