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Paid Family and Medical Leave coverage for self-employed individuals

If you're a self-employed individual, you may still qualify for coverage under the Paid Family and Medical Leave (PFML) law.

Table of Contents

General eligibility

As a self-employed individual, you may elect coverage under the state's Paid Family and Medical Leave (PFML) program. If you do so, you will be responsible for paying the full 0.75% contribution rate for both family and medical leave. Once you've elected coverage, you won't be eligible for benefits until you've made the required contributions for at least 2 of your last 4 completed calendar quarters.

If you own a business and pay yourself through a W-2, you are an employee of that business and will be considered part of your covered workforce under PFML.

    Electing PFML coverage

    If you are a 1099-MISC worker for a business that does not cover contractors for PFML because 1099-MISC workers make up less than 50% of the business’s workforce, you can choose to opt-in to the PFML program through MassTaxConnect.

    Your PFML enrollment will begin on the date you opt-in through MassTaxConnect. Once enrolled in the program, you'll be required to remain enrolled for at least 3 years. During this time, you'll be required to file quarterly earnings reports and submit the full quarterly contribution payments for both family and medical leave based on your earnings.

    Additional Resources

    Eligibility for benefits

    To be eligible for benefits, you will have to:

    • Have earned $5,100 during the last 4 completed calendar quarters, and at least 30 times more than how much you would be eligible to get each week from your Paid Family Medical Leave benefits

    • Pay the full 0.75% contribution rate for both family and medical leave for at least 2 of your last 4 completed calendar quarters before claiming benefits

      • This rate adjusts annually

    Contact

    Phone

    For questions about benefits and eligibility: (833) 344-7365

    Department of Family and Medical Leave - Hours of operation: Monday-Friday, 8 a.m - 5 p.m.

    Fraud Reporting Hotline: (857) 366-7201

    Department of Family and Medical Leave - Hours of operation: Monday-Friday, 8 a.m - 5 p.m.

    For questions about contributions and exemptions: (617) 466-3950

    Department of Revenue - Hours of operation: Monday-Friday, 8:30 a.m. - 4:30 p.m.

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