Published by ALKEME Insurance Services · Licensed Insurance BrokerageLast updated April 2026
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State Employee Benefits Requirements
Select a state to see paid leave mandates, disability requirements, small group rules, ACA exchange information, and state-specific benefit regulations.
All 50 States at a Glance
| State | Paid Leave | Disability | Key Notes |
|---|---|---|---|
| None | None | No state-mandated paid leave. Workers comp required for 5+ employees.... | |
| None | None | High healthcare costs due to remote geography. No state income tax impacts benef... | |
| Paid Sick Leave | None | Arizona Fair Wages and Healthy Families Act mandates paid sick time for all empl... | |
| None | None | No state-mandated paid leave. Medicaid expansion has affected small group market... | |
| Paid Family Leave + Paid Sick Leave | State Disability Insurance (SDI) | Comprehensive paid leave: SDI, PFL, and paid sick leave. CalSavers retirement ma... | |
| FAMLI Paid Leave + Paid Sick Leave | FAMLI (2024+) | FAMLI Act provides paid family and medical leave. Colorado Secure Savings retire... | |
| CT Paid Leave + Paid Sick Leave | CT Paid Leave (2022+) | CT Paid Leave provides up to 12 weeks. Paid sick leave mandate for 50+ employees... | |
| Paid Leave (2026+) | Healthy Delaware Families Act (2026+) | Healthy Delaware Families Act phases in paid leave starting 2026. No state incom... | |
| None | None | No state-mandated paid leave or disability. No state income tax. High healthcare... | |
| None | None | No state-mandated paid leave. Growing employer base in Atlanta metro creates com... | |
| TDI | Temporary Disability Insurance (TDI) | Hawaii Prepaid Health Care Act requires employers to provide health coverage to ... | |
| None | None | No state-mandated paid leave. Lower healthcare costs compared to national averag... | |
| Paid Leave for All Workers (2024+) | None | Paid Leave for All Workers Act provides 40 hours paid leave. Illinois Secure Cho... | |
| None | None | No state-mandated paid leave. Manufacturing-heavy economy creates demand for rob... | |
| None | None | No state-mandated paid leave. Strong agricultural economy. Lower cost of living ... | |
| None | None | No state-mandated paid leave. Kansas City metro split with Missouri creates mult... | |
| None | None | No state-mandated paid leave. State-based exchange (kynect) provides options for... | |
| None | None | No state-mandated paid leave. Petrochemical industry creates demand for speciali... | |
| Paid Leave (2021+) | None | Maine Earned Paid Leave requires 1 hour per 40 worked for employers with 10+ emp... | |
| FAMLI (2026+) + Paid Sick Leave | FAMLI (2026+) | Maryland FAMLI phases in 2025-2026. Healthy Working Families Act mandates paid s... | |
| PFML + Paid Sick Leave | PFML (2021+) | Massachusetts PFML provides up to 26 weeks combined. Individual mandate still in... | |
| Paid Sick Leave | None | Michigan Earned Sick Time Act mandates paid sick leave. Auto industry creates co... | |
| Paid Leave (2026+) + Paid Sick Leave | Paid Leave (2026+) | Minnesota Paid Leave phases in 2026. Earned Sick and Safe Time mandate. SecureSa... | |
| None | None | No state-mandated paid leave. Lower cost of living and healthcare costs compared... | |
| Paid Sick Leave (2025+) | None | Missouri voters approved paid sick leave effective 2025. Kansas City and St. Lou... | |
| None | None | No state-mandated paid leave. Rural geography creates healthcare access challeng... | |
| Paid Sick Leave (2026+) | None | Nebraska voters approved paid sick leave starting 2026. Agricultural economy cre... | |
| Paid Leave | None | Nevada SB 312 provides paid leave (not limited to sick time). Hospitality indust... | |
| None | None | No state-mandated paid leave. No state income tax. Granite State Paid Family Lea... | |
| FLI + Paid Sick Leave | TDI + FLI | Comprehensive: TDI, FLI, and earned sick leave. Individual mandate. NJ Secure Ch... | |
| Paid Sick Leave | None | Healthy Workplaces Act mandates paid sick leave for all employers. State-based e... | |
| PFL + Paid Sick Leave | DBL + PFL | Comprehensive: DBL (disability), PFL (paid family leave), and paid sick leave. N... | |
| None | None | No state-mandated paid leave. Research Triangle and Charlotte metro are competit... | |
| None | None | No state-mandated paid leave. Monopolistic workers comp through WSI. Oil industr... | |
| None | None | No state-mandated paid leave. Monopolistic workers comp through BWC. Major metro... | |
| None | None | No state-mandated paid leave. Energy sector creates specialized benefits needs. ... | |
| Paid Leave Oregon + Paid Sick Leave | Paid Leave Oregon (2023+) | Paid Leave Oregon provides up to 12 weeks. Oregon Sick Leave mandates paid sick ... | |
| Philadelphia/Pittsburgh local laws | None | No statewide paid leave mandate but Philadelphia and Pittsburgh have local sick ... | |
| TCI + Paid Sick Leave | TDI + TCI | Comprehensive: TDI (disability) and TCI (caregiver/bonding). Healthy and Safe Fa... | |
| None | None | No state-mandated paid leave. Growing manufacturing and tech sectors create comp... | |
| None | None | No state-mandated paid leave. No state income tax. Lower healthcare costs compar... | |
| None | None | No state-mandated paid leave. No state income tax. Nashville and Memphis are gro... | |
| Dallas/San Antonio/Austin local laws | None | No statewide paid leave (local ordinances in some cities). No state income tax. ... | |
| None | None | No state-mandated paid leave. Young workforce demographic affects benefits desig... | |
| Paid Sick Leave + PFML (2025+) | PFML (2025+) | Vermont Paid Family and Medical Leave phases in. Earned sick time mandate. Small... | |
| Paid Sick Leave (home health workers) | None | Limited paid sick leave mandate (home health workers only). Virginia RetirePath ... | |
| PFML + Paid Sick Leave | PFML (2020+) | Comprehensive PFML provides up to 12 weeks. Paid sick leave mandate. WA Cares Fu... | |
| None | None | No state-mandated paid leave. Healthcare access challenges in rural areas affect... | |
| None | None | No state-mandated paid leave. Milwaukee and Madison have competitive benefits ma... | |
| None | None | No state-mandated paid leave. No state income tax. Monopolistic workers comp. Li... |
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