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Disability insurance benefits during FMLA leave

Summary WHD answered whether an employer had to keep paying disability-insurance premiums during FMLA leave. It said disability insurance was outside the group health coverage that must be maintained, though an employer could pay to prevent a lapse and ensure equivalent benefits on return. The insurer itself had no FMLA duty to rewrite its policy; the employer carried the statutory duties.
Document
Federal opinion letter
Agency
U.S. Department of Labor, Wage and Hour Division (WHD)
Document number
FMLA-6
Date issued
October 1, 1993
Status
Active
Status last verified October 12, 2026
Topics

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About this page: The full text below is the official document from U.S. Department of Labor, Wage and Hour Division (WHD). Ezel adds the plain-English summary and tracks the document's status. The official source linked on this page is authoritative for any reliance.

U.S. Department of Labor
Employment Standards Administration
Wage and Hour Division
Washington, D.C. 20210

October 1, 1993
FMLA-6

Dear Name*,

This is in reply to your letter regarding your employee disability benefit plan and compliance with the Family and Medical Leave Act of 1993 (FMLA).

Disability insurance is not part of the health benefits which must be maintained for an "eligible employee" while on FMLA leave. However, as noted in section 825.213(f) of Regulations, 29 CFR Part 825, employers may choose to maintain other employee benefits, such as disability insurance, by continuing to pay premiums during FMLA leave, in order to avoid a lapse in coverage and ensure that the employer can meet its responsibilities under FMLA to provide equivalent benefits upon return of an employee from leave. Under the circumstances set forth in paragraphs (a) through (e) of this section, an employer is entitled to recover any premiums paid on the employee's behalf to maintain such benefits during FMLA leave.

An insurance company is under no legal obligation to modify their policies to comply with FMLA. The employer is legally responsible to maintain health insurance and restore all benefits to employees upon their return from leave.

If you have any further questions, please feel free to contact me at (202) 219-8412.

Sincerely,

J. Dean Speer Director, Division of Policy and Analysis

  • Note: The actual name(s) was removed to preserve privacy in accordance with 5 U.S.C. 552 (b)(7).

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