• Facebook
  • X
  • Instagram
  • LinkedIn
800 222 8711| Contact Us| Submit a Claim| Pay My Bill| Client Portal
Murphy Insurance
  • Get A Quote
    • Auto Insurance Quote
    • Homeowners Quote
    • Condominium Quote
    • Renters Insurance Quote
    • Umbrella Liability Quote
    • Boat Insurance Quote
    • Valuables Coverage Quote
    • Life Insurance Quote
    • Term Life Insurance Quote – Instant
    • Disability Insurance Quote
    • Long-Term Care Quote
    • Business Insurance Quote
    • Employee Benefits Quote
    • Other Insurance Quote
  • Personal
    • Overview
    • Auto Insurance
      • Overview
      • Auto Insurance Discounts
      • Auto Insurance Coverage Options
      • Auto Insurance Rating Factors
      • Change of Garaging
      • Registry Service
    • Motorcycle Insurance
    • Recreational Vehicle Insurance
    • Homeowners Insurance
      • Overview
      • Earthquake Insurance
      • Mobile Home Insurance
    • Condominium Insurance
    • Renters Insurance
    • Personal Umbrella Insurance
    • Flood Insurance
    • Boat Insurance
    • Financial Insurance
    • Life Insurance
    • Term Life Insurance
    • Disability Insurance
    • Long-Term Care Insurance
    • Fixed Annuities
    • Event & Specialized Insurance
      • Event Insurance
      • Wedding Insurance
  • Business
    • Overview
    • Commercial Property Insurance
      • Commercial Package Policy
      • Business Owner Policy
      • Business Interruption Insurance 
      • Ordinance or Law
    • Business Liability Insurance
    • Commercial Auto Insurance
    • Workers’ Compensation Insurance
    • Business Insurance Bonds
    • Employee Benefits
      • Group Health Insurance
      • Group Dental Insurance
      • Group Life, Disability & Long-Term Care Insurance
      • Voluntary Employee Benefits
    • Business Continuation Planning
    • Industry Specialties
      • Antique Dealer Insurance
      • Banking & Financial Institution Insurance
      • Contractor Insurance
      • Construction Insurance
      • Farm & Agriculture Insurance
      • Manufacturing Insurance
      • Restaurant Insurance
      • Religious Institution Insurance
      • Solar Contractor Insurance
      • Technology Business Insurance
    • Business Spotlight Series
  • Resources
    • Overview
    • Business Spotlight Series
    • Claims Center
    • Certificate of Insurance Request
    • FAQs (Frequently Asked Questions)
    • Forms Center
    • Insurance Tips
    • Helpful Links
    • Insurance Companies
    • Insurance Myths
    • Murphy Insurance 24 | Client Portal
    • Pay My Bill
  • Blog
  • About
    • Why Choose Us?
    • Locations
      • Bolton, MA Office
      • Groton, MA Office
      • Harvard, MA Office
      • Hudson, MA Office
      • Marlborough, MA Office
      • Medway, MA Office
    • Careers
      • Business Sales Executive
      • Business Acct Mgr (Harvard)
      • Business Acct Mgr (Medway)
      • Financial Insurance Manager
      • Personal Account Manager (Groton)
    • Communities Served
    • Meet the Team
    • Our Values
    • We’re A Five Star Agency
    • Trusted Choice Agency
    • Donation and Sponsorship Requests
    • Customer Reviews
    • Share A Review Of Us
  • Contact
  • Search
  • Menu Menu
  • Home Page
  • Contact Us
  • Locations
  • Get A Quote
  • Claims Center
  • Personal Insurance
  • Business Insurance
  • Certificate of Insurance Request
  • About Us
  • Careers
  • Blog
  • Resources
  • Pay My Bill
  • Forms Center
  • Murphy Insurance 24 | Client Portal
  • Auto Insurance
  • Homeowners Insurance
  • Renters Insurance
  • Share a Review
You are here: Home1 / Blog2 / Business Insurance3 / Contributions to Massachusetts Paid Family and Medical Leave (PFML) Program...

Contributions to Massachusetts Paid Family and Medical Leave (PFML) Program – Delayed for 3 Months

June 19, 2019|byMurphy Insurance|inBusiness Insurance|PFML, business insurance, employees

We recently shared information with you about the Massachusetts Paid Family and Medical Leave program, which was due to be implemented by July 1, 2019.  The Massachusetts Legislature and the Baker-Polito Administration have enacted legislation to delay the start of employer and employee contributions to the Paid Family and Medical Leave program (PFML) by three months to October 1, 2019.

This delay will allow employers across the Commonwealth more time to prepare their organizations and workforces for PFML. Please read below to see how this delay will affect you and your responsibilities under the law.

Contributions to Massachusetts Paid Family and Medical Leave (PFML) Program - Delayed for 3 Months
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Required Withholding Now Starts October 1

The start date for required PFML contributions is now October 1, 2019. On that date, employers must withhold PFML contributions from employee-qualifying earnings.  Employers will be responsible for remitting employee and (if applicable) employer contributions for the October 1 to December 31 quarter through MassTaxConnect by January 31, 2020.

Contribution Rate Change

The PFML law requires that the Department adjust the contribution rate to offset the shorter period for collections resulting from the three-month delay. As a result, the total contribution rate has been adjusted from 0.63% to 0.75% of employee-qualifying earnings. This adjustment will ensure that total funding will be in place for the commencement of benefit payments in January 2021.

Timeline Extended for Required Employee Notices

Employers now have until September 30, 2019, to notify all covered individuals of their rights and obligations under PFML. Check the Department website at mass.gov/pfml for updated notices to provide to your workforce in the coming days.

Timeline Extended for Exemption Applications

Employers that offer paid leave benefits that are at least as generous as those required under the PFML law may apply to the Department for an exemption from making contributions. Employers will now have until December 20, 2019, to apply for an exemption that will excuse them from the obligation to remit contributions for the entire period commencing with the October 1 start date.

PFML Regulations Will Be Final and Effective on July 1, 2019

The final regulations will be posted on the Department website at mass.gov/pfml on Monday, June 17, 2019. The rules will be formally published under 458 CMR 2.00 DEPARTMENT OF FAMILY AND MEDICAL LEAVE.

More about PFML

Beginning in 2021, PFML will provide temporary income replacement to eligible workers who are welcoming a new child into their family, dealing with a severe illness or injury, caring for an ailing relative, or dealing with complications resulting from the military deployment of a family member. The program is funded by payroll-based contributions from employers, employees, and specific contract workers.

To learn more about PFML, including information about how this new program impacts your organization, more background on exemptions, and details on contribution levels, please visit mass.gov/pfml.

Source:  www.mass.gov

Related Post:  Is your business ready for MA Paid Family & Medical Leave Law effective July 1, 2019

Read Other Blog Posts

October is Cybersecurity Awareness Month Are You Cyber-Smart at Home and at Work

October is Cybersecurity Awareness Month: Are You Cyber-Smart at Home and at Work?

October 16, 2025
October is Cybersecurity Awareness Month — the perfect reminder to stay vigilant about your digital safety. From phishing scams to hacked home devices, cyber threats can affect anyone. Learn practical tips to protect yourself at home and work, and see how personal cyber insurance can help safeguard your finances and identity.
Read more
https://www.dfmurphy.com/wp-content/uploads/October-is-Cybersecurity-Awareness-Month-Are-You-Cyber-Smart-at-Home-and-at-Work.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2025-10-16 12:20:422025-10-16 12:31:25October is Cybersecurity Awareness Month: Are You Cyber-Smart at Home and at Work?
Cybersecurity Awareness Month How Businesses Can Stay Protected in a Digital World

Cybersecurity Awareness Month: How Businesses Can Stay Protected in a Digital World

October 14, 2025
October is Cybersecurity Awareness Month—a reminder that cybersecurity is more than an IT issue; it’s essential to business survival. From phishing scams to ransomware, digital threats can disrupt operations and erode customer trust. Murphy Insurance helps businesses strengthen defenses and recover quickly with customized cyber liability insurance coverage.
Read more
https://www.dfmurphy.com/wp-content/uploads/Cybersecurity-Awareness-Month-How-Businesses-Can-Stay-Protected-in-a-Digital-World.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2025-10-14 21:56:352025-10-14 22:09:53Cybersecurity Awareness Month: How Businesses Can Stay Protected in a Digital World
Pollution Liability

Pollution Liability: The Most Overlooked Coverage Your Business Might Need

October 6, 2025
Many business owners assume their general liability or property insurance covers everything, but pollution-related risks are often excluded. Pollution liability insurance helps fill that gap, covering cleanup costs, lawsuits, and damages from environmental incidents. From contractors and manufacturers to auto shops, property owners, and agricultural businesses, many industries face hidden pollution exposures. Without this protection, a single spill, leak, or contamination event could cost hundreds of thousands of dollars.
Read more
https://www.dfmurphy.com/wp-content/uploads/Pollution-Liability-1200.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2025-10-06 08:30:372025-10-08 09:50:45Pollution Liability: The Most Overlooked Coverage Your Business Might Need
Insurance Audits

How to Make Workers’ Comp Audits Less Stressful: Tips from Our Business Account Managers

September 29, 2025
Workers’ Compensation audits don’t have to be overwhelming. With some simple year-round preparation, you can avoid unexpected costs and reduce stress. Our Business Account Managers share practical tips to help you stay organized, document subcontractor details properly, and keep your policy up to date—so audit time goes smoothly.
Read more
https://www.dfmurphy.com/wp-content/uploads/Untitled-design-29.jpg 628 1200 Wayne Texeira https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Wayne Texeira2025-09-29 12:12:562025-10-09 13:08:01How to Make Workers’ Comp Audits Less Stressful: Tips from Our Business Account Managers
Murphy Insurance Team

27 Reasons to Work with Murphy Insurance Agency

September 17, 2025
For more than 88 years, Murphy Insurance Agency has been a trusted partner for families, individuals, and businesses across Massachusetts. As a family-owned and independent agency, we prioritize relationships over transactions, offering guidance and support tailored to your needs. With access to more than 25 top-rated carriers, we deliver personalized solutions, competitive options, and peace of mind. Discover 27 reasons why thousands have chosen Murphy Insurance to protect what matters most.
Read more
https://www.dfmurphy.com/wp-content/uploads/Murphy-team-11-1200.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2025-09-17 11:28:352025-09-17 13:58:3327 Reasons to Work with Murphy Insurance Agency
What Is Professional Liability Insurance and Does Your Business Need It

What Is Professional Liability Insurance—and Does Your Business Need It?

September 15, 2025
General liability insurance won’t protect your business from claims tied to mistakes, missed deadlines, or professional advice gone wrong. That’s where professional liability insurance—also known as Errors & Omissions (E&O) coverage—steps in. It covers negligence, inaccurate advice, project delays, and the legal costs that come with client disputes. From consultants and IT professionals to architects, real estate agents, and accountants, this coverage is essential for anyone providing specialized services.
Read more
https://www.dfmurphy.com/wp-content/uploads/What-Is-Professional-Liability-Insurance-and-Does-Your-Business-Need-It.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2025-09-15 16:20:272025-09-15 16:21:56What Is Professional Liability Insurance—and Does Your Business Need It?
Construction worker 1200

5 Workplace Safety Trends to Watch in 2025

September 11, 2025
While certain elements of occupational safety remain constant, others may change and evolve over time. As such, it’s essential for employers to stay on top of the latest workplace safety trends and adjust their risk management strategies accordingly. Several factors have been influencing the occupational safety landscape this year, including advances in technology, rising mental health concerns, ongoing remote work challenges, a growing connection between sustainability and safety, and shifting corporate culture expectations. This article provides more information on these trends and offers guidance to help employers properly navigate such developments.
Read more
https://www.dfmurphy.com/wp-content/uploads/Construction-worker-1200.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2025-09-11 08:47:182025-09-03 13:41:175 Workplace Safety Trends to Watch in 2025
Floorplan 1200

5 Risks of Hiring an Uninsured Contractor

September 8, 2025
Project owners and general contractors must thoroughly vet all contractors to ensure jobsite safety and protect against financial losses. A key part of this vetting process is confirming that contractors carry the appropriate insurance coverage. Hiring uninsured contractors can lead to serious consequences, including safety risks, legal liabilities and unexpected costs. Here are five major risks of hiring uninsured contractors that highlight why adequate insurance is essential.
Read more
https://www.dfmurphy.com/wp-content/uploads/Floorplan-1200.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2025-09-08 08:03:492025-09-08 11:46:435 Risks of Hiring an Uninsured Contractor
Paperwork 1200

Medicare Part D Notices Are Due Before Oct. 15, 2025

September 2, 2025
Plan sponsors must provide the annual disclosure notice to Medicare-eligible individuals before Oct. 15, 2025—the start date of the annual enrollment period for Medicare Part D. This notice is important because Medicare beneficiaries who are not covered by creditable prescription drug coverage and do not enroll in Medicare Part D when first eligible will likely pay higher premiums if they enroll at a later date.
Read more
https://www.dfmurphy.com/wp-content/uploads/Paperwork-1200.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2025-09-02 08:39:252025-09-05 16:03:52Medicare Part D Notices Are Due Before Oct. 15, 2025
PreviousNext

Visit Our Business Insurance Page

Business Insurance

Murphy Insurance stands as your steadfast partner in safeguarding your business from unforeseen challenges in today’s dynamic business landscape. In an era where comprehensive business insurance is not just a prudent choice but a vital one for ensuring the long-term stability and security of your enterprise, we are here to offer our expertise. Running a business inherently entails various risks that can potentially impact your financial stability and reputation. Learn more about our comprehensive business insurance solutions, which are meticulously designed to protect you from these potential threats, granting you peace of mind necessary to focus on the growth and prosperity of your business.

Search Our Site

Recent Posts

  • Halloween Safety Tips with a Side of Insurance Wisdom October 22, 2025
  • October is Cybersecurity Awareness Month: Are You Cyber-Smart at Home and at Work? October 16, 2025
  • Cybersecurity Awareness Month: How Businesses Can Stay Protected in a Digital World October 14, 2025
  • Candle Safety Considerations October 8, 2025
  • Introducing the Murphy Insurance Condominium Owner’s Manual: Your Guide to Preventing Costly Condo Repairs & Damages October 8, 2025
  • Pollution Liability: The Most Overlooked Coverage Your Business Might Need October 6, 2025
  • Road Safety and Wildlife: What Drivers Need to Know October 1, 2025
  • We Did It Again! 5-Time Gold Winners in Quest for the Best September 30, 2025
  • How to Make Workers’ Comp Audits Less Stressful: Tips from Our Business Account Managers September 29, 2025
  • The Benefits of Raising Your Limits September 24, 2025
  • 27 Reasons to Work with Murphy Insurance Agency September 17, 2025
  • What Is a Personal Article Floater—and Do You Need One? September 16, 2025
  • What Is Professional Liability Insurance—and Does Your Business Need It? September 15, 2025
  • 5 Workplace Safety Trends to Watch in 2025 September 11, 2025
  • 5 Risks of Hiring an Uninsured Contractor September 8, 2025
  • Fall Into Home Prep: Smart Projects to Help You Avoid Winter Insurance Claims September 3, 2025
  • Medicare Part D Notices Are Due Before Oct. 15, 2025 September 2, 2025
  • Renting Out Your Home? Here’s What You Need to Know About Liability and Insurance August 27, 2025
  • Working with Co-op Students Yields a Mutually Beneficial Experience August 22, 2025
  • Headed to College? Don’t Forget About Insurance August 19, 2025
  • OSHA’s Safe and Sound Week Runs From August 11-17, 2025 August 13, 2025
  • Business Spotlight: Hudson Family Dental Providing Modern Dentistry in the Heart of Hudson August 12, 2025
  • Smoke Detector Maintenance: Keep Your Home and Family Safe August 12, 2025
  • Employee Benefits SAR Is Due by September 30 for Calendar Year Plans August 5, 2025
  • Life Insurance in Groton, MA: Protecting What Matters with Murphy Insurance August 1, 2025

Blog Posts By Category

  • Business Insurance (178)
  • Personal Insurance (350)

Blog Posts by Topic

auto accident auto insurance business business insurance car insurance claims collision coverage commercial auto insurance commercial insurance condo insurance cyber liability cyber liability insurance data breach deductibles disability insurance driving safety driving tips employees fire safety flood insurance general business insurance general safety home insurance home maintenance homeowners insurance home safety hurricane season liability insurance life insurance murphy insurance personal insurance personal liability personal property personal umbrella policy premiums renters insurance rmv road rules road safety safety Toys for Tots winter winter weather workers comp workers compensation insurance

Contact Us

  • Contact Us
  • toll-free: 800 222 8711
  • Bolton, MA: 978 779 5566
  • Groton, MA: 978 448 3900
  • Harvard, MA: 978 772 0070
  • Hudson, MA: 978 568 8711
  • Marlborough, MA: 508 485 8211
  • Medway, MA: 508 422 9277

Communities

Murphy Insurance Agency provides insurance solutions across Massachusetts and New England. Where you live is not a barrier to our assisting you. We are proud to serve the communities where our customers live and work, including Acton, Ashland, Ayer, Bellingham, Berlin, Blackstone, Bolton, Boston, Boxborough, Boylston, Chelmsford, Clinton, Concord, Devens, Dunstable, Fitchburg, Foxborough, Framingham, Franklin, Groton, Harvard, Holliston, Hopedale, Hopkinton, Hudson, Lancaster, Leominster, Littleton, Lunenburg, Marlborough, Maynard, Medfield, Medway, Mendon, Milford, Millis, Millville, Natick, Norfolk, Northborough, Northbridge, Pepperell, Sherborn, Shirley, Shrewsbury, Southborough, Sterling, Stow, Sudbury, Townsend, Upton, Uxbridge, Wayland, Westborough, Westford, Weston, Whitinsville, Worcester, and last but not least, Wrentham.

About Us

  • Overview
  • Why Choose Us?
  • Locations
  • Careers
  • Communities Served
  • Meet Our Team
  • Our Values
  • Trusted Choice Agency
  • We’re A Five Star Agency
  • Customer Reviews
  • Share a Review of Us
  • Your Opinion Matters

Get A Quote

  • Quote Overview
  • Auto Insurance Quote
  • Homeowners Insurance Quote
  • Condominium Insurance Quote
  • Renters Insurance Quote
  • Umbrella Liability Quote
  • Valuables Coverage Quote
  • Boat Insurance Quote
  • Business Insurance Quote
  • Employee Benefits Quote
  • Life Insurance Quote
  • Term Life Insurance Quote – Instant
  • Disability Insurance Quote
  • Long-Term Care Insurance Quote
  • Other Insurance Quote

Resources

  • Overview
  • Business Spotlight Series
  • Certificate of Insurance Request
  • Claims Center
  • Client Portal
  • FAQs (Frequently Asked Questions)
  • Forms Center
  • Helpful Links
  • Insurance Companies
  • Insurance Myths
  • Insurance Tips
  • Pay My Bill

Personal Insurance

  • Overview
  • Auto Insurance
  • Motorcycle Insurance
  • Homeowners Insurance
  • Condominium Insurance
  • Renters Insurance
  • Flood Insurance
  • Personal Umbrella Insurance
  • Boat Insurance
  • Recreational Vehicle Insurance
  • Financial Insurance
  • Life Insurance
  • Term Life Insurance
  • Disability Insurance
  • Long-Term Care Insurance
  • Fixed Annuities

Business Insurance

  • Overview
  • Business Continuation Planning
  • Business Insurance Bonds
  • Business Liability Insurance
  • Business Owner Policy
  • Business Spotlight Series
  • Commercial Auto Insurance
  • Commercial Package Policy
  • Commercial Property Insurance
  • Employee Benefits
  • Industry Specialties
  • Workers’ Compensation Insurance

Legal

  • Privacy Policy
  • Terms and Conditions of Use
  • Site Map

Read Our Blog

See all our posts

Recent Posts

  • Halloween Safety Tips with a Side of Insurance Wisdom October 22, 2025
  • October is Cybersecurity Awareness Month: Are You Cyber-Smart at Home and at Work? October 16, 2025
  • Cybersecurity Awareness Month: How Businesses Can Stay Protected in a Digital World October 14, 2025
  • Candle Safety Considerations October 8, 2025
  • Introducing the Murphy Insurance Condominium Owner’s Manual: Your Guide to Preventing Costly Condo Repairs & Damages October 8, 2025
  • Pollution Liability: The Most Overlooked Coverage Your Business Might Need October 6, 2025
  • Road Safety and Wildlife: What Drivers Need to Know October 1, 2025
  • We Did It Again! 5-Time Gold Winners in Quest for the Best September 30, 2025
  • How to Make Workers’ Comp Audits Less Stressful: Tips from Our Business Account Managers September 29, 2025
  • The Benefits of Raising Your Limits September 24, 2025
  • 27 Reasons to Work with Murphy Insurance Agency September 17, 2025
  • What Is a Personal Article Floater—and Do You Need One? September 16, 2025
  • What Is Professional Liability Insurance—and Does Your Business Need It? September 15, 2025
  • 5 Workplace Safety Trends to Watch in 2025 September 11, 2025
  • 5 Risks of Hiring an Uninsured Contractor September 8, 2025
© Copyright 2025 D. F. Murphy Insurance 50 Main Street Hudson, MA 01749 (800) 222-8711 | Website Designed by Elbow Grease Marketing
  • Facebook
  • X
  • Instagram
  • LinkedIn
Understanding Business Owners Policies (BOPs)Understanding Business Owners Policies (BOPs)Social Host Liability: Serving Alcohol at a Party? Be a Responsible HostSocial Host Liability: Serving Alcohol at a Party? Be a Responsible Host
Scroll to top