MD| Bulletin 26-13, issued by the Maryland Insurance Administration, explains how insurers must file forms and rates with the Maryland Insurance Administration (MIA) for commercially insured Equivalent Private Insurance Plans (EPIPs) under the Maryland Family and Medical Leave Insurance (FAMLI) Program, emphasizing that EPIPs must be group, stand‑alone products that include both family and medical leave benefits, match or exceed statutory FAMLI benefits, and be filed in SERFF as combined form/rate submissions using specified TOI codes by September 30, 2026 for a January 1, 2028 effective date, with an MIA‑developed employer policy/certificate template and checklist to follow; it clarifies that self‑funded EPIPs are not filed with MIA, that illustrative pre‑filing quotes are permitted with clear disclosure that rates are tentative and subject to MIA approval, that EPIPs may be bundled (as separate contracts) with other core products such as life or disability income, and that once MIA approves EPIP forms and rates, the Department of Labor’s FAMLI Division will accept that approval as satisfying EPIP requirements without further policy form/rate review.
Home » Bulletins » Maryland Bulletin 26-13: New Guidance Issued on Commercial EPIP Filings, Deadlines, and Bundling Flexibility