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HomeMy WebLinkAboutUpdate Documents - BOCC (006)OO O � O O v O O v O O O O O O I 0 0 0 0 0 0 0 c o ° O ° o ° 0 0 0 0 0 At" 0 , O O 0 0 0 0 HUB o ° 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 c Risk & Insurance I Employee Benefits Retirement & Private Wealth O O O O O O o ° Q ° O O o O o ° ,° o 0 o o o O o � ° o ° °. o o U O U O O O O ° O ° O o O c o ° O O 202!5 431:prant (:ounty o O 0 � 0 Health Plan Update 0 Presented by: Dan Fisher — Sr. Vice President, Regional Benefit Strategist Kathy Rheaume — Sr. Vice President, Employee Benefits a�4e Oarlock —Account Executive, Employee Benefits 202=HUa International Limited. Agenda © 2025 HUB International Limited. Financials F 3 Risk & Insurance I Employee Benefits I Retirement & Private Wealth Grant Countv Financial Summary 1/1/2025 - 12/31/2025 $250k ISL Sun Life PAID Contracts 125% Aggregate Margin Med/Rx under Spec & A '• `• • me • • - •-• • • • $1,095,638 $61,707 -- $33,995 • Via:>>; i • • $43,170 $160,721 $766,806 ($80,022)3g2024 $1,163,31 1 $1,155,781 $1,121,533 $1,238,689 283 281 335 333 618 614 609 606 $1,816.10 $2,018.35 - • $1,075,787 $1,078,220 $60,768 $61,067 $33,507 $33,671 $43,909 $66,346 $20,371 $24,898 $202,006 $162,265 $878,128 $378,807 ($171,629�g2024 ($2,327) $1,167,076 $727,054 285 335 620 613 $1,173.89 • • $1,096,974 $62,263 $34,325 $ 59,951 $14,771 $196,467 $164,256 $594,256 $1,193,933 ($15,295) $1,182,135 1g2025 ($27,970) $1,182,135 $962,033 $1,560,970 294 292 334 336 628 628 620 619 $1,533.13 $ ,8 • $1,'115,630 - $1,096,293 $63,757 $62,462 $34,785 $34.407 $70,697 $51,523 $33,543 $15,332 $190,189 $516,332 ($191,748) $1,185,899 $870,244 293 337 630 622 $1,382..39 $0 $0 0 $0 $0 0 ' $0 $0 0 - • $0 $0 0 • $0 $0 0 $0 $0 0 � Total $6,558,539 $37' ;-)') , $204,689 $347,561 $152,085 $1,075,904 $4,328,261 443,399 45,592 $7,036,336 $6,480,523 1,728 2,010 3,738 3,689 $1,734.92 Current Year Gross Avg PEPM: $94.22 $40.69 $287.83 $1,157.91 Net Total: $5,991,532 Average Net Cost: $1,604.11 Net Rermbursemeni- _. u9.21 $1.145.71 Prior Year Avg PEPM: $87.75 $38.14 $325.12 $1,084.46 Annual Accrual Balance: $567,007 Prior Yr Average Net Cost: $1,579.40 Net Reimbursements $248.32 $1, 040. 2, 2% Percentage Change: 7% 7% -11% 7% 1 YTD Estimated Reserve Balance: $6,411,62 Opening Benefit Reserve Fund Balance (includes Interfund): $5,844,625 .=lore-d w120z.__ y + #.:...W tc s t3aji:€w'�-e `' _; cei" r Prescription Pd Claims $1,075,904 16% Visio Dental Ad Ai Stop St Confidential 7/18/2025 Medical Pd Claims $4,328,261 62% 5 Grant County Financial Summary 1/1/2024 - 12/31/2024 S250k ISL Sun Life PAID Contracts 125% Aqcireqate Margin Med/Rx under Spec 8 A .. y_ • $1,033,936 $62,608 $33,022 $47,2.86 $37,085 $225,723 $616,588 ($1,392)Previous Contract $1,153,899 $1,022,31 1 293 320 613 612 600 600 $1, 669.39 $1,323.23 - • $1,007,963 • $1,003,726 $66,727 $66,727 $32,489 $32,489 $62.,049 $4 6,9 4-8 $27,579 $35,954 $169,918 $241,837 $449,813 $625,291 $1,152,017 ($202,414�Q2023 + Prev Contract $1,146,369 $808,574 $1,049,245 295 294 317 315 609 597 $1,724.45 . • $1,01 1,730 $67,277 $32,756 $ 5-2,821 $13,014 $170,681 $615,979 $1,161,428 '23 $952,529 298 319 617 624 605 612 $1,545.50 $1,798.93 • $1,044,230 $69,479 $33,827 $70,697 $27,639 $189,066 $730,439 ($6,340)RxB Perf Gua. Shortfall $1,174,605 $1,121,148 300 324 - $1,039,165 $68,488 $33,345 $54,81 9 $13,781 $134,759 $654,182 ($200,993)iQ2024 $1,159,546 $959,375 294 322 616 604 $1,559.19 $1,020,301 $66,837 $32,542. $4 3,884 $14,316 $265,108 $491,931 ($31,305) '23 True up $1,161,428 $914,618 294 323 617 604 $1,483.89 . • $1,029,901 $68,488 $33,344 $67.645 $21,098 $170,202 $661,687 $1,168,958 $1,022,464 300 321 621 601 605 $1, 650.10 $1,604.42 - . $1,035,155 $61,040 $33,452 $ 5 6,8 i = $12,872 $231,861 $594,275 ($126,977FQ2024 ($3,735) $1,163,31 1 $990,309 302 316 618 $1,016,701 $67,938 $33,076 $62,397 $18,824 $197,163 $691,468 $1,174,605 $1,070,865 306 318 624 612 $1,718.09 • $1,029,198 $68,599 $31,404 $47 AOCj $32,284 $28,355 $219,149 $195,005 $871,251 $1,037,284 ($56,726) $1,168,958 ($267,580) $1,170,840 $1,270,091 $1,41 1,326 304 306 317 316 621 622 608 609 $2,046.87 $2,270.66 - $1,026,237 Total $1 ?,298 245 $69,039 $33,626 $395,372 $4=1,1:)18 $660,780 $282,801 $2,410,471 $8,040,187 ($569,422) ($328,041 $13,955,965 $12,592,857 3,586 3,828 7,414 7,257 $1,700.45 Current Year Gross Avg PEPM: $91.05 $38.14 $325.12 $1,084.46 Net Total: $11,695,394 Average Net Cost: $1,579.40 Net Rc --rents $248.32 $1,040.21 Prior Year Avg PEPM: $87.75 $40.42 $348.62 $1,019.72 Annual Accrual Balance: $602,851 Prior Yr Average Net Cost: $1,483.12 5210.13 Percentage Change: 4% -6% -7% 6% 1 YTD Estirnated Deserve Balance: $5,844,625 6% Opening Benefit Reserve Fund Balance (includes Interfund): $5,241,774 :=Ure: V-Vi.20,24 F0 Es If-5aja rice o=I t • _ =.v� : „<A �,,i .�.f • „f Prescription Pd Cla' $ 2, 410, 471 18% Vision Pd Claims $282,801 2°% Dental Ad $1 Ad Stop St Medical Pd Claims $8,040,187 60°% Confidential 7/18/2025 Ending Plan' Year Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Jun-25 Gross Plan Stop -Loss Costs Reimbursements $911231617 $824,077 $1011141532 $838,692 $918721925 $111987526 $81663,387 $0 $101761,055 $379,515 $10,266,010 $391,733 $1113381087 $260,447 $1115431055 $4691076 $1118761923 $2211412 $1215921857 $328,041 $61480,523 $45,592 Grant County Health Plan Experience January Renewal Average Prescription Net Plan Total Employees Monthly EE Average Gross Average Net Percentage Rebates Costs Covered Count Cost per EE Cost per EE Change $0 $87299,540 7114 593 $11282.49 $11166.65 $0 $912751840 7163 597 $1,412.05 $1,294.97 11 % $0 $81674, 399 7202 600 $11370.86 $11204.44 -7% $172,202 $814911185 6962 580 $11244.38 $17219.65 1 % $227,038 $107154,502 7235 603 $11487.36 $1,403.52 15% $3227520 $9,5511757 7170 598 $11431.80 $11332.18 -5% $286, 531 $1017912109 7198 600 $11575.17 $12499.18 13% $552,803 $1015211176 7137 595 $1,617.35 $1,474.17 -2% $996,459 $1016591052 7195 600 $11650.72 $1,481.45 0% $569,422 $1116951394 7414 618 $11698.52 $11577.47 6% $443,399 $519911532 3738 623 $11733.69 $11602.87 2% 20151 2016 & 2017 plan cost does not include Dental 2018 Forward - SF Dental included in financials 2018 First year unbundled WHMA & HUB 2023 First year with RxBenefits Avg % change since 2018 4% 0 rant (,,,,,oL,.jnty Average NET Cost PEPM 2025 a6 mos) --- 0-7 2.0/ 2024 $1,577.47 2023 &,,, ------ 11M.45 $11 2022 $1,474.17 2021 Ile 1 4 9 9. 18 2020 $11332.18 2019 -1 $1,403.52 2018 $1,219.65 2017 - ----- - $11204.44 2016 ff $11294.97 2015 $1,166.65 t'E Its I At t'E t 4% 8 i 14 '% s A%s a -1. • t ' -4%s � .1W 10 . ■ Executive Suary 0 HUB :a�w�a�h�o�a�mwa�awaw���wwa�si��w��a�w��iau��wtwu���wua��amwwo. � o�a���u�uarma�aeamua ��.ww::w�:a� owkav�a�a�*iw��cva�a'+uu Highlights of this Report • This report includes claims, enrollment, premium and utilization information for the medical/Rx, dental, and vision plans • The summary below includes Medical/Rx plans only • Per -capita actual costs (claims + fixed cost) in June 2025 are up 1 % compared to the prior plan year • The actual cost to budget loss -ratio is 92.4% through June 2025 • There are two large claimants over the $125k reporting threshold; the 2025 individual stop loss deductible is $250k • Rx claims have accounted for 13.4% of net claims; industry average is approximately 20-30% e Historical Cost Summary Year:Plan Enrolled Employees 599 618 623 Total Members 17266 � 11285 � 11323 Total Actual Costs $9,770,273 ' $10,789,073 $5,497,196 Accruals $1016021509 $1111621119 $57947,217 Employee Contributions $111562572 $17190,326 $6231917 Loss Ratio 92.2% 96.7% 92.4% $1,800 $1,600 $1,400 $1,200 $1,000 $800 $600 $400 $200 $0 kr- .. , ....... , ._. Chart Shows PEPM 2023 2024 2025 Total Actual Costs #I Accruals Employee Contributions I, Medical Plans 0 HU13 Plan YTD I January 2025 through June 2025 Plan YTD Total Actual Cost vs. Budget C'n n n n 92.4% Loss Ratio ($450,021 surplus) Note on Loss Ratios: Actual s include all costs associated with the se -f . fed plans: Medical/Rx claims Administration Individual p loss premium Aggregate stop less premium Brokerage fees + Budget ° c des the same components and is set in advance of the plan year 10 �- AL AL qk- IL C is C 6 WF V W V V•• AF ,,. Medical Plans Q HUB Plan YTD I January 2025 through June 2025 289 Plan YTD I Enrollment * Employee Only * Employee + Spouse * Employee + Child * Employee + Children Employee + Spouse + Child * Employee + Spouse + Children I Employee Contributions so Employer Actual Cost Plan YTD 188.7% ER Share Notes and Observations: ../ Employees have shared in approximately 11.3% of costs -./ Most of the enrollment (54%) is in the family coverage tiers v/ The average family size is approximately 2.12 members M 2026 Projections 4 Risk & Insurance I Employee Benefits I Retirement & Private Wealth Grant County Q NUB -------------- Self-Funded Medical Plan I Projection Summary * Items marked with an asterisk indicate renewals assumed by HUB Experience Period Weighting Benefit Category Medical Rx 70% on Jul 2024 - Jun 2025 30% on Jul 2023 - Jun 2024 0% Manual Claims Trend Margin 9.0% 4% 12.0% 4% Floating - (2 Months Method) Claims Only $1,843,019 Total Cost (Including Fixed Costs)i $2,064,241 IN Grant County Self -Funded Dental Plan Projection Summary * Items marked with an asterisk indicate renewals assumed by HUB Assumptions 70% on Jul 2024 - Jun 2025 Experience Period Weighting 30% on Jul 2023 - Jun 2024 0% Manual Claims Benefit Category Trend Margin Dental 4.5% 3% ReserveFloating Montht # Claims Only $57,021 Total Cost (Including Fixed Costs) $62,638 16 d Grant County Self-Funded Vision Plan I Projection Summary i * Items marked with an asterisk indicate renewals assumed by HUB Assumptions 70% on Jul 2024 - Jun 2025 Experience Period Weighting 30% on Jul 2023 - Jun 2024 0% Manual Claims Benefit Category Trend Margin Vision 4.0% 3% Floating Reserve Estimate Month Method) Claims Only $28,887 Total Cost (Including Fixed Costs) $29,332 17 IPW• • • • • • • / IM • • • • • • • ,. ✓ • • • • Pi • • • • •. • • • to 3 3� i � I�� I i T TT��b� � i I Demographics HUB Employee Demographics Grant County County Governments 500-999 employees National 500+ Government 500+ Average Age 44 44 44 43 43 Female (% of Employees) 52% 52% 42% 43% 43% Average Salary $807095 $597277 $987390 $967253 $697252 Waivers (% of Employees) 3% 13% 19% 20% 12% In a Union (% of Employees) 58% 26% 7% 7% 42% 14 4) 20251HUB 1r,,terriational Lhnnited. Source: 2024 MeZ4r National SLjtvey of Ernployer-Sponsored Health P-.1ans: "ID" = lnstlfficiendData 2025 Projected Gross Medical/Rx Costs Per Employee Per Year (PEPY) R Grant0 $0 $0 ount 19,312 I fl County Governments 500-999 employees $17v846 Ito 00 Government 500+ � .:. s 2 5 HUB 4 ns.,.r € E : ai o @ : a l L i n f ? 1 E) d , Source: 2024 Mercer t ��, , Ir)sufficient Data: 2024 trended b ttie r"PIO 2025 expected 10 increase after plan changes qpqpqp wlwwojpwwow J J a a 4 1 -5 3 i� T 3 ���i��i' Strategy -Plan Offerings HUB Plan Offerings Grant County County 500-999 National 500+ Government 500+ Governments employees Medical (% of Employers Offering / % of Employees Enrolled) PPO Yes 85%/65% 90%/53% 90%/49% 91%/69% HSA N/A 49%/21% 82%/39% 84%/39% 47%/9% HMO N/A 19%/12% 21%/5% 28%/7% 18%/20% EPO N/A 6%/3% 10%/3% 12%/5% 10%/1% Avg. # Plans Offered 2 3 3 3 2 17 1 (�� 2025 HUB Internationial Lin,,Oted, Source: 2024 Me;4r National Survey of Employer ,sponsored Health Plans; "Ili'" = Insufficient Data A 2025 Projected Gross Dental Costs Per Employee Per Year (PEPY) $1 g295 Grant County 4t R A A $935 County Governments 500-999 employees *2024 w2025 National 500+ $862 Government 500+ 24 2025 HUB International Limited, Source.- 2024 Mercer National Sturvey 2,,ft-riployer-, Spon sore d Health Plans.; "ID �g = ItISLIfficient Data `- 2024 trended by the 2025 expected % increase after pla" changes Persona Analysis 6 Risk & Insurance I Employee Benefits I Retirement & Private Wealth - - - - - - . . . . . . k _ . Your Culture -More Details Service 2024 FWB InternatKo-inal Lffnited. NOTE: Clusters are used on Age and Years cf Service 27 0 HUB Total Employees Avg Salary $809095 Contributions as 2.6% 0 j 1.1,0 of Salary OYO of Single 45.9% Cover -age of Waivers 3.6/6 Q HUB 77 Potential Population Changes Based on Age - Current Year+S O HUB 7 +3 in I L ABOR POO 3 waived employees will turn 269 losing the ability to be covered under their parent's plan. These individuals have a high likelihood of joining you. r Medical plans 69 enrolled employees will reach or are already 65, potentially leaving the Medical plan for other coverage such as Medicare. *'I] 2024 i-i,,,JIB finternational I i ed 28 Demographic Analysis Grant County demographic data broken down by plan. %EEs Male %EEs Female %EEs GND Medical Plans All 2025 Medical Core 18 3% 37 22.2% 4 100.0% $43,344 0.87 0.82 P/T 2025 Medical Buy - Up 206 33% 48 40.3% 11 48.1% $84,665 114 0.82 2025 Medical Core 384 62% 41 55.2% 7 41,1% $80,317 0.88 0e82 HUB Total Enrolled 615 96% 44 48,8% 9 45.9% $80,375 0.97 0.82 r"Is'l Waiver Z15 4% 44 34,8% 7 $72,618 1.04 0�82 Grand Total 638 '100% 44 48.3% 9 $80,095 0,98 0.82 Green line represents the youngest and red 11 the oldest population TemographiclGeographic Factors: 1.00 is average risk; Above 1.00 is higher dsk Below 1. 00 is lower risk "Genders considered are Male, Female and Gender Not Disclosed (GND). GND category includes Declined to Answer and Something Else. 2024 FRJB "natIonal brnte,,d, 29 0 HU13 post Open Enrollment Migration 'Total yoy Total Enrolled gTotal Enrolled Last Year oTotal Enrolled This Year 394 384 213 206 2025 Medical Buy -UP 8 7 2025 Medical Buy -Up R7 2025 Medical core Plan Name 18 2025 Medical Core PIT Current Year post OE Last Year Pre OE % Enrolled Medical Plan Enrolled % Covering e % Enroll cf". Medical Plan Enrolled % Covering tHs year D eDendents this year last year Dependents last year Ab, 52% 33% 1 % 2025 Medical Buy -UP 206 % 2025 Medical i§uj-UP 8 2025 Medical Buy -Up 7 P/T 2025 Medical Core 16 3% PIT 2025 Medical Core 384 59% 62% 3% P/T 2025 Medical Buy -Up 213 51% 34% 2025 Medical Core 18 2025 Medical Core 394 52% 62% 100% 1 R,T Total 615 54% Total 631 50% Medical Plans All 0 HUB Medical Plan YoY Change Enrolled Employees 2025 Medical Buy- c\l/ _0% Up 2025 Medical BUY- 4�' -0% Up P/T 2025 Medical Core _0% 2025 Medical Core 0% P/T HUB HI HR Inter nation3al bn­ited .7 Effectively Engage, Communicate &Deliver by Generations Gen Alpha 12 % of Ticital Workforce 0%: EEs 10%: 64 EEs 37%: 233 EEs 39%: 246 EEs 15%: 95 EE-S N/A Most Common Plan 2025 Medical Buy -Up 0% 2025 Medical Buy -Up 59% 2025 Medical Core 59% 2025 Medical Core 68% 2025 Medical Core 7110 N/A Of Enrolled: % EE only 0% 56Yo 33% 47% 67% N/A Communication strategy In-Person/Mail In-Person/Hand-Held Hand-Held/Virtual Electronic Preferred Bite -Sized; Asynchronous Exclusively digital Focus/Goals Healthy and productive at work until Providing for family & retirement. Buying larger homes, supporting Career advancement, affording Skill acquisition, financial Family, friends, acceptance, ready to retire Still holds significant student debt families, securing financial future family -sized housing, living expenses independence, erasing debt education (secondary borrower) Distractions/Well-Being Retirement readiness, health, aging, Aging -adult care, launching Childcare, time, affordability Family forming, anxiety, debt Nearly 5 hours a day in screen time. adult care dependents, health Most diverse gen in US history. Medic@1 Benefits Likes choice (PPO) but cart afford Likes choice (PPO) but can afford Likes choice (PPO) HDHPor low-cost option (HMO) If not on parent's plan (70% <26) (HDHP); likes HSA savings retirement (HDHP),- likes HSA retirement savings prefers lowest cost option option option Prevalent Medical Conditions Hypertension, Steep Apnea., Hypertension, Sleep Apnea, Back and Sleep Apnea (M), Anxiety (F), Anxiety, Alcohol Dependence (M), AutiSm, Pharyngitis, Respiratory Diabetes, Prostate Cancer (M), Neck. Pain, End Stage Renal (M), Hypertension (M), Neck and Back Neck Pain (F), Pharyngitis, Back Pain, infection, Fever, Strep Throat (M), Hypothryroidism (F), End Stage Urinary Tract Infection (F), Tosticular Pain, Fatigue (F) Depression (F) Anxiety (F) Renal (M), Sepsis (F) Hypofunction (M) Voluntary/Disability ID Theft, permanent life, Cl, LTD Term Life, Cl, ID theft and LTC, Cl, Accident, Possession Possession protection/warranty, ID Theft, Possession Disability — Values coverage protection/warranty, needs disability Financial wellness, personal coaching, protection/warranty, financial but increasingly expensive student debt, ID Theft, should wellness, student debt consider LTD, Life Coverage Considerations Permanent Life insurance, Retirement Perm Life, ER Paid LTD, IDI, Paid Maternity/Paternity, Pet Family forming benefits, Divorce Debt education and repayment, Retirement, Medicare awareness Insurance, Childcare support, ER Paid coaching, Childcare support, Student incenting better choices, Pet LTD, IDI, Student loan repayment, 529 debt repayment, ER Paid LTD, Pet Insurance Savings Insurance (M) Male, (F) Female 31 n ICY Ar- LilleaAA aleA'Jd 'S luawaJ'108 I SilliaLlae aaAoiduig I a:)uejnsul g MsiH . . . . . . . . . . ......... epdn uelid 0 %-,0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 D 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 IF -T WWW, AM 41W Gag Clause -Attestation Requirements Purpose: Prohibiting health plans from entering contracts with TPAs, 'insurance carriers, networks, to a and service proviaers or others that inhibit a plans right to know cost or quality of care 'Informations When:. 31 t 2025, rieportino, death nfor the 2025 calendar year. What must the plan attest to: 1. Restrictions on the disclosure of provider -specific cost or quality of care information or data to referring providers , the plan sponsor, participants, beneficiaries, or enrollees or individuals eligible to become participants, beneficiaries, or enrollees of the plan or coverage-, 2. Restrictions on electronic access to de -identified claims and encounter information or data for each participant, beneficiary, or enrollee upon request; and 3. Restrictions on sharing information or data described in (1) and (2), or directing that such information or data Via, shared, with a business associate, as defined in 45 CFR 160.103, consistent with applicable privacy regulations, How is the attestation submitted? Via the HIOS site Gag Clause Attestation I Welcome! (cms-gov) Action Item: Confirm if your medical insurance carrier, medical TPA and PBM will be filing the gag attestation on behalf of your group health plan or if you will have to report on behalf of your plan " 2024 114MB International Limited, 35 Q HUB Medicare Part D - Proposed Simplified Determination 2 a 0*0 tions to the Medicare PartU sFT'P""1u-u d CMS releasea draftsi-020--sal of moclitica0— a 11 1 — —. \/e% r e) (I e) f; 2,924 HUB International 11-in"ited. 1-5 tD Washington State Update � Paid Family & Medical Leave Washington Expands Paid Family and Medical Leave ProtectionsEffective January 1, 2026 o can May 17, 2025 Ho Bill 1213 wassigned into law, significantly expanding protections uncle Washington I�. ai Family and ed cal Leav � � ML) pro am. The amen d roe s � take effect on January 1, � 6. �. hupdat outlines the bill simpact o employer oyer obligations implementation timeline, and next steps for compliance. Key changes: Job Protection: Employer Size Applicability Current law: Employers with 50+ employees are subject to job protection requirements during leave taken under WA PFML. Amended law: Through HB 1213, job protection requirements significantly expand to nearly all employers by January 1, 2028. The amended WA PFML provisions outline a phased approach, expanding job protection applicability to employers of decreasing size under the below timeline: January 1, 2026 — December 31, 2026: Employers with 25+ employees January 1, 2027 — December 31, 2027: Employers with 15+ employees January 1, 2028, onward: Employers with 8+ employees Job Protection: Employee Eligibility o Current law: Employees must have worked 1,250 hours in the 12 months prior to WA PFML leave commences. o Amended law: Employees must have worked for their employer for at least 180 calendar days (eliminates hourly threshold entirely). Minimum Leave Period Reduction Current law: Minimum claim period of 8 consecutive hours. Amended law: Minimum claim period of 4 consecutive hours. 37 Washington State Update � Paid Family & Medical Leave Washington Expands Paid Family d Medical Leave Protections Effective nu r , 2026 Continuation of Health Benefits Current law: Health benefits must be continued if WA PFML leave overlaps with FMLA for at least one day. ►nnende law: Health benefits must be continued during any period the employee is entitled to job protection. Notification Requirements Current law: Employers must provide state -approved one -page written notice of employee rights under WA PFML within 5 business dayafter the 7th calendar day of absence due to family or medical leave, or within 5 business days y after the employer has received notice that the employee's absence is due to family or medical leave, whichever is later. Amended law: Employers must provide written notice within 5 business days of a leave request. For leaves exceeding 2 continuous weeks or 14 intermittent days, employers must provide at least 5 business days advance notice of: Estimated end of job protection rights Date of employee's first scheduled workday Concurrent Leave Provisions Current law: Employers must provide state -approved one -page written notice of employee rights under WA PFML within 5 business day after the 7th calendar day of absence due to family or medical leave, or within 5 business days after the employer has received notice that the employee's absence is due to family or medical leave, whichever is later. Amended law: Employers can count unpaid FMLA leave toward the PFML job protection period for leave that also qualifies under WA PFML. Employers must provide specific written notice to employees within 5 business days when counting unpaid leave toward maximum job protection periods. r *]allll i" I