[Senate Hearing 118-735]
[From the U.S. Government Publishing Office]


                                                        S. Hrg. 118-735

                EXPLORING PAID LEAVE: POLICY, PRACTICE, 
                      AND IMPACT ON THE WORKFORCE
=======================================================================

                                HEARING

                               BEFORE THE

                          COMMITTEE ON FINANCE
                          UNITED STATES SENATE

                    ONE HUNDRED EIGHTEENTH CONGRESS

                             FIRST SESSION

                               __________

                            OCTOBER 25, 2023

                               __________
                                                                       

            Printed for the use of the Committee on Finance
            
[GRAPHIC NOT AVAILABLE IN TIFF FORMAT]

                                __________

                   U.S. GOVERNMENT PUBLISHING OFFICE                    
61-896-PDF                  WASHINGTON : 2025                  
          
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                          COMMITTEE ON FINANCE

                      RON WYDEN, Oregon, Chairman

DEBBIE STABENOW, Michigan            MIKE CRAPO, Idaho
MARIA CANTWELL, Washington           CHUCK GRASSLEY, Iowa
ROBERT MENENDEZ, New Jersey          JOHN CORNYN, Texas
THOMAS R. CARPER, Delaware           JOHN THUNE, South Dakota
BENJAMIN L. CARDIN, Maryland         TIM SCOTT, South Carolina
SHERROD BROWN, Ohio                  BILL CASSIDY, Louisiana
MICHAEL F. BENNET, Colorado          JAMES LANKFORD, Oklahoma
ROBERT P. CASEY, Jr., Pennsylvania   STEVE DAINES, Montana
MARK R. WARNER, Virginia             TODD YOUNG, Indiana
SHELDON WHITEHOUSE, Rhode Island     JOHN BARRASSO, Wyoming
MAGGIE HASSAN, New Hampshire         RON JOHNSON, Wisconsin
CATHERINE CORTEZ MASTO, Nevada       THOM TILLIS, North Carolina
ELIZABETH WARREN, Massachusetts      MARSHA BLACKBURN, Tennessee

                    Joshua Sheinkman, Staff Director

                Gregg Richard, Republican Staff Director

                                  (II)
                                  
                            C O N T E N T S

                              ----------                              

                           OPENING STATEMENTS

                                                                   Page
Wyden, Hon. Ron, a U.S. Senator from Oregon, chairman, Committee 
  on Finance.....................................................     1
Crapo, Hon. Mike, a U.S. Senator from Idaho......................     3

                               WITNESSES

Frye, Jocelyn, president, National Partnership for Women and 
  Families, Washington, DC.......................................     5
Verhoeven, Ben, president, Peoria Gardens, Inc., Albany, OR......     6
Milito, Elizabeth, executive director, Small Business Legal 
  Center, National Federation of Independent Business, 
  Washington, DC.................................................     8
Greszler, Rachel U., senior research fellow, Grover M. Hermann 
  Center for the Federal Budget, The Heritage Foundation, 
  Washington, DC.................................................     9

               ALPHABETICAL LISTING AND APPENDIX MATERIAL

Crapo, Hon. Mike:
    Opening statement............................................     3
    Prepared statement...........................................    35
Frye, Jocelyn:
    Testimony....................................................     5
    Prepared statement...........................................    36
    Responses to questions from committee members................    53
Greszler, Rachel U.:
    Testimony....................................................     9
    Prepared statement...........................................    55
    Responses to questions from committee members................    69
Milito, Elizabeth:
    Testimony....................................................     8
    Prepared statement...........................................    71
    Responses to questions from committee members................    75
Verhoeven, Ben:
    Testimony....................................................     6
    Prepared statement...........................................    76
    Responses to questions from committee members................    77
Wyden, Hon. Ron:
    Opening statement............................................     1
    Prepared statement...........................................    79

                             Communications

A Better Balance.................................................    81
A Better Balance et al...........................................    91
American Benefits Council........................................    98
Caring Across Generations........................................   103
Center for American Progress.....................................   105
Center for Law and Social Policy.................................   107
Center for Public Justice, National Association of Evangelicals, 
  and Mormon Women for Ethical Government........................   112
Count on Mothers.................................................   114
Democrats for Life of America....................................   117
The ERISA Industry Committee.....................................   118
Etsy, Inc........................................................   121
Family Values @ Work et al.......................................   122
HR Policy Association............................................   126
IBM Corporation..................................................   128
Martinez, Jackie.................................................   130
MomsRising.......................................................   130
National Council of Jewish Women.................................   131
National Organization for Women..................................   133
National Partnership for Women and Families......................   136
National Women's Law Center......................................   142
New America, Better Life Lab.....................................   146
1,000 Days.......................................................   152
Oxfam America....................................................   153
PHI..............................................................   155
Reproductive Freedom for All.....................................   157
Small Business Majority..........................................   159
Third Way........................................................   161
UnidosUS.........................................................   163
U.S. Breastfeeding Committee.....................................   166
United States Conference of Catholic Bishops.....................   168
Valle-Gutierrez, Laura...........................................   170
ZERO TO THREE....................................................   171

 
  EXPLORING PAID LEAVE: POLICY, PRACTICE, AND IMPACT ON THE WORKFORCE

                              ----------                              


                      WEDNESDAY, OCTOBER 25, 2023

                                       U.S. Senate,
                                      Committee on Finance,
                                                    Washington, DC.
    The hearing was convened, pursuant to notice, at 10:07 
a.m., in Room SD-215, Dirksen Senate Office Building, Hon. Ron 
Wyden (chairman of the committee) presiding.
    Present: Senators Stabenow, Menendez, Casey, Whitehouse, 
Hassan, Cortez Masto, Warren, Crapo, Thune, Cassidy, Johnson, 
Tillis, and Blackburn.
    Also present: Democratic staff: Drew Crouch, Senior Tax and 
ERISA Counsel; Sam Conchuratt, Professional Staff Member; 
Rebecca Nathanson, Senior Domestic Policy Advisor; and Joshua 
Sheinkman, Staff Director. Republican staff: Jamie Cummins, 
Senior Tax Counsel; John Kashuba, Counsel; Lara Rosner, Social 
Security Policy Advisor; Becky Cole, Chief Economist; and Gregg 
Richard, Staff Director.

   OPENING STATEMENT OF HON. RON WYDEN, A U.S. SENATOR FROM 
             OREGON, CHAIRMAN, COMMITTEE ON FINANCE

    The Chairman. The Finance Committee meets this morning to 
talk about a pressing issue: paid leave. And I am sure as we 
begin, people want to know, so why are you holding this 
hearing? The reason we are is because low- and middle-income 
workers are falling through the cracks in our economy, and 
these are hardworking Americans--construction workers, nurses, 
cashiers--and they are all trying to juggle work obligations 
and still be there for families who need them.
    The American people understand this and know what is needed 
to make sure that everybody in our economic system has a chance 
to get ahead. According to poll after poll, 70 percent of 
Americans want national paid leave. They know that too often 
without it, workers are forced to make the impossible choice of 
a paycheck or caring for a loved one in need.
    Paid leave is so crucial to many American workers that a 
recent poll from the Bipartisan Policy Center showed that paid 
family and medical leave benefits are as important as pay when 
considering starting or returning to work. Americans want to 
work--let me emphasize this. And our colleague from Ohio, 
Senator Brown, if you are friends with him, he says that a 
couple of times a day, and he is absolutely right.
    Americans want to pay their bills, they want to provide for 
their families, but we all know sometimes life intervenes, and 
sometimes you've got to be there for your family. In fact, that 
same Bipartisan Policy Center poll shows that 72 percent of 
Americans who are not currently working say that it is because 
these family personal challenges intervene--health, caregiving.
    Congress talks an awful lot about how to deal with the 
worker shortage crisis. Today, we are going to talk about an 
opportunity to do something about it. If a nation as powerful 
and prosperous as ours sits on this issue, we are going to have 
to have an answer to the fact that somehow the United States is 
the only developed nation in the world without a national paid 
leave program.
    Today, only one out of four workers in America have access 
to paid leave. There has been progress, but 14 States and the 
District of Columbia are really about it. So, there is a lot 
more to do, and I believe America has an opportunity to better 
support workers and better support our economy.
    If I were to sum up our challenge--and I am looking at Mr. 
Verhoeven from Albany, OR, because they kind of embody this 
thinking. We ought to be doing what my mom always said: take 
out your sharpest pencil and get to work on solving an issue 
like this, where you bring together people on both sides of the 
aisle, businesses of various sizes, and communities. And by the 
way, Oregon can give you some pretty good tips, which is why we 
are so thrilled to have Ben Verhoeven here today.
    Ben owns a small farm in Albany, OR, and if you are looking 
for a place on the planet where residents are good at taking 
out a sharp pencil and solving problems, making things work, 
all you have to do is look at Albany, OR.
    So today, you are going to hear Mr. Verhoeven say that 
providing paid leave has helped him hang on to extraordinary 
workers and helped his business grow and thrive. He is going to 
tell us how back home the government began to work in this 
area, and he was able to do even more to help his employees, 
and it was straightforward and affordable.
    His story to me is an illustration of what we can do if we, 
as a committee--and my colleagues here have all been part of 
this--sit down and represent how to solve a problem in a 
bipartisan way. Too many workers are falling between the 
cracks, and paid leave is a missing piece of our agenda.
    The last point I am going to make as I am looking at the 
dais is, our colleagues of both political parties are 
constantly saying our biggest job--our biggest job--is to 
compete against China. Well, I want to close by saying smart 
paid leave policies can add vast sums of economic growth to the 
American economy. And we can do it if we come together, say our 
focus is to out-compete China, and put in place policies that 
leverage our economy at all levels, which is to give workers 
the chance, when they have to be with family, to take that time 
and be there for their communities and their jobs at other 
points in their life.
    So, we are really pleased that we are going to have a great 
panel. I appreciate my colleagues. We've got both sides 
represented here, and that is what you need to come up with 
some solutions. And I recognize my friend, Senator Crapo.
    [The prepared statement of Chairman Wyden appears in the 
appendix.]

             OPENING STATEMENT OF HON. MIKE CRAPO, 
                   A U.S. SENATOR FROM IDAHO

    Senator Crapo. Thank you, Mr. Chairman. This is an 
important hearing, as nearly every working American will need 
to take leave from work at some point in their career. The 
Finance Committee has previously explored this topic, including 
holding a subcommittee hearing in 2018 and convening a paid 
leave working group organized by then-Chairman Grassley and 
Chairman Wyden.
    I was a member of that bipartisan working group, which 
sought to find the most sustainable path forward on paid leave 
policies. As I noted at that time, I am committed to addressing 
the needs of working Americans, both inside and outside the 
home, while also ensuring that businesses have the flexibility 
they need to succeed, particularly in today's challenging 
economy.
    As we will hear today, paid leave can greatly benefit 
workers and their families, from improving employee morale to 
helping families meet caregiving responsibilities. However, 
there are many approaches to expanding paid leave, and the 
details matter.
    Employers across the country are struggling to fill vital 
roles in their organizations, with nearly 9.6 million jobs 
remaining unfilled nationally. In a recent survey from the 
National Federation of Independent Business, 43 percent of 
small business owners reported job openings they could not fill 
in the current period. In light of these workforce challenges, 
Congress must be careful not to interfere with employers' 
existing paid leave offerings, which play an important part in 
their efforts to recruit and retain workers.
    According to the Bureau of Labor Statistics, in 2023, 78 
percent of private-sector workers have access to paid sick 
leave and 79 percent have access to paid vacation. 
Additionally, 73 percent of small employers offer paid time off 
to the majority of their full-time employees, and 67 percent 
offer 2 weeks or more of leave.
    Imposing a one-size-fits-all paid leave program could 
actually limit employers' ability to offer paid leave policies 
that meet the unique needs of their workforce--or significantly 
diminish existing employer-provided paid leave altogether.
    Creating a new Federal paid leave program also raises 
questions about implementation challenges and costs to 
taxpayers. States' experiences standing up paid leave programs 
illustrate some of the challenges that a new Federal program 
could face. Several States that have enacted paid leave 
programs have had difficulty setting up even the most basic 
components of the program, leading to implementation delays.
    For example, applicants in multiple States have experienced 
delays with getting their claims approved, with processing 
times in one State expected to increase from about 5 weeks to 4 
months by 2025, absent additional staffing.
    One State has had to repeatedly increase the revenue going 
to the program to avoid a funding deficit. And in another 
State, analysts have raised concerns that revenues may be too 
low to pay future benefits.
    Even though there are many challenges on this topic, the 
bipartisan work that continues from members on and off this 
committee shows the importance of the issue.
    I appreciate our witnesses being here today, and I look 
forward to your testimony to help us thread this needle.
    Thank you, Mr. Chairman.
    [The prepared statement of Senator Crapo appears in the 
appendix.]
    The Chairman. I thank my colleague, and you know, my 
colleague raises a number of questions that I think there is an 
opportunity to find some common ground on. And that is what we 
ought to do today. I mean, the issue of flexibility, that is 
indisputable. We want to recognize that different parts of the 
country are different, and we want to work to make sure we 
wring out every dollar that we have for this important cause 
and be efficient.
    So, I will look forward to hearing the ideas of colleagues 
here in a moment. Let's introduce our witnesses.
    Jocelyn Frye has been a special friend of the Finance 
Committee and given us good counsel for so long. She is 
president of the National Partnership for Women and Families, 
the first Black woman to head the National Partnership. She is 
a recognized expert in this field, and if ever there was a 
Wonder Woman prepared to kind of bring people together around 
good ideas, it is our friend Jocelyn Frye, JD. She is also a 
native of Washington, DC, raised by two parents who also worked 
in government, and we appreciate her leadership.
    Next, Ben Verhoeven, my constituent, father of three, and 
an important voice in Oregon as a small business owner. He is a 
second-generation farmer and president of Peoria Gardens, a 
family-owned wholesale greenhouse in Albany. They specialize in 
flowers and vegetable starts. He has 26 year-round employees, 
24 seasonal employees, and he has made it a priority--a 
priority--for this small business in Albany, OR, colleagues, to 
have access to paid leave. He is going to tell us how he is 
making it pencil out, and that is, I think, a big part of why 
his contribution is so important.
    Then we will have Elizabeth Milito. She is with the 
National Federation of Independent Businesses. Ms. Milito, 
great to have you. We have worked with you all often on many 
issues.
    Then we will have Rachel Greszler. She is a senior research 
fellow in economics at the Heritage Foundation. She focuses 
there on labor and retirement issues including employment 
opportunities, and she was a senior economist at the Joint 
Economic Committee. She resides in Bethesda with her husband 
and six children.
    We are glad you are here, all of you. Let us begin then 
with Ms. Frye. Welcome. And for all of you, we will make your 
prepared statements a part of the record, so, if you want to 
just summarize and kind of highlight some things that are 
particularly important to you. It is not only kind of more 
useful, it is also more fun, because we can kind of give back 
and forth.
    Ms. Frye, welcome.

STATEMENT OF JOCELYN FRYE, PRESIDENT, NATIONAL PARTNERSHIP FOR 
               WOMEN AND FAMILIES, WASHINGTON, DC

    Ms. Frye. Thank you so much, Chairman Wyden, Ranking Member 
Crapo, and members of the committee. It is really a privilege 
to be here with you this morning to chat about one of my 
favorite topics: paid leave. The National Partnership for Women 
and Families is a policymaking and legal advocacy group that 
strives to break down gender-based barriers which prevent 
women, but indeed all people, from reaching their full 
potential.
    The National Partnership has a long history of working to 
advance paid leave, and we have a deep understanding of what 
works and what does not work in designing paid leave policies. 
We believe paid family and medical leave is a core labor 
standard that is necessary. It is long overdue and essential to 
creating stronger workplaces in an economy of the future.
    Even before the pandemic, our Nation's lack of 
comprehensive care policies undermined the full participation 
of women in our economy. It forced too many to choose between 
caring for their family and their financial security. The 
economic disruptions caused by the pandemic only exacerbated 
these problems.
    The lack of paid leave has negative consequences for people 
of all backgrounds, but its effects are most pronounced for 
workers who face multiple barriers and biases. Women workers, 
especially women of color, who are more likely to provide care, 
are less likely to work in jobs with paid leave.
    They also must navigate assumptions that the care they 
perform is not worthy of support or investment, and that they 
will just make things work on their own. Major disparities in 
paid leave access also exist for workers in the lowest income 
brackets, for workers of color, and for workers with 
disabilities, many of whom need medical leave to attend to 
ongoing health conditions. And they also need caregiving leave 
because they also care for family.
    Due to a lack of paid leave, American households miss out 
on $22.5 billion in wages each year. Our economy loses $650 
billion a year because we have fewer women in the workforce 
compared to other industrialized nations. This occurs at a time 
when families increasingly rely on mothers, especially mothers 
of color, as breadwinners.
    There is ample evidence of paid leave's benefits. Thirteen 
States, along with the District of Columbia, have already 
enacted paid leave. Research in communities where paid leave 
has been implemented shows significant gains in the health and 
financial stability of workers. Businesses do report that their 
workforces are more productive and experience less turnover, 
saving employers the cost of hiring new employees and training 
new staff.
    These State-level successes offer vital lessons about some 
of the qualities needed in a paid-leave law. An effective law 
must offer meaningful sufficient benefits, which are universal 
and guaranteed to as many workers as possible in as many 
employment settings as possible, so no one is left behind. It 
must provide enough weeks of leave and enough income to 
actually meet the needs of workers, and enable them to afford 
to take time off. An effective law must be comprehensive enough 
to meet the full breadth of caregiving needs, not only for 
newborn children, but also loved ones such as aging parents and 
ailing spouses. And it should guarantee that paid medical leave 
is available for workers themselves when they face a serious 
health condition.
    Expanding care investments is not a luxury. It is an urgent 
need in every corner of the country. Take for example Tracy 
Wood, a speech pathologist raising six children in West 
Virginia. She is a member of one of our partners, MomsRising. 
Tracy has a son with disabilities and also cares for a 
homebound grandparent. She used to work full-time but was 
forced to quit that job because it lacked paid leave. Her 
current contracting role does not offer it either. So every 
time she takes her son or grandparent to the doctor, she 
endures the added stress of knowing she is bringing home less 
money to feed her family.
    There are millions of Americans in the same position as 
Tracy Wood, and they worry about whether or not they will have 
the ability to care for themselves and their family members and 
secure the financial health of their families. It is a worry 
that springs to mind when they are awake, and it keeps them up 
at night. And it is no wonder that 80 percent of voters from 
across the political spectrum want Congress to pass paid 
leave--and we do too at the National Partnership.
    So the time to act is now, and I appreciate the opportunity 
to speak with you today, and I look forward to your questions.
    [The prepared statement of Ms. Frye appears in the 
appendix.]
    The Chairman. Thanks; thanks very much, Ms. Frye. Every 
time I hear you speak, I always wait for the part where you 
say, ``Look, this is not a luxury.'' Here are the real-life 
examples, and it says it so well, and we appreciate it.
    Mr. Verhoeven?

            STATEMENT OF BEN VERHOEVEN, PRESIDENT, 
                PEORIA GARDENS, INC., ALBANY, OR

    Mr. Verhoeven. Good morning, Chairman Wyden, Ranking Member 
Crapo, and members of the Senate Committee on Finance. Hello 
there. I am Ben Verhoeven. I am a second-generation farmer and 
nursery owner. I run a family-owned greenhouse in rural Albany, 
OR.
    I am proud to say my 26 year-round and 24 seasonal 
employees receive great benefits, which in the big picture do 
not cost me much, but mean a lot to everyone, and they are good 
for business.
    My workers can get paid family leave, which covers parental 
leave, medical leave, and leave to care for a loved one. In 
addition to paid family leave, my workers can get health care, 
paid vacation, paid sick time, and a pension. Many industry 
groups claim that policies like ours will hurt business. That 
is just not true.
    Paid family leave costs me less per year than truck repairs 
and has a much greater effect on the lives of the people I work 
with. Our farm began offering 12 weeks of full paid parental 
leave in 2016. We have since worked to help pass paid family 
leave for all Oregonians. Together, we can expand these 
benefits to all Americans.
    Before my workers had paid family leave, they told me 
stories of draining their retirement savings to care for a 
dying brother. This is now a thing of the past. I know a mother 
who no longer must rely on donated sick time to plan for a 
second child. I have seen a young man raised by a single mother 
grow into a loving and strong father of two. These are real 
stories from my workers, made possible by paid family leave.
    In Oregon, under our State's new Paid Leave Oregon program, 
my farm can now provide paid family leave for my workers. 
Opponents of paid leave will tell you that only workers 
benefit, and therefore all the financial costs should fall on 
workers' shoulders. This is not true.
    As an independent business owner, I benefit when my 
employees do not have to choose between their loved ones and a 
paycheck. As a farmer, I benefit when my workers have a stable 
home life, which begets a stable work life. Since offering paid 
parental leave in 2016, we have seen a return on our 
investment, as valuable employees, including many fathers, 
return to work and future promotions. This helps my business to 
prosper and grow.
    As a business owner, I also benefit from stronger, 
healthier, more resilient markets. Lessening the financial 
hardship of an illness, a birth, or a family crisis leaves more 
savings in people's pockets, savings they can put toward homes 
and gardens.
    As any farmer will tell you, we are subject to the forces 
of Mother Nature. A crop failure affects our business the same 
way a sudden illness affects the family. This is why I feel 
strongly that coverage should be expanded to include all 
businesses and workers. Life events like birth, illness, and 
ailing parents happen to all of us regardless of the size of 
the company we work for.
    I would also add that as a farmer and a small business 
owner, national paid family leave is a good bargain. I cannot 
afford comprehensive paid family leave on my own, which is why 
a program like the one we have in Oregon is the best way 
forward.
    Our State's program costs businesses like mine less than 
offering stand-alone plans, and I know that my workers are also 
contributing. As a small business owner, I am the H.R. 
department. Our State program has been much easier to set up 
than the private insurance options also allowed under Oregon's 
new law that we explored.
    Working with our State has been as simple as a software 
update to our payroll, and a preprinted poster in the break 
room. Oregon's program manages the process, confirms if a 
worker qualifies, and of course pays for the leave itself out 
of the fund. This is a real service, both for me and for my 
workers.
    A comprehensive and permanent paid family leave program is 
good for workers, benefits employers, and secures our economy 
for generations. It is the right thing to do for business; it 
is the right thing to do for workers. Thank you.
    [The prepared statement of Mr. Verhoeven appears in the 
appendix.]
    The Chairman. Ben, thanks very much, and you were really on 
message. I was struck where you said, ``Look, this really makes 
sense economically, and it frees up money for people to invest 
in gardens and homes.'' I say Ben's got a good message. Good 
work; thanks.
    Let us go next with Ms. Milito.

   STATEMENT OF ELIZABETH MILITO, EXECUTIVE DIRECTOR, SMALL 
   BUSINESS LEGAL CENTER, NATIONAL FEDERATION OF INDEPENDENT 
                    BUSINESS, WASHINGTON, DC

    Ms. Milito. Thank you, Chair Wyden, Ranking Member Crapo, 
for inviting me to speak today. My name is Beth Milito, and I 
am delighted to speak on behalf of the National Federation of 
Independent Business. NFIB is a member-driven organization that 
represents about 300,000 small and independent businesses 
across the country.
    Small businesses employ nearly half the country's private-
sector workforce, and when small businesses succeed, 
communities and local economies succeed. Consider the very 
types of small businesses you frequent: pizza parlor, auto 
shop, dry cleaner, nail salon. Some have employees who are 
strictly hourly, some are salaried, some are part-time, some 
are full-time.
    These are the typical NFIB members, who on average have 5 
to 10 employees. Only about 12 percent have a human resource 
professional. About 50 percent of NFIB members do payroll in-
house. I describe NFIB's membership to illustrate one of the 
key points of my written testimony.
    There is no such thing as a one-size-fits-all policy that 
works for every business or every industry. I understand the 
good intentions behind various proposals that mandate leave. 
But NFIB and its members have long opposed leave requirements 
for two reasons: inflexibility and cost.
    First, innovation and flexibility are critical to small 
business survival. The COVID-19 pandemic showcased small firms 
that thrived by innovating, pivoting, and adapting to their new 
circumstances. Small firms depend on flexibility, not only to 
boost sales and manage business operations, but to establish 
employee benefits, which includes paid time off.
    The majority of small businesses provide flexible, mutually 
beneficial arrangements that allow employees time off when 
necessary in a fiscally responsible way for that business. 
Small business owners recognize the value of providing paid 
leave to employees, since after all, small businesses need to 
bid for and retain talent like all other firms, big and small. 
And to the extent they can, small businesses provide paid leave 
voluntarily to remain competitive and to attract top talent.
    To the extent that small firms do not offer paid leave, 
this reflects the reality that some small firms simply cannot 
financially afford to offer this benefit. If you can only 
afford to give your workers 10 days of paid time off and the 
government mandates 5 days of paid sick leave, then your 
employees have only 5 days left for vacation.
    This leads me to my second concern with leave mandates. 
Leave, paid or unpaid, is not a free benefit. The unanswered 
question with a leave mandate is, who is going to pay? There is 
a cost for these proposals, and not all business owners can 
absorb the cost.
    In a small business with a finite amount of resources, this 
means less money available for wage increases, it means less 
money for health insurance, and it means less money for hiring 
additional employees. It also means more time and money devoted 
to complying with workforce policies.
    I mentioned earlier that the small business owners 
typically have few administrative staff and little human 
resource experience. Nearly all leave mandates, paid or unpaid, 
impose recordkeeping requirements, including leave tracking, 
notification, documentation, and reporting. When one State 
considered and adopted a paid sick leave proposal a few years 
ago, the legislative record was replete with opposition from 
small business owners.
    Consider this submission: ``We compete in the world market, 
and everything the State or the Federal Government does burdens 
us with more and more unfunded mandates that make us less 
competitive in world markets. So now I have fewer employees, 
and since there is not enough income after all my employment 
costs are met, I end up not getting paid anything for my family 
for all the work that I do. I could go on and on, but the 
bottom line is that we farmers don't make enough to subsidize 
all the wonderful benefits that you would like to see employees 
entitled to. I have workers asking for work and there is plenty 
for them to do, but at the high cost that the State requires me 
to pay, I have to limit the number that I can hire. It may seem 
great to mandate more benefits to employees, but the hidden 
costs are fewer jobs.''
    Small businesses are the lifeblood of the U.S. economy. 
They create two-thirds of new jobs in this country, and they 
account for 44 percent of U.S. economic activity. The 
government must pay more attention to supporting the health of 
small businesses and not viewing them as a source of tax 
revenue and the implementer of misdirected policies.
    Mandated leave laws represent a significant challenge for 
small business, since mandates are generally not flexible nor 
affordable. Making it more expensive to operate a small 
business will hamper the ability of small business survival.
    On behalf of the small business owners of NFIB, thank you 
very much for the invitation to appear today.
    [The prepared statement of Ms. Milito appears in the 
appendix.]
    The Chairman. Thank you very much, Ms. Milito. And I am 
almost tempted at this point to say we are going to send you 
four off on your own to work this out. We will supply the 
pizza. There is one point that you raised, Ms. Milito, that 
just caught my ear, when you said paid leave should not be just 
a source of government revenue.
    I think what I want to do is be part of a bipartisan 
effort, with all of my colleagues, to make sure that paid leave 
is a source of economic growth in America and a source of help 
for families. That is what I hope we can do, and I am glad you 
are here, and we will continue this conversation.
    Ms. Greszler, welcome.

STATEMENT OF RACHEL U. GRESZLER, SENIOR RESEARCH FELLOW, GROVER 
    M. HERMANN CENTER FOR THE FEDERAL BUDGET, THE HERITAGE 
                   FOUNDATION, WASHINGTON, DC

    Ms. Greszler. Thank you. Good morning. Thank you for the 
opportunity to be here today. As the mother of six young 
children and having had multiple family members battle cancer 
in recent years, I understand the need for leave, but not all 
paid family leave policies are equally helpful. The best ones 
are flexible policies that maximize access to leave, while 
minimizing disruptions.
    Today, I would like to discuss the current state of paid 
family leave, explore the differences between government and 
employer-provided leave, and then discuss policies that could 
help expand paid family leave and workplace flexibility.
    So first, the good news is that paid family leave has shot 
up over the past 6 years. Surveys show that three out of four 
workers have access to some type of paid family leave at work. 
Contrary to common belief, only one in four leaves is for the 
birth or adoption of a new child. Half of leaves are for a 
worker's own medical condition, and the other quarter are to 
care for a family member.
    While newborn and family care are particularly important, 
parents actually prefer workplace flexibility by a margin of 10 
to 1 over more paid parental leave. And so, the importance of 
flexibility leads to my second point, which is that employer-
provided leave is inherently more accommodating than one-size-
fits-all government programs.
    My niece was diagnosed with stage 4 cancer when she was 18 
months old. Like many medical conditions, my niece's cancer did 
not give advance warning, and it did not follow a predictable 
schedule. She endured 9 months of intensive treatments, 
multiple ER visits, and spent more than 60 nights in the 
hospital over an hour away from her home.
    A government program with 12 weeks of partially paid leave, 
a bureaucratic administrative process, which required my sister 
to specify the precise days of leave that she would take in 
advance, did not work well for her and her husband.
    It was only through working directly with their employers 
that they were able to keep their jobs and care for their now 
healthy and adorable 3-year-old little girl. Some might argue 
that even a bureaucratic and flawed government program is 
better than none, but a Federal Government program would take 
away many existing programs and hinder new ones from starting. 
And government programs have a terrible track record at helping 
low-income families.
    In California, five times as many mothers in the highest 
income bracket filed paid family leave claims as those in the 
lowest income bracket. Canada's program is said to ``aid the 
social reproduction of higher-income families.'' In the UK, 
``too little support is directed to the families who need it 
most, and too much to those who do not.''
    Moreover, while government paid family leave programs aim 
to help women, they can have the unintended effects of reducing 
women's prospects of promotion, diminishing relative wage 
gains, and reducing employment.
    The latest version of the FAMILY Act, which grants job-
protected paid family leave to workers who have been employed 
for as few as 3 months, would impose huge burdens on small 
employers who are already struggling with labor shortages. And 
when a business suffers, so will its employees and the people 
they serve.
    Denmark had implemented a generous paid family leave 
program. Studies found that it led to a 12-percent reduction in 
nursing employment, and that had huge consequences for 
patients, which included an 89-percent increase in newborn 
readmissions, and a 13-percent increase in nursing home 
mortality.
    It is important to note that the Congressional Budget 
Office said that the FAMILY Act would be yet another unfunded 
entitlement program. Most Americans would rather have bigger 
paychecks to spend on what they need than smaller paychecks and 
a bureaucratic government maze to navigate.
    And that leads to my third point, which is that 
policymakers can help expand access to paid family leave 
without expanding the government's control over people's lives. 
The Working Families Flexibility Act would give lower-income 
workers the opportunity to choose between accumulating paid 
leave or overtime for their work.
    Universal savings accounts would enable Americans to save 
in one simple account that they could use for any life need 
without incurring a penalty, and this would be particularly 
helpful to lower-income part-time workers and independent 
workers. And making it easier for workers to get private 
disability insurance could help workers meet their own needs 
for leave.
    Minimizing taxes on workers and employers would leave them 
with more to spend on paid family leave. The Tax Cuts and Jobs 
Act put an additional $1,400 per year into the average 
household, and it led to a fourfold increase in employer-
provided paid family leave in the 6 years since it passed.
    And finally, policymakers can pass laws to prevent harmful 
labor regulations from taking away flexible work options and 
making it harder for employers to offer paid family leave. 
Unlike a one-size-fits-all Federal entitlement program, these 
policies would help to meet workers' and employers' unique 
needs at a cost they can afford.
    Thank you.
    [The prepared statement of Ms. Greszler appears in the 
appendix.]
    The Chairman. Thank you very much, and we will just get on 
to the discussion.
    Mr. Verhoeven, it is almost jaw-dropping to hear you 
mention that offering paid leave costs less than truck repairs. 
Is that right?
    Mr. Verhoeven. Yes, Mr. Chairman, that is correct.
    The Chairman. So, give me the comparison, because it really 
is just kind of a ``slap yourself in the forehead'' kind of an 
example.
    Mr. Verhoeven. Chairman Wyden, thank you for the question, 
and yes, it does cost me less than truck repairs. It has a much 
greater effect on the lives of the people I work with. It is a 
very, very small part of our payroll and the costs that we have 
to do business. And for that, especially with our new 
government program, now not only do I have access, and my 
workers have access to paid parental leave, they also now have 
access to paid medical leave, paid leave to care for a loved 
one, paid safe leave if someone is experiencing domestic abuse, 
and that is all for literally less than the cost to run my five 
trucks.
    The Chairman. So I am looking at the dais here, and I am 
quite certain that all of my colleagues--and certainly I will 
speak for myself--support write-offs for machinery, for matters 
like equipment and tractors. And you know, helping small 
businesses like yours in Albany, OR make these investments is 
just common sense, and particularly in our State where, after 
you cover Intel and Nike and a few others, you are done with 
the big businesses. We are overwhelmingly a small business 
State.
    It seems to me what you are basically saying--and I have 
heard some of my colleagues on both sides of this dais agree 
with it--is those investments in machinery are important, and 
equally important is to make some investments in people, in 
sort of human capital as well as machinery and business 
investments. Is that really kind of where you're going?
    Mr. Verhoeven. Chairman Wyden, thank you for the question. 
Absolutely, I agree. I would actually add that in my 
experience, an investment in our human capital at my farm and 
small business pays bigger dividends than an investment in 
equipment, you know? For the cost of our government-paid leave 
program, I could go out and buy a 12-foot-long conveyor, right? 
But instead, I can support my workers in a moment of need. I 
will know that I will see a tremendous return on that 
investment in the form of retention, promotion, and business 
growth.
    The Chairman. And in Albany, I gather that you are seeing 
some of your other farmers experiencing the same sort of thing 
when they take it up?
    Mr. Verhoeven. Absolutely, yes. I am not alone as a farmer 
and as a small business owner, seeing the positive effects of 
our State and government program that offers, again, very 
affordable benefits to our workers and helps us retain, 
promote, and grow our businesses.
    The Chairman. Well, I think the fact--and I want to just 
move on--that you have said investing in people, from an 
economic standpoint--so we are not hearing discussion about we 
are doing it to get government revenue and all this kind of 
stuff.
    What Ben of Albany is saying is investing in people is 
going to pay greater dividends than any purchase of equipment, 
and if people take that out of here, I think that will be a 
chance to start bringing our foursome together.
    One last question if I might, because I know colleagues 
have questions as well. Ms. Frye, you have been making some 
good points with respect to how critical this is to economic 
competition and growth, particularly with China. It seems to me 
your organization has really been trying to drill down into 
that area, has some projections, for example, about the 
additional economic growth that would come about through paid 
leave.
    Why don't, for the remainder of my time, we give you a 
chance to address this issue, because every member up here, 
every single one of us--and sometimes multiple times a day--
says we have got to out-compete China, and you are trying to 
bring the receipt, so to speak, and talk about how it generates 
that kind of growth.
    Ms. Frye. Absolutely, Senator. I think the way we do that 
is we make sure that women can participate in the workforce, 
and the way we do that is to ensure that they have access to 
paid leave.
    What we know is that if you had prime-age women in the 
workforce equal to that of some of our counterparts 
internationally, you could boost our economy by $650 billion, 
which is just under 3 percent in additional GDP. So we are 
definitely in support of that strategy for strengthening our 
economy.
    The Chairman. More impressive numbers for the cause. I 
thank you all. I look forward to the questions.
    Senator Crapo?
    Senator Crapo. Thank you very much.
    I will start with you, Ms. Milito. In your testimony, you 
indicated that there is a cost to a number of these proposals. 
There are actually a lot of proposals out there. Some have more 
costs than others, and some are more based on tax policy. But 
could you follow up or just explore a little bit more what you 
mean when you say there is a cost to all these proposals--or 
many of them--but that not all businesses can pay that cost?
    Ms. Milito. Yes, thank you, Senator, for that question. So 
the costs--you are right. There are a lot of proposals out 
there, a lot of proposals at the States and a lot of proposals 
at the Federal level there, and I think we are here today 
because there is not a Federal requirement for paid leave.
    But before I get to your question, I just want to again 
point out that nearly 80 percent of small businesses do offer 
paid leave to their workers, and they do it because that is the 
way they retain talent, that is the way they recruit employees 
there.
    But a paid leave mandate--there is a cost, because it would 
hinder the business owners' ability to maybe offer other 
benefits that are more desirable by the employees it is trying 
to recruit. So for instance, a lot of small business owners I 
talk with--you know, tight labor market right now. And I hear 
from my members, ``The number one way that I recruit and retain 
employees is they want higher wages. That is what they want. 
They want higher wages.''
    The second benefit employees are looking for is health 
insurance there. So if you add on something else, another 
required benefit from the government, then there is going to be 
strain, and they are going to have to retract on one of those, 
either wages or potentially the health insurance there.
    And again, I just want to go back, that most small business 
owners are offering paid leave right now.
    Senator Crapo. Or they could--one of the other options they 
would have is to hire fewer employees?
    Ms. Milito. That's correct too; yes, exactly.
    Senator Crapo. Thank you.
    Let me go to you, Ms. Greszler. Paid leave can benefit 
workers, as you have indicated as a mother of six that you 
personally understand. At the same time, you rightly pointed 
out how critical it is that these paid leave policies be 
flexible. Please elaborate a little bit on what flexible means 
in this context and how some of the national paid leave 
proposals would be inherently inflexible?
    Ms. Greszler. Yes. So, flexibility is so important, because 
parental leave for the birth of a new child, that is one thing 
that is relatively predictable. But most leaves are not 
predictable, and you need access to those benefits quickly. It 
is something like emailing a boss directly and saying, ``I am 
going to be out for this.''
    There is a difference between that and having to go through 
a bureaucratic application process, get medical approval, and 
then have somebody who does not know who you are, does not know 
the work you do, does not know the workplace, be in charge of 
deciding when you are eligible for benefits, how much you are 
going to get, and to just have a strict 12 weeks or you must 
specify this day, and if you do work on a day that you specify, 
now you have to repay it.
    It is just the reality of a government program not working 
well to meet individuals' needs, versus the flexibility of an 
individual being able to work directly with their employer, to 
work out what works best for each of them, and also being able 
to keep the business running.
    Senator Crapo. Well, thank you. And the chairman and I have 
both indicated we believe in flexibility, and if there is a way 
to find that bipartisan solution here, it will involve 
flexibility.
    At the end of your testimony, you went over a number of 
options that would be workable, and I would assume that you 
feel that those options would have the flexibility to help 
build a meaningful policy. Could you just go back--even if you 
just go back over what you told us in your testimony--but could 
you go over some of the options that you believe we ought to be 
considering?
    Ms. Greszler. Yes. So each of these are an array of 
options. Nobody would be forced to take them, but they are 
something that workers could choose from based on what works 
best for them. I think the most important are the ones that get 
at the lower-income workforce.
    So the Working Families Flexibility Act, that is something 
that applies to workers who are paid hourly wages. Currently, 
if you are paid hourly, you are entitled to overtime pay. So, 
if you work 45 hours in 1 week, then you actually get paid for 
those 5 hours at a rate of time and a half, 7\1/2\ hours' worth 
of pay.
    So, for that worker who worked an extra 5 hours, they could 
choose between the overtime or accumulating 7.5 hours of paid 
time off. It is a pure choice; nobody has to take it, and the 
employer cannot force them to. Also, universal savings 
accounts, just having that access to one account that you are 
not fearful about putting money in because if your car breaks 
down tomorrow, you might not be able to access it.
    But if you have one account that can be used for all of 
life's purposes, people would be more likely to save; that has 
been shown in other countries that have implemented these. And 
then you have that safety net there, whether it is for paid 
family leave or child care or whatever expense comes up.
    Also, private disability insurance. About half of workers 
have that now. You could allow employers to auto-enroll their 
workers into private disability insurance. Just specify that 
that is something they can do like they do for 401(k)s, and 
that could increase their access to that workplace benefit.
    Senator Crapo. Thank you; I appreciate that.
    The Chairman. Thank you, Senator Crapo.
    Senator Stabenow?
    Senator Stabenow. Well, thank you so much, Mr. Chairman and 
Ranking Member Crapo. This is such an important discussion, and 
we have talked about it for years but never seem to actually do 
what needs to be done for families and for women, who are the 
primary ones, juggling what is happening for themselves and 
their families, both children and parents and everything in 
between, and at the same time we need them in the workforce. 
And so there are many challenges.
    I wanted to start with Mr. Verhoeven, but I did want to say 
that in listening to your options, my concern is that, for 
instance with low-income workers, you said, well, you can work 
overtime and then choose to get paid for overtime, or you can 
work overtime and choose not to get paid for overtime, and get 
family leave.
    It seems to me they ought to, if they work overtime, get 
their overtime and also have family leave. So those do not 
sound like great choices for low-income people as I am 
listening, but I certainly support flexibility. There is no 
question.
    But, Mr. Verhoeven, as chair of the Agriculture Committee, 
I have to say I smile in thinking about you as a family farmer, 
running a family-owned greenhouse in Albany, OR, and the way 
you are approaching this for your workers.
    All the time we hear about the need for workers, everywhere 
certainly. And in agriculture, we hear the desperate need for 
workers--and in every area. Certainly we see this in Michigan 
as well. Could you speak a little bit more about how the 
program works in Oregon, because we certainly see paid family 
leave as pro-workers, pro-families?
    You are saying it is also pro-business, which I believe 
that it is, and that it can be structured in a way that is not 
costly. Because certainly, for small businesses in particular, 
that is a huge issue, being able to afford to be able to do 
something like this.
    But universal paid family and medical leave in Oregon; what 
does that look like for you? How is that structured?
    Mr. Verhoeven. Thank you, Senator, for the question. Our 
government program in Oregon makes it tremendously affordable 
for me to offer these kinds of benefits, really comprehensive 
benefits to my employees. Again, it is less than truck repairs. 
They get paid family leave, which includes paid parental leave, 
time to care for a loved one, paid medical leave, and paid safe 
leave.
    As an employer, for that small investment, I get a big 
return in terms of retention, promotion, business growth. And I 
would also add that it has been really, really simple to set 
up. I cannot afford this kind of comprehensive paid family 
leave on my own. Our government program makes it really easy to 
do that, and it makes it easy to set up.
    It really is as simple as a software update to our payroll, 
a poster in the break room. That leaves me with a lot more time 
to do what my day job is, which is not here in front of you 
guys; it is growing flowers for garden centers. And I know I 
can rest assured that the government is managing the program, 
confirms if a worker qualifies, and of course pays for the 
leave itself out of the program.
    That is a real service and a value to me, my farm, my small 
business, and certainly my workers.
    Senator Stabenow. Is this done in matching funds or through 
the tax code? What does that look like?
    Mr. Verhoeven. Thank you. Thank you, Senator, for the 
question. Our Oregon program is done through a payroll tax. So, 
as an employer, I pay four-tenths of one one-hundredth of my 
payroll. So that is----
    Senator Stabenow. Say that again? Four-tenths----
    Mr. Verhoeven. Four-tenths of one one-hundredth of my 
payroll, a fraction of a fraction. That four thousandths of my 
payroll, for that small amount, my workers also contribute six-
tenths of one one-hundredth of their pay. So, while it is not 
free, right, I would argue it is a really, really good bargain, 
because for that, they are getting access to paid parental 
leave, medical leave, caregiving leave, and I get better 
retention.
    Senator Stabenow. And are you finding, I assume, that you 
keep workers longer?
    Mr. Verhoeven. Yes, absolutely.
    Senator Stabenow. In terms of retention and the quality of 
the workers and so on, this, I would assume, pays dividends on 
the farm and with your business?
    Mr. Verhoeven. Yes, Senator, thank you for the question. We 
absolutely see better retention, opportunities for promotion, 
and of course that leads to business growth for me and my farm.
    Senator Stabenow. Right.
    Thank you, Mr. Chairman.
    The Chairman. I think we might just want to put Ben in 
charge of bringing everybody together and working this out. 
He's got it down, and he is an Oregonian.
    Senator Menendez?
    Senator Menendez. Thank you, Mr. Chairman. I am proud to 
represent the great State of New Jersey, which was the second 
State in the country to pass a paid family leave program in 
2008, and then our State expanded the program in 2019. Our paid 
leave program has helped countless families and the 71 percent 
of all New Jersey households with children, more than 1.3 
million homes. All parents have paying jobs, and more than 
100,000 children are born each year in New Jersey.
    The State legislation created a paid leave program that 
guarantees all workers 12 weeks of family leave, with the 
lowest-wage workers receiving 85 percent of their pay. This 
legislation, I believe, should be an example for the country.
    Ms. Frye, what are the biggest successes and lessons from 
New Jersey's paid family leave program that we should consider 
as we push for national paid leave legislation?
    Ms. Frye. Thank you. Thank you so much, Senator, for that 
question. And you are right that there is lots of good research 
on the effectiveness of New Jersey's program. It was the second 
in the country, and what we know is that it has really helped 
with some of the things we have already talked about: labor 
force participation and retention, particularly for women 
workers.
    There is data that shows greater retention of workers who 
are family caregivers. There is really good research from 
employers that shows that for the most part, employers say it 
has either improved morale or productivity, or at worst it is 
neutral.
    So there is lots of good research that shows that the law 
has been able to both provide a benefit that people needed, but 
also to make sure that employers could manage it and manage it 
well.
    Senator Menendez. Yes. So human capital, which is 
essential--we have 10 or 11 million jobs in the country that go 
unfilled. So creating greater access to that human capital for 
productivity to take place, as well as higher performance, 
those are things that the private sector would want to see as 
much as any benefit to the individual families, isn't that 
true?
    Ms. Frye. Well, it is why we think that paid leave is a 
win-win. And I think when you look at all of the States 
increasingly--and as Senator Wyden said, there are 14 now 
including the District of Columbia--one of the reasons that 
paid leave is growing is because you do see those benefits for 
workers and for employers.
    Senator Menendez. So, I am proud to be an original 
cosponsor to Senator Gillibrand's FAMILY Act, which would 
guarantee all workers access to 12 weeks of paid leave, and I 
look forward to working with her to make it happen.
    Latinos and Latinas are far less likely to have access to 
paid leave than others, and nationally Latinos are 66 percent 
less likely to have paid leave compared to White workers. This 
inequality makes it harder for Latinos to spend time with a new 
child or take care of a sick parent.
    To add insult to injury, it also forces many Latinos to 
drop out of the workforce altogether when they have a child, 
contributing to the monumental wage gap we see between Latinos 
and White men. As we know, it takes a Latino worker an average 
of 2 years to equal what White non-Hispanic males are paid in 1 
year.
    So, Ms. Frye, why is national paid leave legislation so 
vital for Latino families?
    Ms. Frye. Well, you have recounted some of the challenges 
here, and Latino workers generally disproportionately work in 
jobs where there is no paid leave. That is true for, in 
particular, low-paying jobs and many in the service sector. So 
a lot of times Latino workers simply do not have access to 
leave because of the jobs they work in.
    In addition, as you mentioned with Latinos in particular, 
there is an enormous wage gap, and what we know about the wage 
gap from people like Nobel Prize winner Claudia Goldin is, 
there are several different drivers of the wage gap.
    One of them is discrimination, one is occupational 
segregation, and the other is the lack of work family policies, 
like paid leave and child care. So, when you have paid leave, 
you enable folks to actually stay in the workforce longer. It 
enables them to not only earn wages, but grow wages, and that 
is why paid leave and work family policies are so critical to 
helping to close the wage gap.
    Latinos have one of the largest wage gaps. They earn 52 
cents for every dollar a White male makes. That is an enormous 
gap, and we need to close it.
    Senator Menendez. Yes. And finally, Mr. Verhoeven, you 
certainly talk about the benefits of paid leave as a small 
business owner. Of course, when an employee is away, it causes 
strains on a small business, but it is far worse if an employee 
is forced to leave the business because of a lack of family and 
medical leave.
    What has been the biggest success of the Oregon paid leave 
program for your business?
    Mr. Verhoeven. Thank you, Senator, for the question. The 
biggest success is, it is a tremendous bargain. Again, it costs 
us less than truck repairs, and I get a really big return on 
that investment in terms of retention, promotion, and business 
growth. I see my workers with more stable home lives, and that 
equates to more stable work lives at our farm.
    The Chairman. Thank you.
    And in order of appearance, next our friend from North 
Carolina.
    Senator Tillis. Thank you, Mr. Chair.
    Mr. Verhoeven, a quick question for you. Is the program 
funded through employer and employee payroll deductions, or is 
it subsidized by the State as well? In other words, is it fully 
funded through the payroll tax deductions or not?
    Mr. Verhoeven. Thank you, Senator, for the question. In our 
State of Oregon, the government program is funded through 
payroll taxes and again, it is less than truck repairs--yes, 
correct.
    Senator Tillis. I am curious. So they have created a 
revenue pool that it is funded out of those resources? No other 
subsidies required. That is good.
    Mr. Verhoeven. Yes. That is my understanding; correct.
    Senator Tillis. I have a question for Ms. Milito. I am 
trying to--you know, North Carolina and various States have 
gone about this differently. We have this for State employees. 
We do not have it as anything mandatory for businesses. What 
are the trends that we are seeing? COVID had a lot of bad 
things, but it had some good things--I mean, we are addressing 
work-life balance, a number of other policies.
    But what could we do short of creating a large, potentially 
complex--because everything in the Federal Government is large 
and complex. And so, all of the sudden we go to small 
businesses--and I remember in the Banking Committee we were 
having a hearing where someone was talking about how this is a 
small program. It is only a 4- or 5-page form that a small 
business needs to fill out.
    I do not think people understand how chilling that is to a 
small business, where, Mr. Verhoeven, you are probably the CEO, 
the chief marketing officer, the chief financial officer. You 
are running a lot of your business. So I am in the mode of, 
let's get paid family leave out there, but let's do it in the 
most light-handed manner possible.
    So, can you give me any ideas or trends, Ms. Milito, on, 
particularly for small businesses, what is occurring now? Are 
the market demands, the competition for labor, everything else 
going on out there--how much of the gap is being filled there, 
and to what extent does the Federal Government need to be 
involved?
    Ms. Milito. Thank you for that question, Senator. So I will 
say, you have heard a lot about flexibility here, but I would 
also say, any proposal policy should be simple. So, keep it 
simple. And I will go back to Mr. Verhoeven. You mentioned in 
Oregon it was a matter of updating your software.
    A lot of NFIB members are still doing payroll manually. So 
then again, that would be more complexity added there too. The 
carrot is always better than the stick there, so allowing more 
flexibility. You know, you mentioned COVID and government 
policies that came out then. You probably might recall the 
Families First Coronavirus Response Act, which mandated leave 
and offered a tax credit.
    But the tax credit--claiming the credit was really 
complicated, and the NFIB survey, our research center, found 
afterwards that only 43 percent of small employers who had 
employees take that FFCRA leave claimed the credit. It is just 
complicated. Most of our members use a tax preparer. So they 
are doing payroll in-house, sometimes still manually, but they 
are using a tax preparer. So you know, awareness on the part of 
sort of the tax preparer community on any sort of tax credit is 
also very important there.
    So that is a long-winded answer to your question, but 
simplicity is very, very important, and the carrot is more 
important than the stick. Thank you.
    Senator Tillis. I agree.
    Ms. Greszler, tell me a little bit about government 
programs that, in your view, are falling short, and what more 
we need to do.
    Ms. Greszler. Yes. I think the reality of government 
programs is, they cannot eliminate the costs. They cannot 
reduce the costs. They can simply redistribute the costs, and 
when you hear--I have been in discussions with H.R. managers at 
large companies, and they have said that complying with these 
State-based programs has been so difficult. And they have ended 
up telling workers they can take leave and then they had to pay 
it back. And they said if they did not have to deal with these 
issues, they would be providing so much more.
    So I think that is the problem. Is a government program 
actually going to help the workers who need the help the most? 
And I think that that is where the evidence is saying ``no.'' 
It is not getting to the lower-income workers who do not have 
access to leave, because it is a burdensome process.
    It is burdensome for employers. Ms. Milito is looking at 
that credit for the businesses. The JCT thought it would cost 
over $100 billion. It cost $6 billion, because businesses 
simply did not apply for it, having to go through the process 
and fill out these forms. If that is burdensome for a business 
owner, how much more burdensome is it for the low-income 
worker, who is also managing the medical condition for the 
leave?
    So I think anything that happens has to keep the 
relationship between the employer and the employee, so that 
they can flexibly work things out. That might not look like a 
formal written policy that is measured by the BLS to say you 
have access, but it nevertheless is having the ability to be 
able to take leave in a way that works for both the worker and 
the employer.
    Senator Tillis. Thank you. I am sorry; my time has expired. 
I had questions for all of you.
    Thank you, Mr. Chair.
    The Chairman. I thank my colleague.
    Next in order of appearance is Senator Hassan.
    Senator Hassan. Thank you very much, Mr. Chair and Ranking 
Member Crapo, and to our witnesses for being here today. There 
is strong public support for a national paid leave program, and 
I am encouraged that there is growing bipartisan support in 
Congress, because the current patchwork system is not working.
    It is not working for families, and it is not working for 
our businesses and our economy. Without access to 
comprehensive, guaranteed paid leave, many hardworking 
Americans are forced to reduce their hours or leave their jobs 
altogether when they welcome a child into their family, when 
they go through their own medical emergencies, or when they 
need to care for a sick family member or aging parents.
    So I want to start with a question to you, Ms. Frye. It was 
very good to see you last week. As we discussed in our meeting, 
many Granite Staters struggle because they do not have 
guaranteed paid family and medical leave. For instance, I have 
met with Carrie Duren in Wolfeboro, a single parent of three 
who served as a caregiver to her father, who had Alzheimer's 
until his passing in 2019.
    With no paid leave, in order to take her father to critical 
medical appointments, Carrie had to forego hours of pay. She 
was in between caregiving and critical financial support for 
her family. She continues to struggle with lack of access to 
paid leave as she cares for her daughter, who has complex 
medical needs, juggling part-time jobs at a financial cost.
    Ms. Frye, I am sure that you have heard stories like 
Carrie's throughout the country. How can comprehensive paid 
leave help people like her who are in a position of caring for 
their parents, children, or other loved ones?
    Ms. Frye. Well, thank you, Senator. I think you have really 
hit the nail on the head, that comprehensive paid leave is 
comprehensive, and it recognizes that what paid leave may look 
like for one person and the need for one person, is different 
for another.
    What we know, and Ms. Greszler, I think, said this, is that 
less than a quarter of the leaves that are taken under the 
FMLA, for example, are for parental purposes. The majority of 
leave is for personal, and a little over a quarter is for 
family care.
    So you need comprehensive leave to ensure that a person 
like your constituent can actually take the time that they need 
to care for their parent. I had a similar issue when I was on 
the staff of the National Partnership and had to take my dad to 
chemotherapy. So you need that type of flexibility.
    Senator Hassan. Well, thank you.
    Another question, which has to do with our service members 
who are in the National Guard and Reserves. They lack access to 
the parental leave that they need to care for and bond with 
their children after birth, adoption, or foster care placement.
    At a time when we are seeing recruiting and retention 
challenges across the military, we need to act swiftly to 
remove barriers, so that parents will continue to serve in the 
military. That is why Senator Murkowski and I are pushing to 
ensure that our bipartisan Reserve Component Parental Leave 
Parity Act is included in this year's National Defense 
Authorization Act. Our bill will strengthen the military and 
support families by expanding parental leave to fathers and 
adoptive and foster parents serving in the Reserves and 
National Guard.
    Ms. Frye, why is it critical for our military readiness and 
strength to ensure that all new parents in the military have 
access to leave?
    Ms. Frye. Well, it is critical to support our service 
members across the board, and that means not only service 
members who need to take time off because they are about to 
have a child, but also parents who are--you know, maybe a 
spouse is having a child. I so appreciate the legislation that 
you and Senator Murkowski are working on.
    You know, what we know is having that time off, 
particularly for a new mom or a new parent, is essential for 
bonding, for strengthening their family. It is particularly 
important when you have service members who are doing long 
deployments. The time that they are able to have with their 
families is critical.
    You know, we know that our military readiness is connected 
to service members believing that their families are okay. So 
we have a duty, I think as a Nation, to make sure that they 
have the tools available to them to make sure their families 
are as strong as possible.
    Senator Hassan. Well, I appreciate that very much. I see my 
time is almost up, so I will submit one more question to Mr. 
Verhoeven for the record.
    Thank you, Mr. Chairman.
    The Chairman. Very good. I thank my colleague.
    Next is Senator Casey, who has worked on these issues for a 
long time.
    Senator Casey. Mr. Chairman, thank you. Thanks for working 
on this issue with us, and thanks for having this hearing. I do 
not think anyone needs to hear it again, but it bears 
repeating, how important paid leave is for families, whether 
they are starting a new family or whether they are in families 
with older adults, families with members with disabilities or 
significant medical needs.
    The Department of Labor tells us that 20 percent of people 
taking unpaid FMLA leave do so to care for a non-newborn family 
member with a serious health condition. That is a lot of 
families, a lot of people. Family members leave their jobs or 
reduce their work hours to care for a newborn or a newly 
adopted child, to provide ongoing care for a family member with 
a disability, or to care for their aging parents. So it runs 
the gamut from one end of the age scale to the other.
    A constituent of mine, Barbara Gurley, came to our office 
to talk about her caregiving experience for her late husband. 
She was talking about how often he fell and the challenges that 
she had, making sure that they could take care of him before he 
passed away. The Gurley family had insurance but could not 
access any paid support for the work she was doing, and they 
made too much money for local social services. If there had 
been a paid leave program in place, Barbara could have taken 
paid time off to care for her husband when he really needed it. 
So we know this is really hard work, caregiving.
    Mr. Verhoeven, you testified that before the new paid leave 
law in Oregon came into effect, you had an employee who was 
``draining their retirement savings to care for a dying 
brother.'' Can you tell us more about how workers like Barbara 
Gurley and your employee will be affected by a new, 
comprehensive paid leave law like the one you have in place in 
Oregon?
    Mr. Verhoeven. Thank you, Senator, for the question. Yes, 
our government program makes it really affordable for me as a 
small business owner to offer now comprehensive paid family 
leave, so that no longer is it just parental leave, but it 
includes the kind of caregiving leave you are talking about: 
medical leave and safe leave.
    That is really at the crux of it for us. As a small 
business owner without our government program, I could not 
offer those kinds of things. My workers could not benefit from 
them. The kind of benefits that they receive makes it easier 
for them to have a stable home life, which makes it easier for 
them to have a stable work life.
    That is good for them. It is also good for me as a small 
business owner and as a farmer. If they are stable at home, 
stable at work, I can see better retention, promotion, business 
growth.
    Senator Casey. Thanks very much.
    And finally, Ms. Frye, if you have any data, I wanted you 
to share, if you could, how often and when workers need to take 
time to care for family members other than newborns or newly 
adopted children. Any national perspective on that, or data?
    Ms. Frye. Well, what we know from the data is, about a 
quarter of the time, the leave is taken for things that are not 
self-medical or related to the birth or adoption of a child--
so, a significant percentage. And what we also know is that 
that family caregiving is often the type of caregiving that is 
left out of other policies.
    You know, people may have access sometimes to vacation and 
so forth, but it is really the family caregiving that often is 
the missing piece, which is why comprehensive leave is so 
important. We know one in seven caregivers, for example, report 
that they have had to either cut back on their hours or drop 
out of work because they did not have access to family 
caregiving leave.
    We know that women over 50 who have had to drop out of the 
workforce because they did not have access to caregiving leave 
lose on average almost $300,000 over the course of their 
careers because they have had to drop out of the workforce. So 
it is a significant impact.
    Senator Casey. Thank you very much.
    Thank you, Mr. Chairman.
    The Chairman. I thank my colleague.
    Senator Cassidy is next, and he also has spent a long, long 
time working on this.
    Senator Cassidy. Yes; thank you, Mr. Chairman.
    Yes; first, just a comment. Although you have all pointed 
out that it is a large fraction but not the complete amount of 
those who take family leave because of adoption or having a 
child, Senator Sinema and I have a bill which would allow the 
pull forward of a portion of a Child Tax Credit to allow a 
lump-sum payment of $5,000 at the birth or adoption, and the 
payment can be used either as income replacement if she chooses 
to stay home--or if he chooses to stay home--or they can use it 
for child care if they choose to go back to work.
    Yes, they are losing $5,000 in subsequent years from their 
Child Tax Credit. On the other hand, as we all know, studies 
show that if a woman stays attached to the workforce, her 
future income growth is such that it more than makes up this 
$5,000 she is losing in subsequent years.
    I spoke about that fast, but if anybody wants more 
information, I would love to give it to them. And more 
importantly, I think it is something that can be possibly paid 
for. I say that right now, sir, because of your mention of the 
de minimis almost payroll tax. But we have a President who will 
not support any tax on anybody less than $400,000, even if it 
is to save Social Security.
    Now, we have first got to line up our priorities. We've got 
to make sure that Social Security does not go bankrupt, and 
right now we have had no commitment to making that happen. The 
old sell about, let's just tax those who make over $400,000 a 
year--I will point out that the President has proposed over $4 
trillion on those who make over $400,000 a year, and none of 
that money is going to this sort of payroll program.
    So on the Federal level, we have to say, yes, it is great 
that Oregon is doing this, but on the Federal level I do not 
see a path forward in terms of raising the payroll tax.
    Ms. Greszler, though, and, Ms. Milito, when I researched 
this a few years ago--I was working on this with Senator 
Sinema--the research I did at the time said that most people--
this is several years ago, so with inflation it would be 
higher--but most workers who make over $70,000 a year have paid 
leave of some sort.
    Now, it might be paid vacation days or personal days. It 
was not per se paid leave, but it was time they could take off 
if their parent were sick or if their child were sick or if 
they have a child. Is that still the case? I do not know the 
answer to this, because it has been a while since I have looked 
at this. Ms. Greszler?
    Ms. Greszler. Yes. I suspect it has gone up even more since 
then. The latest data we have is from 2018, and that shows that 
about 73 percent of workers across all income levels report 
that they have access to some type of paid leave for an FMLA 
condition at work, and I think that----
    Senator Cassidy. But to Ms. Frye's point and to your point, 
you could imagine that is going to be principally people who 
make above a certain income level. The worker behind the 
counter at the convenience store, she has a lower wage and 
probably an hourly wage, and a more tenuous employment 
circumstance. So again, is this not disproportionately those 
who are upper-income?
    Ms. Greszler. It is still disproportionately those who are 
upper-income, but we have seen the most significant growth in 
paid family leave policies in those lower-income groups over 
recent years.
    Senator Cassidy. That's great. Now why have you seen a 
growth of that? Is it because of the policies that have been 
advocated in States like Oregon or what?
    Ms. Greszler. No. The growth that we have seen--and I 
mentioned it increased sixfold. If you look at the 6 years 
before the Tax Cuts and Jobs Act was passed versus the 6 years 
since then, the percentage of workers--as formally measured by 
the Bureau of Labor Statistics looking at employer policies 
only--that is where we have seen that sixfold increase.
    It is companies like Lowe's, Starbucks, Chipotle, that 
typically are employing lower-income workers.
    Senator Cassidy. So let me stop you there, because I also 
was struck when I did this research a few years ago, some 
companies like Google and Deloitte and others were, in 
California, providing paid leave as a company policy, and then 
when California put in their program, they actually pulled back 
on their business-offered paid leave, and they discharged the 
obligation to the taxpayer.
    And so on net, there is no increased benefit to the worker; 
there is just less obligation in the case of businesses. Is 
that a common thing, or is that only California?
    Ms. Greszler. That is exactly what happens with these State 
policies. It is a windfall benefit for the employer that 
already provides a policy. They send their workers to the State 
program first. Once they have used up all those benefits and 
had to go through that burdensome application process, then the 
employer will top them up to bring them to the same level that 
they had been before. So the worker has to go through two 
programs to get the same thing that they were.
    Senator Cassidy. Now let me ask you: I am also told that 
Washington State did it in such a way that was--it avoided 
that. And again, I am just telling you this because I have been 
told that, not because I know details. Can you comment on my 
understanding of the Washington State program, that they 
avoided this kind of zero sum for the employee but created a 
windfall for the employer?
    Ms. Greszler. I believe they have a process where the 
employer can get a qualification to just run their own program, 
and to opt out of that. That is something that I would 
encourage any State or government policy to do: to allow an 
opt-out for employers who are already providing the minimum 
level of paid family leave.
    Senator Cassidy. Well, I have questions for you all, but I 
am out of time. So, thank you all.
    The Chairman. I thank my colleague, and my colleague has 
been working in good faith on this for a long time. I just want 
to make a quick point while it is relevant to the debate. It 
just strikes me that you should not have to sacrifice the Child 
Tax Credit to get paid leave when you have a child. That is 
especially true when Ben has given us a path to basically say, 
``Hey, look, we can offer paid leave that costs less than truck 
repairs.''
    So we've got a lot of work to do to try to bring this 
together. I am going to work very closely with Senator Cassidy. 
He has put in a lot of time on this, and I appreciate it.
    Senator Cortez Masto?
    Senator Cortez Masto. Thank you. Thank you, Mr. Chairman 
and Ranking Member, for this great conversation. It has been 
very enlightening as well.
    And let me just ask Elizabeth Milito. Oregon has a paid 
leave program. Did the National Federation of Independent 
Business oppose that program, that statewide program, and do 
they still?
    Ms. Milito. Yes.
    Senator Cortez Masto. Why?
    Ms. Milito. Our members--we are member-driven, and our 
members took a look at it and opposed it. It was not the right 
thing for them. It does not offer flexibility. It is a one-
size-fits-all. So it is challenging. Again, not all businesses 
are created equal, and there is a cost associated with it.
    Senator Cortez Masto. And the harm to the businesses--can 
you explain, is it harmful in the sense that it puts some folks 
out of business, that small businesses could not afford the 
cost?
    Ms. Milito. There is--so a couple of things. There is the 
payroll cost there, so there is a cost burden on the business. 
So there is an employer-side payroll cost there too. There is 
the recordkeeping, the administrative burden there, because 
there is some burden on the employer with adapting their 
payroll system to account for it there too.
    They also need to become familiar with the program, so 
there is a learning curve there too with familiarity so they 
can answer their employees' questions about the program there. 
And then there is also too the potential for workers to take 
extended leave and the strain on other employees.
    Not that an employer would necessarily not offer the leave. 
They probably--you know again, as I said before, I keep saying, 
most small business owners do offer a paid leave program, but 
it might be a PTO program, you know? So it is all sort of in 
one bucket there, not necessarily as formalized a policy there.
    Senator Cortez Masto. And the Oregon law did not exempt or 
carve out those small businesses that already have a different 
form of paid leave?
    Ms. Milito. It did not. To my knowledge, it did not, but--
--
    Senator Cortez Masto. Thank you.
    Mr. Verhoeven, I am curious about your examples. Can you 
talk a little bit about how you perceive the Oregon program? 
Did you see those challenges as well? I am just interested in 
the State program.
    Mr. Verhoeven. Yes, thank you, Senator, for the question. I 
do not see those challenges. Again, I am a small business 
owner. I am the H.R. department, and our working with our 
government program has been as easy as a software update to our 
payroll system and a poster in the break room.
    It has made it incredibly simple for me to afford the kind 
of benefits that I otherwise could not, and offer them to my 
workers to, again, build that stability in their home, which 
gives me stability in the workplace and leads to improved 
retention, opportunities for promotion, and growth for my 
business.
    Senator Cortez Masto. And how many employees do you have?
    Mr. Verhoeven. I have 26 full-time employees, myself 
included, and we hire about 24 seasonally.
    Senator Cortez Masto. And is it safe to say that a smaller 
business that has 15 or less employees might have a profit 
margin that is really slim and not be able to accommodate some 
of these costs? Is that true or not? Just for the panelists--I 
am going to open it up to the panelists.
    Ms. Greszler. Yes, I think the costs are definitely an 
issue, and it is a bigger burden for smaller businesses. But 
something that we have not looked at a lot is beyond the dollar 
cost: it is the ability of the business to keep managing its 
operations, and that is what is particularly burdensome, if you 
are a smaller employer and you cannot just pull somebody else 
in and share the work amongst them.
    You know, the Bill and Melinda Gates Foundation, it had a 
really generous paid leave program. It was offering 12 months, 
and it was not a cost issue. But they found that they had so 
many people out that they could not fulfill their mission, and 
so they actually had to pull that back.
    And so that is the difficult needle to thread here: how can 
you have a policy that is providing the benefits, but also 
enabling the employer to keep managing their operations? And 
that is where you need to be able to have ways that you can 
pull new workers in without----
    Senator Cortez Masto. The flexibility; exactly.
    Ms. Greszler. Yes, exactly.
    Senator Cortez Masto. So I know I have about a minute left, 
but I know President Trump in his budgets proposed to have the 
States provide 6 weeks of paid leave to new parents through 
their existing State unemployment insurance trust funds.
    While I think there could be promise in helping States 
expand paid leave, this proposal did not include any Federal 
support and left all the details to the States, and I question 
whether that helps those States, particularly those less 
affluent States. If they do not have Federal support, they are 
not going to be able to do this.
    So I guess my question to the panel is, looking at this 
flexibility, looking at what the States have done, should there 
be Federal support as well, as part of this? Shouldn't it be 
both State and Federal support coming in to address the paid 
leave? Let me start with Ms. Frye, because it looks like you 
have an answer.
    Ms. Frye. Yes. I will quickly say that you are absolutely 
right, that I think we need a Federal program. I mean, that was 
proposed during the Trump administration and during the Clinton 
administration. They had a similar, a closely similar program 
that would have tapped UI.
    And the problem is that sometimes those funds simply are 
not sufficient, which is why a national program that actually 
is comprehensive is the preferred strategy.
    Senator Cortez Masto. Okay.
    Ms. Greszler--I know my time is up. Mr. Chair, if she can 
answer this question, then we will be done.
    Ms. Greszler. Yes. Just really quickly, I think the worst 
thing would be to have a State and a Federal program, because 
then they could potentially conflict and overlap and make it 
more difficult. It is a promising option, and I see it as a 
good one to be a true safety net--to use the State's 
unemployment insurance programs, because that is really going 
to get at the workers who do not have access to a program at 
work, and who tend to be the lower-income ones.
    So I think that is one option. You would clearly have to 
increase the tax on employers to fund that.
    The Chairman. I thank my colleague.
    Senator Blackburn?
    Senator Blackburn. Thank you, Mr. Chairman, and thank you 
to each of you for your testimony today. I think, Mr. Chairman, 
we have the power panel. I like this: three women, one guy. But 
a great topic for women to be leading on.
    In Tennessee, I visit with each of our 95 counties every 
year, and this is your county and city and town Mayors and 
local elected officials and small business owners, and to a 
person, the issue that regularly comes up is workforce and how 
do you keep your workforce, the lack of available workers to 
fill current job openings.
    They are all concerned with this, and one of the things 
that I have found is that employers want to provide better 
benefits for their employees. They talk about the need to do 
that because they want to keep them after they get them 
trained.
    And, Ms. Milito, let me come to you, because Tennessee 
recently passed a new voluntary law, and it is called the 
Tennessee Paid Family Leave Insurance Act. This amends the 
insurance code in the State and establishes paid family leave 
insurance. So you now have a paid family leave insurance as a 
new line of insurance that insurers can offer in Tennessee. How 
important is it that your Federal and State law allows 
employers to have that flexibility to opt in and to make a 
benefit like that available?
    Ms. Milito. Thank you for that question, Senator Blackburn. 
I mean, something like that that removes sort of the economic 
strain on a business from offering a benefit is something that 
certainly we would be open to exploring at the NFIB and hearing 
more about, and that would allow the benefit to be more widely 
available to employees too. I think that is a great thing.
    You know 70--we keep hearing this number--70 percent of 
Americans want paid leave, but then if you ask if it means a 
smaller paycheck, 60 percent oppose. So I mean, to your point 
there, the costs are a concern for both employers and employees 
too. So if there is a way to get at it that, again, removes the 
economic strain from employers and employees, that could be a 
very good thing. So thank you.
    Senator Blackburn. Yes. We have talked a little bit about 
the cost of offering a federally mandated leave, and also the 
impact on the workforce. One thing we have not really touched 
on is, I would love to hear you and Ms. Milito--I will stay 
with you--talk about the compliance cost that is there on 
workforce laws, and what would that do to increasing compliance 
costs for small business owners.
    Ms. Milito. And that is a great question, because just 
about every leave proposal that I have reviewed, State or 
Federal, does have compliance. There is recordkeeping; there is 
notification. So it might just be--I hear in Oregon, it sounds 
like it is a poster in the break room. But in other States--I 
believe in California, you have to hand out a brochure and a 
poster and notification.
    There are potential penalties associated in some of the 
States if you do not provide that, so sort of a cause of action 
for the employee if that is not given. This goes back to the 
simplicity thing there. Small business owners do not have a 
professional H.R. person in most instances there. They are like 
Mr. Verhoeven. They are the H.R. person.
    So there is usually, again almost always--I have always 
seen a cost of recordkeeping, and that cost, that is time for 
the business owner. And then there is the liability risk too if 
you do not do it right. So thank you.
    Senator Blackburn. Okay; all right.
    Ms. Greszler, let me come to you. What about unintended 
consequences that could result from changing the idea of 
something that is considered a benefit that employers can 
offer, to something that is federally mandated and that the 
government mandates employees have to have? So what would be 
the unintended consequences of making that flip?
    Ms. Greszler. I think the unintended consequences there 
are, you get a more rigid structure that does not work very 
well for most people. If three out of four workers who are 
taking leave are taking it for their own medical condition or 
caring for a family member, those are not things that are 
usually anticipated, and they are often not things that fit 
nicely into 12 weeks fully off, back on the job the next day.
    It is often caring for an elderly parent who might be 
needing to be home, but not constantly needing to be with them. 
So maybe a remote option is something that would work, or 
taking an elderly parent 1 day a week to a doctor's 
appointment. Those things do not fit into the government 
programs.
    Senator Blackburn. Okay. So then, leaving it as a benefit 
for employers to provide like Tennessee has done with an 
insurance option that is there and having that line of 
insurance, that allows the flexibility that employees want is 
what you are saying?
    Ms. Greszler. Yes. That is something that an employee could 
opt into themselves or the business can choose to offer, and 
nobody would necessarily have to pay for it if they do not want 
to.
    Senator Blackburn. Okay; thank you. Thank you, Mr. 
Chairman.
    The Chairman. I thank my colleague, and my colleague is 
raising issues that need to be debated. For those of you who 
are just coming in--and we have had discussions most recently 
about rigid structures and the like--something like 3 hours 
ago, 2 hours ago, Mr. Verhoeven of Albany, OR basically said he 
could offer paid leave for less than it costs for truck 
repairs.
    So that does not suggest to me that we are arming up for 
some kind of huge, rigid kind of structure, and I still like 
the idea of putting all four of you together to work this thing 
out.
    Senator Warren?
    Senator Warren. Thank you, Mr. Chair.
    So, women workers saw steep job losses during the pandemic, 
and while women's labor force participation has bounced back, 
it's been stuck at 10 points lower than men's labor force 
participation for the past quarter of a century, and that's 
because women still bear the burden of care work. They take 
care of children, they take care of sick relatives, they take 
care of parents with disabilities, and that means that too 
often, women workers--and particularly women of color--must 
choose between getting paid or caring for a loved one.
    A key way to address this problem is through a national 
paid family and medical leave program so all workers have the 
support they need to balance work and caregiving 
responsibilities. Now some States, including Massachusetts, 
have already set up their own paid family and medical leave 
programs.
    Ms. Frye, how does Massachusetts' paid leave program work? 
Can you just explain to everyone how we're set up?
    Ms. Frye. Sure; absolutely, Senator. Thank you. You know, 
Massachusetts has a very strong program. They have been able to 
make use of some of the best practices across the country. It 
offers 12 weeks of paid leave for family reasons, I think 20 
weeks for medical purposes.
    They have progressive wage replacement, so lower-wage 
workers get more of their pay, about 80 percent, which is 
significant. And it has job protection so that people, if they 
take leave, their job is protected. So it is an important 
program. It also allows additional time for military service 
members as well.
    Senator Warren. Yes. And as I understand it, we cover the 
overwhelming majority of our workers in Massachusetts with this 
program. And are workers in Massachusetts actually using the 
program? What do you see, Ms. Frye, especially with women?
    Ms. Frye. Absolutely. What we know from the early data is 
that the majority of people who have taken claims are women, a 
little over 60 percent. More than half of those women have been 
taking it for their own personal leave. So it is working, and 
that is important. That is exactly what we want in a program.
    Senator Warren. Good. So we've got it. It is a robust 
program. People are using it, and the program is relatively new 
in Massachusetts. But in looking at data from other States that 
have had paid leave programs for years, the impact seems to be 
pretty clear.
    Ms. Frye, in States like Massachusetts that have paid leave 
programs, do we see positive economic outcomes, both for 
workers and for businesses?
    Ms. Frye. Well, that is why it is so important. We 
definitely see positive outcomes in terms of labor force 
participation. It allows folks to stay longer, retain their 
jobs, grow their wages, which is exactly what we want.
    You know, our priority is keeping women in the labor 
market, because it supports them and it supports their 
families. Women are increasingly breadwinners. Two-thirds of 
moms are breadwinners, even higher for Black and Latina moms. 
More than 85 percent of Black mothers are breadwinners in their 
families.
    So, it is so critical to have that labor force attachment, 
and it also helps to close the wage gap. As I said earlier, 
what we know is, in Massachusetts in particular, there is a 
significant wage gap, and this is one of the strategies to help 
fix it.
    Senator Warren. Oh, this is terrific. I really appreciate 
your explaining all of this. You know, paid leave helps 
families improve their economic security, and it's good for 
businesses at the same time, because we get higher workforce 
participation when we do this.
    Clearly, there is a need for leave programs, especially for 
women workers. But the State you live in shouldn't determine 
whether you can take off time from work to care for a sick 
family member at the same time that you're trying to put food 
on the table.
    We need a national paid leave program. President Biden has 
called for it. It is time for Congress to act on this. Thank 
you again.
    I yield, Mr. Chair.
    The Chairman. I thank my colleague.
    I do not want you all to think that I am beginning to 
filibuster, but I have a couple of colleagues who may be on the 
way. So there are a couple of questions that I do think are 
kind of relevant to the debate.
    We haven't said much about rural communities, and this dais 
has a lot of Senators with substantial rural terrain. Ms. Frye, 
you have looked into this issue, I gather, and are there some 
barriers that rural communities face in terms of paid leave?
    Ms. Frye. Well, you know, I think there are a couple of 
things. One is that oftentimes in rural communities they just 
have access to less services. They have to go farther. If you 
have somebody who has a care need, it is more stressful in 
terms of being able to access the care that they need, or 
having to drive people to appointments and things like that.
    So having the ability to take time to maybe take somebody 
to a city that is 1 hour away for a specialized appointment is 
really critical. It is exactly what families need in 
particular. The other thing that we know is that rural workers 
tend to be lower-paid workers.
    They are often disproportionately in lower-wage jobs, and 
many of those jobs do not provide access to paid leave. So you 
know, having a national program that enables workers across the 
workforce, regardless of where they reside, to still have 
access to a leave benefit is particularly important.
    The Chairman. All right.
    In the continuation of our hopes that our colleagues will 
arrive, let me also state a procedural matter, and that is, all 
Senators and staff have to get their questions in by next 
Wednesday, November 1st at 5 p.m.
    Tell me a little bit--and I will ask you this, Ms. Milito, 
because we have worked with you all on a variety of issues. As 
you know, I had a bipartisan health reform bill, the Healthy 
Americans Act--seven Democrats, seven Republicans--that said, 
look, the Democrats have an important point of universal 
coverage, because if you do not have universal coverage, too 
much cost-shifting; and the Republicans had a legitimate point 
as well about some marketplace kind of forces.
    I am looking at the four of you, and I am saying, ``Hey, 
let's figure this thing out.'' I mean, just listening to you 
over the last whatever it has been, 2 hours, I hear that a 
number of colleagues that we invited have been very sympathetic 
to the flexibility issue.
    My hope is that folks in the business community who are 
thinking about what to do and the concern about rigid 
structures would say, ``Why in the world can't we get this help 
to people of modest means?'' I mean, that is how I started the 
discussion 2 hours ago. When people ask me why are we doing 
this, it is that firefighters and cashiers and all these people 
who really are of very modest kind of means, they work hard, 
they want to work hard, but at the same time, when life 
intervenes, they have to be there for their families.
    So, because you all have been involved in kind of 
coalitions and efforts to try to bring together people with 
responsible policy--and to me, policy is not about taking each 
other's crummy ideas. I think that conservatives make 
legitimate points on flexibility, and I think progressives have 
legitimate points with respect to how important the human need 
is here.
    So you have been working on this a lot. What is the path 
here to break the gridlock? By the way, you know, when we 
started on some issues around here, Senator Crapo and I were 
told we did not have a prayer in the world of moving them, and 
we have been able to, because we have a lot of colleagues here 
who believe in the sharp pencil theory. So tell us how we get 
this done.
    Ms. Milito. So, thank you, Senator. You are right. We 
definitely see--there seems to be an awareness about the need 
for flexibility with small business owners, and what works for 
one business might not work so well for another business there.
    I would just ask that your colleagues also build an 
awareness of the costs on small business too. So, for 
instance----
    The Chairman. But you are saying--and I share this view--I 
am sympathetic to flexibility. I mean, I think one of you said 
something like, well, this is being done for getting government 
revenue or some such thing. Not on my watch. On my watch, this 
is being done for two reasons: for economic growth, because we 
desperately need that--that is what fuels innovation--and 
helping families.
    So that is what we are trying to do, and that is what 
flexibility is all about. What do you say to your colleagues on 
that end of the table with respect to getting help and actually 
making sure it gets to them, without having to give up other 
assistance if they are of modest means and they have to help 
their family?
    Ms. Milito. So proposals, I think, need to start modestly, 
and transposing, for instance, what Oregon has done nationwide, 
I think--Ms. Greszler could speak more to the potential calls 
for that, but I say that there are a lot of people and NFIB 
members that are not willing to absorb that cost----
    The Chairman. I didn't talk--I didn't talk----
    Ms. Milito [continuing]. And it is the creation of another 
Federal entitlement program. Is that something that my members 
would support? They would not.
    The Chairman. I didn't talk about taking anybody's model. I 
am talking about trying to get people to say, ``Look, let's get 
serious about actually resolving it.'' And when my constituent 
comes in and says, ``We can do paid leave for less than we are 
spending on truck repairs,'' I think there is a lane here that 
I have heard Senators on both sides talk about, where human 
capital, the needs of people, count as much as the very 
important investments that I support for your members in terms 
of equipment and machinery and the like. So that is my final 
refrain.
    Senator Whitehouse will ask his questions, and we will wrap 
up. But let's say that this forum is a powerhouse panel, and 
let's continue this conversation and find a path to actually 
making this happen on our watch.
    Senator Whitehouse?
    Senator Whitehouse. Thank you very much.
    Let me start, if I may, by highlighting a Rhode Island paid 
leave story. Not everybody has an equal share of good and bad 
luck in this life, and this story is about a woman who has 
three kids. Her oldest is 15, medically fragile, nonverbal, and 
receives ICU-level care at home.
    He has been hospitalized twice, and because his mom has 
paid family leave, she is able to stay with him during some of 
these crises. And by virtue of her being there, that keeps him 
out of the hospital, lowering health-care costs for all of us 
in addition to, I think, being a pretty fair and decent thing 
to do for a woman who is already carrying a pretty heavy burden 
of need in her family.
    So to quote the mom, expanding this program is crucial to 
supporting families during difficult times, and so I am very 
supportive of it for that reason.
    Ms. Frye, how do you rate providing family leave in terms 
of overall economic growth? Does it add value to the economy, 
or is it a deadweight loss on the economy to provide workers 
with paid family leave?
    Ms. Frye. Well, Senator, I think you will not be surprised 
to hear me say that it certainly adds a benefit, a strong 
economic benefit, to have access to paid family and medical 
leave, in part because it helps women in particular stay in the 
workforce. It helps them retain their jobs, which is critical 
for not only their own economic stability, but it is critical 
for our national economy.
    What we know is, when more women are participating in the 
workforce, it grows our economy. And we already know that we 
lose about $650 billion a year in part because our women's 
labor force participation does not match that of some of our 
global partners. So paid leave is an important strategy to 
address that problem.
    Senator Whitehouse. Other countries do it?
    Ms. Frye. Other countries--almost every country does it, 
Senator, and quite frankly, we ought to be able to do it too, 
and we know from States that we can do it.
    Senator Whitehouse. And if, just say my mom from Rhode 
Island, if she is forced to choose between a job that does not 
allow her the leave that is necessary to take care of her 
child, versus staying home and taking care of the child, I 
would bet that she and a lot of moms like her would forego the 
job and stay home. That is the mother's first responsibility: 
to a child with a disability.
    Ms. Frye. Absolutely.
    Senator Whitehouse. So it is the prospect of paid leave 
when needed, that actually adds her to the workforce, is it 
not?
    Ms. Frye. Absolutely.
    Senator Whitehouse. And is that like a one-off, that 
everybody else is different, that the only place that would 
happen is with her in Rhode Island, or is that something that 
would repeat itself across other families and across other 
States, that it actually adds to the workforce to have a 
benefit like this, so that people who have the particular needs 
like she does feel that they can actually operate in the 
workforce without compromising their obligations at home?
    Ms. Frye. It absolutely is the case that we have seen 
across the country, where there are paid leave programs--and we 
know also from the Family and Medical Leave Act that when 
people have the assurance of being able to take time off, it 
not only helps them in terms of the care they need to provide 
for their families, but it helps with their economic stability.
    It is crucial at all times, particularly for women, who are 
far more likely to be the ones who have to leave their job to 
provide care, because we know they do that. That is part of 
what happened during the pandemic, Senator, is that a million 
women left the workforce. It is because they had no choice but 
to leave the workforce to care for their families.
    Senator Whitehouse. Yes. I think we have had a similar 
argument here in this committee as regards the Child Tax 
Credit, which I would argue also helps facilitate work and 
helps people get to work, because if you are a mom with kids 
and you get a robust Child Tax Credit, you can now afford, with 
those Child Tax Credit dollars, the child care that allows you 
to go to work. So I think many of these things actually support 
the workforce and support jobs and economic growth.
    So, thank you for being here. The chairman has asked me to 
gavel out the hearing. I believe as he does, that now is the 
time for Congress to enact a national paid leave program, that 
a national comprehensive program would be good for business, 
good for workers and families, and good for the economy--a 
triple win.
    But a national paid leave program will also make the 
American workforce more competitive against China. And when 
small businesses like Ben's thrive, our economy will also 
thrive.
    Members will have 7 days to submit questions for the record 
for these witnesses. That means Wednesday, November 1st by 
close of business to get any questions that you have in.
    I want to thank all the witnesses again for their time and 
trouble being here. And with that, the Senate Finance Committee 
is adjourned.
    [Whereupon, at 11:52 a.m., the hearing was concluded.]

                            A P P E N D I X

              Additional Material Submitted for the Record

                              ----------                              


                Prepared Statement of Hon. Mike Crapo, 
                       a U.S. Senator From Idaho
    This is an important hearing, as nearly every working American will 
need to take leave from work at some point in their career. The Finance 
Committee has previously explored this topic, including holding a 
subcommittee hearing in 2018 and convening a paid leave working group 
organized by then-Chairman Grassley and Chairman Wyden.

    I was a member of that bipartisan working group, which sought to 
find the most sustainable path forward on family leave policies. As I 
noted at the time, I am committed to addressing the needs of working 
Americans, both inside and outside the home, while also ensuring that 
businesses have the flexibility they need to succeed, particularly in 
today's challenging economy.

    As we will hear today, paid leave can greatly benefit workers and 
their families--from improving employee morale to helping families meet 
caregiving responsibilities. However, there are many approaches to 
expanding paid leave, and the details matter.

    Employers across the country are struggling to fill vital roles in 
their organizations, with nearly 9.6 million jobs remaining unfilled 
nationally. In a recent survey from the National Federation of 
Independent Business, 43 percent of small business owners reported job 
openings they could not fill in the current period.

    In light of these workforce challenges, Congress must be careful 
not to interfere with employers' existing paid leave offerings, which 
play an important part in their efforts to recruit and retain workers.

    According to the Bureau of Labor Statistics, in 2023, 78 percent of 
private-sector workers have access to paid sick leave and 79 percent 
have access to paid vacation. Additionally, 73 percent of small 
employers offer paid time off to the majority of their full-time 
employees, and 67 percent offer 2 weeks or more of leave.

    Imposing a one-size-fits-all paid leave program could limit 
employers' ability to offer paid leave policies that meet the unique 
needs of their workforce or significantly diminish existing employer-
provided paid leave altogether. Creating a new Federal paid leave 
program also raises questions about implementation challenges and costs 
to taxpayers. States' experience standing up paid leave programs 
illustrate some of the challenges a new Federal program could face.

    Several States that have enacted paid leave programs have had 
difficulty setting up even the most basic components of the program, 
leading to implementation delays. For example, applicants in multiple 
States have experienced delays with getting their claims approved, with 
processing times in one State expected to increase from about 5 weeks 
to 4 months by 2025 absent additional staffing. One State has had to 
repeatedly increase the revenue going to the program to avoid a funding 
deficit. And in another State, analysts have raised concerns that 
revenues may be too low to pay future benefits.

    Even though there are many challenges on this topic, the bipartisan 
work that continues from members on and off this committee shows the 
importance of the issue.

    I appreciate the witnesses being here today, and I look forward to 
your testimony.

                                 ______
                                 
            Prepared Statement of Jocelyn Frye, President, 
              National Partnership for Women and Families
    Chairman Wyden, Ranking Member Crapo, and members of the Senate 
Finance Committee, thank you for the opportunity to testify on the 
critical topic of paid leave. My name is Jocelyn Frye, and I am the 
president of the National Partnership for Women and Families.

    The National Partnership is a nonprofit, nonpartisan advocacy 
organization based in Washington, DC. We promote fairness in the 
workplace, reproductive health and rights, access to quality, 
affordable health care and policies that help all people, especially 
women, meet the dual demands of work and family. For more than 5 
decades, we have focused specifically on tackling gender-based 
barriers, often rooted in longstanding stereotypes and biases, used to 
limit the opportunities available to women, men, gender minorities and 
all those deemed to be out of step with assumptions about gender norms 
or roles. Women of color, disabled women, and women who hold other 
marginalized identities are particularly likely to face these barriers, 
compounded by prejudice and negative attitudes based on the 
intersections of their identities. We believe that it is essential to 
prioritize equity--in our workplaces, in our economy, in health care 
and health-care systems--to create environments fully equipped to 
respond to the diverse needs of workers, patients and indeed all people 
regardless of their background or resources. Our goal is to create a 
society that is free, fair and just, where nobody has to experience 
discrimination, all workplaces are family friendly, and every family 
has access to quality, affordable health care and real economic 
security.

    The National Partnership has been deeply involved in the fight for 
paid family and medical leave for decades. We wrote the first draft of 
the Family and Medical Leave Act (FMLA)--which provides unpaid, job-
protected family and medical leave--and helped lead the coalition that 
successfully won its passage in 1993. Our work on the FMLA is rooted in 
our longstanding commitment to challenge barriers impeding women's 
employment and full participation in the economy. The law has been 
instrumental in helping to counter biases and assumptions about workers 
with caregiving obligations and needs, and ensure that workers are not 
treated unfairly when navigating their family and work 
responsibilities. The FMLA is one of our proudest achievements as an 
organization, and since its passage has been used more than 460 million 
times,\1\ meaning that millions of workers no longer have to risk their 
livelihoods in order to take care of their own health or care for their 
families.
---------------------------------------------------------------------------
    \1\ National Partnership for Women and Families. (2023, February). 
Key Facts: The Family and Medical Leave Act. Retrieved 16 October 2023, 
from https://nationalpartnership.org/report/fmla-key-facts/.

    In the 3 decades since the FMLA passed, we have had the privilege 
of working alongside a number of State and national partners to advance 
the issue of paid leave. We worked with paid leave champions 
Representative Rosa DeLauro and Senator Kirsten Gillibrand to craft the 
Family and Medical Insurance Leave Act (FAMILY Act) that was first 
introduced in 2013, and to update the bill in 2023 to reflect the 
growing body of evidence and State innovation on paid leave and the 
legislative progress made in the Build Back Better Act. We are proud to 
be part of the Paid Leave for All campaign, a powerhouse coalition that 
leverages policy and research expertise and its grassroots memberships 
in the fight to make national paid family and medical leave a reality. 
We lead the National Work and Family Coalition, a diverse group of more 
than 200 national and State advocacy organizations that advance 
supportive workplace policies like paid leave nationally and in States 
across the country. We also participate in the Care Can't Wait 
campaign, a national campaign to advance comprehensive care supports to 
expand access to child care, paid family and medical leave and home- 
and community-based services while ensuring high-quality jobs for the 
---------------------------------------------------------------------------
care workforce.

    We have worked at the national, State and local levels to advance 
different types of paid leave programs. At the Federal level, our 
recent work has included successfully advocating for the Federal 
Employee Paid Leave Act (FEPLA), which provided Federal workers with up 
to 12 weeks of fully paid leave to welcome a new child. We worked 
closely with members of Congress and partners to secure the inclusion 
of emergency paid sick leave and paid family leave in the Families 
First Coronavirus Response Act (FFCRA)--which, although narrow in 
scope, still helped slow the spread of coronavirus and prevented an 
estimated 15,000 cases per day.\2\ And we worked day and night 
alongside our partners and legislative champions to shape the 
comprehensive, universal paid family and medical leave program that 
passed the House as part of the Build Back Better reconciliation 
package in November 2021. We also fought for the creation of a State 
paid leave research fund within the Department of Labor and worked with 
several States to help them apply for funding and carry out invaluable 
research that has been foundational to paid leave efforts across the 
country. Most recently, we successfully advocated for a provision in 
the CHIPS and Science Act to allow for more flexibility for people 
working on Federal science grants who have caregiving responsibilities.
---------------------------------------------------------------------------
    \2\ Pichler, S. Wen, K. and Ziebarth, N.R. (2020, October). COVID-
19 Emergency Sick Leave Has Helped Flatten the Curve in the United 
States. Health Affairs, 39(12); Mason J. (2022, February). Lack of Paid 
Leave Stifles Economic Recovery and Blocks Women's Return to Work. 
Retrieved 19 October 2023, from National Partnership for Women and 
Families website: https://nationalpartnership.org/wp-content/uploads/
2023/02/lack-of-paid-leave-stifles.pdf. Unfortunately, the emergency 
COVID leave expired at the end of 2020.

    At the State level, we are routinely consulted by the dynamic and 
innovative advocates who have been fighting for--and winning--paid 
leave in their States. We have testified at State hearings and carried 
out extensive research on and analysis of the implementation of State 
paid leave laws, the benefits of paid leave and negative impacts of 
lack of access to paid leave--and we continue to do so to this day. We 
also work closely with business partners to discuss best practices, 
encourage the adoption of supportive leave policies, and elevate 
business support for a national paid leave law.\3\
---------------------------------------------------------------------------
    \3\ Businesses Advancing National Paid Leave. (n.d.). Businesses 
are advancing the case for national paid leave. Retrieved 18 October 
2023, from https://advancingpaidleave.org/.

    The breadth and depth of our decades-long experience has given us a 
deep understanding of the evolution of paid leave policy, what works 
and doesn't work in program design, and what these programs have meant 
to millions of workers, businesses, local communities and the American 
economy as a whole. We believe that paid family and medical leave is a 
core workplace standard that is necessary, long overdue, and essential 
to strengthening our economy and creating workplaces of the future that 
maximize the potential of all workers.
i. paid leave is essential for the modern workforce--and essential for 
               strengthening and growing a modern economy
    The need for paid leave is urgent--the millions of families across 
the country who stand to benefit cannot wait, and its positive impacts 
on the workforce and economy are clear. The pandemic's sudden 
disruption of our economy was a stark, sobering demonstration that the 
lack of comprehensive care supports undermines the ability of workers, 
especially women workers, to find and keep jobs and economically 
contribute to their families. Learning from the pandemic's lessons 
requires building a modern, functioning economy that can tap the full 
potential of all workers, and to do so requires prioritizing access to 
comprehensive paid leave. Research consistently shows that paid leave 
is an indispensable tool, enabling people from all backgrounds to 
better participate in the economy. Ample evidence from existing paid 
leave programs shows how to successfully implement paid leave to 
support workers and businesses, and the policies are overwhelmingly 
popular with workers and the public. Without action, the Nation risks 
leaving recent economic gains on the table and stalling future 
progress. The cost of failing to act--for workers, families and the 
nation--is too high to ignore.
A. Learning From History: Correcting Discrimination and Valuing Women's 
        Work
    Our Nation's current lack of a comprehensive, nationwide paid 
family and medical leave program cannot be divorced from our historical 
context. For much of our Nation's history, women's labor was viewed 
very narrowly and often seen as less important than the labor performed 
by men. Women's work was devalued precisely because it was performed by 
women, reflected in lower wages and fewer opportunities--a legacy that 
continues to this day. A large body of research demonstrates these 
gender dynamics, showing how wages decrease for both women and men as 
women's share of an occupation increases, even after accounting for 
other relevant factors.\4\ Additionally, women were often limited to 
certain sectors, such as the domestic sphere,\5\ which lacked essential 
labor protections,\6\ while other, more lucrative opportunities were 
foreclosed. Outside of the domestic sector, women have generally faced 
barriers to training, better-paying jobs and accessing diverse roles in 
the formal labor market.\7\
---------------------------------------------------------------------------
    \4\ For more on the historic devaluation of women's labor, see 
Cohen, P. and Huffman, M. (2003, March). Occupation segregation and the 
devaluation of women's work across U.S. labor markets. Social Forces, 
81(3), 881-908.
    \5\ Yellen, J. (2020, May). The history of women's work and wages 
and how it has created success for us all. The Brookings Institution. 
Retrieved October 19, 2023, from https://www.
brookings.edu/articles/the-history-of-womens-work-and-wages-and-how-it-
has-created-success-for-us-all/.
    \6\ Henderson, K. (2020, November). Why Millions of Workers in the 
U.S. Are Denied Basic Protections. Oxfam America. Retrieved October 19, 
2023, from https://politicsofpoverty.oxf
amamerica.org/why-millions-workers-us-are-denied-basic-protections/.
    \7\ See note 5; Banks, N. (2019, February). Black women's labor 
market history reveals deep-seated race and gender discrimination. 
Retrieved 19 October 2023, from Economic Policy Institute website: 
https://www.epi.org/blog/black-womens-labor-market-history-reveals-
deep-seated-race-and-gender-discrimination/.

    In addition to gender, the segregation of work along racial and 
ethnic lines is also deeply rooted in the Nation's history. From the 
era of slavery into the ensuing decades, Black women, for example, were 
always expected to work, mostly in service of White families with their 
own personal caregiving or family needs deprioritized and taking a back 
seat.\8\ Entrenched racism meant that Black women were confined to 
domestic and laborer jobs where their opportunities were limited.\9\ 
While each demographic group has had their own unique experiences in 
the labor market, many other women of color--Latinas, Asian and Pacific 
Islander women, and Native women--have also had to navigate the 
combined effects of race, ethnic, and gender bias that has relegated 
them to the lowest paying domestic, service, and laborer jobs.\10\
---------------------------------------------------------------------------
    \8\ See note 7.
    \9\ Ibid.
    \10\ Frye, J. (2016, October). The Missing Conversation about Work 
and Family: Unique Challenges Facing Women of Color. Center for 
American Progress Publication. Retrieved 23 October 2023, from https://
cdn.americanprogress.org/wp-content/uploads/2016/09/30124619/WorkAnd
Family-WomenOfColor-Oct.pdf; Mason, J. and Gallagher Robbins, K. (2023, 
March). Women's Work Is Undervalued, and It's Costing Us Billions. 
Retrieved 186 October 2023, from National Partnership for Women and 
Families website: https://nationalpartnership.org/wp-content/uploads/
2023/04/womens-work-is-undervalued.pdf.

    Because of these collective attitudes, the term ``women's work'' 
has often involved care work, disproportionately performed by women of 
color for little or no pay.\11\ Such work is frequently seen as not 
having real value even though it is essential to the sustainability and 
well-being of families. The importance of caregiving as work, both paid 
and unpaid, has long been ignored and treated as inconsequential, thus 
it isn't always quantified or measured or captured by metrics such as 
the GDP.\12\ National Partnership research shows that women spend 
nearly twice as much time as men providing unpaid care for children, 
parents, spouses, and other loved ones.\13\ Overall, Americans' unpaid 
caregiving--two-thirds of which is done by women--is worth nearly $1 
trillion each year.\14\
---------------------------------------------------------------------------
    \11\ See Frye note 10; see note 7; see note 5.
    \12\ Folbre, M. (2006, July). Measuring Care: Gender, Empowerment, 
and the Care Economy. Journal of Human Development, 7(2), 183-199.
    \13\ Gallagher Robbins, K., and Mason, J. (2023, August 14). 
Women's unpaid caregiving is worth more than $625 billion--and it could 
cost more. National Partnership for Women and Families Blog. Retrieved 
16 October 2023, from https://nationalpartnership.org/womens-unpaid-
caregiving-worth-more-than-625-billion/.
    \14\ Ibid.

    The perception that caregiving should be largely understood through 
a framework of women's responsibilities--and that women's 
responsibilities are not considered labor, nor is their participation 
in a formal labor market valuable or an economic priority--has directly 
contributed to the undervaluing of caregiving and care work. It helps 
us understand why certain types of supports have not been prioritized 
in our public policy landscape. When efforts to begin a paid leave 
program began more than 100 years ago, women in what might have been 
considered as the mainstream American workforce were less common, with 
women of color and unmarried women much more likely to be engaged in 
work to support their families than white women.\15\ Women across the 
globe banded together to advocate for working protections, lobbying the 
newly formed International Labor Organization in 1919 to pass an 
international standard that included 12 weeks of paid maternity leave, 
but the United States did not ratify the convention and remains the 
only developed Nation without this standard.\16\ Even as women in the 
workplace became more common, especially during World War II,\17\ 
permanent, sustainable policies to support child care and maternity 
leave remained out of reach. In the 1960s and 1970s, as women's 
education increased and they entered the formal workplace in 
droves,\18\ they still faced unemployment and discrimination when they 
become pregnant or need to care for a loved one, impeding women's 
abilities to achieve economic independence or support themselves and 
their families.\19\ Employers discriminated against women regardless of 
their family status, denying employment opportunities to those they 
believed might become pregnant or need time away from work. The FMLA 
broke new ground to tackle this problem head on--by connecting the dots 
between the need to create supports for caregiving, and the need to 
prevent discrimination aimed mostly, but not always, at women because 
of their caregiving roles. Under the FMLA, the ability to take leave 
was established as a gender-neutral protection, available to all 
eligible workers, to help them fulfill their work and family 
obligations without penalty and avoid discriminatory treatment. This 
historical context about how women workers and the work that they 
perform have been perceived is crucial to understand the current public 
policy landscape--and the obstacles that have influenced certain 
supports not being prioritized.
---------------------------------------------------------------------------
    \15\ Streeter, L.G. (2021, November 10). Paid family leave isn't a 
new fight. Here's a century's worth of attempts to get something 
passed. The Washington Post. Retrieved 19 October 2023, from https://
www.washingtonpost.com/lifestyle/2021/11/10/paid-family-leave-isnt-new-
fight-heres-centurys-worth-attempts-get-something-passed/; see note 5.
    \16\ Siegel, M. (2019, November 29). The Forgotten Origins of Paid 
Family Leave. The New York Times. Retrieved 19 October 2023, from 
https://www.nytimes.com/2019/11/29/opinion/mothers-paid-family-
leave.html.
    \17\ See note 5.
    \18\ For a history of women's participation in the formal labor 
market in the United States, see Goldin C. The U-Shaped Female Labor 
Force Function in Economic Development and Economic History. In 
Schultz, T.P. (Ed). (1995). Investment in Women's Human Capital and 
Economic Development. Chicago, IL: University of Chicago Press. 
Goldin's research is part of her Nobel Prize-winning record of 
scholarship.
    \19\ Molnar, C. (2005). ``Has the Millennium Yet Dawned?'': A 
History of Attitudes Toward Pregnant Workers in America. Michigan 
Journal of Gender and Law. 12(1), 163-187.
---------------------------------------------------------------------------
B. Current Challenges Facing Workers That Undermine Maximizing Full 
        Participation in the Economy
    Much of the current conversation about the economy has focused on 
low unemployment and tight labor markets, but the challenges that faced 
certain categories of workers prior to the pandemic--women, workers of 
color, disabled workers, and workers in low wage jobs--continue to 
persist.\20\ And the cost of not acting to address these shortcomings 
through critical caregiving investments is high.
---------------------------------------------------------------------------
    \20\ Harring, A. (2023, February 3). Black women are gaining group 
in the labor market but still face unique barriers. CNBC. Retrieved 23 
October 2023, from https://www.cnbc.com/2023/02/03/black-women-are-
gaining-ground-in-the-labor-market-but-still-face-unique-barriers.html.

            Barriers to Women's Full Participation in the Economy
    Decades of deliberate policy choices to underinvest in necessary 
caregiving programs, undermining families' abilities to prioritize 
their caregiving needs, have had enormous impacts on America's women. 
Women are the unspoken backbone of our Nation's economy. They drive an 
overwhelming majority of purchases \21\ and control a growing share of 
the Nation's wealth.\22\ Women are nearly half the labor force,\23\ and 
are a key source of economic support for their families. Two-thirds of 
mothers are their family's primary, sole or co-breadwinners.\24\ These 
numbers are even higher for many mothers of color, with Black mothers 
occupying the highest share--an estimated 85 percent of Black mothers 
are primary, sole or co-breadwinners for their families.\25\ Yet, women 
continue to face numerous barriers to full participation in today's 
economy, including discrimination and harassment \26\ that too often 
goes unchecked \27\ and insufficient caregiving supports, even while 
they continue to do the majority of paid and unpaid caregiving.\28\ The 
result is that these forces push many women out of the labor force 
altogether--as we saw so clearly when the pandemic hit.\29\ Even when 
they are able to hold jobs, that work is often undervalued and 
underpaid. The failure to support women's full participation in the 
economy comes at a cost to both families and the economy--and paid 
leave is an essential part of the solution.
---------------------------------------------------------------------------
    \21\ Numerator. (2023, March). Breaking Stereotypes: The Women 
Driving Sales in Male-Centric Categories. Retrieved 19 October 2023, 
from https://www.numerator.com/resources/report/breaking-stereotypes.
    \22\ Baghai, P., Howard, O., Prakash, L., and Zucker, J. (2020, 
July). Women as the next wave of growth in U.S. wealth management. 
Retrieved 19 October 2023, from McKinsey and Company website: https://
www.mckinsey.com/industries/financial-services/our-insights/women-as-
the-next-wave-of-growth-in-us-wealth-management.
    \23\ U.S. Bureau of Labor Statistics. (n.d.). Table A-1. Employment 
status of the civilian population by sex and age. Retrieved 19 October 
2023, from https://www.bls.gov/news.release/empsit.t01.htm. In 
September 2023 women workers were 46.8 percent of the Nation's labor 
force.
    \24\ Glynn, S.J. (2021, March). Breadwinning Mothers Are Critical 
to Families' Economic Security. Retrieved 23 October 2023, from Center 
for American Progress website: https://www.
americanprogress.org/article/breadwinning-mothers-critical-familys-
economic-security/.
    \25\ Ibid.
    \26\ Parker, K., and Funk, C. (2017, December). Gender 
discrimination comes in many forms for today's working women. Retrieved 
19 October 2023, from Pew Research Center website: https://
www.pewresearch.org/short-reads/2017/12/14/gender-discrimination-comes-
in-many-forms-for-todays-working-women.
    \27\ SteelFisher, G.K., Findling, M.G., Bleich, S.N., Casey, L.S., 
Blendon, R.J., Benson, J.M., Sayde, J.M., and Miller, C. (2019, 
October). Gender discrimination in the United States: Experiences of 
women. Health Services Research, 54(2), 1442-1453.
    \28\ See note 13.
    \29\ Bipartisan Policy Center. (2020, October 28). New Survey: 
Facing Caregiving Challenges, Women Leaving the Workforce at 
Unprecedented Rates. [Blog post]. Retrieved 2018 October 2023, from 
https://bipartisanpolicy.org/blog/facing-caregiving-challenges/.

    Despite the fact that women are disproportionately likely to need 
paid leave, they are less likely than men to be able to take leave when 
they need it.\30\ They are also more likely than men to take leave 
without full pay or to take unpaid leave.\31\ In part due to a large 
gender wage gap,\32\ women are also more likely to report financial 
distress when taking leave without full pay, with three-quarters of 
women saying it is much more difficult to make ends meet when on 
leave.\33\ Single women are especially likely to confront challenges 
when taking leave: more than half report going without pay, and 15 
percent report losing a job as a result of taking leave.\34\
---------------------------------------------------------------------------
    \30\ Herr, J., Roy, R., and Klerman, J.A. (2020, November). Gender 
Differences in Needing and Taking Leave. Retrieved 19 October 2023, 
from the U.S. Department of Labor website: https://www.dol.gov/sites/
dolgov/files/OASP/evaluation/pdf/WHD_FMLAGenderShortPaper_January
2021.pdf.
    \31\ Ibid.
    \32\ National Partnership for Women and Families. (September 2023). 
Quantifying America's Gender Wage Gap by Race/Ethnicity. Retrieved 19 
October 2023, from https://national
partnership.org/wp-content/uploads/2023/02/quantifying-americas-gender-
wage-gap.pdf.
    \33\ See note 30.
    \34\ Among partnered women who took a leave, 33 percent reported 
receiving no pay at all, and 3 percent reported losing a job. See note 
30 (Exhibits 11 and 13).
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            A Lack of Paid Leave Disproportionately Impacts Workers of 
                    Color
    While paid leave is needed for all families across the country, 
regardless of race, gender, or ethnicity, we know that both the 
devaluation of care and the lack of guaranteed paid leave has 
disproportionate impacts on women of color, especially Black women and 
Latinas.\35\ The inadequate access to paid leave for women and 
communities of color compounds other racial injustices including the 
racial wealth gap, maternal morbidity and mortality, inequitable access 
to health care and discriminatory experiences with health-care 
providers.\36\ Inadequate paid leave policies cost Black women and 
their families nearly $4 billion a year in lost wages,\37\ a loss that 
is especially challenging because Black women also face a large gender 
wage gap.\38\ Despite their caregiving commitments, surveys find that 
Black and Latino workers are less able to take leave when they need 
it.\39\ In fact, Black women report being unable to take leave 38 
percent of the time they need it, resulting in 1.1 million untaken 
leaves.\40\ And even when they do take leave, they are often forced to 
do so without pay. On top of the Black women who are unable to take any 
leave at all, more than one-quarter (26 percent) of leaves taken by 
Black women are taken without pay, reducing their and their families' 
economic security.\41\
---------------------------------------------------------------------------
    \35\ See note 13; Milli, J., Frye, J., and Buchanan, M.J. (2022, 
March). Black Women Need Access to Paid Family and Medical Leave. 
Retrieved 19 October 2023, from Center for American Progress website: 
https://www.americanprogress.org/article/black-women-need-access-to-
paid-family-and-medical-leave/.
    \36\ National Partnership for Women and Families. (August 2018). 
Paid Family and Medical Leave: A Racial Justice Issue--And Opportunity. 
Retrieved 19 October 2023, from https://nationalpartnership.org/report/
paid-family-and-medical-leave-a-racial-justice-issue-and-opportunity/.
    \37\ See note 35.
    \38\ See note 32.
    \39\ Horowitz, J., Parker, K., Graf, N., and Livingston, G. (2017, 
March). Americans Widely Support Paid Family and Medical Leave, but 
Differ Over Specific Policies. Retrieved 19 October 2023, from Pew 
Research Center website: https://assets.pewresearch.org/wp-content/
uploads/sites/3/2017/03/22152556/Paid-Leave-Report-3-17-17-FINAL.pdf.
    \40\ See Milli, Frye, and Buchanan note 35.
    \41\ Ibid.

            A Lack of Paid Leave Disproportionately Impacts Disabled 
                    Workers
    Paid leave is also critical for disabled women workers. Research by 
the Center for American Progress shows that 16 percent of workers who 
took FMLA leave did so to address an ongoing health condition, many of 
which may be disabilities such as chronic migraines, diabetes or 
multiple sclerosis.\42\ Women workers and Black workers were 
particularly likely to need this type of leave.\43\ Though disabled 
workers may be especially likely to need paid leave to take care of 
their own health, they report less access to paid leave than 
nondisabled workers.\44\ This is in part because disabled people are 
more likely to work in low-wage jobs, which are less likely to offer 
paid leave.\45\ Disabled workers also need leave to provide care to 
their family or loved ones. Nearly three out of 10 workers (29 percent) 
who took leave for an ongoing health condition were also caring for 
children under 18,\46\ and, similar to LGBTQ+ workers, disabled workers 
are especially likely to need leave to support their chosen family.\47\ 
For disabled workers--who have less income and savings to rely on, face 
significant health disparities, and are more likely to be in poverty 
\48\--a lack of paid leave compounds existing inequities.
---------------------------------------------------------------------------
    \42\ Boesch, D., and Cokley, R. (2020, October). The Disability 
Community Needs Paid Family and Medical Leave. Retrieved 19 October 
2023, from Center for American Progress website: https://
www.americanprogress.org/article/disability-community-needs-paid-
family-medical-leave/.
    \43\ Ibid.
    \44\ U.S. Department of Labor, Office of Disability Employment 
Policy. (2021, December). Access to Paid Leave for Family and Medical 
Reasons Among Workers with Disabilities (p. 5). Retrieved 19 October 
2023, from https://www.dol.gov/sites/dolgov/files/ODEP/pdf/Access-To-
Paid-Leave-ForFamily-And-Medical-Reasons-Among-People-With-
Disabilities.pdf.
    \45\ Ditkowsky, M. (2023, July). Systems Transformation Guide to 
Disability Economic Justice: Jobs and Employment. Retrieved 19 October 
2023, from National Partnership for Women and Families website: https:/
/nationalpartnership.org/wp-content/uploads/systems-transformation-
guide-disability-economic-justice-jobs-employment.pdf; Mason, J. (2023, 
September 21). When We Fight, We Win--Paid Sick Days and Paid Family 
Leave. National Partnership for Women and Families Blog. Retrieved 19 
October 2023, from https://nationalpartnership.org/when-we-fight-we-
win-paid-sick-days-and-paid-family-leave/.
    \46\ See note 42.
    \47\ Gallagher Robbins, K., Durso, L.E., and Bewkes, F.J. (2017, 
October 30). People Need Paid Leave Policies That Cover Chosen Family. 
Retrieved 19 October 2023, from Center for American Progress website: 
https://www.americanprogress.org/article/people-need-paid-leave-
policies-that-cover-chosen-family/.
    \48\ See Ditkowsky note 45.
---------------------------------------------------------------------------
A Lack of Paid Leave Disproportionately Impacts Low-Wage Workers
    Low-wage workers and those in service occupations especially lack 
access to paid leave. Bureau of Labor Statistics data for 2023 shows 
that workers in management and professional occupations have twice as 
much access to employer-provided paid family leave (39 percent), than 
service workers (16 percent).\49\ The gap between the highest-paid 
workers (48 percent) and lowest-paid (6 percent) is even more stark, 
with the highest paid workers eight times more likely to have employer-
provided paid leave than those with the lowest wages.\50\ While these 
data are not broken down by gender, National Partnership research 
demonstrates that women, especially women of color and disabled women, 
are especially likely to hold low-wage and service sector 
occupations.\51\ Low-wage workers are the least likely to be able to 
take unpaid leave even if they are eligible,\52\ making paid leave 
particularly critical for these workers.
---------------------------------------------------------------------------
    \49\ U.S. Bureau of Labor Statistics. (2023, September). National 
Compensation Survey: Employee Benefits in the United States, March 2023 
(Excel tables, Leave, Civilian workers). Retrieved 19 October 2023, 
from https://www.bls.gov/ebs/publications/employee-benefits-in-the-
united-states-march-2023.htm.
    \50\ See Mason note 45.
    \51\ See Mason and Gallagher Robbins note 10.
    \52\ Brown, S., Herr, J., Roy, R., and Klerman, J.A. (2020, July). 
Employee and Worksite Perspectives of the Family and Medical Leave Act: 
Supplemental Results from the 2018 Surveys (p. 41). Retrieved 19 
October 2023, from Department of Labor website: https://www.dol.gov/
sites/dolgov/files/OASP/evaluation/pdf/
WHD_FMLA2018SurveyResults_Appendices_Aug2020.pdf.
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            The Cost of Inaction on Paid Leave Is High
    Failure to act on paid leave and other caregiving policies has 
tremendous consequences for families and the economy. As women's labor 
force participation in the United States continues to lag behind other 
comparable nations, we leave billions of dollars on the table each 
year.\53\ In fact, the gap between prime-age women's labor force 
participation in the United States compared to Canada, Germany, and the 
U.K. cost the U.S. economy more than $3 trillion over a 5 year 
period.\54\ And research from the Center for American Progress shows 
that even before recent increases in inflation workers were losing more 
than $22.5 billion in wages each year due to a lack of paid leave--and 
the majority of this loss is borne by women workers.\55\
---------------------------------------------------------------------------
    \53\ Novello, A. (2021, July). The Cost of Inaction: How a Lack of 
Family Care Policies Burdens the U.S. Economy and Families. Retrieved 
19 October 2023, from National Partnership for Women and Families 
website: https://nationalpartnership.org/wp-content/uploads/2023/02/
cost-of-inaction-lack-of-family-care-burdens-families.pdf.
    \54\ Ibid.
    \55\ Glynn, S.J. (2020, January). The Rising Cost of Inaction on 
Work-Family Policies. Center for American Progress Publication. 
Retrieved 23 October 2023, from https://www.americanpro
gress.org/issues/women/news/2020/01/21/479555/rising-cost-inaction-
work-familypolicies/.

C. Investing in Paid Family and Medical Leave Can Help Address Problems 
        Facing Workers, Workplaces, and Employers
    Research proves that the benefits of paid leave are substantial, 
supporting all workers and the economy overall.
            Paid Leave Supports Workers Caring for Older Adults Amidst 
                    Demographic Changes
    As the U.S. population ages, the need for paid leave to support 
family caregivers is already acute and only growing more urgent. Right 
now, about one in five Americans is providing unpaid care to an older 
or disabled adult,\56\ and these caregivers are disproportionately 
women.\57\ The need for caregivers is certain to grow in the coming 
years, as by 2040 the population of adults 65 and older is expected to 
grow more than 40 percent compared to its 2020 level, reaching more 
than 80 million people.\58\ About 6 in 10 family caregivers are also in 
the workforce,\59\ all too often struggling to manage both their 
caregiving responsibilities and their jobs. One in seven caregivers has 
had to cut back their hours at work as a result of caregiving, 6 
percent report giving up working and five percent report retiring 
early.\60\ These job impacts undermine caregivers' long-term financial 
security: men over the age of 50 who leave the workforce to provide 
care for a parent lose, on average, nearly $284,000 in earnings and 
retirement savings--and women, $324,000.\61\ For women of color, that 
lost income further compounds wage and wealth gaps.
---------------------------------------------------------------------------
    \56\ National Alliance for Caregiving and AARP. (2020, May). 
Caregiving in the U.S. 2020 (Figure 2). National Alliance for 
Caregiving and AARP Public Policy Institute Publication. Retrieved 19 
October 2023, from https://www.aarp.org/content/dam/aarp/ppi/2020/05/
full-report-caregiving-in-the-united-states.doi.10.26419-
2Fppi.00103.001.pdf.
    \57\ Ibid.
    \58\ Vespa., J., Medina, L., and Armstrong, D.M. (2020, February). 
Demographic Turning Points for the United States: Population 
Projections for 2020 to 2060. U.S. Census Bureau Publication. Retrieved 
17 October 2023, from https://www.census.gov/content/dam/Census/
library/publications/2020/demo/p25-1144.pdf.
    \59\ See note 56.
    \60\ Ibid.
    \61\ MetLife Mature Market Institute. (2011, June). The MetLife 
Study of Caregiving Costs to Working Caregivers: Double Jeopardy for 
Baby Boomers Caring for Their Parents (p. 14). Retrieved 19 October 
2023, from https://www.caregiving.org/wp-content/uploads/2011/06/mmi-
caregiving-costs-working-caregivers.pdf.

    When a lack of support drives caregivers out of the workforce, 
employers lose talented, experienced employees and our economy suffers. 
Health and caregiving reasons are main factors behind why nearly 20 
percent of prime-age adults are out of the labor force.\62\ But among 
those who are out of the labor force due to family care, about half say 
that they would have kept working in their last job if they had had 
paid family leave.\63\ And in fact, State paid leave programs have been 
shown to improve the labor force participation of unpaid family 
caregivers.\64\ Investments in paid leave are an essential piece of 
adapting our economy to demographic change.
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    \62\ Gitis, B., and Wielk, E. (2023, September 1). Barriers to 
Work: A Recent BPC-Artemis Survey of Non-working Americans and the Need 
for Paid Family and Medical Leave. Bipartisan Policy Center 
Publication. Retrieved 19 October 2023, from https://
bipartisanpolicy.org/report/bpc-artemis-survey/.
    \63\ Ibid.
    \64\ Saad-Lessler, J. (2020, October). How does paid family leave 
affect unpaid care providers? The Journal of the Economics of Ageing, 
17, 100265. doi: https://doi.org/10.1016/j.jeoa.2020.
100265; Anand, P., Dague, L., and Wagner, K.L. (2022, May). The role of 
paid family leave in labor supply responses to a spouse's disability or 
health shock. Journal of Health Economics, 83, 203632. doi: 10.1016/
j.jhealeco.2022.102621.
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            Paid Leave Programs Benefit Workers' Health and Economic 
                    Security
    Supporting workers' caregiving and health needs through paid leave 
has tremendous positive impacts for individuals and families. Numerous 
studies now show that paid leave programs go a long way to redress long 
standing inequities for workers, especially women of color. Paid leave 
programs increase the time new mothers take to bond with new children 
and recover from birth,\65\ and reduce the incidence of low birth 
weight and preterm births \66\--with both benefits especially 
pronounced for Black mothers. Research also links State paid leave 
programs to improved physical \67\ and mental health for new mothers, 
including lower postpartum distress,\68\ improved on-time vaccination 
rates,\69\ greater initiation and duration of breastfeeding,\70\ fewer 
infant hospitalizations \71\ and more. Paid leave increases new 
fathers' leave-taking,\72\ which supports greater involvement in 
parenting,\73\ including for nonresident fathers.\74\ And paid leave 
for parents supports economic security as well as health; research on 
the Nation's longest-running paid leave program in California shows 
increases in income and decreases in poverty as a result of paid 
leave.\75\
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    \65\ Rossin-Slater, M., Ruhm, C., and Waldfogel, J. (2013). The 
Effects of California's Paid Family Leave Program on Mothers' Leave-
Taking and Subsequent Labor Market Outcomes. Journal of Policy Analysis 
and Management, 32(2), 224-245. doi: 10.1002/pam.21676.
    \66\ Stearns, J. (2015, September). The effects of paid maternity 
leave: Evidence from Temporary Disability Insurance. Journal of Health 
Economics, 43, 85-102. doi: 10.1016/j.jhealeco.
2015.04.005.
    \67\ Pal, I. (2016). Work, Family and Social Policy in the United 
States--Implications for Women's Wages and Well-being. Doctoral thesis, 
Columbia University. Retrieved 19 October 2023, from https://
academiccommons.columbia.edu/doi/10.7916/D87W6C74.
    \68\ Doran, E.L., Bartel, A.P., Ruhm, C.J., and Waldfogel, J. 
(2020, July). California's paid family leave law improves maternal 
psychological health. Social Science & Medicine, 256, 113003. doi: 
10.1016/j.socscimed.2020.113003.
    \69\ Choudhury, A.R., and Polachek, S.W. (2019, July). The Impact 
of Paid Family Leave on the Timing of Infant Vaccinations. I. Z. A. 
Institute of Labor Economics, No. 12483. Retrieved 19 October 2023, 
from http://ftp.iza.org/dp12483.pdf.
    \70\ Pac, J., Bartel, A., Ruhm, C., and Waldfogel, J. (2023, 
December). Paid family leave and parental investments in infant health: 
Evidence from California. Economics and Human Biology, 51. doi: 
10.1016/j.ehb.2023.101308. See also Hamad, R., Modrek, S., and White, 
J.S. (2019, January). Paid Family Leave Effects on Breastfeeding: A 
Quasi-Experimental Study of U.S. Policies. American Journal of Public 
Health. 109(1): 164-166. doi: 10.2105/AJPH.2018.304693.
    \71\ Pihl, A.M., and Basso, G. (2019). Did California Paid Family 
Leave Impact Infant Health? Journal of Policy Analysis and Management. 
38(1), 155-180. doi: 10.1002/pam.22101; Klevens, J., Luo, F., Xu, L., 
Peterson, C., and Latzman, N. (2016). Paid family leave's effect on 
hospital admissions for pediatric abusive head trauma. Injury 
Prevention, 22, 442-445. doi: 10.1136/injuryprev-2015-041702.
    \72\ Bartel, A.P., Rossin-Slater, M., Ruhm, J., Stearns, J., and 
Waldfogel, J. (2018). Paid Family Leave, Fathers' Leave-Taking, and 
Leave-Sharing in Dual-Earner Households. Journal of Policy Analysis and 
Management, 37(1), 10-37. doi: 10.1002/pam.22030.
    \73\ Petts, R.J., Knoester, C., and Waldfogel, J. (2020). Fathers' 
Paternity Leave-Taking and Children's Perceptions of Father-Child 
Relationships in the United States. Sex Roles, 82, 173-188. 
doi:10.1007/s11199-019-01050-y.
    \74\ Pilkauskas, N.V., and Schneider, W.J. (2020, October). Father 
Involvement Among Nonresident Dads: Does Paternity Leave Matter? 
Journal of Marriage and Family, 82(5), 1606-1624. doi: 10.1111/
jomf.12677.
    \75\ Romig, K., and Bryant, K. (2021, April). A National Paid Leave 
Program Would Help Workers, Families. Retrieved 20 October 2023, from 
Center on Budget and Policy Priorities website: https://www.cbpp.org/
research/economy/a-national-paid-leave-program-would-help-workers-
families.

    The health and economic effects of paid leave are not limited to 
parental leave. Only about one in five FMLA claims are taken for a new 
child; the majority of leaves are taken to address one's own illness or 
serious health condition.\76\ Research on service and retail workers--a 
group of workers who are especially likely to lack access to paid 
leave--demonstrates clear impact. When these workers took paid leave, 
as compared to unpaid leave, for a new child or to address their own or 
a loved one's health concern, they were significantly less likely to 
have difficulty making ends meet or experience hunger and significantly 
more likely to report happiness and quality sleep.\77\ Paid leave has 
even been shown to reduce elder nursing home utilization,\78\ which can 
benefit those adults' health (for example, by lessening exposure to 
infections common in congregate settings), improve staffing ratios for 
those patients who remain in institutional care and keep more older 
adults in their homes and communities.
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    \76\ See note 1.
    \77\ Goodman, J., and Schneider, D. (2021, November). The 
association of paid medical and caregiving leave with the economic 
security and well-being of service sector workers. BC Public Health, 
21. doi: 10.1186/s12889-021-11999-9.
    \78\ Arora, K., and Wolf, D.A. (2017, November). Does Paid Family 
Leave Reduce Nursing Home Use? The California Experience. Journal of 
Policy Analysis and Management, 37(1), 38-62. doi: 10.1002/pam.22038.

            Paid Leave Is a Win-Win for Businesses and Workers Alike
    State paid leave programs are also feasible and workable for 
businesses, including small businesses, and employers even accrue 
benefits to retention, productivity and morale. Recruiting and training 
new employees is costly, averaging 24 percent and up to 150 percent of 
annual wages in certain industries,\79\ and research shows paid leave 
decreases turnover and increases the likelihood new mothers and low-
wage workers return to their previous jobs.\80\ Firm-level analysis of 
employers in California before and after paid family leave was 
implemented confirmed that for the average firm, wage costs had not 
increased and turnover rates had decreased.\81\ Research in California 
also found that for workers in lower quality jobs who needed time off, 
the share who reported returning to their same employer was nearly 10 
percentage points higher among those who used the State paid leave 
program compared to those who did not \82\--a major benefit to 
employers in a tight labor market where replacing workers can be 
challenging. And employers cite increases in employee morale, with an 
executive from Deloitte (a corporation with locations in numerous paid 
leave program States)\83\ testifying before a Senate Finance 
subcommittee that, ``[our] expanded leave program has had a profound 
impact on our people, and the realized benefits have far outstripped 
concerns about operational disruption from expanded leave.''\84\
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    \79\ Bahn, K., and Sanchez Cumming, C. (2020, December). Improving 
U.S. labor standards and the quality of jobs to reduce the costs of 
employee turnover to U.S. companies (p. 4). Retrieved 20 October 2023, 
from Washington Center for Equitable Growth website: https://
equitablegrowth.org/wp-content/uploads/2020/12/122120-turnover-costs-
ib.pdf.
    \80\ National Partnership for Women and Families. (2023, October). 
Paid Leave Is Good for Business. Retrieved 20 October 2023, from 
https://nationalpartnership.org/wp-content/uploads/2023/02/paid-leave-
good-for-business.pdf.
    \81\ Bedard, K., and Rossin-Slater, M. (2016, October 13). The 
Economic and Social Impacts of Paid Family Leave in California: Report 
for the California Employment Development Department. Retrieved 20 
October 2023, from https://edd.ca.gov/siteassets/files/disability/pdf/
PFL_Economic_and_Social_Impact_Study.pdf.
    \82\ Appelbaum, E., and Milkman, R. (2011). Leaves That Pay: 
Employer and Worker Experiences with Paid Family Leave in California. 
Center for Economic and Policy Research Publication. Retrieved 20 
October 2023, from https://www.cepr.net/documents/publications/paid-
family-leave-1-2011.pdf.
    \83\ Deloitte. (n.d.) Our offices. Retrieved 20 October 2023, from 
https://www2.deloitte.com/us/en/footerlinks/office-locator.html.
    \84\ Examining the Importance of Paid Family Leave for American 
Working Families: Hearings before the Subcommittee on Social Security, 
Pensions and Family Policy, 115th Cong. (2018) (testimony of Carolyn 
O'Boyle).

    Employer profitability and employee performance also improve with 
paid leave. A study found that after implementing their own paid leave 
policies, manufacturing companies saw a $2.57 return for every $1.00 
invested in their workforce, on average, and tech companies a $2.64 
return per $1.00 invested.\85\ A study conducted for the New Jersey 
Business and Industry Association found that after the State's paid 
leave program was implemented, the majority of businesses experienced 
no negative impact on profitability or performance, and that 
``[r]egardless of business size, based on survey results, New Jersey 
businesses have had little trouble adjusting to requirements of the 
Paid Family Leave law.''\86\ A study of New York State firms with fewer 
than 100 employees found the majority were supportive of the paid 
family leave program, and that it led to an increase in employers' ease 
of handling long employee absences.\87\
---------------------------------------------------------------------------
    \85\ Panorama and American Sustainable Business Council. (2019, 
October). The Business Impacts of Paid Leave: A financial analysis of 
the return on investment of paid family and medical leave. Retrieved 20 
October 2023, from https://assets-global.websitefiles.com/
62448c65f2a3dc
7ae94193bd/62448c65f2a3dc0f7a4195a2_Business-impacts-of-paid-leave-A-
Panorama-report.pdf.
    \86\ Ramirez, M. (2012). New Jersey Business and Industry 
Association: The Impact of Paid Family Leave on New Jersey Businesses. 
Retrieved 20 October 2023, from https://bloustein.
rutgers.edu/wp-content/uploads/2012/03/Ramirez.pdf.
    \87\ Bartel, A., Rossin-Slater, M., Ruhm, C.J., Slopen, M., and 
Waldfogel, J. (2021, April). The Impact of Paid Family Leave on 
Employers: Evidence from New York. NBER Working Paper 28672. Retrieved 
17 October 2023, from https://www.nber.org/papers/w28672.
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            Paid Leave Strengthens the Economy and Women's Labor Force 
                    Participation
    Paid leave is hugely important to the Nation's economy. A lack of 
paid leave can have devastating impacts, but when access to paid leave 
increases, our economy sees significant benefits. After a steep decline 
in women's labor force participation in the early days of COVID--
largely due to increased caregiving responsibilities with few initial 
supports--prime-age women's labor force participation has recovered 
significantly, with nearly 78 percent of U.S. women ages 25-54 in the 
labor market.\88\ This recovery has been driven in large part by 
policies to support caregiving such as paid leave, investments in child 
care and home- and community-based services, and flexible work 
arrangements (such as hybrid work), the prevalence of which increased 
during the pandemic as States, companies and the Nation adopted more 
supportive workplace policies.\89\ These trends make clear that paid 
leave and other caregiving supports are essential for the Nation's 
resiliency and these important investments must continue.
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    \88\ The labor force participation rate for U.S. women ages 25-54 
declined from 77.0 percent in February 2020 to 73.5 percent in April of 
the same year. It hit an all-time U.S. high of 77.8 percent in June 
2023, still several points behind comparable rates in peer countries 
like Canada, Germany, and the United Kingdom. U.S. Bureau of Labor 
Statistics. (n.d.). Labor Force Statistics from the Current Population 
Survey (Series ID: LNS11300062 Civilian labor force participation rate, 
seasonally adjusted). Retrieved 20 October 2023, from https://
data.bls.gov/PDQWeb/ln; see note 29; Pearce, M. (2023, October). Surge 
in female labor force participation a key upside risk. Retrieved 20 
October 2023, from Oxford Economics website: https://www.oxford
economics.com/wp-content/uploads/2023/10/US-Surge-in-female-labor-
force-participation-a-key-upside-risk.pdf.
    \89\ See Pearce note 88.

    The labor force participation recovery that was created in large 
part by these policies followed years of stagnant rates and policy 
inaction that left the United States falling farther and farther behind 
comparable economies.\90\ Even now, those recent gains still leave 
women in the United States behind global peers in terms of labor force 
participation. Now, however, we could be poised to close the gap. In 
fact, if current trends in women's labor force participation continue, 
economists estimate that prime-age women's labor force participation 
may finally catch up to that in comparable advanced economies within 5 
years, adding an estimated 3.3 million women to the U.S. workforce by 
the end of the decade.\91\ Increasing the number of women in the labor 
force would ensure there are more workers to fill jobs essential to our 
economy like health care, infrastructure, and more. It would also boost 
the Nation's GDP. Economists estimate that adding 3.3 million women to 
the workforce will result in a nearly one percent increase in GDP over 
5 years.\92\ But this is dependent on women's continued access to 
supportive policies like paid leave.
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    \90\ OECD Stats. (n.d.) LFS by sex and age--indicators: Retrieved 
October 20, 2023, from: https://stats.oecd.org/
Index.aspx?DataSetCode=lfs_sexage_i_r. Differences in State policies in 
the U.S. also produced variation in mothers' labor force participation, 
with stronger State paid leave and child care policies associated with 
smaller employment gaps for mothers. See Duran-Franch, J., and Regmi, 
I. (2022, August). Family-Friendly Policies and the Motherhood 
Employment Gap during the COVID-19 Recovery. Retrieved 20 October 2023, 
from Roosevelt Institute website: https://rooseveltinstitute.org/wp-
content/uploads/2022/08/RI_FamilyFriendlyPolicies_
IssueBrief_202208.pdf.
    \91\ See Pearce note 88. Comparison is to the average rate in other 
G7 nations.
    \92\ Ibid.

[GRAPHIC NOT AVAILABLE IN TIFF FORMAT]    

    This opportunity for women's increased workforce participation 
comes at a critical time in our economy's history. Inflation is 
substantially higher now than just a few years ago,\93\ making it 
harder for women and families to put food on the table, pay rent or 
afford the goods and services that are the backbones of local 
economies.\94\ And while inflation has come down from its peak,\95\ the 
Federal Reserve continues to signal the potential for additional 
interest rate increases,\96\ despite the fact that inflation has not 
been primarily driven by wages.\97\ Researchers estimate that 
increasing women's labor force participation will improve our chances 
of a ``soft landing,'' which would combine increased GDP with reduced 
inflation.\98\ This, in turn, would likely lead to lower interest 
rates, reducing borrowing costs, supporting the housing market and 
stimulating the economy writ large.\99\
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    \93\ Smialek, J. (2023, October 12). Inflation Slowdown Remains 
Bumpy, September Consumer Price Data Shows. The New York Times. 
Retrieved 20 October 2023, from https://www.
nytimes.com/2023/10/12/business/inflation-cpi-report-september.html.
    \94\ Kearl, M. (2023, August 21). Top Effects of Inflation on 
Consumer Behavior: 2023 Inflation Trends. Medallia Blog. Retrieved 20 
October 2023, from https://www.medallia.com/blog/inflation-effects-
consumer-behavior-data-trends/.
    \95\ See note 93.
    \96\ Cox, J. (2023, October 11). Fed officials see ``restrictive'' 
policy staying in place until inflation eases, minutes show. CNBC. 
Retrieved 20 October 2023, from https://www.cnbc.com/2023/10/11/fed-
minutes-october-2023-.html.
    \97\ Shapiro, A.H. (2023, May). How Much Do Labor Costs Drive 
Inflation? Retrieved 20 October 2023, from Federal Reserve Bank of San 
Francisco website: https://www.frbsf.org/economic-research/
publications/economic-letter/2023/may/how-much-do-labor-costs-drive-
inflation/; Weber, I.M., and Wasner, E. (2023). Sellers' inflation, 
profits and conflict: Why can large firms hike prices in an emergency?. 
Review of Keynesian Economics, 11(2), 183-213 doi:10.4337/
roke.2023.02.05.
    \98\ See Pearce note 88; see also Gallagher Robbins, K. (2022, June 
30). Investing in Caregiving: An Equitable Way to Reduce Inflation. 
U.S. News & World Report. Retrieved 20 October 2023, from https://
www.usnews.com/news/health-news/articles/2022-06-30/investing-in-
caregiving-an-equitable-way-to-reduce-inflation.
    \99\ Kliesen, K. (2010, October). Low Interest Rates Have Benefits 
. . . and Costs. Retrieved 20 October 2023, from Federal Reserve Bank 
of St. Louis website: https://www.stlouisfed.org/publications/regional-
economist/october-2010/low-interest-rates-have-benefits--and-costs.

    Economists fear that these positive trends may not last without 
action.\100\ Yet despite the overwhelming evidence in favor of paid 
leave, access to this critical economic support remains uncertain for 
tens of millions of workers across the country, and for the businesses 
needing to attract and retain them. While States have continued to 
advance paid leave policies, including two new States in 2023 
alone,\101\ large swathes of the country continue to be left out 
without Federal action, and American Rescue Plan funding for child care 
has expired, creating a cliff that will leave many families without 
affordable access to child care.\102\ With women's partial, precarious 
economic gains in jeopardy, now is the time for Congress to act. That's 
why it's so encouraging to see the members of this committee 
prioritizing the issue of paid leave through today's hearing.
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    \100\ See Pearce note 88.
    \101\ National Partnership for Women and Families. (September 
2023). State Paid Family & Medical Leave Insurance Laws. Retrieved 20 
October 2023, from https://nationalpartnership.org/wp-content/uploads/
2023/02/state-paid-family-leave-laws.pdf.
    \102\ Quinlan, C. (2023, September 30). Women workers could bear 
economic brunt as Federal child care funding ends. Kansas Reflector. 
Retrieved 20 October 2023, from https://kansasreflector.com/2023/09/30/
women-workers-could-bear-economic-brunt-as-federal-child-care-funding-
ends/; Kashen, J., Valle Gutierrez, L., Woods, L., and Milli, J. (2023, 
June). Child Care Cliff: 3.2 Million Children Likely to Lose Spots with 
End of Federal Funds. Retrieved 20 October 2023, from The Century 
Foundation website: https://tcf.org/content/report/child-care-cliff/.
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          ii. paid leave must be universal and comprehensive 
                         to meet workers' needs
    Creating strong supports to ensure that all workers can navigate 
their work and family responsibilities without jeopardizing their jobs 
or their economic security is essential. The FMLA was a groundbreaking 
first step, establishing as a baseline principle protections allowing 
workers to take time off for caregiving or self-care. But the 
limitations of the law have always meant that additional action would 
be needed to close gaps and help as many workers as possible. Although 
the FMLA has benefited millions of workers, many workers are not able 
to make use of the FMLA's protections because of the law's eligibility 
criteria, and due to the fact that many workers cannot afford to take 
unpaid leave. Only 56 percent of the overall workforce, including part-
time workers, is eligible for the FMLA,\103\ only 39 percent is both 
eligible for the FMLA and can afford to take 6 weeks of unpaid 
leave,\104\ and only 35 percent can afford to take 12 weeks unpaid 
leave without financial distress.\105\
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    \103\ Figure includes both the public and private sector workforce. 
See note 1.
    \104\ Affordability is defined as being able to take unpaid leave 
for the 6 weeks without income falling below 200 percent of the Federal 
poverty line. Joshi, P., Walters, A.N., Wong, E., Shafer, L., and 
Acevedo-Garcia, D. (2023, March). Inequitable Access to FMLA Continues. 
Retrieved 18 October 2023, from Diversity Data Kids website: https://
www.diversitydatakids.org/research-library/data-visualization/
inequitable-access-fmla-continues.
    \105\ Affordability is defined as being able to take unpaid leave 
for 12 weeks without income falling below 200 percent of the Federal 
poverty line. diversitydatakids.org. 2023. Working adults' eligibility 
and affordability for FMLA unpaid leave (percent) by race/ethnicity. 
Calculated from Current Population Survey Public Use Microdata Files 
(IPUMS-CPS)). Retrieved 19 October 2023, from https://
data.diversitydatakids.org/dataset/working-adults-eligibility-and-
affordability-for-fmla-unpaid-leave-percent-by-race-
ethnicity?_external=True.

    Paid leave policy experts understand that an equitable paid leave 
program must be universal: covering all workers, including part-time, 
hourly and temporary workers; and covering all employers, with 
mandatory coverage and inclusive of small businesses. It also must be 
comprehensive, covering the wide range of medical and caregiving needs 
of families, including but not limited to parental leave, leave for 
one's own serious health condition, and the serious health condition of 
a loved one, including chosen family members. The benefits themselves 
must be meaningful, in a duration and amount sufficient for low-wage 
workers to meet their needs; they must be secure, by protecting workers 
from being penalized or losing job opportunities for taking leave; and 
---------------------------------------------------------------------------
they must be funded sustainably.

    The public support and demand for paid leave has helped to fuel a 
national conversation about paid leave that has continued to grow in 
profile, especially during and in the ongoing aftermath of the COVID-19 
pandemic. This increased attention has led to many different ideas 
about how best to design a paid family and medical leave program that 
meets the needs of workers and families. Importantly, there is more and 
more research about what works and what does not--learning from a 
growing number of State-based programs, along with data from other 
private sector and international efforts. While the increased interest 
in paid leave is an important step forward, it is crucial to build 
programs that actually solve--and don't ignore or exacerbate--the 
problems that workers are navigating. Accordingly, we believe proposals 
that, for example, do not cover all workers, do not allow workers to 
take different types of caregiving leave, or do not give workers an 
actual right to take leave are not the right approach. There are 
essential elements that must be foundational features of an effective 
paid family and medical leave programs that meet the current needs of 
workers.
A. Paid Leave Must Be Universal and Guaranteed
    The evidence from 30 years of the Family and Medical Leave Act and 
20 years of State paid leave programs makes it clear that a 
comprehensive program has to cover the vast majority of the workforce 
and be guaranteed. The most effective State strategies have sought to 
cover as many workers as possible with less cumbersome eligibility 
criteria--and to ensure that they have the right to an adequate amount 
of leave for family and self-care reasons.

    A lack of universal paid leave to cover all workers and all 
employers has resulted in heavily lopsided access along existing lines 
of social and economic inequality. For example, 65 percent of the 
highest paid workers--those in the top 10 percent of wage earners--
receive disability insurance through their employers, making them over 
six times more likely to have this benefit than the lowest paid workers 
(10 percent).\106\ Workers in managerial and professional jobs are more 
than twice as likely (52 percent) to have access to these benefits than 
service workers (23 percent).\107\ Forty-seven percent of full-time 
workers have access compared to 21 percent of part-time workers.\108\ 
Although the data does not break out access by gender or race and 
ethnicity, occupational segregation means that women of color and 
disabled women are disproportionately more likely to work in low-paid 
service jobs,\109\ and women and people of color are more likely to be 
working part-time involuntarily.\110\ These disparities are therefore 
also likely to be present along lines of race and gender.
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    \106\ See Mason note 45.
    \107\ Ibid.
    \108\ U.S. Bureau of Labor Statistics. (2023, September). National 
Compensation Survey: Employee Benefits in the United States, March 2023 
(Excel tables, Short-term disability, Civilian workers). Retrieved 18 
October 2023, from https://www.bls.gov/ebs/publications/employee-
benefits-in-the-united-states-march-2023.htm.
    \109\ See Mason and Gallagher Robbins note 10.
    \110\ Golden, L. (2020, February). Part-time workers pay a big-time 
penalty. Retrieved 18 October 2023, from Economic Policy Institute 
website: https://www.epi.org/publication/part-time-pay-penalty/.

    The disparities in access also apply to industries and small 
businesses that are crucial to a healthy national economy. In 
construction--one of the industries with a high demand for workers in 
light of the massive infrastructure investments being overseen by the 
Biden administration--only 31 percent of workers have access to short-
term disability insurance through their employers.\111\ Large 
businesses are nearly twice as likely to offer disability insurance as 
small businesses,\112\ reflecting the disparity in resources that makes 
it hard for small businesses to compete with large ones for the best 
employees. An approach to paid leave that is not working for the small 
businesses that are the foundation of our economy, or the growing 
industries that are critical to our future, is an approach that does 
not work for America.
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    \111\ U.S. Bureau of Labor Statistics. (2023, September). National 
Compensation Survey: Employee Benefits in the United States, March 2023 
(Short-term disability, Civilian workers). Retrieved 18 October 2023, 
from https://beta.bls.gov/dataViewer/view/timeseries/NBU1160000
4547000028248.
    \112\ See Mason note 45.

    A handful of States have recently enacted laws that do not 
guarantee paid family and medical leave, but instead permit private 
insurers to offer family leave insurance plans that employers (and in 
some cases, employees) can opt to purchase for their employees. It is 
too early for us to have evidence of whether such plans are effective--
and given the relative lack of mandatory transparency and reporting 
requirements for these programs, it is possible that we will never have 
the same level of detailed, public information about how these plans 
are playing out that we have for the public programs. The limited 
information that has been made available about the implementation of 
New Hampshire's voluntary insurance law shows that about two percent of 
the State's workforce is covered by its voluntary plan.\113\ 
Unfortunately, the data show that the private short-term disability 
market--a similar, opt-in approach--has failed to result in widespread 
access to leave: in 2023, only 41 percent of America's workers had 
access to short-term disability insurance through their employers, and 
this access rate has barely budged in the last 15 years.\114\ 
Furthermore, laws to permit the sale of opt-in paid family leave 
insurance products typically provide no guarantee that premiums will be 
affordable or even transparent for small employers, or that premiums 
will be uniform across employers regardless of size or employee 
demographics.\115\
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    \113\ Based on reporting that employers with 6,100 employees have 
opted in to coverage and 9,000 State employees are covered, and U.S. 
Bureau of Labor Statistics data finding 749,500 people were employed in 
New Hampshire, as of April 2023. Green, R. (2023, April 19). ``New NH 
paid family and medical leave program signs up 149 employers.'' NHPR. 
Retrieved 17 October 2023, from https://www.nhpr.org/nh-news/2023-04-
19/paid-family-medical-leave-new-hampshire-signs-up-149-employers; U.S. 
Bureau of Labor Statistics. (2023, October 13). Economy at a Glance: 
New Hampshire. Retrieved 17 October, 2023 from: https://www.bls.gov/
eag/eag.nh.htm.
    \114\ See Mason note 45.
    \115\ New Hampshire permits its insurance carrier to experience-
rate premiums for employers and individuals opting into the State 
coverage, for example. RSA 21-I:103, III (2021). Laws recently enacted 
in Virginia, Arkansas, Florida, Tennessee, and Texas do not include 
provisions setting or limiting premium rates beyond the broad, non-
specific limitations placed on all other insurance products. Va. Code 
Ann. Sec. Sec. 38.2-107.2, 38.2-135, 38.2-316, 38.2-1800 (2022); Ark. 
Code Ann. Sec. 23-62-112 (2023); Fla. Stat. 624.6086, 627.445 (2023); 
Tenn. Code Ann. Sec. 56-36 (2023); Tex. Ins. Code Sec. 8.1255.

    The transformational potential of paid family and medical leave 
will only be fully realized if it is attainable for the people who have 
the most to gain and the businesses that drive our economy. Universal, 
mandatory programs have proven that they can achieve this goal.
B. Benefits Must Be of Sufficient Duration and Size and They Must Be 
        Secure
    Paid leave benefits must last long enough to address common medical 
and caregiving needs of workers. For example, for new parents, public 
health experts recommend at least 12 weeks of leave in order to 
establish and support breastfeeding, reduce risk of postpartum 
depression, and support strong bonds between children and their parents 
and caregivers.\116\ Needs vary for other conditions requiring parental 
or family care, but serious or chronic health conditions may require 
several weeks of leave.\117\ For example, a typical hospital stay for a 
child with pediatric cancer is about 12 days, and a child may have 
three to six stays per year.\118\ The FMLA established a Federal 
standard of up to 12 weeks of family and medical leave and evidence 
from States demonstrates this is a minimum for meeting workers' needs.
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    \116\ WORLD Policy Analysis Center, UCLA Fielding School of Public 
Health. (2018, February). A Review of the Evidence on the Length of 
Paid Family and Medical Leave. Retrieved 20 October 2023, from https://
www.worldpolicycenter.org/sites/default/files/WORLD%20Brief%20-%20
Length%20Paid%20Family%20and%20Medical%20Leave.pdf.
    \117\ Among parents of children with chronic health conditions, 
about two-thirds reported that their longest leave ranged from 1-4 
weeks, and about 80 percent reported needing 12 weeks or less. RAND 
Health. (2010). Perceived Effects of Paid Family Leave Among Parents of 
Children with Special Health Care Needs. Retrieved 20 January 2020, 
from https://www.rand.org/pubs/research_briefs/RB9445/index1.html; 
congenital heart disease typically requires up to 1 week of 
hospitalization for surgery, plus 3 to 8 weeks of recovery time. 
National Institutes of Health, U.S. National Library of Medicine. 
(n.d.) Pediatric heart surgery--discharge. MedLine Plus Publication. 
Retrieved 20 January 2020, from https://medlineplus.gov/ency/patient
instructions/000015.htm; for hospice patients, stays can range from 
less than 1 week to more than 6 months, but the average length of stay 
is 97 days. National Hospice and Palliative Care Organization. (2022, 
December). NHPCO Facts and Figures: 2022 Edition. Retrieved 20 October 
2023, from https://www.nhpco.org/wp-content/uploads/NHPCO-Facts-
Figures-2022.pdf.
    \118\ See note 116.

    It is also critical that the program pay an amount of benefits that 
allows workers at all wage and income levels to not jeopardize their 
ability to afford basic expenses while on leave. Without ensuring a 
program provides benefits that are as close as possible to full wages 
for the lowest paid workers, workers living paycheck to paycheck are 
unable to take the leave they need. Adequate wage replacement is also 
vital for gender equity: when paid leave replaces closer to full usual 
wages, men are more likely to take their share of parental leave,\119\ 
which in turn helps equalize involvement in caregiving.
---------------------------------------------------------------------------
    \119\ Lenhart, A., Swenson, H., and Schulte, B. (2019, December 4). 
Lifting the Barriers to Paid Family and Medical Leave for Men in the 
United States. Retrieved 20 October 2023, from New America website: 
https://www.newamerica.org/better-life-lab/reports/lifting-barriers-
paid-family-and-medical-leave-men-united-states/; Dow, W.H., Goodman, 
J.M., and Stewart, H. (2017, November). San Francisco's Paid Parental 
Leave Ordinance: The First Six Months. Population Sciences at 
University of California Berkeley Publication. Retrieved 20 October 
2023, from: https://www.populationsciences.berkeley.edu/sites/default/
files/SF%20Paid%20Parental%20
Leave%20-%20UC%20Berkeley%20issue%20brief%201.pdf.

    Paid leave is also not accessible to workers if they are not 
protected from retaliation or other penalties for using the leave. This 
is particularly critical for workers of color, who are more likely to 
report concerns about retaliation or job loss for taking leave.\120\ A 
meaningful paid leave policy for workers should include protections 
from retaliation so that all workers can feel they can take the leave 
they need without fear of discrimination or retaliation.
---------------------------------------------------------------------------
    \120\ Schneider, D., and Harknett, K. (2021). Paid Family & Medical 
Leave in the U.S. Service Sector (Table 3). Harvard Shift Project 
Publication. Retrieved 20 October 2023, from https://
shift.hks.harvard.edu/wp-content/uploads/2021/06/
PMFL_Brief_6.09.21.pdf.
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C. Paid Leave Must Be Comprehensive to Meet the Full Range of Workers' 
        and Families' Needs
    We believe it is essential to cover the full range of needs for 
workers and not pick and choose which kinds of families deserve 
support. A comprehensive paid leave program ensures that certain groups 
of workers are not marginalized and avoids preferring certain types of 
caregiving over others. Thus, it's critical that any national paid 
leave program supports all types of leave, including medical, 
caregiving, and parental.

    Covering medical and caregiving leave in paid leave programs--the 
vast majority of leave taken under FMLA \121\--ensures workers have the 
supports they need to thrive during difficult times. Paid medical and 
caregiving leave has been shown to contribute to financial health. Data 
from the Financial Health Pulse survey shows that workers who have 
access to paid leave for medical or caregiving purposes are 14 
percentage points more likely than those without access to report 
having low (or no) financial stress.\122\ For workers who experienced a 
serious illness or injury in their household in the past year, those 
with access to paid leave were 26 percentage points less likely than 
those without to report financial hardships, such as trouble paying for 
housing, food, or health care.\123\
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    \121\ Brown, S., Herr, J., Roy, R., and Klerman, J.A. (2020, July). 
Employee Leave-Taking Patterns. Retrieved 18 October 2023, from U.S. 
Department of Labor website: https://www.dol.gov/sites/dolgov/files/
OASP/evaluation/pdf/WHD_FMLA2018PB2LeaveTaking_StudyBrief_Aug
2020.pdf.
    \122\ Garon, T., McKay, J., and Mason, J. (2021). Unpaid and 
Unprotected: How the Lack of Paid Leave for Medical and Caregiving 
Purposes Impacts Financial Health. Retrieved 18 October 2023, from 
National Partnership for Women and Families website: https://national
partnership.org/wp-content/uploads/2023/02/unpaid-and-unprotected-how-
lack-paid-leave-impacts-financial-health.pdf.
    \123\ Ibid.

    Including medical and caregiving leave also ensures paid leave 
programs address the full range of workers' needs. More than half of 
leaves taken under FMLA are taken for an employee's own serious health 
condition and 20 percent are taken for caregiving for an immediate 
family member's illness, while leave to care for a new child makes up 
only a quarter of leaves.\124\ Parental-only policies would therefore 
fail to meet the vast majority of the demand for leave. Family 
caregiving leave and personal medical leave are particularly important 
to disabled people and their families, low-wage workers, older adults, 
veterans, military families and other workers with personal and family 
caregiving responsibilities.\125\
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    \124\ See note 121.
    \125\ Between 12 and 23 percent of military caregivers are not 
related to the veteran or servicemember they are caring for. Ramchand, 
R., Tanielian, T., Fisher, M.P., Vaughan, C.A. et al. (2014). Hidden 
Heroes: America's Military Caregivers (p. 33). Retrieved 10 October 
2023 from RAND Corporation website: https://www.rand.org/pubs/
research_reports/RR499.html.

    A paid leave program without family caregiving is particularly 
harmful for women, who still carry out the bulk of family caregiving 
responsibilities,\126\ but are less likely than men to report having 
access to paid leave for caregiving or medical purposes.\127\ And a 
program without paid medical or family caregiving leave also excludes 
many disabled workers, particularly disabled women of color workers, 
who are more likely to work in low-wage jobs \128\ that are the least 
likely to provide paid leave.\129\ A paid leave program designed only 
to value and accommodate the care needs of new parents--or that 
otherwise restricts eligibility to a narrow definition of caregiving--
doesn't address the needs of those currently least likely to have 
access.
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    \126\ Sharma, N., Chakrabarti, S., and Grover, S. (2016, March 22). 
Gender differences in caregiving among family-caregivers of people with 
mental illnesses. World Journal of Psychiatry, 6(1), 7-17. doi: 
10.5498/wjp.v6.i1.7; see Gallagher Robbins and Mason note 13.
    \127\ See note 122.
    \128\ U.S. Bureau of Labor Statistics. (2023, February 23). Persons 
with a Disability: Labor Force Characteristics--2022 (Press release). 
Retrieved 18 October 2023, from https://www.bls.gov/news.release/pdf/
disabl.pdf; see also Ditkowsky, M. (2023, February 23). New Data on 
Disability Employment: Small Gains But Institutional Barriers Remain. 
Retrieved 18 October 2023, from https://nationalpartnership.org/new-
data-on-disability-employment-small-gains-but-institutional-barriers-
remain/.
    \129\ See Mason and Gallagher Robbins note 10.

    Additionally, comprehensive paid leave must inclusively define 
family to reflect the needs and diversity of America's families, 
including extended family members, like siblings and grandchildren, as 
well as chosen family, defined as ``loved ones people consider family 
but to whom they may not have a legal or biological 
relationship.''\130\ Research shows that nearly one-third of people in 
the United States have taken leave to support the caregiving of a 
chosen family member,\131\ This type of leave is particularly important 
for LGBTQIA+ and disabled workers.\132\ Nearly every State paid leave 
program goes beyond the FMLA's limited definition of family, and 
several have successfully included chosen family as well.\133\ It's 
imperative that a national program incorporate a modern and inclusive 
definition of family too.
---------------------------------------------------------------------------
    \130\ Medina, C., and Weston Williamson, M. (2013, March). Paid 
Leave Policies Must Include Chosen Family. Retrieved 19 October 2023, 
from Center for American Progress website: https://
www.americanprogress.org/article/paid-leave-policies-must-include-
chosen-family/.
    \131\ See note 47.
    \132\ Ibid.
    \133\ See note 130.
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            iii. state programs guaranteeing comprehensive 
                    paid leave are a proven success
    Policymakers across States have spent nearly 20 years developing 
and innovating State programs to guarantee comprehensive, universal 
paid family and medical leave--with clear positive results for workers 
and businesses. Public programs to provide paid family and medical 
leave are the only proven solutions to expand paid leave access to 
workers across geography, job type, race, disability status, gender and 
income. They are also the only policy solution on the table that has a 
large and growing body of research documenting their benefits to public 
health, to workers' economic well-being, and to employers.\134\
---------------------------------------------------------------------------
    \134\ National Partnership for Women and Families. (2022, 
February). Paid Leave Works: Evidence from State Programs. Retrieved 16 
October 2023, from https://nationalpartnership.org/wp-content/uploads/
2023/02/paid-leave-works-evidence-from-state-programs.pdf.

    Research shows that paid leave insurance offered through the 
private market creates large gaps in access, especially for lower wage 
workers. In public State programs, however, the majority of workers 
gain coverage and those large gaps in people's ability to use leave 
based on income and other factors narrow considerably. Our analysis of 
labor force data and program rules finds that on average, close to 90 
percent of workers in a State are eligible for leave under State 
programs.\135\ That compares to only 41 percent nationally for 
employer-provided short-term disability insurance--available on the 
private market for decades--and 27 percent for employer-provided paid 
family leave.\136\
---------------------------------------------------------------------------
    \135\ In Rhode Island, 78 percent of workers are eligible; in New 
Jersey, 88 percent; in Washington, 94 percent; and in Maryland (once 
implemented), 94 percent. Unpublished calculations by the National 
Partnership for Women and Families based on the number of people in 
each State's labor force and the number of workers expected to meet 
minimum eligibility thresholds in each State based on program rules. 
U.S. Census Bureau American Community Survey 1-Year Data for 2021, via 
IPUMS USA, University of Minnesota, www.ipums.org.
    \136\ National Partnership analysis of data from the U.S. Bureau of 
Labor Statistics National Compensation Survey. See Mason note 45.

    Near-universal coverage and equitably designed benefits help ensure 
gender and racial equity in access and utilization. For example, we 
know that women and workers of color are generally less likely to have 
access to paid leave through their jobs. But in Washington State, the 
first to collect and report data disaggregated by race/ethnicity, women 
and workers of color make up about the same shares of workers eligible 
for the State's paid leave program as they do in the workforce at 
large.\137\ And women and Black and Latino workers are actually 
slightly overrepresented among approved paid leave claims--exactly what 
we would hope to see in light of the disproportionate caregiving burden 
and health inequities those groups experience.\138\
---------------------------------------------------------------------------
    \137\ Washington State Employment Security Department. (2023, 
September 15). Paid Family and Medical Leave Customer Data. Retrieved 
16 October 2023, from https://esd.wa.gov/labormarketinfo/paidleave/
customer-data.
    \138\ Ibid.


                                                   Washington
----------------------------------------------------------------------------------------------------------------
                                                                                                     Hispanic/
                                                                       Women       Black Workers      Latino
                                                                                                      Workers
----------------------------------------------------------------------------------------------------------------
Percentage of Workforce                                                      46%              4%             11%
----------------------------------------------------------------------------------------------------------------
Percentage of Workers Eligible for Paid Family and Medical Leave             46%              4%             12%
----------------------------------------------------------------------------------------------------------------
Percentage of Approved Paid Family and Medical Leave Claims                  57%              7%             17%
----------------------------------------------------------------------------------------------------------------
 Source: Washington Employment Security Department.
----------------------------------------------------------------------------------------------------------------


    In New Jersey, where data on race/ethnicity has recently become 
available, we also see significant uptake by women and by Black and 
Latino workers.\139\
---------------------------------------------------------------------------
    \139\ New Jersey Department of Labor and Workforce Development, 
Office of Research and Information. (2023, June). Family Leave 
Insurance and Temporary Disability Insurance Combined Annual Activity 
Report 2021. Retrieved 16 October 2023, from https://www.nj.gov/labor/
myleavebenefits/assets/pdfs/
Annual%20FLI%20TDI%20Report%20for%202021.pdf. U.S. Census Bureau. 
(2023, September). American Community Survey 1-Year Estimates (Table 
S2301). Retrieved 16 October 2023, from data.census.gov. (Unpublished 
calculations based on combined claims data in Table 4 and Table 9 of 
New Jersey FLI and TDI report, and population and employment rate data 
for New Jersey in American Community Survey.)


                                                   New Jersey
----------------------------------------------------------------------------------------------------------------
                                                                                                     Hispanic/
                                                                       Women       Black Workers      Latino
                                                                                                      Workers
----------------------------------------------------------------------------------------------------------------
Percentage of Workforce                                                    47.1%           12.1%           21.5%
----------------------------------------------------------------------------------------------------------------
Percentage of Approved Paid Family Leave and Temporary                     70.4%           14.3%           17.9%
 Disability Insurance Claims
----------------------------------------------------------------------------------------------------------------
 Source: National Partnership for Women and Families analysis of data from the New Jersey Department of Labor
 and Workforce Development and U.S. Census Bureau.
----------------------------------------------------------------------------------------------------------------

         iv. there is broad and substantial voter support for 
              comprehensive paid family and medical leave
    Voters believe that the government can and should play a role in 
supporting families balancing work and caregiving.\140\ Comprehensive, 
inclusive paid leave policies are popular with all types of voters. 
Eighty percent of voters want Congress to pass a comprehensive national 
paid family and medical leave program, including 90 percent of 
Democrats, 77 percent of Independents, and 69 percent of Republicans. 
Support is especially strong among women (83 percent),\141\ including 
suburban women (79 percent),\142\ and voters of color (86 percent among 
Black voters, 85 percent among Hispanic voters, 83 percent among AAPI 
voters).\143\
---------------------------------------------------------------------------
    \140\ Lake Research Partners Poll (2022, November). On file with 
the National Partnership for Women and Families.
    \141\ Navigator Research. (2023, June 2). Paid Family and Medical 
Leave: A Guide for Advocates. Retrieved 19 October 2023, from https://
navigatorresearch.org/wp-content/uploads/2023/05/Navigator-Update-
06.02.2023.pdf.
    \142\ National Partnership for Women and Families. (2020, 
November). Voters Show Bipartisan Support for Permanent Paid Sick Days 
and Paid Family Leave. Retrieved 19 October, 2023, from https://
nationalpartnership.org/wp-content/uploads/2023/02/voters-show-
bipartisan-support-for-permanent-paid-sick-days-and-paid-family-and-
medical-leave.pdf.
    \143\ See note 141.

    Support is also strong for all types of paid leave: 89 percent of 
voters support a Federal paid leave program that allows workers to take 
time to recover from their own serious illness or health condition, 87 
percent support leave for workers to care for a seriously ill or 
disabled family member, and 83 percent support leave to care for a new 
child.\144\ While all types of voters support different types of leave, 
Republican and independent voters are especially supportive of 
providing personal medical leave, underscoring the importance of not 
only passing paid leave for new parents.\145\
---------------------------------------------------------------------------
    \144\ Jacobs, S. (2023, February 3). Voters Across Party Lines 
Overwhelmingly Support a Federal Paid Leave Program. Data for Progress 
Blog. Retrieved 19 October 2023, from: https://www.dataforprogress.org/
blog/2023/2/3/voters-across-party-lines-overwhelmingly-support-a-
federal-paid-leave-program.
    \145\ In a poll of likely voters in seven battleground States, 
including Nevada, North Carolina, Pennsylvania, and Wisconsin, 
overwhelming majorities of voters supported all purposes of leave 
regardless of party affiliation. Ninety-four percent of likely voters 
in these States supported paid leave for a personal serious illness, 
breaking down to 97 percent of Democrats, 92 percent of independents, 
92 percent of Republicans, and 94 percent of undecided voters--and for 
all affiliations, a majority of voters rated their level of support as 
``strong.'' With respect to leave to care for a seriously ill family 
member, 91 percent supported overall, with 97 percent of Democrats, 87 
percent of independents, 86 percent of Republicans, and 91 percent of 
undecided voters. For leave to care for a new child, support was at 88 
percent overall, 94 percent of Democrats, 90 percent of independents, 
81 percent of Republicans, and 95 percent of undecided. Global Strategy 
Group and Paid Leave for All Action. (2021, May). New Survey Shows 
Voters in Senate Battleground Stats Want Paid Leave Urgently, as Part 
of Infrastructure Package. Retrieved 19 October 2023, from https://
globalstrategygroup.com/wp-content/uploads/2020/05/PLFA-BG-Press-Memo-
F06.01.21.pdf.

    States have been moving on paid leave because voters want it. In 
Delaware, 85 percent of voters supported a paid family and medical 
leave program.\146\ Voters in swing States also support paid leave. 
Colorado enacted its paid leave program through a ballot initiative 
that won by a 15-point margin, including in Republican-leaning counties 
like Weld County, El Paso County, and Las Animas County.\147\
---------------------------------------------------------------------------
    \146\ Blue Delaware. (2022, March 8). Paid Leave is Enormously 
Popular among Everyone Everywhere. (Poll conducted by Change Research.) 
Retrieved 19 October 2023, from https://bluedelaware.com/2022/03/08/
paid-leave-is-enormously-popular-among-everyone-everywhere/.
    \147\ The New York Times. (2020, November 3). Colorado Proposition 
118 Election Results: Establish Paid Medical and Family Leave (Results 
by County). Retrieved 16 October 2023, from https://www.nytimes.com/
interactive/2020/11/03/us/elections/results-colorado-proposition-118-
establish-paid-medical-and-family-leave.html; The New York Times. 
(2020, November 3). Colorado Presidential Election Results (Results by 
County). Retrieved 19 October 2023, from https://www.nytimes.com/
interactive/2020/11/03/us/elections/results-colorado-president.html.

    Paid leave remains popular in States with paid leave programs, 
including among small businesses. A survey of small employers (100 or 
fewer employees) in New York and New Jersey found that support 
increased from 2019 to 2020, especially among firms that had employees 
use paid leave.\148\ In California, a 2023 survey found more than eight 
in 10 small business owners supported a number of proposals to expand 
the State's paid leave program.\149\
---------------------------------------------------------------------------
    \148\ Bartel, A.P, Rossin-Slater, M., Waldfogel, J., Slopen, M., 
and Ruhm, C.J. (2021, December). Support for Paid Family Leave among 
Small Employers Increases during the COVID-19 Pandemic. Socius: 
Sociological Research for a Dynamic World, 7. doi:10.1177/
23780231211061959.
    \149\ Small Business Majority. (2023, July 12.) Opinion Poll: 
California small business owners support expanding paid family leave 
protections, increasing paid sick days. Retrieved 19 October 2023, from 
https://smallbusinessmajority.org/our-research/workforce/ca-small-
business-owners-support-expanding-paid-family-leave-protections-
increasing-paid-sick-days.
---------------------------------------------------------------------------
                             v. conclusion
    As the Nation continues to recover from a devastating pandemic, we 
must learn from the past and make smart investments to support workers, 
businesses, and our economy. The conversation about paid family and 
medical leave and other caregiving investments does not occur in a 
vacuum--it is an integral part of a broader, important discussion about 
how we build an economy for the future that works for everyone. What 
the pandemic taught us is that there are essential gaps in our policy 
infrastructure that we must fill in order to ensure that all workers, 
especially women, can be full participants in the economy. Decades of 
history and experience have shown that women's progress in the labor 
market has not occurred without intentional, concrete action to combat 
barriers and expand opportunity. When these doors are opened, women are 
eager to walk through them--and they have done so successfully, in ways 
that have contributed enormously to our economy and our country.

    Access to leave for caregiving purposes has been a pivotal strategy 
to support women workers, to ensure that they--and all workers--are not 
treated unfairly at work when addressing their caregiving 
responsibilities.

    Comprehensive paid family and medical leave is no longer an issue 
that we can continue to put off--a lack of action has already cost us 
dearly. Each day, millions of Americans worry about how they will 
manage the seemingly impossible task of caring for themselves and for 
their loved ones without sacrificing their financial security. This 
sense of apprehension springs to their minds the moment they awake--and 
it keeps them up at night as they lay in bed.

    We can dramatically improve the lives of families in every segment 
of our Nation by enacting thoughtful, comprehensive, intentional 
interventions to meet the needs of all workers. There are innovative, 
inclusive, State models that are already working around the country--
and there is an opportunity for the members of this committee to 
exhibit bold leadership at the Federal level to address a problem that 
is long overdue for a solution.

    Thank you for the invitation to join this important discussion and 
for your consideration of these comments.

                                 ______
                                 
           Questions Submitted for the Record to Jocelyn Frye
              Questions Submitted by Hon. Maria Cantewell
    Question. Paid leave is critical to supporting women in the 
workforce. Throughout the country, more than 24 million working women 
are the primary caretakers for children and family members. For these 
women, the ability to take time off to care for a family member without 
losing income or their job is a big concern.

    The COVID-19 pandemic heightened these issues; over 1 million women 
left the workforce during the pandemic because they did not have access 
to affordable child care. In the first year of Washington's paid family 
leave program, about two-thirds of the claims were filed by women, and 
women continue to have the highest participation rates in the program. 
Recently, Maria from Marysville reached out to my office in support of 
paid family and medical leave policies. Maria is the caregiver for both 
her son and elderly mother, who have both had medical emergencies over 
the past few years. Access to paid leave would help her take them to 
doctors' appointments and do other caregiving tasks without risking her 
paycheck. We must do more to ensure that women, like Maria, are able to 
stay in the workforce.

    How would Federal paid leave requirements improve employment 
opportunities for women in the workforce, like Maria?

    Answer. Evidence from State paid leave programs makes it clear that 
comprehensive, inclusive paid leave helps workers--especially women--
stay connected to their jobs and the labor market amid health and 
caregiving challenges. Evidence from California demonstrates that 
access to paid leave increases the likelihood mothers are employed 1 
year after birth and that working mothers who take paid parental leave 
show increased work hours in the years following birth. In New Jersey, 
along with New York and California, women whose spouse had a major 
health shock were 7 percentage points less likely to leave their job 
for caregiving after paid leave was implemented. Paid leave is also 
linked to increased labor force attachment for family caregivers, a 
group that is anticipated to grow as our population ages.

    The benefits of paid leave are especially important for workers 
with lower wages who are less likely to have access to paid leave in 
the absence of a public program. Research in California found that 83 
percent of workers in lower quality jobs who used the State paid leave 
program reported returning to the same employer, 9 points higher than 
workers who did not use the program. This not only helps workers, it is 
a major benefit to employers in a tight labor market where replacing 
workers can be challenging. Federal paid leave would also support 
employment opportunities for women by leveling the playing field across 
businesses, which may not be as able to start a program as a large 
company with a dedicated Human Resources Department, but have benefited 
from State paid leave programs which have offered grants and 
administrative assistance.

    Question. The Census Bureau found that, nationwide, women in the 
workforce faced steeper job losses and slower job recovery than men due 
to the COVID-19 pandemic. What trends in women employment are you 
seeing as our economy recovers from the pandemic?

    Answer. The pandemic exacerbated policy gaps and failures that 
existed prior to COVID, making clear that most women were already 
navigating an economy and workplaces that were not built with their 
experiences in mind. Women, especially women of color, entered the 
pandemic with inadequate support for balancing work and caregiving 
responsibilities--and today that support is still lacking.

    For example, jobs in essential caregiving industries, such as child 
care and nursing and residential care facilities, have not returned to 
pre-pandemic levels,\1\ despite the fact that the economy overall has 
more than 4.5 million additional jobs since before COVID started. The 
failure to rebuild these caregiving industries creates a double bind 
for women, who are more likely to work in caregiving jobs,\2\ and whose 
labor force participation is improved when they have access to 
caregiving supports such as paid leave, child care and home- and 
community-based supports for disabled and elderly adults.
---------------------------------------------------------------------------
    \1\ As of October 2023 these two industries combined are more than 
200,000 jobs below their pre-COVID employment levels (author's 
calculation), https://www.bls.gov/ces/data/employment-situation-table-
download.htm.
    \2\ For example, women are more than 90 percent of child-care 
workers and more than 80 percent of personal care aides, https://
www.bls.gov/cps/cpsaat11.htm.

    What's more, even though labor force participation for prime-age 
women has recently hit an all-time high, the United States still lags 
behind many of our partner nations who provide significantly more 
caregiving support, harming individual families as well as the economy 
overall. Recent research from the Department of Labor reveals that if 
prime-age women in the United States participated in the labor force at 
the same rate as women in Germany and Canada, approximately 5 million 
additional women would be in the labor force, resulting in an 
---------------------------------------------------------------------------
additional $775 billion in economic activity annually.

    Moreover, Black women, Latinas, Native women, disabled women, and 
women with less education face particular barriers. Despite their high 
rates of labor force participation, Black women continue to face larger 
wage gaps and high rates of unemployment than their White counterparts, 
harming their own and their families' economic security. Latinas and 
Native women also face elevated rates of unemployment and large wage 
gaps,\3\ as do disabled women. And mothers of young children with lower 
levels of education have not experienced the same recovery as their 
college-educated counterparts.
---------------------------------------------------------------------------
    \3\ Native women's unemployment rates are consistently higher than 
White women's. Author's analysis of Bureau of Labor Statistics Current 
Population Survey data, annual averages, data for women 16 and older.

    As our Nation continues to recover, we must build an economy that 
values the labor of all women, especially women of color. We must 
transform our approach to the economy as a whole, tackling persistent 
barriers that have undermined women's employment and implementing 
---------------------------------------------------------------------------
policies designed to promote sustained economic security and equity.

Links

https://www.jstor.org/stable/43867293

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3701456/

https://equitablegrowth.org/access-to-paid-family-leave-improves-u-s-
            womens-labor-market-outcomes-following-a-spouses-health-
            shock/

https://www.sciencedirect.com/science/article/abs/pii/S2212828X2030030X

https://nationalpartnership.org/wp-content/uploads/frye-senate-
            testimony-exploring-paid-leave.pdf

https://www.cornellpress.cornell.edu/book/9780801478956/unfinished-
            business/

https://nationalpartnership.org/wp-content/uploads/2023/02/paid-leave-
            good-for-business.pdf

https://nationalpartnership.org/warning-signs-latest-job-report-chance-
            to-save-child-care-jobs-day-november-2023/

https://www.finance.senate.gov/imo/media/doc/
            10252023_frye_testimony.pdf

https://caseforchildcare.org/2020CaseForChildCare.pdf

https://nationalpartnership.org/wp-content/uploads/systems-
            transformation-guide-disability-economic-justice-jobs-
            employment.pdf

https://www.brookings.edu/articles/prime-age-women-labor-market-
            recovery/

https://nationalpartnership.org/report/improving-employment-outcomes-
            economic-security-for-black-women/

https://www.bls.gov/cps/data.htm

https://www.brookings.edu/articles/prime-age-women-labor-market-
            recovery/

                                 ______
                                 
   Prepared Statement of Rachel U. Greszler, Senior Research Fellow, 
     Grover M. Hermann Center for the Federal Budget, The Heritage 
                               Foundation
    My name is Rachel Greszler. I am a senior research fellow at The 
Heritage Foundation. The views I express in this testimony are my own 
and should not be construed as representing any official position of 
The Heritage Foundation.

    As a mother of six young children--and having multiple family 
members and friends battle cancer in recent years--I understand the 
need and desire for workers to take leave and the necessity for paid 
family leave to be flexible and accommodating. And having family and 
friends who own small businesses, I also understand how difficult it 
can be to manage paid family leave while continuing to serve customers 
and patients. The good news is that the strong labor market and 
realities of the COVID-19 pandemic contributed to a surge in workers' 
access to paid family leave over the past 6 or so years.

    Even as paid family leave has many benefits, it is not without cost 
or consequence for workers, employers, ordinary Americans, and the 
entire economy. Structuring leave programs in ways that minimize costs 
and maximize access and flexibility is crucial to ensuring that the 
maximum benefits reach the greatest number of workers with the least 
disruption to employers and the people they serve.

    In my testimony today, I would like to cover three topics that can 
help inform policymakers as they consider what the Federal Government 
can and should do regarding paid family leave. First is to examine the 
current landscape of paid family leave and family-friendly work 
arrangements across the U.S. Second is to contrast employer-provided 
paid family leave with government-provided paid family leave. And third 
is to consider policies that could help expand workers' access to paid 
family leave and other work flexibilities.

         the state of paid family leave and what families want
    Families are the foundation of society, and it is important that 
family members be able to care for one another. Paid family leave helps 
support families in their roles of caring for one another across 
generations, and it can benefit workers and employers alike.

    Support Is Widespread and Access Is Growing. Nearly all Americans 
support paid family leave, and predominantly in response to workers' 
desires for it, employers have responded in recent years with new and 
expanded paid family leave policies. Over the past 6 years alone, the 
percentage of workers with access to paid family leave has increased by 
80 percent, from 15 percent to 27 percent of workers.\1\ Much of this 
recent increase has accrued to lower- and middle-wage workers as large 
companies like Lowe's, Starbucks, Walmart, and Chipotle have added paid 
family leave benefits.
---------------------------------------------------------------------------
    \1\ Bureau of Labor Statistics, ``National Compensation Survey,'' 
percent of civilian workers with access to paid family leave, https://
data.bls.gov/pdq/SurveyOutputServlet (accessed October 18, 2023).

    While this measure from the Bureau of Labor Statistics only 
includes workers whose companies have formal, written paid family leave 
policies, many more workers--particularly those who work for small 
employers--can take paid family leave through informal policies. A 2018 
Department of Labor survey found that 73 percent of employees report 
having access to paid leave for their own illness or medical care 
(which includes maternity leave).\2\ Of workers who took leave, 66 
percent received pay (42 percent received full pay, 24 percent received 
partial pay) and 34 percent received no pay. These pay percentages are 
almost certainly higher in 2023 as paid family leave programs have 
expanded significantly since 2018.
---------------------------------------------------------------------------
    \2\ Scott Brown, Jane Herr, Radha Roy, and Jacob Alex Klerman, 
``Employee and Worksite Perspectives of the Family and Medical Leave 
Act: Executive Summary for Results from the 2018 Surveys,'' submitted 
to the Department of Labor by Abt Associates, July 2020, https://
www.dol.gov/sites/dolgov/files/OASP/evaluation/pdf/
WHD_FMLA2018SurveyResults_
ExecutiveSummary_Aug2020.pdf (accessed October 18, 2023).

    Moreover, while those surveys track employer-provided paid family 
leave benefits, 14 States have now enacted government-paid family leave 
programs. Although not all workers who live in States that have paid 
family leave laws are eligible to receive benefits, 28 percent of the 
workforce currently live in States that have active paid family leave 
programs and another 6.5 percent live in States that have passed 
legislation to implement paid family leave programs in the next few 
years.\3\
---------------------------------------------------------------------------
    \3\ Author's analysis of State-level labor force statistics from 
the Bureau of Labor Statistics. States that have active paid family 
leave programs include: California, Connecticut, the District of 
Columbia, Massachusetts, New Jersey, New York, Oregon, Rhode Island, 
and Washington. States that have enacted programs that are not yet 
active include: Colorado, Delaware, Maine, Maryland, and Minnesota.

    Who Takes Leave and Why? According to the most recent 2018 survey 
from the Department of Labor, 15 percent of workers (about one out of 
every seven) take family or medical leave each year, and the average 
leave lasts 5.5 weeks (28 business days).\4\
---------------------------------------------------------------------------
    \4\ Brown et al., ``Employee and Worksite Perspectives of the 
Family and Medical Leave Act: Executive Summary for Results from the 
2018 Surveys.''

    Contrary to common perception, the most frequent reason for taking 
leave is not for the birth or adoption of a child, but for workers' own 
health conditions. Of all family and medical leaves reported, one of 
every four (25 percent) was for the arrival of a new child; two of 
every four was for a worker's own serious health condition; and about 
one of every four was for a family member's health condition or other 
reason (such as a family member's military deployment).\5\
---------------------------------------------------------------------------
    \5\ Ibid.

    Unmet Need for Leave Is Modest. Despite only 56 percent of workers 
qualifying for job-protected leave under the Family and Medical Leave 
Act (FMLA), 82 percent of private-sector employees report having access 
to leave for at least one qualifying FMLA reason.\6\ Only 7 percent of 
all workers report having an unmet need for family or medical leave 
over the past year.\7\ Low-wage workers (earning less than $15 per 
hour) were more likely to report an unmet need for leave (9 percent) 
compared to other workers (6 percent). The most commonly cited reason 
for not taking leave was an inability to afford unpaid leave (66 
percent), followed by fear of losing a job (45 percent).
---------------------------------------------------------------------------
    \6\ Ibid.
    \7\ Ibid.

    While lower-wage workers are less likely to work in jobs that 
provide paid family leave, they are also more likely to be ineligible 
for leave even while working for an employer or living in a State that 
provides paid family leave because virtually all paid leave programs 
have tenure-based requirements to qualify for leave and lower-wage 
workers tend to have shorter job tenures. Moreover, even when eligible 
for leave, lower-wage workers are less likely to be able to take leave 
---------------------------------------------------------------------------
if they receive less than full-wage replacement.

    Paid Family Leave Is Only One Factor Affecting Working Families. 
While nearly all working parents say paid family leave is important to 
helping them balance work and family, it is far from their biggest 
priority. A 2018 Cato Institute poll asked current workers to select 
which of six options ``would be the best way to help you balance work 
and family.'' \8\ The results, in order of preference were: \9\
---------------------------------------------------------------------------
    \8\ Emily Ekins, ``Cato Institute 2018 Paid Leave Survey,'' The 
Cato Institute, released December 11, 2018, https://www.cato.org/sites/
cato.org/files/survey-reports/pdf/cato2018paidleave
survey-updated.pdf (accessed October 20, 2023).
    \9\ The Cato survey results also included 9 percent of respondents 
who chose ``Other'' with the option to specify something else that 
would best help them, and 2 percent of respondents either did not 
answer or responded ``Don't know.''

    (1) More flexible work schedules (34 percent);
    (2) Ability to work remotely (25 percent);
    (3) More affordable day care (11 percent);
    (4) Ability to work part-time hours (8 percent);
    (5) More paid parental leave (6 percent); and
    (6) Extended after-hours child care (4 percent).

    These results indicate that more than 10 times as many workers 
would prefer more workplace flexibility than more paid parental 
leave.\10\ That makes sense considering that workplace flexibility 
affects families' every day lives while paid family leave is an 
irregular need.
---------------------------------------------------------------------------
    \10\ Combining the three workplace-flexibility and work-hours-
flexibility responses (1, 2, and 4) covers 67 percent of workers' 
highest preferences, compared to 6 percent saying more paid parental 
leave would help most.

    A post-COVID-19 2021 survey by the Institute for Family Studies 
looked at the childcare preferences of parents with children ages 4 and 
under and found the majority of parents prioritize workplace 
flexibility that allows for family care. As a working mother of six 
young children, these preferences resonate with me. Without the 
flexibility that my employer voluntarily provides me, I would not work 
at all, and thus paid family leave would be irrelevant to me. But 
flexibility is not something that lawmakers can impose on employers, as 
certain occupations and organizations are conducive to flexibility 
while others are not. I also believe that flexibility works best when 
it is mutual on the part of both employers and workers. That is not 
---------------------------------------------------------------------------
possible with one-sided government mandates.

[GRAPHIC NOT AVAILABLE IN TIFF FORMAT]

    Yet, the very work arrangements that many parents prioritize 
are under threat by recent regulations from the Department of Labor 
that will soon be implemented (such as the independent contractor and 
overtime rules discussed in the final section) and also by bills that 
passed the House in recent Congresses--the Protecting the Right to 
Organize (PRO) Act \11\ and the Paycheck Fairness Act.\12\ These 
policies would hurt, instead of help, families by making it harder or 
impossible for many workers to have flexible schedules, to work 
remotely, or to work part time.
---------------------------------------------------------------------------
    \11\ H.R. 2474, Protecting the Right to Organize Act of 2019, 
https://www.congress.gov/bill/116th-congress/house-bill/2474 (accessed 
October 20, 2023).
    \12\ H.R. 7, Paycheck Fairness Act, https://www.congress.gov/bill/
116th-congress/house-bill/
7?q=%7B%22search%22%3A%5B%22Paycheck+Fairness+Act%22%5D%7D&s=1&r=1 
(accessed October 20, 2023).

    By upending independent work and impeding remote work and flexible 
hours, these policies would take away jobs and income opportunities, 
and restrict workplace flexibility, with some of the biggest burdens 
falling on women, individuals with medical conditions or disabilities, 
and single parents.\13\
---------------------------------------------------------------------------
    \13\ Rachel Greszler, ``6 Ways a Union-Backed Bill Will Upend the 
Job Market,'' The Daily Signal, February 5, 2020, https://
www.dailysignal.com/2020/02/05/6-ways-a-union-backed-bill-will-upend-
the-jobs-market/; and Rachel Greszler, ``Democrats Want to Close the 
`Gender Pay Gap.' Here Are 4 Ways Their Proposal Would Backfire,'' The 
Daily Signal, January 31, 2019, https://www.dailysignal.com/2019/01/31/
democrats-want-to-close-the-gender-pay-gap-here-are-4-ways-their-
proposal-would-backfire/.
---------------------------------------------------------------------------
         employer-provided versus government-paid family leave
    All paid family leave policies have benefits and costs, but not all 
paid family leave policies are equal. A key to maximizing benefits and 
minimizing costs is balancing the need for accessible and accommodating 
benefits for workers with employers' needs to maintain operations 
(without hurting customers and employees who fill in for absent 
coworkers).

    Workers Need Accessible and Accommodating Paid Family Leave. Other 
than the birth or adoption of a child--which makes up only one of five 
leaves taken by workers--workers' needs are widespread, often 
unexpected, and can include unknown lengths.

    The struggle with government programs is that since the bureaucrats 
who run them do not know anything about workers' personal needs or the 
nature of their jobs, they have to set one-size-fits-all rules. And 
without the daily interaction that occurs between workers and 
employers, government programs require a burdensome application and 
approval process as opposed to a worker's ability to simply talk with 
or email his boss to notify her of his need for leave.

    Those government application processes can be daunting. The 
District of Columbia's 54-page handbook on paid family leave benefits 
explains that workers must: wait to apply for benefits until after they 
have experienced a family or medical event that caused them to miss 
work; submit personal information and a leave plan; obtain and submit 
detailed forms to be completed by a certified health provider; wait for 
a decision from the government's program administrators; and then wait 
for a benefit check, which is a portion of workers' usual 
paychecks.\14\
---------------------------------------------------------------------------
    \14\ Department of Employment Services, ``Employee Handbook: DC 
Paid Family Leave,'' Version 3, published March 2022, https://
dcpaidfamilyleave.dc.gov/wp-content/uploads/2023/06/
PFL_EmployeeHandbook-March-2022.pdf (accessed October 23, 2023).

    Once an application is approved, workers must follow the prescribed 
leave plan to a T. Partial-leave days are not an option; if a worker 
needs 2 hours of leave for an appointment, she must claim the entire 
day as leave. If she did not know about the appointment when submitting 
her application, she must petition for a change in leave, which can 
only be done once per month. If she ends up working on a day she 
requested for leave, she will have to repay her benefits or forgo 
future benefits. All of that is not conducive to many workers' needs, 
---------------------------------------------------------------------------
nor to the modern workforce.

    For example, the combination of remote work and flexible hours has 
allowed one of my coworkers to care for his mother who suffered a 
stroke--without missing a paycheck and without having to formally use 
paid family leave. That type of arrangement was not possible through 
the existing DC Government program because he could not possibly know 
in advance what would be the daily needs of his mother. Moreover, what 
he needed was to be able to care for his mother in short increments 
throughout the day--every day--but the government program requires all-
or-
nothing care or work.

    Just as the government program did not work for my coworker, a 
government program would not work well for many people. In addition to 
many workers not being able to go weeks without a paycheck or months 
with a reduced one, many leaves are not planned events. The last thing 
that workers need while faced with medical emergencies, 
hospitalizations, or long-term health and family-care struggles is to 
have to collect paperwork and get approval from a government program, 
including for things as simple as switching a doctor's appointment from 
Monday to Wednesday.

    Employers Need to Maintain Control Over Operations. Aside from the 
direct costs of providing paid family leave, a crucial component to 
enabling leave is the ability to manage a company's operations amidst 
workers' leaves. The Bill and Melinda Gates Foundation realized this 
when the foundation had to cut its 52-week paid family leave program in 
half because it was too disruptive to the foundation's operations. 
Because the policy was the foundation's own, it was free to modify it 
based on needs.\15\
---------------------------------------------------------------------------
    \15\ ``Bill Gates' Foundation Says 52-Week Paid Leave Isn't Doable 
After All, But Will Give New Parents $20,000,'' CNBC, February 6, 2019, 
https://www.cnbc.com/2019/02/06/bill--melinda-gates-foundation-cancels-
52-week-paid-parental-leave.html (accessed October 17, 2023).

    When Denmark implemented a similar 52-week government-paid parental 
leave program in 1994, it led to significant unintended consequences. 
An economic analysis of this program on the nursing industry found that 
it ``led to a sudden, unintended, and persistent 12-percent reduction 
in nurse employment.'' The consequences of that reduction included a 
17-percent increase in inpatient readmissions, an 89-percent increase 
in newborn readmissions, a delay in technology adoption, and a 13-
percent increase in nursing home mortality over the 3-year period 
following enactment.\16\
---------------------------------------------------------------------------
    \16\ Maya Rossin-Slater, Christopher J. Ruhm, and Jane Waldfogel, 
``The Effects of California's Paid Family Leave Program on Mothers' 
Leave-taking and Subsequent Labor Market Outcomes,'' National Bureau of 
Economic Research Working Paper No. 17715, December 2011, http://
www.nber.org/papers/w17715 (accessed October 20, 2023).

    Across the U.S., employers in States with government-paid family 
leave programs have less ability to manage their operations without 
interruptions that burden other employees or limit customers access to 
goods and services. For example, while I know many people--myself 
included--who have utilized employer-provided paid family leave 
policies and have kept their foot in the door at work to help things 
move along in their absence, I also know new mothers who, when 
utilizing formal government-paid family leave programs have had their 
access to email and all computer systems shut off while they were on 
leave, out of their employer's fear of a lawsuit if they did any work. 
Such rigid prohibitions hurt companies and customers, as well as 
employees who can miss out on promotions or find it harder to come back 
---------------------------------------------------------------------------
to work after taking leave.

    While acknowledging that paid family leave is beneficial for 
workers, it imposes costs on employers. Inserting a middleman--a 
bureaucratic government administration--between workers and employers 
prevents both parties from flexibly balancing their needs and desires 
in ways that minimize costs and consequences for workers, employers, 
and customers.

    Government Programs Crowd Out Employer-Provided Paid Family Leave. 
A 2017 Pew Research Center poll found that over 70 percent of Americans 
believe that employers--as opposed to Federal or State governments--
should be responsible for providing paid family leave.\17\
---------------------------------------------------------------------------
    \17\ Juliana Menasce Horowitz et al., ``Americans Widely Support 
Paid Family and Medical Leave, But Differ Over Specific Polices,'' Pew 
Research Center, March 23, 2017, https://www.pewsocialtrends.org/2017/
03/23/americans-widely-support-paid-family-and-medical-leave-but-
differ-over-specific-policies/ (accessed October 20, 2023).


                 Table 2. Americans Support Paid Family Leave  and Want Employers to Provide It
                                         PERCENT OF AMERICANS SUPPORTING
 
                  TYPE OF LEAVE                                           WHO SHOULD PAY?
 
Mothers following birth/adoption of child                  82%  Employers                                    62%
 
Fathers following birth/adoption of child                  69%  Workers                                      18%
 
Workers to deal with their own serious health              85%  State governments                            13%
 condition
 
Workers to care for family members with serious            69%  Federal Government                           11%
 health conditions
 
 
NOTE: 82 percent of Americans support paid maternity leave. This implies that 18 percent believe workers who
  want to take leave from work should pay for it themselves through personal savings or using vacation and paid
  time off.
 
SOURCE: Juliana Menasce Horowitz, Kim Parker, Nikki Graf, and Gretchen Livingston, ``Americans Widely Support
  Paid Family and Medical Leave, But Differ Over Specific Policies.'' Pew Research Center, March 23, 2017, http:/
  /www.pewsocialtrends.org/2017/03/23/americans-widely-support-paid-family-and-medical-leave-but-differ-over-
  specific-policies/, (accessed March 12, 2018).
 
BG3376  heritage.org


    Yet, a government program would crowd out employer-provided paid 
family leave programs by discouraging employers who do not yet offer 
their own paid family leave programs from starting them. And a 
government program would also shift part of the costs of existing 
employer-provided paid family leave onto taxpayers.\18\
---------------------------------------------------------------------------
    \18\ Based on a recent economic analysis that showed a 60-percent 
crowd-out rate of privately provided health insurance due to government 
provision, policymakers can expect significantly higher crowd-out from 
a Federal paid family leave program; such benefits would be less 
valuable, as they would lack the special tax benefit for employer-
provided health insurance. Jonathan Gruber and Kosali Simon, ``Crowd-
Out Ten Years Later: Have Recent Public Insurance Expansions Crowded 
Out Private Health Insurance?'', National Bureau of Economic Research 
Working Paper No. 12858, January 2007, http://www.nber.org/papers/
w12858.pdf (accessed October 20, 2023).

    Such crowding out is already happening with State-based programs. 
At a July 11, 2018, Senate Finance subcommittee hearing, Carolyn 
O'Boyle, representing Deloitte, explained that while Deloitte has its 
own employer-provided paid family leave program, the company instructs 
in States that have government programs to first apply for and utilize 
the State-provided paid leave benefits. Deloitte then tops those 
benefits off to bring them up to what Deloitte's program provides. That 
is a transfer of costs from within Deloitte's operations to State 
taxpayers. Larger companies have more resources to help workers 
navigate State paid family leave programs and are thus more likely to 
take advantage of government programs, but even large companies 
---------------------------------------------------------------------------
complain about the complexity and rigidity of government programs.

    In a conversation with HR representatives from large companies, 
managers expressed frustrations and reported significant compliance 
costs from State-based paid family leave programs. They noted that they 
were often unable to help employees understand which benefits they 
could receive, that some employees had to pay benefits back, and that 
complying with State-based paid family leave programs left them with 
fewer resources to devote to employee compensation. Moreover, when 
asked if a Federal program would make things easier for them, employers 
unanimously said that it would make things more difficult for them.

    Existing Government Programs Fall Short for Low-Income Workers. 
Despite their intent to particularly benefit lower-income workers who 
are less likely to have access to paid family leave, most government 
programs are highly regressive. While government programs tax all 
workers, they primarily benefit middle-
income and upper-income earners. That skewed distribution is the result 
of lower eligibility among low-wage workers (government programs 
require a minimum job tenure or number of hours); lower awareness of 
government programs; less ability to make ends meet with partial wage 
replacement; greater concerns with the rules and confusion about the 
application process; and concerns about job protection.

    A 2019 report from the Independent Women's Forum, ``Expanding Paid 
Family Leave Without Disadvantaging Low-Income Families,'' highlighted 
the difficulties that government-paid family leave programs across the 
globe have encountered in helping low-income families:\19\
---------------------------------------------------------------------------
    \19\ Kristen Shapiro, ``Expanding Paid Family Leave Without 
Disadvantaging Low-Income Families,'' Independent Women's Forum, July 
2019, http://pdf.iwf.org/PFL_For_Low-Income_
Families.pdf (accessed October 20, 2023).

          California. A 2013 analysis by the California Senate's 
        Research Office found that fewer than 4 percent of workers in 
        the lowest income bracket (below $12,000) filed paid family 
        leave claims with the State, compared to nearly 21 percent of 
        workers in the highest income bracket (above $84,000).\20\
---------------------------------------------------------------------------
    \20\ Leonor Ehling, ``California's Paid Family Leave Program Ten 
Years After the Program's Implementation, Who Has Benefited and What 
Has Been Learned?'', California Senate Office of Research, July 1, 
2014, https://sor.senate.ca.gov/sites/sor.senate.ca.gov/files/
Californias%20
Paid%20Family%20Leave%20Program.pdf (accessed October 20, 2023).
---------------------------------------------------------------------------
          Canada. A 2016 study found that only about 45 percent of 
        Canadian mothers with household incomes below C$30,000 receive 
        paid family leave benefit from the government, compared to 
        between 75 percent to 85 percent of Canadian mothers with 
        household incomes above C$60,000.\21\ The study's authors noted 
        that ``[d]espite proportionate and obligatory contributions of 
        all employers and employees to these programs, the distribution 
        of benefits is unbalanced and aids the social reproduction of 
        higher-income families.''\22\
---------------------------------------------------------------------------
    \21\ Lindsey McKay, Sophie Mathieu, and Andrea Doucet, ``Parental-
Leave Rich and Parental-Leave Poor: Inequality in Canadian Labour 
Market Based Leave Policies,'' Journal of Industrial Relations, Vol. 
58, No. 4 (2016), pp. 1-20, http://www.andreadoucet.com/wp-content/
uploads/2016/11/Doc-10--McKay-Mathieu-Doucet-2016-JIR-FINAL.pdf 
(accessed October 20, 2023).
    \22\ Ibid.
---------------------------------------------------------------------------
          Norway. Norway tried to increase access to paid maternity 
        leave for lower-income mothers by providing 100 percent 
        replacement rates, but a study found that ``the extra leave 
        benefits amounted to a pure leisure transfer, primarily to 
        middle and upper income families.''\23\ The authors of the 
        study concluded that ``the generous extensions to paid leave 
        were costly, had no measurable effect on outcomes and poor 
        redistribution properties.''\24\
---------------------------------------------------------------------------
    \23\ Gordon B. Dahl, Katrine V. L, Magne Mogstad, and Kari Vea 
Salvanes, ``What Is the Case for Paid Maternity Leave?'', April 20, 
2015, https://econweb.ucsd.edu/gdahl/papers/paid-maternity-leave.pdf 
(accessed October 20, 2023).
    \24\ Ibid.

    The Proposed Federal Program Would be Costly and Excessively 
Burdensome. The Family and Medical Insurance Leave Act (FAMILY Act) is 
Democrats' leading proposal to establish a new Federal entitlement for 
paid family and medical leave.\25\ The FAMILY Act would be funded with 
a 0.4-percentage-point payroll tax split between workers and employers 
and would provide up to 12 weeks per year of paid family and medical 
leave.
---------------------------------------------------------------------------
    \25\ S. 1714 and H.R. 3481, The FAMILY Act, 118th Congress (2023-
2024), https://www.congress.gov/118/bills/s1714/BILLS-118s1714is.pdf 
(accessed October 19, 2023).

    The Congressional Budget Office (CBO) analyzed the 2019 version of 
the FAMILY Act \26\ and found that the new entitlement would be quickly 
unfunded and cover fewer than half of the leaves that workers take.\27\ 
According to the CBO analysis, the new 0.4-percentage-point payroll tax 
to fund the program would fall short of its expenses just 1 year after 
benefits begin.
---------------------------------------------------------------------------
    \26\ H.R. 1185, The FAMILY Act, 116th Congress (2019-2020), https:/
/www.congress.gov/bill/116th-congress/house-bill/1185/text (accessed 
October 19, 2023).
    \27\ Congressional Budget Office, ``Budgetary Effects of H.R. 1185, 
the FAMILY Act,'' letter to the Honorable Kevin Brady, February 13, 
2020, https://www.cbo.gov/system/files/2020-02/hr1185_2.pdf (accessed 
October 19, 2023).

[GRAPHIC NOT AVAILABLE IN TIFF FORMAT]



         Table 1. CBO Estimate: Fewer Than Half of Workers Who Need PLeave Will Benefit From FAMILY Act
----------------------------------------------------------------------------------------------------------------
                                                             Percent of All      Covered by      Not Covered by
                     Reason for Leave                          Leave Taken       FAMILY Act        FAMILY Act
----------------------------------------------------------------------------------------------------------------
New child*                                                             21.1%             11.1%             10.0%
 
Own medical condition                                                  54.6%             27.3%             27.3%
 
Care for family member's medical condition, or other FMLA-             20.0%              3.3%             16.7%
 covered reason
 
Non-FMLA reason or unspecified**                                        4.3%              0.0%              4.3%
----------------------------------------------------------------------------------------------------------------
Total                                                                 100.0%             41.7%              58.3
----------------------------------------------------------------------------------------------------------------
* The CBO report says 70 percent of new parents would be eligible to take leave, and within that group, ``most''
  new mothers and ``about half'' of new fathers would take leave. This data assumes that 100 percent of eligible
  mothers and 50 percent of eligible fathers would take leave.
** The FAMILY Act would not cover non-FMLA reasons, and the author assumes it would not cover the 1.0 percent of
  unspecified reasons for leave.
 
SOURCES:
 Share of workers who need to take leave who use FAMILY Act benefits: Congressional Budget Office.
  Congressional Budget Office, ``Budgetary Effects of H.R. 1185, the FAMILY Act,'' letter to the Honorable Kevin
  Brady, February 13, 2020, https://www.cbo.gov/system/files/2020-20/hr1185_2.pdf (accessed February 23, 2020).
 Distribution of all leaves: Abt Associates, ``Family and Medical Leave in 2012: Technical Report,'' prepared
  for Jonathan Simonetta, U.S. Department of Labor, Exhibit 4.4.2 Medical reasons for taking leave. Revised
  April 18, 2014, https://www.dol.gov/sites/dolgov/files/OASP/legacy/files/FMLA-2012-Technical-Report.pdf
  (accessed February 25, 2020).


    After 6 years, the program's costs would equal 240 percent of its 
revenues, meaning policymakers would either have to ration benefits or 
more than double taxes. Most importantly, the CBO estimated that the 
program would provide benefits to only four out of every 10 workers who 
need to take family or medical leave.

    The most recent, 2023 version of the FAMILY Act would significantly 
expand benefit eligibility, impose tremendous burdens on employers--
especially small businesses, invite substantial misuse and abuse, and 
be significantly more costly and underfunded than prior versions of the 
FAMILY Act.\28\
---------------------------------------------------------------------------
    \28\ S. 1714 and H.R. 3481, The FAMILY Act, 118th Congress (2023-
2024).

    For starters, the FAMILY Act extends the FMLA's job protections to 
all workers who have been employed with a company for 90 days or 
more.\29\ Currently about 70 million workers do not have access to FMLA 
job protection either because they work for a smaller employer or 
because they have not been employed for the FMLA's requirement of 12 
months or more. Thus, the FAMILY Act would extend FMLA job protections 
to tens of millions of workers. While job protection is seemingly a 
good thing (no one wants a woman to lose her job because she had a 
child and had to take leave from work), providing job protection for 
all FMLA purposes can be particularly burdensome for small employers, 
which is why Congress excluded them from the FMLA. For example, a 
Heritage Foundation report by James Sherk provided an example of a 911 
call center where five of the seven day-shift employees had FMLA 
certifications.\30\ Since that work is so specialized, when employees 
take unannounced leave, their coworkers have to work overtime, leaving 
exhausted workers handling emergency situations.
---------------------------------------------------------------------------
    \29\ U.S. Department of Labor, ``Family and Medical Leave (FMLA),'' 
https://www.dol.gov/general/topic/benefits-leave/fmla (accessed 
February 7, 2020).
    \30\ James Sherk, ``Use and Abuse of the Family and Medical Leave 
Act: What Workers and Employers Say,'' Heritage Foundation Special 
Report No. 16, August 28, 2007, https://www.heritage.org/jobs-and-
labor/report/use-and-abuse-the-family-and-medical-leave-act-what-
workers-and-employers-say.

    Moreover, FMLA has been extensively misused and abused in certain 
workplaces in which obtaining an FMLA certification is a means for 
workers to take time off whenever they want with immunity. Reports from 
HR managers, significant variance in the use of FMLA across otherwise 
similar worksites, and trends in FMLA use around holidays and weekends 
(it is often referred to as the Friday and Monday Leave Act) suggests 
significant misuse and abuse of FMLA. Turning currently unpaid leave 
---------------------------------------------------------------------------
into paid leave will only exacerbate FMLA misuse and abuse.

    The current FAMILY Act also extends paid family leave to 
individuals who have little attachment to the labor force. To qualify 
for benefits, an individual can have as little as one penny of earnings 
in the prior quarter and must have only $2,000 in earnings over the 
prior 2 years. For someone making $10 per hour, that amounts to an 
average of fewer than 2 hours of work per week. The current FAMILY Act 
also extends leave to workers to care for non-kin individuals with whom 
the individual has a family-like relationship.

    The current FAMILY Act's significant expansions will vastly 
increase the cost of the Federal paid leave entitlement without 
adequately financing those expansions. The current FAMILY Act's 
proposal to apply the 0.4-percentage-point tax to earnings above the 
Social Security payroll tax cap will only increase revenues by about 17 
percent.\31\ Even if the current FAMILY Act did not increase benefit 
eligibility from the 2019 version, CBO's analysis indicates that the 
proposed tax increase would only keep the program solvent 1 year 
longer, with revenues falling short in the second year of benefit 
payments instead of the first year. By the 10th year, revenues would 
still be less than half of CBO's estimate of the cost of a less-
expansive FAMILY Act (the 116th Congress version would have covered 
only 42 percent of leaves workers take).
---------------------------------------------------------------------------
    \31\ Over the past 10 years (2012-2021), an average 17 percent of 
earnings have been above Social Security's taxable maximum. Social 
Security Administration, Annual Statistical Supplement, 2022, Table 
4.B1--Number of workers with Social Security (OASDI) taxable earnings, 
amount of earnings, and Social Security numbers issued, selected years 
1937-2021, https://www.ssa.gov/policy/docs/statcomps/supplement/2022/
supplement22.pdf (accessed October 21, 2023).

    Considering the massive expansion in eligibility and benefits in 
the 2023 FAMILY Act, it is likely that the payroll tax will need to be 
at least three times as high as specified. For the median household 
with an income of about $70,000, that would amount to an extra $840 in 
Federal taxes. As the experience of other countries, States, and 
current Federal entitlement programs demonstrates, those costs would 
---------------------------------------------------------------------------
likely rise significantly over time.

    In addition to increased taxes for workers, the current FAMILY Act 
imposes tremendous burdens on employers who are already struggling with 
labor shortages. Enabling virtually all workers to access paid family 
leave benefits and providing those who have been on the job at least 90 
days with additional workplace protections will make it even more 
difficult for employers to run their businesses and to meet customers' 
demands and patients' needs. In particular, the current FAMILY Act 
specifies that employers cannot interfere with employees' rights under 
the law (``interfere'' could be broadly interpreted to include asking a 
simple question related to an employee's leave). It also creates 
effective immunity from disciplinary, dismissal, or adverse action for 
an entire year after the worker takes leave. This is done by 
establishing a ``rebuttal presumption of retaliation,'' whereby any 
adverse action an employer takes against an employee is presumed to be 
in retaliation for the worker having taken leave. Since the Act allows 
workers to take up to 12 weeks of leave every year, workers who take 
leave every year could become nearly impossible to discipline or 
dismiss.

    Government Programs and Mandates Have Unintended Consequences for 
Women. While laws regarding paid family leave almost always aim to 
particularly help women, they can have the opposite effect in practice.

    Generous government-paid family leave programs in other countries 
have reduced women's prospects of promotion, contributed to lower 
relative wages, and created disjointed workforces with women dominating 
part-time jobs and men dominating full-time jobs.\32\ Thus, it is no 
coincidence that America is the only industrialized nation without a 
Federal paid family leave policy and where women's earnings are among 
the highest in the world compared to men's and where the highest 
proportion of women hold top-level and management positions.
---------------------------------------------------------------------------
    \32\ See Jenna Stearns, ``The Long-Run Effects of Wage Replacement 
and Job Protection: Evidence from Two Maternity Leave Reforms in Great 
Britain,'' University of California, Davis, January 14, 2017, http://
economics.ucdavis.edu/events/papers/28Stearns.pdf (accessed October 20, 
2023); Christopher J. Ruhm, ``The Economic Consequences of Parental 
Leave Mandates: Lessons from Europe,'' National Bureau of Economic 
Research Working Paper No. 5688, July 1996, http://www.nber.org/papers/
w5688.pdf (accessed October 20, 2023); and Sven R. Larson, ``A Fork in 
the Road of the American Welfare State,'' SSRN Research Paper 2019, 
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3467127 
(subscription required).

    Both California's and New Jersey's State-based paid family leave 
programs had the unintended consequence of increasing the unemployment 
rate and the duration of unemployment for young women.\33\ Even with 
low awareness and up-take rates, researchers estimated that New 
Jersey's paid family leave program reduced young women's employment 
rates by an estimated 8 percent to 9 percent.\34\ And a recent analysis 
of California's program using administrative data from the IRS found 
that new mothers who used California's paid family and medical leave 
program had 7 percent lower employment and 8 percent lower annual 
earnings 6 years to 10 years after giving birth than new mothers who 
did not use the program. (That study also has the surprising finding 
that California's paid family leave program reduces women's fertility 
rates).\35\ Even though the United States' Family and Medical Leave Act 
(FMLA) only enables unpaid family and medical leave, and only applies 
to companies with more than 50 employees, it has still reduced women's 
likelihood of being promoted \36\ and thwarted women's wage gains 
relative to men.\37\
---------------------------------------------------------------------------
    \33\ Tirthatanmoy Das and Solomom W. Polachek, ``Unanticipated 
Effects of California's Paid Family Leave Program,'' Institute of Labor 
Economics Discussion Paper No. 8023, March 2014, http://ftp.iza.org/
dp8023.pdf (accessed October 20, 2023).
    \34\ Joshua Reed and Donald Vandegrift, ``The Effect of New 
Jersey's Paid Parental Leave Policy on Employment,'' Munich Personal 
RePEc Archive Paper No. 74794, October 28, 2016, https://mpra.ub.uni-
muenchen.de/74794/1/MPRA_paper_74794.pdf (accessed October 20, 2023).
    \35\ Martha J. Bailey, Tanya S. Byker, Elena Patel, and Shanthi 
Ramnath, ``The Long-Term Effects of California's 2004 Paid Family Leave 
Act on Women's Careers: Evidence from U.S. Tax Data,'' NBER Working 
Paper No. 26426, October 2019.
    \36\ This study found that women who were hired shortly after 
passage of the FMLA were 8 percentage points less likely to be promoted 
compared to those hired before it: Mallika Thomas, ``The Impact of 
Mandated Maternity Benefits on the Gender Differential in Promotions: 
Examining the Role of Adverse Selection,'' Cornell University ILR 
School, September 6, 2016, https://digitalcommons.ilr.cornell.edu/cgi/
viewcontent.cgi?article=1015&context=ics (accessed October 20, 2023).
    \37\ This study found that White women's wages had been converging 
at a rate of 0.70 percentage points per year in the decades prior to 
passage of the FMLA and have converged at a rate of 0.03 percentage 
points since. For Black women, convergence rates fell from 0.30 
percentage points prior to the FMLA to 0.05 percentage points 
afterwards. Peter Q. Blair and Benjamin Posmanick, ``Why Did Gender 
Wage Convergence in the United States Stall?'', National Bureau of 
Economic Research Working Paper No. 30821, January 2023, https://
www.nber.org/system/files/working_papers/w30821/w30821.pdf (accessed 
October 19, 2023).

    Even liberal economists such as professor and scholar Harry Holzer 
have noted, ``A mandatory paid leave policy might well lead employers 
to begin discriminating in hiring against less-educated women in the 
child-bearing ages, especially minority women.''\38\ While government 
mandates cause employers to fear absences that are out of their control 
and lawsuits for even unknowingly failing to follow complicated rules, 
employer-provided policies have fewer consequences because they do not 
insert a middleman between workers and employers. Consequently, 
employers who voluntarily provide paid family leave benefits are 
unlikely to discriminate against workers who may take leave and are 
more likely to accommodate workers' leaves in an effort to keep them 
employed with the company.
---------------------------------------------------------------------------
    \38\ Harry J. Holzer, ``Paid Family Leave: Balancing Benefits and 
Costs,'' AEI-Brookings Project on Paid Family Leave Social Mobility 
Memo, January 30, 2017, https://www.brookings.edu/blog/social-mobility-
memos/2017/01/30/paid-family-leave-balancing-benefits-and-costs/ 
(accessed October 20, 2023).

    Most Americans Are Unwilling to Accept the Costs and Trade-offs of 
a Federal Paid Family Leave Program. A 2018 survey by the Cato 
Institute found that most Americans--74 percent--support a Federal paid 
family and medical leave program; but that support dropped 
precipitously when asked about the costs, or trade-offs, of such a 
program.\39\ At a price tag of $450 more in taxes each year--the likely 
minimum cost for a program like the FAMILY Act \40\--fewer than half of 
Americans (48 percent) supported a national paid leave program.\41\ In 
reality, however, a national paid leave program would cost much more--
as much as thousands of dollars per year in new taxes, according to the 
American Action Forum.\42\
---------------------------------------------------------------------------
    \39\ Ekins, ``Cato Institute 2018 Paid Leave Survey.''
    \40\ The $450 cost is based on a critique by the AEI-Brookings 
Working Group on Paid Family Leave report, arguing that the FAMILY 
Act's costs are likely underestimated. The CATO survey uses a 16-
percent take-up rate and an average leave duration of 7 weeks.
    \41\ Ekins, ``Cato Institute 2018 Paid Leave Survey.''
    \42\ Ben Gitis, ``The Cost of Paid Family Leave Law,'' American 
Action Forum, October 2015, https://www.americanactionforum.org/
research/the-cost-of-paid-family-leave-law/ (accessed October 20, 
2023).

    Americans are not willing to exchange more debt for a Federal paid 
family leave program as only 40 percent of Americans support paid 
family leave if it means higher deficits.\43\ Americans appear even 
less willing to give up their own personal compensation or to forgo 
promotions for women: Only 38 percent of Americans support a Federal 
paid leave policy if it means lower pay raises for them, and even 
fewer--29 percent--are willing to exchange such a program for fewer 
benefits for them or for a reduced likelihood of promotions for 
women.\44\ That has, unfortunately, been the case with national paid 
family leave policies, including both unpaid mandates \45\ and generous 
national programs.\46\
---------------------------------------------------------------------------
    \43\ Ekins, ``Cato Institute 2018 Paid Leave Survey.''
    \44\ Ibid.
    \45\ Malika Thomas, ``The Impact of Mandated Maternity Benefits on 
the Gender Differential in Promotions: Examining the Role of Adverse 
Selection,'' March 6, 2019, https://irs.
princeton.edu/sites/irs/files/event/uploads/Draft030619.pdf (accessed 
October 20, 2023).
    \46\ Christopher J. Ruhm, ``The Economic Consequences of Parental 
Leave Mandates: Lessons from Europe,'' National Bureau of Economic 
Research Working Paper No. 5688, July 1996, http://www.nber.org/papers/
w5688.pdf (accessed October 20, 2023).

[GRAPHIC] [TIFF OMITTED] T0253.004


    Americans were least willing to support a Federal paid family 
leave program if it meant giving up other valued government services. 
Only 21 percent of Americans said they would trade lower funding for 
education, Social Security, and Medicare in order to implement a 
national paid family leave program.\47\ This is an important reality 
because Social Security and Medicare are both massively underfunded and 
Social Security is projected to run out of money within a decade, 
resulting in automatic and across-the-board benefit cuts of 23 percent 
(about $5,000 for the average retiree). Adding another unfunded 
entitlement program would further jeopardize the ability of existing 
entitlement programs to provide scheduled benefits.
---------------------------------------------------------------------------
    \47\ Ekins, ``Cato Institute 2018 Paid Leave Survey.''

    Another survey, commissioned by the Independent Women's Forum, 
asked Americans about their concerns over a Federal paid family leave 
policy. Americans' biggest concern was that ``people will find a way to 
abuse this type of policy.''\48\ About half of all Americans were 
concerned about abuse, including 56 percent of conservatives, 52 
percent of moderates, and 38 percent of liberals. Americans' other top 
concerns were that a Federal paid family leave policy ``only benefits 
workers who plan to have children, which is unfair to those who do 
not'' (38 percent); ``workers will have to pay more taxes and will have 
less money for themselves and their families'' (37 percent); and it 
``discourages businesses from providing their own parental leave 
benefit'' (34 percent).\49\
---------------------------------------------------------------------------
    \48\ Heart Mind Strategies, ``Paid Leave Messaging Research: Public 
Report,'' prepared for the Independent Women's Forum, April 29, 2019, 
https://pdf.iwf.org/Paid-Leave-Poll-Hearts-and-Mind%202019.pdf 
(accessed October 20, 2023).
    \49\ Ibid.

           policies to expand workers' access to paid family 
                    leave and work-life flexibility
    It is important that family members be able to care for one 
another, and in a time when many households are headed by a single 
adult or both spouses are working, providing necessary care can require 
taking time off work. Employers who fail to recognize and provide for 
this need risk losing good workers and incurring high turnover costs. 
Fortunately, a competitive global economy, the 2018 pro-growth tax 
cuts, and the workplace adaptations related to the COVID-19 pandemic 
have spurred more and more employers to voluntarily provide paid family 
leave to their workers. Moreover, 14 States have enacted paid family 
leave programs that vary in program design and administration, and a 
handful of other States have optional paid family leave programs.

    Tax Credits Versus Mandates. Tax credits for paid family leave 
policies will always have fewer unintended consequences than government 
mandates because credits are optional. The effectiveness of tax credits 
at increasing access to paid family leave depend on the structure of 
the credits. Temporary credits are less likely to induce employers to 
enact permanent new benefits, and credits that impose significant 
requirements on employers are less likely to be utilized. Meanwhile, 
credits that are available to employers who already provide the 
specified policy will raise taxpayers' costs without generating new 
benefits for workers.

    The Tax Cuts and Jobs Act of 2018 (TCJA) included a temporary tax 
credit for employers who paid family leave to their workers. That 
credit was supposed to last only through 2019 but has since been 
extended through 2025. To qualify for the credit, employers must have a 
formal written policy that meets minimum requirements, including 
providing at least 2 weeks of paid family leave, being available to 
employees who have worked for the employer for at least 12 months, and 
providing at least 50-percent benefit replacement rates. The credit 
equals a quarter of the paid family leave wages paid (so, between 12.5 
percent and 25 percent) to workers who have incomes below a specified 
threshold. In 2023, employers can claim credits for workers whose total 
wage compensation did not exceed $81,000 in 2022. To claim the credit, 
employers must file two IRS forms and must reduce their tax deduction 
for employee compensation by the amount of the credit. The credit was 
and is available to employers with existing paid family leave policies 
that meet the credit's requirements, as well as to employers who 
provide short-term disability insurance plans that meet the 
requirements.

    The efficacy of the tax credit at expanding access to paid family 
leave is not yet known. In particular, it is not clear what portion of 
tax credits claimed went to employers who already provided paid family 
leave or short-term disability insurance policies versus how many were 
spurred to create new policies as a result of the credit. The Joint 
Committee on Taxation estimated that the credit would cost about $2.2 
billion per year in tax revenues over the first 3 years (2018-2020) and 
about $0.8 billion per year over the next 5 years (2021-2025).

    A back-of-the-envelope estimate suggests that $0.8 billion per year 
equates to about 1.1 million workers receiving the credit. (This 
estimate assumes workers have average wages of $50,000 per year, they 
each take the average of 5.5 weeks of leave, and they receive a 75 
percent benefit replacement.) Considering that upwards of 40 million 
workers have access to paid family leave at work, and that roughly 23 
million workers take family leave each year, the credit would appear to 
benefit relatively few workers.\50\ Moreover, it is unclear how many of 
the workers for whom employers claim the credit would have had access 
to paid family leave even without the credit.
---------------------------------------------------------------------------
    \50\ Bureau of Labor Statistics, ``National Compensation Survey,'' 
and Brown et al., ``Employee and Worksite Perspectives of the Family 
and Medical Leave Act: Executive Summary for Results from the 2018 
Surveys.''

    A provision of the paid family leave tax credit that may be 
preventing particularly smaller employers from claiming it, even if 
they decide to provide some paid family leave, is the ``non-
interference'' language. That language specifies that an employer 
cannot interfere with any attempted use of the benefits of the policy. 
Employers may rightly fear that ``interfere'' could be interpreted to 
include an employer asking to work with an employee in scheduling his 
paid leave or asking that employee to do work--even answering an email 
or a phone call from a coworker filling in for that employee--while on 
leave. Additionally, because smaller companies tend to face greater 
liquidity constraints, the lag between when an employer provides paid 
family leave and when the company files taxes and eventually receives 
---------------------------------------------------------------------------
the credit may render it less effective.

    COVID-19 Family Leave Credit Underutilized. Another temporary 
credit in the Families First Coronavirus Act covered 100 percent of 
employers' costs for wages and health-care benefits for workers at 
companies with 500 employees or fewer who took family leave for reasons 
related to the COVID-19 pandemic. The original credit expired at the 
end of 2020. Subsequent legislation modified and extended the credit 
through September 30, 2021. The original credit was estimated by the 
Joint Committee on Taxation to cost $105 billion. According to IRS 
administrative records through July 15, 2021, the IRS had processed 
only $6.7 billion worth of employers' claims for the credit between the 
second quarter of 2020 and the first quarter of 2021.\51\ This suggests 
that the credit was highly underutilized. Possible reasons for so few 
businesses claiming the 100 percent paid family leave credit could 
include fewer needed leaves than anticipated and administrative 
complexity and confusion, including the credit's interaction with other 
COVID-19 policies.
---------------------------------------------------------------------------
    \51\ Congressional Budget Office, ``The Budgetary Effects of the 
Tax Credit for Employer-Paid Sick and Family Leave During the 
Coronavirus Pandemic,'' July 16, 2021, https://www.cbo.gov/publication/
57362 (accessed October 19, 2023).

    Conditional tax credits for paid family leave are arguably less 
effective than across-the-board tax reductions. To the extent that 
policymakers consider using the tax code to encourage the provision of 
paid family leave, a temporarily lower tax rate for companies that do 
not currently provide paid family leave and that enact new paid family 
leave policies would be better targeted than credits available to 
employers with existing policies. Moreover, businesses may be more 
inclined to implement new policies if they have fewer strings attached 
and do not include the administrative burden of tracking and submitting 
---------------------------------------------------------------------------
claims for each individual worker's leave.

    If policymakers enact Federal paid family leave legislation, it 
should be optional to prevent the unintended costs and consequences. 
The following proposals are all entirely optional ways to help expand 
paid family leave to workers who lack the ability to take it and to 
businesses that cannot yet afford to provide it:

    Enact the Working Families Flexibility Act. The Working Families 
Flexibility Act would allow lower-income, hourly workers to choose 
whether they want to accumulate paid leave overtime pay when they work 
more than 40 hours in a week. Paid leave, or so-called comp time, would 
accumulate at 1.5 times the rate of overtime, so 4 hours of overtime 1 
week would equal 6 hours of paid leave. This proposal would 
particularly help lower-income workers who are least likely to have 
access to paid family leave.

    Enact Universal Savings Accounts. Universal Savings Accounts would 
enable all Americans to save in a single, simple account for all their 
needs and to take money out for paid leave, for children's education, 
or any other life needs that arise without paying a penalty for early 
withdrawal. The ability to use tax-preferred savings for paid family 
leave would be particularly helpful for independent, part-time, and 
temporary workers.

    Expand Private Disability Insurance. Private disability insurance 
covers workers own medical needs and maternity leave. Already, about 50 
percent of full-time private-sector workers currently have private 
disability insurance at work.\52\ Providing clarity that employers can 
automatically enroll workers in private disability insurance, just as 
they can automatically enroll workers in retirement savings (so long as 
they provide a clear option to opt out), could encourage more employers 
to provide private disability insurance.
---------------------------------------------------------------------------
    \52\ Rachel Greszler, ``Private Disability Insurance Option Could 
Help Save SSDI and Improve Individual Well-being,'' Heritage Foundation 
Backgrounder No. 3037, July 20, 2015, http://report.heritage.org/
bg3037.

    Pursue Pro-Growth Tax Policies. Perhaps the single most impactful 
thing that policymakers can do to enable more employers to be able to 
provide paid family leave is to allow employers to return more of 
workers' output to them in compensation, like paid family leave, as 
---------------------------------------------------------------------------
opposed to sending it to the government through taxes.

    The success of the Tax Cuts and Jobs Act reduced the top corporate 
tax rate from 35 percent to 21 percent and lowered the top effective 
tax rate on S corporations from 37 percent to 29.6 percent. Many 
businesses used these tax reductions to increase employees' 
compensation, including paid family leave. In the 6 years leading up to 
the tax cuts, the percent of workers with access to employer-provided 
paid family leave increased only 3 percentage points, from 12 percent 
to 15 percent. In the 6 years following passage of the TCJA, that 
percentage shot up 12 percentage points, from 15 percent to 27 
percent.\53\
---------------------------------------------------------------------------
    \53\ Bureau of Labor Statistics, ``National Compensation Survey.''

    Do Not Regulate Away Paid Family Leave and Flexibility. Regulations 
are another drag on employee compensation, both because of the dollar 
costs and the burdens of rigid rules. A number of recently proposed 
regulations threaten to make it more difficult and less likely for 
employers to offer paid family leave. The Department of Labor's soon-
to-be-finalized Independent Contractor rule would make it harder for 
employers to hire short-term contractors to cover the work of employees 
who are out on paid family leave. That rule would also take away 
flexible work options that enable workers to choose when they work. The 
Department of Labor's recently proposed overtime rule (effectively 
subjecting all employees who make less than about $55,000 per year to 
overtime standards) could backfire on currently salaried employees who 
could end up having to use up their paid time off just to maintain a 
full paycheck in weeks when they log fewer than 40 hours. And salaried 
workers who are converted to hourly employees as a result of the rule 
may lose access to workplace benefits that are only provided to 
---------------------------------------------------------------------------
salaried employees.

    Instead of enacting new regulations that tie employers' and 
employees' hands and take away flexible work options, policymakers 
should look to eliminate costly and unnecessary regulations so that 
more of employers' resources can go to employees' compensation instead 
of to lawyers, accountants, and administrators. In addition to saving 
time and money, fewer regulations specifically geared at paid family 
leave policies would reduce employers' legal fears about offering it.

    Unlike a one-size-fits-all Federal entitlement program, these 
policies would help to meet workers' unique needs, in flexible and 
accommodating ways, at a cost they can afford.

                                 ______
                                 
        Questions Submitted for the Record to Rachel U. Greszler
                 Questions Submitted by Hon. Todd Young
    Question. You have written about the importance of taking a 
measured Federal approach on paid leave.

    Can you please elaborate how, in your view, the Federal Government 
can best partner with States and employers to address some of the 
current gaps we are seeing in the paid family leave space?

    Answer. I appreciate how you have framed it, as it is gaps and not 
gaping holes that U.S. workers and employers face when it comes to paid 
family leave today. A Federal mandate or Federal entitlement would 
eviscerate many current private and State and local paid family leave 
programs, so this is not where Federal policy should start. Instead, 
Federal policy should look to fill in gaps with options for workers and 
employers.

    For example, by specifying that employers can automatically enroll 
workers in private disability insurance plans like the are allowed to 
do for retirement plans, more employers would do just that, resulting 
in more workers having access to private disability insurance that 
covers the overwhelming majority of workers' paid family leave needs. 
Private disability insurance can be attractive for employers because 
they do not have to manage the leave and it can be of little or no cost 
to them, depending on whether or not they subsidize it for workers. In 
addition, allowing workers to save tax free in a single, simple 
Universal Savings Account (USA), whereby they could withdraw funds 
without penalty for any need including taking family or medical leave, 
would specifically help fill the gaps where workers lack access to paid 
family leave. USAs have been particularly popular among lower-income 
workers in Canada and South Africa, presumably because they are more 
flexible and do not siphon off workers savings to be used only for 
specified purposes.

    Question. Additionally, in your testimony, you highlighted the 
importance of protecting certain flexibilities for employers looking to 
implement paid leave programs.

    Can you elaborate on the importance of these flexibilities and how 
you suggest my colleagues and I work to protect them as we evaluate 
opportunities for the Federal Government to bolster efforts on paid 
family leave?

    Answer. The majority of paid family leave needs are not like 
pregnancy, which is known many months in advance of the need for leave. 
Rather, many paid leave needs arise unexpectedly, and they also may 
include a need for intermittent leave as opposed to entire weeks or 
months away from work. When considering policies, it is important to 
fully consider not only how such policies might help people, but also 
how they might unintentionally hurt people. For example, the District 
of Columbia's paid family leave stipulations require government 
approval of all leave requests, but this prohibits flexibility because 
employees have to submit all needs for leave weeks in advance, and they 
cannot take partial days of leave. That causes problems if, for 
example, a medical appointment is changed, or if the appointment only 
requires missing 2 hours of work instead of a whole day. Moreover, if 
someone ends up working on a day that they requested and were approved 
for leave--including even just answering a work phone call or email--
they will have to repay the benefits they received for that day. This 
type of policy simply does not work for many workers and many family 
and medical leave needs.

    Question. As Congress evaluates opportunities for Federal action on 
paid family leave, one question that often shapes the discussion is--
should Congress create a new entitlement program to address the gaps in 
the current system or build off of existing Federal programs? In your 
written testimony, you highlighted the challenges of creating a new 
entitlement program.

    In your view, what are the benefits to enacting a paid leave 
program that builds off of an existing program in comparison to 
creating an entirely new entitlement program?

    Answer. Creating a Federal paid family leave entitlement would 
eviscerate existing employer-provided and State and local programs that 
are tailored to their own populations, which are a tiny fraction of the 
entire U.S. population. Many existing employer-provided paid family 
leave policies--both formal and informal--are serving workers and 
employers well and should not be disrupted with a Federal mandate, 
Federal entitlement, or even Federal regulations that could end up 
doing more to limit paid family leave than to expand it.

    If the Federal Government were to establish any type of paid family 
leave policy or program, it should be entirely optional, and geared 
towards allowing workers who do not have access to paid family leave to 
be able to purchase it. This could include following the model of 
Virginia (and now multiple other States) that have enabled private 
insurers to offer paid family leave insurance policies to individuals.

                                 ______
                                 
               Question Submitted by Hon. Chuck Grassley
    Question. In your written testimony you talked about how, 
statistically, low-
income families are less likely to file paid leave claims.

    What considerations are important to ensure that paid leave 
programs and policies are accessible for low, middle, and high wage 
earners alike?

    Answer. Voluntary, employer-provided paid family leave programs as 
well as personal savings (such as through Universal Savings Accounts, 
which could include employer contributions into them) provide the best 
pathway to meaningfully expand paid family leave to lower-income 
groups. The reality of the situation is that the nature of many lower-
income Americans' work makes them ineligible for most 
government-created paid family leave programs. This is because lower-
income workers are more likely to work for small employers that do not 
have to provide job-
protected family and medical leave, lower-income earners tend to have 
significantly shorter job tenure that leaves them ineligible for 
government paid family leave programs, and most government programs 
provide only partial wage replacement and lower-income earners often 
cannot afford to keep paying their bills with only partial pay.

    Thus, policymakers should look to something like Universal Savings 
Accounts, or even emergency savings accounts that lower-income workers 
could use for whatever need arises--including paid family leave--and 
regardless of their employment situation. While it may be tempting to 
provide tax credits to companies for paid family leave provided to 
lower-income workers, experience with such tax credits during the 
COVID-19 pandemic showed that they were hardly utilized because of the 
regulations and requirements (even seemingly minor ones like ``non-
interference'') that came with them. As avoiding potential liability 
associated with managing a formal paid family leave program appears to 
be a legitimate concern of employers, private disability insurance 
offers a potential way for companies to provide paid family and medical 
leave benefits without having to take on the costs and liabilities of 
managing a program. Congress could help encourage greater access to and 
enrollment in private disability insurance by clarifying that employers 
can automatically enroll employees into such insurance plans similar to 
how they are allowed to automatically enroll employees into retirement 
plans.

                                 ______
                                 
      Prepared Statement of Elizabeth Milito, Executive Director, 
    Small Business Legal Center, National Federation of Independent 
                                Business
    Chairman Wyden, Ranking Member Crapo, and members of the Senate 
Committee on Finance, on behalf of the National Federation of 
Independent Business (NFIB), I appreciate the opportunity to submit for 
the record this testimony for the Senate Committee on Finance hearing 
entitled, ``Exploring Paid Leave: Policy, Practice, and Impact on the 
Workforce.''

    My name is Elizabeth Milito, and I serve as the executive director 
of the NFIB Small Business Legal Center. The NFIB Small Business Legal 
Center is a nonprofit, public interest law firm established to provide 
legal resources and be the voice for small businesses in the Nation's 
courts through representation on issues of public interest affecting 
small businesses.

    NFIB is the Nation's leading small business advocacy organization, 
advocating on behalf of nearly 300,000 small business owner members in 
Washington, DC and all 50 State capitals. NFIB's mission is to promote 
and protect the right of our members to own, operate, and grow their 
businesses. NFIB proudly represents small businesses nationwide from 
every industry and sector.

    NFIB members define our neighborhoods and fill our communities with 
character. They create local jobs and homegrown economic opportunities 
for small business owners and their employees alike. NFIB members are 
your local hardware store, the restaurant your family eats at on 
Friday, the neighborhood florist and barber, the mechanic who fixes 
your car, and the plumber, roofer, and landscaper who work on your 
home.

    Small businesses employ nearly half the country's private-sector 
workforce.\1\ When small businesses succeed, communities flourish. A 
strong, vibrant small business economy supports local tax bases, 
governments, and schools. It is estimated that 68 cents of every dollar 
spent at a local small business is reinvested into the community.\2\ 
Small businesses are vital to our communities.
---------------------------------------------------------------------------
    \1\ Frequently Asked Questions About Small Business 2023, U.S. 
Small Business Administration, Office of Advocacy (March 7, 2023), 
available at https://advocacy.sba.gov/2023/03/07/frequently-asked-
questions-about-small-business-2023/.
    \2\ The Multiplier Effect of Local Businesses, American Independent 
Business Alliance, available at https://www.amiba.net/resources/
multiplier-effect/.

    I describe our membership and the importance small business has on 
our economy to illustrate one of the key points of my testimony and 
what I think often gets lost in the public policy discussions here in 
Washington, DC. There is no such thing as a ``one-size-fits-all'' 
policy that works for every business or every industry. Consider the 
varied types of small businesses you frequent--pizza parlor, auto shop, 
dry cleaner, hair salon--some have employees that are strictly full-
time, others strictly part-time or hourly. Some have a combination of 
both. Perhaps others are seasonal employers. Small businesses face 
complex issues that are unique to them, and when solutions to perceived 
problems are put in place by government, policymakers too often paint 
business with a broad brush and fail to consider the unique structure 
---------------------------------------------------------------------------
of Main Street employers.

    The number of small business owners who struggle to fill positions 
is at a historically high level.\3\ Small businesses are increasing 
compensation and benefits. They are providing flexibility so employees 
can pick their kids up from daycare or go to a doctor's appointment. 
However, many small business owners are staunchly opposed to one-size-
fits-all inflexible and costly mandates from Washington. Just as we 
know from past decisions the best political intentions do not always 
play out as desired. Therefore, we must also examine the likely 
consequences to small employers from new government mandates.
---------------------------------------------------------------------------
    \3\ NFIB Research Center, Small Business Economic Trends Survey 
(NFIB September SBET Survey) (October 10, 2023), https://www.nfib.com/
content/press-release/economy/small-business-optimism-dips-in-
september-as-inflation-remains-top-problem/.

    NFIB has long opposed inflexible or mandated leave requirements for 
a variety of reasons. But today, I would like to focus on three 
concerns of NFIB and its members: (1) leave mandates impede 
flexibility, which is the key to making small businesses the 
``employers of choice'' in our communities; (2) leave mandates impose 
inordinate complexity and costs on small businesses; and (3) leave 
mandates lead to death by a thousand mandates.
  1. small businesses and employee benefits: flexibility makes small 
       businesses the ``employers of choice'' in our communities
        Providing paid family leave can have several benefits for 
        businesses, including increased employee morale, loyalty, and 
        retention, as well as improved recruitment efforts. However, 
        ultimately, each business must weigh the costs and benefits of 
        offering paid family leave and make their decision based on 
        their unique circumstances and not though legislative decree. 
        Please do not take away what's left of the flexibility we have 
        to accommodate our workers' needs. We hope that you will look 
        to reduce the burden on running our business rather than adding 
        payroll tax increases to our already rising operational costs 
        and administrative and compliance burdens. Please consider the 
        struggle that small businesses have been through in the last 3 
        years before putting another expensive and time-consuming 
        mandate on us. --NFIB Member--Brattleboro, VT

    Often the public and media link the term ``employers of choice'' 
with big corporations that offer Cadillac employee benefit programs and 
have seemingly endless resources to throw around, but the reality is 
that creating good jobs doesn't have to be that complex or challenging. 
Small businesses have demonstrated time and again that being an 
``employer of choice'' means becoming an employer that potential and 
existing employees want to work for. Small businesses do this by 
offering competitive compensation and investing in employees and their 
communities.

    Unfortunately, however, mandated leave proposals often envision a 
one-size-fits-all mandate that would handicap businesses' ability to 
attract workers at a critical time. Across the Nation, small business 
owners are seeing a growth in sales but are stunted by not having 
enough workers. Finding qualified employees remains the biggest 
challenge for small businesses and is slowing economic growth. Owners 
are raising compensation and offering bonuses and benefits to attract 
the right employees.

    The NFIB Research Center showed the Small Business Optimism Index 
(https://www.nfib.com/surveys/small-business-economic-trends/) 
decreased half a point in September to 90.8.\4\ September's reading 
marks the 21st consecutive month below the 49-year average of 98.\5\ 
Business owners remain pessimistic about future business conditions, 
which has contributed to the low optimism they have regarding the 
economy. Forty-three percent of owners reported job openings that were 
hard to fill, up 3 points from August and remaining historically high 
as owners can't hire enough workers due to few qualified applicants. 
Finding qualified workers is the number-one-cited problem for small 
business owners, surpassing all other issues including inflation.\6\
---------------------------------------------------------------------------
    \4\ NFIB Research Center, Small Business Economic Trends Survey 
(NFIB September SBET Survey) (October 10, 2023), https://www.nfib.com/
content/press-release/economy/small-business-optimism-dips-in-
september-as-inflation-remains-top-problem/.
    \5\ Id.
    \6\ Id.

    One of the primary ways in which small businesses attract and 
retain talented workers is by providing innovative benefits like 
flexible leave policies, designed specifically to fit the needs of 
their employees and their businesses. The majority of small business 
owners already include paid leave in their compensation packages. 
According to an NFIB national small business poll, a majority of small 
business owners indicated that they already provide flexible leave. 
Most small employers (73 percent) offer paid time off (PTO) to the 
majority of their full-time employees, and 67 percent of them offer 2 
weeks or more of leave.\7\ The number of days offered is dependent on 
an employee's length of service in 76 percent of small businesses 
offering the benefit.\8\
---------------------------------------------------------------------------
    \7\ NFIB National Small Business Poll, Employee Compensation and 
Small Business (2016), available at http://www.411sbfacts.com/files/
NFIB_SBP_Emp-Compensation2017_v2.pdf.
    \8\ Id.

    Most small business owners work hard to ensure compliance with 
employment and labor laws in a workplace that treats employees fairly, 
pays decent wages, and provides good benefits, but their informal and 
unstructured nature and more limited financial resources require 
greater flexibility in creating policies and solutions. Indeed, small 
businesses are leaders in flexible working arrangements, a key benefit 
---------------------------------------------------------------------------
for many of their employees.

    Studies have shown that small businesses are more likely to allow 
employees to change starting and quitting times, work some regular paid 
hours at home occasionally, have control over when to take breaks, 
return to work gradually after childbirth or adoption, and take time 
off. during the workday to attend to caregiving or other family or 
personal needs without loss of pay.\9\ Flexible work arrangements like 
these directly correlate with increased employee satisfaction.\10\
---------------------------------------------------------------------------
    \9\ Workplace Flexibility: Information and Options for Small 
Business, U.S. Department of Labor Women's Bureau (2015), available at 
https://www.dol.gov/wb/WorkplaceFlexibility_508
_FINAL.pdf.
    \10\ Workplace Flexibility Survey--Strategic Use of Flexible Work 
Arrangements, Society for Human Resource Management (2014), available 
at https://www.shrm.org/hr-today/trends-andforecasting/research-and-
surveys/pages/2014-workplace-flexibility-survey-strategic-use-of-
flexiblework-arrangements-(fwas).aspx.

    In summary, expanding leave mandates has two results that impact 
flexibility in the workplace. Mandating one-size-fits-all policies 
forces small business owners to eliminate unique programs that benefit 
their businesses, their customers, their employees, and ultimately 
their communities. In addition, leave mandates increase costs for small 
businesses, which almost always limits the flexibility of small 
businesses to provide benefits that many employees already enjoy.
 2. small businesses and mandated leave: the complexity of compliance 
              and unforeseen, unintended, and hidden costs
        As a small business, we have always strived to offer the best 
        benefits that we can for our employees, which include 5 paid 
        holidays, and up to 10 vacation days, not to mention health 
        insurance, a SIMPLE IRA plan, etc. With the current economic 
        climate, it is difficult to offer competitive wages and 
        benefits and still keep the business profitable. Adding another 
        mandated benefit will just make that even more difficult, not 
        to mention the time it will take to track the proposed PTO 
        which is different than our current system. We are already 
        extremely flexible with our employees and have given a lot of 
        grace through the pandemic and the many challenges that it has 
        created. --NFIB Member--Decatur, IL

    Small businesses depend on predictability to stay competitive. 
Mandated leave policies, however, further complicate compliance with 
workforce laws for employers and raise costs on businesses. Mandated 
leave is not a free benefit for employees; mandated leave comes with a 
cost that businesses will have to shoulder and will eventually be 
absorbed by the employer, employees, and customers. In a small business 
with a finite number of resources, this translates into less money 
available for wage increases, health insurance and other benefits, and 
hiring additional employees.

    Small businesses, which are the backbone of our economy, are 
especially vulnerable to the impact of labor mandates. Small firms 
typically have few administrative staff members and little human 
resources experience or regular access to legal counsel. Only about 12 
percent of small businesses have a human resources (HR) professional or 
dedicated employee who handles personnel matters.\11\ In most small 
businesses, HR matters are handled by the business owner or an employee 
who handles back office and administrative tasks. This means that the 
recordkeeping and reporting requirements mandated by leave proposals 
will fall more times than not on the business owner. About 50 percent 
do payroll in-house.\12\ Adding a Federal leave mandate to existing 
State and local labor and employment law requirements would complicate 
an already difficult legal and regulatory environment for small 
businesses and would expose these businesses to legal challenges.
---------------------------------------------------------------------------
    \11\ NFIB Research Center, NFIB National Small Business Poll 
Business Structure (2004), available at http://www.411sbfacts.com/
files/bizstructurepoll[1].pdf.
    \12\ NFIB National Small Business Poll Tax Complexity and the IRS 
(2017), available at NFIB: The Voice of Small Business--National Small 
Business Poll (411sbfacts.com).

    Additionally, whether an employer is subject to a paid leave 
mandate or subject to an unpaid leave mandate, leave laws generally 
impose onerous recordkeeping requirements with which small businesses 
would need to comply, including new leave tracking, notification, 
documentation, and reporting requirements. Records would need to be 
---------------------------------------------------------------------------
maintained to demonstrate compliance.

    When the Family and Medical Leave Act was passed, the Senate 
debated small business exemptions from such burdensome mandates.\13\ 
The Senate ultimately agreed on an exemption for small businesses with 
fewer than 50 employees. The Senate wisely understood that it would be 
more difficult for small business owners to comply with this new 
mandate and would potentially be more disruptive to the operations of 
small firms.
---------------------------------------------------------------------------
    \13\ S. Amdt. 1 to S. 5--103rd Congress (1993-1994) | Congress.gov 
| Library of Congress.

    As we have observed, the best way to increase employee compensation 
is through economic growth where employers must boost compensation to 
retain and attract employees. Congress must focus on policies that 
strengthen the economy and reject mandates that increase red tape and 
costs for small businesses.
                    3. death by a thousand mandates
        I am a small business with 3 employees. I would like to have a 
        4th employee but because of the high taxes I already pay, I 
        cannot afford to. I could easily afford a 4th employee with the 
        taxes I pay now. Instituting . . . paid leave and the tax to 
        pay for it would really hurt my business--maybe even having to 
        go down to 2 employees. That would make it harder for me and I 
        would probably consider dissolving my business. --NFIB Member--
        Little Falls, MN

    Efforts to expand labor mandates never stop. For small business 
owners, it's nearly impossible to keep up with the unprecedented number 
of changes in the past few years.\14\ A federally mandated leave 
program will further complicate the patchwork quilt of labor laws that 
are problematic and confusing for employers and create unintended 
consequences for workers, businesses, and for the economic environment.
---------------------------------------------------------------------------
    \14\ National Conference on State Legislatures, Paid Sick Leave 
(July 21, 2020), available at https://www.ncsl.org/labor-and-
employment/paid-sick-leave.

    Understanding and complying with the complexity of a new mandate is 
expensive, both in terms of time and money. According to the Small 
Business Administration, workplace compliance costs small businesses 36 
percent more per employee than it costs large businesses.\15\
---------------------------------------------------------------------------
    \15\ The Impact of Regulatory Costs on Small Firms, SBA Office of 
Advocacy (2010), available at https://www.sba.gov/sites/default/files/
The%20Impact%20of%20Regulatory%20Costs%20on
%20Sm.

    Additionally, any new mandates would fall on businesses during an 
unprecedented surge of regulatory costs and burdens imposed by the 
current administration. In a little over 2\1/2\ years in office, this 
administration's regulatory agenda has saddled businesses with more 
than $436 billion in new final rule costs and more than 220 million 
paperwork hours.\16\ If there ever was a time for Congress to not 
increase mandates and red tape for small businesses, that time is now.
---------------------------------------------------------------------------
    \16\ Dan Goldbeck, Billion-dollar Week Trend Continues Apace: 
October 10-13, American Action Forum (October 16, 2023), https://
www.americanactionforum.org/week-in-regulation/billion-dollar-week-
trend-continues-apace-october-10-13/.

    Federally mandated leave would add another benefit to the growing 
list of expenses that employers must absorb. In recent years, leave 
laws have passed in a dozen States.\17\ Some of these State initiatives 
were funded via payroll deductions, only to later be modified to be 
strictly employer funded. Many enacted paid leave mandates additionally 
incorporate private right of action language, which opens small 
employers up to an increased threat of litigation.
---------------------------------------------------------------------------
    \17\ National Conference on State Legislatures, Paid Sick Leave 
(July 21, 2020), available at https://www.ncsl.org/labor-and-
employment/paid-sick-leave.

    A federally mandated leave program will put small businesses at a 
competitive disadvantage in attracting and retaining employees. In 
today's economic environment, not only are employers competing to 
attract workers, but the competition amongst States for employers and 
jobs is fierce. Businesses in States with mandated leave programs will 
not fare well.
                               conclusion
    Small business owners understand the changing dynamics in the 
workplace--they are grandparents, parents, and caregivers, too--and 
they want to do all they can to attract and retain the best employees. 
But when it comes to benefits, flexibility is key for small businesses. 
Mandated leave laws represent a significant challenge for small 
business owners since flexibility is critical for a small business, and 
mandated leave laws are generally anything but flexible, simple to 
comply with, and affordable.

    Small business owners can and do offer support to employees in 
their lives away from work, whether it's for their own care or to care 
for a parent, child, or other family member, but they must have 
flexibility in creating a policy that works for both the employees and 
the business.

    On behalf of all the small-business owners of the NFIB, thank you 
for focusing on this important issue and inviting me to appear before 
the committee.

                                 ______
                                 
         Questions Submitted for the Record to Elizabeth Milito
                 Questions Submitted by Hon. Todd Young
    Question. I have long been supportive of finding opportunities for 
the Federal Government to partner with States and employers in 
providing greater flexibility for working parents. One of the very 
important aspects of this conversation is looking specifically at how 
small businesses are impacted by the current paid family leave system.

    What are some of the barriers that small businesses often face in 
offering paid family leave?

    Answer. Small businesses are particularly hard-hit by the current 
economic conditions. The number of small business owners who struggle 
to fill positions is at a historically high level, and leave proposals 
often envision a one-size-fits-all mandate that would handicap 
businesses' ability to attract workers at this critical time. One of 
the primary ways that small businesses attract employees--along with 
increasing compensation and benefits--is to offer flexible leave 
policies. However, mandates are expensive and inflexible; they would 
prevent businesses from being able to offer more flexible leave. Add in 
the cost of compliance--which is significantly higher for small 
businesses--and the challenge of keeping up with an ever-increasing set 
of regulatory requirements, and it becomes clear that mandatory paid 
family leave would be a massive burden on small business owners. Until 
economic conditions improve, and the existing regulatory burden 
lessens, business owners are unable to provide paid family leave.

    Question. In your view, how can Congress work to help address some 
of these barriers?

    Answer. The best way that Congress can address these barriers is by 
strengthening the economy and avoiding further regulations on small 
business--especially a one-size-fits-all paid leave mandate that would 
treat small businesses the same as large companies. Congress should 
keep in mind that 50 percent of small businesses do payroll in-house 
\1\ and most do not have HR departments to shoulder the burden of 
compliance. Instead, small businesses should be able to retain 
flexibility in creating policies that work for both them and their 
employees.
---------------------------------------------------------------------------
    \1\ NFIB National Small Business Poll Tax Complexity and the IRS 
(2017), available at NFIB: The Voice of Small Business--National Small 
Business Poll (411sbfacts.com).

               Questions Submitted by Hon. Chuck Grassley
    Question. As chairman of the Finance Committee, I convened a 
bipartisan working group to study the issue of paid leave to try and 
find a bipartisan consensus on what the Federal Government's role 
should be. It's been several decades since we've updated Federal family 
leave laws. It's important to have bipartisan discussions about 
existing private and public paid family leave benefits and identify 
gaps in coverage to ensure working families have the flexibility to 
care for their loved ones.

    We know that many employers currently offer paid leave benefits. We 
should consider potential avenues to encourage more employers to begin 
offering paid leave options to workers as well as how to sustain these 
benefits in the long term.

    Can you share your thoughts on how to incentivize employers of 
different sizes to provide paid leave options to employees for the 
first time and for the long term?

    Answer. Small businesses want to provide the best compensation and 
benefits for their employees. However, instituting more regulations in 
tough economic times will have the complete opposite effect. Instead of 
growing their businesses, employing more workers, and offering more 
benefits, businesses will be forced to shrink their work force and cut 
benefits. Rather than increasing the regulatory burden on small 
businesses, Congress ought to reduce this burden. Congress must focus 
on policies that strengthen the economy and reject mandates that 
increase red tape and costs for small businesses. This will incentivize 
small businesses to continue improving employee benefits.

    Question. During my annual county meetings, I hear from businesses 
in every industry about labor shortages and finding qualified workers 
to fill open positions. How do we ensure businesses have the 
flexibility to offer the pay and benefits that fit their budgets and 
help attract and retain workers?

    Answer. Finding qualified workers is the number one cited problem 
for small business owners, surpassing all other issues, including 
inflation.\2\ The solution lies in affording small businesses the 
ability to choose their own policies. Employer-
designed leave policies allow employees the day-to-day flexibility to 
pick their kids up from daycare or go to a doctor's appointment. 
However, if small businesses are forced to provide paid family leave, 
they will not be able to afford the flexible leave policies that bring 
in new employees. Congress should ensure that businesses can design and 
implement the policies that are most attractive to workers rather than 
having to conform to an unaffordable paid family leave mandate.
---------------------------------------------------------------------------
    \2\ NFIB Research Center, Small Business Economic Trends Survey 
(NFIB September SBET Survey) (October 10, 2023), https://www.nfib.com/
content/press-release/economy/small-business-optimism-dips-in-
september-as-inflation-remains-top-problem/.

                                 ______
                                 
                 Prepared Statement of Ben Verhoeven, 
                    President, Peoria Gardens, Inc.
    Good morning, Chairman Wyden, Ranking Member Crapo, and members of 
the Senate Committee on Finance.

    Hello there. I'm Ben Verhoeven. I'm a second-generation farmer and 
nursery owner. I run a family-owned greenhouse in rural Albany, OR. I'm 
proud to say my 26 year-round and 24 seasonal employees receive great 
benefits which, in the big picture, don't cost me much, but mean a lot 
to everyone, and they're good for business. My workers can get paid 
family leave, which covers parental leave, medical leave and leave to 
care for a loved one. In addition to paid family leave my workers can 
get health care, paid vacation, paid sick time and a pension.

    Many industry groups claim that policies like ours will hurt 
business. That's just not true.

    Paid family leave costs me less per year than truck repairs, and 
has a much greater effect on the lives of the people I work with.

    Our farm began offering 12 weeks of full pay parental leave in 
2016. We have since worked to help pass paid family leave for all 
Oregonians. Together, we can expand these benefits to all Americans.

    Before my workers had paid family leave they told me stories of 
draining their retirement savings to care for a dying brother. This is 
now a thing of the past. I know a mother who no longer must rely on 
donated sick time to plan for a second child. I have seen a young man, 
raised by a single mother, grow into a strong and loving father of two. 
These are real stories from my workers, made possible by paid family 
leave.

    In Oregon, under our State's new Paid Leave Oregon program, my farm 
can now provide paid family leave with my workers.

    Opponents of paid leave will tell you that only workers benefit. 
Therefore, all the financial costs should fall on workers' shoulders. 
This is not true. As an independent business owner I benefit when my 
employees do not have to choose between their loved ones and a 
paycheck. As a farmer I benefit when my workers have a stable home 
life, which begets a stable work life.

    Since offering paid parental leave in 2016 we have seen a return on 
our investment as valuable employees, including many fathers, return to 
work and future promotions. This helps my business prosper and grow.

    As a business owner I also benefit from stronger, healthier, more 
resilient markets. Lessening the financial hardship of an illness, a 
birth, or a family crisis leaves more savings in people's pockets, 
savings that they can put towards homes and gardens.

    As any farmer will tell you, we are subject to the forces of Mother 
Nature. A crop failure affects our business in the same way a sudden 
illness affects a family. This is why I feel strongly that coverage 
should be expanded to include all businesses and workers. Life events 
like birth, illness and ailing parents happen to all of us, regardless 
of the size of company we work for.

    I would also add that as a farmer and a small business owner, 
national paid family leave is a good bargain. I cannot afford 
comprehensive paid family leave on my own, which is why a program like 
the one we have in Oregon, is the best way forward. Our State's program 
costs businesses like mine less than offering stand-alone plans, and I 
know that my workers are also contributing.

    As a small business owner, I am the HR department. Our State 
program has been much easier to set up than the private insurance 
options, also allowed under the new Oregon law, that we explored. 
Working with our State has been as simple as a software update to our 
payroll, and a pre-printed poster in the breakroom. Oregon's program 
manages the process, confirms a worker qualifies, and of course pays 
for the leave itself out of the fund. This is a real service, both for 
me and for my workers.

    A comprehensive and permanent paid family leave program is good for 
workers, benefits employers, and secures our economy for generations. 
It's the right thing to do for business. It's the right thing to do for 
workers.

    Thank you.

                                 ______
                                 
          Questions Submitted for the Record to Ben Verhoeven
                Question Submitted by Hon. Maggie Hassan
    Question. According to a recent poll by the Bipartisan Policy 
Center, 72 percent of adults ages 20-54 who are not in the labor force 
say that personal health or family caregiving are their main reasons 
for not working. Guaranteed, job-protected paid leave helps attract 
people to the workforce and reduces turnover, which also saves 
businesses time and money. However, many employers struggle to provide 
paid leave to their employees--especially small businesses. This leaves 
most working people in the United States without employer-provided paid 
family leave, including nearly three-quarters of Granite Staters.

    What benefits to your company do you expect to come from Oregon's 
newly established comprehensive, guaranteed paid leave program?

    Answer. Our experience offering paid parental leave since 2016 has 
been one of improved retention, opportunities for promotion, and 
business growth. Now, thanks to our comprehensive government paid leave 
program, our company can afford to expand benefits to include paid 
medical, caregiving, and safe leave. We expect to see better retention 
not just from new parents, but now the majority of our workforce.

    Because workers will be more likely to stay at their jobs for 
longer when they have the benefit of paid leave, business owners like 
myself will save on hiring and training new employees. Oregon's new 
program will also help level the playing field for small businesses, as 
it will allow them to offer the same benefits as their larger 
competitors. Stronger small businesses and better quality jobs are key 
to economic resilience.

    The kind of events that are covered by comprehensive paid leave are 
infrequent, but important in people's lives. The poll you cite aligns 
with my experience as a small business owner. When push comes to shove, 
people will take the time to care for themselves or a loved one. The 
question is do we leave them draining their retirement and unmoored 
from employment or do we support them on a path to return to work? A 
comprehensive and permanent paid leave program is an affordable way to 
retain valuable employees who can return to work from stable homes and 
build stability in the workplace. A more stable workplace allows me to 
focus on growing my business.

                                 ______
                                 
               Question Submitted by Hon. Maria Cantwell
    Question. Paid family and medical leave programs help businesses 
manage their employees, medical leave needs, and levels the playing 
field for employers of all sizes. I cosponsored the proposed Healthy 
Families Act because it would allow workers in businesses with 15 or 
more employees to earn up to 7 paid sick days each year. This would 
help workers meet their health needs and caregiving responsibilities 
without jeopardizing their employment.

    However, while many small employers want to provide paid leave 
benefits, they often struggle to do so on their own. Washington State 
was the first State to offer small business grants to help offset the 
costs of implementing a paid leave program.

    As a small business owner, can you expand on how Oregon's paid 
leave program has helped both your business and employees? How could 
the paid leave system be improved to better support you and your 
workers?

    Answer. Thank you for working to provide paid sick leave to 
workers.

    At our farm we are proud that we began offering 12 weeks of full 
pay parental leave beginning in 2016. However, I cannot afford 
comprehensive paid family and medical leave on my own. In Oregon, our 
government-run program now gives me a very affordable way to expand the 
benefits that I can offer to my workers. These include not just 
parental leave, but also paid medical leave, paid caregiving leave and 
paid safe leave. It still costs me less than truck repairs. To be 
exact, it costs me four-tenths of one one-hundredth of my payroll, a 
fraction of a fraction. This is a small price to pay for such an 
important benefit. Additionally, I know that my workers are also 
contributing. By sharing the cost, everyone benefits.

    Most workers, when forced to choose between their loved ones and a 
paycheck, will choose their loved ones. At the same time, most workers 
cannot financially cover that gap. That leaves people in financial 
hardship while at the same time disconnecting them from the workforce. 
When someone leaves the workforce it means businesses like mine must 
pay the high cost of hiring and training new employees. Oregon's paid 
family leave program keeps folks in the workforce and helps me retain 
valuable employees.

    Some opponents of government-run paid leave have claimed that 
employers are best suited to make the decision if a worker qualifies 
for leave. This is not true. As a small business owner, I am the HR 
department. Our government-run program has been as simple to work with 
as a software update to our payroll and a preprinted poster in the 
break room. Not only has it been simple to set up, it takes a 
significant HR burden off my plate. I do not want to be the gatekeeper 
for these benefits. I am a farmer. I do not have the time or the 
expertise to develop my own program rules for paid leave criteria. 
Neither do I have the time or the expertise to evaluate each request. 
Thanks to our State program, I know the government manages the process, 
confirms if a worker qualifies, and of course pays for the leave itself 
out of the fund. That is a real service, both for me and for my 
employees.

    As for how a paid leave system could be improved in our State, I 
would suggest doing away with options to provide leave through private 
insurance. This is currently allowed in Oregon, but the private 
insurance options we looked into had significantly higher HR 
requirements for our business, both in setup and ongoing maintenance. 
They also create a confusing patchwork of benefits. In Oregon the State 
program has seen Oregon workers submit leave requests only to be 
informed that their employer opted out of the government program. The 
worker then needs to ask their employer for guidance on how to apply 
elsewhere. Ultimately in this scenario the worker's benefits are 
delayed and the business that chose to opt out has further HR strain. 
Anything that can be done to avoid this kind of confusion is good for 
workers and good for business.

    A government program like we have in Oregon allows businesses and 
farms like mine a simple and affordable way to provide comprehensive 
paid family and medical leave to workers. We will continue to see 
improved retention of valuable employees. Our workers will continue to 
have stability in the home, which begets stability in the workplace. A 
comprehensive and permanent paid family leave program is the right 
thing to do for business and the right thing to do for workers.
                 Prepared Statement of Hon. Ron Wyden, 
                       a U.S. Senator From Oregon
    The Finance Committee meets this morning to talk about a pressing 
issue--paid leave.

    Why are we holding this hearing? Because low- and middle-income 
workers are falling through the cracks--people like construction 
workers, nurses, or cashiers who are trying to juggle work obligations 
with families who need them.

    The American people understand this and know what is needed to make 
sure everyone has a chance to get ahead. According to poll after poll, 
over 70 percent of Americans want national paid leave. They know that 
too often, without it, workers are forced to make the impossible choice 
of a paycheck or caring for a loved one in need.

    Paid leave is so crucial for American workers that a recent poll 
from the Bipartisan Policy Center showed that paid family and medical 
leave benefits are just as important as pay when considering starting 
or returning to work. Americans want to work. They want to pay their 
bills and provide for their families. But life can intervene, and 
sometimes family has to come first. In fact, that same Bipartisan 
Policy Center poll shows that 72 percent of Americans who are not 
currently working say that it's because of a personal health or family 
caregiving situation. Congress talks lots about America's worker 
shortage crisis. This is an opportunity to do something about it.

    In a nation as powerful and prosperous as ours, somehow the United 
States is the only developed nation in the world without a national 
paid leave program. Today, only one in four workers in America have 
access to paid leave. Progress has been made. Fourteen States and the 
District of Columbia now have comprehensive paid leave laws on the 
books, but major gaps still remain.

    It doesn't have to be this way, and it shouldn't be this way. 
America has an opportunity to better support America's workers--and 
better support America's economy. We just need to roll up our sleeves 
and do what my mother always said--take out our sharpest pencils--and 
get to work on paid leave.

    And because Oregon is a small business State, I'm happy that today 
the Finance Committee will have the opportunity to hear from Ben 
Verhoeven, who owns a small family farm in Albany, OR. If you are 
looking for a community that encapsulates taking out a sharp pencil and 
making things work, look no further than Albany.

    Colleagues, today you will hear Mr. Verhoeven say that providing 
paid leave has helped him hang onto incredible employees and helped his 
business to grow and thrive. He will also tell us how new government 
programs back home have made providing paid leave to his employees easy 
and affordable. In the Finance Committee, let's work together to make 
sure all small businesses across America can do what Mr. Verhoeven has 
done. When small businesses thrive, our economy thrives.

    I'm looking up and down the dais and have heard members on both 
sides talk about how America needs to successfully compete against 
China. Well, if you want to compete, we've got to be in a position to 
have people go to work. Guaranteed paid leave is a missing piece of the 
puzzle.

    When you're competing against China, every dollar counts. The 
National Partnership for Women and Families estimates overall that our 
economy is missing out on $650 billion in economic activity by not 
providing paid leave and other caregiving supports to women. If we are 
going to out-compete China, we need to put policies in place that 
leverage our economy at all levels.

    Our country is strong enough and good enough to make paid leave 
happen for all Americans, so let's get out our sharpest pencils.

                                 ______
                                 

                             Communications

                              ----------                              


                            A Better Balance

                     250 W. 55th Street, 17th Floor

                           New York, NY 10019

                           tel: 212-430-5982

                           abetterbalance.org

   Statement Submitted by Sherry Leiwant, Co-President and Co-Founder

A Better Balance (ABB), is a legal advocacy organization whose mission 
is to fight for policies that protect American workers from having to 
choose between caring for themselves and their families and maintaining 
their economic security. We have helped draft and pass paid family and 
medical leave (PFML) laws in states around the country and have 
assisted in the implementation of those laws. There are now 14 laws 
that guarantee PFML benefits to almost all workers in those states. Our 
chart outlining these laws can be found here: https://
www.abetterbalance.org/resources/paid-family-leave-laws-chart/.

ABB runs a free and confidential legal helpline to assist workers in 
balancing work, health, and family. Through that helpline we hear from 
thousands of workers about their real-life problems in states where 
PFML is not available and about how important this benefit is to 
workers in states that do have such programs. From our experience in 
the states and from our callers, we know that there are certain key 
elements that must be included for a strong paid family and medical 
leave program. The federal program should learn from the experience of 
the states and craft a federal law along the same lines as these 
successful state programs.\1\
---------------------------------------------------------------------------
    \1\ For more detailed information on state paid family and medical 
leave laws, please see our comparative chart at https://
www.abetterbalance.org/resources/paid-family-leave-laws-chart/.

I. State PFML programs have been extremely successful in supporting 
families.
Some statements at the hearing by those opposed to a strong PFML 
program sought to characterize state programs as having multiple 
problems. Those statements are unfounded. State programs have been 
successful with strong administration, strong uptake and strong 
positive impact on families. Specifically:

Those eligible have been able to access state PFML programs and it has 
made a difference in their lives. The newest state PFML laws are 
already showing significant success meeting the needs of workers who 
experience a serious illness (personal or family) or welcome a new 
child. State birthrate data shows that PFML laws are helping to reach 
those who need leave to bond with a new child, which is the second 
highest use of leave after a worker's own serious illness. A comparison 
of state birthrates to bonding claims shows that PFML laws have 
extremely strong utilization by new parents (with the number of annual 
applications to bond with a new child in WA, NY, and MA representing 
approximately 50-82% of the total number of annual births in the 
respective state). See attached analysis from A Better Balance.

In addition, through our national legal helpline, we have heard 
directly from callers who have used their state programs and for whom 
those programs have been a lifeline. One worker, KeiLani, from Diamond, 
Washington called in February 2023 when she fell ill with a condition 
her doctors could not diagnose, and found herself frequently in and out 
of the emergency room. KeiLani was able to take Washington PFML while 
she sought a diagnosis. She ultimately learned that she was pre-
diabetic and had an auto-immune disorder. ``Having Paid Family Leave 
allowed me to keep a roof over my head, bills in good standing and 
helped me pay for the medical attention and medications I was 
needing,'' KeiLani told us.

``Paid Family Leave not only assisted me financially, but it granted me 
the time I needed to undergo the series of appointments, tests and even 
procedures I was required to complete. Without Paid Family Leave, I 
don't know where I would have been, especially since I've spent over 
$5,000 dollars in medical expenses this year alone and that does not 
include my medications. When you factor that unexpected expense in, no 
one is prepared to be able to cover that when they're in my current 
situation. I hope that my testimony attests why Paid Family Leave is 
important for not only people like me, but for others who may face this 
situation in the future.'' Emilie, who works for a software company in 
Washington State, called us because she will be undergoing chemotherapy 
for 6+ months as part of her cancer treatment. She has been approved to 
use Washington PFML intermittently while she undergoes treatment. 
Emilie contacted ABB's helpline for clarification about her rights and 
told us, ``Washington PFML has been extremely important to me because I 
started treatment at 25, living with three roommates, with my fixed 
expenses like rent and car loan there to stay. I can only work part 
time with my chemo schedule, so having my income replaced even at a 
lower rate was life saving.'' Paige, from New York, said, ``After 
speaking with ABB, my nerves were put at ease for what I am entitled to 
while preparing to give birth. Having the short term disability and NY 
PFL benefits is the only way I was able to stay home with my newborn, 
bond and recuperate myself. It greatly lessened the financial stress of 
not working and having a newborn, but also let myself and my husband 
focus on what was important, our new member of our family.''

PFML state programs are benefiting low-wage workers and their families. 
In Washington State, 44% of approved PFML claims from July 1, 2021 to 
June 30, 2022, were by workers making $26/hour or less.\2\ In New York, 
the State Comptroller reported that ``[e]mployees earning less than 
$40,000 per year accounted for the largest number of claims, with the 
number decreasing as income rises, suggesting paid family leave is a 
particularly important benefit to low- to moderate-
income employees.''\3\ For example, Luisa, a low-wage farmworker in 
upstate New York, had this to say about New York's paid family leave 
program: ``I was pregnant and wanted to take paid leave to spend time 
with my new baby. I wasn't sure if I qualified for [NYPFL], and had 
heard from my coworkers that our employer wouldn't provide it. I saw 
that ABB's helpline provides information in Spanish, so I called to 
receive more information. They explained to me the eligibility 
requirements for NYPFL, and shared information that helped me speak 
with my employer about my leave options. I was able to take my full 
twelve weeks of NYPFL and successfully returned to work. I'm grateful 
to have been able to spend time bonding with my baby, and that I didn't 
need to risk my paycheck to do so.''
---------------------------------------------------------------------------
    \2\ See, Washington Paid Family and Medical Leave, 2022 Annual 
Report to the Legislature, at p. 42, https://app.leg.wa.gov/
ReportsToTheLegislature/Home/GetPDF?fileName=paid-family-and-medical-
leave-2022-annual-report-to-legislature_6a68f749-2d7d-4566-bc4f-
6094bcca44d2.
pdf; Washington Paid Family and Medical Leave, 2021 Annual Report to 
the Legislature (https://media.esd.wa.gov/esdwa/Default/ESDWAGOV/
newsroom/Legislative-resources/2021-paid-family-and-medical-leave-
annual-report-to-legislature.pdf); CDC, Vital Statistics Rapid Release, 
Births: Provisional Data for 2021, (https://www.cdc.gov/nchs/data/vsrr/
vsrr020.pdf).
    \3\ Office of the New York State Comptroller, DiNapoli: State's 
Paid Family Leave Program Helping Millions of New Yorkers: Employees 
Earning Under $40k Had Largest Number of Claims, (April 28, 2023), 
https://www.osc.state.ny.us/press/releases/2023/04/dinapoli-states-
paid-family-leave-program-helping-millions-new-
yorkers#::text=An%20analysis%20of%20claims
%20data,%2Dto%20moderate%2Dincome%20employees. CDC, Vital Statistics 
Rapid Release, Births: Provisional Data for 2021, https://www.cdc.gov/
nchs/data/vsrr/vsrr020.pdf.

State PFML programs address the maternal and infant mortality health 
crisis, address racial inequities, cement women's attachment to the 
labor force and help workers navigate the COVID-19 crisis. PFML has 
been documented to provide a critically important safety net for 
workers welcoming a child and those who have a personal or family 
member serious illness. For example: A 2020 journal article showed 
that, ``[i]mplementation of paid family leave policies in California 
was associated with a 12 percent reduction in postneonatal mortality 
after adjusting for maternal and neonatal factors.''\4\ This outcome is 
consistent with a study of 141 countries that--controlling for other 
factors--found that an increase of 10 full-time-equivalent weeks of 
paid maternal leave reduced neonatal and infant mortality rates by 10% 
and the mortality rate of children younger than 5 by 9%.\5\ Conversely, 
a 2021 journal article on paid parental leave access concluded that 
``[i]nequitable access to paid parental leave through both employers 
and government programs exacerbates racial inequities at birth. This 
form of structural racism could be addressed by policies expanding 
access to paid leave.''\6\ Moreover, a recent study found that state 
PFML programs have significantly increased women's attachment to the 
workforce after giving birth: ``The analysis of states that have 
implemented paid leave policies found a 20 percent reduction in the 
number of women leaving their jobs in the first year after welcoming a 
child, and up to a 50 percent reduction after five years.''\7\ AARP has 
detailed the common disruptions in employment for family caregivers, 
leading to short-term and long-term financial struggles, and called for 
PFML as one way to support family caregivers and their attachment to 
the workforce.\8\ PFML can also address unexpected crises. The Urban 
Institute showed that state PFML programs successfully absorbed and 
provided critical support to a surge of workers affected by COVID-
19.\9\ Furthermore, paid leave programs are critical for young workers, 
especially temporary and seasonal workers, foster families, young 
parents, LGTBQ youth, and youth with disabilities.\10\ For more on the 
incredibly robust--and growing--body of research on the health benefits 
of paid family and medical leave to new parents, infants and children, 
family caregivers, and individuals with disabilities, see our fact 
sheet.\11\
---------------------------------------------------------------------------
    \4\ Diana Montoya-Williams et al., The Impact of paid family leave 
in the United States on birth outcomes and mortality in the first year 
of life, 55 Health Services Research 52, 807-814, at 812 (April 5, 
2020), https://onlinelibrary.wiley.com/doi/10.1111/1475-6773.13288.
    \5\ Jody Heymann et al., Creating and Using New Data Sources to 
Analyze the Relationship Between Social Policy and Global Health: The 
Case of Maternal Leave, 126 Public Health Rep. Suppl. 3, 127-134 
(2011), https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3150137/.
    \6\ Julia M. Goodman et al., Racial/Ethnic Inequities in Paid 
Parental Leave Access, 5 Health Equity 1, 738-749 at 738, https://
www.ncbi.nlm.nih.gov/pmc/articles/PMC8665807/pdf/heq.
2021.0001.pdf.
    \7\ March of Dimes Center for Social Science Research, New Study 
Reveals Paid Family Leave Policies Lead to 20% Fewer Women Leaving the 
Workforce, (Jan. 3, 2020), https://www.
marchofdimes.org/about/news/new-study-reveals-paid-family-leave-
policies-lead-to-20-fewer-women-leaving-workforce.
    \8\ Susan C. Reinhard et al., Valuing the Invaluable: 2023 Update, 
Strengthening Supports for Family Caregivers, AARP Public Policy 
Institute, (March 2023), https://www.aarp.org/content/dam/aarp/ppi/
2023/3/valuing-the-invaluable-2023-update.doi.10.26419-
2Fppi.00082.006.pdf.
    \9\ Chantel Boyens, State Paid Family and Medical Leave Programs 
Helped a Surge of Workers Affected by the COVID-19 Pandemic, The Urban 
Institute, (June 2020), https://www.
urban.org/sites/default/files/publication/102325/state-paid-family-and-
medical-leave-programs-helped-a-surge-of-workers-affected-by-the-covid-
19-pandemic.pdf.
    \10\ For a series of fact sheets related to the need for paid 
family and medical leave for young workers, specifically, see List all 
the fact sheets in the series, e.g., https://www.
abetterbalance.org/resources/fact-sheet-importance-of-paid-family-and-
medical-leave-for-young-breastfeeding-lactating-workers/.
    \11\ A Better Balance, The Health Case for Paid Family and Medical 
Leave (Nov. 30, 2021), https://www.abetterbalance.org/resources/the-
health-case-for-paid-family-and-medical-leave.

State PFML programs are good for business and are uniformly popular 
once enacted. In a study of California businesses after PFML was passed 
a vast majority reported a positive or neutral effect on their 
business.\12\ Small business owners in New York and New Jersey report 
similar satisfaction with PFML in their states.\13\ The benefits to 
business are numerous, as PFML allows small businesses especially to 
attract and retain top talent. Small businesses have the most to gain 
from state programs, as they are able to offer benefits they would not 
be able to afford on their own, and these policies are shown to be 
incredibly important to workers when selecting employment, and when 
choosing to stay with an employer.\14\ PFML programs are empirically 
shown to reduce turnover and increase recruitment,\15\ which results in 
major savings for employers, who are spared the cost of replacing 
employees.\16\ Businesses also report increases in employee 
productivity and profitability, with one cross-industry analysis 
finding increases of more than 50% in productivity implementing PFML 
programs.\17\ Fortune 500 companies also report an increase in share 
prices after implementing PFML programs.\18\
---------------------------------------------------------------------------
    \12\ Small Business Majority, California Small Business Owners 
Support Expanding Paid Family Leave Protections, Increasing Paid Sick 
Days (July 12, 2023), https://smallbusinessmajority.org/sites/default/
files/research-reports/ca-small-business-support-paid-family-leave-and-
paid-sick-days.pdf.
    \13\ Ann P. Bartel et al., Support for Paid Family Leave among 
Small Employers Increases during the COVID-19 Pandemic (Dec. 2021), 
Socius: Sociological Research for a Dynamic World, https://
journals.sagepub.com/doi/full/10.1177/23780231211061959.
    \14\ Joan Williams, Unbending Gender: Why Work and Family Conflict 
and What to Do About It (2001).
    \15\ Benjamin Bennett et al., Paid Leave Pays Off: The Effects of 
Paid Family Leave on Firm Performance (Nat'l Bureau of Econ. Rsch., 
Working Paper No. 27788, 2021), https://www.nber.org/system/files/
working_papers/w27788/w27788.pdf.
    \16\ Id.
    \17\ Panorama & Am. Sustainable Business Council, The Business 
Impacts of Paid Leave (2019), https://www.asbcouncil.org/sites/main/
files/file-attachments/panorama_report_-_business_
impacts_of_paid_leave.pdf.
    \18\ Michelle M. Arthur & Alison Cook, Taking Stock of Work-Family 
Initiatives: How Announcements of ``Family-Friendly'' Human Resource 
Decisions Affect Shareholder Value, 57 Industrial & Labor Relations 
Review, 608-10 (2004).

II. Workers without paid family and medical leave are suffering, as are 
---------------------------------------------------------------------------
their families.

Access to paid family and medical leave should not depend on luck or 
location. While KaiLani, Emilie, and Luisa were able to get the pay and 
job protection they needed to care for their loved ones and maintain 
economic security, far too many workers we hear from on our helpline do 
not have that same right. Below are just a few of their stories:

      Brenda Castillo, from Erie, Pennsylvania, was diagnosed with 
cancer this year and has not received a paycheck since August 19th due 
to her undergoing needed treatment. As a result, she has been left with 
no income to pay for her rent, utilities, or other basic needs. When 
she contacted our helpline, we had to inform her that unfortunately her 
state does not guarantee the right to paid medical leave. Brenda told 
us it is ``hard with no funds to live on'' and that there is ``no 
reason'' why someone in her situation should be ``on the verge of 
homelessness.''

      Deanna is a 29-year-old counselor in Grand Rapids, Michigan. 
Earlier this year, Deanna's daughter was born two months prematurely 
and spent the first weeks of her life in the NICU. While Deanna 
qualified for 12 weeks of unpaid, job-protected time off to bond with 
her baby under the federal Family & Medical Leave Act (FMLA), she could 
not afford to actually take that time. Deanna told us, ``Since my child 
spent the majority of my 6 week leave in the NICU, I was not able to 
fully bond with my child. When it was time for her to come home, it was 
not possible financially to stay at home without income due to 
additional hospital expenses.''

      Alexzandria, from Michigan, worked as a studio manager at a 
massage studio in Michigan. After she announced her plans to start a 
family, her boss handed her an agreement to sign indicating that if she 
were ever to take leave for more than two days at a time, her salary 
would be suspended. Alexzandria was very concerned about receiving 
income while recovering from childbirth, as she did not have access to 
short-term disability benefits through her company. She was also 
concerned that there was no guarantee her job would be held while she 
was on maternity leave. She ultimately made the difficult decision to 
resign and accept another job offer after her boss told her that 
maternity benefits ``can't be that important.''

      Nathaniel Cunningham is a public utility worker in the Montrose, 
Colorado area. He is a father of four daughters and recently needed to 
take time off work to care for his wife after a complicated delivery of 
their youngest daughter. Nathaniel exhausted his employer's vacation 
policy to take care of his wife after her emergency c-section. His 
newborn child is currently in the NICU, and Nathaniel's employer told 
him that if he did not return to work, he would be fired. Nathaniel was 
forced to choose between his job and taking care of his family. 
Nathaniel could not afford to lose his job, so he returned to work and 
was unable to take care of his wife. Colorado's Family and Medical 
Leave Insurance program will allow Colorado workers to take paid leave 
to take care of themselves or their family members. Nathaniel would be 
eligible for this law; however, the act does not go into effect until 
January 2024.

      Nicole, from Maryland, was terminated from her retail job on 
December 26, 2021 when she needed to be absent for medical reasons due 
to severe pre-
menopausal bleeding, despite informing her manager of the medical 
problems she was having, and indicating that the absence was for 
medical issues when she called out from work. She was denied FMLA leave 
since she had not yet been working there for a year.

      Samuel \19\ from North Dakota, called and shared his story with 
us: ``I have almost 2 decades of experience working in the truck 
driving industry with a pristine driving record and multiple driving 
safety awards to my name. Last year, I started a new job as a driver 
for a trucking company in North Dakota. With this job, I felt like I'd 
finally found my niche. I loved getting to travel to dairy farms across 
the region where I would often be welcomed with home-cooked meals by 
the farmers and their families after delivering my load. This was truly 
an awesome job, yet I lost it because I chose to be there for my 
elderly father when he was ill and needed me. My father, a Korean War 
veteran, suffered a stroke last summer. At first, I tried to manage 
visiting him in the hospital while continuing to perform my job, but 
his condition was deteriorating, and it eventually got to a point where 
I had to make a decision. I told my employer that I needed to go home 
to say goodbye to my dad. I knew that if he passed away while I was on 
the road, and not there with him, I would regret it for the rest of my 
life. My company informed me that if I left my job to care for my 
father, I would be terminated, but I could `reapply' when I was ready 
to come back. Now that I am able to return to work, my employer is not 
willing to even consider bringing me back because they are so angry 
with me for leaving. I believe everyone should have the right to take 
time off work to be with their loved ones in critical moments, and no 
one should be made out to be a `bad' employee for doing so.''
---------------------------------------------------------------------------
    \19\ Name changed to protect the worker's anonymity.

      Caryn \20\ works in the healthcare industry in Idaho. She 
underwent an invasive major surgery mere months after having a growth 
removed. Initially, Caryn anticipated having only one procedure. She 
and her husband--who care for their five minor children currently 
living at home--made financial plans for it. When it became apparent 
that Caryn needed a second surgery as soon as possible, she felt she 
had no choice but to delay it due to financial reasons, even though she 
was in extreme pain. ``This surgery should've been done 6 months ago 
when I had the original surgery,'' Caryn said, ``but I had to wait to 
accrue more sick leave and PTO to cover this [recovery period].'' 
Still, Caryn will only be paid for the first 2 weeks of what will be a 
5-8 week recovery period. ``This has definitely impacted us 
financially,'' Caryn said, ``I'm going to have medical bills rolling 
in, student loan repayments, mortgage payments, our farm. We will just 
have to make it work, whether that means tightening our budget when it 
comes to groceries, animal care, livestock feed. We're going to have to 
pinch pennies in order to accommodate for it. People shouldn't have to 
choose between their health and well-being or necessary medical 
procedures, and their income. People should never be in that position 
to where they are waiting [to have necessary medical treatment] for 
fear of financial repercussions.''
---------------------------------------------------------------------------
    \20\ Name changed to protect the worker's anonymity.

      Arthur,\21\ from Wisconsin, shared with us: ``I live and work in 
the state of Wisconsin. I have a family of four, and taking care of my 
family is my priority. I have been a dedicated employee at my company, 
where I work as a mechanic, for 13 years. This year, I started feeling 
more ill than I ever had before, and eventually I learned that I had an 
infection which developed into sepsis, and I needed to stay in the 
hospital for nearly a week, plus 2 weeks of recovery time. When I was 
well enough to return to work, my employer informed me that my pay was 
going to be reduced by $100 per week for numerous weeks, as punishment 
for `missing too many hours' . . . This very unfortunate reduction in 
pay came at a time when my family was already struggling financially 
and going through some other very serious hardships.''
---------------------------------------------------------------------------
    \21\ Name changed to protect the worker's anonymity.

      Kathryn Vaughn, from Tennessee, told us: ``I have been blessed 
to serve as a Tennessee elementary teacher for the last seventeen years 
and in the Fall of 2021 my husband, a proud Air Force combat veteran, 
and I welcomed our first child, a son we named Wyn. He was our greatest 
win after a decade of failed infertility treatments and a beautiful 
surprise after relinquishing our dreams of ever becoming parents. What 
should have been the happiest time was soon disrupted because after 
teaching through a pandemic and years using my sick and personal days, 
I was left with just 3 weeks of paid sick leave to spend with my son 
once he was born. . . . I returned to work before my body even had time 
to heal. I dove head first into teaching and working the after-school 
program, only seeing my newborn in the daylight on the weekends. It was 
a struggle, trying to recover, adjust to being a working mother, and 
find breaks to pump and send home breast milk to feed my child. I carry 
a lot of guilt about that time. I was unable to be there for feedings, 
naptimes, doctors' appointments, and tragically missed so many of our 
child's development milestones. . . . Every day we are losing highly 
qualified Tennessee teachers to other states and other professions that 
---------------------------------------------------------------------------
offer paid parental leave.''

These stories typify the struggle millions of workers are facing in 
this country. They also underscore the need for a comprehensive PFML 
program, one that allows workers to address personal medical needs, 
care for an ill loved on, and bond with a new child. Outlined below are 
the components of what comprises a successful and meaningful right to 
PFML.

III. State programs include key policies that any Federal paid leave 
program should also include. See our fact sheet: https://
www.abetterbalance.org/resources/key-components-the-essential-elements-
of-strong-paid-family-and-medical-leave-law/.

All workers should be covered, with achievable and equitable 
eligibility standards. First and foremost, universal coverage is a key 
principle for a national paid leave system. All American workers 
deserve access to the paid family and medical leave they need. 
Requirements of attachment to the workforce should mirror state 
programs for PFML, which generally require a minimum amount of total 
earnings across a base period.\22\ These state requirements allow 
workers to combine income from multiple employers. Any worker meeting 
those requirements should be eligible to receive benefits. Carveouts 
based on employer size or type make no sense in a program like this, 
which should be a basic benefit for all workers.
---------------------------------------------------------------------------
    \22\ 28 R.I. Gen. Laws Ann. Sec. 28-41-11(b) (West 2019); Cal. 
Unemp. Ins. Code Sec. Sec. 3302(n), 2652 (West 2019); N.J. Stat. Ann. 
Sec. 43:21-27(i)(4), -41(d) (West 2019); Mass. Gen. Laws Ann. ch. 175M, 
Sec. 1 (West 2019); id. at ch. 151 A, Sec. 24; S.B. 1, 2019 Gen. 
Assemb., Reg. Sess. Sec. 1(4) (Conn. 2019); H.B. 2005, 80th Legis. 
Assemb., Reg. Sess. Sec. 2(11) (Or. 2019). In some states, these 
earnings must be spread out over a certain period of time within the 
four-quarter base period. 28 R.I. Gen. Laws Ann. Sec. 28-41-11(b)(1) 
(West 2019); N.J. Stat. Ann. Sec. 43:21-27(i)(4), -41(d) (West 2019); 
Mass. Gen. Laws Ann. ch. 175M, Sec. 1 (West 2019); id. at ch. 151 A, 
Sec. 24. Washington, uniquely, uses a minimum number of hours worked 
(from any combination of employers) over a similar four-quarter base 
period, reflecting the state's distinctive unemployment insurance 
eligibility standard. Wash. Rev. Code Ann. Sec. 50A.30.020(1) (West 
2020). New York uses a non-
earnings based system. See N.Y. Workers' Comp. Law Sec. 203 (McKinney 
2019). Washington, DC has no minimum workforce attachment standard for 
paid leave benefits, but those who have been employed in the District 
for less than a year receive a pro-rated benefit. D.C. Code Ann. 
Sec. 32-541.01(3)-(6) (West 2020).

Workers need a decent wage replacement in order to be able to take time 
off, especially workers at the bottom of the economic spectrum. The 
wage replacement rate (the percentage of their own income workers 
receive while on leave) is an important element of a PFML law: if the 
rate is too low, workers will not be able to afford to take the leave 
they need. This problem is especially acute for low-income workers 
living paycheck to paycheck, who need every dollar of their income to 
pay their bills. Though low-income workers are the most vulnerable, 
workers of any income level can find themselves unable to afford to 
take leave if the wage replacement rate is too low. In a major 
California study, workers across income levels reported that the 55% 
wage replacement level made it difficult to afford to use the program, 
potentially contributing to low rates of use.\23\ For this reason, 
California amended their statute to raise the wage replacement rate, 
especially for low-wage workers. Congress can learn from the experience 
of existing programs and create a benefit level that works for workers. 
Most state PFML laws provide a progressive wage replacement rate.\24\ 
Typically, this means that the program replaces a higher percentage of 
income up to a threshold amount, then replaces a lower percentage of 
income above that amount. This creates a sliding scale of income 
replacement. For example, the PFML program in Washington State provides 
90% of workers' wages up to 50% of the state average weekly wage 
(currently, approximately $627.50) and provides 50% of workers' wages 
above that amount,\25\ with benefits capped at $1,000 per week, to be 
adjusted in subsequent years.\26\ Washington, D.C.; Massachusetts; 
Connecticut; and Oregon will all use progressive wage replacement 
systems following this model, though their exact bend points and rates 
of replacement vary.\27\ California already provides progressive wage 
replacement benefits.\28\
---------------------------------------------------------------------------
    \23\ Andrew Chang & Co, supra note 40, at 70.
    \24\ Cal. Unemp. Ins. Code Sec. Sec. 3301(b), 2655(e) (West 2019); 
D.C. Code Ann. Sec. 32-541.04(g)(1)-(2) (West 2020); Wash. Rev. Code 
Ann. Sec. 50A.15.020(4) (West 2020); Mass. Gen. Laws Ann. ch. 175M, 
Sec. 3(b) (West 2019); S.B. 1, 2019 Gen. Assemb., Reg. Sess. 
Sec. 3(c)(2) (Conn. 2019); H.B. 2005, 80th Legis. Assemb., Reg. Sess. 
Sec. 7 (Or. 2019).
    \25\ Wash. Rev. Code Ann. Sec. 50A.15.020(4) (West 2020).
    \26\ Wash. Rev. Code Ann. Sec. 50A.15.020(5)(a) (West 2020).
    \27\ D.C. Code Ann. Sec. 32-541.04(g)(1)-(2) (West 2020) (provides 
90% of a worker's average weekly wage up to an amount equal to 40 times 
150% of the D.C. minimum wage and 50% of a worker's average weekly wage 
above an amount equal to 40 times 150% of the D.C. minimum wage); Mass. 
Gen. Laws Ann. ch. 175M, Sec. 3(b) (West 2019) (provides 80% of a 
worker's average weekly wage up to an amount equal to 50% of the 
statewide average weekly wage and 50% of a worker's average weekly wage 
above an amount equal to 50% of the statewide average weekly wage); 
S.B. 1, 2019 Gen. Assemb., Reg. Sess. Sec. 3(c)(2) (Conn. 2019) 
(provides 95% of a worker's average weekly wage up to an amount equal 
to 40 times the state minimum wage and 60% of a worker's average weekly 
wage above an amount equal to 40 times the state minimum wage); H.B. 
2005, 80th Legis. Assemb., Reg. Sess. Sec. 7 (Or. 2019) (provides 100% 
of a worker's average weekly wage up to an amount equal to 65% of the 
statewide average weekly wage and 50% of a worker's average weekly wage 
above an amount equal to 65% of the statewide average weekly wage).
    \28\ California uses a system that creates three tiers of wage 
replacement. The first tier applies to workers who earn less than a 
fixed amount set in statute (approximately $71.46 per week); workers in 
this tier receive $50 per week. The second tier applies to workers who 
earn at least as much as a fixed amount set in statute (approximately 
$71.46 per week) but less than approximately 33% of the state average 
weekly wage (for 2019, this works out to approximately $414.26 per 
week); workers in this tier receive 70% of their total average weekly 
wage. The third tier applies to workers who earn at least approximately 
33% of the state average weekly wage (for 2019, this works out to 
approximately $414.26 per week); workers in this tier receive either 
approximately 60% of the worker's total average weekly wage or an 
amount equal to 23.3% of the state average weekly wage (for 2019, this 
works out to approximately $289.57), whichever is greater. See Cal. 
Unemp. Ins. Code Sec. Sec. 3301(b), 2655(e) (West 2019).

Job protection is critical to the ability of a worker to take this 
benefit. A strong PFML law protects the jobs of workers taking leave by 
ensuring they have the right to return to work following their leave. 
Job protection for all employees covered by the program is an essential 
element--without it, although it is a money benefit, it's not leave. 
This is especially important for low-income workers, who will often 
have less job security than other workers, because they change jobs 
more often than other workers \29\ and are more likely to be working 
part time \30\ (including many part-time workers who would prefer to be 
working full time).\31\ States are leading the way in providing paid 
leave with job protection. Massachusetts provides job protection to all 
employees covered by its paid family and medical leave law.\32\ 
Connecticut and Oregon provide job protection to workers who have been 
employed for approximately three months.\33\ New York and Rhode Island 
provide job protection to all employees covered by their paid family 
leave laws.\34\ Colorado, Minnesota and Maine will also provide job 
protection when their programs go into effect.\35\ The need for job 
protection for workers in a PFML program cannot be overstated. The need 
for such leave occurs at some of the most stressful times in a person's 
life: the arrival of a new child, a health crisis in the family, or a 
looming deployment. At these times, workers shouldn't have to worry 
whether they will have a job to return to after their leave. Without a 
legal right to get their job back, many workers will be unwilling to 
risk their livelihood by taking the leave they need, as the risk to 
their long-term economic security will be too great. In one California 
study, fear of being fired was a commonly cited reason workers who were 
eligible for paid family leave under that state's program did not take 
it.\36\ In Rhode Island, 45% of workers who took leave under their 
state's paid family leave law (which provides job protection) said that 
without the law they would not have taken leave for fear of losing 
their job.\37\ Job protection keeps workers attached to the workforce. 
When workers are unable to take short-term leave and then return to 
their job, they are often pushed out of the workforce altogether. One 
study estimated that men who leave the labor force early due to caring 
for an aging parent lose almost $90,000 in wages, while women who do so 
lose over $140,000 in wages.\38\ Women who take paid leave after having 
a baby are more likely to be working 9 to 12 months after the birth 
than women who take no leave.\39\ And keeping workers on the job saves 
taxpayers money. Both men and women who return to work after taking 
paid leave are much less likely to be receiving public assistance or 
food stamps in the year following their child's birth than those who 
return to work without taking family leave.\40\ A strong PFML law would 
also ensure that all workers are protected against retaliation for 
using their rights under the law. This protection is especially 
important in light of the rise of punitive absence control policies, 
where workers are assigned points for each absence and subject to 
punishment when they receive too many points.\41\ States are also 
leading the way in prohibiting retaliation. For example, 
Massachusetts's paid family and medical leave law offers particularly 
robust protections against retaliation. The law includes a rebuttable 
presumption that any adverse action taken within six months of the 
exercise of a protected right was retaliatory.\42\ Similarly, as part 
of a set of recent amendments to expand and improve their paid family 
and medical leave law, New Jersey added new strong anti-retaliation 
protections.\43\ In addition, a strong PFML program also should ensure 
that workers won't lose their health insurance coverage while they are 
on leave. Massachusetts and Oregon guarantee continuation of health 
insurance coverage as long as they have been employed by their employer 
for at least 90 days prior to taking leave.\44\ New York and Rhode 
Island guarantee continuation of coverage to all workers taking paid 
family leave.\45\
---------------------------------------------------------------------------
    \29\ Jacquelyn Anderson et al., A New Approach to Low-Wage Workers 
and Employers, MDRC 5 (Mar. 2006), https://www.mdrc.org/sites/default/
files/full_9.pdf.
    \30\ Pamela Loprest et al., Who Are Low-Wage Workers?, U.S. Dep't 
Health & Hum. Servs. (Feb. 2009), https://aspe.hhs.gov/system/files/
pdf/180021/rb.pdf.
    \31\ Lonnie Golden, Still Falling Short on Hours and Pay: Part-time 
Work Becoming New Normal, Econ. Policy Inst. (Dec. 5, 2016), http://
www.epi.org/publication/still-falling-short-on-hours-and-pay-part-time-
work-becoming-new-normal/.
    \32\ Mass. Gen. Laws Ann. ch. 175M, Sec. 2(e) (West 2019).
    \33\ Oregon will provide job protection to all covered workers who 
have been employed with their current employer for at least 90 days. 
H.B. 2005, 80th Leg. Assemb., Reg. Sess. Sec. 10(1), (7) (Or. 2019). 
Connecticut made substantial amendments to its existing state unpaid 
leave law as part of the same bill that created its paid leave program. 
The amended unpaid leave law provides job protection to nearly all 
private sector employees in the state who have been employed with their 
employer for at least three months. Workers receiving benefits for 
domestic violence-related purposes do not have job protection under 
that law, although they may have employment protection under 
Connecticut's family violence leave law. Conn. Gen. Stat. Ann. Sec. 31-
51nn(a) (West 2019).
    \34\ N.Y. Workers' Comp. Law Sec. 203-b (McKinney 2019); 28 R.I. 
Gen. Laws Ann. Sec. 28-41-35(f) (West 2019).
    \35\ Colo. Rev. Stat. Sec. 8-13.3-509; Minn. Stat. 268B.09 (2023); 
1 M.R.S. Sec. 850-J (2023).
    \36\ Appelbaum & Milkman, supra note 33.
    \37\ Barb Silver, Helen Mederer, & Emilija Djurdjevic, Rhode 
Island's Temporary Caregiver Insurance Program: Findings from the First 
Year (2015).
    \38\ MetLife Mature Mkt. Inst., The Metlife Study of Caregiving 
Costs to Working Caregivers (2011), https://www.caregiving.org/wp-
content/uploads/2011/06/mmi-caregiving-costs-working-caregivers.pdf.
    \39\ Houser & Vartanian, supra note 8.
    \40\ Cal. Senate Office of Research, California's Paid Family Leave 
Program: Ten Years After the Program's Implementation, Who Has 
Benefited and What Has Been Learned? 6 (July 1, 2014), http://
sor.senate.ca.gov/sites/sor.senate.ca.gov/files/
Paid_Family_Leave_FINAL_A1b.
pdf; Andrew Chang & Co., Paid Family Leave Market Research, Cal. Emp. 
Dev. Dep't 86 (July 13, 2015), https://www.edd.ca.gov/Disability/pdf/
Paid_Family_Leave_Market_Research_Report
_2015.pdf.
    \41\ See A Better Balance, Pointing Out: How Walmart Unlawfully 
Punishes Workers for Medical Absences (June 2017), https://
www.abetterbalance.org/wp-content/uploads/2017/05/Pointing-Out-Walmart-
Report-FINAL.pdf (explaining that Walmart, the world's largest private 
employer, has used point-based absence control policies).
    \42\ Mass. Gen. Laws Ann. ch. 175M, Sec. 9(c) (West 2019).
    \43\ N.J. Stat. Ann. Sec. 43:21-55.2 (West 2019).
    \44\ Mass. Gen. Laws Ann. ch. 175M, Sec. 2(f) (West 2019); H.B. 
2005, 80th Legis. Assemb., Reg. Sess. Sec. 10(2), (7) (Or. 2019).
    \45\ N.Y. Workers' Comp. Law Sec. 203-c (McKinney 2019); 28 R.I. 
Gen. Laws Ann. Sec. 28-41-35(g) (West 2019).

A strong paid family and medical leave bill reflects and protects the 
diversity of today's American families. Families today take many forms: 
they are multi-generational, blended,\46\ LGBTQ,\47\ and increasingly 
include close loved ones who aren't biologically or legally 
related.\48\ To work for all American families, a strong paid leave law 
would include a broad family definition that specifically covers 
spouses, domestic partners, children (regardless of age), parents, 
parents of a spouse or domestic partner, grandchildren, grandparents, 
siblings, nieces and nephews, aunts and uncles, and any other 
individual related by blood or affinity whose close association with 
the worker is the equivalent of a family relationship. Nationwide 
trends regarding family structures show that broad family coverage is 
imperative for strong paid leave laws. Today, adults ages 18 to 44 are 
more likely to have lived with an unmarried significant other than to 
have ever been married,\49\ and as of 2016, the rising number of 
cohabiting adults in the U.S. reached about 18 million.\50\ Thus, 
coverage of domestic partners and significant others is critical to 
many workers in long-term, committed relationships. In addition to 
caring for spouses, children, and parents, workers often provide care 
to--or rely on care from--other biological, legal, and extended 
relatives with whom they share a close relationship. Since 1980, for 
example, the number of Americans living in multi-generational 
households has doubled to 57 million.\51\ Given the prevalence of 
multi-generational households across the country, it is extremely 
important that any paid family and medical leave program cover 
grandparents and grandchildren. Furthermore, children of all ages 
should be covered because adult children with a serious illness are no 
less in need of care from their parents than any other adult to whom 
the worker is related; and older children, especially those who have 
not formed a family, will still rely on their parents for care in the 
face of a serious illness. Nationwide, 82% of children under the age of 
18 live with at least one sibling, and as a long-lasting family 
relationship, many siblings look to their sisters or brothers as the 
first person to whom they would turn for care in the event of a serious 
illness.\52\ This is often true for people with disabilities; as more 
people with disabilities outlive their parents, an increasing number of 
individuals are receiving primary care from siblings and extended 
family.\53\ When an individual is sick or has a medical emergency, they 
often rely on individuals they live with--even absent a blood or legal 
relationship--for help and caregiving. While relationships with such 
close loved ones are important to many workers, a 2016 national survey 
showed that they are even more significant for LGBTQ people and people 
with disabilities.\54\ An inclusive family definition is also important 
to members of the armed forces because many of those injured or ill as 
a result of their military service rely on friends or neighbors for 
care, particularly true for those who were ill or injured as a result 
of their service after September 11, 2001, as those service members are 
nearly twice as likely as their civilian counterparts to rely on care 
from friends and neighbors.\55\
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    \46\ According to the U.S. Census Bureau, 16% of children live in 
``blended families,'' or households with a stepparent, stepsibling, or 
half-sibling. Parenting in America: Outlook, Worries, Aspiration Are 
Strongly Linked to Financial Situation, Pew Research Center 19 (2015), 
https://www.pewresearch.org/wp-content/uploads/sites/3/2015/12/2015-12-
17_parenting-in-america_FINAL.pdf.
    \47\ It is estimated that 4.5% of Americans, or over 11 million 
people, self-identify as lesbian, gay, bisexual, or transgender. Frank 
Newport, In U.S., Estimate of LGBT Population Rises to 4.5%, Gallup 
(May 22, 2018), https://news.gallup.com/poll/234863/estimate-lgbt-
population-rises.aspx. Additionally, estimates show that between 2 
million and 2.7 million minor children have an LGBTQ parent. Gary J. 
Gates, Marriage and Family: LGBT Individuals and Same-Sex Couples, 
Future Child., Fall 2015, at 67, 72.
    \48\ Nearly 33 million households in the United States, or 28% of 
all households, consist of an individual who lives alone, and in an 
emergency or during an illness, many of these individuals rely on care 
from close loved ones. See Selected Social Characteristics in the 
United States, 2013-2017 American Community Survey 5-Year Estimates, 
U.S. Census Bureau, https://factfinder.
census.gov/faces/tableservices/jsf/pages/
productview.xhtml?pid=ACS_14_5YR_DP02&prodType
=table%20c%20(last%20accessed%20September%202018 (last visited Jan. 30, 
2020). Additionally, in a 2016 national survey, 32% of people in the 
U.S. reported that they took time off work to provide care for a chosen 
family member. Katherine Gallagher Robbins et al., People Need Paid 
Leave Policies That Cover Chosen Family, Center for American Progress 2 
(2017), https://cdn.americanprogress.org/content/uploads/2017/10/
26135206/UnmetCaregivingNeed-brief.pdf.
    \49\ ``[T]he share of adults ages 18 to 44 who have ever lived with 
an unmarried partner (59%) has surpassed the share who has ever been 
married (50%). . . .'' Juliana Menasce Horowitz et al., Marriage and 
Cohabitation in the U.S., Pew Research Center (Nov. 6, 2019), https://
www.pewsocialtrends.org/2019/11/06/marriage-and-cohabitation-in-the-u-
s/.
    \50\ Renee Stepler, Number of U.S. Adults Cohabiting with a Partner 
Continues to Rise, Especially Among Those 50 and Older, Pew Research 
Center (Apr. 6, 2017), https://www.
pewresearch.org/fact-tank/2017/04/06/number-of-u-s-adults-cohabiting-
with-a-partner-continues-to-rise-especially-among-those-50-and-older/.
    \51\ Richard Fry & Jeffrey S. Passel, In Post-Recession Era, Young 
Adults Drive Continuing Rise in Multi-generational Living, Pew Research 
Center (July 17, 2014), https://www.
pewsocialtrends.org/2014/07/17/in-post-recession-era-young-adults-
drive-continuing-rise-in-multi-generational-living/#fn-19695-1. Multi-
generational households are particularly prevalent in communities of 
color; approximately 25% of Latinx and Black Americans, and 27% of 
Asian Americans live in a multi-generational household. Id.
    \52\ Rachel Dunifon et al., Siblings and Children's Time Use in the 
United States, 37 Demographic Res. 1611, 1612 (2017).
    \53\ As more people with disabilities outlive their parents, an 
increasing number of adult siblings have taken on primary caregiving 
responsibilities. Rajan A. Sonik et al., Sibling Caregivers of People 
With Intellectual and Developmental Disabilities: Sociodemographic 
Characteristics and Material Hardship Prevalence, 54 Intell. & 
Developmental Disabilities 332 (2016). Over 50% of sibling caregivers 
report having an annual income of less than $25,000, making paid leave 
crucial. John Reagan et al., Research Brief: Sibling Caregivers 
Experience Less Choice and Control, Family Support Research and 
Training Center at the University of Illinois at Chicago (2016), 
https://fsrtc.ahslabs.uic.edu/wp-content/uploads/sites/9/2016/11/FSRTC-
Data-Brief_1
_2016-3-3.pdf.
    \54\ 42% of LGBT individuals and people with disabilities reported 
``taking time off to care for chosen family,'' compared with 31% of 
non-LGBT people and 30% of people without disabilities. Gallagher 
Robbins et al., supra note 3, at 3. Family networks are particularly 
important to older LGBTQ adults who are especially likely to rely on 
those loved ones. MetLife Mature Mkt. Inst. & Am. Soc'y of Aging, Still 
Out, Still Aging: The MetLife Study of Lesbian, Gay, Bisexual, and 
Transgender Baby Boomers 15-17 (Mar. 2010), https://www.asaging.org/
sites/default/files/files/mmi-still-out-still-aging.pdf.
    \55\ Rajeev Ramchand et al., Hidden Heroes: America's Military 
Caregivers, RAND Corp. 34 (2014), https://www.rand.org/pubs/
research_reports/RR499.html (explaining that nearly a quarter of 
caregivers for post-9/11 military care recipients are friends or 
neighbors, while nearly 13% of caregivers for civilian care recipients 
are friends or neighbors).

States with paid family and medical leave laws understand the 
demographics of working families and have led the way with inclusive 
family definitions. All paid family leave jurisdictions cover at least 
workers' parents, spouses, children, grandparents, and parents-in-
law.\56\ Additionally, in all jurisdictions the definition of ``child'' 
includes adult children,\57\ and in eight of nine states with paid 
family and medical leave, domestic partners are explicitly covered.\58\ 
California, Massachusetts, New Jersey, Washington, D.C., Washington 
State, Connecticut, and Oregon also cover workers' siblings.\59\ 
California, Massachusetts, New Jersey, New York, Washington State, 
Connecticut, and Oregon also cover workers' grandchildren.\60\ In New 
Jersey, Connecticut, and Oregon workers can also take leave to care for 
other loved ones--whether biologically or legally related or not--to 
whom the worker has a close association that is the equivalent of a 
family relationship, though their exact definitions slightly differ. 
This definition includes close relationships with biological or legally 
related family members (such as aunts, uncles, nieces, and nephews), as 
well as close loved ones with whom the worker lacks a biological or 
legal relationship (such as a significant other or a best friend who is 
like a sibling).\61\ When they take effect, the new programs enacted in 
Colorado, Minnesota, and Maine will also all have inclusive definitions 
of family that will protect most members of workers' extended and 
chosen families.\62\ The federal government also has a successful track 
record of providing essential protections for the varied forms of 
working families--the expanded definitions of family used in PFML laws 
around the country borrow from a federal definition of family that 
includes workers' spouses, domestic partners, adult and minor children, 
parents, grandparents, grandchildren, siblings, and those whose close 
association with the employee is the equivalent of a family 
relationship and those definitions have been used since 1969.\63\
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    \56\ Nine states have passed paid family and medical leave laws 
with inclusive family definitions that can be found at: Rhode Island 
(28 R.I. Gen. Laws Ann. Sec. 28-41-34 (West 2019)); California (Cal. 
Unemp. Ins. Code Sec. 3302(f) (West 2019)); New Jersey (N.J. Stat. Ann. 
Sec. 43:21-27(n) (West 2019)); New York (N.Y. Workers' Comp. Law 
Sec. 201(20) (McKinney 2019)); Washington, D.C. (D.C. Code Ann. 
Sec. 32-541.01(7) (West 2020)); Washington State (Wash. Rev. Code Ann. 
Sec. 50A.05.010(10) (West 2020)); Massachusetts (Mass. Gen. Laws Ann. 
ch. 175M, Sec. 1 (West 2019)); Connecticut (S.B. 1, 2019 Gen. Assemb. 
(Conn. 2019). The law is only partially codified. The full text of the 
law can be found at https://www.cga.ct.gov/2019/lcoamd/pdf/
2019LCO09302-R00-AMD.pdf.); Oregon (H.B. 2005, 80th Legis. Assemb., 
Reg. Sess. (Or. 2019). The full text of the law can be found at https:/
/olis.leg.state.or.us/liz/2019R1/Downloads/MeasureDocument/HB2005/
Enrolled).
    \57\ 28 R.I. Gen. Laws Ann. Sec. 28-41-34(1) (West 2019); Cal. 
Unemp. Ins. Code Sec. 3302(c); N.J. Stat. Ann. Sec. 43:21-27(k) (West 
2019); N.Y. Workers' Comp. Law Sec. 201(16) (McKinney 2019); D.C. Code 
Ann. Sec. 32-541.01(7)(A) (West 2020); Wash. Rev. Code Ann. 
Sec. 50A.05.010(1) (West 2020); Mass. Gen. Laws Ann. ch. 175M, Sec. 1 
(West 2019); 458 Mass. Code Regs. 2.02 (2019); S.B. 1, 2019 Gen. 
Assemb. Sec. 17(6), (15) (Conn. 2019); H.B. 2005, 80th Legis. Assemb., 
Reg. Sess. Sec. 2(18)(b), (6) (Or. 2019).
    \58\ While Rhode Island, California, New Jersey, Washington, D.C., 
Washington State, and Oregon require that domestic partners be 
registered, New York and Massachusetts both have flexible domestic 
partner definitions that do not require legal registration. 28 R.I. 
Gen. Laws Ann. Sec. 28-41-34(6) (West 2019); Cal. Unemp. Ins. Code 
Sec. 3302(d) (West 2019); N.J. Stat. Ann. Sec. 43:21-27(l) (West 2019); 
D.C. Code Ann. Sec. 32-541.01(7)(C) (West 2020); Wash. Rev. Code Ann. 
Sec. 50A.05.010(22) (West 2020); H.B. 2005, 80th Legis. Assemb., Reg. 
Sess. Sec. 2(18)(g), (9) (Or. 2019); N.Y. Workers' Comp. Law 
Sec. 201(17) (McKinney 2019); Mass. Gen. Laws Ann. ch. 175M, Sec. 1 
(West 2019); 458 Mass. Code Regs. 2.02 (2019).
    \59\ Cal. Unemp. Ins. Code Sec. 3302(f) (West 2019); Mass. Gen. 
Laws Ann. ch. 175M, Sec. 1 (West 2019); N.J. Stat. Ann. Sec. 43:21-
27(n) (West 2019); D.C. Code Ann. Sec. 32-541.01(7)(E) (West 2020); 
Wash. Rev. Code Ann. Sec. 50A.05.010(10) (West 2020); S.B. 1, 2019 Gen. 
Assemb. Sec. 17(6) (Conn. 2019); H.B. 2005, 80th Legis. Assemb., Reg. 
Sess. Sec. 2(18)(d) (Or. 2019).
    \60\ Cal. Unemp. Ins. Code Sec. 3302(f) (West 2019); Mass. Gen. 
Laws Ann. ch. 175M, Sec. 1 (West 2019); N.J. Stat. Ann. Sec. 43:21-
27(n) (West 2019); N.Y. Workers' Comp. Law Sec. 201(20) (McKinney 
2019); Wash. Rev. Code Ann. Sec. 50A.05.010(10) (West 2020); S.B. 1, 
2019 Gen. Assemb. Sec. 17(6) (Conn. 2019); H.B. 2005, 80th Legis. 
Assemb., Reg. Sess. Sec. 2(18)(f) (Or. 2019).
    \61\ N.J. Stat. Ann. Sec. 43:21-27(n) (West 2019) (`` `Family 
member' means . . . any other individual that the employee shows to 
have a close association with the employee which is the equivalent of a 
family relationship.''); S.B. 1, 2019 Gen. Assemb. Sec. 17(6) (Conn. 
2019) (`` `Family member' means . . . an individual related to the 
employee by blood or affinity whose close association the employee 
shows to be the equivalent of those family relationships.''); H.B. 
2005, 80th Legis. Assemb., Reg. Sess. Sec. 2(18)(h) (Or. 2019) (`` 
`Family member' means . . . [a]ny individual related by blood or 
affinity whose close association with a covered individual is the 
equivalent of a family relationship'').
    \62\ Colo. Rev. Stat. Sec. 8-13.3-503(11); Minn. Stat. 268B.01(23) 
(2023); 1 M.R.S. Sec. 850-A(19) (2023).
    \63\ The relevant language covers ``any individual related by blood 
or affinity whose close association with the employee is the equivalent 
of a family relationship.'' Absence and Leave: Funeral Leave, 34 Fed. 
Reg. 13,655 (Aug. 26, 1969) (codified at 5 C.F.R. pt. 630) (first 
implemented during the Vietnam War, allowing federal workers to take 
funeral leave for the combat-related deaths of loved ones); Absence and 
Leave; Voluntary Leave Transfer Program, 54 Fed. Reg. 4749 (Jan. 31, 
1989) (codified at 5 C.F.R. pt. 630); Absence and Leave; Sick Leave, 59 
Fed. Reg. 62,266 (Dec. 2, 1994) (codified at 5 C.F.R. pt. 630).

Thank you for your consideration and your attention to this important 
issue. We welcome the opportunity to continue working with you to pass 
the strong, comprehensive paid family and medical leave law America's 
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working families need.

                                 ______
                                 
                        A Better Balance et al.

                      815 16th St., NW, Suite 4162

                          Washington, DC 20005

                             Submitted by:

                    Alliance for Safety and Justice 
          1624 Franklin Street, 11th Floor, Oakland, CA 94612

                        Clayton Early Learning 
                 3801 M.L.K. Jr. Blvd, Denver, CO 80205

                Crime Survivors for Safety and Justice 
          1624 Franklin Street, 11th Floor, Oakland, CA 94612

                         Family Values @ Work 
          207 E Buffalo Street, Suite 501, Milwaukee, WI 53202

                       Futures Without Violence 
      1101 Connecticut Ave., NW, Suite 1050, Washington, DC 20036

                           Legal Aid at Work 
         180 Montgomery St., Ste. 600, San Francisco, CA 94104

     Legal Momentum, The Women's Legal Defense and Education Fund 
              32 Broadway, Suite 1801, New York, NY 10004

                The National Domestic Violence Hotline 
                     PO Box 90249, Austin, TX 78709

               National Network to End Domestic Violence 
      1325 Massachusetts Ave., NW, 7th floor, Washington, DC 20005

The signed organizations commend the Senate Committee on Finance for 
holding the hearing titled, Exploring Paid Leave: Policy, Practice, and 
Impact on the Workforce. Paid leave is necessary for survivors of 
violence, just as it is for all workers. However, survivors of violence 
have additional, critical needs. As the Committee explores paid leave, 
we urge you to include paid safe leave to take time away from work to 
seek services or safety for workers who are, or whose family members 
are, victims of domestic violence, dating violence, sexual assault, 
stalking, trafficking, or other forms of gender-based violence and/or 
harassment.

Millions of workers experience domestic violence, sexual assault, 
trafficking, stalking, sexual harassment, and other forms of violence 
every day.\1\ Millions more are supporting family members, grieving the 
loss of a loved one, or seeking healing and safety due to violence.\2\ 
In 2016, nearly half of all women, and four out of ten men reported 
experiencing domestic violence in their lifetime.\3\ Across the 
country, Americans experience rape, trafficking, gun violence or other 
forms of violent victimization, at a rate of 23.5 victimizations per 
1,000 persons age 12 or older.\4\ This violence impacts every 
workplace, every industry and nearly every American family.
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    \1\ Logan, T.K., Lisa Shannon, Jennifer Cole, and Jennifer 
Swanberg. ``Partner Stalking and Implications for Women's Employment.'' 
Journal of Interpersonal Violence 22, no. 3 (March 1, 2007): 268-91. 
https://doi.org/10.1177/0886260506295380.
    \2\ See Schumacher, Shannon, Marley Presiado, Isabelle Valdes, and 
2023. ``Americans' Experiences With Gun-Related Violence, Injuries, and 
Deaths.'' KFF (blog). Accessed September 14, 2023. https://www.kff.org/
other/poll-finding/americans-experiences-with-gun-related-violence-
injuries-and-deaths/.
    \3\ Kathleen C. Basile, Ashley S. D'Inverno, and Jing Wang, 
``National Prevalence of Sexual Violence by a Workplace-Related 
Perpetrator,'' American Journal of Preventive Medicine 58, no. 2 
(February 2020): 216-23, https://doi.org/10.1016/j.amepre.2019.09.011; 
K.C. Basile et al., ``The National Intimate Partner and Sexual Violence 
Survey: 2016/2017 Report on Sexual Violence,'' Atlanta, GA: National 
Center for Injury Prevention and Control, Centers for Disease Control 
and Prevention, 2022.
    \4\ See Thompson, Alexandra. ``Criminal Victimization, 2022.'' NCJ 
307089. Washington (DC): Bureau of Justice Statistics, 2022. https://
bjs.ojp.gov/document/cv22.pdf.
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Definition of Safe Leave

``Safe leave'' generally refers to paid time away from work that a 
worker may use to address impacts of abuse and the needs that a worker 
may need to address because of domestic violence, dating violence, 
sexual assault, stalking, trafficking, other forms of gender-based 
violence or harassment, or other forms of violent victimization. As 
survivors of violence navigate their lives, they sometimes need time 
off of work to keep themselves and their families safe and secure.

Survivors might need to take time away from work for a wide variety of 
reasons connected to the violence they have experienced.\5\ For 
example, survivors may need time for legal proceedings to seek safety 
for themselves and their families, such as to get a restraining order, 
file for separation/divorce and child custody, or participate in 
criminal proceedings. They may also need to seek supportive services, 
enroll their children in a new school, find child care, or move to a 
new home for safety reasons. Survivors may have needs related to their 
physical or mental health which are not fully addressed by other kinds 
of leave. In many cases, these needs may be extremely urgent or only 
possible to address during working hours. Violence often co-occurs 
alongside other needs, such as medical conditions, meaning that 
existing laws do not offer survivors sufficient time to heal.\6\
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    \5\ See Swanberg, Jennifer E., Mamta U. Ojha, and Caroline Macke. 
``State Employment Protection Statutes for Victims of Domestic 
Violence: Public Policy's Response to Domestic Violence as an 
Employment Matter.'' Journal of Interpersonal Violence 27, no. 3 
(February 1, 2012): 587-619. https://doi.org/10.1177/0886260511421668.
    \6\ See William, Jananie, Bronwyn Loong, Dana Hanna, Bonny 
Parkinson, and Deborah Loxton. ``Lifetime Health Costs of Intimate 
Partner Violence: A Prospective Longitudinal Cohort Study with Linked 
Data for out-of-Hospital and Pharmaceutical Costs.'' Economic Modeling 
116 (November 1, 2022): 106013. https://doi.org/10.1016/
j.econmod.2022.106013.

In addition, people close to survivors may need to leave to support 
their loved ones, providing critically needed, and often unscheduled, 
assistance. A close friend might accompany a sexual assault survivor to 
obtain emergency health care \7\ or assist with moving to a safer home. 
A family member may be called to provide a victim impact statement in a 
legal proceeding or to care for a survivor's children while the 
survivor is getting needed assistance. In tragic cases where a victim 
is killed in a violent act, a loved one reeling from unexpected violent 
loss may need time to make funeral arrangements and grieve, and take 
other safety-related measures where there is an ongoing threat.
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    \7\ See Alliance for Safety and Justice. ``Crime Survivors Speak: 
National Survey of Victims' Views on Safety and Justice.'' Crime 
Survivors Speak. Alliance for Safety and Justice, September 2022. 
https://allianceforsafetyandjustice.org/wp-content/uploads/2022/09/
Alliance-for-Safety-and-Justice-Crime-Survivors-Speak-September-
2022.pdf.
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Current Access to Safe Leave

Unfortunately, many Americans do not have access to any paid time off 
from work, let alone paid safe time or paid sick time, even to recover 
from violence. As of March 2023, 78 percent of all private sector 
workers had access to paid sick leave--in other words, more than one in 
five workers are excluded.\8\ Among part-time workers, half had no paid 
sick leave. Among the lowest-paid ten percent of private sector 
workers, more than 60 percent had no access to paid sick leave.\9\ Low-
income and part-time workers are also disproportionately likely to lack 
access to paid vacation time or other sources of paid time off, meaning 
that many vulnerable workers may have no paid time off at all. 
Moreover, even where workers have access to paid sick leave or other 
forms of paid time off, they may not be able to use it to address all 
their needs in relation to violence, particularly for non-medical 
needs.
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    \8\ Bureau of Labor Statistics. ``Table 6. Selected Paid Leave 
Benefits: Access--2023 A01 Results.'' Accessed September 26, 2023. 
https://www.bls.gov/news.release/ebs2.t06.htm.
    \9\ Bureau of Labor Statistics. ``Table 6. Selected Paid Leave 
Benefits: Access--2023 A01 Results.'' Accessed September 26, 2023. 
https://www.bls.gov/news.release/ebs2.t06.htm.

A growing number of workers have access to job-guaranteed safe time, 
but most do not have the full range of protections they need. At the 
federal level, Executive Order 1370634, issued by President Obama, 
ensures the right to paid sick and safe leave for many employees of 
federal contractors.\10\ However, no federal law guarantees the right 
to paid safe leave for any other employees.
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    \10\ See U.S. Department of Labor. ``Executive Order 13706, 
Establishing Paid Sick Leave for Federal Contractors.'' Accessed 
January 24, 2023. https://www.dol.gov/agencies/whd/government-
contracts/sick-leave.

Eighteen states and the District of Columbia guarantee a right to paid 
time away from work that can be used for safe leave purposes. Fifteen 
states and the District of Columbia provide explicit paid safe leave 
protections under their state paid sick time laws, though exact 
coverage varies by state.\11\ These laws guarantee covered employees 
the right to earn and use paid time off based on how much they work, 
typically up to around 40 hours per year.\12\ In addition, Maine, 
Nevada, and most recently Illinois have passed laws allowing covered 
employees to earn and use a limited amount of paid time off for any 
purpose, which can include safe leave needs.\13\ For more extended 
needs, five states provide or will provide paid safe leave protections 
for some survivors through their state paid family and medical leave 
laws, which provide benefits for up to several weeks through social 
insurance systems.\14\ One state, Maine, will provide safe leave for 
survivors of a broader range of violence through their new paid family 
and medical leave law.\15\ Note that all six of these states also have 
paid sick time or paid time off laws, such that workers in those states 
have additional important protections. These states provide an example 
of how to include survivors of violence in a broader ecosystem of 
workplace protections.
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    \11\ Those states are Arizona, California, Colorado, Connecticut, 
Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, New York, 
Oregon, Rhode Island, Vermont, and Washington State. Minnesota's paid 
sick time law will go into effect on January 1, 2024; all other laws 
are fully in effect. For more detail, please see A Better Balance. 
``Overview of Paid Sick Time Laws in the United States.'' A Better 
Balance, 2023. https://www.abetterbalance.org/paid-sick-time-laws/
?export.
    \12\ A Better Balance. ``Overview of Paid Sick Time Laws in the 
United States.'' A Better Balance, 2023. https://
www.abetterbalance.org/paid-sick-time-laws/?export.
    \13\ A Better Balance. ``Overview of Paid Sick Time Laws in the 
United States.'' A Better Balance, 2023. https://
www.abetterbalance.org/paid-sick-time-laws/?export.
    \14\ New Jersey, Connecticut, and Oregon are already providing paid 
family and medical leave benefits, including for safe time. Benefits 
will begin in 2024 in Colorado and in 2026 in Minnesota. Please see 
pages 3 through 5 of National Partnership for Women and Families. 
``State Paid Family & Medical Leave Insurance Laws.'' Chart. Washington 
D.C.: National Partnership, September 2023. https://
nationalpartnership.org/wp-content/uploads/2023/02/state-paid-family-
leave-laws.pdf.
    \15\ 26 M.R.S. Sec. 850-A(26). Benefits will begin in 2026 in 
Maine.

Beyond these laws, some states have laws that guarantee the right to 
unpaid leave in connection with various forms of violence. These 
protections are critical but are all too often out of reach for those 
who cannot afford to go without a paycheck, especially at particularly 
difficult or vulnerable moments.\16\ Some states only offer unpaid safe 
leave for survivors of specific crimes, usually domestic violence and 
sexual assault. And, many of these laws narrowly define violence or 
require specific ``certifications'' or proof of violence from law 
enforcement agencies.\17\ The requirement to report to law enforcement 
to qualify creates barriers, as many survivors of crime do not report 
to police.\18\ Nearly 6 in 10 violent victimizations are never reported 
to law enforcement.\19\ Reporting rates are especially stark when it 
comes to sexual violence--nearly 8 in 10 sexual assaults are not 
reported to law enforcement.\20\ Most states also have laws 
guaranteeing some form of unpaid leave or job protection for crime 
victims or witnesses, but these laws are often limited to very specific 
actions in relation to the criminal legal system, such as responding to 
a subpoena.\21\ And 15 states do not even guarantee unpaid leave for 
any crime victims.\22\
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    \16\ See generally FreeFrom. ``Support Every Survivor.'' Los 
Angeles, CA: FreeFrom, 2023. https://www.freefrom.org/wp-content/
uploads/2022/10/Support-Every-Survivor-PDF.pdf.
    \17\ Legal Momentum, and Futures Without Violence. ``State Guide on 
Employment Rights for Survivors of Domestic Violence, Sexual Assault, 
and Stalking.'' Washington D.C.: Workplaces Respond National Resource 
Center, November 2022. https://www.workplacesrespond.org/wp-content/
uploads/2017/01/State-Employment-Guide.pdf.
    \18\ See Espinoza, Lucas Enrique, Luis Enrique Espinoza, Rosalva 
Resendiz, Noe Leal, Jennifer L. Talleff, Zoraya Berlanga Aguilar, 
Rebecca Rouse, and Kathleen Ayako Anangwe. ``Intimate Partner Violence 
Incidents Reporting by Female Minorities in the United States.'' 
Journal of Ethnicity in Criminal Justice 20, no. 3 (July 3, 2022): 209-
26. https://doi.org/10.1080/15377938.2022.2096735.; Lonsway, Kimberly 
A., and Joanne Archambault. ``The `Justice Gap' for Sexual Assault 
Cases: Future Directions for Research and Reform.'' Violence Against 
Women 18, no. 2 (February 1, 2012): 145-68. https://doi.org/10.1177/
1077801212440017; Lapsey, David S., Bradley A. Campbell, and Bryant T. 
Plumlee. ``Focal Concerns and Police Decision Making in Sexual Assault 
Cases: A Systematic Review and Meta-Analysis.'' Trauma, Violence, & 
Abuse 23, no. 4 (October 1, 2022): 1220-34. https://doi.org/10.1177/
1524838021991285.
    \19\ Thompson, A. and Tapp, S.N. (2023). ``Criminal Victimization, 
2022.'' US Department of Justice, Bureau of Justice Statistics.
    \20\ See Thompson, A. and Tapp, S.N. (2023). ``Criminal 
Victimization, 2022.'' US Department of Justice, Bureau of Justice 
Statistics.
    \21\ See Legal Momentum, and Futures Without Violence. ``State 
Guide on Employment Rights for Survivors of Domestic Violence, Sexual 
Assault, and Stalking.'' Washington D.C.: Workplaces Respond National 
Resource Center, November 2022. https://www.workplacesrespond.org/wp-
content/uploads/2017/01/State-Employment-Guide.pdf.
    \22\ As of November 2022, states with no guaranteed leave for crime 
victims include Idaho, Indiana, Iowa, Kentucky, Nebraska, North 
Carolina, North Dakota, Ohio, Oklahoma, South Dakota, Tennessee, Texas, 
Utah, West Virginia and the US Virgin Islands. Some of these states, 
such as North Carolina and North Dakota, do have limited GBV Safe 
Leave, but this leave does not cover all crime victims. The states that 
have no GBV Safe Leave to address domestic violence, sexual assault or 
stalking include; Alabama, Alaska, Arkansas, Delaware, Georgia, Idaho, 
Indiana, Iowa, Kentucky, Louisiana, Mississippi, Nebraska, New 
Hampshire, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, 
Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming and the US Virgin 
Islands. Survivors in some of those states may be able to use crime 
victim leave but this access often requires legal documentation. For 
detailed information on state specific statutes please see; Legal 
Momentum, and Futures Without Violence ``State Guide on Employment 
Rights for Survivors of Domestic Violence, Sexual Assault, and 
Stalking.'' Washington D.C.: Workplaces Respond National Resource 
Center, November 2022. https://www.
workplacesrespond.org/wp-content/uploads/2017/01/State-Employment-
Guide.pdf.

The result is an incomplete and inadequate set of protections, despite 
important gains in recent years. Even where they have protections, many 
survivors are unaware of the availability of paid or unpaid safe leave 
until it is too late to meaningfully exercise that right.\23\ Thus, the 
millions of workers whose lives are touched by violence each year in 
the U.S. are forced to make impossible choices between employment and 
safety and recovery from violence. This is why all American families 
deserve access to safe leave.
---------------------------------------------------------------------------
    \23\ See generally; Swanberg, Jennifer E., Mamta U. Ojha, and 
Caroline Macke. ``State Employment Protection Statutes for Victims of 
Domestic Violence: Public Policy's Response to Domestic Violence as an 
Employment Matter.'' Journal of Interpersonal Violence 27, no. 3 
(2012):587-619. https://doi.org/10.1177/0886260511421668.
---------------------------------------------------------------------------

The Lack of Safe Leave Harms Families

Experiencing violence can mean missing work.\24\ Without paid safe 
leave, it also means missing a paycheck or losing a job. Across the 
board, those who experience sexual and domestic violence, stalking, and 
other forms of harassment and violence miss work and lose their jobs as 
a consequence of their experiences. Many survivors report being demoted 
or even losing their jobs as a result of absences due to violence and 
harassment.\25\ A 2020 survey found that 76 percent of survivors of 
domestic violence said that their partners made it hard to keep a 
job.\26\ A 2022 survey of survivors of crime found that one-third 
reported difficulty with school or work as a direct result of their 
victimization.\27\ One in six survivors of violence lost a job or were 
demoted due to needing time off work. Another study found that victims 
who were stalked lost an average of 10.1 days of paid work per year, 
those who were raped lost an average of 8.1 days per year, and those 
who experienced physical violence lost 7.2 days per year.\28\ Some of 
those absences may be paid, but many are not, depriving workers of the 
income they need to support themselves and their families. Paid safe 
leave will keep survivors in the workforce while limiting the economic 
harms of abuse.\29\
---------------------------------------------------------------------------
    \24\ According to a forthcoming analysis by the Alliance for Safety 
and Justice of data from the National Crime Victimization Survey, 
190,000 people report missing work each year after experiencing a 
direct physical attack. These include survivors of domestic violence, 
sexual assault, gun violence, robbery, and other assaults. This figure 
does not capture the many thousands more who miss work when a loved one 
is victimized or killed, and does not fully capture the impact of harm 
such as stalking or intimate partner violence.
    \25\ Showalter, K., & McCloskey, R.J. (2021). A Qualitative Study 
of Intimate Partner Violence and Employment Instability. Journal of 
Interpersonal Violence, 36(23-24), NP12730-NP12755.
    \26\ CSAJ, Adrienne E. Adams, and Sara Wee. ``Domestic Violence and 
Economic Well-being Study.'' SERVICE PROVIDER REPORT. Center for 
Survivor Agency and Justice, n.d. https://csaj.org/wp-content/uploads/
2022/05/DV__EWB_Study-Service_Provider_Report_FINAL.pdf
    \27\ See Alliance for Safety and Justice. ``Crime Survivors Speak: 
National Survey of Victims' Views on Safety and Justice.'' Crime 
Survivors Speak. Alliance for Safety and Justice, September 2022. 
https://allianceforsafetyandjustice.org/wp-content/uploads/2022/09/
Alliance-for-Safety-and-Justice-Crime-Survivors-Speak-September-
2022.pdf.
    \28\ See Gladys McLean and Sarah Gonzalez Bocinski, ``The Economic 
Cost of Intimate Partner Violence, Sexual and Stalking,'' IWPR 2020 
(blog), August 14, 2017, https://iwpr.org/iwpr-general/the-economic-
cost-of-intimate-partner-violence-sexual-assault-and-stalking.
    \29\ Moe, Angela M., and Myrtle P. Bell. ``Abject Economics: The 
Effects of Battering and Violence on Women's Work and Employability.'' 
Violence Against Women 10, no. 1 (January 1, 2004): 29-55. https://
doi.org/10.1177/1077801203256016.
---------------------------------------------------------------------------

Economic Insecurity Endangers Survivors and Community Safety

A primary reason domestic violence survivors are unable to leave an 
abusive relationship is a lack of economic security to support 
themselves.\30\ Compounding this, deepening economic insecurity 
increases vulnerability to violence and makes it more difficult to 
leave a violent relationship.\31\ Survivors of violence are often 
caught between two barriers; they need work to be able to leave a 
violent situation but the violence they're subjected to severely 
impacts their ability to work. The consequences of violence compromise 
economic security--and with it, safety.
---------------------------------------------------------------------------
    \30\ See Cynthia Hess and Alona Del Rosario, ``Dreams Deferred: A 
Survey Impact of Intimate Partner Violence on Survivors' Education, 
Careers, and Economic Security'' (Washington, D.C.: Institute for 
Women's Policy Research, 2018), https://iwpr.org/wp-content/uploads/
2018/10/C475_IWPR-Report-Dreams-Deferred.pdf.
    \31\ See Heron, Rebecca L., Maarten Eisma, and Kevin Browne. ``Why 
Do Female Domestic Violence Victims Remain in or Leave Abusive 
Relationships? A Qualitative Study.'' Journal of Aggression, 
Maltreatment & Trauma 31, no. 5 (May 28, 2022): 677-94. https://
doi.org/10.1080/10926771.2021.2019154.

Life stressors like job insecurity are among the factors that can 
increase a survivor's risk of developing PTSD, and can have lasting 
impacts on employment and housing stability for people who have 
experienced violent victimization.\32\ According to a 2022 survey, more 
than 9 in 10 people with an arrest or conviction record have been a 
victim or a crime, compared to less than half of people (44%) who do 
not have a record.\33\ Eighty-six percent of incarcerated women were 
victims of violence prior to incarceration.\34\ Experiencing violence 
is also a central risk factor for chronic houselessness and substance-
use disorder.\35\ These effects are not limited to the survivor but 
also impact community safety. One study found that more than half (59%) 
of mass shootings between 2014 and 2019 were related to domestic 
violence, where at least one of the victims was a partner or family 
member of the shooter.\36\ Thus, providing survivors of violence with 
adequate time to heal and get to safety is violence prevention and a 
way to make us all safer.\37\
---------------------------------------------------------------------------
    \32\ See Kelly, Vanessa G., Gregory S. Merrill, Martha Shumway, 
Jennifer Alvidrez, and Alicia Boccellari. ``Outreach, Engagement, and 
Practical Assistance: Essential Aspects of PTSD Care for Urban Victims 
of Violent Crime.'' Trauma, Violence & Abuse 11, no. 3 (July 2010): 
144-56. https://doi.org/10.1177/1524838010374481.
    \33\ See Alliance for Safety and Justice (2022). ``Voices of 
Redemption: A Survey of People with Records.'' https://
asj.allianceforsafetyandjustice.org/wp-content/uploads/2023/05/2023-05-
15-2023-TimeDoneSurvey-Full.pdf.
    \34\ See Vera Institute of Justice. ``Overlooked: Women and Jails 
in an Era of Reform,'' July 7, 2018. https://www.vera.org/publications/
overlooked-women-and-jails-report.
    \35\ See Baker, Charlene K., Kris A. Billhardt, Joseph Warren, 
Chiquita Rollins, and Nancy E. Glass. ``Domestic Violence, Housing 
Instability, and Homelessness: A Review of Housing Policies and Program 
Practices for Meeting the Needs of Survivors.'' Aggression and Violent 
Behavior 15, no. 6 (November 1,2010): 430-39. https://doi.org/10.1016/
j.avb.2010.07.005; Pallatino, Chelsea, Judy C. Chang, and Elizabeth E. 
Krans. ``The Intersection of Intimate Partner Violence and Substance 
Use among Women with Opioid Use Disorder.'' Substance Abuse 42, no. 2 
(April 1, 2021): 197-204. https://doi.org/10.1080/
08897077.2019.1671296.
    \36\ See Geller, Lisa B., Marisa Booty, and Cassandra K. Crifasi. 
``The Role of Domestic Violence in Fatal Mass Shootings in the United 
States, 2014-2019.'' Injury Epidemiology 8, no. 1 (May 31, 2021): 38. 
https://doi.org/10.1186/s40621-021-00330-0.
    \37\ See Rowhani-Rahbar, Ali, Julia P. Schleimer, Caitlin A. Moe, 
Frederick P. Rivara, and Heather D. Hill. ``Income Support Policies and 
Firearm Violence Prevention: A Scoping Review.'' Preventive Medicine, 
Epidemiology and Prevention of Gun Violence, 165 (December 1, 2022): 
107133. https://doi.org/10.1016/j.ypmed.2022.107133; Tankard, Margaret 
E., and Radha Iyengar. ``Economic Policies and Intimate Partner 
Violence Prevention: Emerging Complexities in the Literature.'' Journal 
of Interpersonal Violence 33, no. 21 (November 1, 2018): 3367-87. 
https://doi.org/10.1177/0886260518798354.
---------------------------------------------------------------------------

Paid Safe Leave Can Make Justice a Meaningful Choice

The economic impacts of violence also affect a survivor's ability to 
meaningfully pursue their versions of justice and accountability. 
Researchers have found that job loss and economic pressure are the 
primary reasons survivors of violence decline to pursue protection 
orders and other safety measures.\38\ Safe leave promotes consistency 
and participation in the legal system, giving survivors further options 
for justice.\39\ As 15 states do not guarantee unpaid leave for any 
crime victims, many survivors are forced to choose between working and 
participating in the justice process.\40\ Ensuring the survivors of 
crime can actually attend court will save the courts and criminal legal 
system resources lost due to rescheduled hearings and dismissed cases. 
Furthermore, by facilitating the logistics of participating in the 
justice system, paid safe leave gives survivors a meaningful choice.
---------------------------------------------------------------------------
    \38\ Ann Malecha et al., ``Applying for and Dropping a Protection 
Order: A Study with 150 Women,'' Criminal Justice Policy Review 14, no. 
4 (December 1, 2003): 486-504, https://doi.org/10.1177/
0887403403255496.
    \39\ De La Rue, Lisa, Lilyana Ortega, and Gena Castro Rodriguez. 
``System-Based Victim Advocates Identify Resources and Barriers to 
Supporting Crime Victims.'' International Review of Victimology 29, no. 
1 (January 1, 2023): 16-26. https://doi.org/10.1177/02697580221088340; 
Heffernan, Liz. ``The Participation of Victims in the Trial Process.'' 
Northern Ireland Legal Quarterly 68 (2017): 491.
    \40\ As of November 2022, states with no guaranteed leave for crime 
victims include Idaho, Indiana, Iowa, Kentucky, Nebraska, North 
Carolina, North Dakota, Ohio, Oklahoma, South Dakota, Tennessee, Texas, 
Utah, West Virginia and the US Virgin Islands. Some of these states, 
such as North Carolina and North Dakota, do have limited GBV Safe 
Leave, but this leave does not cover all crime victims. The states that 
have no GBV Safe Leave to address domestic violence, sexual assault or 
stalking include; Alabama, Alaska, Arkansas, Delaware, Georgia, Idaho, 
Indiana, Iowa, Kentucky, Louisiana, Mississippi, Nebraska, New 
Hampshire, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, 
Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming and the US Virgin 
Islands. Survivors in some of those states may be able to use crime 
victim leave but this access often requires legal documentation. For 
detailed information on state specific statutes please see: Legal 
Momentum, and Futures Without Violence ``State Guide on Employment 
Rights for Survivors of Domestic Violence, Sexual Assault, and 
Stalking.'' Washington D.C.: Workplaces Respond National Resource 
Center, November 2022. https://www.
workplacesrespond.org/wp-content/uploads/2017/01/State-Employment-
Guide.pdf.
---------------------------------------------------------------------------

Paid Leave Advances Equity in the Workforce

Some communities, such as American Indian or Alaska Native women, 
people with disabilities, and LGBTQ+ people, experience 
disproportionate rates of violence, which can make it harder for these 
populations to obtain and maintain employment or education.\41\
---------------------------------------------------------------------------
    \41\ See ``Intimate Partner Violence and Sexual Abuse Among LGBT 
People.'' Williams Institute. Accessed February 10, 2023. https://
williamsinstitute.law.ucla.edu/publications/ipv-sex-abuse-lgbt-
people/.; Fedina, Lisa, Yuliya Shyrokonis, Bethany Backes, Katie 
Schultz, Louise Ashwell, Steven Hafner, and Andre Rosay. ``Intimate 
Partner Violence, Economic Insecurity, and Health Outcomes Among 
American Indian and Alaska Native Men and Women: Findings From a 
National Sample.'' Violence Against Women 29, no. 11 (September 1, 
2023): 2060-79. https://doi.org/10.1177/10778012221127725.

Experiencing violence often forces survivors into part-time or low-wage 
work.\42\ Workers in low-wage jobs, including undocumented immigrants, 
women, and people of color--some the same workers who face higher risks 
of experiencing violence and greatest barriers to accessing help \43\--
are less likely to have access to paid time away from work.\44\ Paid 
safe leave will support our economies' most vulnerable workers, 
advancing economic equity and decreasing future risk of violence.
---------------------------------------------------------------------------
    \42\ See Tolman, Richard M., and Hui-Chen Wang. ``Domestic Violence 
and Women's Employment: Fixed Effects Models of Three Waves of Women's 
Employment Study Data.'' American Journal of Community Psychology 36, 
no. \1/2\ (2005): 147-58. https://doi.org/10.1007/s10464-005-6239-0.
    \43\ See Smith, N. and Hope, C. (2020). ``Helping Those Who Help 
Others: Key Findings From a Comprehensive Needs Assessment of the Crime 
Victims Field.'' The National Resource Center for Reaching Victims.
    \44\ See Boyens, Chantel, Michael Karpman, and Jack Smalligan. 
``Access to Paid Leave Is Lowest among Workers with the Greatest 
Needs,'' July 2022, 17.
---------------------------------------------------------------------------

Paid Safe Leave Is Good for Business and the Economy

Ensuring that survivors of violence have access to safety and healing 
also has widespread benefits for the entire economy. Paid leave will 
support businesses and the economy by reducing lost productivity and 
the costs of increased turnover.\45\ Violence creates various barriers 
to successfully applying for work, keeping a job, or completing an 
education or training program.\46\ This leaves many qualified and 
hardworking survivors out of the workforce entirely.
---------------------------------------------------------------------------
    \45\ See Swanberg, Jennifer E., T.K. Logan, and Caroline Macke. 
``Intimate Partner Violence, Employment, and the Workforce: 
Consequences and Future Decisions.'' Trauma, Violence, & Abuse 4, no. 
10 (2005): 1-26; Kathryn Showalter, ``Women's Employment and Domestic 
Violence: A Review of the Literature,'' Aggression and Violent Behavior 
31 (November 2016): 37-47, https://doi.org/10.1016/j.avb.2016.06.017.
    \46\ See generally Andrea Borchers et al., ``Employment Maintenance 
and Intimate Partner Violence,'' Workplace Health & Safety, May 18, 
2016, 2165079916644008, https://doi.org/10.1177/2165079916644008.

Furthermore, every year an estimated eight million days of paid work 
are lost by survivors of intimate partner violence, approximately 
32,114 full-time jobs.\47\ This has consequences not only for survivors 
and their families but for our economy as a whole. A 2017 study 
estimated that rape alone cost the U.S. economy more than $1.6 trillion 
in lost productivity.\48\ By creating pathways to remain in the 
workforce and adequately support survivors of violence, the American 
economy will reduce lost productivity and retain talented and 
innovative workers.
---------------------------------------------------------------------------
    \47\ See generally Prevention, Centers for Disease Control and 
National Center for Injury Prevention and Control. Costs of Intimate 
Partner Violence against Women in the United States. Atlanta (GA): 
Centers for Disease Control and Prevention, 2003. https://www.cdc.gov/
violenceprevention/pdf/ipvbook-a.pdf.
    \48\ See Peterson, Cora, Sarah DeGue, Curtis Florence, and Colby N. 
Lokey. ``Lifetime Economic Burden of Rape Among U.S. Adults.'' American 
Journal of Preventive Medicine 52, no. 6 (June 2017): 691-701. https://
doi.org/10.1016/j.amepre.2016.11.014.
---------------------------------------------------------------------------

Paid Leave Will Support Child Well-Being

Paid safe leave addresses two critical factors in child health and 
well-being; exposure to violence and economic 
insecurity.\49\, \50\ Research indicates that parents 
experiencing intimate partner violence (IPV) often recognize and are 
concerned about the potentially harmful effects of the violence on 
their children, and consider their children in making decisions about 
help-seeking.\51\ However, economic insecurity is a central challenge 
for survivors of violence, particularly those with children.\52\ Paid 
safe leave will increase the economic security of survivors of 
violence, allowing them to heal from violence, alongside their 
children.\53\
---------------------------------------------------------------------------
    \49\ See Prickett, Kate C. ``Mothers' Job Loss and Their 
Sensitivity to Young Children's Development.'' Child Development 91, 
no. 6 (November 2020): 1970-87. https://doi.org/10.1111/cdev.13398.
    \50\ See Waldfogel, Jane, Terry-Ann Craigie, and Jeanne Brooks-
Gunn. ``Fragile Families and Child Well-being.'' The Future of 
Children/Center for the Future of Children, the David and Lucile 
Packard Foundation 20, no. 2 (2010): 87-112.
    \51\ See generally Rhodes, Karin Verlaine, Melissa E. Dichter, 
Catherine L. Kothari, Steven C. Marcus, and Catherine Cerulli. ``The 
Impact of Children on Legal Actions Taken by Women Victims of Intimate 
Partner Violence.'' Journal of Family Violence 26, no. 5 (July 1, 
2011): 355-64. https://doi.org/10.1007/s10896-011-9370-8.
    \52\ See Conrad-Hiebner, Aislinn, and Elizabeth Byram. ``The 
Temporal Impact of Economic Insecurity on Child Maltreatment: A 
Systematic Review.'' Trauma, Violence, & Abuse 21, no. 1 (January 1, 
2020): 157-78. https://doi.org/10.1177/1524838018756122.
    \53\ See ``Intimate Partner Violence and Women's Economic Security 
| Office of Justice Programs.'' Accessed September 18, 2023. https://
www.ojp.gov/ncjrs/virtual-library/abstracts/intimate-partner-violence-
and-womens-economic-security.
---------------------------------------------------------------------------

Conclusion

Paid safe leave gives survivors of violence options; ways to navigate 
safety, time to maintain their economic security, and the chance to 
find healing. One of the measures American families across the country 
need to manage their safety, care for their families, and remain in the 
workforce is paid safe leave. Survivors, who have already faced immense 
trauma, should not be forced to make a choice between personal and 
family well-being or financial stability.

As the Committee explores policies, practices, and the impact of paid 
leave on the workforce, we urge its members to include paid safe leave 
for survivors of violence. We urge the explicit and specific inclusion 
of survivors of violence in current or future proposed legislation of 
paid leave. Survivors of violence can be included in broader 
legislation on paid leave for all workers or standalone legislation 
specifically for survivors of violence. Safe leave should cover leave 
to address the impacts of domestic violence, dating violence, sexual 
assault, stalking, family violence, sexual harassment, trafficking, 
other forms of gender-based violence or harassment, or another 
qualifying act of violence if the time is for the individual or 
individual's family member as described above. Future paid leave 
legislation should include as permissible reasons for taking the leave 
the various reasons survivors of violence need safe leave and integrate 
multiple methods of certification of qualifying needs. As survivors 
experience violence in addition to illness or other conditions, paid 
safe leave should be considered additive to family or medical leave and 
articulated within separate leave provisions. Furthermore, we ask the 
Committee to consult the experiences of survivors of violence and the 
advocates that serve them in crafting future legislation.

Upon consideration of legislation or hearings advancing paid safe 
leave, the signed organizations offer detailed recommendations and 
model legislative text.

Thank you for your continued commitment to highlighting the paid leave 
needs of American workers.

Best Regards,

A Better Balance                    Alliance for Safety and Justice
Clayton Early Learning              Crime Survivors for Safety and 
                                    Justice
Family Values @ Work                Futures Without Violence
Legal Aid at Work                   Legal Momentum, The Women's Legal 
                                    Defense and Education Fund
The National Domestic Violence 
Hotline                             National Network to End Domestic 
                                    Violence

                                 ______
                                 
                       American Benefits Council

                      1501 M Street, NW, Suite 600

                          Washington, DC 20005

                             (202) 289-6700

                https://www.americanbenefitscouncil.org/

                      Statement of Ilyse Schuman, 
                  Senior Vice President, Health Policy

    The American Benefits Council (``the Council'') commends the Senate 
Finance Committee for holding a hearing exploring the policy, practice 
and impact on the workforce of paid leave.

    The Council is dedicated to strengthening employer-sponsored 
benefit plans. The Council represents more major employers--over 220 of 
the world's largest corporations--than any other association that 
exclusively advocates on the full range of employee benefit issues. 
Members also include organizations supporting employers of all sizes. 
Collectively, Council members directly sponsor or serve benefit plans 
covering virtually all Americans participating in employer-sponsored 
programs.

    The Council strongly supports federal paid leave legislation that 
builds on private-sector solutions and allows employers to treat 
workers equitably regardless of where they live or work. It is, 
therefore, important for the Senate Finance Committee to be aware of 
the significant challenges facing nationwide companies who support paid 
family leave but are required to navigate a maze of increasingly 
complex and inconsistent, state paid leave mandates. To support and 
leverage employer-provided paid leave benefits, it is critical that 
federal legislation promote the harmonization of state programs so that 
multistate employers can treat their workers equitably across the 
country.

 Council Member Companies Recognize the Value of Paid Leave Benefits

    The Council strongly supports universal paid leave, as reflected in 
our statement of principles.\1\ Our member companies recognize the 
importance of helping employees care for a new child or tend to their 
own--or a family member's--serious health issue. Financial pressure 
makes unpaid leave out of reach for many working families seeking to 
address the demands of parenting, health and family. As with all types 
of employee benefits, Council member companies are at the forefront of 
comprehensive and innovative programs to provide essential protections 
to employees and to help them balance personal and work 
responsibilities. This includes generous paid leave benefits. Our 
member companies understand that paid leave is also good business.\2\ 
Such employer-provided paid leave programs, if effectively designed and 
administered, can foster greater productivity, serve as a valuable 
recruitment and retention tool, and contribute to the success of the 
business.
---------------------------------------------------------------------------
    \1\ See https://www.americanbenefitscouncil.org/pub/?id=58B7B918-
1866-DAAC-99FB-B472DD
042A10.
    \2\ See https://www.fau.edu/newsdesk/articles/paid-sick-leave-
business-study.php.

    Employer-provided paid leave is valuable for employees. Employees 
can obtain and manage their valued leave seamlessly and promptly 
without requiring applying for, and waiting to receive, government 
benefits. Federal, state and local governments and taxpayers benefit 
from employer-sponsored plans that mitigate the cost and complexity of 
public programs. Efforts to expand access to paid leave for workers not 
currently offered paid leave benefits must also protect and promote 
existing employer-provided paid leave programs.

 The Patchwork of Inconsistent State and Local Paid Leave Requirements 
                    Has Created a Complex Administrative and Compliance 
                    Challenge for Employers, Forcing Them to Treat 
                    Employees Differently Based on Their Location

    Council members typically have nationwide operations--often in all 
50 states. Currently, 13 states, plus Washington, D.C., have enacted a 
patchwork of inconsistent mandatory paid family and paid family medical 
leave (PFML) programs. Accordingly, it has become increasingly 
difficult for multistate employers to consistently offer and administer 
paid leave to employees nationwide. Compliance, administrative 
simplicity and equity--cornerstones of nationwide benefit policies--are 
becoming ever more challenging to achieve.

    Why is the existing patchwork of mandatory state PFML programs so 
challenging? The answer starts with how varied these laws are in terms 
of their substantive and procedural components. Mandatory state paid 
family and medical leave programs are comprised of more than 30 
substantive, technical requirements, many of which have additional 
layers, such as definitions, formulas, and administrative standards. 
When examined, it is clear that many of these measures are mismatched 
and misaligned.

    The attached document prepared by the Council and the law firm 
Seyfarth Shaw LLP \3\ describes these state law differences. Wide 
variation and nuance exists across four select key PFML substantive 
areas--(1) qualifying absences, (2) covered family members, (3) 
duration of leave benefits and (4) amount of pay. Furthermore, these 
topics account for only a small portion of state PFML law substantive 
criteria. For example, deviations with respect to coordination with 
employer policies and the private plan option approval standards and 
inconsistency with the federal Family and Medical Leave Act (FMLA) 
create challenges and complexities for employers and employees alike. 
The increasingly remote and mobile nature of the workforce in the wake 
of the COVID-19 pandemic makes this picture even more complex.
---------------------------------------------------------------------------
    \3\ See https://www.americanbenefitscouncil.org/pub/41FAE84F-C7CE-
634B-4D96-D8C025A71
83E.

    The burden of compliance and the range of different requirements 
mean that the resources designated for such programs are applied to 
navigating administrative complexities. This results in employers being 
compelled to treat workers inconsistently based upon where they work or 
live. It is vitally important for the Senate Finance Committee to be 
aware of the extraordinary challenges facing nationwide companies who 
support paid leave but are required to navigate this maze of 
increasingly complex, inconsistent, administratively burdensome and 
---------------------------------------------------------------------------
overlapping paid leave mandates across the country.

    For multistate employers, the burden of administering the numerous 
state and local paid leave mandates is significant. In the Council's 
informal poll of large employers on state paid leave laws, 45 of 66 
(68%) nationwide businesses characterized the administrative burden 
imposed by multiple state and local paid leave laws as ``very 
significant,'' with an additional 18 (27%) calling it ``somewhat 
significant.'' However, this is not just a matter of administrative 
cost and burden for employers. It is also a matter of fundamental 
fairness and equity for employees, particularly in light of the 
increasingly mobile and remote workforce.

    The maze of applicable leave mandates and processes is also 
overwhelming and confusing for employees, who are not sure which laws 
apply to them and to which leaves they may be entitled. This patchwork 
is transforming the traditional role of employers as the single point 
of contact for employee benefit programs and can negatively impact the 
employee experience. For many employers that want to provide the best 
and most efficient experience for employees relative to the various 
benefits offered, a single point of administration is frequently 
essential for a highly desired simplified claim reporting experience 
for employees, including those filing for leave. Employees who 
previously received benefits at no additional cost from their employers 
in some cases must now pay an employee contribution, imposed by some 
state programs, for those same benefits. Employees who previously 
enjoyed a user-
friendly experience in going directly to their employer to request 
benefits in some cases must now go to the state agency administering 
the applicable paid family and medical leave program in addition to 
their employer. That places a complicated and time-consuming burden on 
employees at the very time that what they need and are requesting is 
time off to deal with personal and family obligations.

    In the Council's informal poll, on the question of employers' chief 
concerns about the growing number of state and local laws (they were 
allowed to choose more than one option), 97% of the Council's survey 
respondents selected ``administrative burden,'' 88% selected ``employee 
confusion'' and 74% selected ``inequitable treatment of employees'' all 
significantly greater than the 56% who cited cost as a concern. This 
point underscores the message that Council member companies are 
committed to providing paid leave. It is the administrative burden on 
employers and confusion and inequities for workers caused by state and 
local laws that are the principal concerns.

Federal Legislative Solutions That Work for Businesses and Workers

    We recognize that not all workers have access to generous paid 
leave benefits, and gaps remain that need to be filled. The federal 
government plays an essential role in helping to fill the gaps in leave 
benefits nationwide and can do so while preserving employer plans at 
the same time. Indeed, a federal legislative solution to expand access 
to paid family and medical leave benefits cannot be realized without 
leveraging private-sector solutions. Nationwide harmonization of paid 
leave benefits for multistate employers is foundational to leveraging 
employer-provided paid leave benefits.

    Nationwide harmonization is a bedrock principle of employer-
provided benefits for multistate employers. As you consider the 
contours of potential federal paid leave proposals, future legislation 
should incentivize employers to provide innovative, generous paid leave 
plans by following a similar approach that allows employers to treat 
employees equitably regardless of where they live or work.

    According to a statistically valid nationwide poll of 850 likely 
voters,\4\ conducted by ALG Research, working Americans prefer to have 
their paid leave benefits administered by their employer alone and 
support a more careful approach that emphasizes administrative 
simplicity and equity in the workplace. By a two-to-one margin (59% to 
29%), a majority of voters would prefer to have their paid leave 
benefits administered by their employer alone, rather than a 
combination of their employer and their state government or the federal 
government. Workers should not have to cope with confusing 
administrative burdens especially during times when personal and family 
health should be their sole focus.
---------------------------------------------------------------------------
    \4\ See https://www.americanbenefitscouncil.org/pub/30B714C6-1866-
DAAC-99FB-E18AFA825
CAE.

    By a similar margin (53% to 23%), a majority of voters believe that 
``employees working the same job for the same company should receive 
the same amount of paid leave regardless of the state in which they 
work,'' as opposed to receiving ``the amount of leave determined by 
their state government.'' Voters who already have employer-provided 
paid family and medical leave feel especially strongly about this, by a 
nearly three-to-one margin (68% to 23%). This speaks to the need for 
harmonization, so multistate employers are allowed to provide fair and 
---------------------------------------------------------------------------
equitable benefits across their nationwide workforce.

    We urge Congress to craft federal paid leave legislation that 
addresses the challenge faced by working families and also the 
complexity of often conflicting state and local leave laws. Thank you 
for your consideration of our comments. Please let me know how the 
Council can further assist in your efforts.

                                 ______
                                 

              American Benefits Council/Seyfarth Shaw LLP

     Mandatory Paid Family Medical Leave Laws in the United States

American companies provide generous paid leave benefits to millions of 
employees to help balance work and personal health, caregiving and 
parental responsibilities. Meanwhile, 13 states, plus Washington, D.C., 
have enacted a patchwork of inconsistent mandatory paid family and paid 
family medical leave (collectively, ``PFML'' or ``PFL'') programs, each 
with differing substantive and procedural requirements. Importantly, 
not only is there a current patchwork of inconsistent mandatory PFML 
programs around the country that are challenging to navigate given 
their many variations, but the patchwork continues to expand as these 
laws evolve and enter into new locations.

For instance, since the start of 2022, four states have enacted new 
mandatory PFML programs--Maryland and Delaware in 2022, and Minnesota 
and Maine in 2023. Several other states--nonexclusively, Colorado, 
Connecticut, Massachusetts, Oregon, and Washington--plus Washington, 
D.C., have updated their respective PFML programs through formal 
amendments, additional rulemaking, or issuing administrative guidance. 
Further adding to the complexity is that other states are enacting 
voluntary PFML programs or adding paid family leave as a class of 
insurance. Navigating this patchwork has become a significant burden 
for multistate and nationwide employers, as well as led to hardships 
and inequities for their employees.

Why is the existing patchwork of mandatory state PFML programs so 
challenging? The answer starts with how varied these laws are in terms 
of their substantive and procedural components. Mandatory PFML programs 
are comprised of more than 30 substantive, technical requirements, many 
of which have additional layers, such as definitions, formulas, and 
administrative standards. When examined, it is clear that many of these 
measures are mismatched and misaligned.

Deviations across four select key PFML substantive areas--(1) 
qualifying absences, (2) covered family members, (3) length of benefits 
and duration of leave, (4) amount of pay--are reflected in the graphic 
below. As highlighted, wide variation and nuance exist across each 
topic. Further and notably, these topics account for only a small 
portion of PFML law substantive criteria. Examples of other mandatory 
PFML conditions include: (5) employee eligibility, (6) employer 
coverage, (7) treatment of remote, hybrid and mobile workers, (8) 
benefit year calculation, (9) key definitions, such as ``parent,'' 
``child,'' ``serious health condition,'' etc., (10) job protection, 
(11) funding, (12) waiting periods, (13) intermittent leave, (14) 
employee notice and scheduling, (15) documentation, (16) medical 
recertification, (17) interplay with employer-provided leave and time 
off, (18) interplay with other laws, (19) notice to employees, 
including new hires, (20) posting, (21) claim filing processes, (22) 
benefits continuation, (23) employee disqualification, (24) 
confidentiality, (25) recordkeeping, (26) anti-retaliation, 
discrimination and interference, (27) reporting and remitting, (28) 
treatment of union workers, (29) treatment of self-employed workers, 
(30) written policy requirements, and (31) private plans.

[GRAPHIC NOT AVAILABLE IN TIFF FORMAT]

Discrepancies and dissimilarities shown in the above graphic, as 
well as that exist in other areas of PFML laws, lead to complexities 
and challenges for employers and employees alike. Nonexclusive 
representative examples of these challenges include:

      Treating Similarly Situated Workers Differently. Because of 
deviations in the duration of leave, scope of qualifying absences, 
scope of covered family members, amount of pay, etc., multistate 
companies are forced to treat employees who are similarly situated 
(i.e., doing the same job, with the same job responsibilities, etc.) 
differently based on their location, which leads to inequity among 
workers and administrative hardship for employers.

      Percentage of Wage Replacement: Variation in the percentage of 
wage replacement provided to employees under state PFML laws, which can 
range from 60 to 100% up to certain thresholds, is especially impactful 
on low wage earners. In addition, wage replacement variations can lead 
to payroll challenges, as well as wage and hour law compliance risks, 
for employers seeking to ``top off'' employees' PFML benefits where 
wages provided by the PFML law are replaced at less than 100% of the 
employee's normal pay.

      Remote, Hybrid and Mobile Workers: Remote, hybrid and mobile 
work arrangements where employees work in more than one jurisdiction 
with a mandatory PFML law exacerbate complications for employees. Not 
every mandatory PFML jurisdiction has a standard on determining whether 
a remote, hybrid or mobile employee is eligible for PFML benefits. In 
addition, even where multiple laws do contain such standards, they 
often are unclear as to how PFML eligibility and coverage operates for 
employees who split time between the jurisdictions. In the wake of the 
COVID-19 pandemic, the problem has become more complex as employees 
continue to work remotely from home, but increasingly have relocated 
their residence to different states.

      Inconsistency with the FMLA: Mandatory PFML laws are 
inconsistent with the federal FMLA on a number of topics, including 
having lower thresholds for employee eligibility, broader reasons for 
use and covered family members, and greater length of benefits. These 
differences lead to ``stacking'' of benefits whereby the leaves under 
two laws do not run concurrently, thus leading to increased absenteeism 
and costs to the business, and a greater burden on co-workers and 
managers.

      Coordination with Employer Policies: Several PFML laws do not 
clearly address how their benefits interact with employer provided 
leave and time off. Further, several PFML laws do not differentiate 
between coordination with 
employer-provided leave (i.e., short-term disability, paid parental 
leave, etc.) and time off (i.e., sick time, vacation, PTO, etc.). 
Adding to the complexity, certain PFML laws, such as Washington State, 
do not allow employers to run 
company-provided leave or time off benefits concurrently with statutory 
PFML. These differences, as well as an inability to run benefits 
concurrently, lead to ``stacking'' of benefits and corresponding 
absenteeism that far exceeds the length of leave contemplated by PFML 
laws.

      Lack of Job Protection: Only some state PFML laws provide 
employees with job protection, i.e., a right to be reinstated to the 
same or an equivalent position following the receipt of PFML benefits. 
In addition, several state PFML laws that do contain a job protection 
provision attach certain criteria that employees must satisfy in order 
to receive the full scope of the job protection. Employees often assume 
that their job will be secure when taking statutory time off under a 
PFML law. However, because multiple PFML laws only offer wage 
replacement benefits, rather than job protection to employees, workers 
can take time off without fully understanding the scope of their rights 
and potential loss of employment that could follow the time off.

      Understanding Overlapping Leave Laws and Policies: Similarly, 
nationwide and multistate employers struggle to manage day-to-day 
employee leaves because determining how much leave an employee is 
entitled to in a given state varies based on applicable federal, state 
and local law, and company policies. Differences in whether the 
benefits run concurrently, which benefits provide pay (and up to what 
percentage), and which portions of the employee's absence are ``job 
protected'' all vary based on the state and the nature of the 
employee's absence. Company departments, such as Human Resources, 
Benefits, Legal, People Relations and Payroll, can struggle to 
understand this interplay, especially where the employer lacks robust 
teams in these departments. This has a trickle-down effect to workers 
and can lead to unnecessary confusion. The most complicated scenario is 
in the context of combined medical and family leave for the birth 
parent following the birth of a child.

      Private Plans: While 12 of the 14 jurisdictions with mandatory 
PFML laws have a private plan exemption available for employers to 
avoid the state public PFML program, private plan approval standards 
are burdensome and varied. Notably, employers generally must show that 
it meets or exceeds the jurisdiction's substantive PFML criteria to 
obtain approval. Private plan approval also involves satisfying broad 
administrative standards, i.e., application fees, regular reapproval, 
employee consent, reporting requirements, solvency standards, and so 
on. Due to the high bar for private plan approval, employers lack the 
ability to offer a ``one-size-fits-all'' PFML policy to their 
employees. This deficiency negatively affects both employers and 
employees. Employers must incur heavy administrative burdens that vary 
by state to obtain PFML private plan approval, and after obtaining 
approval, the employer must manage different private plans. Meanwhile, 
employees lose out on having their employer design a uniquely tailored 
paid leave program for them based on the nature of their work, 
industry, and other company-provided leave and time off benefits due to 
PFML law red tape.

      Intermittent Leave: Existing state PFML laws lack a unified 
standard for handling intermittent absences, particularly when PFML 
benefits are used to bond with a new child. Unlike the FMLA, which only 
permits intermittent bonding absences with employer and employee 
consent, a vast majority of mandatory state PFML laws allow employees 
to receive benefits for qualifying bonding absences intermittently, 
often in increments as small as one day. Permitting employees to start 
and stop work on an intermittent basis, specifically in the context of 
bonding with a new child, can create major disruptions in the workplace 
that put unnecessary strain on the employee's co-workers and managers, 
as well as the individuals responsible for administering the PFML 
absence.

Nationwide uniformity is a bedrock principle of employer-provided 
benefits for multistate employers. For nearly 50 years, Congress has 
embedded flexibility in the design and operation of health and 
retirement plans for different workforces, alongside federal uniformity 
for employers who operate in more than one state. As Congress assesses 
the contours of potential federal PFML proposals, future legislation 
should incentivize employers to provide innovative, generous paid leave 
plans by following a similar approach. Further, to support and leverage 
employer-provided paid leave benefits, it is critical that federal 
legislation promotes the harmonization of state PFML programs so that 
nationwide and multistate employers can treat their workers equitably 
regardless of where they work or live.

                                 ______
                                 
                       Caring Across Generations

                         45 Broadway, Suite 320

                           New York, NY 10006

To Chairman Wyden and Ranking Member Crapo,

Caring Across Generations is a national organization of family 
caregivers, care workers, disabled people, and aging adults working to 
transform the way we care in this country so that care is accessible, 
affordable and equitable--and our systems of care enable everyone to 
live and age with dignity. We appreciate the opportunity to submit 
written comments for the record on the importance of paid family and 
medical leave.

Everyone will need to take time off work to care for themselves or 
loved ones at some point in their lives. Yet, most Americans do not 
have access to policies on the state or federal level that would 
protect their jobs and wages when it's time to care. Only 23% of 
workers in the United States have access to paid family leave through 
their employers, and just 41% have access to personal medical leave 
through 
employer-provided short-term disability insurance.\1\ And although the 
federal Family and Medical Leave Act (FMLA) provides important job 
protections, nearly half of workers are not eligible--and many can't 
afford to take unpaid leave.\2\
---------------------------------------------------------------------------
    \1\ https://www.abetterbalance.org/resources/the-u-s-needs-paid-
family-and-medical-leave/.
    \2\ https://nationalpartnership.org/report/fmla-key-facts/.

The U.S. is one of few countries worldwide that does not provide some 
form of paid leave.\3\ While some states have led the way in 
establishing their own paid family medical leave programs and providing 
workers with paid time off to care, no one should be forced to make 
difficult choices between their health and financial well-being. A 
comprehensive, national paid family and medical leave program is a 
critical tool that will help to meet the needs of parents, older 
adults, disabled people and people with serious illnesses, underpaid 
and part-time workers, and the growing number of family caregivers who 
will need to take leave to help care for an aging adult.
---------------------------------------------------------------------------
    \3\ https://www.cepr.net/report/care-related-part-time-employment-
the-case-for-federally-guaranteed-paid-family-and-medical-leave/.

Paid leave is good for workers, families, caregivers, and disabled 
---------------------------------------------------------------------------
people.

All workers are impacted by a lack of paid family leave on the national 
level, and especially the most underpaid workers. Access to paid leave 
is unequally distributed. Nationwide, only 23% private workers receive 
paid leave benefits through their employer.\4\ Part-time and low-wage 
jobs are even less likely to offer paid leave benefits, and research 
shows that workers of color and women are particularly impacted due 
labor market discrimination.\5\ Women of color are more likely to be 
key and sole breadwinners for their families, and are also more likely 
to be primary caregivers for their loved ones, making opting out of the 
labor force or taking unpaid leave when care needs arise often 
impossible.\6\
---------------------------------------------------------------------------
    \4\ https://www.abetterbalance.org/resources/the-u-s-needs-paid-
family-and-medical-leave/.
    \5\ https://nationalpartnership.org/wp-content/uploads/2023/04/
paid-family-and-medical-leave-racial-justice-issue-and-opportunity.pdf.
    \6\ Ibid.

It's important that new parents have access to paid family leave, and 
workers need access to leave throughout the entire life cycle. 70% of 
people turning 65 can expect to need some form of medium- to long-term 
care during their lives, often resulting in a family member needing to 
take leave from work beyond what would be covered by paid sick time 
off. A large majority of caregiving work is unpaid and performed by 
mostly women and women and color, and as the U.S. population ages, the 
need for care will only grow.\7\ Already, 1 in 5 adults in the U.S. are 
unpaid family caregivers.\8\ Paid family leave can allow workers who 
are unpaid family caregivers to remain in the labor force and take care 
of themselves while caring for aging loved ones.
---------------------------------------------------------------------------
    \7\ https://www.americanprogress.org/article/importance-paid-leave-
caregivers/.
    \8\ https://www.aarp.org/ppi/info-2020/caregiving-in-the-united-
states.html.

Paid family leave is also a vital support for disabled people and their 
families. Workers with disabilities may be even less likely than other 
workers to have access to paid leave, because they are 
disproportionately employed in part-time and underpaid work, where less 
than 10% of the workforce has access to paid family leave.\9\ 
Additionally, disabled people are not just often recipients of care--
they're often caregivers themselves. Analysis of the Department of 
Labor's 2018 FMLA Survey found that 29% of workers who may have a 
disability--because they took medical leave for an ongoing health 
condition in the past 12 months--were also caring for one or more 
children under the age of 18.\10\, \11\
---------------------------------------------------------------------------
    \9\ https://www.americanprogress.org/article/disability-community-
needs-paid-family-medical-leave/.
    \10\ Ibid.
    \11\ https://www.dol.gov/agencies/oasp/evaluation/fmla2018.

---------------------------------------------------------------------------
Paid leave is good for business and the economy.

Employers recognize that their employees will need to take time off of 
work to care for themselves or their families, and states have 
demonstrated that employers stand to benefit from a publicly-
administered paid family and medical leave program. For example, when 
employers have a public paid leave program to offer, they are able to 
retain employees, and consequently incur fewer turnover costs. In 
California, 83% of workers in ``lower quality'' jobs who used the 
state's paid leave program returned to their previous employer--a 9-
point improvement over workers who did not use the program.\12\ And 
research has shown that it improves employee morale and results in 
higher productivity, which can also add to improved recruitment and 
retention, and give employees the peace of mind needed to do their best 
work.\13\
---------------------------------------------------------------------------
    \12\ https://www.cepr.net/documents/publications/paid-family-leave-
1-2011.pdf.
    \13\ https://nationalpartnership.org/wp-content/uploads/2023/02/
paid-leave-good-for-business.pdf.

Small businesses benefit from paid leave policies for all of the above 
reasons, and because it helps them compete with larger employers that 
would otherwise put them at a hiring disadvantage. The cost of the 
programs is shared, making it more affordable than private plans. And 
states with programs have adjusted well--in New Jersey, a survey 
conducted for the New Jersey Business and Industry Association found 
that, regardless of size, businesses say they have had little trouble 
adjusting to the state's law.\14\
---------------------------------------------------------------------------
    \14\ https://nationalpartnership.org/wp-content/uploads/2023/02/
paid-leave-good-for-business.pdf.

---------------------------------------------------------------------------
A strong national paid leave policy can help families thrive.

Thanks to the states that have led the way in providing paid leave to 
families, it's clear what a strong paid family leave program looks 
like. A strong program would: be national and inclusive of all 
employers; be publicly administered; feature meaningful wage 
replacement, as close to 100% as possible; offer as many weeks of leave 
possible (12 weeks or more); cover a broad range of care needs; have a 
broad and inclusive family definition, including ``chosen family''; 
protect jobs so workers can take leave without fear of being fired, 
laid off, or retaliated against; dedicate funding for outreach, 
education, and enforcement; and be portable, so that it's attached to 
the worker, rather than the employer.

We thank you for your focus on paid family and medical leave, and we 
urge you to support a national paid family and medical leave policy. If 
you have any questions or would like to discuss further, please contact 
Kathy Mendes, Policy Associate with Caring Across Generations at 
[email protected].

Sincerely,
Kathy Mendes, Policy Associate

                                 ______
                                 
                      Center for American Progress

                           1333 H Street, NW

                          Washington, DC 20005

                              202-682-1611

                   https://www.americanprogress.org/

          Statement of Molly Weston Williamson, Senior Fellow

Thank you to Chairman Wyden and the committee for holding this hearing 
on paid leave, the first ever such hearing before the full committee. 
As committee members highlighted at the historic hearing, the United 
States stands nearly alone among its economic peers in failing to 
guarantee paid leave for all workers. While thirteen states and the 
District of Columbia have enacted their own policies, most have not, 
leaving too many workers to fall through the cracks.\1\ This critical 
gap has profound and harmful consequences for the health and economic 
security of working families as well as for the economy as a whole.
---------------------------------------------------------------------------
    \1\ Molly Weston Williamson, The State of Paid Family and Medical 
Leave in the U.S. in 2023, Center for American Progress (January 5, 
2023), https://www.americanprogress.org/article/the-state-of-paid-
family-and-medical-leave-in-the-u-s-in-2023/; Molly Weston Williamson, 
Fast Facts About Minnesota's New Paid Leave Law, Center for American 
Progress (May 19, 2023), https://www.americanprogress.org/article/fast-
facts-about-minnesotas-new-paid-leave-law/; Molly Weston Williamson, 
Fast Facts about Paid Leave in Maine, Center for American Progress 
(July 11, 2023), https://www.americanprogress.org/article/fast-facts-
about-paid-leave-in-maine/.

The Center for American Progress (CAP) is an independent, nonpartisan 
policy institute that is dedicated to improving the lives of all 
Americans through bold, progressive ideas, as well as strong leadership 
and concerted action. For nearly our entire history, CAP has fought for 
comprehensive, inclusive paid family and medical leave through 
research, advocacy, and outreach. As CAP research has shown again and 
again, paid leave is an all-around win: a win for workers and their 
---------------------------------------------------------------------------
families, a win for employers, and a win for the nation's economy.

The following represent key findings from Center for American Progress 
research:

      The United States loses over $22.5 billion in wages each year 
due to lack of paid leave.\2\ The absence of a federal paid leave 
policy is a drag on the nation's economy and on families' economic 
security. As CAP has repeated this analysis over the years, the cost of 
inaction has only grown over time.\3\
---------------------------------------------------------------------------
    \2\ Sarah Jane Glynn, The Rising Cost of Inaction on Work-Family 
Policies, Center for American Progress (January 21, 2020), https://
www.americanprogress.org/article/rising-cost-inaction-work-family-
policies/.
    \3\ Id. See also Sarah Jane Glynn and Danielle Corley, The Cost of 
Work-Family Policy Inaction: Quantifying the Costs Families Currently 
Face as a Result of Lacking U.S. Work-Family Policies, Center for 
American Progress (September 22, 2016), https://
www.americanprogress.org/article/the-cost-of-inaction/.

      Paid leave boosts labor force participation by ensuring workers 
can take the time they need and return to work ready, rather than being 
pushed out entirely. For example, California's paid leave program 
increased labor force participation by those caring for a loved one by 
8% in the short run and 14% in the long run.\4\
---------------------------------------------------------------------------
    \4\ Joelle Saad-Lesser and Kate Bahn, The Importance of Paid Leave 
for Caregivers: Labor Force Participation Effects of California's 
Comprehensive Paid Family and Medical Leave, Center for American 
Progress (September 27, 2017), https://www.americanprogress.org/
article/importance-paid-leave-caregivers/.

      Guaranteeing paid leave bolsters retirement security, 
particularly for women. By keeping Americans connected to the 
workforce, paid leave can mean higher Social Security benefits, greater 
opportunities for private retirement savings, and reduced need to 
divert retirement savings for other needs.\5\
---------------------------------------------------------------------------
    \5\ Molly Weston Williamson, Paid Leave Is an Essential Investment 
in Retirement Security, Center for American Progress (May 16, 2023), 
https://www.americanprogress.org/article/paid-leave-is-an-essential-
investment-in-retirement-security/.

      In a changing economy, paid leave for the self-employed can 
expand access to entrepreneurship and transform the experience of self-
employment.\6\ Millions of Americans are self-employed, including 
disproportionately high numbers of immigrants, older adults, people 
with criminal records, and people with disabilities;\7\ self-employed 
individuals without employees are the overwhelming majority of small 
business owners.\8\ Ensuring access to paid leave for these workers, as 
state programs have already begun providing,\9\ would remake the 
reality of self-employment and open opportunities to new 
entrepreneurs.\10\
---------------------------------------------------------------------------
    \6\ Molly Weston Williamson, Why Self-Employed Workers Need Paid 
Leave, Center for American Progress (September 21, 2023), https://
www.americanprogress.org/article/why-self-employed-workers-need-paid-
leave/.
    \7\ Molly Weston Williamson, Understanding the Self-employed in the 
United States, Center for American Progress (September 21, 2023), 
https://www.americanprogress.org/article/understanding-the-self-
employed-in-the-united-states/.
    \8\ Id.
    \9\ Molly Weston Williamson, Self-Employed Workers' Access to State 
Paid Leave Programs in 2023, Center for American Progress (August 10, 
2023), https://www.americanprogress.org/article/self-employed-workers-
access-to-state-paid-leave-programs-in-2023/.
    \10\ Molly Weston Williamson, Why Self-Employed Workers Need Paid 
Leave, Center for American Progress (September 21, 2023), https://
www.americanprogress.org/article/why-self-employed-workers-need-paid-
leave/.

      Paid leave policies must protect workers' ability to provide 
care for all those they consider family, including ``chosen family''--
loved ones to whom workers may not have a legal or biological 
relationship. CAP research found that 58% of LGBTQI+ people, along with 
46% of non-LGBTQI+ people, have been called on by chosen family for 
support with a health-related need.\11\
---------------------------------------------------------------------------
    \11\ Caroline Medina and Molly Weston Williamson, Paid Leave 
Policies Must Include Chosen Family, Center for American Progress 
(March 1, 2023), https://www.americanprogress.org/article/paid-leave-
policies-must-include-chosen-family/.

      Ensuring access to paid leave is a matter of racial and economic 
justice.\12\ Each year, of the 17 million leaves working women need, 
3.8 million are taken unpaid and nearly 6 million are not taken at 
all.\13\ For Black women, these numbers are even more stark: more than 
60% of needed leaves are either taken without pay or not taken at 
all.\14\
---------------------------------------------------------------------------
    \12\ Jessica Milli, Jocelyn Frye, and Maggie Jo Buchanan, Black 
Women Need Access to Paid Family and Medical Leave, Center for American 
Progress (March 4, 2022), https://www.
americanprogress.org/article/black-women-need-access-to-paid-family-
and-medical-leave/.
    \13\ Id.
    \14\ Id.

      Workers with disabilities and their families need paid 
leave.\15\ According to CAP research, workers who may have disabilities 
``are less likely to receive pay and more likely to experience 
financial difficulty while on leave than all workers who take 
leave.''\16\
---------------------------------------------------------------------------
    \15\ Diana Boesch and Rebecca Cokley, The Disability Community 
Needs Paid Family and Medical Leave, Center for American Progress 
(October 7, 2020), https://www.americanprogress.org/article/disability-
community-needs-paid-family-medical-leave/.
    \16\ Id.

      Veterans and military families need paid leave, for deployment 
related needs, care for service-connected health conditions, and for 
the needs that affect all families.\17\ For example, over a quarter 
(28%) of former active duty service members have taken time off work to 
care for chosen family or friends with a health need.\18\
---------------------------------------------------------------------------
    \17\ Diana Boesch, Veterans and Military Families Need 
Comprehensive Paid Leave Solutions, Center for American Progress 
(November 9, 2018), https://www.americanprogress.org/article/veterans-
military-families-need-comprehensive-paid-leave-solutions/.
    \18\ Id.

Thank you again for the opportunity to submit this statement and for 
lifting up this important conversation. As Chairman Wyden noted in his 
opening statement, ``our country is strong enough and good enough to 
make paid leave happen for all Americans.'' At CAP, we strongly agree 
and are committed to continuing the push until each and every American 
---------------------------------------------------------------------------
has the paid leave they need when they need it the most.

                                 ______
                                 
                    Center for Law and Social Policy

                    1200 18th Street, NW, Suite 200

                          Washington, DC 20036

                             (202) 906-8000

                         https://www.clasp.org/

Dear Chairman Wyden, Ranking Member Crapo, and Members of the 
Committee:

Thank you for convening the first ever Senate Finance Committee hearing 
on paid family medical leave. The Center for Law and Social Policy 
(CLASP) is grateful for the opportunity to submit this statement for 
the record to the Senate Finance Committee on ``Exploring Paid Leave: 
Policy, Practice, and Impact on the Workforce.''

CLASP is a national, nonpartisan, nonprofit advancing anti-poverty 
policy solutions that disrupt structural and systemic racism and sexism 
and remove barriers blocking people from economic security and 
opportunity. With deep expertise in a wide range of programs and policy 
ideas, longstanding relationships with anti-poverty, child and family, 
higher education, workforce development, and economic justice 
stakeholders, including labor unions and worker centers, and over 50 
years of history, CLASP works to amplify the voices of directly-
impacted workers and families and help public officials design and 
implement effective programs.

CLASP seeks to improve the quality of jobs for low-income workers, 
especially workers of color, women, immigrants and youth. Our work 
includes working with policymakers to raise wages, increase access to 
benefits, implement and enforce new and existing labor standards, and 
ensure workers can strengthen their voice through collective 
bargaining. Quality jobs enable workers to balance their work, school, 
family, religious, community, and other responsibilities--promoting 
economic well-being and strengthening our society.

Almost all working people will experience a caregiving need at some 
point in their lives, whether they are in need of care or need to care 
for a close family member. Despite this nearly universal need, the U.S. 
does not guarantee working people any paid time away from work, and 
many workers aren't even entitled to unpaid leave. In the absence of a 
federal policy, 14 states, including Washington, DC, have established 
state family and medical leave programs. Under these state programs, 
working people can take time away from work to care for a new child, a 
seriously ill loved one, or recover from a medical illness or injury, 
and receive a portion of their income. State programs demonstrate the 
numerous employment, income and health impacts paid family and medical 
leave can have on families, and how it can help strengthen families and 
businesses. The state programs also provide tested models for how to 
create and administer a federal paid leave program.

The State of Paid Leave in the U.S.

The U.S. remains the only Organisation for Economic Co-operation and 
Development (OECD) member country without even a paid parental leave 
program.\1\ According to the U.S. Bureau of Labor Statistics (BLS), 
only 27 percent of U.S. workers have access to paid family (including 
parental) leave through their employers, leaving 106 million workers 
without pay when caring for a new child, aging parent or sick family 
member.\2\ The situation is more pronounced for workers paid low-wages. 
While 48 percent of the highest-paid workers have access to paid family 
leave, only 6 percent of the lowest paid workers have access.\3\ 
Similar inequities are generally true for access to paid medical leave, 
typically through employer-provided temporary disability insurance 
(TDI). Sixty-five percent of the highest paid workers have access to 
paid medical leave through an employer provided TDI plan, while only 10 
percent of the lowest paid workers have access.\4\
---------------------------------------------------------------------------
    \1\ ``PF2.1. Parental leave systems,'' Organisation for Economic 
Co-operation and Development, last accessed Oct. 2023, https://
www.oecd.org/els/soc/PF2_1_Parental_leave_systems.pdf.
    \2\ ``Employee Benefits in the United States, March 2023,'' U.S. 
Bureau of Labor Statistics, Sept. 2023, https://www.bls.gov/ebs/
publications/employee-benefits-in-the-united-states-march-2023.
htm#Overview.
    \3\ Ibid.
    \4\ Ibid.

While the data doesn't break out access by gender or race and 
ethnicity, occupational segregation means women of color are 
disproportionately likely to work in low-paid jobs,\5\ so this data 
suggests gender and racial inequities in access to paid leave are 
likely. Additionally, due to gendered caregiving norms, women bear a 
disproportionate share of family caregiving responsibilities,\6\ 
compounding the impact that the lack of paid leave has on women and 
their families.
---------------------------------------------------------------------------
    \5\ Jessica Mason and Katherine Gallagher Robbins, ``Women's Work 
Is Undervalued, and It's Costing Us Billions'' National Partnership for 
Women and Families, Sept. 2023, https://nationalpartnership.org/wp-
content/uploads/2023/04/womens-work-is-undervalued.pdf.
    \6\ Sarah Jane Glynn, ``An Unequal Division of Labor,'' Center for 
American Progress, May 2018, https://www.americanprogress.org/article/
unequal-division-labor/.

The Family and Medical Leave Act (FMLA) provides unpaid, job-protected 
leave to millions of working people for family caregiving or medical 
needs. While passage of the FMLA was a monumental achievement for its 
time, coverage and eligibility restrictions mean that over 40 percent 
of the workforce are excluded from its protections.\7\ Since the FMLA 
guarantees only unpaid leave, it's inaccessible to the millions of low-
paid workers who can't afford to lose their paychecks for any period of 
time.
---------------------------------------------------------------------------
    \7\ ``Employee and Worksite Perspectives of the Family and Medical 
Leave Act: Results from the 2018 Surveys,'' Abt Associates, July 2020, 
https://www.dol.gov/sites/dolgov/files/OASP/evaluation/pdf/
WHD_FMLA2018SurveyResults_FinalReport_Aug2020.pdf.

It's important to note that working people in the U.S. are not 
guaranteed paid sick leave either. According to the BLS, 78 percent of 
private sector workers have access to paid sick leave. Among the lowest 
paid workers, only 39 percent have access, compared to 96 percent of 
the highest paid workers.\8\
---------------------------------------------------------------------------
    \8\ ``Employee Benefits in the United States,'' 2023.
---------------------------------------------------------------------------

The Consequences a Lack of Paid Leave has on Women and Families

Without access to paid leave, workers are forced to return to work 
instead of taking care of their health or their loved ones, while 
others receive and provide care at the cost of their economic security. 
This impossible choice often leads to work and income instability, or 
worse. The scope of unmet leave extends beyond the workplace--not 
taking needed leave can lead to compounding health and financial costs.
Economic Insecurity
Research from the Urban Institute finds that access to paid leave is 
lowest among workers with the greatest needs, including workers of 
color, and part-time and hourly workers. While 72 percent of white 
workers surveyed have access to paid leave, only 58 percent of Latinx 
and 67 percent of Black workers have access.\9\
---------------------------------------------------------------------------
    \9\ Chantel Boyens, Michael Karpman, and Jack Smalligan, ``Access 
to Paid Leave Is Lowest among Workers with the Greatest Needs,'' Urban 
Institute, July 2022, https://www.urban.org/research/publication/
access-paid-leave-lowest-among-workers-greatest-needs.

Some part-time workers work part-time involuntarily due to a lack of 
full-time jobs, earning less income than they would prefer. Part-time 
jobs offer relatively lower hourly wages and benefits and have more 
variable and unpredictable work schedules, resulting in incomes that 
can fluctuate weekly.\10\ Some employers--especially in the service 
sector--are reluctant to offer full-time positions. Instead, they hire 
multiple part-time staff so they can adjust staffing on short notice 
and reduce wage costs. As a result, many part-time workers are denied 
opportunities to advance into full-time jobs where access to paid leave 
may be greater.\11\
---------------------------------------------------------------------------
    \10\ Lonnie Golden and Jaeseung Kim, ``Underemployment Just Isn't 
Working for U.S. Part-Time Workers,'' Center for Law and Social Policy, 
May 2020, https://www.clasp.org/publications/report/brief/
underemployment-just-isnt-working-us-part-time-workers/
#::text=Thus%2C%
20about%20one%20in%20every,harms%20of%20more%20widespread%20underemploym
ent.
    \11\ Daniel Schneider and Kristen Harknett, ``Working in the 
Service Sector in Connecticut,'' The Shift Project, March 2018, https:/
/shift.hks.harvard.edu/working-in-the-service-sector-in-connecticut.

The Center for American Progress estimates that the total cost to 
workers due to a lack of access to comprehensive paid family and 
medical leave and affordable child care is $31.9 billion in annual lost 
wages: $9.4 billion in lost wages due to child care challenges and 
$22.5 billion in lost wages due to a lack of paid family and medical 
leave.\12\
---------------------------------------------------------------------------
    \12\ Sarah Jane Glynn, ``The Rising Cost of Inaction on Work-Family 
Policies,'' Center for American Progress, Jan. 2020, https://
www.americanprogress.org/article/rising-cost-inaction-work-family-
policies/.

While the need for paid leave stretches across race, ethnicity and 
gender, the impacts are not borne equally. Working mothers play a 
critical role in their families' economic security, and women of color 
are more likely to have an outsized role. The vast majority of Black 
mothers--68 percent--are primary breadwinners \13\ and are also most 
likely to be pushed into industries that pay low wages.\14\ The 
compounding impacts of systemic racism and sexism means that women of 
color face the most dire consequences of unmet need for leave. Six out 
of ten Black women--who are disproportionately primary breadwinners--
either don't take leave or do so without pay, costing them an estimated 
$3.9 billion in lost wages each year. Overall, 5.9 million leaves are 
needed but not taken by women each year.\15\
---------------------------------------------------------------------------
    \13\ Sarah Jane Glynn, `` Breadwinning Mothers Are Critical to 
Families' Economic Security,'' Center for American Progress, Mar. 2021, 
https://www.americanprogress.org/article/breadwinning-mothers-critical-
familys-economic-security/.
    \14\ Sarah Jane Glynn, ``Breadwinning Mothers Continue to be the 
U.S. Norm,'' Center for American Progress, May 2019, https://
www.americanprogress.org/article/breadwinning-mothers-continue-u-s-
norm/.
    \15\ Jessica Milli, Jocelyn Frye, and Maggie Jo Buchanan, ``Black 
Women Need Access to Paid Family and Medical Leave,'' Center for 
American Progress, Mar. 2022, https://www.
americanprogress.org/article/black-women-need-access-to-paid-family-
and-medical-leave/.
---------------------------------------------------------------------------
Maternal Health Crisis
The inability to take leave also results in serious health 
complications that jeopardize the lives of pregnant people. One in four 
U.S. employed mothers return to work within two weeks of giving 
birth,\16\ forcing back into the workplace mothers who are exhausted 
from a major medical event--and who may have trouble walking up stairs 
or standing for long periods of time--or who have wounds that are still 
stitched and healing. The U.S. has the highest maternal mortality rate 
of any OECD country, averaging over three times the rate of most other 
high-income countries.\17\ According to the Centers for Disease 
Control, 53.3 percent of pregnancy-
related deaths occur between 7 days and one year postpartum, and over 
80 percent of all pregnancy-related deaths are preventable.\18\ 
Moreover, the U.S. continues to face a harrowing Black maternal 
mortality crisis--Black women are three times more likely to experience 
fatal outcomes from pregnancy-related complications than white 
women.\19\ Reflecting the impact of racism in our health care system 
and beyond, maternal mortality rates for Black women increased 87 
percent from 2018 to 2021.\20\
---------------------------------------------------------------------------
    \16\ Pronita Gupta, Statement of Pronita Gupta Testimony Before the 
U.S. House of Representatives Committee on Ways and Means ``Paid Family 
and Medical Leave: Helping Workers and Employers Succeed,'' Center for 
Law and Social Policy, May 2019, https://www.clasp.org/wp-content/
uploads/2022/04/20192005200820Pronita20Gupta20PFML20testimony20.pdf.
    \17\ Munira Z. Gunja, Evan D. Gumas, and Reginald D. Williams II, 
``U.S. Health Care from a Global Perspective, 2022: Accelerating 
Spending, Worsening Outcomes,'' The Commonwealth Fund, Jan. 2023, 
https://www.commonwealthfund.org/publications/issue-briefs/2023/jan/us-
health-care-global-perspective-2022.
    \18\ Susanna Trost, Jennifer Beauregard, Gyan Chandra, et. al, 
``Pregnancy-Related Deaths: Data from Maternal Mortality Review 
Committees in 36 US States, 2017-2019,'' Centers for Disease Control 
and Prevention, last reviewed Sep. 2022, https://www.cdc.gov/
reproductivehealth/maternal-mortality/erase-mm/data-mmrc.html.
    \19\ ``Working Together to Reduce Black Maternal Mortality,'' 
Centers for Disease Control and Prevention, last reviewed Apr. 2023, 
https://www.cdc.gov/healthequity/features/maternal-mortality/
index.html.
    \20\ Donna L. Hoyert, ``Maternal Mortality Rates in the United 
States,'' 2021, Centers for Disease Control and Prevention, last 
reviewed Mar. 2023, https://www.cdc.gov/nchs/data/hestat/maternal-
mortality/2021/maternal-mortality-rates-2021.htm#anchor_1559670130302.
---------------------------------------------------------------------------

Paid Leave Can Lead to Positive Health Outcomes

It's critical we deploy all the tools necessary to protect maternal and 
infant health, including guaranteed paid leave to recover from 
childbirth and bond with a new child. Without a federal guarantee to 
paid family and medical leave, the vast majority of people giving birth 
lack the ability to take time off to heal after delivery and care for 
themselves and their newborn. The postpartum period brings with it 
emotional changes, recovery from birth, and the challenges of caring 
for an infant that can all feel overwhelming.\21\
---------------------------------------------------------------------------
    \21\ ``A Mother's Guide to the Fourth Trimester,'' Columbia 
University Irving Medical Center, Nov. 2021, https://
www.cuimc.columbia.edu/news/mothers-guide-fourth-trimester#::text=The%
20fourth%20trimester%E2%80%94the%2012,mothers%20need%20it%20the%20most.

Research suggests that paid parental leave improves maternal mental and 
physical health.\22\ Paid parental leave is associated with a decline 
in depressive symptoms, a reduced likelihood of severe depression, as 
well as improvement in overall maternal health,\23\ and lowered rates 
of hospital admissions for mental health conditions.\24\ Federal action 
to ensure all workers have access to paid family leave is critical to 
address the alarming rates of maternal health concerns, the related 
maternal mortality rates, and the disproportionate harm borne by Black 
women and families.
---------------------------------------------------------------------------
    \22\ Sarah Coombs, ``Paid Leave is Essential for Healthy Moms and 
Babies,'' National Partnership for Women and Families, 2021, https://
nationalpartnership.org/wp-content/uploads/2023/02/paid-leave-is-
essential-for-healthy-moms-and-babies.pdf.
    \23\ Pinka Chatterji and Sarah Markowitz, ``Family leave after 
childbirth and the mental health of new mothers,'' Journal of Mental 
Health Policy and Economics, Jun 2012, 15(2):61-76, https://
pubmed.ncbi.nlm.nih.gov/22813939/.
    \24\ ``Parental Leave Brings Mental Health Benefits, Especially for 
Mothers,'' American Psychiatric Association, Jan. 2023, https://
www.psychiatry.org/News-room/APA-Blogs/Parental-Leave-Mental-Health-
Benefits#::text=Benefits%20of%20Parent.al%20Leave&text=Longer%20
parental%20leave%20was%20associated,longer%20leave%2C%20paid%20or%20unpa
id.

Improving parental outcomes can also lead to better health outcomes for 
infants. The early years of a child's life are shown to have 
significant future learning, behavior and health impacts. This time 
period is critical for a child's development, and research demonstrates 
that positive interactions with caregivers during these years can 
produce long-term benefits for children, families and society.\25\
---------------------------------------------------------------------------
    \25\ ``In Brief: The Science of Early Childhood Development,'' 
Center on the Developing Child, Harvard University, Mar. 2007, https://
developingchild.harvard.edu/resources/inbrief-science-of-ecd/.
---------------------------------------------------------------------------

Paid Leave is Good for the Economy

Peer countries like Canada, Germany, and the United Kingdom, provide 
working people with paid family leave.\26\ The National Partnership for 
Women and Families estimated that if labor force participation for 
American prime-age women--those aged 25 to 54--was at rates similar to 
those of women in those counties, there would have been up to 4.85 
million more women in the workforce in 2021. That amounts to $237 
billion in lost wages per year for women and families, and $650 billion 
per year to the economy overall--2.9 percent of total GDP.\27\
---------------------------------------------------------------------------
    \26\ PF2.1. Parental leave systems, 2023.
    \27\ Amanda Novello, ``The Cost of Inaction: How a Lack of Family 
Care Policies Burdens the U.S. Economy and Families,'' National 
Partnership for Women and Families, Jul, 2021, https://
nationalpartnership.org/wp-content/uploads/2023/02/cost-of-inaction-
lack-of-family-care-burdens-families.pdf.

Evidence from states with paid leave programs shows us that access to 
comprehensive paid leave is essential to maintaining economic stability 
for families in the midst of health crises and life changes. For 
example, in California, the paid family leave program has increased 
labor force attachment and long-term wages for households with lower 
incomes.\28\ Access to paid leave in California has also lowered the 
risk of poverty among mothers of infants by 10.2 percent and increased 
household income for those mothers by 4.1 percent.\29\
---------------------------------------------------------------------------
    \28\ Ann Bartel, Charles Baum, Maya Rossin-Slater, Christopher 
Ruhm, and Jane Waldfogel, ``California's Paid Family Leave Law: Lessons 
from the First Decade,'' U.S. Department of Labor, Jun. 2014, https://
www.dol.gov/sites/dolgov/files/OASP/PaidLeave-California_2014.
pdf.
    \29\ Alexandra Boyle Stancyk, ``Does Paid Family Leave Improve 
Household Economic Security Following a Birth? Evidence from 
California,'' Social Service Review, Vol. 93, No. 2, Jun. 2019, https:/
/www.journals.uchicago.edu/doi/abs/10.1086/703138?journalCode=ssr.
---------------------------------------------------------------------------

Paid Leave is Good for Business

Paid family and medical leave is good for businesses. Paid leave can 
help lower turnover costs through greater retention, and increase 
worker morale and business productivity. In California, 93 percent of 
employers reported that leave had a positive or neutral effect on 
employee turnover, while also seeing increased productivity (89 
percent) and boosted employee morale (99 percent).\30\ Additionally, 
firm-level analysis of employers in California before and after paid 
family leave was implemented confirmed that for the average firm, wage 
costs had not increased.\31\ In New Jersey, employers noted that the 
state paid leave program helped decrease stress and improve morale 
among employees who took leave and their co-workers.\32\ The Federal 
Employees Paid Leave Act, which provides up to 12 weeks of paid 
parental leave to qualifying federal employees, is anticipated to save 
the federal government $50 million annually in costs related to 
employee turnover.\33\
---------------------------------------------------------------------------
    \30\ Eileen Appelbaum and Ruth Milkman, ``Leaves That Pay: Employer 
and Worker Experience with Paid Family Leave in California.'' Center 
for Economic and Policy Research, 2011, https://cepr.net/documents/
publications/paid-family-leave-1-2011.pdf.
    \31\ Kelly Bedard and Maya Rossin-Slater, ``The Economic and Social 
Impacts of Paid Family Leave in California: Report for the California 
Employment Development Department,'' California Employment Development 
Department, Oct. 2016, https://edd.ca.gov/siteassets/files/disability/
pdf/PFL_Economic_and_Social_Impact_Study.pdf.
    \32\ Sharon Lerner and Eileen Appelbaum, ``Business As Usual: New 
Jersey Employers' Experiences with Family Leave Insurance,'' Center for 
Economic and Policy Research, Jun. 2014, http://www.cepr.net/documents/
nj-fli-2014-06.pdf.
    \33\ Kevin Miller, Allison Suppan Helmuth, and Robin Farabee-Siers, 
``The Need for Paid Parental Leave for Federal Employees: Adapting to a 
Changing Workforce,'' Institute for Women's Policy Research, Nov. 2020, 
https://iwpr.org/wp-content/uploads/2020/11/FEPPLAExecSumm.
pdf.

Paid family and medical leave also helps level the playing field 
between small businesses and larger firms. Small businesses may have 
trouble matching more generous leave benefits offered by larger 
employers, potentially putting them at a hiring disadvantage. A federal 
paid leave program would help small businesses provide this critical 
---------------------------------------------------------------------------
benefit, without having to shoulder the entire cost.

In states with paid leave, small businesses have adapted well to new 
programs. The California Society for Human Resource Management, which 
initially opposed the law, stated that it is less onerous than 
expected, and few businesses reported challenges resulting from workers 
taking leave.\34\ In New Jersey, a survey conducted for the New Jersey 
Business and Industry Association found that businesses of all sizes 
had little trouble adjusting to the paid leave law.\35\ In New York, a 
survey among businesses with fewer than 100 employees, found that the 
majority were supportive of the paid family leave program. The program 
also led to an increase in employers' ease of handling long employee 
absences.\36\
---------------------------------------------------------------------------
    \34\ Jennifer Redmond and Evgenia Fkiaras, ``California's Paid 
Family Leave Act Is Less Onerous Than Predicted,'' Society for Human 
Resources Management Publication, Jan. 2010, https://
www.sheppardmullin.com/media/article/
809_CA%20Paid%20Family%20Leave%20Act%20Is%
20Less%20Onerous%20Than%20Predicted.pdf.
    \35\ Mirian Ramirez, ``The Impact of Paid Family Leave on New 
Jersey Businesses,'' New Jersey Business and Industry Association and 
Bloustein School of Planning and Public Policy at Rutgers University, 
2012, http://bloustein.rutgers.edu/wp-content/uploads/2012/03/
Ramirez.pdf.
    \36\ ``Paid Family Leave: 2018 Year in Review,'' Office of the 
Governor of New York, 2018, https://www.governor.ny.gov/sites/default/
files/atoms/files/PFL_EOYReport_2018_FINAL.pdf.

Why We Need a Federal Paid Leave Social Insurance Program

The state paid leave programs offer tested models on how to create a 
comprehensive, equitable federal paid family and medical leave program. 
A federal paid leave program should include the following components:

      Provide twelve weeks of paid leave to address the full range of 
serious personal and family medical and caregiving needs people 
experience. This includes being able to heal from a serious personal 
medical condition, and care for a seriously ill loved one or a new 
child. Treating all of the caregiving needs people have minimizes the 
risk of unintended consequences with respect to gender or age 
discrimination. This is particularly vital for women of color who are 
less likely to have meaningful paid leave provided by employers but are 
more likely to take on family caregiving responsibilities.

      Cover all working people. A federal program should cover all 
workers, whether full-time or part-time; in the private, non-profit, or 
public sector; traditional employees, self-employed and independent 
workers; younger workers; people with intermittent work histories; and 
people with limited earnings but recent attachment to the labor force.

      Provide progressive wage replacement. Replacing up to 100 
percent of wages for low-paid workers and a high share of wages, for 
middle-wage workers, using a sliding scale for wage replacement, is 
critical to ensure the program is accessible. Workers in the lowest 
paid jobs are least likely to have access to any paid leave and most in 
need of a federal program, but the least likely to be able to afford to 
take leave if it requires taking a pay cut. Too-low wage replacement 
may also reinforce gender and racial disparities in leave-taking.

      Include family caregiving rules that reflect the diversity of 
caregiving relationships people have. Virtually all states with paid 
leave programs now provide paid leave for workers to care for loved 
ones beyond immediate family and several include family members related 
by affinity as well as blood.

      Ensure that paid leave is job protected. Working people must 
feel secure using the paid leave that is available without risking job 
loss. There must also be robust anti-retaliation protections in place. 
This is especially important in any system that is funded fully or 
partially through worker contributions to ensure workers can access 
benefits they've paid for in part or whole.

      Harmonize federal and state programs' administration. Workers in 
states where paid leave is available and either equal to or more 
generous than a federal program can maintain the value of their state 
policies and state benefit administration. Federal legislation should 
provide states the time and financial resources they need to adapt 
their existing programs to a new federal landscape.

      Include sufficient resources for implementation. This includes 
funding for education and outreach about the program, research and 
evaluation, and enforcement so that the promise of the program can be 
realized. State paid leave experience underscores the importance of 
continued investments in ensuring people understand and can use the 
benefits available. It's also critical to measure and analyze the way 
benefits are administered and delivered to ensure equitable 
utilization.

The FAMILY Act

A state by state approach to providing paid family and medical leave 
means that millions of families remain without this critical 
protection. The majority of Black Americans live in Southern states, 
which--due to nearly universal Republican control of state 
legislatures--will not soon enough pass a statewide paid family and 
medical leave program.\37\
---------------------------------------------------------------------------
    \37\ Christine Tamir, ``The Growing Diversity of Black America,'' 
Pew Research Center, Mar. 2021, https://www.pewresearch.org/social-
trends/2021/03/25/the-growing-diversity-of-black-america/.

It's critical that Congress pass a comprehensive paid family and 
medical leave plan. The Family and Medical Insurance Leave (FAMILY) 
Act, recently reintroduced by Senator Kirsten Gillibrand (D-NY) and 
Representative Rosa DeLauro (D-CT) builds off of the hard-won victories 
and lessons of the state programs. It provides the majority of workers 
in the U.S. access to up to 12 weeks of job- protected paid family and 
medical leave. Workers would be able to take paid leave to address 
their own serious health needs, which research shows is the most common 
reason workers use leave;\38\ care for a seriously sick family member; 
bond with a new child; or address the impact of military deployment. It 
also provides ``safe leave''--time to deal with the impact of sexual or 
domestic violence.\39\
---------------------------------------------------------------------------
    \38\ Scott Brown, Jane Herr, Radha Roy, and Jacob Alex Klerman, 
``Employee and Worksite Perspectives of the FMLA Employee Leave-Taking 
Patterns,'' Abt Associates, Jul. 2021, https://www.dol.gov/sites/
dolgov/files/OASP/evaluation/pdf/WHD_FMLA2018PB2LeaveTaking_
StudyBrief_Aug2020.pdf.
    \39\ ``Americans Need Access to Paid Safe Leave,'' Futures Without 
Violence and National Partnership for Women and Families, May 2023, 
https://policy.futureswithoutviolence.org/wp-content/uploads/2023/05/
Futures.NPWF-Fact-Sheet-5.12.23.pdf.

It's time for Congress to act and provide all workers in all states 
with 12 weeks of paid family and medical leave to care for a new child, 
a seriously ill loved one, or their own serious health condition.We 
thank you for holding a hearing on this important topic and for the 
opportunity to submit this written statement. If you have any questions 
regarding this topic, please contact Sapna Mehta, Senior Policy Analyst 
with the Education, Labor & Worker Justice Team at CLASP, at 
---------------------------------------------------------------------------
[email protected].

Sincerely,

Sapna Mehta
Senior Policy Analyst

                                 ______
                                 
 Center for Public Justice, National Association of Evangelicals, and 
                  Mormon Women for Ethical Government
October 23, 2023

The Honorable Ron Wyden
Chairman
United States Senate
Committee on Finance
219 Dirksen Senate Office Building
Washington, DC 20510-6200

The Honorable Mike Crapo
Ranking Member
United States Senate
Committee on Finance
219 Dirksen Senate Office Building
Washington, DC 20510-6200

Dear Chairperson Wyden, Ranking Member Crapo, and Members of the 
Committee:

The Center for Public Justice (CPJ) is a Christian policy research and 
civic education organization.\1\ CPJ has been interested in upholding 
family well-being since its founding over forty years ago. CPJ, Mormon 
Women for Ethical Government (MWEG), and the National Association of 
Evangelicals (NAE) offer this testimony in relation to the October 25, 
2023 hearing, ``Exploring Paid Leave: Policy, Practice, and Impact on 
the Workforce.''
---------------------------------------------------------------------------
    \1\ Center for Public Justice, 1305 Leslie Ave., Alexandria, 
Virginia, 22301.

Out of faith conviction, we see both family life and work as God-given 
sources of blessing and responsibility. Families are the foundation of 
a healthy society. Yet, many families struggle to fulfill their 
caregiving responsibilities without financial strain or the fear of 
losing their job. We believe that all families should be able to attend 
to seasons of family caregiving--be it the birth of a child or being 
present with a loved one at the end of life. This is why we applaud the 
---------------------------------------------------------------------------
Committee on Finance's attention to paid family leave.

Paid leave is a straightforwardly pro-family policy. Parents who have 
access to paid family leave are more likely to spend time with a new 
child. When families are able to take leave, children and mothers enjoy 
better physical and mental health and stronger long-term 
development.\2\
---------------------------------------------------------------------------
    \2\ Maya Rossin, ``The Effects of Maternity Leave on Children's 
Birth and Infant Health Outcomes in the United States,'' Journal of 
Health Economics, 2011. Jenna Stearns, ``The Effects of Paid Family 
Leave: Evidence from Temporary Disability Insurance,'' Journal of 
Health Economics, 2015. Pedro Carneiero, Katrine Loken, Kjell Salvanes, 
``A Flying Start? Maternity Leave Benefits and Long-Run Outcomes of 
Children,'' Journal of Political Economy, Vol. 123, No. 2, April 2015.

The bonds formed during key caregiving moments leave a lasting imprint 
on families. Research demonstrates, for example, that fathers who take 
at least two weeks of leave for a new child are more likely to be 
actively involved in their child's life over time.\3\
---------------------------------------------------------------------------
    \3\ Huerta, Maria, Willem Adema, and Jennifer Baxter. 2013. 
``Fathers' Leave, Fathers' Involvement and Child Development.'' OECD 
Social, Employment and Migration Working Papers. doi: 10.1787/
5k4dlw9w6czq-en.

Only 27% of the workforce currently has access to paid family leave.\4\ 
Younger and lower wage workers--the very Americans who face the 
greatest financial precarity before and after welcoming a new child--
are those least likely to have paid family leave or other basic 
benefits that support family care.
---------------------------------------------------------------------------
    \4\ Bureau of Labor Statistics, Family Leave Benefits, September 
21, 2023, https://www.bls.
gov/ebs/factsheets/family-leave-benefits-fact-
sheet.htm#::text=In%20March%202023%2C%2027
%20percent,access%20to%20unpaid%20family%20leave.

The Center for Public Justice, in partnership with the Center for 
Integrity in Business, interviewed faith-based employers about their 
attitudes and practices relative to paid family leave. Family values 
were overwhelmingly important to these employers. At the same time, 
expanding paid family leave policies on an employer-by-
employer basis posed real challenges.\5\ Well-crafted public policy 
could help employers better match their workplace practices with their 
core values by making paid family leave an accessible benefit for all.
---------------------------------------------------------------------------
    \5\ Denise Daniels, Vicki Eveland, Randal S. Franz, John Godek, 
Rachel Anderson, ``Family-Supportive Practices in the Sacred Sector: 
Research Summary,'' Center for Public Justice, 2019.

In order for the government to uphold a just society, it must play a 
role in promoting a basic framework in which families can thrive. We 
encourage this Committee to continue to work toward paid family leave 
solutions that address the circumstances of small employers--including 
those in the nonprofit and religious sectors--while also protecting 
---------------------------------------------------------------------------
vital time for family caregiving.

Thank you for your leadership and support of our nation's families.

Sincerely,

Stephanie Summers, CEO
Center for Public Justice (CPJ)

Walter Kim, President
National Association of Evangelicals (NAE)

Emma Petty Addams & Jennifer Walker Thomas, Co-Executive Directors
Mormon Women for Ethical Government (MWEG)

                                 ______
                                 
                            Count on Mothers

                           Mothers Count LLC

                       9854 National Blvd., #526

                         Los Angeles, CA 90034

          Mothers' Views on the FAMILY ACT: Report of Findings

                              Introduction

                               __________
In August 2023, Count on Mothers conducted research to find out 
mothers' views and experiences relating to the FAMILY Act. Actionable 
Insights are provided followed by the full research summaries. We 
conduct research because we believe that mothers' first-hand 
experiences and knowledge are critical sources of information in the 
federal policy making process, particularly on bills that affect kids 
or the conditions of raising a family in the U.S. We share this data 
with legislators and the public so that they may have a better 
understanding of how a bill could help or hurt a family. The full 
report is posted on https://www.countonmothers.org/.

        Actionable Insights at a Glance from Quantitative Study

From Mothers We Surveyed

      This bill contains points of mostly alignment with some 
differences among Mothers.

      Overwhelmingly, Mothers were aligned across the political 
spectrum on the following:

          Employees should have up to 12 weeks of partial 
        income when they take time off from work for reasons relating 
        to health, caregiving, and/or military deployment of a 
        relative.
          Employees who have worked for more than 90 days 
        at the same job should be able to return to their jobs after 
        paid leave and without retaliation from employers.
          Mothers believe that full-time employees should 
        earn up to \2/3\ of their regular wages on this paid leave.

      The majority of mothers--regardless of political ideology--
agreed on the importance of providing paid leave to employees 
regardless of company size, full-time/part-time status, and/or self-
employment status. However, there was variation within each political 
ideology and particularly, a conservative split between conservative 
and very conservative members with conservative Mothers more likely 
than very conservative Mothers to support this provision.

      Aside from Mothers who identify as very conservative, Mothers 
believe that 
lowest-paid employees should earn up to 85% of their regular wages on 
this paid leave.

      Overall, Mothers across the political spectrum supported this 
item with very strong support from all but very conservative Mothers.

         Actionable Insights at a Glance from Qualitative Study

From Mothers We Interviewed

      Similar themes arose among all five mothers regardless of 
political ideology, including the difficult balance of caregiving and 
employment, an array of stressors related to child bearing and child 
rearing, including health needs, all of which impacted their lives in 
stressful ways.

      They each identify that their privilege--or access to private 
resources--alleviated some of their own stress and they recognize that 
not all mothers have access to such resources.

      The five mothers provided assessment of the FAMILY Act that 
evidence their support of the FAMILY Act--they liked the broader 
inclusivity overall, believed the safety net provisions would be 
critical to families, and provided additional comments related to the 
bill to be written and to be implemented correctly.

      Finally, the five mothers believe the FAMILY Act would create a 
paradigm that would have a positive health impact on families and a 
positive shift in the domain of care giving, paid leave, and 
employment.

                Takeaway Theme from Qualitative Study: 
             Need for U.S. to Change Paradigm on Paid Leave

Across political ideologies, participants shared that the United States 
needs to shift its paradigm on paid leave--although recognizing this 
will be a slow process.

        [The FAMILY Act bill] kind of changes the mindset of people 
        around you that this is just the way that it is. Sort of like 
        FMLA, you know? It's federal, you know, it's something that's 
        expected. It's an expected way we're supposed to treat each 
        other with humanity rather than, oh, I have a good job with 
        good benefits, but you don't. (Moderate Mother, age 51)

        It's something that we should have had a long time ago, 
        something the rest of the world has had. It's us and I think 
        six countries with no form of paid leave. So this to me is one 
        of the most important things Congress can do and I hope that 
        they do very soon. (Liberal Mother, age 41)

        I do think that, yes, if you have institutional change and it's 
        kind of . . . I hate to use this word, but forced from the 
        government onto companies and organizations to expect this, to 
        know that this is happening, this is how things operate now. I 
        do think that over time, it's not gonna be right away because 
        people's minds don't change right away. But I do think that 
        over years, the expectation that people have people to care 
        for, whether it's an infant or parents or . . . sick kids or 
        whatever, that there is more compassion, that taking time off 
        to take care of people in your life is okay. And that's good 
        and it's valuable and it's to be respected. (Conservative 
        Mother, age 37)

        So I want progress when it comes to paid parental leave. We are 
        so far behind, as you know, the rest of the world regarding 
        offering what I think is a human right, a right to bond 
        postpartum with your baby, with your family, figure out how to 
        do things like nursing if that's what you're doing or feeding 
        in general and sleep, all this. And so I think that's a human 
        right. I think right now what we're doing without having a 
        federal paid leave is frankly inhumane. I think it's actually, 
        it's barbaric right, what we put mothers and families through. 
        So to me I think we have a long way to go. (Liberal Mother, age 
        40)

        I do think we need to support parents in the workforce 
        absolutely. I think we need to have policies in this country 
        that support motherhood that support families but at the same 
        time I have these principles of limited government, of wanting 
        people to do things on their own, and like the two conflict 
        with each other on this particular thing. And so I don't know 
        what the right answer is. I don't know how best to do this. I 
        do know that we need to do something as a country, because I 
        know there's also women who are lower income and they're single 
        moms. you know, a few part-time jobs, they're patching together 
        and they don't get any benefits and they're going back to work 
        two days after they have a baby and that is not right. 
        (Conservative Mother, age 40)

          Findings from Quantitative Study of Mothers Surveyed

9 in 10 Mothers Surveyed Believed:

      Employees should have up to 12 weeks of partial income when they 
take time off from work for reasons relating to health, caregiving, 
and/or military deployment of a relative.

          Overwhelmingly, Mothers were aligned across the 
        political spectrum on this issue. 96% of Mothers who identified 
        as conservative and 79% who identified as very conservative 
        agreed with this statement. 4% of conservative and 21% of very 
        conservative Mothers expressed uncertainty or disagreement.
          95% of Mothers who identified as moderate agreed 
        with this statement. 5% of moderate Mother expressed 
        uncertainty or disagreement.
          100% of Mothers who identified as liberal and 98% 
        of Mothers who identified as very liberal agreed with this 
        statement. 2% of very liberal mothers voiced uncertainty.

      Employees who have worked for more than 90 days at the same job 
should be able to return to their jobs after paid leave and without 
retaliation from employers.

          The trend showed that overwhelmingly, Mothers 
        largely agreed--regardless of their political ideologies.
          For example, 100% of Mothers who identified as 
        conservative and 86% who identified as very conservative agreed 
        with this issue. 14% of very conservative mothers disagreed 
        with this statement.
          99% of Mothers who identified as moderate agreed 
        with this statement. 1% of moderate Mothers expressed 
        uncertainty.
          96% of Mothers who identified as liberal and 96% 
        of Mothers who identified as very liberal agreed with this 
        statement. 4% of liberal and 5% of very liberal Mothers 
        expressed uncertainty or disagreement.

      Full-time employees should earn up to \2/3\ of their regular 
wages on this paid leave.

          88% of Mothers who identified as conservative and 
        64% who identified as very conservative agreed with this issue. 
        12% of conservative Mothers and 36% of very conservative 
        mothers were uncertain or disagreed with this statement.
          94% of Mothers who identified as moderate agreed 
        with this statement. 6% of moderate Mothers expressed 
        uncertainty or disagreement.
          97% of Mothers who identified as liberal and 98% 
        of Mothers who identified as very liberal agreed with this 
        statement. 2% of liberal and 2% of very liberal Mothers were 
        uncertain.

      Lowest-paid employees should earn up to 85% of their regular 
wages on this paid leave.

          Conservative mothers varied on this issue. 76% of 
        Mothers who identified as conservative agreed with this issue 
        while 57% who identified as very conservative were uncertain or 
        disagreed with this issue. 24% of conservative Mothers joined 
        very conservative Mothers in being uncertain or disagreeing 
        with this statement. In contrast, 43% of Mothers who were very 
        conservative supported this issue.
          92% of Mothers who identified as moderate agreed 
        with this statement. 8% of moderate Mothers expressed 
        uncertainty or disagreement.
          97% of Mothers who identified as liberal and 98% 
        of Mothers who identified as very liberal agreed with this 
        statement. 3% of liberal Mothers and 2% of very liberal Mothers 
        voiced uncertainty.

8 in 10 Mothers surveyed believed:

      The ``FAMILY Act'' will (or would have had) a positive impact on 
their families.

          Mothers across the political spectrum supported 
        this item with very strong support from all but very 
        conservative Mothers.
          88% of Mothers who identified as conservative and 
        57% of very conservative supported the Family Act. 12% of 
        conservative Mothers and 43% of very conservative mothers were 
        uncertain or disagreed with supporting the FAMILY Act.
          90% of Mothers who identified as moderate agreed 
        with this statement. 10% of moderate Mothers expressed 
        uncertainty or disagreement with the FAMILY Act.
          93% of Mothers who identified as liberal and 95% 
        of Mothers who identified as very liberal agreed with this 
        statement. 7% of liberal Mothers and 5% of very liberal Mothers 
        expressed uncertainty or disagreement with the FAMILY Act.

      Paid leave should apply to employees regardless of company size, 
full-time/part-time status, and/or self-employment status.

          80% of Mothers who identified as conservative 
        agreed with this issue and 57% of conservative Mothers 
        supported this issue.
          87% of Mothers who identified as moderate agreed 
        with this statement. 13% of moderate Mothers expressed 
        uncertainty or disagreement.
          93% of Mothers who identified as liberal and 91% 
        of Mothers who identified as very liberal agreed with this 
        statement.

                           Political Ideology

In the overall sample, 37% of Mothers identify as Liberal while 29% of 
Mothers identify as Moderate and 8% of Mothers identify as 
Conservative. On either of the political ideology spectrum, Mothers who 
were Very Liberal accounted for 19% of the sample while Mothers who 
were Very Conservative represented 4% of the sample.


------------------------------------------------------------------------
                                       # of Mothers
                                        Responding     Percent of Sample
------------------------------------------------------------------------
Very Liberal                                       57              18.6%
------------------------------------------------------------------------
Liberal                                           114              37.1%
------------------------------------------------------------------------
Moderate                                           90              29.3%
------------------------------------------------------------------------
Conservative                                       23               7.5%
------------------------------------------------------------------------
Very Conservative                                  13               4.2%
------------------------------------------------------------------------
Other                                              10               3.3%
------------------------------------------------------------------------
                                                  307             100.0%
------------------------------------------------------------------------

                           State of Residence

Mothers reside in 41 states. The states that have the most 
representation are California (48), Florida (39), New York (21), 
Virginia (17), North Carolina (15), Illinois (12), Texas (11), and 
Wisconsin (11).

                                 ______
                                 
                     Democrats for Life of America

                     10521 Judicial Drive, Unit 200

                        Fairfax, Virginia 22030

                             (703) 424-6663

                       [email protected]

The Honorable Ron Wyden
Chairperson
United States Senate
Committee on Finance
219 Dirksen Senate Office Building
Washington, DC 20510-6200

The Honorable Mike Crapo
Ranking Member
United States Senate
Committee on Finance
219 Dirksen Senate Office Building
Washington, DC 20510-6200

Dear Chairperson Wyden, Ranking Member Crapo, and Members of the 
Committee:

Thank you for convening and participating in your committee's important 
hearing on paid leave. We share your confidence that federal action in 
this arena can redound to the benefit of American businesses, workers, 
and families, and find it imperative that Congress act to make these 
potential gains a reality for all Americans.

As proud pro-life Democrats, we advocate for the protection of 
vulnerable people in every circumstance. Paid leave not only supports 
workers who face significant health challenges, it also empowers 
workers to care for loved ones precisely during moments of greatest 
need. Increased investment in paid leave by the federal government and 
businesses will strengthen American families; in turn, families with 
higher well-being will invigorate businesses, both as productive 
workers and as stable customers.

We would specifically like to highlight the importance of parental 
leave. We are convinced that expanded access to parental leave will 
benefit mothers, fathers, children, families, and our society as a 
whole. Notably, parental leave has the potential to serve as a 
consensus-winning policy that will decrease demand for abortion and 
thus reduce some of the bitter, partisan, polarizing fighting over 
abortion's legal status.

We look forward to the hearing, to continued discussion, and to federal 
action in support of paid leave.

Sincerely,

Democrats for Life of America

                                 ______
                                 
                      The ERISA Industry Committee

                     701 8th Street, NW, Suite 610

                          Washington, DC 20001

                           Main 202.789.1400

                         https://www.eric.org/

Chairman Wyden, Ranking Member Crapo, and Members of the Committee, 
thank you for the opportunity to submit a statement for the record on 
behalf of The ERISA Industry Committee (ERIC) for the hearing entitled 
``Exploring Paid Leave: Policy, Practice, and the Impact on the 
Workforce.'' This hearing addresses a valuable benefit that millions of 
Americans receive today voluntarily through large employers.

ERIC is a national advocacy organization exclusively representing the 
largest employers in the United States in their capacity as sponsors of 
employee benefit plans for their nationwide workforces. With member 
companies that are leaders in every economic sector, ERIC is the voice 
of large employer plan sponsors on federal, state, and local public 
policies impacting their ability to sponsor benefit plans. ERIC member 
companies offer benefits to tens of millions of employees, located in 
every state, city, and Congressional district. Your constituents engage 
with ERIC member companies many times a day, such as when they drive a 
car or fill it with gas, use a cell phone or a computer, watch TV, dine 
out or at home, enjoy a beverage or snack, use cosmetics, fly on an 
airplane, visit a bank or hotel, benefit from our national defense, 
receive or send a package, or go shopping.

For decades, employers like ERIC member companies have designed and 
administered gold-standard paid leave benefits to support and empower 
their nationwide workforces when time away from work is needed. 
Unfortunately, a growing patchwork of inconsistent state and local paid 
leave laws imposing a broad range of complex and incompatible 
compliance standards threatens to make offering these benefits 
untenable for employers.

 Large Employers Offer Paid Leave to their Nationwide Workforces

Congress passed the Family and Medical Leave Act (FMLA) in 1993 with 
bipartisan support, securing access to unpaid leave and job protection 
for millions of Americans to bond with a newly born or adopted child, 
care for an ill family member, or tend to a serious medical issue of 
their own. Over the thirty years since this landmark law was enacted, a 
lack of wage replacement for employees on leave has generated increased 
interest in paid leave benefits.

Large, multistate employers have responded for decades by designing and 
administering effective paid leave benefits programs now enjoyed by 
millions of Americans and their families across the country. These 
proven voluntary benefits programs have long granted workers the 
critical financial support and flexibility that they want and need when 
away from work. ERIC member companies take pride in the paid leave 
benefits they provide, and the benefits aid in recruiting and retaining 
excellent employees. Ultimately, providing uniform benefits nationwide 
allows companies to efficiently design and administer their programs, 
resulting in high quality benefits for a greater number of workers.

 State Paid Leave Laws Create an Unworkable Patchwork that Makes

 Uniformity Impossible

Beginning with California in 2002, and most recently including 
Minnesota and Maine in 2023, 13 states and Washington, D.C. have now 
enacted mandatory, 
government-administered paid family and medical leave insurance 
programs. Unfortunately, these state programs operate altogether 
independently from one another, each collecting income-based 
contributions to fund benefits for qualifying workers while adopting 
entirely unique combinations of compliance requirements for employers 
and employees. Too often, they do not recognize the value of existing 
employer-provided benefits.

This piecemeal approach has forced employers and employees to try to 
navigate a complex and ever-changing amalgam of state and local 
standards. Even more concerning, state politicians do not seem to be 
slowing down anytime soon; more than 300 paid family leave bills have 
been introduced and considered across nearly every state in recent 
years. Even some localities have gotten into the act, further 
complicating the situation.

The variance between these state and local laws does not amount to a 
simple difference in leave duration or level of wage replacement; 
rather, it includes an array of legal definitions and administrative 
processes that make it impossible for multistate employers to comply 
while operating a uniform benefits program across the country. In fact, 
there are more than 50 different variable policy ``levers'' that state 
laws consider and establish, all of which introduce administrative 
burdens and necessitate costly system changes. Some categories of these 
variables include:

      Duration of Leave--The amount of paid leave time available to an 
employee is not as simple as setting a total number of weeks available 
for all covered circumstances, but must also establish guidelines for 
the amount of leave that can be used for individual types of leave 
(such as parental, family, and medical), permissible use of incremental 
leave, minimum increments of leave, and the limitation of parental 
leave when both parents are with the same employer.

      Reasons for Leave--Similarly, the core concepts and legal 
definitions of what paid family and medical leave includes must be 
established by state lawmakers, including definitions for family, 
parental, medical, ``safe leave,'' ``qualifying exigency,'' public 
health emergency, maternity, pregnancy complication, and other types of 
covered leave. Not only do different state policies include or exclude 
different types of leave, but they regularly categorize or define them 
differently as well.

      Family Member Definitions--State lawmakers often adopt unique 
definitions for which family members an employee may take paid leave. 
While nearly every state law now goes beyond the coverage established 
by the FMLA (parents, spouses, and children) and includes grandparents, 
grandchildren, and siblings, an increasing number of states have also 
each adopted their own versions of ``catch-all'' family member 
definitions that present serious compliance and abuse concerns for 
employers and state administrators alike. For example, some of these 
definitions include other individuals ``related by blood or affinity 
that is akin to a family relationship'' without providing much-needed 
guidance as to what relationships qualify or what plausible limitations 
remain.

      Employee Eligibility--Parallel to the benefits available to 
employees, lawmakers must establish which employees are covered by 
state paid leave and what milestones must be reached in order for an 
employee to qualify for benefits. These standards include, but are not 
limited to, the time worked for an employer, the total wages earned in 
a base period or calendar year, total contributions paid into the state 
program, coverage of independent contractors or seasonal workers, and 
which state's paid leave law ultimately applies to an individual 
worker. These standards are not only tracked and met by state 
administrators, but by employers as well, adding additional indirect 
compliance costs.

      Employer Coverage--Similarly, state lawmakers must decide which 
employers are covered by a state paid leave program. These 
determinations are usually made based on the number of employees an 
employer has within the state and also involve the portion of payroll 
contributions that the employer must cover.

      Notice to Employees--Each state policy introduces a range of 
notice and reporting requirements by which employers must educate their 
employees on the availability of state paid leave benefits or 
continuing to provide private benefits. Because states often expand the 
information that must be contained in these disclosures, and the time, 
manner, and regularity of notices vary, these processes can quickly 
develop into a costly burden for employers.

      Wage Replacement--State programs differ widely on the level of 
wage replacement that employees receive when receiving state paid leave 
benefits. Again, this is not as simple as setting a replacement rate, 
but instead involves a series of calculations including percentage of 
ordinary employee wages, percentage of state average weekly wages, and 
total caps on weekly wage replacement benefits that employees can 
receive. The result is an overly complicated process that leaves a vast 
number of employees with levels of paid leave benefit wage replacement 
that is far lower than they would have otherwise received from their 
employer.

      Contribution Rate--The payments that employees and employers 
must make into state programs to fund benefits vary, creating another 
level of administrative complexity for multistate employers. These 
policy standards cover the capped percentage of an employee's wages 
that must be contributed, the authority of state administrators to 
change contribution rates in the future, and the contribution breakdown 
between employers and employees.

      Job Protection While on Leave--While job protection is a 
cornerstone of both unpaid and paid leave, state lawmakers have broadly 
defined these protections with variations establishing the rights an 
employee has when returning to work, requiring benefits and seniority 
to continue accruing while away from work, broadening definitions of 
``equivalent position'', and even applying legal presumptions of 
discrimination by employers.

      Coordination of Benefits--A critical area of policy design 
revolves around how new state paid leave benefits are to interact with 
other sources of paid leave as well as related employee benefits that 
involve time away from work. As they formulate state programs, 
lawmakers must consider how to coordinate these benefits with the FMLA, 
state unpaid leave, state long-term disability laws, state paid sick 
leave or paid time off laws, existing employer-provided leave benefits, 
and collective bargaining agreements, to prevent overlap or conflict. 
Furthermore, lawmakers must consider how the benefits and legal 
definitions that they create relate to or can be better harmonized with 
other state paid leave laws.

      Substitution of Equivalent Employer Benefits Plans--Perhaps the 
most consequential area of state paid leave policies for large, 
multistate employers is the ability to provide private paid leave 
benefits that meet or exceed those offered by the state program and 
therefore be granted an exemption from mandated participation in the 
state program. While this is a valuable option that allows many 
employees to continue enjoying the benefits they already have, it is 
far from straightforward. In fact, state lawmakers must establish a 
range of standards and processes to secure this path, including minimum 
benefits standards, enumerated rights of employees under an equivalent 
plan, required surety bond with the state, application process to state 
administrators, state oversight of applications and appeals for 
substitution, regular employer recordkeeping, and reporting 
requirements.

      State Preemption of Local/Municipal Laws--Just as national paid 
leave uniformity is critical to design and provides reliable benefits 
across multiple states, paid leave uniformity within a state must be 
maintained for employers and employees to follow. As state lawmakers 
develop paid leave policies, they must consider the impact that 
conflicting local or municipal paid leave policies have on uniformity 
and benefits administration. To prevent this patchwork within a 
patchwork, a statewide preemption clause should be included in state 
legislation.

      Administrative Processes--Finally, state paid leave policies 
introduce a long list of administrative processes that, if handled 
poorly, can create counterproductive cost burdens and compliance 
challenges for employers and employees. These processes include 
employee applications for state program benefits, timelines for 
approval or denial of benefits, timelines for payment of benefits, 
waiting periods for employees before using certain types of leave, 
employee appeals for denied applications, complaints to a state 
regarding employer administration, investigation and enforcement 
processes, recordkeeping and reporting requirements, and data sharing 
between employers and state administrators to facilitate supplemental 
private benefits.

 The Patchwork Creates a Catch-22 For Employers and Worse Benefits for

 Employees

A fragmented state-by-state approach has created a catch-22 in which 
even multistate employers that want to adopt and provide a generous 
paid leave benefit for all nationwide employees based on the common 
denominators among state programs would currently be unable to do so. 
Ultimately, complex state program standards and costly compliance 
processes discourage many employers from exploring new and innovative 
approaches to paid leave. Instead, they are all-too-often forced to 
enroll in state programs that cannot match the quality of benefits or 
ease of access their employees previously received.

Furthermore, the quality and value of benefits provided by state paid 
family leave programs regularly pale in comparison to their more robust 
employer-provided equivalents, which often grant full wage replacement 
and a far easier administrative process for employees most in need of 
leave without the hassle of wage-based contributions.

At the same time, because large, multistate employers are forced to 
adapt to a constantly shifting paid leave landscape on a jurisdictional 
basis, they need to spend significantly more to track and comply with 
new or updated state laws--ironically, money that then cannot be spent 
on more generous paid leave benefits for their employees. It becomes 
increasingly clear, then, that many of the workers covered by these 
state programs would be far better served by a uniform national 
framework of paid leave standards that recognize the value and support 
that voluntary, 
employer-provided benefits are uniquely able to provide.

 Congress Should Act to Ensure that Employers Can Offer Uniform 
                    Benefits

 Nationwide

Federal relief is desperately needed to address this reality, and 
finding the right approach to both national uniformity and improved 
access is key. ERIC continues to support a federal ``safe harbor'' that 
would establish core federal paid leave standards and allow employers 
that design and provide benefits on a national basis that meet these 
federal standards to maintain immunity from contradictory or 
counterproductive state laws or programs. This approach would provide 
employees across the country with a tide that lifts all boats--creating 
a foundation for what paid leave benefits encompass, encouraging 
multistate employers to provide innovative and generous benefits, and 
building a nationwide legislative infrastructure to discourage states 
from ``starting from scratch.''

Short of a safe harbor for multistate employers already offering these 
valuable benefits, a parallel effort could be undertaken to harmonize 
the range of existing state and local paid leave standards that 
continue to proliferate and diverge from one another. Because existing 
programs currently do not interact with one another or the federal 
government in any way, both employers and employees lack the central 
framework of understanding they need to navigate the growing list of 
compliance requirements. Congress could help establish such a framework 
and incentivize states to participate in a shared approach. Such an 
effort would have many benefits: it would encourage the creation of 
uniform paid leave definitions, formulate equivalency standards, and 
encourage the adoption of more interchangeable paid leave requirements 
through grants or other federal incentives. Fostering coordination 
between disparate state policies would go a long way to reducing the 
challenges that employers, employees, and state administrators continue 
to face.

                               Conclusion

ERIC understands the importance of exploring expanding paid leave 
coverage to those that do not already have access to the benefit. 
However, many multistate employers already offer generous benefits and 
need federal help to be able to continue to provide uniform programs 
nationwide. A viable federal paid leave policy must provide relief from 
the counterproductive consequences that the state and local patchwork 
imposes on employers, workers, and their families.

                                 ______
                                 
                               Etsy, Inc.

                            117 Adams Street

                           Brooklyn, NY 11201

    Statement of Jeffrey Zubricki, Global Head of Public Policy and 
                                Advocacy

Etsy respectfully submits the following statement for the record in 
response to the U.S. Senate Finance Committee Hearing held on October 
25th, 2023 on Exploring Paid Leave: Policy, Practice, and Impact on the 
Workforce.

At Etsy, we've been encouraged by the bipartisan and bicameral efforts 
to find solutions at the federal level for paid family medical leave 
that is accessible, flexible and that meets the needs of employers of 
all sizes. Late last year, House members launched a Bipartisan Paid 
Leave Working Group, which is identifying and exploring paid leave 
policy solutions that assist businesses and families. In the Senate, 
we've seen several hearings that explore paid leave solutions, as well 
as legislative efforts from Senators on both sides of the aisle.

Etsy has long functioned as a pathway to entrepreneurship by creating 
opportunities for people who might not have started a business 
otherwise. The majority of our 6 million sellers made their first ever 
sale of handmade or vintage goods on Etsy. 81% of our sellers are women 
and the vast majority are businesses of one working out of their homes, 
one in four of which are in rural communities. One of the main barriers 
we hear from our sellers when trying to grow their businesses is a lack 
of access to paid leave benefits. If they have a child or get sick, 
there is no one to fill in for that time. It almost always means lost 
revenue, and for sellers who are full time artisans or creators running 
their own micro businesses, that could mean losing income that supports 
their families or pay their bills.

We strongly believe that offering comprehensive paid leave benefits to 
our employees is not only the right thing to do, but it's good for 
business. Etsy designed our own paid leave policies to support 
employees at all life stages. This is why our employee leave policies--
including 26 weeks of fully paid parental leave and 12 weeks of paid 
family leave--are designed to be flexible, gender-neutral and to 
provide our employees with the comfort of knowing that they do not have 
to choose between their families and their jobs. We're proud that men 
and women take parental leave in roughly equal numbers at Etsy.

We agree that there is no ``one size fits all'' solution to paid leave. 
Small and micro businesses don't have the same kinds of resources as 
large companies to support or administer paid leave benefits, 
potentially resulting in a hiring and retention disadvantage. At the 
same time, as of 2022, over half (60%)\1\ of America's largest public 
companies are offering paid leave benefits to employees. We believe 
that any paid leave policy should be flexible to meet the needs of 
businesses of all sizes, but especially small and self-employed 
business owners.
---------------------------------------------------------------------------
    \1\ https://justcapital.com/reports/only-9-percent-of-largest-us-
companies-offer-at-least-12-weeks-of-paid-parental-leave-parity/
#::text=Disclosure%20of%20a%20paid%20parental,to%2047%25%
20the%20year%20before.

We also believe that paid leave policies must be inclusive of, and 
accessible to the self-employed. Several existing state paid leave 
programs do not allow the self-
employed to opt in. Other states, like New York and California, impose 
long waiting periods before the self-employed can access benefits. Cost 
is often another barrier. Premiums for the self-employed can vary 
widely depending on the state. Self-
employed individuals may often pay higher contribution rates or overall 
annual premium amounts than employees depending on the formula the 
state uses. For example, in California, the current premium rate for 
self-employed individuals is generally 6.93% of the first $153,164 of 
net income \2\ while the employee contribution rate is 0.9% of up to 
$153,164 in annual wages.\3\ We believe in supporting accessible and 
affordable national policies that enable parents and families, 
regardless of gender, to play equal roles in building successful 
companies and nurturing their families.
---------------------------------------------------------------------------
    \2\ California Employment Development Department Self-Employed 
Benefit Amounts 2023, https://edd.ca.gov/en/disability/Self-
Employed_Benefit_Amounts/.
    \3\ California Employment Development Department Employee 
Contribution Rates 2023, https://edd.ca.gov/en/disability/
Contribution_Rates_and_Benefit_Amounts/.

Thank you for your consideration of these issues. Etsy looks forward to 
working with Congress to ensure that the interests of America's self-
employed and small businesses are represented as Congress moves forward 
with these important measures to address paid leave. We are eager to 
work together to help America make this needed investment in our 
---------------------------------------------------------------------------
children, for our families and for our economy.

Thank you.

                                 ______
                                 
                      Family Values @ Work et al.

                    207 E Buffalo Street, Suite 501

                       Milwaukee, Wisconsin 53202

                             (414) 436-9536

                    https://familyvaluesatwork.org/

October 25, 2023

Chairman Ron Wyden                  Ranking Member Mike Crapo
United States Senate                United States Senate
Washington, DC 20510                Washington, DC 20510

CC: Senate Finance Committee Members

Dear Chairman Wyden and Ranking Member Crapo:

Family Values @ Work (FV@W) and our movement network grew from the 
reality that valuing caregiving and enabling people to be good 
providers and family members are essential to achieving racial, gender, 
disability, immigrant, and economic justice. For twenty years, our 
movement has shaped the debates around Paid Sick and Safe Days (PSSD) 
and Paid Family and Medical Leave (PFML), engaged a wide range of 
partners, and guided the development of the most inclusive policies to 
date, and with our Network Members, have passed paid leave in 14 states 
including Washington, DC, and paid sick and safe days in more than 50 
jurisdictions.

As you all know well, thirty years ago, President Clinton signed the 
Family and Medical Leave Act (FMLA), which established that (many but 
not all) workers could take unpaid, job-protected leave to care for 
themselves or (some of their) families. It was the first, and so far 
only, national law protecting workers needing time to care.

It was a critical victory as the first federal law established that 
having a family shouldn't cost you your job or health insurance. Yet 
the FMLA excludes 40 percent of the workforce, and many who are 
eligible cannot take the time they need because they can't afford to be 
without pay. The law's narrow definition of family leaves out many who 
need time to care for a loved one.

Tomorrow's hearing represents an important step toward prioritizing the 
passage of job-protected Paid Family and Medical Leave during the 118th 
Congress.

Our movement has brought together more than 2,000 diverse partner 
organizations and engaged thousands affected by the lack of paid family 
and medical leave. We fight for these issues because we know the 
building blocks of upward economic mobility--job retention, raises, 
promotions, and asset development--depend on access to paid family and 
medical leave, paid sick and safe days, and affordable child care. When 
taking time for caregiving leads to job or pay loss, economic 
opportunity dries up.

We know from experience that without prioritizing accessibility, 
affordability, and adequate duration of leave, a paid leave program 
will not meet the needs of millions of Americans. The following 
principles should guide the creation of policy moving forward. Federal 
PFML policy must:

      Be equitable in its impact, especially considering the needs of 
low-wage, BIPOC, female, LGBTQIA, disabled, immigrant, part-time, and 
non-traditional workers;

      Support healthier outcomes across the age span for all workers 
and families;

      Ensure that every worker keeps their health insurance during 
leave and has a job to come back to after taking leave;

      Protect the gains of states that paved the way for our proposed 
federal advances.

At a minimum, paid leave must include the following policies to promote 
equitable access and healthier outcomes:

      Ensure a universal, publicly administered, and permanent paid 
leave program. State experiences show that it takes many years to 
implement a program that voters have time to access and take advantage 
of. Permanence will ensure that all who need paid leave can access it.

      Include all four FMLA-covered conditions in a permanent program 
including care to welcome a new child, care for yourself, care for a 
loved one, family military leave, and, additionally, safe time for 
self-care and family caregiving purposes. This must include 
intermittent leave.

      Make benefit amounts progressive and affordable. Benefits should 
aim to provide the full wage replacement but start at no less than 90% 
replacement of usual wages for the lowest earners.

          Low-wage workers are among the least protected due to the 
        current paid leave provisions. With new findings showing that 
        full-time minimum wage workers can't afford rent anywhere in 
        the US anymore,\1\ it is unacceptable for legislators to offer 
        wage replacement that is too low a portion of that income.
---------------------------------------------------------------------------
    \1\ https://www.cnbc.com/2021/07/14/full-time-minimum-wage-workers-
cant-afford-rent-anywhere-in-the-us.html

---------------------------------------------------------------------------
      Maintain a minimum of 12 weeks of leave.

          12 weeks is often not enough to care for a dying parent, 
        welcome a new child, or receive treatment and recover from 
        serious health conditions such as cancer. Workers in physically 
        demanding jobs, disproportionately BIPOC workers, would be 
        especially harmed by reducing weeks of leave.

          Many common surgeries require at least 6 to 8 weeks of 
        recovery (assuming no complications), including C-sections 
        (which account for 32% of births).\2\ Therefore, 8 weeks would 
        still force some to return to work before medically ready.
---------------------------------------------------------------------------
    \2\ https://www.cdc.gov/nchs/fastats/delivery.htm.

      Keep eligibility requirements simple, understandable, and based 
on currently collected data. State programs typically look at data from 
4 of the last 5 completed quarters. The most recently adopted standards 
in Oregon and Colorado set a threshold of $1,000 in earnings in the 
---------------------------------------------------------------------------
lookback period and provide a good model for equitable access.

      Require employers seeking reimbursement to meet every federal 
standard, including equitable oversight of denials and appeals and data 
collection of applicants. Employers should not be able to seek federal 
reimbursement unless they meet all programmatic standards at a minimum 
of either the federal or state program.

      Allow state programs to continue operating. States will need at 
least a three-year window to comply with all federal standards, 
including federal reimbursement for federal base benefits, 
administrative costs, and technology upgrades to interface with the 
federal program.

      Develop program materials, applications, and outreach strategies 
that reach communities whose first language isn't English or who have 
limited English proficiency.

      Establish worker and small business advisory boards that help to 
guide equitable implementation of a paid family and medical leave 
program. Workers, families, business owners, and administering agencies 
in already-existing programs have reported this need to our Network 
Members repeatedly.

      Honor the inherent Tribal Sovereignty of the over 570 federally 
recognized Tribal Nations by going through consultation reconciliation 
processes with bodies such as the Tribal and Indigenous Advisory 
Council to create the best solutions for how Tribal Government 
employees and Tribally-enrolled individuals can access paid family and 
medical leave.

We look forward to working with this Congress to champion guaranteed 
paid family and medical leave, paid sick and safe days, and all of the 
policies we know create shared prosperity for working people including 
affordable child care, living wages, supporting workers' involvement in 
unions, access to healthcare, and fair and accessible elections that 
ensure every voter's ballot matters. The families we represent 
literally cannot afford anything less than a comprehensive paid leave 
program. Together, we can transform the nation's care economy.

Sincerely,

National Partners

Equal Rights Advocates
Family Values @ Work
Main Street Alliance
9 to 5, National Association of Working Women

Arizona

Corazon Arizona
Poder Latinx--Arizona

California

California Federation Business and Professional Women
California WIC Association
California Work & Family Coalition
Center for Community Action and Environmental Justice
Evolve California
Family Caregiver Alliance
First 5 California
Friends Committee on Legislation of California
Human Impact Partners
LA Best Babies Network
Legal Aid at Work
National Council of Jewish Women--Los Angeles
Public Counsel
Santa Clara County Wage Theft Coalition

Colorado

9 to 5--Colorado

Connecticut

She Leads Justice

District of Columbia

Many Languages One Voice (MLOV)

Florida

Poder Latinx--Florida

Georgia

Poder Latinx--Georgia
9 to 5--Georgia

Hawaii

Hawai`i Children's Action Network Speaks!

Illinois

Women Employed

Maryland

United Workers

Massachusetts

Coalition for Social Justice

Michigan

Mothering Justice

Minnesota

TakeAction Minnesota

Nevada

Make It Work Nevada
Nevada County Citizen for Choice

New Jersey

New Jersey Citizen Action
New Jersey Time to Care Coalition

New York

Citizen Action New York

North Carolina

LGBT Center of Raleigh
North Carolina Council of Churches
North Carolina Families Care Coalition
North Carolina Justice Center
United Steel Workers
Women AdvaNCe

Oregon

Family Forward Oregon

Pennsylvania

Black Women's Policy Center

Rhode Island

Economic Progress Institute
Rhode Island Black Business Association
Rhode Island Coalition Against Domestic Violence
Rhode Island KIDS COUNT
Rhode Island Parent Information Network
Right from the Start Campaign
Senior Agenda Coalition of Rhode Island

Texas

Workers Defense Project

Washington

Economic Opportunity Institute

Wisconsin

9 to 5--Wisconsin

                                 ______
                                 
                         HR Policy Association

                    4201 Wilson Blvd., Suite 110-368

                          Arlington, VA 22203

                              202-375-5011

                         https://www.chro.org/

October 24, 2023

Dear Senate Finance Committee Colleagues,

In anticipation of tomorrow's Senate Finance Committee hearing entitled 
``Exploring Paid Leave: Policy, Practice, and Impact on the Workforce'' 
and as lawmakers pursue legislative proposals I am writing to offer HR 
Policy Association staff and members as a resource to aid in your 
efforts. HR Policy member companies understand the importance of paid 
family and medical leave and already provide generous benefits that 
generally extend beyond what is currently required under federal, 
state, and local law. Our members have expertise in implementing paid 
leave benefits across the nation.

HR Policy Association \1\ is the lead organization representing the 
Chief Human Resource Officers of major employers. The Association 
consists of more than 390 of the largest corporations doing business in 
the United States and globally, and these employers are represented in 
the organization by their most senior human resource executive. 
Collectively, their companies employ more than ten million employees in 
the United States--nearly nine percent of the private sector 
workforce--and 20 million employees worldwide. The Association brings 
these executives together not simply to discuss how human resource 
practices and policies should be improved, but also to create a vision 
for successful HR strategies and pursue initiatives that promote job 
growth, employment security and competitiveness.
---------------------------------------------------------------------------
    \1\ http://www.hrpolicy.org/.

According to an HR Policy Association survey of its membership, 83% of 
respondents said they offer their own short-term disability plan that 
employees can use for Family and Medical Leave Act (FMLA) purposes, a 
separate paid family leave program, or both. Since our initial survey 
of membership, the world of work has been altered dramatically and we 
expect that the number of employers voluntarily offering paid leave 
---------------------------------------------------------------------------
benefits has increased to meet the evolving needs of the workforce.

As the Committee considers a Federal paid leave insurance program, 
consider the questions below. The questions were informed by HR 
Policy's Employment and Labor Group,\2\ members of the Association who 
are directly responsible for employment and labor relations matters in 
their respective companies. The Employment and Labor Group's mission is 
to guide the Association's advocacy on workplace policies of concern to 
HR Policy Association members.
---------------------------------------------------------------------------
    \2\ https://www.hrpolicy.org/initiatives/employment-and-labor-
group/about-elg/.

Q: How would a federal paid family and medical leave insurance program 
---------------------------------------------------------------------------
coordinate and interact with existing employer programs?

It is critical that a federal program be tailored to allow flexibility 
to employers that choose to continue their existing leave programs 
without imposing additional, substantial compliance burdens associated 
with a federal program. In addition, will there be a mechanism in place 
for employers to know, in real time, the benefits current employees are 
receiving under the federal program? Transparent and timely information 
will be paramount to the success of any federal paid FMLA program. If 
employees become eligible to receive federal paid leave benefits, are 
there ways the program should be structured to remove any disincentives 
for employers to provide their own benefits, such as those that may 
have already been subject to collective bargaining with unions?

Q: How will a federal program coordinate and interact with existing 
state and local programs?

Most large employers already offer competitive paid family and medical 
leave benefits, often exceeding what is required under state and local 
laws and what would likely be required under a potential federal 
program. The central issue for multi-jurisdictional employers is not 
the level of benefits required under applicable laws, but the 
compliance burden (including the coordination and administration of 
benefits) associated with the increasing patchwork of conflicting state 
and local leave laws. Differing state and local requirements make it 
difficult for employers with operations in several jurisdictions to 
offer uniform benefit plans for all or most of their employees. For 
example, the only way to offer concurrent paid leave programs is for 
the state to be primary and the employer plan to be secondary. In doing 
so, the employee must apply and receive pay from the state (which is 
generally not timely) and supplement from the employer instead of 
receiving full pay from the employer for a company benefit they are 
already entitled to and employees from other states automatically 
receive. In recognition of this, a federal program should operate as a 
national standard, under which an employer would be exempted from state 
and local requirements if it was in compliance with such a standard. 
The Workflex in the 21st Century Act (H.R. 4248) addresses this issue.

Q: How will a federal program be funded?

Existing state and local paid family and medical leave programs are 
funded through some form of a payroll tax--either on the employer, the 
employee, or both. Many employers are therefore already familiar with a 
leave program being funded through a payroll tax. Historically, 
legislative proposals have proposed to fund the program through general 
revenues. There are pros and cons with both approaches.

Placing the tax on both the employer and the employee could ensure that 
both parties have an appropriate stake in the benefit program, which 
could disincentivize abuses. Additionally, a payroll tax affords a 
level of stability in ensuring that a federal program would remain 
adequately funded without further financial burdens placed on employers 
or employees. If a payroll tax is used under a federal program, 
employers who already provide paid leave benefits comparable to what 
would be required under the program should be entitled to opt out of 
the program and/or receive an offset based on what they are already 
providing. Without such an opt-out or offset mechanism, employers would 
be disincentivized from continuing to offer their own generous leave 
benefits exceeding what is required under a federal standard, resulting 
in benefit reductions for employees.

With regard to funding a federal program through general revenues only, 
the obvious advantage to this approach is that, in theory, there would 
not be any new financial burdens placed on employers or employees 
directly associated with the federal paid leave program. Nevertheless, 
to ensure the program remains adequately funded, funding through 
general revenue would likely require increased corporate tax rates and/
or increased taxes on high-income earners, either in conjunction with 
the rollout of a federal program and/or in future years.

Q. Under a federal program, who would make eligibility determinations?

Currently, employers make decisions regarding who is eligible for leave 
under the FMLA. If an employee disagrees with an employer's decision, 
their remedy is to sue or bring an administrative charge. Under a 
federal paid family and medical leave program, would eligibility 
determinations be made by specialized federal claim adjudicators? Such 
an approach would inappropriately leave employers out of a process that 
they are best equipped to manage. Alternatively, would employers 
continue to make eligibility determinations for unpaid leave under 
FMLA, while federal claim adjudicators make decisions for paid leave 
benefits? This could result in divergent conclusions for similar or 
identical requests for leave, creating numerous complications for both 
employers and their employees.

Q. Under a federal program, which party/parties will police potential 
abuse of benefits?

A federal program should include a transparent process for policing 
potential abuse of benefits. Unchecked leave abuse can leave employers 
strained for sufficient workers, threatening the viability of their 
operations. Although employers may be best placed to police potential 
leave abuse, this approach may place an unsustainable administrative 
burden on employers. If the federal government is responsible for 
policing potential leave abuse, employers should be given an 
administrative process to submit claims of potential leave abuse that 
are resolved in a timely and transparent manner.

For questions, additional information, a Hill briefing, or general 
inquiries about workplace matters including paid leave benefits, feel 
free to contact me at [email protected].

Chatrane Birbal
Vice President
Public Policy and Government Relations

                                 ______
                                 
                            IBM Corporation

                      600 14th St., NW, Suite 300

                          Washington, DC 20005

International Business Machines Corporation (IBM) appreciates the 
opportunity to submit a statement for the record regarding the U.S. 
Senate Finance Committee's hearing on paid leave.\1\
---------------------------------------------------------------------------
    \1\ Paid leave programs typically provide wage replacement to 
eligible workers for specific and significant purposes: i) family 
caregiving needs (i.e., to care for a family member with a serious 
health condition or to care for a newborn or newly adopted/fostered 
child); or ii) an employee's own medical needs (i.e., to recover from a 
serious health condition).
---------------------------------------------------------------------------

1. IBM Recognizes That Paid Leave is Critical.

For more than 100 years, IBM has been committed to a ``people-first'' 
workplace culture. We strive to create and foster a supportive, 
flexible work environment that supports IBMers and their families with 
critical benefits like paid time off to welcome a new child or manage 
their own or a loved one's serious health condition.

Our paid leave benefit programs are generous and expansive.\2\ Our 
regular full time and part time U.S. employees receive:
---------------------------------------------------------------------------
    \2\ IBM also provides regular full-time employees with a maximum of 
12 paid holidays and a minimum of 120 hours of paid vacation. Long-term 
disability benefits are available to eligible employees.

        --  Up to 26 weeks of short-term disability benefits, i.e., 
        own-medical leave (13 weeks at full pay and another 13 weeks at 
        a minimum of two-thirds of their pay);
        --  Up to 12 weeks of parental bonding leave for new, eligible 
        parents at full pay (whether newborn, adoption, or foster 
        placement);
        --  Paid care leave at full pay for family care, marriage, or 
        bereavement--ranging from three days to four weeks, depending 
        on the use; and
        --  A minimum of 56 hours of paid sick leave annually.

2. Employer-Based Paid Leave Is Part of the Solution.

As a large business with employees in all 50 states, IBM understands 
the importance of providing equitable and user-friendly benefits to our 
workers regardless of geography. IBM also believes that all workers in 
the United States deserve access to paid leave benefits, and small 
employers may find it particularly difficult to fund these benefits and 
manage work during employee leaves.

While government can play an essential role in filling the gaps in paid 
leave benefit offerings, employers can--and many do already--provide 
access to robust, efficient, and effective leave benefits.

 3. Multiple, Individual Paid Leave Programs Present Complex Challenges 
                    Across States.

In the absence of federal action, 13 states and DC have now enacted 
state paid family and medical leave programs (bulleted below).\3\ This 
includes four more states since negotiations stalled on the larger 
House-passed budget reconciliation bill in 2021.\4\
---------------------------------------------------------------------------
    \3\ The early state adopters of paid leave built paid family 
caregiving leave as a complement to existing decades-old temporary 
disability insurance (TDI) programs that date back to the 1940s. The 
states that followed built new combined paid family and medical leave 
programs.
    \4\ In Nov. 2021, the U.S. House passed legislation to establish a 
national paid leave program; see H.R. 5376, engrossed in the House 
(Title XIII, Subtitle A); https://www.congress.gov/bill/117th-congress/
house-bill/5376/text/eh.
---------------------------------------------------------------------------
        --  Thirteen states and DC have enacted state paid family and 
        medical leave programs: California (2002), New Jersey (2008), 
        Rhode Island (2013), New York (2016), Washington (2017), 
        District of Columbia (2017), Massachusetts (2018), Connecticut 
        (2019), Oregon (2019), Colorado (2020), Delaware (2022), 
        Maryland (2022), Minnesota (May 2023), and Maine (July 
        2023).\5\
---------------------------------------------------------------------------
    \5\ Several of the most recently created programs are not yet 
paying benefits: Colorado (Jan. 2024); Delaware, Maryland, and 
Minnesota (all Jan. 2026); and Maine (May 2026).
---------------------------------------------------------------------------

 4. Congress Has an Opportunity to Build a Bridge to National Paid 
                    Leave.

We believe that paid leave is a bipartisan issue, but a national 
approach to paid leave has eluded Congress for more than a decade now 
despite its growing popularity and recognition of its importance.

The lack of uniformity and connective tissue across existing state paid 
leave programs has hindered the goal of advancing a national solution 
for paid leave.

While the 13 states and DC with paid leave programs share a common 
purpose--to provide workers with access to paid leave benefits--the 
structural variations in how they were built and designed result in 
fundamental differences in standards, definitions, requirements, and 
processes. These programs were not designed to function in tandem with 
the program of another state, let alone with unique programs 
implemented in ten or more states, undermining the important goal of 
portability of benefits.

Impact on employers: Many states with paid leave programs allow for 
employer-based, private paid leave plans when plan benefits meet or 
exceed the state program benefits.\6\ However, there is no way for 
companies to thread the needle across existing paid leave states and 
offer a uniform, equitable set of benefits to all workers regardless of 
work location in the face of a growing number of programs with varied 
and sometimes inconsistent requirements.
---------------------------------------------------------------------------
    \6\ Many states allow private employer paid leave plans when their 
benefits meet or exceed the state program benefits. However, Rhode 
Island and Washington, DC, currently prohibit employer-provided plans. 
California allows for employer plans provided they are self-insured 
plans.

Employers also have significant administrative burdens in complying 
with state paid leave programs and determining where workers are 
covered if they work in multiple states for the purpose of collecting 
contributions and paying benefits, costing money that could be better 
---------------------------------------------------------------------------
spent funding employee benefits or other productive investments.

Impact on workers: This patchwork has led to inequity, 
unpredictability, and confusion for employees as they must navigate 
multiple sources of paid leave depending on their work location(s) and 
employer, particularly with the increase in hybrid work and employees 
who work in multiple states.

Impact on states: There is no system currently in place for state paid 
leave programs to exchange paid leave data, information, and best 
practices to improve the effectiveness of their programs, boost 
education and outreach, and enhance program integrity.

5. Call for Congressional Action.

Congressional legislation is needed to help drive improvements in 
coordination and harmonization of these benefits across the growing 
number of states with their own paid leave programs.

This can be done in a way that works for states, employers, and 
employees. Doing so would simplify the process for workers accessing 
these benefits, help employers offer a standardized paid leave benefit 
to their employees, and support greater fairness and portability for an 
increasingly mobile workforce.

We are committed to working closely with Congress to make progress on 
this effort.

Thank you for the opportunity to submit a statement for the record.

                                 ______
                                 
                  Letter Submitted by Jackie Martinez
Exploring Paid Leave: Policy, Practice, and Impact on the Workforce

Hearing Date: October 25th, 2023

To Whom it May Concern,

I want to say that I know I am privileged to have gotten a 12 week, 
fully paid maternity leave without having to use any of my personal 
time off. That should be the bare minimum, and it isn't. I know people 
who, depending on how long they've worked or how small their company 
is, don't even qualify for FMLA, the only nationwide law providing 
family leave--a law that only mandates that employers hold your job for 
12 weeks, not that they pay you while you're out. Parental leave in the 
United States needs a total overhaul. We have some of the worst--that 
is to say, none--parental leave laws in the developed world. Having 
paid maternity leave had a direct impact on my physical health, mental 
well-being, and stability of my entire family. I had reduced financial 
stress that allowed me time to focus on bonding with my premature twin 
boys. This privilege is not extended to our most vulnerable 
underprivileged families, who are likely to face higher stressors due 
to education levels, socioeconomic status, and racial discrimination. 
The research is endless on the positive impact that paid maternity 
leave has on not only the mother and baby but on the entire family and 
furthermore on our society's health.

Sincerely,

Jackie Martinez

                                 ______
                                 
                               MomsRising

                            October 24, 2023

The Honorable Ron Wyden
Chairman
U.S. Senate
Committee on Finance

Dear Chair Wyden,

MomsRising submits the following statement for the record as part of 
the Senate Committee on Finance hearing on ``Exploring Paid Leave: 
Policy, Practice, and Impact on the Workforce'' on October 25, 2023.

MomsRising is a grassroots organization with over one million members, 
including members in every state in our nation. Established in 2006, 
MomsRising and its members advocate for public policies that are 
critical for women and families, including maternal health, paid family 
medical leave, affordable childcare, universal pre-k, and more.

Paid family and medical leave is good for businesses, for our economy, 
for taxpayers, for public health, and for our families. Yet, our 
nation's current laws are failing parents and caregivers across the 
country, who are too often forced to neglect the needs of critically 
ill loved ones or must return to work shortly after welcoming a newborn 
or child. We are the only industrialized nation, and one of only six 
countries in the world, without a national paid family and medical 
leave policy. In fact, while a small percentage of people have access 
to paid family and medical leave through their work or through state 
law, our nation guarantees zero weeks of paid family or medical leave. 
At the same time, of the 186 countries that offer paid leave for new 
mothers, only one offers fewer than four weeks.\1\
---------------------------------------------------------------------------
    \1\ Miller, Claire Cain. ``The World `Has Found a Way to Do This': 
The U.S. Lags on Paid Leave.'' The New York Times, 25 Oct. 2021, 
www.nytimes.com/2021/10/25/upshot/paid-leave-democrats.html; Deahl, 
Jessica. ``Countries around the World Beat the U.S. on Paid Parental 
Leave.'' NPR, 6 Oct. 2016, https://www.npr.org/2016/10/06/495839588/
countries-around-the-world-beat-the-u-s-on-paid-parental-leave. 

A national paid family and medical leave policy would help businesses 
by carrying some of the cost when an employee must go on leave, while 
reducing recruitment and retraining costs, and raising employee 
productivity.\2\ Taxpayers benefit too: one study showed that paid 
family and medical leave reduced the need for food stamps by 40 
percent.\3\ Studies also show that infant and maternal health are 
improved when people have access to paid family and medical leave. This 
policy is cost-saving, life-saving, and business-lifting. Policies like 
paid family and medical leave would go a long way towards ensuring 
justice and equity in our systems of care.
---------------------------------------------------------------------------
    \2\ ``Paid Leave Works: Evidence from State Programs.'' National 
Partnership for Women and Families, https://nationalpartnership.org/wp-
content/uploads/2023/02/paid-leave-works-evidence-from-state-
programs.pdf. Accessed 19 Oct. 2023.
    \3\ ``Paid Family Care Leave: A Missing Piece in the U.S. Social 
Insurance System.'' Washington Center for Equitable Growth, 10 Jun. 
2019, https://equitablegrowth.org/research-paper/paid-family-care-
leave/?longform=true. Accessed 19 Oct. 2023.

Despite the proven benefits for workers, families, and the economy, 
just 20 percent of private sector workers in our nation, including only 
eight percent of the lowest wage earners, have access to some form of 
paid family or medical leave.\4\ As a result, one in four women are 
pushed back to work within just two weeks of giving birth or welcoming 
a new child.\5\
---------------------------------------------------------------------------
    \4\ ``Quick Facts on Paid Family and Medical Leave.'' Center for 
American Progress, 5 Feb. 2021, https://www.americanprogress.org/
article/quick-facts-paid-family-medical-leave/. Accessed 19 Oct. 2023.
    \5\ Bryant, Miranda. `` `I Was Risking My Life': Why One in Four US 
Women Return to Work Two Weeks After Childbirth.'' The Guardian, 27 
Jan. 2020. https://www.theguardian.com/us-news/2020/jan/27/maternity-
paid-leave-women-work-childbirth-us.

Moms like Nancy are directly affected by the lack of federal paid 
family and medical leave policies. Nancy has two kids, a 3.5-year-old 
son and a 1-year-old daughter, in Pennsylvania. She went into labor 
with her son prematurely and had an emergency c-section. Nancy was 
working-part-time as a teacher and had zero paid leave. Her husband 
only had 2 weeks of paid leave. She had a difficult recovery from 
birth--she had limited mobility, couldn't pick up her 6 pound son, and 
at 5 weeks postpartum, her incision opened up and she got an infection. 
She also struggled with breastfeeding and battled postpartum anxiety. 
During this time, her husband had to work full-time while also caring 
for their son, repacking Nancy's wound each day, and driving them to 
doctor's appointments. Their insurance wouldn't cover a home nurse. 
``It was awful. If we'd had true paid parental leave, it would have 
taken that stress away. We could have focused on being new parents and 
working through my health situation. It would have made it so much 
---------------------------------------------------------------------------
easier.''

Working families and business leaders across the country agree that 
passing strong paid family and medical leave policy would boost 
businesses, our economy, and the health and well-being of families 
across the country. In fact, polling shows that four in five Americans 
support paid family and medical leave.\6\
---------------------------------------------------------------------------
    \6\ Bennett, Bryan. ``Americans Overwhelmingly Support Paid Family 
And Medical Leave.'' Navigator, 23 Sept. 2022, https://
navigatorresearch.org/americans-overwhelmingly-support-paid-family-and-
medical-leave/. Accessed 19 Oct. 2023.

We thank you for the committee's attention to this crucial issue. 
MomsRising is happy to serve as a resource as the committee continues 
---------------------------------------------------------------------------
to consider paid family and medical leave policies.

Sincerely,

Kristin Rowe-Finkbeiner
Executive Director/CEO & Co-Founder
MomsRising Together & MomsRising Education Fund

Namatie Mansaray
Senior Director: Workplace Justice
MomsRising Together & MomsRising Education Fund

Ruth Martin
Senior Vice President & Chief Workplace Justice Officer
MomsRising Together & MomsRising Education Fund

                                 ______
                                 
                    National Council of Jewish Women

                       2055 L St., NW, Suite 650

                          Washington, DC 20036

                            T: 202-296-2588

                         https://www.ncjw.org/

Dear Chairman Wyden, Ranking Member Crapo, and Members of the Senate 
Committee on Finance, since our founding in 1893, National Council of 
Jewish Women (NCJW) has worked toward a world where women, children, 
and families are fully valued and supported. Inspired by Jewish values, 
NCJW advocates strive to turn progressive ideals into action by 
safeguarding individual rights and freedoms. Through education, 
advocacy, and community service, our network of 210,000 advocates has 
worked to make this vision a reality at all levels of government and in 
communities across the United States.

We appreciate today's hearing, ``Exploring Paid Leave: Policy, 
Practice, and Impact on the Workforce,'' and the opportunity to submit 
a statement for the record in support of paid leave. A key area of 
focus for the organization is our pursuit of economic justice, work 
that is true to that of our ancestors. As the Torah commands the newly 
liberated Israelites in the Book of Exodus and beyond to set up a new 
society, it is notably designed around a myriad of systems to ensure 
economic justice. Later Rabbinic teachings, too, center the urgent, 
lived experiences of those who are less financially secure and create 
additional legal structures to protect them. NCJW believes that the 
moral test of a nation is how it treats people who face the steepest 
barriers to success due to structural inequities. We champion policies 
to end poverty in America and, until that is achieved, to improve the 
lives of those who experience it--disproportionately women and 
children, people who are transgender, Black, Indigenous, and other 
people of color, and individuals with disabilities. Each of us has the 
right to thrive. No matter who we are, where we are from, our ability, 
or income, we all have the right to live with dignity, in health, and 
with financial stability, and to provide for our families. Ensuring 
families have what they need is essential to creating a vibrant economy 
and shared prosperity.

As part of this work, NCJW endeavors to guarantee nationwide, 
comprehensive paid family and medical leave and paid sick days. Our 
efforts over the past 130 years have taught us that the success of our 
economy depends on the success of our families. Each of us should be 
able to achieve economic stability while caring for our health and 
family. Paid leave is a critical part of making that goal a reality. 
Stronger paid leave programs will help us build a stronger economy.

Paid leave reduces employee turnover,\1\ which allows employers to save 
on hiring costs. For example, under California's family leave insurance 
program, workers in high-turnover industries are much more likely to 
return to their jobs \2\ after using the program. Paid leave also 
allows parents and family caregivers to remain in the workforce, 
preventing income loss and contributing to economic productivity and 
growth.
---------------------------------------------------------------------------
    \1\ http://www.americanprogress.org/wpcontent/uploads/2012/11/
CostofTurnover.pdf.
    \2\ https://fhop.ucsf.edu/sites/fhop.ucsf.edu/files/
custom_download/Unfinished%20Business%
20-
%20Paid%20Family%20leave%20in%20CA%20and%20the%20future%20of%20US%20Work
-Family%20Policy.pdf.

However, recent data show that most workers cannot access paid leave 
benefits. Over thirty million workers \3\ across the United States lack 
access to paid sick leave. And, the Bureau of Labor Statistics \4\ 
shows that 76% of private sector employees do not have access to paid 
family leave.
---------------------------------------------------------------------------
    \3\ https://www.sanders.senate.gov/wp-content/uploads/HFA-Fact-
Sheet-118th.pdf.
    \4\ https://www.bls.gov/ncs/ebs/benefits/2022/home.htm.

Without access to paid leave, workers who face serious medical or 
caregiving needs are unable to afford the most basic necessities. 
Missing even one paycheck can affect a person's ability to afford 
groceries, rent, and other daily necessities. These families face 
devastating consequences when the women who lead them are forced to 
---------------------------------------------------------------------------
choose between their jobs and caring for their families.

This policy gap most harms women, especially women of color, single 
mothers, and women struggling to make ends meet. Women are more likely 
than men to be caregivers to children and elderly parents, which makes 
them more vulnerable to the absence of paid family leave. The situation 
is even worse for women of color. Studies have shown that women of 
color play an outsized role in supporting their families. While over 80 
percent of Black mothers are primary, sole, or co-breadwinners for 
their households,\5\ more than six in ten Black women either do not 
take paid leave or do so without pay. As a result, Black women lose 
about $3.9 billion each year due to lost wages while on leave 
(according to a 2022 Center for American Progress report).\6\ 
Additionally, the inaccessibility of paid leave for Black women is 
exacerbated by existing health disparities in the US; this includes 
high rates of chronic illness as well as unacceptably high maternal and 
infant mortality rates. With access to paid leave, Black women who are 
ill or caring for a sick person would have both the time and economic 
resources to seek treatment in a timely manner.
---------------------------------------------------------------------------
    \5\ https://www.americanprogress.org/article/breadwinning-mothers-
critical-familys-economic-security/.
    \6\ https://www.americanprogress.org/article/black-women-need-
access-to-paid-family-and-medical-leave/.

A basic workplace paid sick and safe days standard, and assured paid 
time off for family needs, would ensure that all workers receive this 
necessary benefit no matter where they work, without having to 
sacrifice their financial stability. A national paid leave program 
would also allow parents and family caregivers to remain in the 
workforce, preventing income loss and contributing to economic 
---------------------------------------------------------------------------
productivity and growth.

Congress has the opportunity to improve the paid leave landscape in 
this country through legislative avenues. First, through the Family and 
Medical Insurance Leave (FAMILY) Act, Congress can provide twelve weeks 
of job-protected paid time off for employees of any company to take 
care of their children, spouses, parents, and themselves. Second, 
through the Healthy Families Act, Congress can establish a national 
paid sick and safe days standard, allowing workers to earn up to seven 
paid sick days each year to be used to recover from illness; take care 
of family members; seek assistance after incidents of domestic 
violence, stalking, and sexual assault; and more.

Our country is only able to live up to its ideals of justice and equity 
when our workers and families are supported. Therefore, Congress has a 
responsibility to support and enact legislation that guarantees the 
right to earn paid sick and family leave to ensure that all families do 
not have to choose between providing and caring for their loved ones. 
NCJW urges lawmakers to pass legislation including the FAMILY Act and 
the Healthy Families Act that would expand access to paid family and 
sick leave and help keep families financially secure, workplaces and 
communities healthy, and the economy strong.

                                 ______
                                 
                    National Organization for Women

                        1100 H Street, NW, #300

                          Washington, DC 20005

                             (202) 628-8669

               Statement of Christian F. Nunes, President

Mr. Chairman Wyden, Ranking Member Crapo, and Committee Members:

Thank you for convening this critically important hearing that we hope 
will take us many steps closer to having a national policy for paid 
family and medical leave that is affordable and universal.

In 1967, attendees to a national conference held by the National 
Organization for Women adopted an historic Bill of Rights for Women. 
High on that list was Maternity Leave Rights in Employment. Conference 
attendees affirmed, ``That women be protected by law to ensure their 
rights to return to their jobs within a reasonable time after 
childbirth without loss of seniority or other accrued benefits and be 
paid maternity leave as a form of social security and/or employee 
benefits.''

Our grassroots activists worked diligently on their members of Congress 
for years to get the Family and Medical Leave Act passed. After 
President George H.W. Bush twice vetoed the FMLA, we didn't give up and 
were overjoyed to see President Bill Clinton sign the legislation into 
law in 1993. But our hopes for leave with pay were not realized. Thirty 
years of experience with the FMLA shows how important this guarantee 
would be for workers and their families.

The National Organization for Women, our thousands of members and 
supporters in every state, and the District of Columbia, strongly urges 
the Senate to pass legislation that would provide paid family and 
medical leave for every worker. A national approach that covers all 
workers will strengthen our workforce and provide better protection for 
working women who need extended maternity leave and must take time off 
for caregiving responsibilities as well tend to the health needs of 
family members.

The United States is the only nation in the developed world, according 
to the U.S. Department of Labor, that does not have a national paid 
leave policy for all workers. Surely, in a country with an enviably 
strong economy and a large and diverse--but vulnerable--workforce, 
there should be wide recognition that a national program of paid leave 
is essential. The fact that the FMLA has been used more than 463 
million times, according to the National Partnership for Women and 
Families, since its adoption demonstrates that the need to have access 
to leave without risking one's employment is fundamental. It should be 
a standard feature of the workplace, enabling all workers who must 
eventually take time off and to do so without fear of losing their 
jobs.

Public support for paid family and medical leave is strong. A September 
2022 national survey by Navigator and reported by the Common Dreams 
organization found that more than eight in ten voters, including 79 
percent of white voters, 88 percent of Black and 89 percent of Latino 
voters want to see a national paid family and medical leave policy 
adopted. A National Partnership for Women and Families poll (2020) 
found that 75 percent of respondents would support a paid family and 
medical leave policy that would cover all workers.

Because of the current restrictive provision applying the FMLA to 
companies with 50 plus employees only about 56 percent of U.S. workers 
can access the federal FMLA leave, according to the Department of 
Labor. Portions of the remaining 44 percent of workers may obtain leave 
through their company's disability insurance plans or may be covered in 
the 16 states that offer (or will soon) state-based family and medical 
leave programs. These states include California, Colorado, Connecticut, 
Illinois, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New 
Jersey, New York, Oregon, Rhode Island, Vermont, Washington, plus the 
District of Columbia.

Legislation that expands the thirty-year old Family and Medical Leave 
Act to better address the needs of the nation's workforce should be a 
priority for the 118th Congress. The FAMILY Act, which is an expansion 
of the FMLA that addresses many of the problems identified in this 
testimony, would be a positive step. NOW urges the Senate to move this 
legislation to a floor vote soon. We look forward to working with 
senators to gain passage of this legislation that would greatly 
strengthen the U.S. workforce.

MAJOR CONCERNS

Women Workers Remain Vulnerable

Large segments of the workforce are without any leave protections. At 
the top of the list are women who historically have provided 
uncompensated caregiving and have often worked in low-paid jobs, facing 
barriers to better compensated employment. The stubborn gender wage 
gap--hovering around 78--84 cents for many years testifies to that 
point, according to analyses by the Institute for Women's Policy 
Research. The long-standing segregation of work according to racial and 
ethnic identities, has channeled women workers of color to the most 
poorly compensated jobs in domestic, service, seasonal and laborer 
jobs. Workers in these groups also provide a substantial share of 
unpaid caregiving. Research by the National Partnership for Women and 
Families found that unpaid caregiving--the majority of which is 
provided by women--is likely worth hundreds of millions of dollars 
annually. These same workers also face precarious situations when 
illness strikes, and a job is lost. The lack of accessible and 
affordable childcare is a further complication,

Women Head Half of All Households

In addition, single parent-headed households--a growing segment of the 
population--would value the availability of paid family and medical 
leave. The number of women-headed households (including those who are 
married but are the primary breadwinner) has grown steadily so that by 
2019 they constituted half of all households, according to the Urban 
Institute. This is true for all racial and ethnic groups, with Black 
households headed by women at 60 percent, according to the Pew Research 
Center. Also, single parent heads of household, including caregivers 
tending an ill or elderly person, are themselves vulnerable without a 
paid leave assurance.

Abortion Access Barriers Impact Workers

The loss of access to reproductive healthcare experienced by persons in 
states that have banned abortion adds uncertainty for millions of 
childbearing age. An unplanned pregnancy or a pregnancy complication 
necessitating medical attention when workers are not covered by the 
Family and Medical Leave Act can be a serious hardship. Planning and 
traveling to another state means taking days off work along with a need 
for further time off for health reasons. Lack of paid leave would help. 
The 14 states with abortion bans are causing tens of thousands of 
pregnant women to travel to another state for abortion care, according 
to the Guttmacher Institute.

Maternal Health Complications a Serious Problem

A factor that heightens the need by Black women as well as indigenous 
women is their dramatically higher risk of complications to pregnancy, 
delivery and postpartum health. The mortality rate of Black women in 
the U.S. is between two and three times higher than that for white 
women, according to the Centers for Disease Prevention and Control 
(CDC). Tragically, hundreds of women die from pregnancy related 
illnesses or complications each year. Considering a significant level 
of complications of pregnancy and childbirth, paid family and medical 
leave would offer crucial support. Many women experience life-
threatening complications during childbirth, often causing lifelong 
health challenges. Since the usual causes of maternal mortality are 
conditions that occur or are exacerbated during pregnancy, the vast 
majority of these deaths are preventable, according to CDC research. 
Twelve weeks of paid medical leave could play an important role in 
reducing complications in pregnancy, childbirth and postpartum health--
and even save lives.

Violence Survivors Need Paid Leave Protections

A further importance of paid family and medical leave is the need for 
persons--mostly women--who are survivors of Intimate Partner Violence 
(IVP) who may require time off for medical care, and court appearances. 
Counseling and other safety measures to be taken are an additional 
need. A significant portion of the population--about 41% of women and 
26% of men experienced contact sexual violence, physical violence and/
or stalking by an intimate partner during their lifetime, according to 
the Centers for Disease Control and Prevention, and miss at least one 
day of work. Counselors who work with domestic and sexual violence 
survivors also report that further time off from work involves medical 
attention and possible court appearances.

Workers at the Poverty Line

Another segment of the workforce that would benefit from paid leave are 
workers who live close to the federal poverty line. Census data from 
2022 found that 12.4 percent of Americans were subsisting at that low-
income level. That figure was up from 7.8 percent in 2021. The poverty 
rate for children in 2022 more than doubled from the year before, 
according to Census data. This was due to the discontinuation of the 
expanded Child Tax Credit which was in place for a year during the 
COVID-19 pandemic. The expiration of other pandemic relief measures has 
led to an increase in poverty rates. Such figures represent roughly 40 
million Americans living without the minimum level of resources to meet 
their needs. Many may be part-time or seasonal workers who would likely 
not qualify for paid FMLA that required higher minimum hours worked 
each year, but nonetheless should become part of an FMLA-covered 
workforce.

No doubt the lack of a guaranteed paid family and medical leave program 
has exacerbated economic and health challenges for the millions of 
Americans living near the federal poverty line, despite the fact that 
many are employed. Inclusion under a FMLA would contribute to a more 
stable economic situation for families who are impacted by poverty. No 
doubt many of these workers and their families are persons of color who 
have experienced this country's history of structural and 
discriminatory barriers that have contributed to serious economic, 
health and wealth disparities. A family and medical leave policy that 
meets the needs of these workers must be adopted. We believe that full 
coverage under a paid family and medical leave program will advance 
racial equity in the workforce and help build economic security for 
these workers and their families.

Lack of Paid Leave Deepens Wealth Divide

A failure to provide coverage for low-income workers under a national 
family and medical leave policy will continue to contribute to the 
deepening wealth divide that afflicts this country. In the first 
quarter of 2023, the top ten percent of households held about 67 
percent of total household wealth. By contrast, the bottom 90 percent 
of households by wealth held around 31 percent, according to the 
Federal Reserve. Inflation-adjusted figures for various demographic 
groups also show that Black families owned about 24 cents for every $1 
of white family wealth, on average and Hispanic families owned about 
the same.

THE FAMILY ACT WOULD ADDRESS CONCERNS

The updated and expanded FAMILY Act, introduced by Sen. Kirsten 
Gillibrand (S. 1714) and Rep. Rosa DeLauro (H.R. 481) would address 
many of the concerns raised in this testimony. According to a summary 
from the National Partnership for Women and Families, this legislation 
would authorize paid leave, bringing the United States up to a level 
with other developed nations. In addition, paid leave would strengthen 
a workforce that will need leave at some point in their lives but would 
hesitate taking leave because there would be no paycheck during that 
period. History shows that many workers over the past thirty years of 
FMLA have forgone leave out of that concern.

The FAMILY Act would allow for up to 12 weeks of paid family and 
medical leave for a majority of workers to care for a new child, a 
family member or loved one with a serious health condition, or to allow 
a worker to address their own serious health condition. Leave would 
also be available for military families facing circumstances arising 
from a service member's deployment and for survivors of domestic 
violence, stalking, and sexual assault to seek services related to the 
violence. According to a summary provided by the National Partnership 
for Women and Families, family members for whom a worker would be able 
to provide care include immediate family members and extended blood-
related and chosen family. Workers would receive benefit payments on a 
sliding scale, so that lower-wage workers would receive up to 85 
percent of their usual wages with workers at the country's median wage 
receiving about 70 percent of their usual pay. Workers' jobs would be 
protected, regardless of the size of the employer they work for or 
their tenure or hours at their job, allowing them to return to work 
without facing job loss or retaliation related to their leave.

The National Organization for Women advocates for Senate passage of the 
FAMILY Act that will go a long way to address the many concerns that 
women and all workers have about safeguarding their livelihoods while 
caring for their families.

                                 ______
                                 
              National Partnership for Women and Families

                     1725 Eye Street, NW, Suite 950

                          Washington, DC 20006

                       Statement of Michelle Feit

             Organizational Endorsements of the FAMILY Act

On behalf of the undersigned organizations and the tens of millions of 
working families we represent, we write in strong support of the Family 
And Medical Insurance Leave (FAMILY) Act. The FAMILY Act would create a 
national paid family and medical leave insurance program to help ensure 
that people who work can take the time they need to address serious 
health and caregiving needs. It would help support working families' 
economic security, promote racial and gender equity, create a more 
level playing field for businesses of all sizes and strengthen our 
economy. The FAMILY Act is the national paid family and medical leave 
plan voters want and our country needs.

The benefits of paid family and medical leave are well documented, yet 
the vast majority of working people in the United States do not have 
access to this basic protection. More than 100 million people--or 73 
percent of workers--do not have paid family leave through their jobs, 
and nearly 60 percent lack access to paid personal medical leave 
through their employer.\1\ Access rates for workers in lower-wage jobs 
are even lower, and advances over the past decade have been 
concentrated among higher-paid employees, creating even greater 
disparities between lower- and higher-paid workers.\2\ Even unpaid 
leave through the Family and Medical Leave Act (FMLA) is inaccessible 
to 44 percent of working people because of eligibility restrictions, 
and many who are eligible cannot afford to take unpaid leave.\3\ This 
means that when serious personal or family health needs inevitably 
arise, people face impossible choices between their families' well-
being, their financial security and their jobs.
---------------------------------------------------------------------------
    \1\ U.S. Bureau of Labor Statistics. (2023, September). National 
Compensation Survey: Employee Benefits in the United States, March 2023 
(See Excel tables, Civilian workers, Short term disability and Leave). 
Retrieved 24 October 2023, from https://www.bls.gov/ebs/publications/
employee-benefits-in-the-united-states-march-2023.htm.
    \2\ Since 2013, access to paid family leave has increased just four 
percentage points for the 
lowest-paid workers, to eight percent in 2022, but 22 percentage points 
for the highest-paid workers, to 44 percent in 2022. U.S. Bureau of 
Labor Statistics. (n.d.) Employee Benefits Survey (2010-2022 Excel 
dataset). Retrieved 4 April 2023, from https://www.bls.gov/ebs/
data.htm.
    \3\ Brown, S., Herr, J., Roy, R., & Klerman, J.A. (2020, July). 
Employee and Worksite Perspectives of the Family and Medical Leave Act: 
Results from the 2018 Surveys. Abt Associates Publication prepared for 
the U.S. Department of Labor. Retrieved 4 April 2023, from https://
www.dol.gov/sites/dolgov/files/OASP/evaluation/pdf/
WHD_FMLA2018SurveyResults_Final
Report_Aug2020.pdf.

Women of color are especially harmed by the lack of paid leave. Racial 
disparities are stark in meaningful access to leave: about 54 percent 
of Asian and Pacific Islander workers, 64 percent of Native American 
workers, 66 percent of Black workers and 69 percent of Latinx workers 
are either not eligible for or cannot afford to take unpaid FMLA 
leave.\4\ And even while women of color are so often key breadwinners 
for their families,\5\ they continue to face punishing wage gaps: for 
every dollar paid to white men, Asian American, Native Hawaiian and 
Pacific Islander women are paid as little as 52 cents, as Burmese women 
are, and overall just 80 cents for every dollar paid to white, non-
Hispanic men, Black women 64 cents, Latina women 54 cents and Native 
American women just 51 cents.\6\ The combination of inequities, 
including the racial wealth gap, and discrimination also means that 
families of color may be less able to withstand the financial hardship 
associated with a serious family or medical event and struggle more to 
recover their stability afterward.\7\
---------------------------------------------------------------------------
    \4\ Joshi, P., Walters, A.N., Wong, E., Shafter, L., & Acevedo-
Garcia, D. (2023, March 1). Inequitable access to FMLA continues. 
Retrieved 4 April 2023, from Brandeis University, The Heller School, 
Institute for Child, Youth and Family Policy website: https://
www.diversitydatakids.
org/research-library/data-visualization/inequitable-access-fmla-
continues.
    \5\ Glynn, S.J. (2019, May 10). Breadwinning Mothers Continue To Be 
the U.S. Norm. Retrieved 4 April 2023, from Center for American 
Progress website: https://www.americanprogress.org/issues/women/
reports/2019/05/10/469739/breadwinning-mothers-continue-u-s-norm/.
    \6\ National Partnership for Women & Families. (2023, March). 
America's Women and the Wage Gap. Retrieved 4 April 2023, from https://
www.nationalpartnership.org/our-work/resources/economic-justice/fair-
pay/americas-women-and-the-wage-gap.pdf.
    \7\ Mason, J. & Molina Acosta, P. (2021, March). Called to Care: A 
Racially Just Recovery Demands Paid Family and Medical Leave. Retrieved 
4 April 2023, from National Partnership for Women & Families website: 
https://nationalpartnership.org/wp-content/uploads/2023/02/called-to-
care-a-racially-just-recovery-demands-paid-family-and-medical-
leave.pdf.

Paid leave is also an essential support for disabled workers. Disabled 
workers are also more likely to work in low-wage jobs without access to 
paid leave. Disabled workers are disproportionately harmed by a lack of 
paid leave policies that allow them to take care of not only themselves 
but also their loved ones. The 10 occupations employing the most 
disabled women pay, on average, $41,200 per year--$15,800 less than the 
average annual wage across the 10 most-common occupations for non-
disabled men.\8\ In 2020, disabled people overall earned about 74 cents 
for every dollar a non-disabled person is paid.\9\ Disabled people are 
also less likely to be able to come up with emergency funds for 
unexpected needs.\10\ Nationally, subminimum wage for disabled workers 
is also still permitted. Employment discrimination and payment 
inequities contributed to the critical need for a paid leave 
infrastructure for disabled women and their families.
---------------------------------------------------------------------------
    \8\ National Partnership for Women & Families (2023 March). Women's 
Work is Undervalued, and It's Costing Us Billions. Retrieved April 
2023, from https://nationalpartnership.org/wp-content/uploads/2023/04/
womens-work-is-undervalued.pdf.
    \9\ The Century Foundation (2022 April). Economic Justice is 
Disability Justice. Retrieved April 2023, from https://tcf.org/content/
report/economic-justice-disability-justice/.
    \10\ National Disability Institute (2017). Financial Capability of 
Adults with Disabilities. Retrieved April 2023, from https://
www.nationaldisabilityinstitute.org/wp-content/uploads/2019/01/ndi-
finra-report-2017.pdf.

The coronavirus pandemic has highlighted the consequences faced by 
working people when they lack access to paid leave. Even with 
widespread access to the COVID-19 vaccine, long-term health and 
caregiving consequences of the pandemic continue to impact public 
health and our economy. An estimated 10 to 33 million adults in the 
United States are affected by long COVID symptoms, including two to 
four million who are out of work due to long COVID.\11\ In part due to 
long COVID, people with disabilities are a growing share of the 
population and the labor force.\12\
---------------------------------------------------------------------------
    \11\ Burns, A. (2022, August 1). What are the Implications of Long 
COVID for Employment and Health Coverage? Retrieved 4 April 2023, from 
Kaiser Family Foundation website: https://www.kff.org/policy-watch/
what-are-the-implications-of-long-covid-for-employment-and-health-
coverage/.
    \12\ Ditkowsky, M. (2023, February 23). New Data on Disability 
Employment: Small Gains But Institutional Barriers Remain. Retrieved 4 
April 2023, from National Partnership for Women & Families website: 
https://nationalpartnership.org/new-data-on-disability-employment-
small-gains-but-institutional-barriers-remain/.

The FAMILY Act would create a strong, inclusive national paid family 
and medical leave insurance program and set a nationwide paid leave 
baseline. Workers would earn partial pay, for a limited period of time 
(up to 60 workdays, or 12 workweeks in a year) to address their own 
serious health issue, including pregnancy or childbirth; to deal with 
the serious health issue of a family member, including chosen family; 
to care for a new child; to address the effects of domestic violence, 
sexual assault or stalking; and for certain military caregiving and 
leave purposes. The lowest-paid workers would earn up to 85 percent of 
their normal wages, with the typical full-time worker earning around 
two-thirds of their wages. Workers who have been at their job for more 
than 90 days will have the right to be reinstated following their 
leave, and all workers will be protected from retaliation. Employees, 
employers, and self-employed workers would fund both the benefits and 
the administrative costs of the program by contributing a small amount 
in each pay period to a self-sustaining fund, administered through a 
new Office of Paid Family and Medical Leave. Eligibility rules would 
allow younger, part-time, low-wage and contingent workers to contribute 
and benefit, regardless of their employer's size or their length of 
time on the job. States with existing paid leave programs would be 
---------------------------------------------------------------------------
empowered to continue running them.

The FAMILY Act builds on data and lessons from successful state 
programs. California has had a paid family and medical leave insurance 
program in place since 2004, New Jersey since 2009, Rhode Island since 
2014, New York since 2018, Washington and the District of Columbia 
since 2020, Massachusetts since 2021, Connecticut since 2022, and 
Oregon since September 2023. And momentum continues to grow: Colorado 
passed a paid leave law in 2020, Maryland and Delaware in 2022, and 
Minnesota and Maine in 2023. Evidence from the existing state programs 
shows their value and affordability; all are financially sound and 
self-
sustaining, and each state that has paid leave in place has or is 
exploring ways to make it even more accessible to people who need 
family leave.\13\ Analyses of California's law show that both employers 
and employees benefit from the program.\14\ In New Jersey, the 
program's costs have been lower than expected,\15\ and in New Jersey 
and New York, small business support for paid leave programs increased 
after the pandemic began.\16\ Research on Rhode Island's program found 
positive effects for new parents, and a majority of small- and medium-
sized employers were in favor of the program one year after it took 
effect.\17\ Paid leave programs also helped states quickly address 
health and caregiving needs in the early stages of the pandemic.\18\
---------------------------------------------------------------------------
    \13\ National Partnership for Women & Families. (2022, February). 
Paid Leave Works: Evidence from State Programs. Retrieved 4 April 2023, 
from https://nationalpartnership.org/wp-content/uploads/2023/02/paid-
leave-works-evidence-from-state-programs.pdf.
    \14\ Appelbaum, E., & Milkman, R. (2013). Unfinished Business: Paid 
Family Leave in California and the Future of U.S. Work-Family Policy. 
Ithaca, NY: Cornell University Press.
    \15\ Press of Atlantic City. (2010, November 15). Paid Family 
Leave/Working Well. Retrieved 22 March 2023, from http://
www.pressofatlanticcity.com/opinion/editorials/article--0d6ba980-3a1d-
56f7-9101-258999b5d9d0.html.
    \16\ Bartel, A.P., Rossin-Slate, M., Waldfogel, J. et al. (2021, 
December 9). Support for Paid Family Leave among Small Employers 
Increases during the COVID-19 Pandemic. Socius: Sociological Research 
for a Dynamic World, 7. doi: 10.1177/23780231211061959.
    \17\ National Partnership for Women & Families. (2015, February). 
First Impressions: Comparing State Paid Family Leave Programs in Their 
First Years. Retrieved 4 April 2023, from https://
nationalpartnership.org/wp-content/uploads/2023/02/first-impressions-
comparing-state-paid-family-leave-programs-in-their-first-years.pdf; 
Bartel, A., Rossin-Slater, M., Ruhm, C., & Waldfogel, J. (2016, 
January). Assessing Rhode Island's Temporary Caregiver Insurance Act: 
Insights from a Survey of Employers. Retrieved 4 April 2023, from U.S. 
Department of Labor website: https://www.dol.gov/asp/evaluation/
completed-studies/AssessingRhodeIslandTempo
raryCaregiverInsuranceAct_InsightsFromSurveyOfEmployers.pdf.
    \18\ Boyens, C. (2020, June). State Paid Family and Medical Leave 
Programs Helped a Surge of Workers Affected by the COVID-19 Pandemic. 
Urban Institute Publication. Retrieved 4 April 2023, from https://
www.urban.org/research/publication/state-paid-family-and-medical-leave-
programs-helped-surge-workers-affected-covid-19-pandemic.

The FAMILY Act would address the range of care needs people face, 
including the growing need to provide elder care. Changing demographics 
mean more adults will need elder care and the number of potential 
family caregivers is shrinking: For every person age 80 and older, the 
number of potential family caregivers will fall from about seven in 
2010 to four by 2030, and then to less than three by 2050.\19\ It is 
also important to note that about three-quarters of people who take 
family or medical leave each year do so for reasons other than 
maternity or paternity care, taking leave to care for family members 
with serious illnesses, injuries or disabilities or for their own 
serious health issue.\20\ The majority of parents, adult children and 
spouses who provide care for ill family members or family members with 
disabilities also have paying jobs, and on average work more than 30 
hours per week while also managing their caregiving 
responsibilities.\21\ The majority of military caregivers--and more 
than three-quarters of caregivers for post-9/11 wounded warriors--are 
also in the labor force.\22\
---------------------------------------------------------------------------
    \19\ Redfoot, D., Feinberg, L., & Houser, A. (2013, August). The 
Aging of the Baby Boom and the Growing Care Gap: A Look at Future 
Declines in the Availability of Family Caregivers. AARP Public Policy 
Institute Publication. Retrieved 4 April 2023, from http://
www.aarp.org/content/dam/aarp/research/public_policy_institute/ltc/
2013/baby-boom-and-the-growing-care-gap-insight-AARP-ppi-ltc.pdf.
    \20\ National Partnership for Women & Families. (2023, February). 
Key Facts: The Family and Medical Leave Act. Retrieved 4 April 2023, 
from https://nationalpartnership.org/wp-content/uploads/2023/02/key-
facts-the-family-and-medical-leave-act.pdf.
    \21\ National Alliance for Caregiving. (2020, May). Caregiving in 
the U.S.: 2020 Report. National Alliance for Caregiving and AARP Public 
Policy Institute Publication. Retrieved 4 April 2023, from https://
www.caregiving.org/wp-content/uploads/2020/05/Full-Report-Caregiving-
in-the-United-States-2020.pdf.
    \22\ Ramchand, R., Tanielian, T., Fisher, M.P., Vaughan, C.A. et 
al. (2014). Hidden Heroes: America's Military Caregivers (Figure 3.8). 
Retrieved 4 April 2023 from RAND Corporation website: http://
www.rand.org/health/projects/military-caregivers.html.

The FAMILY Act would support improved health outcomes and could lower 
health care costs. New mothers who take paid leave have improved 
overall health, reduced likelihood of re-hospitalization and of 
postpartum depression, and lower likelihood of reporting intimate 
partner violence.\23\ Their children are more likely to be breastfed, 
receive medical check-ups and get critical immunizations.\24\ When 
children are seriously ill, the presence of a parent shortens a child's 
hospital stay by 31 percent;\25\ active parental involvement in a 
child's hospital care may head off future health problems, especially 
for children with chronic health conditions,\26\ and thus reduce costs. 
Paid leave also lets people support older family members with serious 
health conditions, helping them fulfill treatment plans, manage their 
care, and avoid complications and hospital readmissions.\27\ Research 
has found that California's paid leave program reduced nursing home 
utilization.\28\ And, for the millions of families in communities that 
are struggling with opioid and other substance use disorders, paid 
leave supports family caregivers, who play a key role in care and 
recovery by helping loved ones with health care arrangements and 
treatment.\29\
---------------------------------------------------------------------------
    \23\ Coombs, S. (2020, August). Paid Leave Is Essential for Healthy 
Moms and Babies. Retrieved 4 April 2023, from National Partnership for 
Women & Families website: https://nationalpartnership.org/wp-content/
uploads/2023/02/paid-leave-is-essential-for-healthy-moms-and-
babies.pdf.
    \24\ Heymann, J., Sprague, A.R., Nandi, A., Earle, A., et al. 
(2017). Paid parental leave and family well-being in the sustainable 
development era. Public Health Reviews, 38(21). doi: 10.1186/s40985-
017-0067-2.
    \25\ Heymann. J. (2001, October 15). The Widening Gap: Why 
America's Working Families Are in Jeopardy--and What Can Be Done About 
It. New York, NY: Basic Books.
    \26\ Heymann, J., & Earle, A. (2010). Raising the global floor: 
dismantling the myth that we can't afford good working conditions for 
everyone. Stanford, CA.: Stanford Politics and Policy.
    \27\ See e.g., Institute of Medicine. (2008, April 11). Retooling 
for an Aging America: Building the Health Care Workforce, 254. 
Retrieved March 2023, from http://www.nationalacademies.
org/hmd/reports/2008/retooling-for-an-aging-america-building-the-
health-care-workforce.aspx; Arbaje, A.I., Wolff, J.L., Yu, Q., Powe, 
N.R., et al. (2008, August). Postdischarge Environmental and 
Socioeconomic Factors and the Likelihood of Early Hospital Readmission 
Among Community-Dwelling Medicare Beneficiaries. The Gerontologist, 
48(4), 495-504. doi: 10.1093/geront/48.4.495.
    \28\ Arora, K., & Wolf, D.A. (2017, November 3). Does Paid Family 
Leave Reduce Nursing Home Use? The California Experience. Journal of 
Policy Analysis and Management, 37(1), 38-62. doi: 10.1002/pam.22038.
    \29\ Biegel, D.E., Katz-Saltzman, S., Meeks, D., Brown, S., & 
Tracy, E.M. (2010). Predictors of Depressive Symptomatology in Family 
Caregivers of Women With Substance Use Disorders or Co-Occurring 
Substance Use and Mental Disorders. Journal of Family Social Work, 
13(2), 25-44. doi: 10.1080/10522150903437458.

The FAMILY Act would also strengthen large and small businesses and 
support entrepreneurs. Paid leave reduces turnover costs--typically 
more than one-fifth of an employee's salary \30\--and increases 
employee loyalty. In California, nine out of 10 businesses surveyed 
reported positive effects or no impacts on profitability and 
productivity after the state's paid leave program went into effect.\31\ 
Small businesses reported even more positive or neutral outcomes than 
larger businesses.\32\ Small business owners from across the nation 
expect that the FAMILY Act model would help level the playing field 
with large corporations; improve worker retention, productivity and 
morale; and help protect their economic security if an accident or 
medical emergency occurs.\33\ About two-thirds of small business owners 
support a national paid family and medical leave policy.\34\ By 
including self-employed people, the FAMILY Act would also help 
entrepreneurs balance the risks of starting a new business with the 
need to ensure their families' health and security.
---------------------------------------------------------------------------
    \30\ Bahn, K., & Sanchez Cumming, C. (2020, December). Improving 
U.S. labor standards and the quality of jobs to reduce the costs of 
employee turnover to U.S. companies. Retrieved 4 April 2023, from 
Washington Center for Equitable Growth website: https://
equitablegrowth.org/wp-content/uploads/2020/12/122120-turnover-costs-
ib.pdf.
    \31\ See note 13.
    \32\ Ibid.
    \33\ Main Street Alliance. (2018). The View from Main Street: Paid 
Family and Medical Leave, 2018 Report. Retrieved 4 April 2023, from 
https://static1.squarespace.com/static/5ff74507e375c
93150f0ca32/t/6005b387c50f244aee789e87/1610986375301/MSA_PFML_Report_-
_Phase_1_v3.
pdf.
    \34\ Lake Research Partners. (2020, October 2). Small business 
owners' attitudes on paid family and medical leave. Retrieved 4 April 
2023, from https://irp-cdn.multiscreensite.com/167e816a/files/uploaded/
Paid%20Leave%20for%20All.small%20business.pdf?emci=4dc34eed-b40d-eb11-
96f5-00155d03affc&emdi=ea000000-0000-0000-0000-000000000001&ceid=.

National paid family and medical leave has broad support from voters 
across party lines. Four out of five 2022 voters support a national 
paid family and medical leave policy, including 70 percent of 
Republicans, 76 percent of independents and 89 percent of 
Democrats.\35\ And qualitative research shows voters prefer a national 
plan that covers all family relationships and includes employment 
protections.\36\
---------------------------------------------------------------------------
    \35\ Navigator Research. (2022, September 23). Paid Family and 
Medical Leave: A Guide for Advocates. Retrieved 4 April 2023, from 
https://navigatorresearch.org/wp-content/uploads/2022/09/Navigator-
Update-09.23.2022.pdf.
    \36\ Lake Research Partners and MomsRising.org (2018, February). 
Interested Parties Memo on Key Findings from Recent Qualitative 
Research. Retrieved 4 April 2023, from https://s3.amazon
aws.com/s3.momsrising.org/images/
MomsRising__LPR_Interested_Parties_memo_on_paid_leave
.pdf.

Working families need a nationwide paid family and medical leave 
standard that is comprehensive, inclusive, and sustainable. The FAMILY 
Act is the only national paid family and medical leave proposal that 
reflects what most people in the United States need. We urge you to co-
sponsor this essential legislation today, to push for swift and 
thorough consideration that surfaces the best practices and lessons 
learned from state policies, and to reject inadequate proposals that 
would fail to meet the needs of the nation's workforce, families or 
---------------------------------------------------------------------------
businesses--and that would do more harm than good.

Sincerely,

National:

1,000 Days, an Initiative of FHI 
360                                 American Academy of Pediatrics
American Association of University 
Women                               American Civil Liberties Union
American Muslim Health 
Professionals                       American Public Health Association
Asset Building Strategies           Campaign for a Family Friendly 
                                    Economy
Caring Across Generations           Center for American Progress
Center for Biological Diversity     Center For Economic And Policy 
                                    Research
Center for Law and Social Policy 
(CLASP)                             Center for Science in the Public 
                                    Interest
CenterLink: The Community of LGBTQ 
Centers                             ChangeLab Solutions
Child Welfare League of America     Children's Defense Fund
Coalition on Human Needs            Coalition of Labor Union Women, 
                                    AFL-CIO
COVID Survivors for Change          Equal Rights Advocates
Family Values @ Work                Family Values @ Work Action
Federally Employed Women (FEW)      First Focus Campaign for Children
FreeFrom                            Futures Without Violence
The Gerontological Society of 
America                             Health Care Voices
Human Rights Campaign               Interfaith Center on Corporate 
                                    Responsibility
International Brotherhood of 
Teamsters                           Institute for Women's Policy 
                                    Research
Ipas                                Jacobs Institute of Women's Health
Jobs With Justice                   Justice for Migrant Women
La Leche League of the United 
States of America, Inc.             Lactation Education Resources
Latter-day Saint Democrats          League of Women Voters of the 
                                    United States
Main Street Alliance                March for Moms
March of Dimes                      MomsRising
Mom Congress                        Movement Advancement Project
National Association of Social 
Workers                             National Center for Lesbian Rights
National Coalition Against Domestic 
Violence                            National Community Reinvestment 
                                    Coalition (NCRC)
National Council of Jewish Women    National Education Association
National Employment Law Project     National Immigration Law Center
National Network to End Domestic 
Violence                            National Organization for Women
National Partnership for Women & 
Families                            National Respite Coalition
National Women's Law Center         NETWORK Lobby for Catholic Social 
                                    Justice
Oxfam America                       Paid Leave for All
PAVE                                PFLAG National
PHI                                 Positive Women's Network-USA
Prevent Child Abuse America         Prosperity Now
Public Advocacy for Kids (PAK)      Public Justice Center
Reproductive Freedom for All        ROC United
Service Employees International 
Union (SEIU)                        Shriver Center on Poverty Law
Sojourners                          SPAN Parent Advocacy Network
T'ruah: The Rabbinic Call for Human 
Rights                              The Collaborative
The National Domestic Violence 
Hotline                             The National Women's Health Network
UnidosUS                            United Food and Commercial Workers 
                                    International Union (UFCW)
U.S. Breastfeeding Committee        USOW
Washington Premier Group            Workplace Fairness
Young Invincibles                   YWCA USA
ZERO TO THREE

Alaska:

Alaska Children's Trust

California:

BreastfeedLA                        Golden State Opportunity
Legal Aid at Work

Colorado:

Clayton Early Learning

Florida:

Florida Alliance for Community 
Solutions, Inc.

Illinois:

AIDS Foundation Chicago             Prevent Child Abuse Illinois
YWCA Champaign County

Indiana:

AAUW Indiana                        AAUW Indianapolis
AAUW Valparaiso                     Healthier Moms and Babies
Indiana Association of Area 
Agencies on Aging                   Indiana Coalition Against Domestic 
                                    Violence
Indiana Community Action Poverty 
Institute                           MCCOY (Marion County Commission on 
                                    Youth, Inc.)
Sisters of St. Francis, Oldenburg   Thrive Alliance

Kansas:

First 1,000 Days Kansas/Kansas 
Breastfeeding Coalition

Kentucky:

United Food and Commercial Workers 
Local 227

Massachusetts:

Jewish Alliance for Law and Social 
Action

Michigan:

Oakland Forward Action Fund

Missouri:

Healthy Nourishments, LLC

New Jersey:

Family Voices NJ                    New Jersey Citizen Action
NJ Time to Care Coalition

North Carolina:

North Carolina Justice Center

Pennsylvania:

Children First PA                   Women's Law Project

Rhode Island:

Rhode Island KIDS COUNT

Vermont:

Hunger Free Vermont                 Voices for Vermont's Children

Virginia:

Virginia Breastfeeding Coalition

Washington:

Breastfeeding Coalition of 
Washington

West Virginia:

TEAM for West Virginia Children

Wisconsin:

Seventh Generation Interfaith 
Coalition for Responsible 
Investment

                                 ______
                                 
                      National Women's Law Center

                      1350 I Street, NW, Suite 700

                          Washington, DC 20005

                              202-588-5180



November 6, 2023

The Honorable Ron Wyden             The Honorable Mike Crapo
Chairman                            Ranking Member
Committee on Finance                Committee on Finance
United States Senate                United States Senate

RE: Senate Finance Committee Hearing on Exploring Paid Leave: Policy, 
Practice, and Impact on the Workforce

Dear Chair Wyden and Ranking Member Crapo:

The National Women's Law Center (NWLC) appreciates the opportunity to 
submit a written statement for the record to the Senate Committee on 
Finance regarding the hearing Exploring Paid Leave: Policy, Practice, 
and Impact on the Workforce held on October 25, 2023.

The National Women's Law Center fights for gender justice--in the 
courts, in public policy, and in our society--working across the issues 
that are central to the lives of women and girls. We use the law in all 
its forms to change culture and drive solutions to the gender inequity 
that shapes our society and to break down the barriers that harm all of 
us--especially women of color, LGBTQ people, and women and families 
with low incomes.

Care is an issue that impacts everyone--at some point, we will all need 
to provide care for a loved one or receive care ourselves. Yet the U.S. 
remains one of the only nations in the world with no national paid 
family and medical leave policy to support caregivers. As a result, 
people across the country--especially women--are struggling to care for 
themselves and their loved ones while paying the bills and supporting 
their families. While the American Rescue Plan Act and other federal 
pandemic relief measures provided critical support for struggling 
families and set the stage for a strong jobs recovery, they were 
temporary. Lawmakers did not make the permanent structural changes 
needed to address longstanding inequities or ensure widespread job 
quality. And in the face of the loss of federal supports, rising costs, 
depleted savings, and ongoing caregiving challenges, the modest wage 
gains spurred by a tight labor market have not been sufficient for many 
people working in low-paying jobs to achieve economic security. Working 
families are still waiting for Congress to take action to remedy the 
deep gaps in our economic and social infrastructure that have resulted 
from decades of failure to center the needs of women, people of color, 
and families.

Working people are struggling without policies that support caregivers.
Only around 25 percent of workers in the United States have access to 
paid family leave through their employers (i.e., paid time away from 
work to, for example, care for a family member with a serious health 
condition or a new baby),\1\ and just over 40 percent have paid medical 
leave to address their own serious health conditions through an 
employer-provided short-term disability program.\2\ For people working 
in low-paid and part-time jobs--most of whom are women \3\--access is 
even more limited; among workers in the lowest 25 percent of wage 
earners, for example, only 13 percent have access to paid family 
leave.\4\ And while men are taking on increasing shares of family 
caregiving,\5\ women are still spending more time caring for children 
and other family members,\6\ and are therefore more likely to need paid 
time off to ensure loved ones receive the medical care and attention 
that they need.
---------------------------------------------------------------------------
    \1\ U.S. Department of Labor, Bureau of Labor Statistics (BLS), 
``Table 7. Leave benefits by average wage category, private industry 
workers, March 2022,'' National Compensation Survey: Employee Benefits 
in the United States, Sept. 2022, https://www.bls.gov/ebs/publications/
september-2022-landing-page-employee-benefits-in-the-united-states-
march-2022.htm.
    \2\ BLS, ``Table 5. Short-term disability plans by average wage 
category, private industry workers, March 2022,'' National Compensation 
Survey: Employee Benefits in the United States, Sept. 2022, https://
www.bls.gov/ebs/publications/september-2022-landing-page-employee-
benefits-in-the-united-states-march-2022.htm.
    \3\ Jasmine Tucker and Julie Vogtman, ``When Hard Work Is Not 
Enough: Women in Low-Paid Jobs,'' National Women's Law Center, April 
2020, https://nwlc.org/resource/when-hard-work-is-not-enough-women-in-
low-paid-jobs.
    \4\ National Compensation Survey: Employee Benefits in the United 
States, https://www.
bls.gov/ebs/publications/september-2022-landing-page-employee-benefits-
in-the-united-states-march-2022.htm. 
    \5\ Amanda Lenhart, Haley Swenson & Brigid Schulte, ``Lifting the 
Barriers to Paid Family and Medical Leave for Men in the United 
States,'' New America--Better Life Lab, Dec. 2019, https://
www.newamerica.org/better-life-lab/reports/lifting-barriers-paid-
family-and-medical-leave-men-united-states.
    \6\ BLS, ``Table 1. Time Spent in Primary Activities and Percent of 
the Civilian Population Engaging in Each Activity, Averages Per Day by 
Sex, 2021 Annual Averages,'' American Time Use Survey, June 2022, 
https://www.bls.gov/news.release/atus.t01.htm.

In 1993, Congress passed the Family and Medical Leave Act (FMLA), which 
provides eligible workers with unpaid, job-protected leave to care for 
themselves and their families. In the intervening 30 years, it is 
estimated that workers have used FMLA leave nearly 463 million 
times.\7\ Unfortunately, strict eligibility requirements--including 
employer size thresholds, hours worked requirements, and job tenure 
minimums--mean that millions of workers never qualify for FMLA leave. 
And because the FMLA only provides unpaid leave, many workers are still 
forced to choose between providing or receiving care and their own 
economic security.
---------------------------------------------------------------------------
    \7\ ``Key Facts: The Family and Medical Leave Act,'' National 
Partnership for Women & Families, Feb. 2023, https://
nationalpartnership.org/report/fmla-key-facts.

The way forward is clear: it is time for Congress to establish paid 
---------------------------------------------------------------------------
family and medical leave for all working people.

Paid family and medical leave is a proven solution to help families 
manage work and care.
In the absence of action by the federal government to establish a 
universal paid family and medical leave program, several states have 
passed their own laws. Eleven states and the District of Columbia 
currently have laws guaranteeing workers paid leave.\8\ The impact of 
these laws clearly demonstrates the effectiveness of paid leave 
policies and the benefits felt by workers, businesses, and our overall 
economy.
---------------------------------------------------------------------------
    \8\ ``State Paid Family & Medical Leave Insurance Laws,'' National 
Partnership for Women & Families, Oct. 2022, https://
nationalpartnership.org/wp-content/uploads/2023/02/state-paid-family-
leave-laws.pdf.

      Paid leave promotes gender equity. Women working full time, 
year-round are typically paid only 84 cents for every dollar paid to 
men; that translates to nearly $400,000 lost over a 40-year career.\9\ 
That lifetime loss doesn't account for the women who are pushed out of 
the labor force each year when their caregiving responsibilities come 
into conflict with their jobs. Women are particularly likely to 
struggle as they are overrepresented in low paid and part-time jobs, 
which are less likely to offer employer sponsored benefits like paid 
leave.\10\ The harm to women's economic security stemming from a lack 
of paid leave compounds over time: retirement programs like social 
security and employer-
sponsored pensions disadvantage people who take time out of the 
workforce, including for caregiving responsibilities. In 2019, women on 
average received around $5,000 less in annual Social Security benefits 
than men, driven in part by the gender pay gap and in part by women 
spending fewer years in the workforce.\11\ But providing national paid 
family and medical leave can help narrow these disparities by 
increasing women's ability to stay attached to the workforce,\12\ 
destigmatizing caregiving for men, and increasing father's involvement 
in child care.\13\
---------------------------------------------------------------------------
    \9\ Jasmine Tucker, ``The Wage Gap Robs Women Working Full Time, 
Year Round of Hundreds of Thousands of Dollars Over a Lifetime,'' 
National Women's Law Center, March 2023, https://nwlc.org/wp-content/
uploads/2023/03/lifetime_loss_factsheet_v1.pdf.
    \10\ Brooke LePage, ``Part-Time Workers Are Facing Heightened 
Uncertainty During COVID--and Most Are Women,'' National Women's Law 
Center, Feb. 2022, https://nwlc.org/resource/part-time-workers-
factsheet.
    \11\ Robert Paul Hartley et al., ``A Lifetime's Worth of Benefits: 
The Effects of Affordable, High-quality Child Care on Family Income, 
the Gender Earnings Gap, and Women's Retirement Security,'' National 
Women's Law Center & Center on Poverty & Social Policy (2021), https://
nwlc.org/wp-content/uploads/2021/04/A-Lifetimes-Worth-of-Benefits-
_FD.pdf.
    \12\ Kelly Jones and Britni Wilcher, ``Reducing Maternal Labor 
Market Detachment: A Role for Paid Family Leave,'' Working Paper Series 
Washington Center for Equitable Growth, March 2020, https://
equitablegrowth.org/working-papers/reducing-maternal-labor-market-
detachment-a-role-for-paid-family-leave.
    \13\ Chris Knoester, Richard J. Petts & Brianne Pragg, ``Paternity 
Leave-Taking and Father Involvement Among Socioeconomically 
Disadvantaged U.S. Fathers,'' Sex Roles 81 (2019), https://doi.org/
10.1007/s11199-018-0994-5.
---------------------------------------------------------------------------
      Paid leave improves individual and public health. Guaranteeing 
paid time off work means workers are more likely to stay home to 
recover when they fall ill \14\ and their loved ones are more likely to 
receive necessary medical check-ups \15\ and critical immunizations. 
When new mothers have access to paid leave, they experience 
improvements in their own physical and mental health, including a 
decrease in postpartum depression.\16\ A national paid leave policy 
would contribute to improved health outcomes \17\ and could help lower 
health care costs.
---------------------------------------------------------------------------
    \14\ Kaitlin Piper et al., ``Paid Sick Days and Stay-at-Home 
Behavior for Influenza,'' PLOS ONE 12, no. 2 (Feb. 2017), https://
doi.org/10.1371%2Fjournal.pone.0170698.
    \15\ Jody Heymann et al., ``Paid Parental Leave and Family Well-
being in the Sustainable Development Era,'' Public Health Reviews 38, 
no. 21 (2017), https://doi.org/10.1186/s40985-017-0067-2.
    \16\ Maureen Sayres Van Niel et al., ``The Impact of Paid Maternity 
Leave on the Mental and Physical Health of Mothers and Children: A 
Review of the Literature and Policy Implications,'' Harvard Review of 
Psychiatry 28, no.2 (2020): 113-126, https://doi.org/10.1097/
hrp.000000000
0000246.
    \17\ Lisa Weber-Raley et al., ``Burning the Candle at Both Ends: 
Sandwich Generation Caregiving in the U.S.'' National Alliance for 
Caregiving and Caring Across Generations, 2019, https://
caringacross.org/wp-content/uploads/2019/11/
NAC_SandwichCaregiving_Report_
digital112019.pdf.

      Paid leave supports a stronger economy. Research shows that paid 
leave strengthens businesses of all sizes by reducing turnover costs, 
increasing employee loyalty.\18\ A national paid family and medical 
leave policy also helps businesses by minimizing administrative and 
financial costs,\19\ which is particularly important for small business 
owners. And because paid leave helps improve women's labor force 
participation,\20\ implementing strong care policies could help 
increase the country's gross domestic product (GDP) by at least 5 
percent \21\--or over a trillion dollars of economic growth.
---------------------------------------------------------------------------
    \18\ Brigid Schulte et al., ``Paid Family Leave: How Much Time is 
Enough?'' New America--Better Life Lab, June 2017, https://
www.newamerica.org/better-life-lab/reports/paid-family-leave-how-much-
time-enough/economic-impact.
    \19\ Danielle Corley, ``Paid Leave is Good for Small Business,'' 
Center for American Progress, Oct. 2016, https://
www.americanprogress.org/article/paid-leave-is-good-for-small-business.
    \20\ Tanya S. Byker, ``Paid Parental Leave Laws in the United 
States: Does Short-Duration Leave Affect Women's Labor-Force 
Attachment?'' American Economic Association 106, no. 6 (May 2016): 242-
46, https://doi.org/10.1257%2Faer.p20161118.
    \21\ Beth Ann Bovino and Jason Gold, ``The Key to Unlocking U.S. 
GDP Growth? Women,'' S&P Global, 2017, https://www.spglobal.com/_Media/
Documents/03651.00_Women_at_Work_Doc.
8.5x11-R4.pdf.

      Paid leave helps combat racial inequality. Workers of color are 
less likely to have access to paid family and medical leave than white 
workers.\22\ At the same time, Black women are more likely to be both 
primary breadwinners and caregivers in their families.\23\ And when 
faced with an unforeseen illness or caregiving need, the racial and 
gender wealth gaps \24\ in this country mean that women of color and 
their families are less likely to have the economic resources to allow 
them to take time away from work. Providing all workers with paid time 
to care would help close these gaps, while also improving persistent 
racial health disparities.\25\
---------------------------------------------------------------------------
    \22\ Julia M. Goodman, Dawn M. Richardson & William H. Dow, 
``Racial and Ethnic Inequities in Paid Family and Medical Leave: United 
States, 2011 and 2017-2018,'' American Journal of Public Health 112, 
no. 7 (2022): 1050-1058, https://doi.org/10.2105/AJPH.2022.306825.
    \23\ Sarah Jane Glynn, ``Breadwinning Mothers Are Critical to 
Families' Economic Security,'' Center for American Progress, March 
2021, https://www.americanprogress.org/issues/women/news/2021/03/29/
497658/breadwinning-mothers-critical-familys-economic-security.
    \24\ Brooke LePage and Jasmine Tucker, ``A Window Into the Wage 
Gap: What's Behind It and How to Close It,'' National Women's Law 
Center, Jan. 2023, https://nwlc.org/wp-content/uploads/2023/01/2022-
Wage-Gap-Factsheet-1.10.23.pdf.
    \25\ Daria Grayer et al., ``Paid Leave: A Health Justice Imperative 
for Maternal Mental Health,'' AAMC Center for Health Justice, Nov. 
2022, https://www.aamchealthjustice.org/news/policy/paid-leave.

There is also evidence from the national level that paid leave is 
effective. In 2020, Congress passed the Families First Coronavirus 
Response Act (FFCRA),\26\ which provided some employees with up to 10 
weeks of paid, job-protected ``public health emergency leave'' for 
parents caring for children whose school, child care provider or usual 
source of care had closed. Research shows that the law helped flatten 
the curve \27\ in the early days of the pandemic and was cost 
effective, with a lower price tag than the government initially 
predicted.\28\ But the FFCRA paid leave program expired in 2021, and no 
action has been taken since.
---------------------------------------------------------------------------
    \26\ Families First Coronavirus Response Act, Pub. L. No. 116-127, 
https://www.congress.gov/116/plaws/publ127/PLAW-116publ127.pdf.
    \27\ Stefan Pichler, Katherine Wen, & Nicolas R. Ziebarth, ``COVID-
19 Emergency Sick Leave Has Helped Flatten The Curve In The United 
States,'' Health Affairs 39, no. 12 (Oct. 2020), https://
www.healthaffairs.org/doi/10.1377/hlthaff.2020.00863.
    \28\ ``COVID-19: Urgent Actions Needed to Better Ensure an 
Effective Federal Response,'' United States Government Accountability 
Office, Report to Congressional Committees, Nov. 2020, https://
www.gao.gov/assets/gao-21-191.pdf.

We appreciate the Committee's bipartisan recognition of the urgency in 
solving the crisis caused by a lack of paid leave. But the design of a 
paid family and medical leave program is critical to ensuring that the 
law has the desired impact of supporting working families and making 
---------------------------------------------------------------------------
sure that workers aren't left behind.

Some opponents of comprehensive paid family and medical leave assert 
that as a result of the 2017 Tax Cuts and Jobs Act, employers are 
offering higher pay and better benefits to employees. Indeed, we heard 
similar arguments made at the hearing, suggesting that employer 
flexibility is the key to implementing paid leave. In fact, data 
indicate that rather than increasing investments in their workers as a 
result of the 2017 law, businesses issued record stock buybacks 
benefiting executives, boards of directors, and shareholders.\29\ While 
some employers in a limited number of sectors have been increasing paid 
family and medical leave policies, women, people of color, and low-wage 
workers are least likely to work within those sectors.\30\ Further, 
provisions of the 2017 tax law, such as the pass-through deduction, may 
have incentivized companies to provide fewer, rather than more, 
benefits and protections to workers.\31\ Thus, the evidence 
demonstrates that the 2017 tax law did not lessen the need for 
comprehensive, national paid family and medical leave.
---------------------------------------------------------------------------
    \29\ National Women's Law Center, Two Years Later: The Impact of 
the 2017 Tax Law on Women & Families (Dec. 2019), https://nwlc.org/
resources/two-years-later-the-impact-of-the-2017-tax-law-on-women-
families/.
    \30\ PL+US Employer Trends Report, Paid Leave for the U.S. (PL+US) 
(2019), https://paidleave.us/plusemployertrendsreport.
    \31\ Brendan Duke, Pass-Through Deduction in 2017 Tax Law Could 
Weaken Wages and Workplace Standards, Ctr. on Budget and Pol'y 
Priorities (Dec. 2018), https://www.cbpp.org/research/federal-tax/pass-
through-deduction-in-2017-tax-law-could-weaken-wages-and-workplace.

Years of progress in states have helped researchers identify components 
that make a strong paid family and medical leave program. When creating 
a national paid leave program, it is critical that that Congress crafts 
a policy that is inclusive, comprehensive, and builds on common sense 
---------------------------------------------------------------------------
solutions tested at the state level.

A national paid family and medical leave policy must include:

      Meaningful duration and progressive wage replacement rate. A 
paid family and medical leave program must provide at least 12 weeks of 
paid leave and replace all or most wages during leave to ensure that 
working people--especially those in low-paid jobs--can meaningfully 
access the benefit.
      Broad coverage and job protection. Paid family and medical leave 
must be available to all working people, including part-time workers 
and independent contractors. It must also give workers access to 
benefits quickly and guarantee that all workers are protected from 
retaliation for taking leave, can continue health insurance coverage 
during leave, and have the right to return to their jobs following 
leave.
      Expansive and inclusive uses. A strong paid leave policy must 
ensure that working people may take leave to care for themselves and 
their loved ones, including spouses, domestic partners, parents, 
children of any age, siblings, grandparents, grandchildren, and other 
individuals who comprise someone's ``chosen family.''
      Stable funding source. A national paid family and medical leave 
plan must be funded with new revenue--not through cuts or reductions to 
existing benefits from programs on which people rely. Small 
contributions shared by employers and working people will create a 
system to equitably and sustainably fund a permanent national paid 
leave program.

The Family and Medical Insurance Leave (FAMILY) Act, first introduced 
over a decade ago and strengthened this Congress, was the first 
comprehensive national paid family and medical leave plan designed to 
provide people, especially women and families, with the supports they 
need. The FAMILY Act builds on the progress made at the state level and 
represents the gold standard of federal paid leave proposals.

Building an economy that works for all people requires us to address 
not only the long-term impacts of the pandemic on women of color and 
women more generally, but also the deep underlying flaws in our social 
infrastructure that have long harmed women of color and their families. 
Paid family and medical leave is a vital part of how we build a new and 
better economy that finally works for women--and for all of us.

Sincerely,

Laura Narefsky
Senior Counsel, Workplace Justice

                                 ______
                                 
                      New America, Better Life Lab

                     740 15th Street, NW, Suite 900

                          Washington, DC 20005

                          Phone: 202-986-2700

                      https://www.newamerica.org/

October 25, 2023

Chairman Ron Wyden
Ranking Member Mike Crapo
U.S. Senate
Committee on Finance
219 Dirksen Senate Office Building
Washington, DC 20510-6200

Re: October 25, 2023 full committee hearing: Exploring Paid Leave: 
Policy, Practice, and Impact on the Workforce

Dear Chairman Wyden, Ranking Member Crapo, and Members of the 
Committee:

Thank you for convening this hearing, which is the first ever held by 
the full Senate Finance Committee focused exclusively on paid family 
and medical leave. I am a gender equity and work-family policy expert, 
and it has been my pleasure to testify and submit letters to Congress 
numerous times over the past decade about the need to guarantee 
universal access to meaningful paid family and medical leave as a 
national policy priority. I write today as a senior fellow at New 
America, a 501(c)(3) think tank ``dedicated to renewing, reimagining, 
and realizing the promise of America in an era of rapid technological 
and social change,'' though the views expressed here are my own.

The testimony and discussion at this hearing will undoubtedly build on 
the evidentiary record created in both the House and Senate over many 
years of committee hearings and congressional fact-finding.\1\ That 
record includes data, analysis, and testimonials about: the value of 
paid leave for workers, families, smaller and larger businesses, and 
the economy; the multiple harms and costs of legislative inaction; and 
workable policy models and best practices for both delivering paid 
leave benefits and the importance of extending unpaid leave protections 
beyond the coverage of the 1993 Family and Medical Leave Act (FMLA).
---------------------------------------------------------------------------
    \1\ Prior Senate hearings and roundtables on paid family and 
medical leave include: Senate HELP Committee, July 2021 (https://
www.help.senate.gov/hearings/paid-leave-for-working-families-examining-
access-options-and-impacts); Senate Finance Bipartisan Working Group on 
Paid Leave, June 2020 (https://www.finance.senate.gov/hearings/paid-
leave-proposals-in-the-covid-era); Senate Finance Subcommittee on 
Social Security, Pensions and Family Policy, July 2018 (https://
www.finance.senate.gov/imo/media/doc/39619.pdf); Senate HELP 
Subcommittee on Children and Families, July 2014 (https://
www.help.senate.gov/hearings/paid-family-leave-the-benefits-for-
businesses-and-working-families).
    Prior House hearings include: House Oversight and Reform Select 
Subcommittee on the Coronavirus, July 2022 (https://www.govinfo.gov/
content/pkg/CHRG-117hhrg47667/html/CH
RG-117hhrg47667.htm); House Ways & Means Markup of the Build Back 
Better Act, Sept. 2021; House Oversight and Reform, July 2021 (https://
oversightdemocrats.house.gov/legislation/hearings/leading-by-example-
the-need-for-comprehensive-paid-leave-for-the-federal); House Ways & 
Means Committee, April 2021 (https://democrats-waysandmeans.house.gov/
legislation/hearings
/full-committee-hearing-their-own-words-paid-leave-child-care-and-
economy-failed); House Education and the Workforce Subcommittee on 
Worker Protections, February 2020 (https://democrats-
edworkforce.house.gov/hearings/balancing-work-health-and-family-the-
case-for-expanding-the-family-and-medical-leave-act); House Ways & 
Means Committee, January 2020 (https://democrats-
waysandmeans.house.gov/legislation/hearings/legislative-proposals-paid-
family-and-medical-leave); House Ways & Means Committee, May 2019 
(https://democrats-waysandmeans
.house.gov/legislation/hearings/paid-family-and-medical-leave-helping-
workers-and-employers-succeed-0); House Education and the Workforce 
HELP Subcommittee, July 2018 (https://democrats-edworkforce.house.gov/
hearings/hr-4219-workflex-in-the-21st-century-act); House Education and 
the Workforce Subcommittee on Worker Protections, April 2017 (https://
edworkforce.
house.gov/calendar/eventsingle.aspx?EventID=401520); House Education 
and the Workforce Subcommittee on Worker Protections, April 2013 
(https://edworkforce.house.gov/calendar/event
single.aspx?EventID=326446).

We often invoke values of freedom and family in this country, but our 
country's current approach to people's need to care for themselves and 
their loved ones does not honor or respect these values. A brief review 
of workers' variable, disparate and often precarious access to paid 
leave reveals a nation of ``haves'' and ``have-nots'' when it comes to 
the ability to take paid time away from work to care for ourselves and 
---------------------------------------------------------------------------
our loved ones.

Employers as Gatekeepers Between Workers and their Families in Times of 
Need. Employers are gatekeepers to most workers' ability to care and 
provide for loved ones. For the vast majority of workers, the gate is 
closed.

Just 27 percent of private sector workers \2\ have paid family leave 
through their jobs, according to the Bureau of Labor Statistics (BLS) 
as of March 2023. Access for workers in the top decile of earners is 10 
times greater \3\ than for the lowest decile of earners (51 percent, 
still only a bare majority, vs. 5 percent)--and the gap has been 
growing over the past decade rather than shrinking. In addition, only 
about four in 10 workers \4\ have paid medical leave through an 
employer-provided short-term disability insurance plan for their own 
serious personal health issue.
---------------------------------------------------------------------------
    \2\ https://www.bls.gov/ebs/publications/employee-benefits-in-the-
united-states-march-2023.htm.
    \3\ https://www.newamerica.org/better-life-lab/blog/bls-family-
leave-2023/.
    \4\ https://www.bls.gov/ebs/publications/employee-benefits-in-the-
united-states-march-2023.htm.

The percentage of workers with access to employer-provided paid family 
leave has grown over the past decade, from 12 percent to 27 percent, 
but not evenly across industry, occupation, region, or wage level--and 
not nearly enough given the tens of millions of workers without paid 
family leave. Short-term disability insurance access rates have been 
relatively static. It would take well beyond the year 2100 to create 
universal access to paid family and medical leave if the private sector 
---------------------------------------------------------------------------
were left to its own devices.

In December 2017, Congress enacted the 45S paid family and medical 
leave tax credit \5\ and subsequently extended the availability of the 
credit through the end of 2025, but this nudge to incentivize employers 
to provide paid leave does not seem to have made an appreciable 
difference. BLS data shows that access to paid leave is higher and has 
grown more for higher-wage workers (for whom employers cannot seek the 
credit), and has grown more modestly for some lower-wage workers and 
hardly at all for the lowest wage workers for whom employers can seek 
the credit. Temporary disability insurance access has increased for 
some workers, but the gains have been modest and most middle- and 
lower-wage workers do not have coverage.
---------------------------------------------------------------------------
    \5\ https://www.irs.gov/newsroom/section-45s-employer-credit-for-
paid-family-and-medical-leave-
faqs#:%7E:text=Internal%20Revenue%20Code%20Section%2045S,on%20family%20a
nd%
20medical%20leave.

[GRAPHIC] [TIFF OMITTED] T0253.006


IRS data show that the 45S credit isn't widely used. In the 2020 
tax year, only 1230 firms nationwide filed claims for 45S credits,\6\ 
according to a review of the most IRS recent data--a tiny proportion of 
all firms in the country. In addition, an overwhelming share of federal 
dollars spent on the credit are flowing to higher-revenue firms: of the 
$101 million given to firms in tax credits between July 2020 and June 
2021, $89 million went to pay 180 claims from firms with over $1 
billion in revenue, whereas the remaining $12 million went to the other 
1000+ lower-revenue, perhaps smaller, firms. Finally, there's no 
indication whether these firms are using the credit to expand access to 
new benefits or simply to offset existing costs of paid leave they had 
already been providing; there is also no information about the number 
of employees who have been able to take leave or the quality of the 
leave they are provided by duration, purpose or wage replacement rate 
(the 45S credit is available for employer plans that offer as little as 
two weeks of leave at 50 percent pay, for one FMLA purpose).
---------------------------------------------------------------------------
    \6\ https://home.treasury.gov/system/files/131/Section-45S-Claims-
Tables-10172023.pdf.

States as Laboratories for Experimentation and Coverage. State-created 
comprehensive paid family and medical leave programs are the one 
mechanism that has dramatically increased access for workers, no matter 
---------------------------------------------------------------------------
their employer, their job, or their wage level.

As of October 2023, 13 states plus the District of Columbia \7\ have 
adopted paid leave programs that extend eligibility in a state to all 
or most private sector workers based on well-defined criteria; nine of 
these are currently operational (California, Connecticut, D.C., 
Massachusetts, New Jersey, New York, Oregon, Rhode Island and 
Washington), a tenth will begin paying benefits to eligible applicants 
in January 2024 (Connecticut), and four more will begin to operate 
fully in 2026 (Delaware, Maine, Maryland, and Minnesota).
---------------------------------------------------------------------------
    \7\ https://www.newamerica.org/better-life-lab/briefs/explainer-
paid-and-unpaid-leave-policies-in-the-united-states/.

Paid leave is not a new or experimental idea in the United States. The 
oldest paid family leave program in the country (California) has been 
providing security to workers for nearly 20 years (since mid-2004); the 
second oldest, New Jersey, has been in operation for nearly 15 years 
(since mid-2009); the third, Rhode Island, has been in place for nearly 
10 years (since mid-2014). New York's program began providing benefits 
in 2018. These four states had pre-existing temporary disability 
insurance programs to build on. Newer state programs--Washington state 
and Washington, D.C. (beginning in 2020), Massachusetts (beginning in 
2021), Connecticut (beginning in 2022), and Oregon beginning not even 
two months ago in September 2023)--all built new programs from scratch 
and have shown their ability to deliver benefits to workers as well as 
---------------------------------------------------------------------------
shed light on the best ways to structure and resource a new program.

Working people use paid leave programs judiciously to care for 
themselves and their loved ones. State program data show that only a 
small share of workers \8\ use these programs in a year (no more than 
6.3 percent in one state (RI) in 2021 and typically a far smaller 3 
percent share in others in the most recent year for which data is 
available) and, if anything, they have been underutilized.\9\ 
Underutilization has been due, in part, to low wage replacement rates 
that were part of original program structures and have since been 
improved in most places; lack of job protections, which have now been 
improved but are still imperfect in some places; and low levels of 
awareness, which states are now intentionally seeking to address 
earlier on. The older programs in California, New Jersey, Rhode Island 
and New York have been improved multiple times to be responsive to 
workers' and families' needs. These findings provide useful lessons for 
crafting new state programs and--one day, soon--a federal program.
---------------------------------------------------------------------------
    \8\ https://www.datawrapper.de/_/f0R9V.
    \9\ https://nationalpartnership.org/wp-content/uploads/2023/02/
meeting-the-promise-of-paid-leave.pdf.

Elements of Comprehensive State Paid Leave Program Coverage and 
Benefits. State paid leave programs cover workers with recent earnings 
or work history, regardless of their job or their employer, in most 
cases. They provide anywhere between 60% and 100% of a worker's typical 
wages \10\ up to a weekly cap, for a period of time (12 weeks is most 
common)\11\ to care for a new child, a seriously ill injured or 
disabled loved one, or a workers' own serious health issue. Some state 
programs also cover leave for military families when a loved one's 
deployment triggers caregiving needs for family members and/or for 
circumstances related to domestic violence. Most workers claim benefits 
by applying to a state agency, which reviews and approves or denies 
claims, operates an adjudication system, and ensures program integrity.
---------------------------------------------------------------------------
    \10\ https://www.datawrapper.de/_/d7HGz.
    \11\ https://www.datawrapper.de/_/zqft6.

These programs are sustainably funded \12\ through small payroll 
deductions from workers, employers, or both (often with contribution 
exemptions for the smallest employers). Small businesses in these 
states benefit from, and are not harmed by these programs. In fact, in 
states with the longest-standing paid leave programs, California,\13\ 
New Jersey,\14\ Rhode Island,\15\ and New York,\16\ small employers are 
supportive of paid leave programs and overwhelmingly report positive or 
neutral effects on productivity, morale, loyalty, and the ease of 
dealing with employees' leaves.
---------------------------------------------------------------------------
    \12\ https://www.datawrapper.de/_/D7vN6.
    \13\ https://www.cepr.net/documents/publications/paid-family-leave-
1-2011.pdf.
    \14\ https://www.cepr.net/documents/nj-fli-2014-06.pdf.
    \15\ https://www.dol.gov/sites/dolgov/files/OASP/legacy/files/
AssessingRhodeIslandTempor
aryCaregiverInsuranceAct_InsightsFromSurveyOfEmployers.pdf.
    \16\ https://www.nber.org/papers/
w28672?utm_campaign=ntwh&utm_medium=email&utm_
source=ntwg1.

Voluntary Programs. There are other state models aimed at creating 
pathways for employers to offer paid leave to their workers, but these 
have not expanded paid leave access in appreciable ways. For example, 
New Hampshire created a pooled fund run and operated by a private 
insurer \17\ that employers can choose to pay into; individuals whose 
employers do not provide coverage can choose to individually insure 
themselves beginning in 2024. In the first year of the New Hampshire 
program, only a tiny fraction of employers bought into the state plan, 
which means that the share of workers with access to paid leave is 
unlikely to have increased appreciably, if at all. Vermont is 
experimenting with this same approach; private employers are able to 
buy in now, with coverage that begins in January 2024. Watching these 
two states in 2024 will provide important information about the 
effectiveness and reach of this approach.
---------------------------------------------------------------------------
    \17\ https://www.paidfamilymedicalleave.nh.gov/.

Virginia and a few other states have created a process to license 
private insurers to expand their lines of coverage from short-term 
disability insurance to family leave insurance. This option has been 
open to insurers in Virginia for more than one year, but--as of October 
2023, only one insurer has secured the ability to offer a paid family 
leave product to sell to employers in the commonwealth of Virginia, and 
only two insurers, including the one that was approved, have tried. It 
is too early to find data whether insurers will choose to offer this 
product in the other states, which passed legislation in 2023. And 
there is currently no way to tell whether employers are buying the lone 
insurer's product that is offered in Virginia or to predict whether 
they will buy private insurance in other states. If short-term 
disability insurance purchase is any guide, the answer is that employee 
coverage will be disparate by job, industry and wage level, and far 
---------------------------------------------------------------------------
from universal.

The Current Patchwork Perpetuates Compounding Inequality. The status 
quo--with employers as gatekeepers and states divided into have- and 
have-not geographies--translates into vast inequalities in workers' 
access to paid leave and both families' and small business' access to 
support. For larger companies, different rules mean employees in one 
state may have different benefits than workers in another even within 
the same firm. Inequality in access to paid leave perpetuates 
inequities in economic security, wealth, health, and employment in ways 
that particularly disadvantage women, people of color, and people with 
low incomes.

Geographic and employer variation also disproportionately harm rural 
communities. According to original research \18\ I had the privilege to 
collaborate on with researchers at the University of North Carolina in 
2022, people in rural communities must travel three to five times 
further \19\ than people in metro areas to seek six major kinds of 
hospital-based services (OB, NICU, pediatric care, cancer screening, 
cancer treatment, and cardiac care) and nursing home care. At the same 
time, workers in rural areas--especially women--are less likely to have 
access to paid time away from work \20\ for health or caregiving 
reasons than those in metro areas. Our research concluded that paid 
leave is a rural health, labor force, and economic development 
imperative.
---------------------------------------------------------------------------
    \18\ https://www.newamerica.org/better-life-lab/reports/health-
work-and-care-rural-america/key-findings.
    \19\ https://www.newamerica.org/better-life-lab/reports/health-
work-and-care-rural-america/distances-to-travel-to-hospital-based-
health-care.
    \20\ https://www.newamerica.org/better-life-lab/reports/health-
work-and-care-rural-america/lack-of-paid-leave-as-a-barrier-to-care-
health-and-economic-security/#c-additional-insights-on-access-to-paid-
leave-in-rural-america.

It Is Well Past Time To Establish a National Paid Leave Program. Today, 
more than 30 years after the FMLA went into effect, millions of people 
in this country (an estimated 44 percent of the workforce) still do not 
have any federal family or medical leave protections because of the 
FMLA's exclusion of businesses with fewer than 50 employees within a 
75-mile radius and restrictive eligibility rules for workers, which 
require a year of tenure and at least 1,250 hours of work for one's 
employer within the past year. And, as explained above, millions more 
do not have paid leave to use through their jobs when a child arrives 
or a family member needs care, or a serious health issue of their own 
---------------------------------------------------------------------------
requires time away from work.

The federal government has taken steps toward universal paid leave. In 
2014-2016, DOL funds helped spur state paid leave innovation and study, 
to expand access to more workers. The 2017 federal paid leave 45S tax 
credit, while ineffective, revealed an interest in a national approach. 
In 2019, the federal government created new rights for parents in the 
federal workforce in the bipartisan NDAA. In 2020, the bipartisan 
Families First Coronavirus Response Act included a first-ever, limited 
paid sick and child care leave benefit. In 2021, the House passed the 
first-ever comprehensive paid family and medical leave program in the 
Build Back Better Act. All of these steps, plus lessons about paid 
leave benefits and administration at the state level, shows us what a 
national paid leave program should include and offers models for how 
such a program could be structured.

As detailed in this short article,\21\ a well-designed, well-
implemented, and well-
funded comprehensive national paid leave program that follows best-
practices from state programs and looks like other models Congress has 
considered before \22\ (e.g., the Build Back Better Act as approved by 
the House Ways & Means Committee) and currently before it (The Family 
and Medical Insurance Leave Act)\23\ would improve the economic 
security and health of individuals; contribute to a stronger and more 
inclusive labor force; support thriving large and small businesses and 
promote entrepreneurship; and help grow the economy. It would also 
advance gender, racial and economic equity, reduce health disparities 
and promote the efficient use of health resources and other public 
expenditures.
---------------------------------------------------------------------------
    \21\ https://www.newamerica.org/the-thread/seven-outcomes-of-
implementing-a-universal-paid-leave-policy-in-the-united-states/.
    \22\ https://www.urban.org/research/publication/evolution-federal-
paid-family-and-medical-leave-policy.
    \23\ https://www.congress.gov/bill/118th-congress/senate-bill/1714.

---------------------------------------------------------------------------
A national program should:

      Make at least 12 weeks of paid leave available to all workers so 
that they can address their serious personal and family medical and 
caregiving needs. This treats all of the caregiving needs people have 
as equally important and valuable; it minimizes the risk of unintended 
consequences with respect to gender or age discrimination; and it is 
particularly beneficial for women and people of color, who are least 
likely to have meaningful paid leave provided by employers but are more 
likely to take on family caregiving responsibilities. This federal 
standard would set a meaningful and familiar baseline that serves the 
needs of the vast majority of workers who need leave. It is also 
consistent with most state programs--though some state programs provide 
even more time.

      Have eligibility rules that are inclusive of all working people, 
whether full-time or part-time; in the private-, non-profit, or public-
sector; traditional employees, self-employed and independent workers; 
younger workers; people with intermittent work histories; and people 
with limited earnings but recent attachment to the labor force.

      Replace a high share of wages, or all wages, for lower-wage 
workers while providing middle-wage workers at least two-thirds of 
their wages, using a sliding scale for wage replacement. This reflects 
important lessons from state paid leave programs and international 
experience, and incorporates recommendations of leading researchers.

      Include family caregiving rules that reflects the diversity of 
caregiving relationships people have. This reflects state best 
practices: virtually all states with paid leave programs now provide 
paid leave for workers to care for loved ones beyond immediate family 
and several include family members related by affinity as well as 
blood.

      Ensure that all paid leave is job protected so that workers feel 
secure using the paid leave that is available without risking job loss; 
this is especially important in any system that is funded fully or 
partially through worker contributions. Anti-retaliation protections 
for all workers are also very important.

      Harmonize federal and state programs' administration so that 
workers in states where paid leave is available and either equal to or 
more generous than a federal program can maintain the value of their 
state policies and state benefit administration. Federal legislation 
should provide states the time and financial resources they need to 
adapt their existing programs to a new federal landscape. It should 
also create rules for employers who operate across multiple states that 
honor state-level benefits, especially where those benefits exceed 
federal benefits, while also acknowledging these employers' unique need 
to harmonize benefits across states.

      Offer assistance for small businesses so that small employers--
like their workers--are grateful beneficiaries of this new benefit. 
Research from states shows the value of paid leave programs for small 
businesses in terms of attracting and retaining workers, helping to 
navigate employees' absences, and promoting productivity, among other 
positive outcomes.

      Include resources for agency implementation, research, outreach 
and enforcement so that the promise of the program can be realized. 
State paid leave experience underscores the importance of continued 
investments in ensuring people understand and can use the benefits 
available and in analyzing the way benefits are delivered to ensure 
equitable utilization.

Paid leave rewards work and helps build a strong economy at the same 
time as it supports families. It strengthens people's attachment to the 
workforce and promotes employee retention while honoring people's 
responsibilities to their loved ones. It also reflects values that 
unite us, like love, responsibility, care, dignity, freedom, and 
family.

A national paid family and medical leave program isn't a ``nice to 
have'' and is not experimental. It's essential. I urge you to address 
both the needs and the desires of the American public, who--across 
demographic, ideological and regional lines--have long been 
overwhelmingly supportive of national action on paid leave.

When Congress enacts a national paid leave plan, the United States will 
no longer force working people, families, or businesses to go it alone. 
It is well past time to make access to meaningful , inclusive, 
comprehensive paid family and medical leave a reality for every working 
person in the United States, no matter where they live, work, their 
job, or their serious care or health need.

With appreciation for the committee's time, attention, and care,

Vicki Shabo
Senior Fellow for Gender Equity, Paid Leave, and Care Policy and 
Strategy
Better Life Lab at New America

                                 ______
                                 
                               1,000 Days

                        An Initiative of FHI 360

                      2101 L Street, NW, Suite 700

                          Washington, DC 20037

                                                   October 26, 2023

This week, the Senate Finance Committee held a hearing on paid leave, 
highlighting the critical need for family and medical paid leave and 
how our current patchwork of paid leave policies falls short of 
supporting all infants and families. It also confirmed the importance 
of paid leave for workers, businesses, and the country.

While there have been some gains in paid family leave over the past 
five years, the Bureau of Labor Statistics shows that only about 1 in 4 
employees (27 percent)\1\ in the private sector workforce have access 
to paid family leave. Access to paid family leave is lower among those 
receiving lower wages or working part-time. People of color also have 
less access to paid family leave than their white counterparts.
---------------------------------------------------------------------------
    \1\ https://www.bls.gov/ebs/factsheets/family-leave-benefits-fact-
sheet.htm.

This lack of paid family leave means parents are often forced to choose 
between taking time off from work to care for their young children and 
earning the income they need to support their families. It means that 1 
in 4 women in America \2\ return to work just 2 weeks after giving 
birth, putting their health and that of their infant at risk. Policies 
that enable parents to spend time nurturing and caring for their 
babies--particularly in the early weeks after birth and for babies that 
are born pre-term, low birthweight or with illness--are critical to the 
healthy cognitive, social, and emotional development of children.
---------------------------------------------------------------------------
    \2\ https://inthesetimes.com/article/the-real-war-on-families.

We applaud state, local and business-level efforts to increase access 
to paid family leave, but it is not enough to address this public 
health crisis. We need a national paid family and medical leave program 
that is comprehensive and covers all workers, including small business 
employees and the self-employed. Paid leave is the biggest obstacle to 
working women in the U.S. in the 1,000-day window and can reduce racial 
and ethnic health disparities. Our 2020 qualitative paid leave report 
\3\ highlights real stories from families without access to paid leave 
and the detrimental impacts it had on their family, including their 
health and the health of their baby.
---------------------------------------------------------------------------
    \3\ https://thousanddays.org/wp-content/uploads/Qualitative-paid-
leave-report_FINAL-single-pages-1.pdf.

We appreciate the Senate Finance Committee's thoughtful attention to 
this issue. We call on Congress to take the next step, moving 
legislation to enact a comprehensive national paid leave policy that 
supports mothers and families and ensures children get the strongest 
---------------------------------------------------------------------------
start to life.

Solianna Meaza
Interim Initiative Director

                                 ______
                                 
                             Oxfam America

                    1101 17th Street, NW, Suite 1300

                        Washington, DC 20036 USA

                         TEL +1 (202) 496-1180

                         FAX +1 (202) 496-1190

                     https://www.oxfamamerica.org/

October 25, 2023

Dear Chairman Wyden, Ranking Member Crapo, and Members of the 
Committee,

Thank you for the opportunity to submit a statement for the record for 
the hearing on ``Exploring Paid Leave: Policy, Practice and Impact on 
the Workforce.'' Oxfam is a global organization whose mission is to 
fight inequality to end poverty and injustice. As part of that mission, 
we advocate for economic justice and gender equality. Domestically in 
the US, we conduct research and advocate for policies that improve the 
well-being of workers, working families, and their communities.

We focus on labor and care policies that directly or disproportionately 
impact low-wage workers, who are disproportionately women and people of 
color.\1\ We believe that policies that improve conditions for the most 
marginalized workers raise standards for all workers, while helping to 
fight gender, racial, and economic inequality. These include policies 
to support unpaid caregivers and care workers, as care work is not only 
inherently valuable, but it also makes all other work possible. 
Policies centering care are essential to supporting workers and working 
families; they have the potential to lift people out of poverty; and 
because women are often responsible for a disproportionate share of 
unpaid care work, they can help fight gender inequality.
---------------------------------------------------------------------------
    \1\ Oxfam America, ``The Crisis of Low Wages in the U.S.: Who Makes 
Less Than $15 an Hour in 2022,'' March 21, 2022 at https://
webassets.oxfamamerica.org/media/documents/low_wage_
report_2022_final.pdf.

Providing paid family and medical leave to all workers will help 
workers care for themselves and their families without having to 
sacrifice their livelihoods. Low-wage workers are less likely to have 
access to any form of leave, and they are more likely to face harmful 
financial consequences from taking leave. This especially harms women 
and people of color, who are overrepresented in the low-wage workforce. 
With access to paid family and medical leave, workers will not be 
forced to choose between caring for themselves and their families, and 
---------------------------------------------------------------------------
keeping their jobs.

One crucial way to work toward a more equitable and prosperous United 
States is to provide paid family and medical leave to all workers. 
Oxfam's research and analysis demonstrates that while the US is far 
behind its economic peer nations when it comes to supporting workers 
and working families, there are models both in US states and peer 
nations that demonstrate the benefits of paid family and medical leave 
to both the economy and the well-being of working families.

We appreciate the attention the Committee has given to this topic.

 Congress Can Support Workers, Caregivers, and Working Families

The workforce is the backbone of our economy. The paid and unpaid labor 
people do outside and within their homes is what keeps this country 
running. But without workplace policies that allow them to care for 
themselves and their families, we strip workers of their dignity, cause 
workers and caregivers harm, and devalue care work. Paid family and 
medical leave is a critical policy that contributes to workers' and 
their families' financial security and their physical, mental, and 
emotional well-being. This is especially true for workers who are women 
and people of color, groups who are least likely to have paid family 
and medical benefits through their employer or due to the state in 
which they live.

Oxfam America's US Care Policy Scorecard,\2\ developed together with 
the National Partnership for Women and Families, the National Women's 
Law Center, and Notre Dame University, analyzes 30 federal policy 
indicators related to unpaid care work, underpaid care work, and 
workplace policies in the US. Under this analysis, the US scores a 
shameful 43% overall. Under our category of ``Care Supporting 
Workplaces,'' the US scores a 7%, in part because there is no federally 
mandated paid leave of any kind in this country. This shows that we are 
failing at ensuring workplaces meet the needs of our paid workforce, 
especially by providing workers with the support needed to provide and 
receive care at home.\3\
---------------------------------------------------------------------------
    \2\ Oxfam America, ``US Care Policy Scorecard: Assessing federal 
unpaid and underpaid care policies in the US,'' July 19, 2023 at 
https://www.oxfamamerica.org/explore/research-publications/
uscarescorecard/.
    \3\ Ibid.
---------------------------------------------------------------------------

LExamples from US States and Peer Nations Show Paid Family and Medical 
                    Leave Policies Contribute to a Strong Economy

The United States is the only economically advanced country that does 
not guarantee a single day of paid family or sick leave for its 
workers. In Oxfam America's 2023 report, Where Hard Work Doesn't Pay 
Off, we analyze 56 policies across all 38 OECD member nations in three 
key dimensions: wages, worker protections, and rights to organize. In 
all three categories, the US ranks near-last or last among our economic 
peer nations. In other OECD countries, new parents are guaranteed 
months of paid leave to care for and bond with their new children, 
while in the United States new parents are guaranteed zero paid days 
off. Our research comparing the US to its economic peers shows that 
critical workplace and caregiving policies like paid family and medical 
leave are in fact a key part of a robust workforce and thriving 
economy.\4\
---------------------------------------------------------------------------
    \4\ Oxfam America, ``Where Hard Work Doesn't Pay Off: An index of 
US labor policies compared to peer nations,'' May 3, 2023 at https://
www.oxfamamerica.org/explore/research-publications/where-hard-work-
doesnt-pay-off/.

In 2023, Oxfam released our fifth annual Best and Worst States to Work 
in America and Best States for Working Women Index, which analyzes 26 
policies in all 50 states plus Washington, D.C., and Puerto Rico. Our 
report rank states from best to worst across three policy dimensions: 
wages, worker protections (including paid family and medical leave), 
and rights to organize. Our Best States for Working Women Index looks 
specifically at labor policies that directly or disproportionately 
impact working women, including paid family and medical leave. Our 
research not only highlights effective state-level models for paid 
leave programs, but it also finds that states with stronger labor 
policies experience better measures of household income, GDP per 
capita, food security, and even lower rates of infant mortality. 
Minnesota's new paid leave program, for example, is comprehensive, 
providing up to 20 weeks of paid leave for private, public, and part-
time employees, and extending ``safe leave'' coverage for survivors of 
sexual or domestic violence. Further, the policy's definition of family 
is expansive, recognizing that workers may routinely care for people to 
whom they aren't legally or biologically related. Examples from US 
states demonstrate that a federal paid family and medical leave policy 
will have beneficial impacts on our country's economy and its 
workforce.\5\
---------------------------------------------------------------------------
    \5\ Oxfam America, ``Best and Worst States to Work in America 
2023,'' August 20, 2023, at https://www.oxfamamerica.org/explore/
research-publications/best-and-worst-states-to-work-in-america-2023/.

While state policies provide useful models, the variation from state to 
state is perpetuating inequality in our country; a federal paid family 
and medical leave program is crucial to ensuring that a worker's 
dignity, health, and prosperity does not depend on where they live.

 Paid Family and Medical Leave Promotes Gender and Racial Equity

In a 2020 report, Oxfam America and Institute for Women's Policy 
Research demonstrated that, prior to COVID-19, women in the US spent 
37% more time on unpaid care work than men--that is an average of more 
than 2 hours a day. A conservative estimate of the value of women and 
girls' unpaid care work in the United States is $1.48 trillion 
annually--more than twice the US defense budget or about double the 
combined annual revenue of America's top five technology companies.\6\ 
Stagnating wages in the U.S. disproportionately harm women, 
specifically women of color, who are often caught in low-wage positions 
and are overwhelmingly breadwinners for their families. Occupational 
segregation means women, and especially women of color, are stuck in 
low-wage positions lacking paid family leave or paid sick leave. For 
those women who are primary breadwinners or single parents, illness or 
family concerns often mean losing pay to care for oneself or others, 
putting these families' ability to afford basic costs of living at 
risk, continuing the cycle of poverty even for full-time workers.
---------------------------------------------------------------------------
    \6\ Oxfam America and Promundo, ``Caring Under COVID-19: How the 
Pandemic Is and Is Not Changing the Unpaid Care and Domestic Work 
Responsibilities in the United States,'' July 29, 2020 at https://
www.oxfamamerica.org/explore/research-publications/caring-under-covid-
19/.

This makes paid family and medical leave especially crucial for 
ensuring that all women can stay in the paid workforce without losing 
pay, while protecting their own and their families' health and well-
being. Federal paid family and medical leave would have tremendous 
impacts for all women of color, as workers of color are the least 
likely to be able to afford to take Family and Medical Leave Act (FMLA) 
leave because it is unpaid. Additionally, paid family and medical leave 
helps combat the maternal health crisis that Black women face in this 
country, while also increasing their earnings and reducing their 
``parenthood penalty.''\7\
---------------------------------------------------------------------------
    \7\ National Partnership for Women and Families, ``For Women and 
Workers of Color in Every State, Paid Leave Is a Lifeline,'' October 
2021, at https://nationalpartnership.org/wp-content/uploads/2023/02/
paid-leave-lifeline-in-states.pdf.
---------------------------------------------------------------------------

LPaid Family and Medical Leave Will Support Working Families and 
                    Strengthen the Economy

We applaud the bipartisan congressional support for enacting paid leave 
and we are grateful to the Committee for prioritizing this issue. 
Passing federal paid leave legislation is essential to supporting 
workers and working families--especially women, who are more likely to 
have caregiving responsibilities--and to strengthening our economy. 
Oxfam joins our allies in urging Congress to enact federal paid family 
and medical leave that meets the needs of all workers.

This is why we are calling for the passage of the Family and Medical 
Insurance Leave (FAMILY) Act, which provides up to 12 weeks of paid 
family and medical leave for reasons ranging from medical issues to 
childbirth, or to support caregiving responsibilities.

Thank you for your consideration of these perspectives and 
recommendations, and for the important work the Committee is doing to 
meet the needs of workers and caregivers in the United States. Oxfam 
America's experts welcome the opportunity to further discuss the need 
for paid family and medical leave, including sharing more about our 
research, analysis, and policy recommendations outlined above. We look 
forward to working with the Committee.

Sincerely,

Oxfam America

                                 ______
                                 
                                  PHI

                   quality care through quality jobs

                     261 Madison Avenue, Suite 913

                           New York, NY 10016

                              718-402-7766

                      https://www.phinational.org/

Thank you for the opportunity to provide a statement regarding the need 
for a national paid leave policy that includes direct care workers.

About Us. PHI is a national organization committed to strengthening the 
direct care workforce by producing robust research and analysis, 
leading federal and state advocacy initiatives, and designing 
groundbreaking workforce interventions and models. For more than 30 
years, we have brought a 360-degree perspective on the long-term care 
sector to our evidence-informed strategies. As the nation's leading 
authority on the direct care workforce, PHI promotes quality direct 
care jobs as the foundation for quality care.

Direct care workers need and deserve access to paid leave. Direct care 
workers assist older adults and people with disabilities with essential 
daily tasks and activities across a range of long-term care settings. 
They include 4.8 million home care workers, residential care aides, and 
nursing assistants in nursing homes.\1\ Tragically, most of these 
workers cannot take paid time off to care for themselves or a loved 
one: one study found that only 35 percent of direct care workers who 
took time off for family care or medical reasons were able to take paid 
leave.\2\
---------------------------------------------------------------------------
    \1\ PHI. 2023. Direct Care Workers in the United States: Key Facts. 
New York, NY: PHI. https://www.phinational.org/resource/direct-care-
workers-in-the-united-states-key-facts-2023/.
    \2\ Cook, Allison. 2018. Paid Family and Medical Leave: How States 
Should Support Direct Care Workers. New York, NY: PHI. https://
phinational.org/resource/paid-family-medical-leave-states-support-
direct-care-workers/.

Paid family and medical leave is a crucial benefit that direct care 
workers--who earn poverty-level wages--need to succeed and remain in 
their jobs. Nearly a third of direct care workers have children under 
the age of 18 living at home--including one in ten who live with a 
child or children under the age of five.\3\ Many direct care workers 
manage other caregiving responsibilities as well: 17 percent of direct 
care workers live with someone with long-term care needs, while 29 
percent of home care workers, 31 percent of residential care aides, and 
18 percent of nursing assistants are family caregivers.\4\
---------------------------------------------------------------------------
    \3\ PHI. 2023. ``Workforce Data Center.'' https://phinational.org/
policy-research/workforce-data-center/.
    \4\ Ruggles, Steven, Sarah Flood, Ronald Goeken, Josiah Grover, 
Erin Meyer, Jose Pacas, and Matthew Sobek. 2020. IPUMS USA: Version 
10.0. https://doi.org/10.18128/D010.V10.0; analysis by PHI (May 2021); 
PHI. 2023. Direct Care Workers in the United States: Key Facts. New 
York, NY: PHI. https://www.phinational.org/resource/direct-care-
workers-in-the-united-states-key-facts-2023/.

The need direct care workers have for paid leave was reinforced and 
amplified by the COVID-19 pandemic. While providing essential care for 
older adults and people with disabilities across settings during an 
unprecedented crisis, most workers could not afford to take time off 
when needed, for example, to quarantine due to COVID-19 exposure or 
illness--and as a result, many left their jobs altogether.\5\ 
Unfortunately, few of these workers returned to the field.\6\ With a 
national program of paid family and medical leave in place, these 
workers would not be forced to choose between keeping their jobs to 
survive financially or safeguarding their own health or that of their 
families and clients.
---------------------------------------------------------------------------
    \5\ Campbell, Stephen. 2021. ``Will COVID-19 Change Direct Care 
Employment? New Data Offer Clues.'' PHI Newsroom, April 12, 2021. 
https://www.phinational.org/will-COVID-19-change-direct-care-
employment-new-data-offer-clues/.
    \6\ McCall, Stephen, Kezia Scales, and Joanne Spetz. 2021. 
Workforce Displacement and Re-
Employment During the COVID-19 Pandemic: Implications for Direct Care 
Workforce Recruitment and Retention. San Francisco, CA: UCSF Health 
Workforce Research Center on Long-Term Care. https://
www.phinational.org/resource/workforce-displacement-and-re-employment-
during-the-COVID-19-pandemic/.

Paid leave is a critical component to overcoming our nationwide direct 
care workforce crisis. Home care agencies, residential care 
environments, nursing homes, and individual consumers are struggling 
across the country to recruit and retain direct care workers.\7\ This 
problem will only worsen, absent significant policy changes. Given our 
rapidly aging population and increasing need for long-term services and 
supports, the direct care workforce is expected to add over one million 
new jobs from 2021 to 2031--more new jobs than any other single 
occupation in the country.\8\ When also accounting for direct care 
positions created as workers leave their jobs--a symptom of poor job 
quality in this sector--there will be an estimated 9.3 million total 
job openings in direct care from 2021 to 2031.\9\
---------------------------------------------------------------------------
    \7\ American Health Care Association. 2022. State of the Nursing 
Home Industry: Survey of 759 nursing home providers show industry still 
facing major staffing and economic crisis. Washington, DC. https://
www.ahcancal.org/News-and-Communications/Fact-Sheets/FactSheets/SN
F-Survey-June2022.pdf; Kerr, Natalie. 2022. ``A Shortage of Health 
Aides is Forcing out Those Who Wish to Get Care at Home.'' Shots: 
Health News from NPR, May 5, 2022. https://www.npr.org/sections/
healthshots/2022/05/05/1095050780/a-shortage-of-health-aides-is-
forcing-out-those-who-wish-to-get-care-athome https://www.npr.org/
sections/health-shots/2021/06/30/1010328071/with-workers-in-short-
supplyseniors-often-wait-months-for-home-health-care.
    \8\ U.S. Bureau of Labor Statistics (BLS), Employment Projections 
Program (EPP). 2022a. National Employment Matrix--Industry. https://
data.bls.gov/projections/nationalMatrixHome?io
Type=i; analysis by PHI (June 2023). U.S. Bureau of Labor Statistics 
(BLS), Employment Projections Program (EPP). 2022. EP Data Tables, 
Table 1.10 Occupational Separations and Openings, Projected 2021-2031. 
https://www.bls.gov/emp/tables.htm; analysis by PHI (June 2023).
    \9\ BLS EPP, 2022.

At the heart of this quickly deepening workforce crisis is a policy and 
financing framework that perpetuates the historical undervaluing of 
essential, professional, and high-quality direct care work. Direct care 
workers' economic security and willingness to stay in the field rely on 
livable wages and comprehensive employment benefits. Higher wages in 
direct care are desperately needed: median annual earnings are just 
$23,688, while 39 percent of these workers live in low-income 
households and 46 percent rely on public benefits, such as Medicaid, 
SNAP, and cash assistance.\10\ In this context, increasing access to 
employment benefits and protections--especially paid leave--is crucial 
for ensuring direct care workers have the total compensation they need 
to meet their basic needs and improve economic security across the 
workforce.
---------------------------------------------------------------------------
    \10\ PHI. 2023. ``Workforce Data Center.'' https://phinational.org/
policy-research/workforce-data-center/.

Paid leave is critical for equity, especially for a diverse and 
marginalized direct care workforce. More broadly, lack of access to 
paid leave disproportionately impacts women and people of color, who 
are at greater risk of taking unpaid leave or exiting the labor force 
if they experience a serious illness or need to care for a family 
member (which they are also more likely to experience).\11\ Lack of 
access to paid leave also disproportionately impacts low-wage workers, 
who are less likely to have that benefit through their employers and, 
even when they have access to unpaid leave, often cannot afford to take 
it.\12\ The direct care workforce falls largely into these categories: 
86 percent are women, 62 percent are people of color, and median annual 
earnings are a mere $23,688--well below a living wage in any state.\13\
---------------------------------------------------------------------------
    \11\ Milli, Jessica, Jocelyn Frye, and Maggie Jo Buchanan. 2022. 
``Black Women Need Access to Paid Family and Medical Leave.'' Center 
for American Progress, March 4, 2022. https://www.americanprogress.org/
article/black-women-need-access-to-paid-family-and-medical-leave/; 
Gallagher Robbins, Katherine & Jessica Mason. 2023. ``Women's unpaid 
caregiving is worth more than $625 billion--and it could cost more.'' 
National Partnership for Women & Families Blog, August 14, 2023. 
https://nationalpartnership.org/womens-unpaid-caregiving-worth-more-
than-625-billion/.
    \12\ Mason, Jessica and Katherine Gallagher Robbins. 2023. 
``Women's Work Is Undervalued, and It's Costing Us Billions.'' National 
Partnership for Women & Families, March 2023. https://
nationalpartnership.org/wp-content/uploads/2023/04/womens-work-is-
undervalued.pdf.
    \13\ PHI. 2023. ``Workforce Data Center.'' https://phinational.org/
policy-research/workforce-data-center/.

A national paid leave program, like the approach proposed in the FAMILY 
Act, is an important step toward addressing these racial and gender 
inequities in accessing paid leave.\14\ Such a national plan would 
boost labor force participation and reduce turnover in a field 
experiencing both a crisis of turnover and an explosion in need. It 
would also help to address the long-standing historical undervaluing of 
essential workers who provide vital long-term care and need the ability 
to provide that same care to themselves and their loved ones.
---------------------------------------------------------------------------
    \14\ Family and Medical Insurance Leave (FAMILY) Act. 2023. H.R. 
3481.

                                 ______
                                 
                      Reproductive Freedom for All

                     1725 Eye Street, NW, Suite 900

                          Washington, DC 20006

We thank the Senate Finance Committee and Chairman Ron Wyden for 
scheduling time to discuss the critical need for paid leave and for the 
opportunity to submit a statement to the Committee on this important 
issue. On behalf of our 4 million members, Reproductive Freedom for All 
urges you to pass legislation to establish a comprehensive, inclusive, 
and equitable national paid family and medical leave program for every 
working person in the United States. As Chairman Wyden emphasized 
throughout the hearing, paid leave is not only incredibly popular, but 
it would have profound, positive impacts on the lives and well-being of 
all workers and their families.

  I.  Paid Family and Medical Leave is a Critical Component of 
                    Reproductive Freedom

Paid family and medical leave is a critical component of reproductive 
freedom and everybody deserves the freedom, dignity, and financial 
stability that it offers. Paid leave is essential for allowing 
individuals and families to exercise their freedom to determine if, 
when, and how to have a child. Without it, people do not have the time 
needed to heal from childbirth, families do not have time to bond with 
their new babies, and many working people must risk their livelihoods 
to care for sick or injured family members.

The American College of Obstetricians and Gynecologists has recognized 
the importance of paid leave and the role it plays in improving the 
health of the pregnant/post-partum person and the new baby, reducing 
infant mortality, and strengthening the parent-child bond.\1\ As 
Jocelyn Frye, the President of the National Partnership for Women & 
Families stated in her testimony (https://www.finance.senate.gov/imo/
media/doc/10252023_frye_testimony.pdf) for the hearing, ``paid leave 
programs increase the time new mothers take to bond with new children 
and recover from birth, and reduce the incidence of low birthweight and 
preterm births--with both benefits especially pronounced for Black 
mothers. Research also links state paid leave programs to improved 
physical and mental health for new mothers, including lower postpartum 
distress, improved on-time vaccination rates, greater initiation and 
duration of breastfeeding, fewer infant hospitalizations and more.''
---------------------------------------------------------------------------
    \1\ Paid Parental Leave Statement of Policy, American College of 
Obstetricians and Gynecologists (Aug. 2020), https://www.acog.org/
clinical-information/policy-and-position-statements/statements-of-
policy/2020/paid-parental-leave?utm_source=redirect&utm_medium=web&
utm_campaign=int.

Yet, because the United States currently lacks a national paid family 
leave program, one in four women returns to work less than 10 days 
after giving birth.\2\ Furthermore, under our current system in which 
workers are at the mercy of employer policies or state laws, Black and 
Hispanic employees are less likely to be eligible for paid leave 
programs than white workers.\3\ These disparities further entrench 
income inequality and contribute to disproportionate maternal mortality 
rates. As Frye explained in her testimony, ``[t]he inadequate access to 
paid leave for women and communities of color compounds other racial 
injustices including the racial wealth gap, maternal morbidity and 
mortality, inequitable access to health care and discriminatory 
experiences with health care providers. Inadequate paid leave policies 
cost Black women and their families nearly $4 billion a year in lost 
wages, a loss that is especially challenging because Black women also 
face a large gender wage gap. Despite their caregiving commitments, 
surveys find that Black and Latino workers are less able to take leave 
when they need it.''
---------------------------------------------------------------------------
    \2\ A Quarter of New Moms Return to Work 2 Weeks After Childbirth, 
Chicago Tribune (Aug. 20, 2015), https://www.chicagotribune.com/
business/ct-maternity-leave-two-weeks-20150820-story.html.
    \3\ Quick Facts on Paid Family and Medical Leave, Center for 
American Progress (Feb. 5, 2021), https://www.americanprogress.org/
issues/women/news/2021/02/05/495504/quick-facts-paid-family-medical-
leave.

All people deserve quality time to nurture their children and to care 
for themselves and their family members without the fear of financial 
instability. A paid family leave program will stop employers from 
denying new parents precious time with their new child and will provide 
all families with the dignity of paid time off to care for loved ones.

  II.  Congress Should Act Now to Establish a Comprehensive, Inclusive, 
                    and Equitable National Paid Family and Medical 
                    Leave Program for All Workers

Paid leave legislation is essential for ensuring that all working 
people have the ability to take time off to care for their children and 
family members, and to address their own serious health conditions. The 
U.S. needs a paid leave program that would, at a minimum, provide all 
workers with an adequate portion of their wages for 12 weeks per year 
to:

      Address their own serious health conditions or due to pregnancy 
and childbirth;
      Care for a new child, including an adopted child or a child in 
foster care;
      Care for a family member with a serious health condition; or
      Take on certain caregiving responsibilities.

We are past due for a national paid leave program to meet the needs of 
new parents and people with serious personal or family health 
conditions.

Under current law established by the Family and Medical Leave Act 
(FMLA), employers are only required to provide 12 weeks of unpaid 
leave.\4\ FMLA also only applies to employers with over 50 employees, 
leaving millions of people without any workplace leave protections.\5\ 
In 2020, only 20% of private sector workers in the United States had 
access to paid family leave through their employers.\6\ In addition, 
93% of people with low income have no access to paid family leave.\7\ 
Working people who lack paid family and medical leave face lost wages 
or even job loss when they miss work because of their own illness, to 
recover from pregnancy and childbirth, or to care for an ill child or 
parent.
---------------------------------------------------------------------------
    \4\ 29 U.S.C. Sec. Sec. 2601 et seq.
    \5\ 29 U.S.C. Sec. 2611(4)(A).
    \6\ Databases, Tables and Calculators by Subject: Percent of 
Private Industry Workers with Access to Paid Family Leave, U.S. Dep't 
of Labor, Bureau of Labor Statistics (May 3, 2021), https://
data.bls.gov/timeseries/NBU28700000000000033349.
    \7\ Fact Sheet: Economic Recovery Must Include Job-Protected Paid 
Family and Medical Leave, The Center for Law and Social Policy (March 
2021), https://www.clasp.org/sites/default/files/publications/2021/03/
2021_Economic%20Recovery%20PFML.pdf.

In addition to covering all working people, it is essential that any 
paid leave program include all of the reasons for leave currently 
covered for unpaid leave under FMLA. Proposals that limit paid leave 
only to reasons related to a new child (including pregnancy, birth, 
adoption, or foster care), that offer only temporary help, or that 
penalize parents for taking leave simply do not meet the needs of 
workers across the country.\8\
---------------------------------------------------------------------------
    \8\ Employee and Worksite Perspectives of the Family and Medical 
Leave Act: Results from the 2018 Surveys, U.S. Dep't of Labor (July 
2020) (noting that 51% of employees who take unpaid FMLA leave do so to 
address their own illness, 25% take FMLA leave for pregnancy, 
childbirth, adoption, or foster care, and 19% take FMLA leave to care 
for a parent, spouse, or child), https://www.dol.gov/sites/dolgov/
files/OASP/evaluation/pdf/WHD_FMLA2018SurveyResults_
FinalReport_Aug2020.pdf.

Furthermore, the definition of family must be inclusive to reflect the 
diverse identities and realities of workers across the country. The 
program must be gender-
inclusive, as well, in order to address persistent sex discrimination 
in the utilization of leave benefits and reduce the disparity between 
women and men regarding who takes time off from work to fulfill 
---------------------------------------------------------------------------
caregiving duties.

To prevent further entrenching gender, race, and income disparities, 
the program should also include job protections for workers who take 
leave. Finally, the program needs to include individuals with low wage 
jobs, self-employed individuals, and others who are currently 
systemically denied access to paid leave.

  III. Conclusion

All people deserve the freedom to nurture their children and care for 
themselves and their family members without the fear of financial 
instability. It is time to ensure that all working families have the 
freedom to care for their loved ones. NARAL strongly supports the 
creation of a national comprehensive paid family and medical leave 
program and urges lawmakers to pass such a bill.

                                 ______
                                 
                        Small Business Majority

                    1015 15th Street, NW, Suite 450

                          Washington, DC 20005

                             (202) 828-8357

                   https://smallbusinessmajority.org/

                            November 3, 2023

Thank you, Chairman Wyden, Ranking Member Crapo and members of the 
Senate Committee on Finance.

My name is John Arensmeyer and I'm the founder and CEO of Small 
Business Majority. As a leading representative of America's 33 million 
small businesses, Small Business Majority is pleased to provide written 
testimony to the U.S. Senate Committee on Finance regarding the hearing 
on Exploring Paid Leave: Policy, Practice and Impact on the Workforce.

Small Business Majority is a national small business organization that 
empowers America's diverse entrepreneurs to build a thriving and 
equitable economy. From our nine offices across the country, we engage 
our network of more than 85,000 small businesses and 1,500 business and 
community organizations to deliver resources to entrepreneurs and 
advocate for public policy solutions that promote inclusive small 
business growth. Our work is bolstered by extensive research and deep 
connections with the small business community that enables us to 
educate stakeholders about keys issues impacting America's 
entrepreneurs, with a special focus on the smallest businesses and 
those facing systemic inequities.

Simply put, access to paid family and medical leave programs is good 
for business. It allows small business owners and their employees to 
access and offer paid time off for individuals to care for their 
families and their well-being. This is an inevitable need that many 
come to experience at one point or another.

However, the majority of small businesses do not have the resources to 
offer robust benefits that larger companies can provide, like paid 
family and medical leave, which puts them at a disadvantage when it 
comes to attracting and retaining employees. Unfortunately, private 
insurers generally do not offer affordable, adequate paid leave \1\ 
policies to small businesses. As a result, as of 2019 only 14% of 
workers in firms with 99 or fewer employees had access to employer-
provided paid family leave, compared to 29% of workers in firms with 
500 or more employees. These numbers have no doubt become exacerbated 
by the pandemic and the Great Resignation, which both 
disproportionately affected our smallest businesses on Main Street. 
What's more, tight profit margins, lack of human resources staff, and 
limited resources are some of the top reasons why small businesses 
struggle to provide robust benefits on their own.
---------------------------------------------------------------------------
    \1\ https://www.bls.gov/ebs/home.htm.

This is why Small Business Majority has advocated on behalf of and with 
small business owners nationwide for paid family and medical leave 
policies at the federal and state levels. In the absence of a federal 
program, we have mobilized along with small business advocates and 
small business owners to support the enactment, rulemaking and 
expansion of such programs in a number of states \2\ including 
California, Colorado, Georgia, Maine, Minnesota, New Mexico and 
Virginia, among others. From our experience advocating for state plans, 
we firmly believe that policymakers must meet the moment by providing 
similar policies at the federal level so that small businesses can 
remain competitive in attracting top talent from today's modern 
workforce.
---------------------------------------------------------------------------
    \2\ https://smallbusinessmajority.org/our-policy-
statements?issue=18.

Small businesses know how important it is to access and offer benefits 
such as paid family and medical leave policies, and many have been 
supportive of passing a federal policy that has yet to materialize. In 
fact, a found that 70% of small business owners and operators support 
establishing a federal program to guarantee access to paid family and 
medical leave. When you consider that our small business communities 
nationwide account for the vast majority of businesses in the United 
States and employ nearly half of all U.S. employees, it's clear that 
---------------------------------------------------------------------------
there is a critical gap in access to this benefit.

What's more, most of the small businesses driving our economy--nearly 
82% of them--are solo entrepreneurs or self-employed individuals, 
according to the U.S. Small Business Administration.\3\ These are 
businesses that, with the proper support of the federal government, 
could eventually become employers and contribute even more to our 
economy. These, and small businesses in general, are businesses that 
are in need of a modernized and robust benefits infrastructure that can 
promote wealth creation, financial security and quality jobs. Creating 
a federal paid family and medical leave insurance pool can be the first 
step in providing this much-
needed infrastructure.
---------------------------------------------------------------------------
    \3\ https://advocacy.sba.gov/wp-content/uploads/2022/08/Small-
Business-Economic-Profile-US.pdf.

The pandemic left our small business community in dire need of 
resources and support structures, and it became extremely challenging 
for them to recruit and attract a qualified workforce. And while it's 
true that many small businesses increased employee wages and offered 
more flexibility \4\ to attract more candidates during this challenging 
time, doing so while they're struggling with inflation and market 
changes can be devastating to their bottom line. This is why 
entrepreneurs are looking to lawmakers to provide the necessary 
infrastructure to support the small business ecosystem.
---------------------------------------------------------------------------
    \4\ https://smallbusinessmajority.org/our-research/small-business-
owners-support-criminal-justice-reforms-address-persistent-workforce-
challenges.

We thank you for the opportunity to comment on this critical issue and 
welcome the Committee's efforts in ensuring that Main Street can remain 
competitive by providing access to benefit structures that underpin 
quality jobs. For these reasons, implementing a federal paid family and 
medical leave insurance program is an important step forward to 
leveling the playing field for not only small businesses but for our 
economy as a whole. We look forward to working closely with the U.S. 
Senate Committee on Finance to consider the benefits of creating a 
national paid family and medical leave program for our small business 
---------------------------------------------------------------------------
community.

Sincerely,

John Arensmeyer
Founder & CEO

                                 ______
                                 
                               Third Way

                  1025 Connecticut Ave., NW, Suite 400

                          Washington, DC 20036

Dear Chairman Wyden and Ranking Member Crapo,

Thirty years after the passage of the Family and Medical Leave Act, 
America is stuck. One in four new mothers return to work within two 
weeks of giving birth. Around 53 million Americans currently act as a 
caregiver for a family member. And yet, just a quarter of workers have 
a paid family leave benefit.

The pandemic reminded America what is obvious to many--people become 
ill and have to miss work, which can mean missing a paycheck and losing 
one's livelihood. But with our current patchwork of employer-based, 
state, and local leave policies, too many workers are left without the 
time or resources to care for themselves or their families. In this 
moment, making progress on paid leave is a must.

Thankfully, progress is also possible. As Third Way has written in the 
past, there are a number of policy levers available which can expand 
access to paid leave.\1\ Expanding this important benefit to more 
workers will bolster America's long-term economic growth, help 
businesses attract and retain productive workforces, and improve 
workers' capacity to balance work and family life. We encourage the 
Committee to carefully consider the urgent need for paid leave policy 
and the litany of legislative tools available to better protect 
workers. Our statement for the record walks through both why 
policymakers need to take federal action to expand paid leave and 
options to make progress.
---------------------------------------------------------------------------
    \1\ McSwigan, Curran and Anthony Colavito. ``10 Questions for a New 
Paid Leave Plan.'' Report, Economy, Third Way, 19 Jan. 2023, https://
www.thirdway.org/report/ten-questions-for-a-new-paid-leave-plan. 
Accessed 1 Nov. 2023.

Third Way applauds the Senate Finance Committee for continuing this 
important conversation and hopes action can be taken to get more 
families the paid leave they need today.

Why We Need Federal Action on Paid Leave

1. Paid Leave Fuels Economic Growth

Federal action on paid leave will boost our economy by helping workers 
and businesses thrive. Economists estimate that family-friendly 
policies, including paid leave, could boost US GDP by as much as $1 
trillion and help curb long-term inflation.\2\ Access to paid leave is 
also shown to bolster female labor force participation. If the number 
of women in the labor force was on par with peer nations, our GDP would 
be a staggering 5% larger.\3\
---------------------------------------------------------------------------
    \2\ Stiglitz, Joseph. ``Seventeen winners of the Novel Prize in 
economics sign letter in support of the President's Build Back Better 
package.'' Statement, Economic Policy Institute. 20 Sep. 2021, https://
www.epi.org/press/nobel-laureate-economist-joseph-stiglitz-issues-
statement-in-support-of-build-back-better-agenda/. Accessed 1 Nov. 
2023. And; Ceron, Ella. ``Paid Leave and Universal Child Care Could 
Boost U.S. GDP by $1 Trillion.'' Bloomberg, 8 Mar. 2022, https://
www.bloomberg.com/news/articles/2022-03-08/paid-leave-and-universal-
child-care-could-boost-u-s-gdp-by-1-trillion?sref=sLBNpTza. Accessed 1 
Nov. 2023.
    \3\ ``Factsheet: What does the research say about the economics of 
paid leave?'' Equitable Growth, 22 Apr. 2021, https://
equitablegrowth.org/factsheet-what-does-the-research-say-about-the-
economics-of-paid-leave/. Accessed 1 Nov. 2023.

Providing workers with the time to care for themselves and their 
families strengthens personal finances and builds stronger economic 
outcomes. Paid leave access is found to increase household economic 
security, reduce reliance on public assistance, and drive down spending 
from other federal programs.\4\ One study of California's paid leave 
program found the policy was associated with an 11% decline in nursing 
home usage among older adults, which in turn decreased Medicare and 
Medicaid spending.\5\ The same outcomes at the federal level would save 
$3.4 billion annually according to the National Partnership for Women 
and Families.\6\
---------------------------------------------------------------------------
    \4\ ``The Economic Benefits of Paid Leave: Fact Sheet.'' Ranking 
Democrat Carolyn B. Maloney, The Joint Economic Committee, https://
www.jec.senate.gov/public/_cache/files/646d2340-dcd4-4614-ada9-
be5b1c3f445c/jec-fact-sheet---economic-benefits-of-paid-leave.pdf. 
Accessed 1 Nov. 2023.
    \5\ Arora, Kanika and Douglas A. Wolf. ``Does Paid Family Leave 
Reduce Nursing Home Use? The California Experience.'' Journal of Policy 
Analysis and Management, 3 Nov. 2017, https://onlinelibrary.wiley.com/
doi/abs/10.1002/pam.22038. Accessed 1 Nov. 2023.
    \6\ Mason, Jessica. ``Paid Leave Would Cut Healthcare Costs.'' 
Issue Brief, National Partnership for Women & Families. Oct. 2021, 
https://nationalpartnership.org/wp-content/uploads/2023/02/paid-leave-
would-cut-health-care-costs.pdf. Accessed 1 November, 2023.
---------------------------------------------------------------------------

2. Paid Leave Helps Businesses--Both Big and Small

Federal action on paid leave will help businesses flourish--whether 
they have two employees or 2,000. Workplaces with paid leave are more 
productive, see lower worker attrition, and are more likely to attract 
talent than businesses without.\7\
---------------------------------------------------------------------------
    \7\ ``The Business Impacts of Paid Leave.'' Panorama and the 
American Sustainable Business Council. Sep. 2019, https://
www.asbcouncil.org/sites/main/files/file-attachments/panorama_
report_-_business_impacts_of_paid_leave.pdf. Accessed 1 Nov. 2023. And; 
Stroman, Trish et al. ``Why Paid Family Leave is Good Business.'' 
Boston Consulting Group, Feb. 2017, https://www.bcg.com/publications/
2017/human-resources-people-organization-why-paid-family-leave-is-good-
business. Accessed 1 Nov. 2023.

While some argue that federal paid leave policies will burden small 
businesses, these programs actually help level the playing field. 
Smaller employers often lack the capital and ability to provide 
benefits like paid leave to their workers; this is especially true for 
service sector industries where offering these benefits can mean 
raising prices for consumers.\8\ Federal efforts can help ensure 
workers at small businesses are able to care for themselves and their 
families and that paid leave is not just a benefit accruing to college-
educated workers in office jobs.
---------------------------------------------------------------------------
    \8\ ``Paid Family and Medical Leave is Good for Business.'' Fact 
Sheet, National Partnership for Women & Families. Oct. 2023, https://
nationalpartnership.org/wp-content/uploads/2023/02/paid-leave-good-for-
business.pdf. Accessed 1 Nov. 2023.

Paid leave is good for big businesses as well. One study of large 
employers found that introducing a paid leave policy on average 
increased revenue by almost 5% and profits by 7%.\9\ From New York to 
Rhode Island to California, businesses continue to view states' 
policies positively, including smaller establishments.\10\
---------------------------------------------------------------------------
    \9\ ``Hill Fact Sheet.'' Small Business for Paid Family & Medical 
Leave, 2020, https://static1.squarespace.com/static/
5cf16d6c89b0940001feec8f/t/5e2b7eae7ef3a12a55b1acfb/1579908783140/
SB4PL+Hill+Fact+Sheet_1_24_2020_updated.pdf. Accessed 1 Nov. 2023.
    \10\ ``Paid Family and Medical Leave is Good for Business.'' Fact 
Sheet, National Partnership for Women & Families. Oct. 2023, https://
nationalpartnership.org/wp-content/uploads/2023/02/paid-leave-good-for-
business.pdf. Accessed 1 Nov. 2023. And; Bartel, Ann P. et al. 
``Support for Paid Family Leave Among Small Employers Increases During 
COVID-19 Pandemic.'' Working Paper 29436, National Bureau of Economic 
Research, Dec. 2021, https://www.nber.org/system/files/working_papers/
w29486/w29486.pdf. Accessed 1 Nov. 2023. And; Corley, Danielle. ``Paid 
Leave is Good for Small Business.'' Center for American Progress, 19 
Oct. 2016, https://www.americanprogress.org/article/paid-leave-is-good-
for-small-business/. Accessed 1 Nov. 2023.
---------------------------------------------------------------------------

3. Paid Leave Helps Workers

By giving workers the capacity to manage their personal affairs, paid 
leave makes it easier for workers to hold their jobs and remain 
productive members of the labor force. Paid leave gives working parents 
and caregivers the time and money needed to recover from childbirth, to 
bond with a newborn, or to handle family matters in a way that best 
positions them to return to work. Few are as exposed to these 
crosscurrents as women, who provide a disproportionate share of 
childcare, and make up over 60% of adult caregivers.\11\
---------------------------------------------------------------------------
    \11\ Zamarro, Gema and Maria J Prados. ``Gender differences in 
couples' division of childcare, work and mental health during COVID-
19.'' Review of Economics of the Household, Vol. 19, Mar. 2021, https:/
/doi.org/10.1007/s11150-020-09534-7. Accessed 1 Nov. 2023. And; 
``Caregiving in the U.S.'' Research Report, AARP, May 2020, https://
www.aarp.org/content/dam/aarp/ppi/2020/05/full-report-caregiving-in-
the-united-states.doi.10.26419-2Fppi.00103.001.pdf. Accessed 1 Nov. 
2023.

Research confirms that paid leave bolsters labor force participation 
and improves workers' capacity to support themselves. State paid leave 
laws increase work among leave takers, especially among low-income 
women.\12\ Paid leave also reduces reliance on public aid programs. One 
study found that women who took paid leave following the birth of a 
child were 39% less likely to receive public assistance and 40% less 
likely to receive food stamps compared to women who did not.\13\ And 
when caregiving reduces a mother's lifetime earnings by 15%, paid leave 
can reduce inequalities in a manner that is consistent with the value 
Americans place in work.\14\
---------------------------------------------------------------------------
    \12\ Rossin-Slater, Maya, Christopher Ruhm, and Jane Waldfogel. 
``The Effects of California's Paid Family Leave Program on Mothers' 
Leave-Taking and Subsequent Labor Market Outcomes.'' Journal of Policy 
Analysis and Management, Vol. 32, 17 Dec. 2012, https://doi.org/
10.1002/pam.21676/. Accessed 1 Nov. 2023. And; Byker, Tanya S. ``Paid 
Parental Leave Laws in the United States: Does Short-Duration Leave 
Affect Women's Labor-Force Attachment?'' American Economic Review, Vol. 
106, No. 5, May 2016, https://www.aeaweb.org/articles?id=10.1257/
aer.p20161118. Accessed 1 Nov. 2023.
    \13\ Houser, Linda and Thomas P. Vartanian. ``Pay Matters: The 
Positive Economic Impacts of Paid Family Leave for Families, 
Businesses, and the Public.'' Center for Women and Work, School of 
Management and Labor Relations, The State University of New Jerseys--
Rutgers, Jan. 2012, https://smlr.rutgers.edu/sites/smlr/files/
Documents/Centers/CWW/Publications/
CWW%20Paid%20Leave%20Brief%20Jan%202012.pdf. Accessed 1 Nov. 2023.
    \14\ Johson, Richard W., Karen E. Smith, and Barbara A. Butrica. 
``Lifetime Employment-
Related Costs to Women of Providing Family Care.'' Research Report, 
Program on Retirement Policy, Urban Institute, Feb. 2023, https://
www.dol.gov/sites/dolgov/files/WB/Mothers-Families-Work/Lifetime-
caregiving-costs_508.pdf. Accessed 1 Nov. 2023.
---------------------------------------------------------------------------

How We Can Make Progress

We believe there are paths to making much-needed progress on paid leave 
in our divided government. Below, we have outlined a menu of federal 
policy options to make progress today, while laying building blocks for 
a more comprehensive program in the future.\15\ Ideas include:
---------------------------------------------------------------------------
    \15\ McSwigan, Curran and Anthony Colavito. ``12 Ideas to Jumpstart 
Progress on Paid Leave.'' Third Way, 11 Apr. 2023, https://
www.thirdway.org/report/12-ideas-to-jumpstart-progress-on-paid-leave. 
Accessed 1 Nov. 2023.
---------------------------------------------------------------------------

Parental Leave Progress

      Expand unpaid parental leave to cover all workers.
      Create a national parental-only paid leave program.
      Build in more short-term and long-term flexibility to help 
parents return and stay in the workforce.

Medical Leave Progress

      Invest in better medical leave data.
      Ensure more workers have basic unpaid medical leave protections 
and businesses can better accommodate leave.
      Make sure all workers have at least 7 days of paid sick leave.
      Expand existing short-term disability insurance to cover more 
workers.

Caregiving Leave Progress

      Invest in better caregiving data.
      Ensure more workers have basic unpaid caregiving leave 
protections and broaden the definition of caregiving.
      Make a refundable tax credit for lost wages from caregiving.
      Enact a flexible caregiving leave benefit.
      Create a standardized form for employees to request flexible 
work arrangements.

                                 ______
                                 
                                UnidosUS

                        Raul Yzaguirre Building

                    1126 16th Street, NW, Suite 600

                       Washington, DC 20036-4845

         Supporting Latino Workers and Fueling Economic Growth
                           Through Paid Leave

Statement of Susana Barragan, Policy Analyst, Economic Policy Project, 
                          Policy and Advocacy

On behalf of UnidosUS, we respectfully submit this statement for the 
record to elevate the urgent need for a national paid family and 
medical leave program for Latinos--a critical and growing workforce in 
the United States.

UnidosUS, previously known as NCLR (National Council of La Raza), is 
the nation's largest Hispanic \1\ civil rights and advocacy 
organization. Since 1968, we have challenged the social, economic, and 
political barriers that affect Latinos through our unique combination 
of expert research, advocacy, programs, and an Affiliate network of 
nearly 300 community-based organizations across the United States, 
including Puerto Rico.
---------------------------------------------------------------------------
    \1\ The terms ``Hispanic'' and ``Latino'' are used interchangeably 
by the U.S. Census Bureau and throughout this document to refer to 
persons of Mexican, Puerto Rican, Cuban, Central and South American, 
Dominican, Spanish, and other Hispanic descent; they may be of any 
race. This document may also refer to this population as ``Latinx'' to 
represent the diversity of gender identities and expressions that are 
present in the community.

As we have previously shared,\2\ the creation of a national paid family 
and medical leave program will not only fill in gaps left by current 
family leave policies in place but can serve as a bridge to economic 
security and prosperity. Federal law under the Family Medical Leave Act 
of 1933 (FMLA)\3\ requires employers to provide up to 12 weeks of 
guaranteed unpaid, job-protected leave for eligible workers who need 
time off from work to care for their own illness, care for a new child, 
or to care for a seriously ill family member. But only 30.1% of Latino 
workers with low wages are eligible for FMLA,\4\ compared to 56% of all 
U.S. employees.
---------------------------------------------------------------------------
    \2\ https://unidosus.org/wp-content/uploads/2021/07/
unidosus_statementfortherecord_paid
familymedicalleave.pdf.
    \3\ https://www.dol.gov/agencies/whd/fmla.
    \4\ https://www.dol.gov/sites/dolgov/files/OASP/evaluation/pdf/
American%20University_
Final_20220105_508.pdf.

This gap is exemplary of how the current structure of the labor system 
is unable to meet the immense value provided by U.S. Latino workers, 
who have the country's highest labor force participation rate \5\ and 
are overrepresented in sectors considered essential to keep our economy 
functioning.\6\ So, when the only federal leave policy in the country 
fails to reach more than two-thirds of Latino families and one of the 
country's strongest economic assets, it is past time for change.
---------------------------------------------------------------------------
    \5\ https://fred.stlouisfed.org/series/LNS11300009.
    \6\ https://www.jec.senate.gov/public/_cache/files/71785c75-00f4-
4db8-9686-2960f0526b65/hispanic-workers-brief-.pdf.

Concerning family-friendly policies, the United States is woefully 
outgunned at the international level. The U.S. is one of six countries 
in the world \7\ that lacks any form of national paid leave. And it is 
the only wealthy country in the world without any guaranteed paid 
parental leave \8\ at the national level. This leaves millions of U.S. 
workers unable to take paid time off from work to address a serious 
health condition. If it remains without a national paid leave program, 
the United States will compete with one hand tied behind on a global 
stage alongside countries with more family-friendly policies.\9\
---------------------------------------------------------------------------
    \7\ https://www.nytimes.com/2021/10/25/upshot/paid-leave-
democrats.html.
    \8\ https://www.washingtonpost.com/world/2021/11/11/global-paid-
parental-leave-us/.
    \9\ https://athens.indymedia.org/media/old/
raising_the_global_floor_dismantling_the_myth_
that_we_can_t_afford_good_working_conditions_for_everyone__stanford_poli
tics_and_policy_.
pdf.

As we noted in our recent report, Making Jobs Work for Latinas,\10\ 
Latinas are primed to drive U.S. economic growth in the coming years. 
They are entering the workforce in record numbers and by 2031, the 
number of Latinas in the workforce is expected to grow by approximately 
26%. Notably, no other demographic is projected to grow by as much.
---------------------------------------------------------------------------
    \10\ https://unidosus.org/wp-content/uploads/2023/08/
unidosus_makingjobsworkforlatinas.
pdf.

But existing headwinds in the labor market threaten Latinas' potential 
labor performance and economic growth. For example, Latinas experience 
one of the largest wage gaps in the marketplace.\11\ Given existing 
wage floors, this pay gap increases as a Latina's education and income 
increase. Still, many Latinas contend with low wages that lag the 
rising cost of living and are unable to build a nest egg to use towards 
emergencies, homeownership, and other paths to build wealth. Latina 
women also experience one of the largest unequal distributions of work 
with their male counterparts. This includes hours spent in household 
activities, like caring for other family members. As one of the fastest 
growing groups in the U.S. workforce, family-friendly policies that 
reflect the reality of its workforce is imperative to the strength and 
future of the labor market.
---------------------------------------------------------------------------
    \11\ https://nationalpartnership.org/wp-content/uploads/2023/02/
latinas-wage-gap.pdf.

There are few supports in place to ensure Latinas remain in the 
workforce or have a path back if they must exit temporarily. The COVID-
19 pandemic showed that Latinas were among the first workers to lose 
jobs at the start of the economic crisis. Latinas also dropped out of 
the workforce at higher rates than Latino men, primarily due to 
increased childcare needs. As schools closed, the primary 
responsibility for providing childcare in Latino households fell on 
women. A 2021 UnidosUS report \12\ found that almost half of Latinas 
quit their jobs or reduced their hours during the pandemic.
---------------------------------------------------------------------------
    \12\ https://unidosus.org/publications/2150-closing-the-latina-
wealth-gap-building-an-inclusive-economic-recovery-after-covid/.

In emergencies, the burden for keeping their household afloat 
disproportionately lies on the shoulders of Latina women. In fact, 
Latinas are three times more likely to be single heads of households 
than white women. Despite the few resources and support available to 
Latinas, Latinas have marshaled an exceptional recovery in the face of 
a disastrous economic situation. Only three years after the pandemic, 
Latinas reached full employment levels in 2022.\13\ In other words, all 
Latina women who were able and willing to work were virtually all 
employed. A combination of increased worker organizing,\14\ increases 
in real wages,\15\ and recovery in sectors \16\ in which Latinas are 
overrepresented in, such as hospitality and leisure, have ushered the 
Latina workforce into comparable (and at times, improved) pre-pandemic 
levels of employment.
---------------------------------------------------------------------------
    \13\ https://unidosus.org/wp-content/uploads/2023/08/
unidosus_makingjobsworkforlatinas.
pdf.
    \14\ https://www.latimes.com/business/story/2023-08-30/downtown-l-
a-hotel-workers-strike-as-political-science-conference-kicks-off-union-
vows-dirty-rooms-and-non-stop-noise.
    \15\ https://www.epi.org/publication/swa-wages-2022/.
    \16\ https://fred.stlouisfed.org/series/USEHS.

But, we need to ensure this recovery can be sustained in the long term. 
For most U.S. workers, traditional employment is the nexus to critical 
benefits needed to live and build wealth in the U.S., like health 
insurance and retirement accounts. While a 2022 Bureau of Labor 
Statistics analysis \17\ of employer costs related to employee 
compensation found that benefits make up one-third of employee 
compensation packets, nearly two-thirds of Latinos work in low-wage 
jobs that offer few or no benefits.\18\ This includes paid family and 
medical leave.
---------------------------------------------------------------------------
    \17\ https://fred.stlouisfed.org/series/USEHS.
    \18\ http://www.appam.org/assets/1/7/
occupational_segregation_report_40219.pdf.

Latinos are the least likely of any racial or ethnic group to have 
access to paid family leave \19\ through their employer, with only 
25.1% of Latinos reporting access to paid parental leave, compared to 
49.7% of whites.
---------------------------------------------------------------------------
    \19\ https://www.americanprogress.org/article/latinos-least-likely-
to-have-paid-leave-or-workplace-flexibility/.

The lower wages typically earned by Latinas complicate Latinas' take-up 
of Family Medical Leave Act (FMLA) even when they are eligible. The 
Heller School for Social Policy and Management at Brandeis University 
\20\ estimates that of 54% of working parents eligible for FMLA leave, 
only 34% of parents can afford to take unpaid leave. For Latinos, the 
percentage of those who can afford to take leave dwindles to 26%. Yet 
Latino children represent approximately 25% of the U.S. population of 
children, and Latinos are the only group in which a majority of 
households have children. When these children are born, their families 
are likely to have access to supports, like paid leave, that are 
essential to caring for a new infant. And if these children become 
seriously ill, their parents may struggle to provide care if it means 
an absence from work.
---------------------------------------------------------------------------
    \20\ https://www.brandeis.edu/now/2015/november/fmla-qa.html.

It is unsurprising that almost 40% of Latinas \21\ are very worried 
about having access to paid family and medical leave. More than 20% of 
Latinos serve as caregivers to an adult family member or someone close 
to them, and on average, Latino caregivers spend about 40% more time 
providing care than do white caregivers.\22\
---------------------------------------------------------------------------
    \21\ https://unidosus.org/wp-content/uploads/2023/08/
unidosus_makingjobsworkforlatinas.
pdf.
    \22\ https://www.aarp.org/content/dam/aarp/ppi/2015/caregiving-in-
the-united-states-2015-report-revised.pdf.

Congress has an obligation to support policies that reflect the needs 
of America's diverse workforce. A national paid family and medical 
leave policy would help address the most formidable barriers that keep 
Latinas out of the labor market and lay a strong foundation for a 
growing U.S. workforce.
                      U.S. Breastfeeding Committee

                      1629 K Street, NW, Suite 300

                          Washington, DC 20006

October 25, 2023

Dear Chair Wyden and Ranking Member Crapo:

The U.S. Breastfeeding Committee (USBC) submits this letter to the 
Senate Committee on Finance for the record of the full committee 
hearing, ``Exploring Paid Leave: Policy, Practice, and Impact on the 
Workforce'' in full support of establishing a paid family and medical 
leave insurance program.

The USBC is a coalition bringing together 139 organizations--including 
federal agencies, national, state, tribal, and territorial 
organizations, as well as for-profit businesses--that support the USBC 
mission to create a landscape of breastfeeding support across the 
United States. We are committed to ensuring that all families in the 
U.S. have the support, resources, and accommodations to achieve their 
breastfeeding goals in the communities where they live, learn, work, 
and play.

We know that the vast majority of people become parents during their 
lifetime.\1\ Their needs and the needs of their infants are neither 
surprising nor difficult to meet when anticipated and planned for. Paid 
family and medical leave is a basic necessity, and this committee has a 
critical opportunity to support the establishment of a federal program 
for job-protected, paid family and medical leave for our nation's 
workers.
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    \1\ Martinez, G.M., & Daniels, K. (2023). (rep.). Fertility of Men 
and Women Aged 15-49 in the United States: National Survey of Family 
Growth, 2015-2019. National Health Statistics Reports.

Breastfeeding has a profound impact on population health outcomes. The 
evidence for the value of human milk on overall health for infants, 
children, and mothers is scientific, robust, and continually reaffirmed 
by new research. The American Academy of Pediatrics recommends infants 
be exclusively breastfed for six months with continued breastfeeding 
while introducing complementary foods for two years or as long as 
mutually desired by the mother and child.\2\ Breastfed infants are at 
lower risk of certain infections and sudden unexplained infant death. A 
recent CDC study of over 3 million U.S. births found that ever 
breastfeeding is associated with a 26% reduction in the odds of post-
perinatal (between 7-364 days) infant death.\3\ Breastfed children have 
a decreased risk of obesity, type 1 and 2 diabetes, asthma, and 
childhood leukemia. Women who breastfeed their babies reduce their risk 
of specific chronic diseases, including type 2 diabetes, cardiovascular 
disease, and breast and ovarian cancers.\4\
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    \2\ Meek, J.Y., & Noble, L. (2022). Policy statement: Breastfeeding 
and the use of human milk. Pediatrics, 150(1). doi:10.1542/peds.2022-
057988.
    \3\ Li, R., Ware, J., Chen, A., Nelson, J.M., Kmet, J.M., Parks, 
S.E., . . . Perrine, C.G. (2022). Breastfeeding and post-perinatal 
infant deaths in the United States, a national prospective cohort 
analysis. The Lancet Regional Health--Americas, 5, 100094. doi:10.1016/
j.lana.2021.100094.
    \4\ Making the decision to breastfeed, https://
www.womenshealth.gov/breastfeeding/making-decision-breastfeed/#1. 
Published 2020. Accessed December 20, 2022.

The majority of pregnant women and new parents want to feed their baby 
breast milk, but significant barriers in the community, health care, 
and employment settings can impede breastfeeding success.\5\ The 
national breastfeeding initiation rate among children born in 2020 was 
83.1%. However, by six months of age, only 25.4% of infants are 
exclusively breastfed in the U.S.\6\ Despite overall increases in 
breastfeeding initiation and duration, deep racial, geographic, and 
socioeconomic disparities in breastfeeding rates persist. Fewer non-
Hispanic Black infants (77.3%) are ever breastfed compared with Asian 
infants (87.1%), non-Hispanic White infants (85.3%) and Hispanic 
infants (81.9%).\7\ Furthermore, a distressing 60 percent of mothers 
report that they did not breastfeed for as long as they intended.\8\
---------------------------------------------------------------------------
    \5\ The Surgeon General's Call to Action to Support Breastfeeding. 
Clinical Lactation. 2011;2(1):33-34. doi:10.1891/215805311807011746.
    \6\ Centers for Disease Control and Prevention (CDC). (2022). 
Breastfeeding report card, United States, 2022. https://www.cdc.gov/
breastfeeding/data/reportcard.htm.
    \7\ Centers for Disease Control and Prevention (CDC) (2023). Facts. 
https://www.cdc.gov/breastfeeding/data/facts.html.
    \8\ Odom E.C., Li R., Scanlon K.S., Perrine C.G., Grummer-Strawn L. 
Reasons for Earlier than Desired Cessation of Breastfeeding. 
Pediatrics. 2013;131(3):e726-732. Accessed January 22, 2020, https://
www.ncbi.nlm.nih.gov/pubmed/23420922.

Structural and environmental barriers can make it difficult or 
impossible for families to establish an adequate milk supply to sustain 
human milk feeding at medically recommended levels.\9\ For many 
families, rather than being a matter of personal choice, infant feeding 
practice is informed by circumstance.
---------------------------------------------------------------------------
    \9\ Reis-Reilly H., Fuller-Sankofa N., Tibbs C. Breastfeeding in 
the Community: Addressing Disparities Through Policy, Systems, and 
Environmental Changes Interventions. Journal of Human Lactation. 
2018;34(2):262-271. doi:10.1177/0890334418759055.

The U.S. is one of only three countries that does not guarantee paid 
leave for new mothers.\10\ Only 19 percent of the workforce has any 
paid family leave through an employer.\11\ The Family and Medical Leave 
Act provides for unpaid leave, but about 40 percent of the workforce is 
not eligible.\12\ Many parents return to work quickly after birth, 
before a strong breastfeeding relationship is established because they 
cannot afford to take unpaid leave or because they do not qualify for 
federal legal protections.
---------------------------------------------------------------------------
    \10\ Data--OECD. Oecd.org. https://www.oecd.org/gender/data/length-
of-maternity-leave-parental-leave-and-paid-father-specific-leave.htm. 
Accessed January 22, 2020.
    \11\ Bls.gov. https://www.bls.gov/ncs/ebs/benefits/2019/employee-
benefits-in-the-united-states-march-2019.pdf. Published 2019. Accessed 
January 22, 2020.
    \12\ FMLA is Working. Dol.gov. https://www.dol.gov/whd/fmla/survey/
FMLA_Survey_fact
sheet.pdf. Accessed January 22, 2020.

        ``Paid family leave is a huge public health need. While my 
        daughter was able to take 3 months off, she had to save up all 
        her PTO for 2 years to do so, meaning no vacations or extra 
        days off. If we want to increase breastfeeding rates and reduce 
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              -- Becky, Oklahoma

A significant barrier to human milk feeding in the United States is the 
social and economic pressure to return to paid employment soon after 
birth. But, as recognized in The Surgeon General's Call to Action to 
Support Breastfeeding, access to paid family leave programs can lay the 
groundwork for breastfeeding success.\13\ Paid family leave programs 
make it possible for employees to take time for childbirth recovery, 
bonding with their baby, establishing feeding routines, and adjusting 
to life with a new child without threatening their family's economic 
well-being. This precious time provides the foundation for success, 
contributing to improved rates of breastfeeding initiation and 
duration.\14\
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    \13\ Office of the Surgeon General (US); Centers for Disease 
Control and Prevention (US); Office on Women's Health (US). The Surgeon 
General's Call to Action to Support Breastfeeding. Rockville (MD): 
Office of the Surgeon General (US); 2011.
    \14\ Hamad R., Modrek S., White J. Paid Family Leave Effects on 
Breastfeeding: A Quasi-
Experimental Study of US Policies. Am J Public Health. 2019;109(1):164-
166. doi:10.2105/ajph.2018.304693?

State paid family and medical leave programs are making a difference 
for families throughout the country. Thanks to recent legislative 
successes, thirteen states and the District of Columbia have paid 
medical leave laws.\15\ In addition, more than 106 cities and counties 
across 32 states enacted paid leave policies.\16\ In California, access 
to paid family leave doubled the median duration of breastfeeding for 
all new mothers who used it during the first six years after the 
state's law went into effect in 2004.\17\
---------------------------------------------------------------------------
    \15\ Comparative Chart of Paid Family and Medical Leave Laws in the 
United States. A Better Balance. https://www.abetterbalance.org/
resources/paid-family-leave-laws-chart/. Published 2023. Accessed 
October 31, 2023.
    \16\ Paid Family/Parental Leave Policies for Municipal Employees 
(Not Exhaustive). https://nationalpartnership.org/wp-content/uploads/
2023/02/paid-family-leave-policies-for-municipal-employees.pdf. 
Published 2020. Accessed October 31, 2023.
    \17\ Huang R., Yang M. Paid maternity leave and breastfeeding 
practice before and after California's implementation of the nation's 
first paid family leave program. Economics & Human Biology. 2015;16:45-
59. doi:10.1016/j.ehb.2013.12.009.

However, these state-financed family leave programs are not enough. 
Breastfeeding can benefit every family, and paid family and medical 
leave must be accessible to all workers. There are significant 
disparities in access to paid leave among some racial and ethnic 
groups, with Black and Hispanic employees less likely than their white 
non-Hispanic counterparts to have access to paid parental leave.\18\ 
There are similar disparities in breastfeeding outcomes among racial 
groups.
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    \18\ Bartel A., Kim S., Nam J., Rossin-Slater M., Ruhm C., 
Waldfogel J. Racial and ethnic disparities in access to and use of paid 
family and medical leave: evidence from four nationally representative 
datasets. Mon Labor Rev. 2019:142. doi:10.21916/mlr.2019.2

Guaranteed paid family and medical leave is a vital component of 
maternal and child health and should be available for all workers 
through a national paid family leave program, like the Family and 
Medical Insurance Leave (FAMILY) Act. The USBC, our member 
organizations, and our partners continue to stand ready to work with 
policymakers and federal, state, and local agencies to establish at 
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least 12 weeks of job-protected, paid family and medical leave.

At the national level, improving breastfeeding practices through 
programs and policies has been shown to be one of the best investments 
a country can make, as every dollar invested is estimated to result in 
a US $35 economic return.\19\ For the employer, paid leave policies 
have been shown to benefit businesses' bottom lines by lowering 
turnover costs through greater retention and increasing productivity 
and morale.\20\ It's time to bring these benefits to the entire nation.
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    \19\ Walters, D., Dayton Eberwein, J., Sullivan, L., D'Alimonte, 
M., & Shekara, M. (2017). An Investment Framework for Meeting the 
Global Nutrition Target for Breastfeeding (Rep.). World Bank Group.
    \20\ Paid Family and Medical Leave Is Good for Business. (2023). 
National Partnership for Women and Families. Retrieved October 31, 
2023, from https://nationalpartnership.org/wp-content/uploads/2023/02/
paid-leave-good-for-business.pdf.

        ``I had no access to paid parental leave and was forced, 
        financially, to return to work just three days after my son's 
        birth. When my wife needed me the most, I could not be there 
        because someone had to work. It was my job to care for them in 
        those first weeks, but because I had to return to work so soon, 
        I failed at that job. As a nation, we need to pull together and 
        make it possible for everyday families to stay home with their 
        brand-new babies while not worrying about the bills. It is time 
        for America to join the rest of the world and offer paid family 
        leave to its citizens. Dads: please join me in raising our 
        voices and our votes in support of this issue. It is long 
        overdue.''
              -- Jarred, Massachusetts

We appreciate the opportunity to submit this comment. Thank you for 
considering the positive impact of paid family leave programs on 
breastfeeding families in the United States.Sincerely,

Cheryl Lebedevitch
National Policy Director
U.S. Breastfeeding Committee

                                 ______
                                 
              United States Conference of Catholic Bishops

                         3211 Fourth Street, NE

                       Washington, DC 20017-1194

           Statement of Archbishop Borys Gudziak, Chairman, 
          Committee on Domestic Justice and Human Development

    The U.S. Conference of Catholic Bishops has long supported family 
leave.\1\ It is pro-life to support families as they welcome new life 
and care for one another in their most vulnerable periods. National 
support of paid family leave is an important step towards building an 
authentically life-affirming society that prioritizes the well-being of 
families.
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    \1\ See United States Catholic Bishops, Economic Justice for All, 
1986, https://www.usccb.org/upload/economic_justice_for_all.pdf; United 
States Catholic Conference, Putting Children and Families First, 1991, 
https://www.usccb.org/putting-children-and-families-first-challenge-
our-church-nation-and-world.

    Catholic tradition teaches that the purpose of the economy is to 
enable families to thrive. ``[I]t is necessary that businesses, 
professional organizations, labor unions and the State promote policies 
that, from an employment point of view, do not penalize but rather 
support the family nucleus.''\2\ Our tradition also holds that the 
State must help attain the common good and that government action is 
necessary to address problems that are beyond the reach of individual 
and community efforts alone.\3\
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    \2\ Pontifical Council of Justice and Peace, Compendium of the 
Social Doctrine of the Church, no. 294, 2004, https://www.vatican.va/
roman_curia/pontifical_councils/justpeace/documents/
rc_pc_justpeace_doc_20060526_compendio-dott-soc_en.html.
    \3\ See Pontifical Council for Justice and Peace, Compendium of the 
Social Doctrine of the Church, no. 168, 2004, https://www.vatican.va/
roman_curia/pontifical_councils/justpeace/documents/
rc_pc_justpeace_doc_20060526_compendio-dott-soc_en.html; United States 
Conference of Catholic Bishops, A Place at the Table, 2002, https://
www.usccb.org/resources/place-table; USCCB, Forming Consciences for 
Faithful Citizenship, no. 48, 2020, https://www.usccb.org/resources/
forming-consciences-faithful-citizenship-pdf.

    The research is clear: paid leave supports families. Parental leave 
is beneficial for child development and infant health;\4\ it 
strengthens the parent-child bond;\5\ it increases family stability;\6\ 
and at a time when maternal health is worsening in the United States, 
it aids new mothers' mental and physical health.\7\ Medical leave 
allows workers to pursue medical treatment earlier in their illness and 
to better manage their care throughout their illness.\8\ Caregiving 
leave allows family members to better respond to the needs of their 
loved ones, which is especially important as our nation's population 
ages and the number of people involved in informal caregiving of older 
adults is expected to grow.\9\ Workers with access to paid leave are 
less likely to experience material hardship and financial 
instability.\10\
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    \4\ Lindsey Uniat and Maya Rossin-Slater, ``Paid Family Leave 
Policies and Population Health,'' Health Affairs, March 28, 2019, 
https://www.healthaffairs.org/do/10.1377/hpb20190301.48
4936/.
    \5\ Raquel Plotka and Nancy A. Busch-Rossnagel, ``The Role of 
Length of Maternity Leave in Supporting Mother-Child Interactions and 
Attachment Security Among American Mothers and Their Infants,'' 
International Journal of Child Care and Education Policy 12, no. 2, 
January 16, 2018, https://doi.org/10.1186/s40723-018-0041-6.
    \6\ Richard J. Petts, Daniel L. Carlson, and Chris Knoester, ``If I 
[Take] Leave, Will You Stay? Paternity Leave and Relationship 
Stability,'' Journal of Social Policy 49, no. 4, November 14, 2019, 
https://doi.org/10.1017/s0047279419000928.
    \7\ Maureen Sayres Van Niel et al., ``The Impact of Paid Maternity 
Leave on the Mental and Physical Health of Mothers and Children: A 
Review of the Literature and Policy Implications,'' Harvard Review of 
Psychiatry 28, no. 2, 2020, https://doi.org/10.1097/
hrp.0000000000000246; Zoe Aitken et al., ``The Maternal Health Outcomes 
of Paid Maternity Leave: A Systematic Review,'' Social Science & 
Medicine 130 2015, https://doi.org/10.1016/j.socscimed.2015.02.001.
    \8\ Washington Center for Equitable Growth, ``Paid Medical Leave 
Research,'' April 30, 2020, https://equitablegrowth.org/research-paper/
paid-medical-leave-research/.
    \9\ Juliana M. Horowitz, ``Americans Widely Support Paid Family and 
Medical Leave, but Differ over Specific Policies,'' Pew Research 
Center, March 23, 2017, https://www.pewresearch.org/social-trends/2017/
03/23/americans-widely-support-paid-family-and-medical-leave-but-
differ-over-specific-policies/.
    \10\ Alexandra Boyle Stanczyk, ``Does Paid Family Leave Improve 
Household Economic Security Following a Birth? Evidence from 
California,'' Social Service Review 93, no. 2, 2019, https://doi.org/
10.1086/703138; Linda Houser and Thomas P Vartanian, ``Pay Matters: The 
Positive Economic Impacts of Paid Family Leave for Families, Businesses 
and the Public,'' Rutgers Center for Women and Work, January 2012, 
https://nationalpartnership.org/wp-content/uploads/2023/02/pay-
matters.pdf; Chantel Boyens, Michael Karpman, and Jack Smalligan, 
``Access to Paid Leave Is Lowest among Workers with the Greatest 
Needs,'' Urban Institute, July 14, 2022, https://www.urban.org/
research/publication/access-paid-leave-lowest-among-workers-greatest-
needs.

    The United States is one of only a handful of countries, and the 
only high-income country, that does not guarantee paid family 
leave.\11\ The current patchwork system of family leave programs leaves 
too many families behind. For example:
---------------------------------------------------------------------------
    \11\ WORLD Policy Analysis Center, ``Is Paid Leave Available to 
Mothers of Infants, Including Maternity and Parental?,'' January 2022, 
https://www.worldpolicycenter.org/policies/is-paid-leave-available-to-
mothers-of-infants-including-maternity-and-parental.

          Only one in four U.S. workers had access to paid family 
        leave last year.\12\
---------------------------------------------------------------------------
    \12\ Bureau of Labor Statistics, U.S. Department of Labor, 
``Employee Benefits--EBS Latest Numbers,'' 2023, https://www.bls.gov/
ebs/latest-numbers.htm; Bureau of Labor Statistics, ``Employee Benefits 
in the United States, March 2023,'' September 2023, https://
www.bls.gov/ebs/publications/employee-benefits-in-the-united-states-
march-2023.htm.
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          Only 56% of U.S. employees are eligible for unpaid leave 
        under the Family Medical Leave Act (FMLA), based on employer 
        and work history requirements.\13\
---------------------------------------------------------------------------
    \13\ Scott Brown et al., Abt Associates, ``Employee and Worksite 
Perspectives of the Family and Medical Leave Act: Executive Summary for 
Results from the 2018 Surveys,'' U.S. Department of Labor Chief 
Evaluation Office, July 2020, https://www.dol.gov/sites/dolgov/files/
OASP/evaluation/pdf/
WHD_FMLA2018SurveyResults_ExecutiveSummary_Aug2020.pdf.
---------------------------------------------------------------------------
          Only 43% of private employees and 27% of state and local 
        government employees have access to short-term disability 
        insurance.\14\
---------------------------------------------------------------------------
    \14\ Bureau of Labor Statistics, U.S. Department of Labor, 
``Employee Benefits in the United States--March 2023,'' September 21, 
2023, https://www.bls.gov/news.release/pdf/ebs2.pdf.
---------------------------------------------------------------------------
          Low-wage workers are less likely to have access to paid 
        family leave benefits than high-wage workers.\15\
---------------------------------------------------------------------------
    \15\ Bureau of Labor Statistics, U.S. Department of Labor, ``The 
Economics Daily: A look at paid family leave by wage category in 
2021,'' January 10, 2022, https://www.bls.gov/opub/ted/2022/a-look-at-
paid-family-leave-by-wage-category-in-2021.htm.
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          Black and especially Hispanic workers are less likely to 
        have access to these benefits than white workers.\16\
---------------------------------------------------------------------------
    \16\ Bureau of Labor Statistics, U.S. Department of Labor, ``Racial 
and ethnic disparities in access to and use of paid family and medical 
leave: evidence from four nationally representative datasets,'' January 
2019, https://www.bls.gov/opub/mlr/2019/article/racial-and-ethnic-
disparities-in-access-to-and-use-of-paid-family-and-medical-leave.htm.

    Given the gaps in the current paid family leave offerings, a 
national paid leave policy is needed to help ensure families, 
especially those who are most vulnerable, have access to paid family 
leave. Many employers would like to offer paid family leave but cannot 
do so financially without a national or state architecture in place to 
make it more feasible. As you work to advance paid family leave 
proposals, I urge you to ensure that such a proposal will not unduly 
burden lower-income organizations or individuals, will not penalize 
larger families, and will not destabilize existing social service 
programs. I encourage your continued efforts to help families and 
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welcome the opportunity to work with you to accomplish this goal.

                                 ______
                                 
          Statement Submitted by Laura Valle-Gutierrez, Fellow
                         the century foundation

                  Paid Leave is a Fundamental Worker 
                   Protection That Helps the Economy

The United States is long overdue in creating a permanent, 
comprehensive paid family and medical leave program in the United 
States (U.S.) to ensure that every worker has access to paid leave to 
care for themselves or a loved one with a serious health condition. In 
the U.S. it is still, on the whole, too hard to parent, to foster or 
adopt a child, or to have an aging parent who needs support as they 
face Alzheimer's, cancer, or other diseases of old age; and too hard to 
make ends meet while caring for a seriously ill loved one of any age, 
or to be ill yourself. All of those situations are hard enough on their 
own. Congress should be working to ease the challenges. But the present 
reality is this: just as you face the most emotionally and physically 
draining experiences of your life, you also must shoulder the stress of 
possibly losing your paycheck, multiplying the struggle to pay your 
bills, or derailing your career.

New research by the Women's Bureau at the Department of Labor shows 
that 35 percent of mothers \1\ lack access to paid leave.\2\ The United 
States is the only rich country that doesn't have paid family leave. 
This leads to parents not taking leave, even when they need it, 
including 13 percent of mothers who needed leave but did not take it  
in the past month. For just over one in six mothers who needed leave 
but didn't take it, the main reason was because they could not afford 
losing income.
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    \1\ https://www.dol.gov/agencies/wb/data/leave-job-flexibilities/
leave-access#Access-to-Leave.
    \2\ https://www.nytimes.com/2021/10/25/upshot/paid-leave-
democrats.html.

Paid leave is also essential for people taking care of their own or 
family member's serious health conditions. The Family and Medical Leave 
Act--the national unpaid family medical leave program that guarantees 
job protection for time away for caregiving--only covers 56 percent of 
workers.\3\ Moreover, for many workers, taking leave without pay is 
untenable. No one should have to choose between caring for a newborn or 
another loved one, their health and well-being and economic security.
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    \3\ https://public.tableau.com/app/profile/
women.s.bureau.department.of.labor/viz/shared/GS56TJD35.

At the height of the pandemic, care policy moved forward in important, 
but temporary ways. The Families First Response Act, signed into law on 
March 18, 2020, guaranteed two workweeks of emergency paid sick leave 
and ten workweeks of emergency paid family leave to people working in 
businesses with fewer than 500 employees for many pandemic-related 
purposes,\4\ such as quarantines and recovering from the virus. While 
more limited a policy than was truly needed, for those that were 
included and able to use it, the support was vital
---------------------------------------------------------------------------
    \4\ https://tcf.org/content/commentary/will-congresss-latest-covid-
19-relief-package-address-paid-sick-family-leave/.

The emergency paid leave program was discontinued before its impacts 
could be widely felt by workers, however, and the many gaps from 
political compromise weakened what it could have done. Still, the 
emergency program had several tenets that should be considered a model 
for good policy going forward. Notably, the program covered part-time 
workers,\5\ which is especially important for women who are more likely 
to work part-time due to care responsibilities. Unfortunately, Congress 
allowed these provisions to expire at the end of 2020 rather than 
extend them.
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    \5\ https://www.dol.gov/agencies/whd/pandemic/ffcra-employee-paid-
leave#::text=For%20
reasons%20(1)%2D(4,over%20a%20two%2Dweek%20period.

There is also a strong business case for paid family and medical 
leave--increased recruitment and retention, improved productivity, and 
loyalty, among other benefits. But at its core, this policy is about 
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valuing communities, people, and care.

A strong paid family and medical leave policy \6\ is one that includes 
everyone who works (including self-employed people, domestic workers, 
and people who work for multiple employers), ensures that workers can 
afford to take the time to care, provides a meaningful duration of 
leave, guarantees job protection, covers a wide variety of family 
members and close relationships, and offers user-friendly ways to find 
out about these benefits and protections and use them.
---------------------------------------------------------------------------
    \6\ https://tcf.org/content/commentary/10-ways-make-workplace-laws-
work-everyone/.

Given the clear benefits to both workers and employers, it is critical 
for Congress to act. The United States is long overdue for establishing 
a paid leave program that gives workers and their families the ability 
to take care of their babies, their seriously ill loved ones and their 
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own health without having to risk their economic security.

                                 ______
                                 
                             ZERO TO THREE

                      2445 M Street, NW, Suite 600

                          Washington, DC 20037

           Statement of Miriam Calderon, Chief Policy Officer

Chairman Wyden and Ranking Member Crapo:

Thank you for the opportunity to provide comments for the Committee's 
hearing on Exploring Paid Leave: Policy, Practice, and Impact on the 
Workforce. Shining a light on the need for paid leave policy is 
critically important for infants, toddlers, and families, and we 
greatly appreciate your leadership in holding this hearing. Paid leave 
is a pillar of the robust policies our nation's families need and want. 
While paid leave covers many types of family needs, including paid sick 
days, my statement today emphasizes Paid Family and Medical Leave 
(PFML) as precisely the right policy to facilitate one of the most 
profound periods of human development, the first weeks and months of a 
child's life with parents or close caregivers in which they begin to 
forge the bonds foundational to all later development, learning and 
relationships.

Attention to paid leave has diminished. But the challenges families 
face when they cannot take time off to care for themselves or their 
children continue to cause families distress. Family stories of their 
challenges and the benefits of paid leave punctuate the discussion 
below, illustrating the choices and dilemmas they face. Unmistakably, 
families, their children, their employers and the economy all pay a 
price for the lack of this most basic family policy. Polls consistently 
show support for paid family and medical leave across demographic 
groups.\1\
---------------------------------------------------------------------------
    \1\ Bennett, B. (September, 2022). Americans overwhelmingly support 
paid family and medical leave. (https://navigatorresearch.org/
americans-overwhelmingly-support-paid-family-and-medical-leave/).

At ZERO TO THREE, our mission is to ensure every infant and toddler has 
what they need to thrive. We translate the science of early childhood 
development into useful knowledge and strategies for parents, 
practitioners, and policymakers. We work to ensure that babies and 
toddlers benefit from the family and community connections critical to 
their well-being and healthy development. And the science of early 
development tells us that nothing is more important to who we become in 
life than the early close relationships we form from birth. The 
protections offered by Paid Family and Medical Leave are essential to 
parents and babies as well as to workers and our country's economy. 
Protections offered by Paid Family and Medical Leave are particularly 
important for families of color, who are more likely to work in jobs 
where such benefits are not offered, and who are less likely to have 
---------------------------------------------------------------------------
the financial reserves to take needed time off work.

As you consider the need for paid leave policies, I call your attention 
to four points.

      Paid Family and Medical Leave is a basic child development 
policy, especially for newborn or newly adopted children, responsive to 
the need for unhurried time for infants and toddlers with the 
caregivers who are important to them, to forge the human connections 
essential to healthy brain connections.

      Paid Family and Medical Leave is a major cross-cutting policy 
with benefits that span improved maternal and infant mortality rates, 
health, mental health, child care and economic stability.

      Paid leave policies can promote equitable access to these 
benefits, of great importance to infants and toddlers of color, who are 
more likely to live with poverty and low income and therefore more 
likely to miss out on responsive, unhurried time with parents.

      The amount and nature of paid leave policies is critical to full 
realization of these benefits, particularly the duration of leave, 
level of wage replacement, definition of family members covered, and 
job protection provided.

The bottom line: Although time for parents and close caregivers is an 
essential ingredient for young children's development and later 
success, our nation has turned its back on the commonsense policy that 
could supply this time, putting it out of reach for many families, 
often leaving it as the province of families with higher income. We all 
pay for this gap, children and families most of all. Poor health 
outcomes drain potential and increase costs. Economic strain can impact 
children's well-being. In fact, poverty is associated with undermining 
brain growth in areas affecting key areas of self-regulation, learning, 
memory, language and emotional control. The primary factor in buffering 
that harmful development? Strong parental support. As a nation, we 
should be doing everything we can to ensure parents and close 
caregivers can be present for their young children to give this 
responsive support. That begins with paid leave.

        ``When Grayson was born and needed open heart surgery, we were 
        stunned and terrified. Everything happened so quickly and I was 
        having a hard time processing it all--trying to stay strong, 
        trying to be there for both my new baby and toddler at home, 
        worried about how we would pay the medical bills, worried about 
        finding a new job, worried about how much time I would have to 
        stay home and take care of him, worried about keeping track of 
        his medicines and appointments, worried about how this would 
        impact his future and our lives. Paid family leave would have 
        made a tremendous difference during this traumatic time in our 
        lives. How? It would have helped us sleep at night. It would 
        have helped us get through the day. It would have allowed us to 
        not make decisions based on fear and finances. It would have 
        enabled us to be present and care for each other fully during 
        the most difficult time of our lives.'' Hannah S. (Farmington, 
        MN)

The Importance of Paid Leave to the Earliest Development

Learning happens from the moment a baby opens their eyes, as billions 
of neurons start forming connections--one million or more every second. 
A baby's earliest relationships are central to this burgeoning brain 
architecture, providing the environment in which experiences unfold. In 
short, healthy brain connections depend on healthy human connections. 
Science tells us that forming secure attachments to a few caring and 
responsive adults is a primary developmental milestone for babies in 
the first year of life. But from the baby's perspective, the way we are 
held, talked to and cared for teaches us about who we are and how we 
are valued, which profoundly shapes who we will become.

All infants need ample time with their parents at the very beginning of 
their lives to form these critical relationships that are the portal 
through which they first encounter the world. It takes several months 
of ``time off'' from the flow of daily life--not only to adjust to the 
new physical demands of breastfeeding and sleepless nights--but to 
decipher the nuanced patterns and communications of a newborn, 
choreographing the ``dance of development''\2\ that establishes a 
foundation that will influence the child's long-term cognitive, social, 
and emotional development.\3\ Through these positive, meaningful 
relationships and experiences that ideally they have the time to form 
from the beginning, children gain confidence in their ability to 
explore and learn from the world around them.
---------------------------------------------------------------------------
    \2\ Zigler, E., Muenchow, S., & Ruhm, C. (2012). Time off with 
baby: the case for paid care leave. ZERO TO THREE Press.
    \3\ Center on the Developing Child (2009). Five Numbers to Remember 
About Early Childhood Development (Brief). Retrieved from 
www.developingchild.harvard.edu.

        When Wendy and her husband adopted Bryce, they prioritized 
        having time to properly bond and attach with their new baby. 
        She was able to take 12 weeks off work due to a combination of 
        personal time off and FMLA, a large part unpaid. While she 
        doesn't regret the time she took off at all, having no income 
        for several weeks was a financial strain. Paid leave would have 
        allowed her to take that valuable bonding time without the 
        stress of not having her reliable income to help meet household 
---------------------------------------------------------------------------
        expenses. In her words:

        ``Bonding is the foundation of our relationship with Bryce. 
        From the time we met him in the hospital when he was a day old, 
        we immediately began skin to skin contact with him. We were 
        able to take time off from work to be with him for the first 
        three months of life, and that was extremely important to us. 
        Bonding as he is older means reading together, playing on the 
        floor with one another, and simply being together as a 
        family.'' Wendy D. (Ballwin, MO)

This dance, as complicated as it can be magical, is the foundation of a 
young child's learning. And yet, as a nation we make it difficult for 
parents to carry it out. Only a quarter of workers have access to paid 
family leave that would ensure they have this unhurried time. While 
current data are scarce, previous research has shown that a quarter of 
all birthing people return to work within 2 weeks of giving birth.\4\ 
This short duration of time off from work raises grave concerns for the 
birthing parent who has not had time to heal or cope with mental health 
issues and the role of parenting, and who may face a greater challenge 
in making child care arrangements. But again, thinking from a newborn's 
perspective, they are thrust into an unimaginably strange world at 
birth, striving to connect with the humans who care for them to secure 
he most basic needs in life--sustenance and warmth--beginning to learn 
to count on that special person, their guide to this unfamiliar 
territory. And then suddenly that special person disappears for hours 
at a time.
---------------------------------------------------------------------------
    \4\ Van Niel M.S., Bhatia R., Riano N.S., de Faria L., Catapano-
Friedman L., Ravven S., Weissman B., Nzodom C., Alexander A., Budde K., 
Mangurian C. The Impact of Paid Maternity Leave on the Mental and 
Physical Health of Mothers and Children: A Review of the Literature and 
Policy Implications. Harv Rev Psychiatry. 2020 Mar/Apr;28(2):113-126. 
doi: 10.1097/HRP.00000000
00000246. PMID: 32134836.

Moreover, just as babies thrive when their emotional needs are met and 
they feel secure, experiences in those early years that are harmful, 
stressful, or traumatic can undermine their development. When the dance 
goes wrong, disrupted by adverse experiences such as economic 
insecurity or parental depression, parents may lose the ability to 
provide responsive, stimulating caregiving.\5\
---------------------------------------------------------------------------
    \5\ Cole, P., Trexberg, K., & Schaffner, M. (2023). State of babies 
yearbook: 2023. Washington, DC: ZERO TO THREE. https://
stateofbabies.org/.

Paid family and medical leave makes it possible for parents or close 
caregivers with newborn or newly adopted children to form families, to 
have that quality time to forge connections and lay the groundwork for 
the secure attachments and social and emotional development that in 
turn will spark strong cognitive development. Research has found longer 
lengths of leave to be associated with more positive interactions 
between mothers and infants, greater sensitivity, and higher quality 
mother-infant relationships.\6\
---------------------------------------------------------------------------
    \6\ Van Niel, et al.

Fathers also benefit. Studies of two-parent, opposite-sex households 
show a number of positive outcomes when fathers take leave. Fathers who 
take two or more weeks off after the birth of a child are more involved 
in that child's direct care nine months after birth than fathers who 
take no leave.\7\ Involved fathers also promote children's educational 
attainment and emotional stability.\8\ And, a father's involvement in a 
newborn's care in the first six months can mean both mother and baby 
sleep better.\9\
---------------------------------------------------------------------------
    \7\ Nepomnyaschy, L., & Waldfogel, J. Paternity Leave and Fathers' 
Involvement with their Young Children: Evidence from the American Ecls-
B. Community, Work and Family, 10(4), 427-453. 2007.
    \8\ Michael Lamb, The role of the father in child development, 4th 
ed. (pp. 1-18, 309-313), 2004. Hoboken, N.J.: John Wiley & Sons, Inc.; 
Kristin Smith, After the Great Recession, More Married Fathers 
Providing Child Care. Carsey School of Public Policy, 2005. Retrieved 
from https://carsey.
    \9\ Liat Tikotzky, Avi Sadeh, Ella Volkovich, Rachel Manber, Gal 
Meiri, and Golan Shahar, Infant sleep development from 3 to 6 months 
postpartum: links with maternal sleep and paternal involvement. 
Monographs of the Society for Research in Child Development, 80(1), p. 
107-124, 2015.

        ``Neither of us get any type of paid maternity/paternity leave 
        but it was very important to me to take time off to bond 
        together as a family after Penelope's birth. I saved up my sick 
        time and was able to take three weeks off after her birth. It 
        isn't a ton of time, but I'm thankful that I was able to do it. 
        We already feel like a family and I believe that transition 
        from being the `three of us' to now being the `four of us' 
        really took place for me during those three weeks. I was also 
        able to support my wife during that time by letting her sleep 
        in, have one-on-one time with each child, spend time with 
        friends, etc. in a way that wouldn't have been possible if I 
        hadn't been able to take time off.'' Ryan C. (Bozeman, MT)

 Paid Family and Medical Leave Is a Major Cross-cutting Policy

ZERO TO THREE's recent State of Babies Yearbook: 2023 identified five 
urgent priorities for policymakers to address, along with a 
comprehensive set of policies to do so.\10\ Several foundational 
policies that could improve child and family well-being stood out 
across priority issues. Notably, paid leave played a role in addressing 
multiple needs: improving maternal and infant health, promoting strong 
infant and early childhood mental health and addressing mental health 
needs of women and birthing people, and providing economic security for 
families with young children. Cross-cutting policies such as PFML 
compound their benefits, making them very cost-effective and bolstering 
child and family well-being across multiple domains. While much of our 
focus is on paid leave for the birth or adoption of a child, other 
situations in the lives of babies and families, including serious 
childhood illness, also require time off for parents and close 
caregivers.
---------------------------------------------------------------------------
    \10\ Cole, P., et al.

Maternal and Infant Health: Yearbook data reveal the crisis in maternal 
and infant health, beginning with alarming and steadily increasing 
maternal mortality rates for Black women and birthing people. This same 
pattern of racial disparities also is apparent in access to early 
prenatal care as well as infant birth outcomes. The mortality rate for 
Black infants is twice the national average (10.6 deaths per 1,000 live 
births compared with 5.4 nationally), placing the United States 37th 
among Organization for Economic Co-operation and Development nations. 
Black infants also are the most likely to be born preterm and with low 
birthweight.\11\
---------------------------------------------------------------------------
    \11\ Ibid.

PFML has a strong association with reduced infant and post-neonatal 
mortality rates. It also yields higher rates and longer periods of 
breastfeeding, which reduce childhood infections, disease and obesity. 
Evidence from California's long-running PFML program shows health and 
developmental improvements continuing into elementary school. as well 
as long-term health benefits for the breastfeeding parent. Time at home 
with young children helps parents ensure their children can attend 
well-child visits and receive vaccinations. The Yearbook shows that 1 
in 10 infants and toddlers had not had a well-child visit in the 
previous year and more than a quarter were not up to date on 
recommended vaccines, with babies in families with low income lagging 
further behind. More time with babies can help parents and 
practitioners identify and intervene in a variety of developmental 
difficulties. This is especially important for caregivers of infants 
who are considered at high risk, such as babies born preterm or at low 
birth weights and those who have illnesses or birth defects.\12\
---------------------------------------------------------------------------
    \12\ Zigler, et al.

        ``Zoe is the first newborn that we have had significant time to 
        bond with out of the 3 children we have, mainly because I (mom) 
        am not working at all and dad was given paid family leave 
        through his job as health and physical education instructor at 
        a charter school. It has made a world of difference in her 
        happiness and overall well-being. I was not able to 
        successfully breastfeed for very long with my other children 
        due to the stress of returning to work just a few weeks 
        postpartum. I am elated that Zoe continues to breastfeed 
        strong! Each drop of milk I can provide her contributes to her 
---------------------------------------------------------------------------
        physical and emotional health.'' RaShona B. (Wilmington, DE)

Maternal Mental Health: More than one in ten (11.5 percent) of women 
and birthing people are estimated to experience postpartum depression, 
with higher rates for those in lower socioeconomic group.\13\ One fifth 
of maternal deaths in the postpartum period are related to mental 
health conditions.\14\ Moreover, babies' mental well-being is 
intertwined with that of their parents, so a parent's depression can 
affect the attachment process.
---------------------------------------------------------------------------
    \13\ Van Niel, et al.
    \14\ Trost, S., Beauregard, J., Chandra, G., Njie, F., Berry, J., 
Harvey, A., & Goodman, D.A. (2022). Pregnancy-related deaths: Data from 
Maternal Mortality Review Committees in 36 US states, 2017-2019. 
Centers for Disease Control and Prevention. https://www.cdc.gov/
reproductivehealth/maternal-mortality/erase-mm/datammrc.html.

Paid leave can have a significant impact on maternal mental health. 
Research shows that each week of paid leave up to 12 weeks reduces the 
odds of a new mother/birthing person experiencing symptoms of 
postpartum depression.\15\
---------------------------------------------------------------------------
    \15\ Kornfeind, K.R., & Sipsma, H.L. (2018). Exploring the link 
between maternity leave and postpartum depression. Women's Health 
Issues, 28(4), 321-326.

        ``[When Emmett was in the NICU], I would pump every three 
        hours, begin my work days before the sun came up. I would leave 
        work before lunch and spend time in the NICU in the afternoon. 
        I would come home and finish my work day and after dinner, I 
        would go to the NICU for the last feeding. I was trying my best 
        to be in two places at once but because there are no resources 
        for moms in situations like mine, I was forced to sacrifice my 
        mental/physical health and healing to `get it all done.' I 
        suffered extreme postpartum depression and anxiety from the 
        overwhelm that was on my plate and the fact that I was watching 
        a tiny premature baby fight for his life in the NICU. When I 
        was postpartum, I still had health complications and I never 
        had a chance to take care of myself. My husband and I planned 
        for a baby and we tried our best to prepare for the financial 
        aspect of unpaid leave. However, as much as we feel like our 
        world is in a stand still, the bills do not stop. My husband 
        took intermittent parental leave to make sure that we did not 
        have a gap in health insurance. Without him doing that, our 
        NICU bills would have been astronomical.'' Jessica D. 
---------------------------------------------------------------------------
        (Florence, MA)

Child Care: PFML is part of a continuum of policies needed to ensure 
families can balance work and family needs. Child care is the next 
step. The majority of families with a newborn or newly adopted child 
very quickly are thrown into a search for child care in a system that 
is not ready for them. Infant care is the most expensive care and 
hardest to find with wait lists exceeding months in many parts of the 
country. The challenges associated with finding high-quality, 
affordable child care add to the strain on a family adjusting to a new 
addition and increased anxiety for the well-being of their child and 
the economic necessity of returning to work.

Strong PFML policies can help both family transitions back to work as 
well as ease a key strain on the child care system. Families in states 
such as California and Rhode Island report positive effects on their 
ability to arrange child care.\16\ Longer periods of paid leave relieve 
pressure on the child care system.
---------------------------------------------------------------------------
    \16\ Appelbaum, E., & Milkman, R. (2013). Unfinished Business: Paid 
Family Leave in California and the Future of U.S. Work-Family Policy 
(p. 49). Ithaca, NY: Cornell University Press.

Economic Security: The birth of a child can be an unsettling event 
economically. Recent data show one in four mothers experience poverty 
around the time of their child's birth.\17\ A lack of leave may cause 
pregnant people to leave their jobs entirely, especially since fewer 
than 60 percent of workers are covered by Family and Medical Leave Act 
job protection.\18\ Lack of access to paid leave almost certainly 
propels the high rates of return to work within a few weeks of giving 
birth.
---------------------------------------------------------------------------
    \17\ Hamilton, C., Sariscany, L., Waldfogel, J. & Wimer, C. (2023). 
Experiences of poverty around the time of a birth: A research note. 
Demography, 60(4), 965-976. https://doi.org/10.1215/00703370-10837403.
    \18\ National Partnership for Women and Families (2023). Paid 
leave. Paid Leave--National Partnership for Women & Families.

The economic benefits to families of having paid leave are clear, but 
many of these benefits also accrue to their employers and to society as 
a whole. Paid leave provides wage stability and increases attachment to 
the labor force. It can help the birthing parent remain in line for 
wage increases. Employers avoid recruiting and retraining costs. 
Families are less likely to use public assistance, resulting in reduced 
costs for state and federal governments.\19\ Moreover, the vast 
majority of small business owners, many of which could not afford to 
pay for paid leave on their own, report either positive effects or no 
effect on their profitability and in fact have experienced positive 
effects on turnover and competitiveness with larger businesses.\20\
---------------------------------------------------------------------------
    \19\ Van Niel, et al.
    \20\ National Partnership for Women and Families (2023). Paid 
family and medical leave is good for business. paid-leave-good-for-
business.pdf (nationalpartnership.org).

        Due to severe health issues, Shawnnita's son, Kaden, was rushed 
        to the emergency room countless times in his early years, where 
        he was frequently admitted for care. Shawnnita and her husband 
        spent many days and nights with Kaden in the hospital. Even as 
        their child was receiving emergency care, Shawnnita and her 
        husband were compelled to work. Kaden's younger brother, Kairo, 
        is now 6 months old and struggling with similar health issues. 
---------------------------------------------------------------------------
        In her words:

        ``This was a challenging time for our family. We spent many 
        days and nights in the hospital. Not having adequate time or 
        paid leave to take off of work made the challenge even greater. 
        Many nights as our son slept in the hospital bed next to us, a 
        time we also should have been sleeping, we pulled out our 
        laptops to work. We were living on a fixed income, we struggled 
        with the expense of the special formula Kaden needed for his 
        health issues, and we could not afford to miss work. Ultimately 
        we had no choice. It was through this experience that we 
        realized how important it was for parents to have access to 
        adequate paid time off to take care of their children who has a 
        serious health need.'' Shawnnita B. (Bedford, TX)

Early Childhood Illnesses: Birth or adoption often is not the only time 
an infant or toddler needs their parents' constant presence. For 
example, the rates of childhood cancer have been increasing over the 
past 20 years. Almost half of all pediatric cancer occurs during early 
childhood, with the peak incidence of invasive childhood cancer 
occurring during infancy. Unquestionably, all children and particularly 
very young ones need the reassuring presence of their parents at such 
times. Families who care for a child with cancer incur considerable 
costs during the diagnostic, treatment, and follow-up care phases of 
the disease. Four major factors contribute to these expenses: necessary 
travel; loss of income because of a reduction or termination of 
parental employment; out-of-pocket treatment expenses; and inability to 
draw on assistance programs to supplement or replace lost income.\21\ 
As with most caregiving duties, the majority falls on the mother and 
therefore her career and financial stability is most at risk. 
Typically, the mother is the one who terminated or reduced work hours, 
which affects the entire family's financial well-being. This economic 
burden can have long-term effects on the financial security, quality of 
life, and future well-being of the entire family, including the 
siblings of the affected child. Paid family and medical leave would 
help to alleviate the financial burden and eliminate the fear of 
retaliation when returning to work after caring for a chronically ill 
child.
---------------------------------------------------------------------------
    \21\ Miedema, B., Easley, J., Fortin, P., Hamilton, R., & Mathews, 
M. (2008). The economic impact on families when a child is diagnosed 
with cancer. Current Oncology, 15(4), 173-178. Retrieved from https://
www.ncbi.nlm.nih.gov/pmc/articles/PMC2528308/.

        Anna's son, Gareth, had severe allergies and asthma that led to 
        multiple hospitalizations in his first year of life. Had Anna 
        had access to comprehensive paid family and medical leave, she 
        would have been able to spend more time bonding with Gareth and 
        understanding what was causing his illness. Instead she had to 
        walk away from a job she loved to care for her sick child. In 
---------------------------------------------------------------------------
        her words:

        ``Having to return to work when your baby is six weeks is no 
        mother's dream. I had to return to work due to the exhausting 
        my entire leave. None of the leave was paid, but my job was on 
        the line if I didn't return to work. If there were more time 
        for me to bond with my baby, I would have had more knowledge of 
        what was going on with him. I would not have had to resign from 
        my job if there was more time allowed to be home with him.'' 
        Anna A. (Bastrop, LA)

Paid Leave Policies Promote Equity from the Start

The ability to take time off at the birth or adoption of a child or 
during a prolonged health need of the worker or family members is 
inextricably bound to a worker's economic situation. One of the most 
important findings in the Yearbook is that ``poverty and low income 
remain the most striking demographic factor of babies in the United 
States, illustrating the intersectionality of income with race and 
ethnicity. In 2021, nearly two in five (38.9 percent) of the nation's 
infants and toddlers lived in families earning less than 200 percent of 
the federal poverty level ($55,000 a year for a family of four). Racial 
and ethnic disparities are clear: 62.3 percent of Black infants and 
toddlers lived in families with low income, as did 61.4 percent of 
Native American and 50.8 percent of Hispanic infants and toddlers.\22\
---------------------------------------------------------------------------
    \22\ Cole, P., et al.

Because families of color are overrepresented in the population with 
low income, not surprisingly they are less likely to be in jobs that 
provide paid leave and have less ability to use unpaid leave because 
they cannot afford to lose income. The Yearbook describes the racial 
wealth gap for Black and Latine families in particular, noting that 
their overall disparities in having financial assets to fall back on is 
a barrier to taking advantage of unpaid leave,\23\ and saving for time 
off is challenging for families living paycheck to paycheck. An 
additional barrier is wage discrimination where Black, Latine and 
Native workers earn less on average that white men and women 
workers.\24\
---------------------------------------------------------------------------
    \23\ Ibid.
    \24\ National Partnership for Women & Families. (2018). Paid family 
and medical leave: A racial justice issue--and opportunity. https://
nationalpartnership.org/resource/paid-family-and-medical-leave-a-
racial-justice-issue-and-opportunity/.

The ramifications of this inequity go far beyond economics. Families 
with young children who cannot take time off from work are impeded in 
giving their babies the unhurried time for the responsive care that 
promotes positive development. Disparities in health access and 
outcomes are magnified, so that the health and mental health of 
birthing parents and babies alike are placed at risk. Family life could 
be more chaotic simply because parents cannot catch their breath or be 
fully present for their babies. Financial instability, which the 
Yearbook shows is a reality for many babies and especially babies of 
color, could be even more precarious. Parents who return to work must 
continue the family scramble of looking for infant child care, with 
minimal support in that area as well, and less access to quality 
---------------------------------------------------------------------------
programs for families of color or with low income.

One of paid leave's most important impacts thus would be promoting 
equity for families and babies even before birth. Research on 
California's paid family leave program found that the program has not 
only increased the amount of time off taken by all women, but also has 
resulted in parity in the number of weeks taken by Black and white 
mothers/birthing parents.\25\ By promoting job retention, paid leave 
can help promote financial stability not only during the leave period, 
but afterwards as well, especially as women who take paid family leave 
are more likely to have wage increases in the following year.\26\ 
Finally, the ability to care for oneself, attend to mental health and 
health needs and potentially reduce maternal and infant mortality would 
be a huge gain in health equity--and should be a fundamental guarantee 
to people in the United States, as it is to residents of other 
industrialized nations.
---------------------------------------------------------------------------
    \25\ Ibid.
    \26\ Van Niel, et al.
---------------------------------------------------------------------------

The Parameters of a Robust Paid Leave Program

A national paid family and medical leave policy must be broad and 
robust to comprehensively address families' needs for providing care. 
ZERO TO THREE has endorsed the Family and Medical Insurance Leave 
(FAMILY) Act, which meets this goal. It would

      Provide workers a meaningful duration of leave, not less than 12 
weeks, for caring for their own serious health condition, the birth or 
adoption of a child, addressing the effects of domestic violence or 
sexual assault, or to make arrangements for military deployment.

      Provide wage replacement rates to make taking leave financially 
possible for all working people--ensuring the lowest paid workers 
receive 85 percent of their normal wage, with typical workers earning 
around two-thirds of their wages.

      Be inclusive of all working people across the United States, 
covering workers in all companies, no matter their size. Younger, part-
time, lower-wage, contingent, and self-employed workers would all be 
eligible for benefits.

      Ensure workers on the job for more than 90 days have the right 
to be reinstated following their leave, and all workers are protected 
from retaliation.

      Be affordable, cost-effective, and sustainably funded by small 
employee and employer payroll contributions.

Conclusion

Care is a fundamental factor in human life. We all have needed care as 
babies and will almost certainly need care again at some point. Most of 
us also will be called on to be caregivers. And, except in a handful, 
but growing, number of states and the military, families shoulder this 
responsibility with little support from policies that ensure financial 
security and peace of mind. Congress can and should change this with 
policies like paid leave.

Many potential parents are giving up on our nation, faced with the 
daunting prospect of having a baby during increasingly complex times, 
residing in what amounts to a family policy desert among industrialized 
nations. From the first State of Babies Yearbook five years ago to the 
one just released, the cohort of infants and toddlers in the United 
States dropped by 900,000 babies, from 11.9 million to 11 million. The 
reasons behind the decline in births are complex. Yet, family-friendly 
policies could be an important key to turning the birthrate around and 
ensuring the future generation needed to sustain our economy.

                                 [all]