Paid family and medical leave is expanding fast, and the hardest part for employers isn't learning one state's rule. It's realizing how quickly the planning window closes once a workforce crosses state lines.

Kaleb Bledsoe, CRC Benefits' National Ancillary Practice Leader, joins us to unpack where PFML stands today and why it now belongs at the center of benefits planning, not the edges.

We cover how to map exposure by where employees live and work, not where a company is headquartered, why remote teams raise the stakes, and what Maryland's early Declaration of Intent window means for prefunding decisions well before 2028.

We also break down the benefits stack brokers get wrong most often: PFML pays first, not instead of short-term disability, and state caps can leave real income gaps for higher earners.

Check out more info from CRC Benefits Tools + Intel here!