Paycheck stubs in Maryland will carry a new line in January 2027: a deduction of 0.45% of wages for the state’s Family and Medical Leave Insurance program. In New York, the most a worker can pay toward Paid Family Leave in a year rises to $451.81 in 2027 from $411.91. The two programs are at different stages, but both put paid leave on the employee side of the payroll ledger.
Maryland’s 0.45% starts with January pay
The Maryland Department of Labor’s FAMLI contributions page sets the total rate at 0.9% of wages up to the Social Security wage cap, “split equally between employers and employees (0.45% each).” The page says that starting January 2027, employers collect the employee share through payroll deductions. It calls 0.9% the initial rate, applying through Dec. 31, 2027.
The first payment to the state is due April 30, 2027. Employers with fewer than 15 employees are responsible for remitting only 50% of the contribution rate. The page’s wording covers the employer’s obligation; the pages read for this article do not spell out how the smaller-employer discount interacts with the 0.45% deducted from a worker’s pay.
What 0.45% takes out of a Maryland paycheck
The arithmetic is simple. On $50,000 of annual wages, 0.45% is $225 a year, about $8.65 per biweekly paycheck. On $80,000 it is $360 a year, or about $13.85 per biweekly check. Those are illustrations of the percentage, not amounts from the state, and wages above the Social Security cap are not subject to the contribution.
The deduction begins about a year before the benefit does. According to a law-firm summary of HB0102, Chapter 363, contributions begin Jan. 1, 2027, and benefits are to be payable no later than Jan. 3, 2028. Workers will pay for roughly twelve months before the first claim can be filed.
Has Maryland moved the date again?
The state has pushed the program’s timeline back before, and the January start reported here rests on the current law and on the Department of Labor’s page. A search for further postponement of the January 2027 contributions turned up coverage of the earlier delay and of the January 2027 start, and no newer law or notice moving the deduction date. The department’s page still tells employers to begin collecting in January 2027. Any later legislative change would postdate this article.
New York’s cap: a 0.452% rate and a $451.81 ceiling
New York’s Department of Financial Services set the 2027 Paid Family Leave premium in a rate decision dated Aug. 31, 2026. Employees contribute 0.452% of wages each pay period, capped at $451.81 for the calendar year. The 2026 cap was $411.91.
The increase is $39.90 (451.81 minus 411.91), or about 9.7%. Because the cap is a percentage of wages, dividing $451.81 by 0.00452 shows the ceiling is reached at roughly $99,958 in annual wages. A worker earning $60,000 would pay about $271 (0.452% of $60,000), well under the cap. Employees earning below the state average weekly wage contribute proportionally less, according to New York’s 2027 program page, which describes the program as fully funded by employees through payroll deductions.
What the New York deduction is tied to
New York’s page describes the benefit the deduction supports as up to 12 weeks of job-protected, paid time off for qualifying family situations. That side of the program, including the 2027 weekly maximum, is a separate matter from the payroll deduction. According to the program page, the 2027 contribution rate and benefit amounts both take effect Jan. 1, 2027, and apply to leave beginning on or after that date, so the higher deduction and the higher weekly maximum arrive together.
Employers carry a role in both states, since payroll departments do the withholding. Workers who see a new or larger line on a January stub can compare it against the percentages above, and a difference from the arithmetic is a question for the employer’s payroll office or the state agency that runs the program.
Two programs, one direction on the pay stub
The systems differ. New York’s insurance has existed for years and is adjusting its rate, while Maryland’s is just starting to collect. Maryland splits its cost with employers; New York’s program page says employees fund it through payroll deductions. In both, a worker whose taxable pay is unchanged will see a slightly smaller take-home figure, and in both the deduction buys a right to a benefit rather than a tax with no return.
For budgeting, the sums are modest relative to the leave they support, but they land on households already tracking every line of a paycheck. A Maryland worker earning $50,000 gives up $225 a year; the New York maximum is about $451.81 a year, or roughly $8.69 a week (451.81 divided by 52).
The source figures are the ones the agencies publish: Maryland’s Department of Labor lists 0.45% for employees starting January 2027, and New York’s Department of Financial Services lists $451.81 as the 2027 employee maximum.
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This piece was produced with AI assistance and checked against the cited state agency pages.
