Leave-related payments are some of the most complex challenges employers face today. In this episode of Insurtech Unplugged, Sarah Holdaway, VP Product Management is joined by Christy Traupe, SVP Claims and Absence and Lori Welty, SVP Product Compliance, to unpack why coordinating payments across state PFML programs, private short-term disability benefits, and employer-sponsored plans can feel like a constantly shifting jigsaw puzzle. Together, they explore how multi-source payments create real risk for both employers and employees, from delayed benefits to overpayments and underpayments, especially when critical information must be exchanged across several entities.
The conversation dives into the rapidly expanding PFML landscape, highlighting how each state introduces its own unique rules for benefit calculations, waiting periods, proration, and annual wage thresholds. Christy and Lori share real-world examples of how these nuances multiply operational burden, while also outlining best practices like consolidating leave and payment administration into a unified life-event view and strengthening integrations across carriers, employers, and (eventually) states. The result is a clear look at how modern platforms like FINEOS are helping the industry keep pace with regulatory change while delivering simpler, more reliable payment experiences for everyone involved.