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SB 193

AN ACT REQUIRING THAT LEAVE PURSUANT TO THE CONNECTICUT PAID LEAVE AUTHORITY IS SECONDARY TO SHORT-TERM DISABILITY INSURANCE COVERAGE.

2025 Regular Session Introduced by Anne Dauphinais and 1 co-sponsor

SB 193 makes Connecticut paid leave secondary to private disability insurance, requiring workers to exhaust insurance benefits before accessing state paid leave protection.

REF. TO JOINT COMM. ON Insurance and Real Estate
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Bill Summary · SB 193

Legislative bill overview

SB 193 would establish that Connecticut's paid leave benefits operate as secondary coverage to any short-term disability insurance an employee already has through their employer or individual policy. This means workers would exhaust their disability insurance benefits first before accessing the state's paid leave program, rather than having both benefits available simultaneously.

Why is this important

This bill directly affects how workers receive income protection during temporary disabilities. The change could reduce the financial safety net for employees by limiting access to paid leave benefits, while potentially reducing costs to employers and the state by making insurance the primary payer. It represents a significant structural change to Connecticut's paid leave program that took effect in 2024.

Potential points of contention

  • Reduced worker protections: Employees with high deductibles or limited disability insurance may face gaps in coverage, particularly if insurance denies claims or has restrictive definitions of disability
  • Disparity in benefits: Workers without private disability insurance would have fuller access to state paid leave, while insured workers effectively lose that benefit, creating unequal protection based on employment circumstances
  • Insurance industry favoritism: The bill prioritizes private insurance payouts over state benefits, which some argue subsidizes insurers while shifting risk back to workers and the state for uncovered situations

Compiled from official sources — confirm details with the bill’s official record.

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