- Providing world class service and value for employee benefit group plans since 1987
Maryland’s employee benefits landscape is one of the most complex and progressive in the Mid-Atlantic region. Employers here must navigate a layered framework of federal, state, and county-level mandates—from the Affordable Care Act (ACA) to Maryland’s own Paid Family and Medical Leave (FAMLI) and the Healthy Working Families Act. Adding to that, local jurisdictions such as Montgomery County and Prince George’s County often enforce their own labor and leave ordinances, making compliance a moving target for HR teams and business owners alike.
That’s where Taylor Benefits Insurance comes in. With over 30 years of brokerage expertise, our team helps Maryland employers design compliant, cost-efficient, and competitive benefits packages that meet both regulatory standards and workforce expectations. We collaborate with companies of all sizes—from small startups to large multistate corporations—to create plans that balance affordability with comprehensive coverage. Whether you’re reviewing your existing benefits, preparing for the rollout of Maryland’s new FAMLI Program, or seeking a better alternative to MarylandSaves, Taylor Benefits provides the guidance and flexibility you need to stay ahead. Call 800-903-6066 today or request your free Maryland employee benefits review to start building a smarter, compliance-ready benefits strategy for your organization.
Maryland maintains one of the nation’s most progressive approaches to employee benefits, combining strong wage, leave, and retirement laws that require employers to stay proactive. Building a compliant benefits program goes beyond avoiding penalties — it supports workforce stability and strengthens long-term retention. By aligning with both state and federal standards, businesses can unlock significant advantages including tax savings, reduced turnover, and an improved employer brand. Taylor Benefits helps Maryland employers meet all ACA and state-specific mandates efficiently, ensuring every benefits package supports compliance while enhancing employee engagement and satisfaction across diverse industries.
Employers in Maryland are required to provide several key benefits under state and federal law. These include paid sick leave, workers’ compensation, unemployment insurance, and the upcoming Paid Family and Medical Leave program. Brokers like Taylor Benefits simplify compliance by aligning policies, payroll contributions, and reporting requirements to meet state regulations while optimizing plan costs.
Maryland mandates specific employee protections such as the Healthy Working Families Act, MarylandSaves retirement program, and forthcoming FAMLI insurance. Employers must also comply with state wage and hour rules. Taylor Benefits helps ensure every policy and contribution meets these evolving mandates while maintaining flexibility and cost efficiency.
Maryland’s Healthy Working Families Act requires employers with 15 or more employees to provide paid sick leave, while smaller businesses must offer unpaid leave. Eligible workers earn one hour of leave for every 30 hours worked, capped at 40 hours annually. Employers may front-load the full 40 hours each year to simplify tracking. Partnering with a broker helps integrate sick leave policies into existing PTO or wellness programs, ensuring full compliance and smooth administration across the workforce.
Maryland’s Paid Family and Medical Leave (FAMLI) program takes effect with payroll contributions starting January 1, 2027, and benefits available January 1, 2028. The program provides up to 12 weeks of paid, job-protected leave for personal health, family care, or military-related needs. Funded by shared employer and employee contributions, FAMLI aims to strengthen financial security during life events. Taylor Benefits guides employers in preparing for payroll adjustments and developing supplemental coverage like maternity or short-term disability plans.
The MarylandSaves program requires employers without retirement plans to automatically enroll employees into a state-managed IRA. While employers are not required to contribute, they must facilitate payroll deductions and enrollment. This initiative ensures more Maryland workers can save for retirement. Brokers like Taylor Benefits assist employers in exploring enhanced private options such as 401(k), SEP, or SIMPLE IRA plans, offering greater flexibility, tax advantages, and stronger retention benefits for long-term workforce satisfaction and stability.
Maryland mandates workers’ compensation coverage for nearly all employers to protect employees injured on the job. This insurance covers medical expenses, lost wages, and rehabilitation costs. Compliance ensures both employee security and employer protection from liability. Taylor Benefits works with top-rated carriers to secure affordable, compliant coverage that meets state requirements while minimizing premium costs. Brokers also assist in claims management and policy reviews to keep your business compliant and employees protected year-round.
Unemployment insurance in Maryland provides financial assistance to eligible workers who lose their jobs through no fault of their own. Employers fund the program through SUTA payroll taxes, which are adjusted annually based on experience ratings. Staying compliant with reporting and tax requirements is essential to avoid penalties. Taylor Benefits helps employers align payroll systems, manage contribution rates, and coordinate with the Maryland Department of Labor to ensure smooth operations and accurate unemployment insurance administration.
As of 2025, Maryland’s statewide minimum wage is set at $15 per hour, with counties such as Montgomery and Howard enforcing higher local rates—up to $17.65 for large employers. Overtime pay applies at 1.5 times the regular rate for hours exceeding 40 per week. Employers must ensure accurate tracking and classification to comply with state and local wage laws. Brokers help businesses implement HR systems and compliance strategies to prevent wage errors and maintain fair labor practices.
Employers in Maryland must comply with federal FICA requirements by contributing 6.2% toward Social Security and 1.45% toward Medicare, matched by employee payroll deductions. These programs fund essential retirement, disability, and healthcare benefits for workers nationwide. Ensuring accurate payroll processing and timely remittance is crucial for compliance. Taylor Benefits supports employers in aligning payroll systems and benefit plans, helping avoid administrative errors while maintaining efficient, compliant employee insurance and contribution management across all workforce tiers.
The Family and Medical Leave Act requires covered employers with 50 or more employees to provide up to 12 weeks of unpaid, job-protected leave for qualifying life events such as serious health conditions, caregiving, or childbirth. Maryland’s upcoming FAMLI program enhances this by adding paid benefits to eligible workers. Together, these laws safeguard job continuity during personal or family health challenges. Taylor Benefits helps businesses integrate both FMLA and FAMLI compliance seamlessly into their overall employee benefits strategy.
COBRA mandates that large employers allow continued health coverage for employees and dependents after job loss or qualifying events. In Maryland, Mini-COBRA extends similar protection to smaller employers with 2–19 employees, typically offering up to 18 months of continuation coverage. These laws ensure uninterrupted healthcare access during transitions. Taylor Benefits assists employers with COBRA notifications, enrollment, and compliance systems, helping maintain legal adherence while simplifying benefits administration for businesses of all sizes across the state.
Comprehensive, employer-sponsored benefits are vital for attracting and retaining today’s workforce. From health and retirement plans to paid leave and wellness programs, these offerings help businesses stay competitive while enhancing employee satisfaction, loyalty, and long-term organizational growth.
Group health insurance remains the foundation of a strong employee benefits package and is essential for compliance with the ACA employer mandate for organizations with 50 or more full-time employees. Employers can choose from plan types such as HMO, PPO, POS, and HDHP with HSA or FSA integration. HSAs allow employees to save pre-tax funds for medical expenses, while FSAs add flexibility for out-of-pocket costs. Taylor Benefits works with major carriers to design cost-efficient, ACA-compliant health plans tailored to large and small business needs.
Dental and vision benefits enhance preventive care and overall employee wellness. Dental coverage typically includes exams, cleanings, and major procedures, while vision plans cover eye exams, lenses, and frames. These benefits not only boost morale but also improve productivity by promoting early detection of health issues. Taylor Benefits helps employers bundle dental and vision coverage for greater cost efficiency, simplified administration, and enhanced employee satisfaction within comprehensive benefit programs.
While MarylandSaves provides a basic state-managed savings option, many employers choose to offer private retirement plans for greater flexibility and competitiveness. Options such as 401(k), Roth IRA, SEP IRA, SIMPLE IRA, and traditional pension plans deliver tax advantages and long-term retention value. Taylor Benefits tailors retirement strategies to align with workforce demographics, contribution preferences, and budget goals, helping employers strengthen loyalty and ensure their teams are financially secure for the future.
Beyond core health and retirement plans, many employers strengthen their benefits packages with additional offerings that support financial security, work-life balance, and personal growth. These benefits enhance recruitment and retention by showing employees they’re valued beyond their paycheck.
Taylor Benefits helps employers structure these programs to balance cost control with maximum value for employees.
Voluntary benefits allow employees to customize their coverage based on personal needs, enhancing satisfaction and loyalty. These optional perks often improve workplace morale while providing meaningful financial and lifestyle support.
Through strategic plan design, brokers align voluntary benefits with company culture, employee preferences, and budget goals.
As workplaces evolve, new priorities are reshaping employee benefits. Businesses that adapt to these shifts can strengthen engagement and retention while appealing to a multigenerational workforce.
Taylor Benefits helps employers identify and implement these forward-thinking solutions to remain competitive in today’s talent-driven market.
Taylor Benefits delivers customized, compliant, and cost-efficient benefit solutions built around each client’s goals and workforce needs.
Through proactive planning and ongoing support, Taylor Benefits simplifies employee benefits management while helping employers achieve measurable, long-term results.
Taylor Benefits proudly serves employers throughout Maryland, offering expert guidance and customized solutions across every major business region. Our brokerage supports organizations in diverse sectors — from local small businesses to large, multi-location enterprises — helping each design compliant, cost-effective employee benefits programs tailored to their workforce needs. With deep knowledge of state and county-level regulations, we ensure consistent coverage and compliance across all jurisdictions. Wherever your company operates, our team is equipped to deliver responsive support and strategic benefits planning statewide.
Waldorf, Bethesda, Germantown, Rockville, Gaithersburg, Silver Spring, Frederick, Wheaton, Aspen Hill, Bowie, Columbia, Severn, Ellicott City, Glen Burnie, Baltimore, Dundalk, Towson, Bel Air South
Partnering with Taylor Benefits gives employers a strategic advantage in building sustainable and compliant benefit programs. Our brokerage blends coverage depth with effective cost control, ensuring every plan meets your budget while exceeding employee expectations. We help businesses maintain full compliance with ACA regulations, FAMLI requirements, and state labor mandates, reducing administrative burden and risk. With streamlined HR tools and expert plan management, employers experience easier administration, improved workforce satisfaction, and stronger recruitment and retention results across every industry sector.
Designing a compliant and competitive benefits package doesn’t have to be complex. Taylor Benefits simplifies the process from start to finish — from initial plan design and setup to ongoing administration and annual renewals. Our consultants bring over 30 years of industry expertise and maintain trusted partnerships with top insurance carriers to deliver cost-effective solutions that fit your goals.
Call 800-903-6066 today or request your free Maryland employee benefits review to start building a smarter, compliant, and more rewarding benefits strategy for your business.
Employers in Maryland are permitted to include flexible work arrangements in their benefits package. Remote work, flexible scheduling, shortened workweeks, and job-sharing arrangements are a few examples of these advantages. Offering flexible work arrangements can increase retention, increase job satisfaction, and assist employees in juggling their personal and professional obligations. While adhering to national and state labor laws, employers can customize these programs to meet their own business requirements.
We provide full benefits‑broker services throughout Maryland, including major cities such as Baltimore, Rockville, Gaithersburg, Silver Spring, Columbia, Towson, and Frederick. Our team works with businesses of all sizes across the state to help design, implement, and manage employee benefits programs that meet both state and federal requirements. Even if your company is located in a smaller city or town, we can provide the same level of support and guidance to ensure your employees receive comprehensive benefits.
Many benefit plans offer wellness programs that provide incentives for activities like preventive screenings, fitness challenges, or health coaching. Participation can support better health and sometimes reduce premiums.
Part‑time and seasonal workers generally can be eligible for specific benefits such as paid sick leave under state law and may participate in health or retirement plans depending on employer plan rules. Requirements for eligibility can vary by benefit type, so it’s important for employers to define eligibility clearly in plan documents and align plan design with federal and Maryland regulations.
When enrolling in employee benefits in Maryland, employees should be prepared to provide several key documents to ensure a smooth enrollment process. Typically, they will need proof of identity, such as a driver’s license or passport, and Social Security numbers for themselves and any dependents they plan to cover. Documentation verifying dependent eligibility, such as birth certificates, marriage certificates, or adoption papers, may also be required. Additionally, employees may need prior health plan information if they are transferring coverage or using a health savings account. Having these documents ready helps prevent delays and ensures accurate processing of benefits enrollment.
Employers may provide retirement plans such as 401(k), SIMPLE IRA, or SEP IRA programs. If a business does not offer a retirement plan, it may be required to participate in the Maryland Saves program, which automatically enrolls employees into a state managed retirement savings account.
Common benefits in Maryland typically include health insurance, dental and vision coverage, retirement plans, paid time off, and life insurance. Many employers also add flexible spending accounts and wellness programs to stay competitive and attract skilled workers in a diverse and growing job market.
Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.
We just started working with Taylor Benefits and could not be happier. Todd gave us quite the education as well as some time saving tools to help us manage our HR and save money too. We are looking forward to a long relationship!”
-Carol, Accounting Manager, recruitment marketing company, Campbell, CA
We’re ready to help! Call today: 800-903-6066