IA SF109

Creates the "Iowa Family and Medical Leave Act" establishing a paid family and medical leave insurance program administered by the Department of Workforce Development, with benefits payable beginning January 1, 2030

Eligible employees who have worked 12 consecutive months and 1,250 hours for a covered employer may receive up to 12 weeks of family leave, 12 weeks of medical leave, or 16 weeks combined in a 12-month period, with benefits equal to 80% of spendable weekly earnings (capped at 200% of statewide average weekly wage)

Funded through payroll premiums of 0.4% of wages, with employers paying 55% and employees paying up to 45% of both family leave and medical leave premium portions; premium rates adjust annually based on account balance ratios starting in 2031

Covered employers include private sector employers with 10+ employees and all public employers; self-employed individuals may voluntarily elect coverage with a minimum three-year initial participation period

Provides job protection requiring restoration to the same or equivalent position upon return from leave, and requires employers to maintain existing health benefits during leave as required under federal FMLA