IN SB0186

Establishes the Hoosier Family Leave Insurance Program to provide wage replacement benefits (60% of average weekly wage) for up to 12 weeks per year during qualified family leave, including childbirth, adoption, foster care placement, caring for family members with serious health conditions, or the individual's own serious health condition

Funds the program through mandatory employee payroll contributions starting at 0.5% of wages (adjustable between 0.4%-0.6%), with employers required to withhold and remit contributions to a dedicated trust fund administered by the Department of Workforce Development

Covers employees of employers subject to Indiana's unemployment compensation system, with self-employed individuals able to opt in for a minimum 3-year period

Caps weekly benefits at 50-60% of the state average weekly wage, with the department authorized to create tiered formulas providing proportionally greater replacement for lower-wage workers

Effective July 1, 2026, with benefit payments delayed until actuarial analysis confirms fund solvency; does not create new job protection requirements beyond existing federal or state law