
Miranda is an award-winning freelancer who has covered various financial markets and topics since 2006. In addition to writing about personal finance, investing, college planning, student loans, insurance, and other money-related topics, Miranda is an avid podcaster and co-hosts the Money Talks News podcast.
David Schepp is a veteran financial journalist with more than two decades of experience in financial news editing and reporting for print, digital, and multimedia publications.

Needing time away from work can cause real anxiety, especially when itâs because you or someone close to you is facing a serious health issue. Whether itâs surgery, childbirth, or a chronic condition, stepping away can leave you wondering if youâre putting your job in jeopardy.
The Family and Medical Leave Act (FMLA) was created to address that concern. It gives eligible employees up to 12 weeks of unpaid leave annually for medical or family caregiving needs while protecting their jobs and maintaining access to group health benefits.
President Bill Clinton signed the Family and Medical Leave Act into law in 1993. It protects employees from being fired when they take extended time off for medical reasons or to care for an immediate family member. Eligible workers can take up to 12 weeks of unpaid leave annually without losing their job. During that time, employers must maintain group health insurance coverage as if the employee were still working. FMLA helps ensure that when you need time away for a major medical situation, you donât have to choose between your health (or your familyâs health) and your job.
Employees are eligible for FMLA leave if they:
Under federal law, an immediate family member means a spouse (you must be legally married), child, or parent. Unmarried partners arenât covered, although some state family leave laws do include them.
If you meet the requirements, your employer must allow you to take up to 12 weeks of unpaid leave a year. The leave can be taken as neededâit doesnât have to be taken all at once.
FMLA is a federal law that mandates job-protected leave, but it doesnât guarantee youâll get a paycheck during your time off. To fill that gap, 13 states and Washington, D.C., have passed laws that provide paid family and medical leave, either through state-run programs or employer mandates.
For example, you might take three weeks off to help a parent recover from surgery, then another six weeks later in the year when your spouse gives birth. That would leave you with three more weeks of leave available before the end of your 12-month period.
Employers can define those 12 months in different ways. Some use the calendar year, while others use a rolling method, looking back 12 months from the start of each new leave to see how much time youâve already used. The rolling method helps prevent employees from taking two full, 12-week leaves back-to-back as one year ends and another begins.
If you believe youâre eligible for FMLA leave, start the process by advising your manager or human resources department. Youâll likely need to complete some paperwork and provide documentation of the medical condition.
FMLA was expanded in 2008 to include additional protections for military families. If youâre caring for a covered service member with a serious injury or illness, you may be eligible for up to 26 weeks of unpaid leave during a 12-month period.
A qualifying reason is required to be eligible for leave under FMLAâand that includes caring for a new child. The law covers time off for the birth or adoption of a child, or when a child is placed with you through foster care. If you or your spouse is giving birth, or if youâre adopting or becoming a foster parent, youâre eligible to take unpaid time off to bond and adjust.
A health condition may qualify for FMLA leave if it prevents you from working or handling basic daily activities like bathing, eating, or shopping without assistance. Qualifying conditions may include Alzheimerâs disease, cancer and its treatments, major surgery and recovery, severe injuries, depression, and substance abuse treatment. In general, conditions that qualify for disability benefits are also likely to qualify for FMLA.
Chronic conditions like epilepsy, asthma, and diabetes may qualify for FMLA if they require ongoing treatment by a health care provider. These conditions can also make your leave less predictable. You might need to step away from work during a flare-up or take time off for regular medical appointments, either for yourself or to care for a family member.
If an illness, injury, or mental health condition results in overnight hospitalization, it typically qualifies as a serious health condition under FMLA. Follow-up treatment related to the hospital stay is usually covered, and your job is protected while youâre on leave.
If your employer wrongly denies you FMLA leave or takes action against you for using it, you have options.
Start by filing a complaint with the U.S. Department of Laborâs Wage and Hour Division, by phone, mail, or in person at a local office. The department can investigate and may take legal action to enforce your rights. Complaints canât be filed by email or online.
You also have the option to file a lawsuit on your own. If youâre unsure how to proceed, consider speaking with an attorney specializing in labor law to understand your rights and next steps. In most cases, you have two years from the date of the violation to file. If the violation was willful, the window extends to three years.
If your claim is successful, your employer may be required to reinstate you, provide back pay, or take other corrective steps. Employers are also barred from retaliating against you for asserting your FMLA rights.
Knowing your rights under the Family and Medical Leave Act can help ensure you receive the job protections youâre entitled to. Life happens, sometimes in ways that require more time off than vacation or sick days allow. If a medical issue prevents you from working, or if you need to care for a family member, FMLA can help you take unpaid leave while keeping your job and group health benefits.
Some states offer additional protections, so check with your employer or state labor agency to understand what benefits may apply where you work.