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State Plan vs. Private Plan <br />Advantages of Private Plan <br />•Carrier experienced with leaves <br />•Payment process most likely faster for employees <br />•Premium rate is locked for up to 2 years <br />•Some pay the required FICA tax for employer portion <br />•Cheaper premiums <br />Disadvantages of Private Plan <br />•Yearly $500 fee to state for requesting an Equivalent <br />Plan Substitution <br />•Have to have ancillary benefits with provider