It's not necessarily weakness. When the law was passed, there may have been things that people didn't like, and didn't want to absorb the law into their contract. Or, they were mid contract when the law was passed and had to wait until new contract to incorporate the law. (This last one is the case for my employer and was why I couldn't file this summer)). I do have an aflac policy but as I wasn't the sick person, I was a caregiver, I couldn't use it)