Press Alt+1 for screen-reader mode, Alt+0 to cancelAccessibility Screen-Reader Guide, Feedback, and Issue Reporting | New window
    Back to glossary
    GeneralTDI

    Temporary Disability Insurance

    State-run insurance programs that provide partial wage replacement to workers who are temporarily unable to work due to a non-work-related illness, injury, or pregnancy.

    Currently mandatory in: California (SDI), New York (DBL), New Jersey (TDI), Rhode Island (TDI), Hawaii (TDI), and Washington (PFML).

    Benefits typically replace 60%-70% of average weekly wages up to a state cap.

    Waiting periods of 7 days are common before benefits begin.

    → TDI is separate from worker's compensation (which covers work-related injuries) and FMLA (which is unpaid).

    Also known as

    TDI

    Take the next step

    Frequently asked questions about Temporary Disability Insurance

    What is Temporary Disability Insurance?+

    State-run insurance programs that provide partial wage replacement to workers who are temporarily unable to work due to a non-work-related illness, injury, or pregnancy. Currently mandatory in: California (SDI), New York (DBL), New Jersey (TDI), Rhode Island (TDI), Hawaii (TDI), and Washington (PFML).

    Who qualifies for Temporary Disability Insurance?+

    Eligibility rules vary. Use BK's free Benefit Eligibility Screener to see if you may qualify based on your situation.

    How do I apply for Temporary Disability Insurance?+

    BenefitKarma's free Benefit Eligibility Screener can point you to the right application path.

    Where can I get help?+

    Use BenefitKarma's free Benefit Eligibility Screener to see what programs you may qualify for. The Find Benefits tool tool also lets you browse programs by state.

    Your Privacy Matters

    We use cookies for site analytics and to improve your experience. Marketing and personalization stay off unless you opt in. Privacy Policy. You can customize your preferences anytime.