Temporary Disability Insurance — TDI
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.
Official source: dol.gov
Temporary Disability Insurance (TDI) helps workers who get sick or hurt outside of work and can't do their job for a short time. It pays them a portion of their regular wages while they are recovering. This protection is currently required in a few states: California (SDI), New York (DBL), New Jersey (TDI), Rhode Island (TDI), Hawaii (TDI), and Washington (PFML).
When you qualify, TDI usually pays you about 60% to 70% of your normal weekly pay, up to a certain maximum amount set by the state. You often have to wait about 7 days after you stop working before these payments start. It’s important to know that TDI is different from worker's compensation, which is for injuries that happen on the job. It's also different from FMLA, which can give you time off but doesn't usually pay you. A common thing to remember is that TDI only covers non-work-related issues, so if you get hurt at work, a different insurance program will apply.
In real life
- A worker gets sick and cannot do their job for a few weeks.
- Someone breaks a leg outside of work and needs time to heal.
- A new mother takes time off after having a baby.
Also known as
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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.
Source: dol.gov