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
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Frequently asked questions about Temporary Disability Insurance
What is Temporary Disability Insurance?+
Temporary Disability Insurance (TDI) is a program in some states. It helps workers who can't do their job because of an illness, injury, or pregnancy not related to work. It gives them a part of their usual paychecks for a little while, helping them pay bills when they can't earn money.
Who can get Temporary Disability Insurance?+
You can get TDI if you work in one of the states that offer this program and you pay into it through your job. You must also be unable to work for a short time due to a non-work injury, illness, or pregnancy. Each state has its own rules for who qualifies.
How do I apply for Temporary Disability Insurance?+
To apply for TDI, you usually need to fill out forms from your state's disability office. You'll need information about your job, your medical condition, and how long you expect to be out of work. Make sure to apply soon after you stop working. Our Benefits Eligibility Screener can help you see what's available.
How much money can I get from Temporary Disability Insurance?+
The amount of money you get from TDI depends on your past earnings and the rules of your state. It usually covers a part of your weekly pay, not all of it. There is often a maximum amount you can receive each week, and a limit on how many weeks you can get benefits.