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?+
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.