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Temporary disability insurance requirements by state

Explore temporary disability insurance (TDI) requirements by state and understand employer and employee contribution rules, benefits, and waiting periods.

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by Brightmine Editorial Team

Understanding temporary disability insurance (TDI) requirements is essential for HR teams responsible for protecting employee income during nonwork‑related illnesses, injuries, or pregnancy. Several states require employers to provide TDI coverage, ensuring workers have access to wage replacement when they cannot perform their duties.

Because TDI laws differ widely across jurisdictions, HR professionals must stay informed about each state’s contribution rules, benefit levels, waiting periods, and documentation requirements.

Our Fifty state chart for temporary disability insurance requirements gives HR teams a clear, state‑by‑state overview, helping organisations strengthen compliance, support employee wellbeing, and streamline benefits administration. With accurate insights into mandated coverage and regular updates, HR leaders can confidently manage disability benefits and ensure employees receive the protection they need.

Screenshot of the Brightmine Fifty State Chart for Temporary disability insurance requirements

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Latest updates

Updated to reflect Rhode Island’s maximum weekly benefit amount, effective July 1, 2025.

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