Temporary Disability in RI
Rhode Island State TDI: Temporary Disability Insurance in RI
RI Temporary Disability Insurance (TDI) is a state mandated program that applies to private workers. Rhode Island TDI provides payments for off the job accidents and illnesses. Rhode Island is one of only five states with mandated coverage.
RI has several family friendly programs: an infertility mandate, paid maternity benefits, and a supplemental family leave regulation. These programs do not apply to every resident, and leave several large holes. Fill the gap with a supplemental policy.
Temporary Disability in RI: Pregnancy, Maternity Leave
Temporary disability in RI covers your pregnancy and maternity leave. Other states publish specific guidelines for length of disability due to normal pregnancy. Rhode Island laws simply states that the program will cover your loss of income due to pregnancy, childbirth, miscarriage, and abortion. You will be entitled to the same payments as any other covered sickness.
Your covered sickness may be payable for a longer period if your doctor certifies that you have a specific complication related to the pregnancy; you have a Caesarean section; or you have another simultaneous disability. Your qualified healthcare provider will need to make a determination on the length of your unemployment due to pregnancy. A midwife is listed as a qualifed provider.
Rhode Island TDI Benefit Formula
Rhode Island TDI benefit formulas are very hard to determine from the department of labor website. The most succinct summary of TDI benefit formulas is found on a recent news release. Your weekly benefit rate will be equal to 4.62% of the wages paid to you in the highest quarter of your Base Period. Your weekly benefit rate remains the same throughout your benefit year.
Effective 7/1/10, $69.00 is the minimum and $700 is the maximum payment rate for claims with the benefit year begin date of 7/4/10 or greater. The weekly maximum can be extended as high as $945 per week if you have five dependents. The RI law allows for an incremental $10 or 7% weekly for each qualified dependent.
Rhode Island TDI benefits become payable after your disability exceeds a one week waiting period. This waiting week also becomes payable if you receive payments for all or some part of the three week immediately following the waiting week. The maximum benefit duration is 30 weeks.
Let's boil down the above TDI formula into something easier to grasp. The average level of income support is approximately 60% of your normal gross earnings. The payments are not taxable, so the amount of money you have left after taxes may remain about the same: provided you are not subject to the weekly cap. You are subject to the weekly cap of $700 if you have no dependents and your income exceeds approximately $60,000 per year. You are subject to the $945 cap if your income exceeds about $82,000 per year.
Consider purchasing supplemental disability insurance to increase your level of income replacement, or extend the length of time that benefits are payable.
Rhode Island TDI Eligibility Requirements
Rhode Island TDI eligibility requirements allow coverage for private workers only. Residency in the state does not automatically qualify you for the program - an important distinction that many people discover only after they become unable to earn an income.
Many residents are not covered. Those not covered include but are not limited to:
Rhode Island TDI Internet Claims System
Rhode Island TDI claims can be submitted using traditional paper-based claims forms, or you can utilize the more modern internet claims system. If you have specific questions about your claim, you can contact the Rhode Island Customer Service Information Center at: (401) 462-8420.