Temporary Disability Insurance (TDI)
Temporary Caregiver Insurance (TCI)

Rhode Island

Department of Labor and Training

TDI Effective: 1942
TCI Effective: 01/01/14
Last updated: 11/07/23

State website: www.dlt.ri.gov

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Rhode Island Temporarily Disability Insurance (RI TDI) Plan Details

Summary:
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Private plan: State Plan only.

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Mandatory coverage: All employers in Rhode Island with one or more employees.

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Waiting period: Seven consecutive calendar days.

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Benefit duration: 30 weeks during a benefit year.

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Maximum benefit: $1,043/week.

 
Coverage details

State plan only. Insurers are not allowed to insure or administer the RI TDI plan.

Covered employers

All employers with one or more employees in the state of Rhode Island.

Covered individuals

Employees must:

  • Be currently employed by Rhode Island employer;
  • Have earned at least $15,600 in the base period; or
  • Have earned at least $2,800 in one of the base period quarters; and
  • Have total base period wages of at least $5,600 and at least 1.5 times their highest quarter of earnings.
Contribution amount
  • Employee contribution:
    • 1.2% of the first $87,000 of annual earnings.
    • Up to a maximum of $1,044.00 (includes RI TCI contribution).
  • Employer Contribution:
    • None.
Waiting period

Seven consecutive days. Payment is retroactive to the first day of leave.

Benefit calculation

4.62% of wages from the highest earning quarter of the base period.

Minimum weekly benefit amount

$130 per week.

Maximum weekly benefit
amount

$1,043 per week.

$1,408 per week for up to five dependents.

Other income amount offsets

Benefits are reduced by any disability amounts paid under the laws of another state. Benefits are not offset by vacation, sick pay or salary or unemployment or workers’ compensation. Unemployment and workers’ compensation are considered exclusions.

Maximum duration

30 weeks during a benefit year.

Combined RI TDI and RI TCI cannot exceed 30 weeks per benefit year.

Frequently Asked Questions

Rhode Island Temporary Caregiver Insurance (RI TCI) Plan Details

Summary:
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State or private plan: State plan only.

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Mandatory coverage: All employers in Rhode Island with one or more employees.

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Waiting period: Seven consecutive calendar days.

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Benefit duration: Six weeks during a benefit year.

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Maximum benefit: $1,043/week.

 
Coverage details

State plan only. Insurers are not allowed to insure or administer the RI TCI plan.

Covered employers
  • All employers with one or more employees in the state of Rhode Island.
Covered individuals

Employees must:

  • Be currently employed by Rhode Island employer;
  • Have earned at least $15,600 in the base period; or
  • Have earned at least $2,600 in one of the base period quarters; and have total base period wages of at least $5,200 and at least 1.5 times their highest quarter of earnings.
Contribution amount
  • Employee contribution:
    • 1.2% of the first $87,000 of annual earnings.
    • Up to a maximum of $1,044.00 (includes RI TDI contribution).
  • Employer contribution:
    • None.
Waiting period

Seven consecutive days. Payment is retroactive to the first day of leave.

Benefit calculation

4.62% of wages from the highest earning quarter of the base period.

Minimum weekly benefit amount

$130 per week.

Maximum weekly benefit amount
  • $1,043 per week.
  • $1,408 per week for up to five dependents.
Other income amount offsets

Not applicable.

Maximum duration

Six weeks during a benefit year.

Combined RI TDI and RI TCI cannot exceed 30 weeks per benefit year.

Frequently Asked Questions

 

 

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Symetra assumes no responsibility for the accuracy or timeliness of any information provided herein. The information contained herein is for informational purposes only and is not legal advice or a substitute for legal counsel. We recommend employers speak with legal counsel specializing in labor and employment law to ensure compliance with applicable PFML and PFL mandates.

The information on this page was updated as of September 2024.