Many employees are covered by a temporary disability insurance (TDI) plan. If you work in California, Hawaii, New Jersey, New York, or Rhode Island, state law requires this benefit. TDI may be paid from a state fund, with contributions from employees, employers, or both. Or, employers may simply be required to provide a minimum level of coverage for temporary disabilities. If your state doesn't require this coverage, your employer may still provide it voluntarily.
When Are Benefits Available?
Generally, TDI covers employees who are temporarily unable to work due to an illness or injury that is not work related. (Injuries or illnesses suffered on the job are typically covered by workers' compensation insurance, not TDI.) TDI also covers temporary disability due to pregnancy and childbirth. To find out exactly what your plan covers, contact the state agency that administers the program, your human resources department, or the insurance provider.
Duration of Temporary Benefits
How long you will receive benefits and how much you will receive depends on the terms of the TDI plan. These plans generally work by paying you a percentage of your salary (60% is typical) while you are unable to work, up to a time limit. These limits vary, but a maximum benefit of three to six months is common. If you are still unable to work when your TDI benefits run out, you may be eligible for long-term disability benefits.
Getting Legal Advice
If you believe you have been wrongly denied TDI benefits, or your benefits have been cut off improperly, you may wish to consult with a lawyer to assess your case and decide how to proceed.