State Temporary Disability vs SSDI
TL;DR: Six states (California, New Jersey, New York, Hawaii, Rhode Island, Washington) and Puerto Rico offer state temporary disability insurance (TDI) programs. These provide short-term benefits (typically 26-52 weeks) for workers who can't work due to non-work-related illness or injury. TDI is not SSDI. You can receive TDI while your SSDI application is pending. TDI has a lower bar (can't do your current job) and shorter duration than SSDI (can't do any job, long-term).
State TDI Programs
| State | Max Duration | Max Weekly Benefit (approx.) |
|---|---|---|
| California (SDI) | 52 weeks | $1,681 |
| New Jersey | 26 weeks | $1,025 |
| New York | 26 weeks | $170 |
| Hawaii | 26 weeks | $765 |
| Rhode Island | 30 weeks | $1,007 |
| Washington (PFML) | 12-16 weeks | $1,456 |
Using TDI as a Bridge to SSDI
If you're in a TDI state, file for TDI immediately when you stop working. File for SSDI simultaneously if you believe your condition will last 12+ months. TDI provides income during the months your SSDI application is pending.
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