Hawaii Disability Insurance Calculator
Figure basis: Official Hawaii Department of Labor and Industrial Relations, Disability Compensation DivisionHawaii Temporary Disability Insurance (TDI) lets an employer withhold up to half the premium cost from employees, within statutory caps. This calculator estimates your 2026 Hawaii deduction for Temporary Disability Insurance (TDI). Enter your annual wages to see the contribution and the total. This is an employee payroll deduction: your employer withholds it from your pay and sends it to the state, so it reduces your take-home pay but is not paid by the employer. It is separate from federal income tax, Social Security, and Medicare. All rates and caps are sourced from Hawaii Department of Labor and Industrial Relations, Disability Compensation Division and verified for 2026.
On $90,000 of wages in Hawaii, the estimated 2026 Temporary Disability Insurance (TDI) deduction is $390.00 for the year, about 0.43% of pay.
How Hawaii disability insurance is calculated
Temporary Disability Insurance (TDI): Employee share is at most 0.5% of the weekly wage, capped at $7.50/week for 2026; max weekly wage base $1,500.21.
Temporary Disability Insurance (TDI): min(weekly wage, $1,500.21) x 0.5%, capped at $7.50/week, x 52 weeks
Hawaii disability insurance figures (2026)
| Program | Employee rate | Cap | Source |
|---|---|---|---|
| Temporary Disability Insurance (TDI) | 0.5% | $7.50/wk | Hawaii Department of Labor and Industrial Relations, Disability Compensation Division |
Editor's insight: how Hawaii splits the TDI premium
Hawaii is one of a small group of states that requires temporary disability coverage, but it runs the program differently from California. Rather than a single state fund, Hawaii's Temporary Disability Insurance (TDI) law obliges employers to carry TDI coverage (through a private carrier, an approved self-insured plan, or the state), and it lets them recover part of the cost from workers. The employee share is strictly limited: at most 0.5% of your weekly wages, and no more than $7.50 a week for 2026. That cap follows from the maximum weekly wage base of $1,500.21, since 0.5% of that figure is $7.50.
In practice a Hawaii employee pays no more than about $390 a year toward TDI, however high the salary, and the employer must fund whatever the premium costs above the worker's share. This is the point many pay stubs obscure: TDI is not funded by the employee alone.
Coverage reaches most private-sector employees who have met Hawaii's minimum recent-work requirement. When you cannot work because of a non-work illness, injury, or pregnancy, TDI replaces a set share of your average weekly wage, up to a state maximum, for a limited number of weeks. It does not cover job-related injuries, which fall under workers' compensation instead.
Hawaii disability insurance: frequently asked questions
What is Hawaii disability insurance and who pays it?
Hawaii Temporary Disability Insurance (TDI) lets an employer withhold up to half the premium cost from employees, within statutory caps. It is funded by an employee payroll deduction (your employer withholds it), not by the employer.
What is the Hawaii disability insurance rate for 2026?
Temporary Disability Insurance (TDI): 0.5% of the weekly wage, capped at $7.50/week.
How much will this deduction cost on a $90,000 salary in Hawaii?
On $90,000 of annual wages, the estimated 2026 Hawaii contribution is $390.00, about 0.43% of pay. Enter your own wages above for your figure.
Is Hawaii disability insurance deducted from my paycheck?
Yes. Temporary Disability Insurance (TDI) is withheld from your wages by your employer and remitted to the state. It is separate from federal income tax, Social Security, and Medicare.
Official sources
- Hawaii disability insurance rates and caps (tax year 2026): Hawaii Department of Labor and Industrial Relations, Disability Compensation Division, as at Jul 15, 2026.
Reviewed by the CalculatorHub team, edited by James Graham, 15 July 2026. See our methodology. General information, not tax or legal advice.