New Jersey Disability Insurance Calculator
Figure basis: Official New Jersey Department of Labor and Workforce DevelopmentNew Jersey Temporary Disability Insurance (TDI) is an employee payroll deduction that provides cash benefits when you cannot work due to a non-work illness or injury. This calculator estimates your 2026 New Jersey 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 New Jersey Department of Labor and Workforce Development and verified for 2026.
On $90,000 of wages in New Jersey, the estimated 2026 Temporary Disability Insurance (TDI) deduction is $171.00 for the year, about 0.19% of pay.
How New Jersey disability insurance is calculated
Temporary Disability Insurance (TDI): Family Leave Insurance (FLI) is a separate deduction on the same $171,100 base.
Temporary Disability Insurance (TDI): min(wages, $171,100) x 0.19%, capped at $325.09
New Jersey disability insurance figures (2026)
| Program | Employee rate | Cap | Source |
|---|---|---|---|
| Temporary Disability Insurance (TDI) | 0.19% | $325.09/yr | New Jersey Department of Labor and Workforce Development |
Editor's insight: New Jersey TDI and its family-leave twin
New Jersey is one of the few states with a public temporary disability program, and it pairs Temporary Disability Insurance (TDI) with a matching Family Leave Insurance (FLI) benefit, both run by the Department of Labor and Workforce Development. TDI covers you when your own non-work illness, injury, or pregnancy keeps you off the job; FLI covers time to bond with a new child or care for a seriously ill family member. Both are deducted from your pay on the same taxable wage base of $171,100 for 2026.
The TDI worker contribution for 2026 is 0.19% of wages up to that base, so the most any employee pays toward TDI for the year is $325.09, reached once earnings pass $171,100. FLI is a separate line with its own rate on the same base, so a New Jersey worker often sees two distinct deductions. Employers also pay an experience-rated TDI contribution, so the program is not funded by employees alone.
Coverage extends to most New Jersey employees who meet the state's recent-earnings test. When a claim is approved, TDI replaces a large share of your average weekly wage, up to a state maximum that is updated each year, for up to 26 weeks. Because the deduction is capped, higher earners pay the same flat maximum as anyone above the wage base.
New Jersey disability insurance: frequently asked questions
What is New Jersey disability insurance and who pays it?
New Jersey Temporary Disability Insurance (TDI) is an employee payroll deduction that provides cash benefits when you cannot work due to a non-work illness or injury. It is funded by an employee payroll deduction (your employer withholds it), not by the employer.
What is the New Jersey disability insurance rate for 2026?
Temporary Disability Insurance (TDI): 0.19% on the first $171,100 of wages (maximum $325.09/year).
How much will this deduction cost on a $90,000 salary in New Jersey?
On $90,000 of annual wages, the estimated 2026 New Jersey contribution is $171.00, about 0.19% of pay. Enter your own wages above for your figure.
Is New Jersey 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
- New Jersey disability insurance rates and caps (tax year 2026): New Jersey Department of Labor and Workforce Development, 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.