Rhode Island Disability Insurance Calculator
Figure basis: Official Rhode Island Department of Labor & TrainingRhode Island Temporary Disability Insurance (TDI) is an employee payroll deduction that also funds Temporary Caregiver Insurance (TCI). This calculator estimates your 2026 Rhode Island 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 Rhode Island Department of Labor & Training and verified for 2026.
On $90,000 of wages in Rhode Island, the estimated 2026 Temporary Disability Insurance (TDI) deduction is $990.00 for the year, about 1.10% of pay.
How Rhode Island disability insurance is calculated
Temporary Disability Insurance (TDI): Rate down from 1.3% in 2025; the $100,000 wage base also covers TCI.
Temporary Disability Insurance (TDI): min(wages, $100,000) x 1.1%, capped at $1,100.00
Rhode Island disability insurance figures (2026)
| Program | Employee rate | Cap | Source |
|---|---|---|---|
| Temporary Disability Insurance (TDI) | 1.1% | $1,100.00/yr | Rhode Island Department of Labor & Training |
Editor's insight: Rhode Island TDI, TCI, and a lower 2026 rate
Rhode Island runs the oldest temporary disability program in the country, and in 2026 it is doing so at a lower cost to workers. The Department of Labor and Training funds Temporary Disability Insurance (TDI), which replaces wages when your own illness or injury keeps you off work, and Temporary Caregiver Insurance (TCI), which covers time to bond with a new child or care for a seriously ill family member. Both are paid for by the same single payroll deduction, and unlike most states it is funded entirely by employees, with no employer contribution.
For 2026 the rate is 1.1% of wages, down from 1.3% in 2025, applied to the first $100,000 you earn. That means the most any worker pays for the year is $1,100, reached once wages pass the $100,000 base. A worker on $60,000, for example, contributes $660 across the year.
Coverage extends to most private-sector employees in Rhode Island who meet the state's base-period earnings test. When a claim is approved, TDI and TCI pay a share of your average weekly wage, with an added allowance for dependents that many other states do not offer, for a set number of weeks. Because the deduction is capped at the $100,000 base, higher earners pay the same flat $1,100 maximum.
Rhode Island disability insurance: frequently asked questions
What is Rhode Island disability insurance and who pays it?
Rhode Island Temporary Disability Insurance (TDI) is an employee payroll deduction that also funds Temporary Caregiver Insurance (TCI). It is funded by an employee payroll deduction (your employer withholds it), not by the employer.
What is the Rhode Island disability insurance rate for 2026?
Temporary Disability Insurance (TDI): 1.1% on the first $100,000 of wages (maximum $1,100.00/year).
How much will this deduction cost on a $90,000 salary in Rhode Island?
On $90,000 of annual wages, the estimated 2026 Rhode Island contribution is $990.00, about 1.10% of pay. Enter your own wages above for your figure.
Is Rhode Island 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
- Rhode Island disability insurance rates and caps (tax year 2026): Rhode Island Department of Labor & Training, 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.