Temporary Disability Insurance (TDI)
Temporary Caregiver Insurance (TCI)
Rhode Island
Department of Labor and Training
TDI Effective: 1942
TCI Effective: 01/01/14
Last updated: 11/07/23
State website: www.dlt.ri.gov
Rhode Island Temporarily Disability Insurance (RI TDI) Plan Details
Summary:
 |
Private plan: State Plan only. |
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Mandatory coverage: All employers in Rhode Island with one or more employees. |
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Waiting period: Seven consecutive calendar days. |
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Benefit duration: 30 weeks during a benefit year. |
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Maximum benefit: $1,043/week. |
| Coverage details |
State plan only. Insurers are not allowed to insure or administer the RI TDI plan. |
| Covered employers |
All employers with one or more employees in the state of Rhode Island. |
| Covered individuals |
Employees must:
|
| Contribution amount |
|
| Waiting period |
Seven consecutive days. Payment is retroactive to the first day of leave. |
| Benefit calculation |
4.62% of wages from the highest earning quarter of the base period. |
| Minimum weekly benefit amount |
$130 per week. |
| Maximum weekly benefit amount |
$1,043 per week. $1,408 per week for up to five dependents. |
| Other income amount offsets |
Benefits are reduced by any disability amounts paid under the laws of another state. Benefits are not offset by vacation, sick pay or salary or unemployment or workers’ compensation. Unemployment and workers’ compensation are considered exclusions. |
| Maximum duration |
30 weeks during a benefit year. Combined RI TDI and RI TCI cannot exceed 30 weeks per benefit year. |
Frequently Asked Questions
What are the qualifying leave reasons for RI TDI?
An employee’s injury or illness that is not work related or caused by their job.
What is the taxable wage base?
$87,000
Can leave be taken on an intermittent leave basis?
No. Leave is only continuous. However, an employee may return to work on a reduced schedule for eight weeks, and may be extended for up to a maximum of 12 weeks.
How do we determine the benefit year?
The benefit year is defined as the one-year period beginning with the Sunday of the first week the employee became disabled.
Is reimbursement to the employer allowed for advance payments of benefits?
No. The law is silent.
How are benefits prorated?
Benefits payable for less than one week will be paid in increments of 1/5th of the weekly benefits.
Is RI TDI job protected?
No. However, job protection may be provided through the federal FMLA.
Rhode Island Temporary Caregiver Insurance (RI TCI) Plan Details
Summary:
|
State or private plan: State plan only. |
|
Mandatory coverage: All employers in Rhode Island with one or more employees. |
|
Waiting period: Seven consecutive calendar days. |
|
Benefit duration: Six weeks during a benefit year. |
|
Maximum benefit: $1,043/week. |
| Coverage details |
State plan only. Insurers are not allowed to insure or administer the RI TCI plan. |
| Covered employers |
|
| Covered individuals |
Employees must:
|
| Contribution amount |
|
| Waiting period |
Seven consecutive days. Payment is retroactive to the first day of leave. |
| Benefit calculation |
4.62% of wages from the highest earning quarter of the base period. |
| Minimum weekly benefit amount |
$130 per week. |
| Maximum weekly benefit amount |
|
| Other income amount offsets |
Not applicable. |
| Maximum duration |
Six weeks during a benefit year. Combined RI TDI and RI TCI cannot exceed 30 weeks per benefit year. |
Frequently Asked Questions
What are the qualifying reasons for RI TCI?
Care of seriously ill family member or to bond with newborn, adopted or foster child within the first 12 months.
What is the taxable wage base?
$84,000
Can leave be taken on an intermittent leave basis?
No. Leave is only continuous.
How do we determine the benefit year?
The benefit year is defined as the one-year period beginning with the Sunday of the first week of the employee’s leave.
How are benefits prorated?
Benefits payable for less than one week will be paid in increments of 1/5th of the weekly benefits.
Is RI TCI job protected?
Yes. Employers must offer a comparable position with the equivalent seniority, status, employment benefits, pay and other terms and conditions including fringe benefits.
How does accrued paid leave apply to use of RI TCI?
Accrued paid leave is defined as leave earned by or otherwise provided to an employee pursuant to a benefit plan or policy offered by an employer including, but not limited to, sick leave, annual leave, vacation leave, personal leave, compensatory leave or paid time off.
RI TCI is not reduced by payments of accrued paid leave.
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Symetra assumes no responsibility for the accuracy or timeliness of any information provided herein. The information contained herein is for informational purposes only and is not legal advice or a substitute for legal counsel. We recommend employers speak with legal counsel specializing in labor and employment law to ensure compliance with applicable PFML and PFL mandates.
The information on this page was updated as of April 2024.