Rhode Island Temporary Disability Insurance and Temporary Caregiver Insurance

Temporary disability insurance provides weekly payments to Rhode Island workers who miss work due to a non-work-related illness or injury. The Temporary Caregiver Insurance law was enacted on July 11, 2013. TCI offers paid leave to care for a seriously ill loved one or to bond with a new child. You must apply within 30 days of starting your leave. 

 

Temporary Disability Insurance (TDI)

Qualifying leave reasons

Employee’s own non-work-related illness or injury

Benefit waiting period

Must be out of work for 7 days, but benefit is payable from day one

Benefit amount

4.62% of wages earned during the highest quarter of the base year

Dependent benefit amount

Greater of $20 or 7% of the employee’s weekly benefit rate for up to 5 dependents

Maximum weekly benefit

$1,150/$1,552 inclusive of dependent benefits (effective July 1, 2026)

Minimum weekly benefit

$148

Maximum benefit duration

30 weeks

  • No more than 30 weeks in a benefit year combined between TDI and TCI
  • Cannot take TDI and TCI at the same time

Contributions

  • 1.1% of employee taxable wage base
  • Employee paid
  • Inclusive of Temporary Caregiver (TCI) cost

 

Temporary Caregiver Insurance (TCI)

Qualifying Leave Reasons

Bond with a new child (birth, adoption, or foster care placement)

Care for a seriously ill family member

Benefit Waiting Period

Must be out of work for 7 days, but benefit is payable from day one

Benefit Amount

4.62% of wages earned during the highest quarter of the base year

Dependent Benefit Amount

Greater of $20 or 7% of the employee's weekly benefit rate for up to 5 dependents

Maximum Weekly Benefit

$1,150/$1,552 inclusive of dependent benefits (effective July 1, 2026)

Minimum Weekly Benefit

$148

Maximum Leave Duration

8 weeks (effective January 1, 2026)

  • No more than 30 weeks in a benefit year combined between TDI and TCI
  • Cannot take TDI and TCI at the same time
  • Contributions
  • 1.1% of employee taxable wage base
  • Employee paid
  • Inclusive of Temporary Disability (TDI) cost
Still have questions? Visit the official state resource for more details.

This information is current has of July 1, 2026 and is subject to change.  Information is reviewed and updated periodically when individual states issue updates. The information is for general informational purposes only and does not purport to be complete or to cover every situation. Please note this information does not constitute legal advice. You must consult with your own legal advisors to determine how these laws will affect you.

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and are backed solely by their claims-paying obligations. Some products are not available in all states.

GE-8474912.1 (10/2025) (Exp. 10/2029)