Rhode Island temporary disability and caregiver insurance in 2026
Rhode Island runs one fund for two benefits: TDI for your own illness, injury or pregnancy, and TCI for bonding with a new child or caring for a seriously ill relative. Both pay from the same formula.
Rhode Island Temporary Disability Insurance, your own illness, injury or pregnancy
$739
a week · $2,957 for 5 weeks
| Weekly benefit | $739 |
| Average weekly wage used | $16,000 |
| Weeks paid (up to 30 weeks for this reason) | 4 weeks after a 7-day wait |
| Total for this leave | $2,957 |
| Federal income tax | depends on who paid the premiums |
| Your take-home pay now, a week | $1,017 |
| Share of take-home pay replaced | 73 % |
Rhode Island: 4.62% of the wages of the highest quarter of the base period, up to $1,150 a week for claims from July 1, 2026 ($1,552 with five dependents).
Compiled by Radif Partners · How the estimates are built · state laws and agency pages read October 20, 2026
Rhode Island Temporary Disability Insurance pays 4.62 % of the wages of your highest quarter in the base period, a percentage of the quarter itself rather than of a weekly wage. A best quarter of $10,000 gives $462 a week and $17,000 gives $785. The maximum rose to $1,150 for claims from July 1, 2026, up from $1,103, and is reached with a best quarter of about $24,892. A dependents allowance can raise it to $1,552. The minimum stays at $148 for claims from July 1, 2026. TDI lasts up to 30 weeks after at least 7 consecutive days out of work. Temporary Caregiver Insurance uses the same rate for up to 8 weeks, counted inside the 30. Workers alone pay for both through 1.1 % of wages up to $100,000.
A percentage of the quarter, not of the week
Your weekly rate is 4.62 % of the wages paid in the quarter of the base period in which you earned the most (DLT claimant pamphlet 2026). Dividing a quarter by thirteen weeks and applying a percentage gives the same kind of result: 4.62 % of a quarter equals about 60 % of the weekly wage in that quarter. The maximum is announced each year by the Department of Labor and Training and applies to claims filed from July 1.
Because the formula reads only the best quarter, a raise, a bonus quarter or a season of overtime counts in full. Two workers with the same yearly pay can receive different amounts if one had a stronger quarter.
TCI for a relative or a new child
Rhode Island Temporary Caregiver Insurance, bonding with a new child
$739
| Weekly benefit | $739 |
| Average weekly wage used | $16,000 |
| Weeks paid (up to 8 weeks for this reason) | 6 weeks |
| Total for this leave | $4,435 |
Caregiver weeks come out of the same total
TCI pays up to 8 weeks in a benefit year for bonding with a child or caring for a seriously ill family member, and those weeks reduce the TDI weeks still available (DLT frequently asked questions). Some older pages, including the 2026 tax release, still describe a shorter caregiver period; the frequently asked questions give the current figure. At a best quarter of $17,000, a full caregiver leave pays $6,283.
Waiting days and how long TDI lasts
To claim TDI you must be out of work for at least 7 consecutive days. The most a claim can pay is the equivalent of 30 full weeks, and no more than 36 % of base-period wages divided by the weekly rate. A recovery of 5 weeks at the same quarter is estimated at $3,142.
Dependents and the cap
Rhode Island adds an allowance for dependents to its disability and caregiver checks: the greater of $20 or 7 % of the benefit rate for each, up to 5 dependents. With the maximum allowance, the cap of $1,150 becomes $1,552 (DLT press release on the new maximums). The calculator leaves the allowance out.
Eligibility and cost
A 2026 claim requires at least $19,200 in base-period wages, with alternative tests for lower earners. The contribution fell from 1.3 % to 1.1 % of wages for 2026, on the first $100,000, so the most a worker pays is $1,100 (DLT 2026 rates). The agency's answer on taxes is plain: TDI benefits are not subject to federal or Rhode Island income tax, while TCI benefits are, and come with a 1099-G at the end of the year (DLT frequently asked questions); for TCI this matches Revenue Ruling 2025-4.
Rhode Island Temporary Disability Insurance: the 2026 figures
| Item | Value |
|---|---|
| Benefit rule | 4.62% of the wages of the highest quarter of the base period, up to $1,150 a week for claims from July 1, 2026 ($1,552 with five dependents) |
| Weekly benefit, 2026 | $148 to $1,150 |
| Weeks: Own health or pregnancy | 30 |
| Unpaid waiting period: own health or pregnancy | 7 days |
| Employee premium, 2026 | 1.1% of wages up to $100,000 |