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Direct answer: Five states have state disability insurance as of Oct. 18, 2026: California (SDI), Hawaii, New Jersey and Rhode Island (TDI) and New York (DBL). It pays part of your wages when an illness, injury or pregnancy that isn't from work keeps you off the job. Tennessee, Texas and Florida have none.
By the numbers: State disability insurance read from official program sites Oct. 18, 2026: 5 states; 2026 max weekly benefit from $170 (New York) to $1,765 (California); worker payroll cost from 60 cents a week (New York) to 1.3% of all wages (California). Source: VaultRubric from state program sites
“The most you can receive is 52 weeks of DI benefits, for your own non-work-related illness, injury, or pregnancy.” — California EDD
Updated 2026-10-18
Five: California (State Disability Insurance), Hawaii, New Jersey and Rhode Island (Temporary Disability Insurance) and New York (Disability Benefits Law). Puerto Rico has one too. Every other state, including Tennessee, Texas and Florida, has none.
California's SDI rate is 1.3% of all wages in 2026, with no wage cap. New Jersey workers pay 0.19% of the first $171,100 (max $325.09), Rhode Island 1.1% of the first $100,000 (max $1,100), Hawaii up to 0.5% of weekly wages (max $7.50 a week), and New York up to 0.5% of wages but no more than 60 cents a week.
California pays up to $1,765 a week for up to 52 weeks. Rhode Island pays up to $1,150 (benefit years from July 1, 2026), New Jersey $1,119, Hawaii $871 and New York $170, each for up to 26 to 30 weeks.
No. Tennessee has no state disability insurance program, so nothing is taken out of your pay for one. Short-term disability in Tennessee comes from an employer plan or a policy you buy; SSDI covers long-term, total disability.
Yes. California, New Jersey and New York don't pay the first 7 days (one week). Hawaii's standard plans pay from the 8th day, and Rhode Island requires you to be out of work at least 7 days in a row.
Yes, for the standard state-required plan: 50% of your average weekly wage for the last 8 weeks worked, capped at $170 a week, for up to 26 weeks. Employers can buy enhanced plans that pay more.
State disability insurance (CA SDI, HI TDI, NJ TDI, NY DBL, RI TDI) 2026 benefits and worker rates read from each state's official program site; checked Oct. 18, 2026.
As of Oct. 18, 2026 · read from official state program sites · 50 states + DC
Only five states run short-term disability insurance: California, Hawaii, New Jersey, New York and Rhode Island. If an illness, injury or pregnancy that isn't from work keeps you off the job, it replaces part of your pay. In 2026 the most you can get ranges from $170 a week (New York) to $1,765 (California). Tennessee, Texas and Florida have no program.
The math:
Sources: Cost check · The 5 programs · Sources
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Pick the state you work in and your yearly pay before taxes.
Read on Oct. 18, 2026 from each program's official site (numbered links in each row). These programs pay for your own illness, injury or pregnancy that isn't from your job; an injury at work is workers' compensation instead.
| State | Max weekly benefit (2026) | Benefit | How long | Worker pays | Sources |
|---|---|---|---|---|---|
| California State Disability Insurance (SDI), run by EDD | $1,765 a week Minimum $50 a week | About 70% to 90% of your weekly wages in your highest-paid quarter of the base period | Up to 52 weeks First 7 days unpaid | 1.3% of all wages No wage cap (since Jan. 1, 2024) | 1 2 3 4 |
| Hawaii Temporary Disability Insurance (TDI), through your employer's plan | $871 a week | 58% of your average weekly wages | Up to 26 weeks Paid from the 8th day of disability (statutory plans) | Up to 0.5% of weekly wages, max $7.50 a week 0.5% applies to weekly wages up to $1,500.21 | 1 2 |
| New Jersey Temporary Disability Insurance (TDI) | $1,119 a week | 85% of your average weekly wage | Up to 26 weeks First week unpaid (waiting week) | 0.19% of wages Up to $171,100 (max $325.09 a year) | 1 2 3 |
| New York Disability Benefits Law (DBL), employer-provided | $170 a week | 50% of your average weekly wage for the last 8 weeks worked | Up to 26 weeks in any 52 weeks (combined with Paid Family Leave) First 7 days unpaid | Up to 0.5% of wages, max 60 cents a week About $31.20 a year at most (60 cents x 52) | 1 2 3 |
| Rhode Island Temporary Disability Insurance (TDI), run by RI DLT | $1,150 a week (benefit years from July 1, 2026; was $1,103) Minimum $148 a week | Set by your base-period wages; plus a dependency allowance (greater of $20 or 7% per dependent, up to 5) | Up to 30 weeks Must be out of work at least 7 days in a row | 1.1% of wages Up to $100,000 (max $1,100 a year) | 1 2 3 4 |
Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
Puerto Rico also has a short-term disability program (SINOT); it isn't covered here. Several states without disability insurance have a paid family and medical leave program instead; see paid family leave by state.
How we built this: we read each program's official site (or the state labor agency's release or PDF) on Oct. 18, 2026, saved a copy with a checksum, and our build checks that every number's quoted words appear in that saved text (42 quotes). The cost check multiplies your pay (up to the wage cap) by the most a worker can be charged; for New York and Hawaii, whose caps are weekly, it assumes 52 equal weekly paychecks. It runs in your browser with the same rules as our server-side test.
Facts, not legal advice or an insurance quote. Each program has eligibility rules (earnings in a base period, medical certification, filing deadlines), and your benefit depends on your past wages. Confirm with your state program before you plan time off. We don't sell insurance.
Five: California (State Disability Insurance), Hawaii, New Jersey and Rhode Island (Temporary Disability Insurance) and New York (Disability Benefits Law). Puerto Rico has one too. Every other state, including Tennessee, Texas and Florida, has none.
California's SDI rate is 1.3% of all wages in 2026, with no wage cap. New Jersey workers pay 0.19% of the first $171,100 (max $325.09), Rhode Island 1.1% of the first $100,000 (max $1,100), Hawaii up to 0.5% of weekly wages (max $7.50 a week), and New York up to 0.5% of wages but no more than 60 cents a week.
California pays up to $1,765 a week for up to 52 weeks. Rhode Island pays up to $1,150 (benefit years from July 1, 2026), New Jersey $1,119, Hawaii $871 and New York $170, each for up to 26 to 30 weeks.
No. Tennessee has no state disability insurance program, so nothing is taken out of your pay for one. Short-term disability in Tennessee comes from an employer plan or a policy you buy; SSDI covers long-term, total disability.
Yes. California, New Jersey and New York don't pay the first 7 days (one week). Hawaii's standard plans pay from the 8th day, and Rhode Island requires you to be out of work at least 7 days in a row.
Yes, for the standard state-required plan: 50% of your average weekly wage for the last 8 weeks worked, capped at $170 a week, for up to 26 weeks. Employers can buy enhanced plans that pay more.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.
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