How does Rhode Island calculate the weekly benefit?

Rhode Island sets your weekly benefit at 4.62 percent of the wages in your highest base-period quarter. That percentage is equivalent to replacing about 60 percent of your average weekly wage from that quarter, capped at the state maximum.

What is the difference between TDI and TCI?

TDI pays you when your own illness, injury, or pregnancy prevents work. TCI, Temporary Caregiver Insurance, pays you while bonding with a new child or caring for a seriously ill family member. Both use the same 4.62 percent high-quarter formula.

Is there a dependency allowance?

Yes. Rhode Island adds a dependency allowance for dependent children, the greater of 7 dollars or 7 percent of the benefit per child, for up to five children. This estimator shows the base benefit before any dependency allowance.

How long do benefits last?

Temporary Disability Insurance can pay up to 30 weeks for a single disability period. Temporary Caregiver Insurance pays a shorter span, recently expanded toward 7 weeks, used for bonding or family caregiving.

Is this my exact benefit?

No. This is an estimate of the base benefit. Actual payments depend on the state's wage verification, the waiting period, dependency allowances, and the current-year maximum cap. Confirm with the Rhode Island Department of Labor and Training.

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Rhode Island was the first U.S. state to offer temporary disability insurance. Today it runs Temporary Disability Insurance (TDI) for your own illness and Temporary Caregiver Insurance (TCI) for family leave, both using the same high-quarter formula.

How it works

Rhode Island bases your benefit on the highest quarter of your base period:

weekly benefit = highest-quarter wages × 4.62%   (capped at the state maximum)

The 4.62 percent figure works out to roughly 60 percent of that quarter’s average weekly wage. A dependency allowance may be added on top for dependent children. TDI lasts up to 30 weeks; TCI is shorter.

Example

A highest quarter of $13,000 gives 13000 × 0.0462 = $600.60 per week, below the cap, so the estimated base weekly benefit is about $601.

Notes

This is an estimate of the base benefit before any dependency allowance. Actual payments depend on the state’s wage verification, the waiting period, and the current-year maximum cap. Confirm with the Rhode Island Department of Labor and Training.