What Are Mandatory State DI Programs?
Unlike Social Security Disability Insurance (SSDI), which is federal and covers only long-term total disability, state-mandated disability insurance programs provide short-term income replacement for workers who cannot perform their job due to a non-work-related illness or injury.
These programs are typically funded through small employee payroll deductions and provide benefits for periods ranging from 4 to 52 weeks, bridging the gap before SSDI eligibility or during temporary disabilities.
All Mandatory State DI Programs
Click any state to learn more about its disability insurance program, eligibility requirements, and current statistics.
State DI Programs at a Glance
A quick-reference comparison of key features across all mandatory state disability programs.
| State | Program Name | Type | Max Duration | Benefit Rate | Funded By | SSDI Disabled |
|---|---|---|---|---|---|---|
|
CA
California
|
California SDI | SDI | 52–78 weeks | 60–70% wages | Employee | 687,000 |
|
NY
New York
|
New York DBL | DBL | 10 weeks | 50% wages | Employer | 427,000 |
|
NJ
New Jersey
|
New Jersey TDI | TDI | 26 weeks | 66% wages | Employee | 203,000 |
|
RI
Rhode Island
|
Rhode Island TDI | TDI | 30 weeks | 60% wages | Employee | 37,000 |
|
HI
Hawaii
|
Hawaii TDI | TDI | 26 weeks | 58% wages | Employee/Employer | 30,000 |
|
MA
Massachusetts
|
Massachusetts PFML | PFML | 12–20 weeks | 60–80% wages | Employee/Employer | 185,000 |
|
CT
Connecticut
|
Connecticut PFML | PFML | 12 weeks | 60–95% wage base | Employee/Employer | 96,000 |
|
WA
Washington
|
Washington PFML | PFML | 12–18 weeks | 60–90% wage base | Employee/Employer | 178,000 |
|
CO
Colorado
|
Colorado PFML | FAMLI | 12 weeks | 60–90% wage base | Employee/Employer | 120,000 |
|
OR
Oregon
|
Oregon PFML | PFML | 12–16 weeks | 65–100% wage base | Employee/Employer | 110,000 |
|
DC
D.C.
|
D.C. PFML | UPIL | 12 weeks | 90% wages | Employer | 18,000 |
Federal vs. State Programs
Social Security Disability Insurance (SSDI) is a federal program that covers long-term total disability for workers who have paid sufficient payroll taxes. State DI programs fill the gap for short-term disabilities and often have lower eligibility thresholds.
Employee vs. Employer Funding
In some states (like California and New Jersey), the program is primarily funded through small deductions from employee paychecks. In others (like New York), employers bear the full cost of providing coverage.
Why These States Matter
Workers in states with mandatory programs have a critical safety net for short-term illness or injury. Without such programs, a 4-week recovery period could mean devastating loss of income — especially for hourly or gig workers.