Hawaii TDI: 26 weeks of disability at 58% wage replacement
Hawaii's Temporary Disability Insurance (TDI) program, established in 1969, is the second-oldest state-mandated disability insurance in the U.S. It requires employers to provide partial wage replacement for non-work-related illnesses or injuries, with distinctive self-insurance or approved carrier options.
Hawaii TDI
Mandatory employer-provided short-term disability insurance for non-work-related illness or injury.
What those rules do as a Hawaii shift is created.
Teambridge's compliance engine automatically accounts for Hawaii's TDI requirements, ensuring your operations remain compliant from the moment a shift is scheduled.
Calculates Employee Contributions
Teambridge automatically calculates and flags the maximum employee contribution of 0.5% of weekly wages, capped at $7.50, for deduction accuracy, preventing over-deduction issues.
Monitors Benefit Triggers
The system monitors absence durations to identify when the 7-day waiting period for TDI benefits is met, alerting administrators to potential claims and ensuring timely processing.
Verifies Employer Coverage
For Hawaii-based operations, Teambridge prompts verification of current TDI coverage through an approved private carrier or self-insurance, a critical HI-distinctive requirement.
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Hawaii Revised Statutes Chapter 392: Temporary Disability Insurance
Hawaii's Temporary Disability Insurance (TDI) law mandates that employers provide short-term disability benefits to employees for non-work-related illnesses or injuries. This program is unique in that there is no state-operated fund; employers must either self-insure or purchase coverage from an approved private carrier.
HRS § 392-2, et seq. - Employers are required to provide TDI benefits to eligible employees. Benefits are payable for up to 26 weeks for any period of disability, at a rate of 58% of the employee's average weekly wage, not to exceed the maximum weekly benefit amount determined annually by the Department of Labor and Industrial Relations.
HRS § 392-41 - Employee contributions are permissible but are limited to 0.5% of the employee's weekly wage, up to a maximum of $7.50 per week (as of 2026). Employers are responsible for the remaining cost of the TDI plan.
HRS § 392-25 - A waiting period of 7 consecutive days of disability must be served before benefits become payable. This waiting period applies to each period of disability.
Benefit Calculation and Duration
Under HRS Chapter 392, eligible employees who suffer a non-work-related illness or injury are entitled to receive weekly benefits equal to 58% of their average weekly wage. For 2026, the maximum weekly benefit is set at $871. These benefits can be paid for a maximum of 26 weeks within a 52-consecutive-week period. A 7-day waiting period must be completed before benefits commence, meaning the first week of disability is typically unpaid by TDI.
Employer Obligations and Contributions
Unlike many other states with TDI programs, Hawaii does not operate a state fund for temporary disability benefits. Instead, employers are mandated to secure TDI coverage through a private, approved insurance carrier or by establishing an approved self-insurance plan with the Department of Labor and Industrial Relations. Employers are permitted to deduct a portion of the premium from employee wages, but this deduction is strictly limited to 0.5% of the employee's weekly wage, capped at $7.50 per week (effective for 2026).
Teambridge ensures Hawaii TDI compliance, automatically.
Teambridge integrates Hawaii's TDI regulations directly into your operational workflow, eliminating manual tracking and reducing compliance risk for employers operating in the state.
Automated Employee Contribution Limits
Teambridge automatically calculates and applies the correct employee contribution for TDI, ensuring it never exceeds the statutory cap of $7.50 per week or 0.5% of weekly wages, whichever is less. This prevents over-deduction and ensures payroll accuracy.
Tracking Disability Waiting Periods
When an employee reports a non-work-related illness or injury, Teambridge's system accurately tracks the 7-day waiting period before TDI benefits become payable. It integrates with your leave management to ensure benefits begin at the correct time, reducing administrative burden.
Proof of Coverage Assurance
Teambridge prompts employers to confirm and regularly update their private TDI insurance carrier details or self-insured status, ensuring continuous compliance with Hawaii's unique requirement for employer-provided, non-state-funded coverage.
People also ask.
What is Hawaii TDI?
Hawaii Temporary Disability Insurance (TDI) is a state-mandated program requiring employers to provide short-term wage replacement benefits to employees who are unable to work due to a non-work-related illness or injury. It's unique because employers secure coverage through private insurance or self-insurance, rather than a state fund.
How much does an employee contribute to Hawaii TDI?
Employees in Hawaii can contribute up to 0.5% of their weekly wages towards TDI, with a maximum cap of $7.50 per week (as of 2026). The employer is responsible for the remaining cost of the TDI plan.
What is the maximum weekly benefit for Hawaii TDI?
For 2026, the maximum weekly benefit for Hawaii TDI is $871. Benefits are calculated at 58% of the employee's average weekly wage, up to this maximum.
Is there a waiting period for Hawaii TDI benefits?
Yes, there is a 7-consecutive-day waiting period for Hawaii TDI benefits. This means that benefits typically begin on the eighth day of disability, and the first week is unpaid.
How long can an employee receive Hawaii TDI benefits?
An employee can receive Hawaii TDI benefits for a maximum of 26 weeks during a 52-consecutive-week period for any single period of disability.
Does Hawaii have a state-run TDI fund?
No, Hawaii does not have a state-run TDI fund. Employers are required to provide coverage through an approved private insurance carrier or by establishing an approved self-insurance plan.