NJ TDI: 26 weeks of state-funded wage replacement.
New Jersey's Temporary Disability Insurance (TDI) is a state-funded wage replacement program for workers with non-work-related serious health conditions, including pregnancy and childbirth. Up to 26 weeks of benefits per disability period at 85% of average weekly wage, capped at $1,119/week in 2026 (up from $1,081 in 2025). Funded by employee contributions of 0.23% on the first $171,100 of wages — maximum annual employee contribution $393.53. Employers do not pay TDI premiums beyond facilitating payroll deduction.
TDI Contribution + Coordination
Withholds 0.23% TDI contribution on first $171,100 wages. Coordinates TDI claims with NJFLA job protection, ESL, and federal FMLA. Tracks 2026 NJFLA expansion impact (15-employee threshold).
What those rules do at payroll and at leave request.
The hero card configuration: Block on missing contributions, Flag on TDI/NJFLA coordination.
When a payroll run is exported without the 0.23% TDI employee contribution withholding (capped at $171,100 wages), the export fails. Contribution must be remitted to NJDOL.
Starting July 17, 2026, NJFLA expanded to grant job-restoration rights to TDI/FLI recipients. When a worker files a TDI claim, Teambridge surfaces the NJFLA coverage check and reinstatement obligation if applicable.
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Worker-funded, state-administered, 26 weeks for own serious health condition.
TDI is one of New Jersey's signature worker-protective benefits — separate from FLI (family leave) and ESL (earned sick leave). Funded entirely by employees through payroll deduction.
Coverage and qualifying conditions
TDI covers non-work-related serious health conditions: own injury, illness, surgery, recovery, or pregnancy/childbirth that prevents the worker from working. Work-related injuries are covered separately by Workers' Compensation. Maternity TDI typically covers 4-6 weeks post-delivery (longer for complications); the bonding period is then covered by FLI.
Benefit calculation
85% of the worker's average weekly wage during the base year, up to a maximum benefit. The 2026 maximum is $1,119/week (up from $1,081 in 2025), reflecting the State Average Weekly Wage rising. Benefits are paid for up to 26 consecutive weeks per disability period. Workers earning above the maximum receive only the cap; high earners often supplement with employer disability plans.
Teambridge runs TDI contributions and coordinates with the new NJFLA job-protection framework.
The July 2026 NJFLA expansion changes TDI from pure wage replacement to wage replacement + job protection — a structural shift.
0.23% on first $171,100.
Every payroll run withholds 0.23% TDI from each worker's wages (capped at $171,100). Contributions remitted to NJDOL quarterly.
Worker disability → TDI application workflow.
When a worker reports a non-work-related serious health condition, Teambridge surfaces the TDI application workflow and coordinates with NJFLA job-protection coverage check.
Job restoration tracked.
Starting July 17, 2026, covered employers (15+ employees worldwide) must reinstate TDI/FLI recipients. Teambridge tracks the job-protection obligation per worker and per claim.
NJDOL-approved private plans tracked.
Some employers offer NJDOL-approved private TDI plans. Teambridge supports both state TDI and private plan workflows with the same contribution and coordination logic.
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