Rhode Island TDI/TCI 2026 contribution rate decreases to 1.1%
Effective January 1, 2026, Rhode Island's Temporary Disability Insurance (TDI) and Temporary Caregiver Insurance (TCI) contribution rate for employees is set to 1.1% of taxable wages, a reduction from the 2025 rate of 1.3%. This change is coupled with an increase in the taxable wage base to $100,000, up from $89,200 in 2025. The maximum annual employee contribution will also decrease to $1,100.
Rhode Island TDI/TCI Contributions
Mandatory employee contributions fund Rhode Island's Temporary Disability and Temporary Caregiver Insurance programs.
What those rules do as a Rhode Island shift is created.
Teambridge automatically calculates and applies the correct TDI/TCI deductions based on the employee's earnings, ensuring compliance with the updated 2026 rates and wage base limits.
Accurate Payroll Deductions
For every pay period in 2026, Teambridge ensures the employee's gross wages are assessed against the 1.1% TDI/TCI contribution rate, up to the $100,000 taxable wage base.
Wage Base Tracking
Teambridge continuously tracks each employee's year-to-date taxable wages to automatically cease deductions once the $100,000 wage base maximum is reached, preventing over-contribution.
Maximum Contribution Ceiling
The system is hard-coded with the $1,100 maximum annual employee contribution, guaranteeing that no employee contributes more than legally required, even with varying pay schedules.
Stop worrying about Rhode Island compliance.
Teambridge handles the complexity of state and local labor laws, so you can focus on your business.
Rhode Island TDI/TCI contribution rate and wage base for 2026.
The Rhode Island Department of Labor and Training (DLT) sets the annual contribution rates and taxable wage base for its Temporary Disability Insurance (TDI) and Temporary Caregiver Insurance (TCI) programs. These rates are mandatory employee payroll deductions.
Rhode Island General Laws § 28-39-3 (TDI) and § 28-41-10 (TCI)
For the calendar year 2026, the contribution rate for employees to the Temporary Disability Insurance fund shall be one and one-tenth percent (1.1%) of the employee's wages paid by an employer up to the maximum taxable wage base of one hundred thousand dollars ($100,000). The maximum employee contribution for 2026 shall not exceed one thousand one hundred dollars ($1,100).
Impact on Employee Contributions
The reduced contribution rate of 1.1% is generally favorable for employees. However, the increased taxable wage base means that higher-earning employees will have more of their income subject to the deduction. An employee earning $100,000 or more will contribute $1,100 in 2026, compared to $1,159.60 (1.3% of $89,200) in 2025. Employees earning below the previous $89,200 wage base will see a direct reduction in their total annual contributions.
Employer Responsibilities
Employers are responsible for accurately deducting the TDI/TCI contributions from employee wages and remitting them to the Rhode Island DLT. While the contribution is employee-funded, employers must ensure correct calculation, timely remittance, and proper record-keeping. The DLT publishes annual guides and updates to assist employers in meeting these obligations.
Teambridge manages Rhode Island TDI/TCI deductions automatically.
With Teambridge, Rhode Island's unique TDI/TCI contribution changes for 2026 are handled seamlessly, ensuring accurate payroll deductions and compliance without manual intervention.
Automatic Rate Update
Teambridge automatically incorporates the 2026 TDI/TCI rate of 1.1% and the new $100,000 wage base into your Rhode Island payroll settings well in advance of January 1.
Precise Deduction Calculation
For every pay run, the system calculates the correct TDI/TCI deduction for each employee, applying the 1.1% rate to their taxable wages, up to the annual maximum.
Max Contribution Safeguard
Teambridge tracks year-to-date contributions for every employee, automatically stopping deductions once the $1,100 annual maximum is reached, preventing any over-collection.
Streamlined Compliance
All necessary data for quarterly and annual reporting to the Rhode Island DLT is compiled, simplifying your remittance process and ensuring regulatory adherence.
People also ask.
What is the Rhode Island TDI/TCI contribution rate for 2026?
For the calendar year 2026, the Rhode Island Temporary Disability Insurance (TDI) and Temporary Caregiver Insurance (TCI) employee contribution rate is 1.1% of taxable wages.
What is the taxable wage base for RI TDI/TCI in 2026?
The taxable wage base for Rhode Island TDI/TCI in 2026 is $100,000. This means only wages up to this amount are subject to the 1.1% contribution.
What is the maximum employee contribution for RI TDI/TCI in 2026?
The maximum annual employee contribution for Rhode Island TDI/TCI in 2026 is $1,100 (1.1% of the $100,000 taxable wage base).
Is the RI TDI/TCI contribution rate higher or lower in 2026 compared to 2025?
The 2026 contribution rate of 1.1% is lower than the 2025 rate of 1.3%. However, the taxable wage base has increased, which may result in different net effects depending on an employee's income level.
Who pays for Rhode Island TDI/TCI?
Rhode Island's TDI and TCI programs are funded entirely by employee contributions through payroll deductions. Employers are responsible for collecting and remitting these funds.
What is the difference between TDI and TCI?
TDI (Temporary Disability Insurance) provides wage replacement benefits for employees who are unable to work due to their own non-work-related illness or injury. TCI (Temporary Caregiver Insurance) provides benefits to employees who need to take time off to care for a seriously ill family member or to bond with a new child.