Rhode Island Disability Insurance laws & HR compliance analysis

Rhode Island Disability Insurance: What you need to know

Under the Rhode Island Temporary Disability Insurance Act, employers must provide temporary disability insurance (TDI) to compensate for wages lost as a result of disabilities caused by off-the-job accidents or illnesses (RI Gen. Laws Sec. 28-39-1 et seq.). The law applies to employers with at least one employee during part of a day in the current or preceding calendar year. Certain governmental entities may elect coverage.
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Employees are “sick” when they are unable to perform their normal duties because of their physical or mental condition, including pregnancy (RI Gen. Laws Sec. 28-39-2).
Employees pay the full cost of disability insurance. Each year, the withholding rates are subject to change. The current withholding rate can be located at www.dlt.ri.gov. Employers must forward withheld amounts quarterly by the last day of the month following the end of each quarter. Private insurance is not allowed.
Weekly benefits are 4.62 percent of the claimant's wages during the highest-paid quarter of the base period. Individuals with dependent children less than 18 years of age (or handicapped children over the age of 18), may be entitled to a dependency allowance. The dependency allowance is limited to five dependents and is equal to the greater of $10 or seven percent of an individual’s benefit rate.
If an individual returns to work or recuperates in the middle of a week, he or she may be paid a lag payment. The lag payment would be 1/5 of the individual's benefit rate for each workday he or she normally works.
Benefits are paid for a maximum of 30 weeks.
Partial return to work. An individual may collect TDI benefits while returning to work on ...

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