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Temporary Disability Insurance (TDI)
What Is TDI?
Temporary Disability Insurance (TDI) is a type of insurance that provides some of your employee’s wages if they can’t work because of sickness, injury, or pregnancy. Unlike workers’ compensation, which only covers on-the-job injuries, TDI covers health conditions or injuries that happen outside of work. It helps your employees manage their bills when they can’t earn their usual paycheck, giving them support during tough times.
Why TDI Matters
Life is unpredictable, and employees may find themselves unable to work due to personal illness or injury. TDI makes sure they still get some money while they recover, helping them pay for daily expenses like rent, groceries, and other essentials. It’s peace of mind for both you and your team.
What Does TDI Include?
TDI provides partial wage replacement when employees are unable to work for a temporary period. Here’s what it covers:
- Lost Wages: TDI gives your employees a portion of the wages they would have earned if they were able to work. This is usually a percentage of their regular paycheck.
- Non-Work-Related Issues: TDI covers non-work-related injuries and illnesses, such as an off-the-job accident, surgery recovery, or maternity leave.
- Short-Term Coverage: TDI is designed to cover short-term disability, meaning employees will receive benefits for a limited time, depending on the situation.
TDI in Hawaii
In Hawaii, businesses are required by law to offer TDI to employees. Teshima Insurance Group can guide you through the process of selecting the best plan for your business, ensuring you stay compliant while giving your employees the protection they need.
Teshima Insurance Group
Your Trusted Partner in Insurance
We offer a menu of services, including group health insurance, retirement medical plans, employee and executive benefit plans, and temporary disability insurance (TDI).
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We’re here to help! Whether you have questions about our services or are ready to get started, our team at Teshima Insurance Group is just a message away. Reach out to us by phone, email, or through our online form, and one of our friendly agents will assist you with your insurance needs.
