State Disability Insurance Calculator

Estimate state disability insurance benefits by state and income.

By Konstantin Iakovlev · Updated April 2026 · Source: Benefits.gov

$

Weekly Benefit

$1,050.00

Max Duration

52 weeks

SDI/TDI Details

Replacement Rate70%
Weekly Benefit$1,050.00
Duration52 weeks
Total Benefit$54,600.00

California pays 70% wage replacement. Workers earning $1,252.00/week or less (70% of the state average weekly wage) qualify for the higher 90% rate under SB 951.

Use the State Disability Insurance Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

If a non-work injury or illness leaves you temporarily unable to earn a paycheck, state disability insurance can replace part of your lost wages. This estimator draws on 2026 program data from the states that run such coverage, including California, New Jersey, New York, Hawaii, Rhode Island, and Puerto Rico, to give you a sense of the income support you might expect. Knowing the size of that safety net ahead of time makes it easier to prepare for an unexpected gap in earnings.

Each state applies its own formula to your reported wages to arrive at a weekly benefit amount (WBA). In California, for instance, the WBA runs roughly 60 to 70% of the average weekly wages you earned 5 to 18 months before your disability began, capped at a 2026 maximum of $1,650 per week. The calculation generally keys off your highest-earning quarter within a defined base period.

An estimate is not an approval: your actual payout hinges on your state's review of the specific claim. Note too that many programs impose a waiting period, often 7 days, before any benefit is paid. Depending on your state and your federal tax situation, some of these benefits may count as taxable income.

Example: California SDI Estimation

  1. 1 Input: Select 'California' as your state. Enter an average weekly wage of $1,800. Indicate a disability start date in late 2026.
  2. 2 Calculation: The calculator identifies that for California, the WBA is 60-70% of average weekly wages, up to a maximum. For $1,800/week, 70% is $1,260. Since this is below the 2026 maximum of $1,650, the full percentage applies.
  3. 3 Result: Your estimated weekly SDI benefit for California is $1,260.
  4. 4 Context: This $1,260 weekly benefit would be paid after a 7-day waiting period, for a maximum duration of 52 weeks. This estimate helps you understand how much of your $1,800 weekly income is replaced by CA SDI during a temporary disability.

Source: Benefits.gov · Last updated: April 2026

Frequently Asked Questions

Which states have disability insurance programs?
Five states plus one territory have mandatory SDI programs: California, Hawaii, New Jersey, New York, Rhode Island, and Puerto Rico. These programs provide partial wage replacement for workers who cannot work due to non-work-related illness or injury.
How much does state disability insurance pay?
Benefits typically replace 55-70% of weekly wages up to a state maximum. California pays about 60-70% up to around $1,620/week, New York pays up to $170/week, and New Jersey pays about 85% up to around $1,025/week. Duration is usually up to 26-52 weeks.
Who pays for state disability insurance?
In most states, SDI is funded through employee payroll deductions (a small percentage of wages). In some states like New York, both employers and employees contribute. The cost is typically less than 1% of wages up to a taxable wage base.

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