State Disability Insurance Calculator

Estimate state disability insurance benefits by state and income.
$

Weekly Benefit

$900.00

Max Duration

52 weeks

SDI/TDI Details

Replacement Rate60%
Weekly Benefit$900.00
Duration52 weeks
Total Benefit$46,800.00

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

Our State Disability Insurance Calculator helps you estimate potential benefits if you become temporarily disabled and unable to work. This tool is crucial for financial planning, providing insight into the income replacement you might receive from state programs like those in California, New Jersey, New York, Hawaii, Rhode Island, and Puerto Rico, based on 2026 data. Understand your safety net and plan for unexpected life events with greater confidence.

The calculator determines your estimated weekly benefit amount (WBA) by applying the specific state's SDI formula to your reported income. For example, in California (CA SDI), the WBA is approximately 60-70% of your average weekly wages earned 5 to 18 months before your disability began, up to a maximum weekly benefit of $1,650 for 2026. This calculation typically considers your highest-earning quarter within a base period.

Remember, estimated benefits are not guaranteed; actual payouts depend on your state's final approval and specific claim details. A common mistake is not understanding the waiting period (often 7 days) before benefits begin. Also, be aware that benefits may be taxable income depending on your state and federal tax situation.

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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