Massachusetts Disability Insurance Calculator
2026Calculate state disability insurance (SDI/TDI) benefits in Massachusetts. Massachusetts does not have a state disability insurance program. Only 5 states (CA, HI, NJ, NY, RI) plus Puerto Rico offer mandatory SDI/TDI.
Written and reviewed by Konstantin Iakovlev · Methodology · Updated
About this tool: Massachusetts has no state SDI program. The paycheck calculator below estimates your take-home pay; private short-term disability insurance typically replaces 40–70% of gross income (premiums 1–3% of salary). Multiply your projected gross by your private policy's replacement rate to estimate your monthly DI benefit.
Net Pay (Bi-Weekly)
$2,224.71
Annual Take-Home
$57,842.50
Total Tax (Annual)
$17,157.50
Paycheck Breakdown (Bi-Weekly)
| Gross Pay | $2,884.62 |
| Federal Income Tax | - $295.00 |
| Social Security (6.2%) | - $178.85 |
| Medicare (1.45%) | - $41.83 |
| Massachusetts State Tax | - $144.23 |
| Net Pay | $2,224.71 |
Annual Summary
| Gross Annual Income | $75,000.00 |
| Federal Income Tax | - $7,670.00 |
| FICA (SS + Medicare) | - $5,737.50 |
| Massachusetts State Tax (estimate) | - $3,750.00 |
| Total Deductions & Tax | - $17,157.50 |
| Annual Take-Home Pay | $57,842.50 |
| Monthly Take-Home | $4,820.21 |
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 does disability insurance work in Massachusetts?
Massachusetts does not have a state disability insurance (SDI/TDI) program. Only California, Hawaii, New Jersey, New York, Rhode Island, and Puerto Rico currently mandate state disability insurance (DC has paid family leave but no SDI). Workers in Massachusetts may obtain private disability coverage through their employer or individual policies.
Massachusetts disability insurance: program, contribution, max benefit
- Program name
- None (PFML covers medical leave)
- Max weekly benefit (2026)
- N/A
- Contribution structure
- No separate SDI
Massachusetts has no separate SDI program — PFML (above) covers serious health conditions. Workers needing short-term disability benefits for non-PFML conditions rely on employer-provided STD insurance.
Massachusetts Key Rates & Limits (2026)
| State Disability Insurance (SDI) | No state program |
| Paid Family Leave | Yes |
| State Income Tax | 5% (flat) |
| Minimum Wage | $15/hr |
Massachusetts disability insurance — frequently asked questions
How much does disability insurance cost?
Individual long-term disability insurance costs 1-3% of your annual income. A $100,000 earner pays $1,000-$3,000/year for a policy replacing 60% of income. Rates depend on age, health, occupation, and benefit period.
What does disability insurance cover?
Disability insurance replaces 50-70% of your pre-disability income if you cannot work due to illness or injury. "Own occupation" policies pay if you cannot do your specific job, while "any occupation" policies only pay if you cannot do any job.
Do I need disability insurance if I have employer coverage?
Employer group disability typically replaces only 60% of base salary (not bonuses) and benefits are taxable if the employer pays the premium. Supplemental individual coverage fills the gap and provides portable, non-cancellable protection.