New Jersey Disability Insurance Calculator
2026Calculate state disability insurance (SDI/TDI) benefits in New Jersey. New Jersey has a state disability program with a 0.19% contribution rate.
Written and reviewed by Konstantin Iakovlev · Methodology · Updated
About this tool: New Jersey has a state SDI program funded by payroll deductions. The calculator below uses New Jersey paycheck data to show your gross-to-net flow, including the SDI contribution line. Use the SDI rate and wage cap on this page to estimate your benefit if you need to file a claim.
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 |
| New Jersey 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 |
| New Jersey 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 New Jersey?
New Jersey has a mandatory State Disability Insurance (SDI) program. Workers contribute 0.19% of their wages up to $171,100 in annual wages. Benefits provide partial wage replacement for non-work-related illness, injury, or pregnancy.
New Jersey disability insurance: program, contribution, max benefit
- Program name
- NJ Temporary Disability Insurance (TDI)
- Max weekly benefit (2026)
- $1,081/week (85% of AWW)
- Contribution structure
- Employee 0.23% + employer experience-rated; 2026 wage cap $176,100
NJ TDI (since 1948 — one of the oldest state SDI programs) provides up to 26 weeks of partial wage replacement for non-work-related disability including pregnancy. Employee contribution is 0.23% on first $176,100 of wages for 2026; employer contribution is experience-rated. 2026 maximum weekly benefit is $1,081 (85% of AWW). Private-plan alternatives are permitted with state approval — many large employers self-insure.
New Jersey Key Rates & Limits (2026)
| State Disability Insurance (SDI) | Yes (0.19%) |
| SDI Wage Cap | $171,100 |
| Paid Family Leave | Yes |
| State Income Tax | progressive (up to 10.8%) |
| Minimum Wage | $15.92/hr |
New Jersey 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.