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Insured Hawaii Temporary Disability Insurance (TDI)

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Insured Hawaii Temporary Disability Insurance

Hawaii Temporary Disability Insurance (TDI) provides partial “wage replacement” insurance coverage to their eligible employees for nonwork-related injury or sickness, including pregnancy.

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Information presented below as of 1/1/2022

Effective Date

  • Effective 1969: Temporary Disability Insurance (TDI)

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Plan Features

Insured Hawaii temporary disability insurance plan features
specific features you may inquire about relevant information
Covered Employer Employers subject to TDI Law are required to provide a minimum level of coverage in compliance with statutory guidelines.
Eligibility
  • An employee is eligible for Hawaii TDI if they have been employed at least 14 weeks of Hawaii employment during each of which the employee was paid 20 hours or more and earned not less than $400 in the 52 weeks preceding the first day of disability. The 14 weeks need not be consecutive nor with only one employer.
  • New hires may be eligible on their first day worked because “covered” employment includes service provided to a former “covered” employer.
  • Excluded from coverage are federal government employees, certain domestic workers, insurance agents and real estate sales people paid solely on commission, individuals under 18 years old in the delivery/distribution of newspapers, certain family employees, student nurses, interns, and workers in other categories specifically exempted by the law.
Waiting Period
  • 7 days for accident and sickness
Benefit Percentage
  • 58% of employee’s weekly wage (rounded to the next higher multiple of $1.00)
Weekly Benefit
  • If average weekly wage is less than $26.00, the statutory TDI benefit is the average weekly wage but not more than $14.00
Maximum Weekly Benefit
  • $697
Maximum Duration
  • 26 weeks
Standard Maternity Guideline
  • Treated as any other sickness or injury. Hawaii does not publish standard duration guidelines for maternity.
Exclusions
  • Occupational injuries
  • Self-inflicted injuries
  • Perpetration of a criminal act

No benefits are payable while the employee is receiving Unemployment Benefits, Workers’ Compensation, or any indemnity payments for wage loss under any applicable employers’ liability law.

Recurrent Disability
  • Periods of disability separated by 2 weeks or less of active work will be treated as the same disability.
  • Periods of disability separated by more than 2 weeks of active work will be treated as separate claims.
  • After return to work, a new period of disability caused by a different medical condition will be treated as a new claim.
Post-termination coverage
  • 14 days
  • Benefits are payable by the employee’s last employer for disabilities which commence within 14 days of their last day worked unless the employee becomes subsequently employed/covered.
Contributions
  • Employers can offer TDI on a non-contributory or contributory basis. If the plan is contributory, the TDI law indicates that employees can only be asked to contribute up to half of the premium cost but no more than 0.5% of the average weekly wage, not to exceed a weekly maximum of $6.00.

NOTE: Contributions are calculated as a percentage of taxable wage, not premium.

Private Plan Options
  • No State Plan available
Prudential Plans Available
  • Insured Temporary Disability Insurance
Additional Information http://labor.hawaii.gov/dcd/

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Need More Information?

Visit Hawaii’s TDI website opens in a new window for more details and to read the regulations.

Please contact your Prudential representative with questions.

The Prudential Insurance Company of America (Prudential), Newark, NJ

For Compliance Use Only: GL.2019.277

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