If you’re expecting and planning for maternity leave, Hawaii’s Temporary Disability Insurance (TDI) can help you get partial pay if you can’t work due to pregnancy. Here’s a simple guide to help you understand how to apply for TDI, what benefits you may receive, and what steps you need to take to get started.
1. How to Apply for TDI in Hawaii
Getting TDI involves filling out a form, but don’t worry—just follow these steps:
- Tell Your Employer: Let your employer know as soon as you think you’ll need TDI.
- Get Form TDI-45: Ask your employer for the claim form (Form TDI-45). If they don’t have it, contact Hawaii’s Disability Compensation Division (DCD) at (808) 586-9188 or check your local DCD office.
- Fill Out Part A: This is the section where you, the employee, fill in your personal information.
- Visit Your Doctor: Bring the form to your doctor to fill out Part C, which verifies your condition.
- Submit the Form: Once Parts A and C are complete, submit the form to your employer or their insurance carrier.
Tip: Make sure to file your claim within 90 days of the start of your disability (like your due date) to avoid delays.
2. How Long It Takes to Get Your First TDI Payment in Hawaii
After filing, here’s how long it typically takes to get your first TDI payment:
- One-Week Waiting Period: Hawaii law requires you to wait seven days from the start of your disability (or due date).
- Processing Time: Once approved, your payment should arrive within 3-5 business days after the waiting period.
So, from the time you apply, you’re likely looking at a little over a week before your first check arrives.
3. How Much Do You Get for TDI in Hawaii?
Your TDI benefit amount is based on your average pay:
- Standard Rate: TDI usually pays 58% of your average weekly wage.
- Maximum Amount: The maximum weekly benefit is $640 as of 2024, depending on your income.
If your employer offers a different plan, check with them for specific details, as some plans offer different payment amounts.
4. Who Qualifies for TDI Benefits in Hawaii?
To qualify for TDI in Hawaii, make sure you meet these basic conditions:
- Work History: You’ve worked in Hawaii at least 14 weeks (at least 20 hours per week and made at least $400 during that time).
- Disability Not Work-Related: Your disability (like pregnancy) isn’t from a work injury.
- Doctor’s Note: A licensed doctor needs to confirm that you can’t work.
- Recent Employment: You must be currently employed or have been employed within the last two weeks before your disability starts.
Note: Federal employees and some other types of workers are not covered. If you’re not sure, you can find more info here.
Additional Resources
Here are some links for further information and support:
- Hawaii Disability Compensation Division (DCD)
- Pacific Guardian TDI Claims Processing
- Instructions for Completing the TDI Claim Form
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