Temporary Disability Insurance Texas: 2023 Essential Guide

What is Temporary Disability Insurance (TDI)?

Temporary disability insurance (TDI) is a type of insurance that provides financial support to employees who are unable to work due to a non-work-related disability. TDI benefits can help cover lost wages, medical expenses, and other costs associated with a disability.

Who is Eligible for TDI in Texas?

In Texas, employees are eligible for TDI benefits if they:

• Are employed by a Texas employer with at least three employees
• Have worked for their employer for at least 90 days
• Have paid into the TDI program through payroll deductions

What is the Waiting Period for TDI Benefits?

There is a seven-day waiting period for TDI benefits in Texas. This means that benefits will not begin until the eighth day of disability.

How Much Are TDI Benefits?

TDI benefits in Texas are calculated based on the employee's average weekly wage. The maximum weekly benefit amount is $521.

How Long Can I Receive TDI Benefits?

TDI benefits can be received for up to 26 weeks per disability. However, the total amount of benefits that can be received over a lifetime is limited to $30,000.

How Can I Apply for TDI Benefits?

To apply for TDI benefits, employees must submit a claim form to the Texas Workforce Commission (TWC). The claim form can be found on the TWC website.

What is the Appeal Process for TDI Claims?

If an employee's TDI claim is denied, they can appeal the decision. The appeal process involves filing an appeal with the TWC within 15 days of the denial.

FAQs About Temporary Disability Insurance

1. What if I am disabled for more than 26 weeks?
   - Employees who are disabled for more than 26 weeks may be eligible for Social Security Disability Insurance (SSDI).

2. What if I am injured at work?
   - Injuries that occur at work are not covered by TDI. Employees who are injured at work should file a workers' compensation claim.

3. Can I get TDI benefits if I am self-employed?
   - Self-employed individuals are not eligible for TDI benefits. However, they may be able to purchase private disability insurance.

4. How can I find out more about TDI?
   - More information about TDI in Texas can be found on the TWC website.

5. Can I still receive unemployment benefits if I am receiving TDI benefits?
   - No, you cannot receive unemployment benefits while you are receiving TDI benefits.

6. What if I am a student?
   - Students are not eligible for TDI benefits.

7. What if I am a federal employee?
   - Federal employees are not eligible for TDI benefits.

8. What if I am a member of the military?
   - Active duty military members are not eligible for TDI benefits.