State Disability Insurance Calculator

Estimate state disability insurance benefits by state and income.

By Konstantin Iakovlev · Updated September 2026 · Source: California EDD — Disability Insurance Benefit Payment Amounts

$

Weekly Benefit

$1,127.00

Max Duration

52 weeks

SDI/TDI Details

Replacement Rate75%
Weekly Benefit$1,127.00
Duration52 weeks
Total Benefit$58,604.00

Your wages fall in the flat band of California's SB 951 schedule. It pays 90% of weekly wages up to $1,252.30 a week, then holds the benefit at $1,127 (63% of the state average weekly wage) up to $1,610.10 a week, and pays 70% of wages above that, up to $1,765.

Use the State Disability Insurance Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

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 It Works

If a non-work injury or illness leaves you temporarily unable to earn a paycheck, state disability insurance can replace part of your lost wages. This estimator draws on 2026 program data from California, New Jersey, New York, Hawaii and Rhode Island to give you a sense of the income support you might expect; Puerto Rico also runs a program but is not included. Knowing the size of that safety net ahead of time makes it easier to prepare for an unexpected gap in earnings.

Each state applies its own formula to your reported wages to arrive at a weekly benefit amount (WBA). In California, SB 951, in effect for claims filed on or after January 1, 2025, pays 90% of wages to workers earning at or below 70% of the state average weekly wage. Above that line the benefit does not drop straight to 70%: it holds at 63% of the state average weekly wage, a flat $1,127 in 2026, until 70% of wages overtakes it. For 2026 the 90% tier ends at $16,279.90 of highest-quarter earnings, about $1,252 a week; the flat $1,127 runs to $20,931.30, about $1,610 a week; and above that 70% of wages applies, up to the $1,765 maximum weekly benefit. The calculation generally keys off your highest-earning quarter within a defined base period.

An estimate is not an approval: your actual payout hinges on your state's review of the specific claim. Note too that many programs impose a waiting period, often 7 days, before any benefit is paid. Depending on your state and your federal tax situation, some of these benefits may count as taxable income.

Example: California SDI Estimation

  1. 1 Input: Select 'California' as your state. Enter weekly earnings of $1,800 (highest-quarter wages divided by 13).
  2. 2 Calculation: at $1,800 a week this worker is past both the SB 951 breakpoint of roughly $1,252 a week and the end of the flat $1,127 band at about $1,610, so 70% of wages applies. 70% of $1,800 is $1,260, which is above the $1,127 floor and below the 2026 maximum of $1,765, so $1,260 is paid.
  3. 3 Result: Your estimated weekly SDI benefit for California is $1,260.
  4. 4 Context: This $1,260 weekly benefit would be paid after a 7-day waiting period, for a maximum duration of 52 weeks. This estimate helps you understand how much of your $1,800 weekly income is replaced by CA SDI during a temporary disability.

Source: California EDD — Disability Insurance Benefit Payment Amounts · Last updated: September 2026

Frequently Asked Questions

Which states have disability insurance programs?
Five states plus one territory have mandatory SDI programs: California, Hawaii, New Jersey, New York, Rhode Island, and Puerto Rico. These programs provide partial wage replacement for workers who cannot work due to non-work-related illness or injury.
How much does state disability insurance pay?
Replacement rates run from 50% to 90% of weekly wages, up to a state maximum. California pays 90% to lower earners, a flat $1,127 from the SB 951 breakpoint (about $1,252 a week) until 70% of wages overtakes it at about $1,610, then 70%, capped at $1,765 a week for up to 52 weeks; New Jersey pays 85% up to $1,119 a week for 26 weeks; Rhode Island 60% up to $1,103 for 30 weeks; Hawaii 58% up to $871 for 26 weeks; and New York, whose cap has not moved in decades, 50% up to just $170 a week.
Who pays for state disability insurance?
In most states, SDI is funded through employee payroll deductions (a small percentage of wages). In some states like New York, both employers and employees contribute. Rates vary by state: California withholds 1.3% of wages in 2026 and, since January 1, 2024, applies it to all wages with no ceiling.

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