Temporary Disability Insurance Is A Respite For Disabled Workers


Temporary Disability Insurance program is designed to protect the wage loss of workers who are unable to work owing to a temporary, non-job related disability. The program is the first of its kind in United States and was first introduced way back in 1942. Apart from Rhode Island, only four other states offer such a program- California, Hawaii, New Jersey, and New York.

How to Apply For Temporary Disability Insurance (TDI) Benefits?
A copy of the application form is available on the website. However, you can also get a hard copy of the application form by calling up (401) 462-8420. The application would be posted to you by ordinary mail. Fill it up as soon as possible and then mail it back to the return address. Following this, a health examination would be conducted to verify whether you can not work for a minimum of 7 days. Once verification is complete, compensation would be awarded to you.

How Will You Receive Your Insurance Money?
There are two options available to you: Direct Deposit and Electronic Payment Card. If you want to choose Direct Deposit then you need to call (401)462-8420 to get a form. You can also download the form from the internet. If you do not choose Direct Deposit, you would be automatically provided with the option of Electronic Payment Card. This is more like a debit card that we usually use to carry out electronic financial transactions.

Is There An Option to Receive a Check?
Checks were earlier issued by the RI Department of Labor and Training. However, this practice has been discontinued and payments are made either through electronic payment cards or direct deposit.

How Long Would It Take For Transfer of Disability Benefits?
The Department of Labor & Training needs to first approve the case on the basis of monetary capability and health status of the individual who has filed for TDI. Once it conveys a formal approval, the benefits are transferred to the recipient within 48 hours. The first payment would be handed within 3-4 weeks of sending in an application. However, to avoid any further delays, applicants need to ensure that they provide full and correct information.

Who Can You Call If You Have Any Further Queries?
If you have any further queries, you can call a voice response system on (401) 462-8420. To talk to a customer care representative you need to call between 8.00 A.M.-3.50 P.M. from Monday to Thursday and between 9.00 A.M.-3.50 P.M. on Fridays. To get through the system you need to have your Personal Identification Number (PIN) handy. You would get this PIN in the Notice of Claim Received sent to you by the department.