Rhode Island Temporary Caregiver Insurance (RI TCI)

Group Benefits
Paid Family and Medical Leave (PFML) laws are expanding in states across the country. The federal Family and Medical Leave Act (FMLA) of 1993 guarantees eligible employees up to 12 weeks of leave without the threat of losing their benefits or their job. But the FMLA’s protection is limited: it assures only unpaid leave, which many workers can’t afford, and applies only to businesses with 50 or more employees.
 
Rhode Island Temporary Caregiver Insurance (RI TCI) was passed in 2013 and went into effect January 2014. RI TCI expanded Rhode Island Disability Insurance (TDI) – which was enacted in 1942.
 
This is an ongoing series of updates on Paid Family and Medical Leave developments – so you can be prepared to fulfill all mandated requirements. This release features highlights for the state of Rhode Island, which was one of the first states to pass Paid Leave laws.
 
With few exceptions, all employers are required to participate in the state program.
Here’s what you need to know about RI TCI and RI TDI.
Frequently Asked Questions
  • Bond with a newborn, adopted or foster child in the first 12 months of parenting for TCI.
  • Care for a seriously ill child, parent, spouse, domestic partner, parent-in law or grandparent for TCI.
  • Treatment and recovery from non-work related illness or injury.
  • A maximum of 30 total weeks under RI TDI
  • A maximum of four weeks of benefits under RI TCI – which will reduce RI TDI
  • Effective 1/1/19, $852.00/week is the maximum benefit rate and the minimum benefit rate is $98.00/week.
  • Weekly benefit is 4.62 percent the employee was paid in the highest quarter of their Base Period – the first four of the last five completed calendar quarters before the starting date of their new claim.
  • There is a dependency allowance limited to five dependents. The allowance is equal to the greater of $10 or 7 percent of the benefit rate.
  • RI TDI and RI TCI are financed entirely by payroll deductions.
  • Employees are taxed at 1.1 percent of their pay up to $71,000.
To be eligible for RI TDI and RI TCI benefits, employees must have earned wages in Rhode Island and paid into the TDI/TCI fund for a year or more. For claims filed in 2019, employees must have been paid at least $12,600 in the Base Period for the claim or at least $2,100 in one of the base period quarters.
 
The Base Period is the first four of the last five completed calendar quarters before the start of a claim. The last four completed calendar quarters before the starting date of a claim may also be used as an Alternative Base if an employee is not eligible using Base Period earnings.
 
Workers aged 14 and 15 are exempt from wage deductions and coverage.
Exceptions include federal, state, and some municipal employers as well as partners and non-incorporated self-employed workers.
 
Out-of-state companies with employees working in RI must contact the RI Division of Taxation, Employer Tax Unit at 1-401-574-8700 to register.
RI TDI and RI TCI do not allow employers to opt out of the state program. Private and self-funded plans are not an option. Private Disability insurance can complement RI TDI and RI TCI to fill gaps in pay and leave duration.
Please reach out to your representative at The Hartford for additional information or have an employee benefits representative from The Hartford contact you.
 
 
7510 NS 06/19
This informational material is subject to change as we continue to receive guidance from each state. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to your business practices, and the views and recommendations contained herein shall not constitute our undertaking on your behalf, or for the benefit of others, to determine or warrant that your business operations are in compliance with any law, rule, or regulation. Those seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors.
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