Key Takeaways
- Rhode Island Temporary Disability Insurance (TDI) provides short-term benefits
- TDI covers partial wage replacement during disability
- Long-term care insurance requires specific disclosures
- LTC policies must offer inflation protection options
- Rhode Island participates in Long-Term Care Partnership Program
Last updated: January 2026
Rhode Island Disability and Long-Term Care Insurance
Rhode Island has both mandatory state disability coverage and regulations for private long-term care insurance.
Rhode Island Temporary Disability Insurance (TDI)
Rhode Island has a mandatory state disability program:
TDI Coverage
| Feature | Detail |
|---|---|
| Who's Covered | Most Rhode Island employees |
| Funding | Employee payroll deductions |
| Benefit Amount | Partial wage replacement |
| Duration | Up to 30 weeks |
| Waiting Period | 7 days (illness) |
Related Programs
- Temporary Caregiver Insurance (TCI) - Up to 6 weeks for family care
- Both programs funded through same payroll deduction
- Covers bonding with new child, caring for ill family member
Exam Tip: Rhode Island was one of the first states to have a temporary disability insurance program and later added caregiver benefits.
Individual Disability Insurance
Free Look Period
- 10-day free look for disability insurance policies
- Policyholder can return for full premium refund
Required Policy Provisions
| Provision | Requirement |
|---|---|
| Grace Period | Minimum 31 days |
| Reinstatement | Must allow within specified period |
| Notice of Claim | 20 days after loss begins |
| Time to Pay Claims | 30 days after proof of loss |
Long-Term Care Insurance
Free Look Period
- 30-day free look for LTC policies
- Full refund of premiums if returned
Required Provisions
| Provision | Requirement |
|---|---|
| Renewability | Must be guaranteed renewable |
| Pre-existing Conditions | Maximum 6-month look-back |
| Inflation Protection | Must offer option |
| Nonforfeiture | Must offer option |
Rhode Island Partnership Program
Rhode Island participates in the Long-Term Care Partnership Program:
- Purchase a Partnership-qualified LTC policy
- Use benefits for care
- If benefits exhaust, apply for Medicaid
- Asset protection - Keep assets equal to benefits received
Test Your Knowledge
What is the maximum duration of Rhode Island Temporary Disability Insurance (TDI) benefits?
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Test Your Knowledge
How long is the free look period for long-term care insurance in Rhode Island?
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Test Your Knowledge
What is the primary benefit of the Rhode Island Long-Term Care Partnership Program?
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