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New Jersey SDI and FLI

New Jersey runs two state insurance programs funded by separate employee-paid payroll premiums: Temporary Disability Insurance (TDI, often labeled SDI on stubs) and Family Leave Insurance (FLI). Both funded by small percentages of wages, both capped annually.

PayslipIQ provides educational information and estimated calculations only. It does not provide tax, legal, financial, accounting, employment, benefits, or payroll advice. PayslipIQ is not a CPA firm, law firm, financial advisor, payroll provider, or tax authority. Always verify your paycheck, deductions, withholdings, and tax position with your employer's payroll department, a qualified CPA, the IRS, your state tax authority, or another appropriately qualified professional. Calculations are estimates; your actual paycheck may differ based on factors specific to your employer, location, benefits elections, and personal tax situation.

Two separate premiums

  • NJ TDI/SDI: short-term disability for the worker.
  • NJ FLI: family leave to care for others or bond with a new child.

The rates

Both are small percentages of wages with annual caps. Set annually by NJ Department of Labor. Verify current values at myleavebenefits.nj.gov.

Benefit amounts

Roughly 85 percent of average weekly wage, capped at a statewide maximum. Specific replacement rate is set by NJ.

Stub labels

Common: NJ SDI, NJ TDI, NJ FLI.

Authoritative source

NJ Department of Labor: My Leave Benefits

Frequently asked questions

What is NJ TDI?
Temporary Disability Insurance. Short-term disability benefits for NJ workers, funded by employee-paid payroll premiums. Often labeled SDI on stubs.
Is NJ FLI separate from NJ TDI?
Yes, two separate programs with separate premiums. TDI covers your own disability. FLI covers leave to care for someone else.
Are the premiums capped?
Yes, both have annual caps set by the NJ Department of Labor. Verify current values at myleavebenefits.nj.gov.

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