Being injured can really put a strain on your financial life. This is not only true if you are injured at work and are covered under Worker's Compensation but it is also true if you're injured elsewhere and are unable to collect any kind of compensation at all. Because of this, Rhode Island and a number of other states have set up funds that help individuals who work regularly, yet are injured off of the job to collect funds while they are out of work. This RI temporary disability insurance, or TDI can really help you to get along until you're feeling better.
Aside from the RI temporary disability insurance that is available, there are only four other states that also offer something that is similar. These include New York, New Jersey, California and Puerto Rico. It is funded by the workers in these various states in order to help protect everybody who works from losing their income while they are dealing with a serious injury.
As with any type of rule, there are exceptions to who can use the RI temporary disability insurance. These would include federal and state workers who happen to be living in the state of Rhode Island along with any self employed individuals who are not incorporated or working for a corporation. There may also be some rules having to deal with a temporary employee as well. There may be other stipulations that are included in the RI temporary disability insurance and you will need to contact their offices in order to get more information.
What can the RI temporary disability insurance do for you? In reality, it can give you peace of mind, knowing that regardless of the jobs that you are doing, you will be covered in case you have an injury. This does not include individuals who are injured on the job, which is something that is usually covered under Worker's Compensation, but it covers you in case you are injured anywhere provided you are working regularly at the time.
If you happen to be injured and live in Rhode Island, you should talk to some lawyers about the possibility of using the RI temporary disability insurance to get you by until you're back on your feet again. It can not only give you peace of mind, it can help you and your family to get by during a difficult time.
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