Quick Answer
New Jersey TDI/FLI deductions total 0.47% of your gross wages in 2026 (0.17% for TDI, 0.30% for FLI) up to the wage base of $164,500. On a $75,000 salary, you pay about $352.50 annually or $13.56 per biweekly paycheck for both programs combined.
Best Answer
Sarah Chen, Payroll Tax Analyst
New Jersey employees who see TDI/FLI deductions on their paystub
What are New Jersey TDI and FLI deductions?
New Jersey requires two mandatory payroll deductions: TDI (Temporary Disability Insurance) at 0.17% and FLI (Family Leave Insurance) at 0.30% of your gross wages. Combined, you pay 0.47% of your salary up to the 2026 wage base of $164,500. This means the maximum annual deduction is $773.15 ($164,500 × 0.47%).
Example: $75,000 salary TDI/FLI calculation
Let's calculate the exact deductions for someone earning $75,000:
What TDI and FLI benefits provide
TDI (Temporary Disability Insurance):
FLI (Family Leave Insurance):
Key factors affecting your deductions
What you should do
Check your paystub to verify your TDI/FLI deductions match 0.47% of your gross pay. If you have multiple New Jersey employers or changed jobs, track your total wages to see if you'll hit the $164,500 wage base and stop paying mid-year. Use our paycheck calculator to see exactly how these deductions affect your take-home pay.
[Calculate your NJ paycheck with TDI/FLI →](paycheck-calculator)
Key takeaway: New Jersey TDI/FLI costs 0.47% of wages up to $164,500, providing disability and family leave benefits worth potentially thousands in weekly payments.
Key Takeaway: New Jersey TDI/FLI costs 0.47% of wages up to $164,500, providing disability and family leave benefits worth potentially thousands in weekly payments.
2026 New Jersey TDI/FLI rates and benefits comparison
| Program | Employee Rate | Max Weekly Benefit | Max Duration | Covers |
|---|---|---|---|---|
| TDI | 0.17% | $759/week | 26 weeks | Non-work illness/injury |
| FLI | 0.30% | $1,033/week | 12 weeks | Family care/bonding |
| Combined | 0.47% | Varies | 38 weeks max | Both programs |
More Perspectives
Sarah Chen, Payroll Tax Analyst
New graduates or first-time workers in New Jersey wondering about unfamiliar paycheck deductions
Understanding your first NJ paycheck deductions
If you're seeing "TDI" and "FLI" deductions on your New Jersey paycheck, don't worry — these are normal state-required deductions, not mistakes. Every New Jersey employee pays into these insurance programs.
Simple breakdown for new workers
What you pay:
Example on entry-level salary:
If you earn $45,000 at your first job:
What these programs do for you
Think of TDI/FLI as insurance you're buying through your paycheck:
These benefits can be worth thousands if you need them — much more than the small amount you pay in.
Why this matters for young workers
Even if you're healthy now, accidents happen. Having TDI means you won't lose all your income if you break a leg skiing or need surgery. FLI is especially valuable if you plan to have children someday.
Key takeaway: TDI/FLI deductions are small insurance premiums that provide valuable income protection for life events you can't predict.
Key Takeaway: TDI/FLI deductions are small insurance premiums that provide valuable income protection for life events you can't predict.
Sources
- NJ Department of Labor TDI Information — Official New Jersey TDI program details and rates
- NJ Department of Labor FLI Information — Official New Jersey FLI program details and benefits
Reviewed by Sarah Chen, Payroll Tax Analyst on February 28, 2026
This content is for educational purposes only and is not a substitute for professional tax advice. Consult a qualified tax professional for advice specific to your situation.