FAQs

Temporary Disability Insurance (TDI) is a “wage replacement” program that pays benefits to partially replace lost wages due to off-the-job sickness or injury (including pregnancy). With few exceptions, all employers in Hawaii with one or more employees (full-time, part-time or temporary) are required to provide disability benefits for its employees.

Pacific Guardian Life offers Temporary Disability Insurance to employers insuring employees residing in Hawaii; this plan may not be available to employees residing on the mainland. Pacific Guardian Life makes no representations regarding an employer’s legal obligations under Federal or State employment and other applicable laws. Employers should contact their legal advisors for further information and advice regarding compliance with such laws. Pacific Guardian Life plans comply with applicable state laws. In some cases, state laws require amendments to the benefits described above. This is an outline and summary of standard plan provisions, but does not reflect all state variations. The employer will be given certificates for distribution to each insured employee who describes their plan in detail. This is not the summary plan description required of certain employers by ERISA.