State paid leave and disability contribution calculator

How to use it

1. State. The list has every state and D.C. with a mandatory paid family and medical leave program or a state disability insurance program: California, Colorado, Connecticut, Delaware, D.C., Hawaii, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New York, Oregon, Rhode Island, Virginia and Washington. Maryland and Virginia are included although they are not collecting yet. A state that is not listed had no such mandate in our state guides as of October 2026.
2. Annual wages per employee, as the program defines wages.
3. Employees in the program. Size thresholds decide whether an employer share is owed: 10 or more in Colorado, 15 in Maine and Maryland, 25 in Massachusetts and Oregon, and 50 in Washington. Each program counts employees its own way. Maine counts Maine employees, and Maryland includes out-of-state workers.
4. Minnesota asks whether you qualify for the small-employer rate, and New Jersey for your assigned employer TDI rate.

The math

For each program line, contribution = rate × wages up to the wage cap. The per-employee figure is then multiplied by the number of employees, which assumes everyone earns the same. Some 2026 examples from the state agencies:

• California SDI: 1.3% of all wages, no cap, employee-paid.
• Colorado FAMLI: 0.88% up to the Social Security wage base ($184,500 in 2026), split 0.44% and 0.44%. With nine or fewer employees there is no employer share.
• Massachusetts PFML: 0.70% medical plus 0.18% family, up to the wage base. With 25 or more covered individuals you may withhold up to 40% of the medical share and all of the family share (0.46%), so you pay at least 0.42%.
• New Jersey: TDI of 0.19% employee on the first $171,100, plus your assigned employer rate of 0.10% to 0.75% on the first $44,800. FLI is 0.23% employee only.
• New York: the employee may pay up to 0.5% of wages, at most $0.60 a week, toward disability benefits. Paid Family Leave is 0.432% of wages, up to $411.91 a year.
• Washington: 1.13% up to $184,500, 71.43% employee and 28.57% employer (50 or more employees), plus the WA Cares premium of 0.58% of all wages, employee-paid.

Where the law lets you withhold "up to" a share, the employee column is the most you may withhold and the employer column is the least you pay. Hypothetical: 30 employees in Oregon at $60,000 each owe 1% of $60,000 = $600 a head, of which employees pay $360 and you pay $240. That is $7,200 a year from you.

Every rate, cap and date comes from our state guides, which cite the agency for each figure, and each result lists its source. Where a figure is not in those guides, the tool says so instead of guessing:

• Delaware funds its program at "less than 1%" of wages, so it shows "rate not published here — check the agency."
• Virginia's rate will not be set until October 2027.
• Hawaii's and New York's disability premiums are priced by the insurer, so only the employee's maximum is shown.
• Maine's and D.C.'s wage caps are not in our guides, so they are computed on all wages entered.
• Minnesota's split at the 0.66% small-employer rate is not shown.

Status

Each state shows whether contributions and benefits have started. Maryland collects from January 1, 2027 and pays from January 1, 2028. The tool shows a 2027 preview that is kept out of the 2026 totals. Virginia collects from April 1, 2028 and pays from December 1, 2028. Maine paid benefits only for leave on or after May 1, 2026. Delaware began claims on January 1, 2026.

Assumptions and limits

• Rates change every year. The agency's current rate sheet controls. Check it before setting payroll.
• Private plans. Many programs let employers use an approved private or insured plan, which changes who pays what.
• Not tax or legal advice. The tool does not cover tax treatment, local ordinances or paid sick leave laws.

Read state disability and paid family leave programs: every mandate in 2026 for how the programs compare, and group short- and long-term disability insurance for employers for income protection beyond the state benefit. The workers' comp and benefits requirements by state shows each state's program alongside its workers' comp rules.