Fifteen states take a mandatory payroll deduction from employees in 2026 for short-term disability insurance, paid family and medical leave, long-term care or unemployment insurance. On a $75,000 salary the employee’s total runs from $52.50 in Pennsylvania to $1,040 in Washington. California’s SDI is $975 (1.3% of all wages, with no cap since 2024). Rhode Island’s TDI is $825. The take-home pay calculator deducts every one of these for the metro you choose.
The 15 states and what they cost on $75,000 (2026)
Employee share only, from MoveMath’s 2026 payroll data compiled from state agencies.
| State | Program | Employee rate | Wage cap / annual max | On $75,000 |
|---|---|---|---|---|
| Washington | PFML + WA Cares | 0.8072% + 0.58% | PFML to $184,500; WA Cares no cap | $1,040 |
| California | SDI (includes Paid Family Leave) | 1.30% | No cap | $975 |
| Rhode Island | TDI (includes caregiver insurance) | 1.10% | $100,000 | $825 |
| Oregon | Paid Leave Oregon + statewide transit tax | 0.60% + 0.10% | Paid Leave to $184,500 | $525 |
| New Jersey | UI + DI + FLI + workforce fund | 0.3825% + 0.19% + 0.23% + 0.0425% | UI to $44,800; DI and FLI to $171,100 | $505 |
| Connecticut | CT Paid Leave | 0.50% | $184,500 | $375 |
| Maine | PFML | 0.50% | $184,500 | $375 |
| Hawaii | TDI | 0.50% | $7.50 a week max | $375 |
| New York | SDI + Paid Family Leave | 0.5% + 0.432% | SDI 60¢ a week; PFL $411.91 a year | $355 |
| Massachusetts | PFML | 0.46% | $184,500 | $345 |
| Colorado | FAMLI | 0.44% | $184,500 | $330 |
| Minnesota | Paid Leave | 0.44% | $185,000 | $330 |
| Delaware | Paid Leave, if the employer passes on half | up to 0.40% | — | $300 |
| Alaska | Unemployment insurance | 0.50% | $54,200 | $271 |
| Pennsylvania | Unemployment compensation | 0.07% | No cap | $52.50 |
Notes:
- Washington: the 2026 PFML premium is 1.13% of wages, and employees pay 71.43% of it (Washington ESD). That is 0.8072%, up to $1,489 a year. WA Cares adds 0.58% with no cap.
- New York: employers may take up to 0.5% of wages for disability insurance, but no more than 60 cents a week (NY Workers’ Compensation Board). Paid Family Leave is 0.432% of gross wages up to $411.91 a year, a cap reached at about $95,300 of pay (NY Paid Family Leave).
- Delaware: the employer owes the 0.8% contribution and may require employees to pay up to half. MoveMath assumes the employee half is deducted.
- New Jersey: the four lines total $505.40 at $75,000. The UI and workforce pieces stop at $44,800 of wages.
Washington: the largest total, despite no income tax
PFML: 0.8072% × $75,000 = $605. WA Cares: 0.58% × $75,000 = $435. Together that is $1,040 a year, and it keeps rising with pay because WA Cares has no cap: at $200,000 it is $2,649.
WA Cares benefits, up to $36,500 over a lifetime and rising with inflation, became available in July 2026 (WA Cares Fund). The one-time exemption for people who already had private long-term-care insurance closed at the end of 2022. Current voluntary exemptions cover workers who live out of state, military spouses, active-duty members with civilian jobs, and veterans with a 70% or higher service-connected disability.
California SDI: no wage cap since 2024
The 2026 SDI rate is 1.3%, and since January 1, 2024 all wages are subject to it (EDD). Senate Bill 951 removed the cap; in 2023 SDI applied only to the first $153,164 of wages. A Californian earning $200,000 now pays $2,600. The same deduction funds both disability insurance and California Paid Family Leave.
Rhode Island: highest rate among disability-only programs
Rhode Island’s TDI rate is 1.1% for 2026, down from 1.3% in 2025, on the first $100,000 of wages, so the maximum is $1,100 (RI DLT). Temporary Caregiver Insurance is part of TDI, not a separate deduction. It pays up to seven weeks to bond with a new child or care for a seriously ill family member.
What this means when comparing metros
For the same $75,000, MoveMath’s take-home in Seattle is $60,552, which is $1,040 less than Houston’s $61,593. Neither state taxes wages, so the whole gap is PFML and WA Cares. In Portland, Paid Leave Oregon ($450) and the transit tax ($75) add $525 on top of Oregon’s $5,059 income tax, for $56,009 of take-home.
These deductions buy coverage, including disability pay, paid parental leave and long-term-care benefits, that you would otherwise have to insure privately or go without. Count what they provide, not just what they cost.