Key Takeaways
- Hawaii requires a 10-day free look period for disability insurance policies
- Long-term care insurance has a 30-day free look period in Hawaii
- Hawaii has Temporary Disability Insurance (TDI) program
- LTC policies must offer inflation protection options
Last updated: January 2026
Hawaii Disability and Long-Term Care Insurance
Hawaii has specific regulations for disability income insurance and long-term care insurance.
Hawaii Temporary Disability Insurance (TDI)
Hawaii has a Temporary Disability Insurance program:
- One of only 5 states with mandatory TDI
- Provides wage replacement for non-work disabilities
- Up to 26 weeks of benefits
- Funded by employee contributions (employer may contribute)
- Covers pregnancy and childbirth
TDI Requirements
| Feature | Requirement |
|---|---|
| Benefit Duration | Up to 26 weeks |
| Waiting Period | 7 days |
| Benefit Amount | 58% of average weekly wage |
| Maximum Weekly | Statutory limit |
Disability Income Insurance
Free Look Period
Hawaii requires a 10-day free look period for individual disability insurance.
Required Policy Provisions
Hawaii disability policies must include:
| Provision | Requirement |
|---|---|
| Grace Period | Minimum 31 days for annual premium |
| Reinstatement | Must allow reinstatement |
| Notice of Claim | 20 days after loss begins |
| Time to Pay Claims | 30 days after proof of loss |
Long-Term Care Insurance
Free Look Period
- 30-day free look for LTC policies
- Applies to all individual LTC policies
- Policyholder can return for full refund
Required Provisions
| Provision | Requirement |
|---|---|
| Renewability | Must be guaranteed renewable |
| Pre-existing Conditions | Max 6-month look-back |
| Inflation Protection | Must offer option |
| Nonforfeiture | Must offer option |
Test Your Knowledge
What is the free look period for long-term care insurance policies in Hawaii?
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Test Your Knowledge
Does Hawaii have a state disability insurance program?
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Test Your Knowledge
How long can Hawaii TDI benefits last?
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