Florida short-term disability insurance is an essential ingredient for prospective parents. A policy helps to support a portion of your income in the event you are unable to work because of unforeseen medical events, and one you may plan: normal pregnancy and childbirth.

Follow a simple outline to better understand how short-term disability insurance works in Florida. Don’t make the mistake of assuming that the state offers a program that automatically enrolls every resident.

Fl Short Term Disability Benefits

FL does have mandated state benefits. Individual short-term disability options in Florida can support your earnings in case of accidents and illnesses that may interrupt income for one or both parents. Many growing families face rapidly rising costs for a variety of items, any stop to the inflow of earnings creates a difficult circumstance.

Applying for Benefits

Applying for benefits requires that you file a claim form with the company who issued the policy. You are required to purchase a policy in advance of filing your claim. Florida does not have state short-term disability. If coverage is in force, your doctor and employer are both required to verify information on the claims form.

Benefit Amounts

A Florida short-term disability insurance policy may reimburse you up to 2/3 of your regular earnings up to a limit of $6,500 per month. Often the policy benefits are paid tax-free when premiums are paid using post tax deductions. Keep more of the cash when you need it most. The monthly benefit amount is chosen at time of application.

Payments begin after satisfying an elimination period. The elimination period is the length of time you are continuously disabled before payments begin. The elimination period is chosen at time of application.

Payments continue while continuously disabled until reach the benefit duration limit. The duration limit is also chosen at time of application. Choose between durations of: 3, 6, 12, or 24 months.

Maternity Leave

Paid maternity benefits are very rare, extremely important to have, and easily found for many. Most employers choose not to provide paid leave for most workers because the costs are prohibitive. Paying workers to stay at home does not make business sense in the minds of many employers.

Maternity leave short-term disability makes benefit payments when normal childbirth occurs more than nine months after the policy effective date. Vagina delivery qualifies for a six-week payment. Cesarean section deliveries allow for an additional two weeks during recovery.

Florida health insurance covering maternity can provide options to reduce out-of-pocket medical expenses for prenatal care, hospitalization, and childbirth.

Pregnancy Bed Rest

Many families are put into a financial bind when pregnancy complications crop up, and mom needs to leave work months in advance of her delivery. Then comes childbirth and additional time is needed to recover. More time is needed for a C-section delivery. Most often the family loses at least mom’s income, and sometimes dad’s as well if he needs to provide care at home.

Relieve some of your anxiety. Why struggle to make ends meet during your maternity leave when you can purchase coverage that makes cash payments when both mom and baby are perfectly healthy? The same policy may also cover mom’s income during the time she cannot work during her pregnancy disability. Accidents and illnesses are part of the coverage.

Request a short-term disability quote. Compare the premium costs to the projected benefit payments. Then learn how to get Florida short-term disability insurance to cover normal childbirth.

Short Term Disability Requirements

There are three very important requirements regarding short-term disability in Florida. The same rules apply in other states as well, but bear repeating here.

The greatest demand comes for policies covering normal childbirth. These policies provide maternity leave income for a medical event many plan. These policies are not sold directly to individuals. The most important requirement is have your employer offer short-term disability employee benefits. The policies are employee paid so this requirement hurdle is very low.

The second requirement for maternity leave policies is that coverage must begin before getting sick, hurt, or pregnant. There is a 12-month exclusion for preexisting conditions. Women who are already expecting can still purchase a policy. Only future pregnancies will be covered.

Florida Disability Related Laws

Florida does not have state short-term disability insurance. You must purchase a private policy to receive benefits for temporary disabilities.

Social Security Disability is intended for permanent conditions. The state Department of Health Division of Disability Determination makes decisions regarding medical eligibility under the SSI and Medically Needy program. Office locations and phone numbers are:

Ashley Building, Suite 100
1321 Executive Center Drive
Tallahassee, FL 32399-6512
Main: 850-488-4222

P.O “B” 10375
Jacksonville, FL 32207
Main: 904-390-4600

P.O. Box 839001
Miami, FL 33283
Main: 305-596-3020

P.O. Box 144040
Orlando, FL 32814
Main: 407-897-2970

P.O. Box 15550
Tampa, FL 33684-9839
Phone: 813-806-8950

State Employees

State employees are allowed up to six months of unpaid parental leave to care for a newborn or adopted child, or to take care of a spouse during his/her disability. This may include time prior to delivery as well as mom’s recovery from childbirth. An employee may not be terminated because of the pregnancy of the employee or an employee’s spouse.


If you are unemployed when you become totally disabled your policy gives you the right to be paid a benefit provided you meet several qualifying criteria:

  • You are kept at home and are unable to perform two of six activities of daily living
  • You are under the regular and appropriate care of a doctor

Florida law does not currently allow a disabled person to collect unemployment compensation.

Infertility Coverage

Florida does not currently have laws requiring health insurance to cover infertility treatments. However, regulations from other states may apply depending upon where your employer is headquartered.