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.

Do not make the mistake of assuming that the state offers a program that automatically enrolls every resident. You have to take proactive action!

  • Steps to complete application forms
  • Maternity leave and pregnancy bed rest
  • Florida laws and important requirements

Applying for FL Short-Term Disability Benefits

Applying for Florida short-term disability benefits requires that you complete a claims form. Of course, you will need to purchase a policy first. Florida does not offer a state program.

Get extra cash when you need it most if you were relying on a state program, or unaware of preexisting condition limitations. A short-term loan may provide the funding needed to cover your bills while not working.

Apply for a short-term loan if you do not qualify to receive benefits.

Claims Application Form

Your doctor and employer are both required to verify information on the claims form. Your doctor must state the medical reason for why you are unable to work. You employer verifies that you are not earning an income.

Applying for short-term disability benefits in Florida requires that you file a claim form with the company who issued the policy. Download the claims form from the carrier’s website, and follow the written instructions carefully.

Policy Application Form

You must complete a policy application form in order to purchase coverage. A licensed agent will take your policy application, and submit the form to the carrier for underwriting review.

Request a short-term disability quote prior to completing your policy application. Get an estimate of monthly premium costs. Speak with an agent to address any questions or concerns.

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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. You choose the monthly benefit amount at time of application.

Claims payments begin after satisfying an elimination period. The elimination period is the length of time before payments begin. You choose the he elimination period at time of application.

Payments continue until reach the payment duration limit. Choose between durations of: 3, 6, 12, or 24 month at time of application.

FL Short-Term Disability Maternity Benefits

Florida short-term disability maternity benefits are very popular with women. Childbirth is a frequent and planned medical event. Certain policies replace income while mom recovers from labor and delivery.

Choose between two policy types: those covering only pregnancy bed rest, and those covering maternity leave as well.

Pregnancy Bed Rest

Most Florida short-term disability policy types cover pregnancy bed rest.

Many families find themselves in a financial bind when pregnancy complications crop up, and mom needs to leave work months in advance of her delivery. Most often, the family loses at least mom’s income. Dad may also need to stop working to provide care at home.

Individual policies purchased online provide this valued income security.

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 in Florida makes benefit payments when normal childbirth occurs more than nine months after the policy effective date.

  • Vagina delivery qualifies for a six-week payment.
  • C-section deliveries allow for an additional two weeks during recovery.


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

  1. The most important requirement is have your employer offer a voluntary option for women needing maternity leave income. The policies are employee paid so this requirement hurdle is very low.
  2. The second requirement is that coverage must begin before getting sick, hurt, or pregnant. There is a 12-month exclusion for preexisting conditions.

Florida Short-Term Disability Laws

Florida short-term disability laws provide modest protections for employees unable to work. The state program covers permanent medical condition only.

Other laws regarding unemployment, family leave, and Medicaid provide limited assistance.

State Program

State mandated short-term disability insurance does not exist in Florida. There is no state law offering a program, or making it mandatory for employers to provide an option for workers.

Employers are free to offer an option – or not.

The Florida State Department of Health Division of Disability Determination makes decisions regarding medical eligibility under the Social Security Income and Medically Needy program. Temporary medical conditions are not covered.


If you are unemployed 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.

Job Protections

Florida family leave laws consist primarily of federal regulations. State employees enjoy added job security rights. The Human Rights Act prevents discrimination.


Medicaid does not provide income protection, although eligibility is means tested by income. Many people qualify for this program once they lose income.

This government program is also a primary option for health insurance covering maternity.