On average, Florida has some of the mildest winters in the United States. Average lows range from 65 Â°F (18 Â°C) in Key West to near 41 Â°F (5 Â°C) degrees Fahrenheit at Tallahassee, whereas daytime highs range from 64 Â°F (18 Â°C) at Tallahassee to 77 Â°F (25 Â°C) at Miami.
Short-term policies generally last between 9 and 52 weeks, after which time your benefit will end. You may then have the option of moving to a Long-Term Disability policy or applying for Social Security Disability Insurance. Pregnancy and maternity leave is a very common trigger for short-term disability claims.
Disability Claims for Acute Episodes of Mental Illnesses. Private short-term disability insurance also does not cover temporary acute episodes of mental illnesses such as situational stress, depression, and anxiety. These conditions fall under the category of emotional disorders in the exclusions listed above.