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.
Most short-term disability insurance policies have a cap, meaning you receive a maximum benefit amount per month. Short-term disability insurance policies also have a limit on the amount of time you can receive benefits â up to two years, according to the Insurance Information Institute (III).auses of short-term disability insurance claims. Here are the top reasons for short-term disability claims, according to an examination by disability insurer Unum of 2012 claims made by its customers.