Workers in Florida do not have the benefit of state-mandated temporary disability insurance. However, the state works with the Social Security Administration to determine a worker's eligibility for federal long-term benefits. For short-term disability, private insurance may be purchased, either by an individual or employer.
Social Security does not cover short-term disability, but workers may qualify for workers' compensation benefits when out of work for a temporary illness or injury. If the medical condition proves more permanent, the worker may then seek federal benefits. In Florida, the Division of Disability Determination (DDD) decides eligibility.
Florida applicants for long-term Social Security Disability Insurance should apply directly to the federal agency or to the state's Department of Children and Families for assistance under its Medically Needy Program, which supplements Medicaid payments. As of August, 2010, workers may apply for benefits while still working if their gross income falls below $900 a month.
A worker must suffer illness or injury that will severely impair their ability to work for at least one year. The disability may be physical or psychological. Medical proof from a physician must be provided with the benefits application. Applicants also must prove they cannot do work other than required by their current position.