We studied the temperature dependence of the magnetization reversal in individual submicron permalloy disks with micro-Hall and bend-resistance magnetometry. The nucleation field exhibits a nonmonotonic dependence with positive and negative slopes at low and high temperatures, respectively, while the annihilation field monotonically decreases with increasing temperature, but with distinctly different slopes at low and high temperatures. Our analysis suggests that at low temperatures vortex nucleation and annihilation proceeds via thermal activation over an energy barrier, while at high temperatures they are governed by a temperature dependence of the saturation magnetization. Comment: 4 pages, 4 figures