Seguro Por Incapacidad No Ocupacional Temporal (SINOT)
Puerto Rico
Department of Labor and Human Resources
Effective: 1968
Last updated: 11/07/23
State website: trabajo.pr.gov/
Puerto Rico Seguro Por Incapacidad No Ocupacional Temporal (PR SINOT) Plan Details
Summary:
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State or private plan: State or Private plan (insured or self-insured). |
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Mandatory coverage: All employers who have one or more employees. |
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Waiting period: Eighth consecutive calendar day or first day of hospitalization, if earlier. |
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Benefit duration: 26 weeks during a benefit year. |
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Maximum benefit: $113/week; $55/week for agricultural workers. |
| Coverage details |
Symetra does not offer an insured plan or ASO services for an employer’s self-insured plan. |
| Covered employers |
All employers who have or have had one or more employees during any day of the current or preceding calendar year. |
| Covered individuals |
Employees must:
Certain domestic servants, students employed by a school or college, government or non-profit organization employees are excluded. |
| Contribution amount |
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| Waiting period |
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| Benefit calculation |
65% of weekly earnings. |
| Additional benefits |
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| Maximum weekly benefit amount |
$113 per week. $55 per week for agricultural workers. |
| Minimum weekly benefit amount |
$12 per week. |
| Other income amount offsets |
100% backdoor offset with any wages paid during disability. |
| Maximum duration |
Not more than 26 weeks during any disability period or any consecutive period of 52 weeks. |
Frequently Asked Questions
Is coverage continued after termination of employment?
Yes. An employee continues to be covered for not more than 14 days.
What are the qualifying leave reasons?
An employee’s injury or illness that is not related to employment or to a car accident that results in an inability to do their job or any other job.
How do we determine the benefit year?
The benefit year is defined as a 52-week consecutive period.
Does a relapse period apply to recurrent leaves?
Same or related illness or accident occurring within 90 days or less, as long as the waiting period has been satisfied during the first period of disability.
Is reimbursement to the employer allowed for advance payments of benefits?
If an employee otherwise eligible for benefits is declared ineligible for benefits for one or more days because he or she received a full wage payment voluntarily made by his employer during those days, the employer shall be paid if he exercises his right to reimbursement.
Can leave be taken on an intermittent leave basis?
No. Leave is only continuous.
How are benefits prorated?
If fewer than seven days of disability occur in a benefit week, payments will be made at the rate of 1/7th of the weekly benefit amount for each day of compensable disability. Total benefits for a fraction of a week will be computed to the highest fullest dollar.
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Symetra assumes no responsibility for the accuracy or timeliness of any information provided herein. The information contained herein is for informational purposes only and is not legal advice or a substitute for legal counsel. We recommend employers speak with legal counsel specializing in labor and employment law to ensure compliance with applicable PFML and PFL mandates.
The information on this page was updated as of April 2024.