Puerto Rico

 

Although there are common elements to the many regulations, there are also differences in the way each state or province designs its plan and coordinates it with other leave types. Here’s what you need to know about disability insurance in Puerto Rico.
 

Seguro por Incapacidad No Ocupacional Temporal (SINOT)

What is Puerto Rico Seguro por Iincapacidad No Ocupacional Temporal (SINOT)?

Seguro por Iincapacidad No Occupacional Temporal (SINOT) translates to Temporary Non-Occupational Disability Insurance, which is a program that pays benefits to insured workers who have lost their wages caused by a non-work-related illness or injury, including pregnancy.

This program also provides benefits to dependents for death and dismemberment of an insured worker.
  

When did SINOT begin?

SINOT was enacted on June 26, 1968.
  

Who is eligible?

Any employee that meets the following criteria is eligible:

  • Is unable to work as the result of a non-work-related illness or injury, including pregnancy
  • Has been in treatment and has authorization from a doctor or chiropractor
  • Has received salaries of a least $150 in insured employment during their base year
How is this program funded?

Every employer is required to pay contributions, including public contributions. This can be done in two ways, either by both the employer and the employee or just by the employer. The contribution will be 0.6% of the employees first $9,000 of annual earnings; the contributions may be shared. The maximum annual employee contribution is $54.

What is the voluntary program option?

The commonwealth allows employers to establish a private plan that is at least as liberal as the commonwealth’s plan. The commonwealth must approve all private plans which can only go into effect on July 1st. Lincoln does not currently administer private plans in Puerto Rico.
  

What are the benefits to the employee?

There is a seven-day waiting period for benefits except when a claimant is hospitalized which qualifies the claimant for first day benefits.

A covered employee’s weekly benefits under the program are:

  • Payable at up to 65% of employee’s weekly earnings
  • Weekly benefits: Minimum = $12; maximum = $113 ($55 maximum for agricultural workers)
  • Benefits are payable for up to 26 weeks.
  • Benefits payable for less than one week will be paid in increments of 1/7 of the weekly benefit
  • Additional benefits for death or dismemberment
Does SINOT provide job protection?

SINOT does not provide job protection.
  

Other Puerto Rico state paid family and medical leave resources
Insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, Lincoln Life & Annuity Company of New York, Syracuse, NY, and Lincoln Life Assurance Company of Boston, Dover, NH. The Lincoln National Life Insurance Company does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply.