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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/

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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
  • State plan, private plan option.
  • Private plans may be insured or self-insured and must be equal to or in excess of public plan benefits.

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:

  • Be unable to work due to injury or illness that is not related to work or a car accident;
  • Be in treatment with a duly authorized physician or chiropractor.
  • Have earned at least $150 in a covered employment during her or her base year.

Certain domestic servants, students employed by a school or college, government or non-profit organization employees are excluded.
Contribution amount
  • State plan rate is 0.6%.
  • Employee contribution:
    • 0.3% of the first $9,000 of employee’s annual earnings.
  • Employer Contribution:
    • 0.3% of the first $9,000 of employee’s annual earnings.
    • Employer has option to pay all or a portion of the total amount (0.6%).
Waiting period
  • Eighth consecutive day of disability; or
  • First day of hospitalization, if earlier.
Benefit calculation

65% of weekly earnings.
Additional benefits
  • Death benefit in the amount of $4,000.
  • Dismemberment benefits ranging from $2,000 to $4,000.
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

 

 

State Resources

Puerto Rico Department of Labor and Human Resources

PR SINOT Regulations (PDF)

PR SINOT workplace poster (PDF)

 

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First Symetra National Life Insurance Company of New York, New York, NY. Mailing address: P.O. Box 34690, Seattle, WA 98124.

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Symetra® is a registered service mark of Symetra Life Insurance Company.

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 October 2024.