Puerto Rico
Puerto Rico Paid Family & Medical Leave (PR PFML)
Disability Benefits Act (DBA) or Seguro Incapacidad No Ocupacional Temporal (SINOT)
The Puerto Rico Temporary Disability Insurance (TDI) Temporary Non-Occupational Disability Insurance (SINOT) program pays benefits to insured workers who have lost their wages as a result of a disability caused by an illness or injury that is not related to employment or to a car accident. In addition, it provides dismemberment and death benefits to an insured workers’ dependents.
Coverage Options: MetLife provides fully insured and self-insured temporary disability coverage.
Job Protection: Employers must reserve the employment of an individual for one year from the onset of a non-occupational disability. However, there may be just cause, when an employee does not return to work following the year of reserve.
Benefits: Up to 26 weeks with a maximum benefit of $113 ($55 for agricultural workers).
Contributions: All employers, including public corporations, must pay contributions. Either both the employer and the worker or the employer only contribute to the Disability Fund. The contribution will be .60% of the salary received by the worker, up to a maximum of $9,000.00 per calendar year. The contribution of the worker may not be greater than .30%.
As of April 8, 2024