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: The PR SINOT program does not provide job protection, only monetary benefits. However, job protection may be provided through other federal or state laws such as the federal Family and Medical Leave Act (FMLA).
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%.
What is Paid Family & Medical Leave?
The information presented in this brochure is not legal advice and should not be relied upon or construed as legal advice. It is not permissible for MetLife or its employees or agents to give legal advice. The information in this brochure is for general informational purposes only and does not purport to be complete or to cover every situation. You must consult with your own legal advisors to determine how these laws will affect you. Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. Please contact MetLife or your plan administrator for complete details. Further, the information in this brochure does not reflect MetLife’s or any particular employer’s internal policies or the benefits available to its employees. All employees, regardless of employer, should consult with their own HR, benefits manager, or visit their HR website for information on the benefits available to them.