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Puerto Rico Disability Benefits Act (DBA)

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Puerto Rico Disability Benefits Act

Disability Benefits Act (DBA) or Seguro Incapacidad No Ocupacional Temporal (SINOT) provides a minimum level of coverage in compliance with statutory guidelines.

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Information presented below as of 1/1/2022

Effective Date

  • Effective 1968: Disability Benefits Act (DBA) or Seguro Incapacidad No Ocupacional Temporal (SINOT)

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Plan Features

Puerto Rico Disability Benefits Act plan features
specific features you may inquire about relevant information
Covered Employer Employers are required to provide DBA if they employ one or more persons in Puerto Rico during the current or prior year. This requirement applies to businesses in Puerto Rico, as well as to out-of-state employers who have employees in Puerto Rico.
Eligibility
  • An employee is eligible for Puerto Rico DBA if he or she earned at least $150 in covered employment within a base year. A base year is defined as the first four of the last five consecutive calendar quarters immediately preceding the period of disability.
  • However, because “insured” employment may include service provided to a former employer, new hires may be eligible on their first day worked.
Waiting Period
  • 7 days for accident and sickness
  • 0 days if hospitalized
Benefit Amount
  • Graduated schedule based upon earnings prior to disability
Minimum Weekly Benefit
  • $12
Maximum Weekly Benefit
  • $113 ($55 maximum for agricultural workers)
Maximum Duration
  • 26 weeks in a rolling 52-week period

Standard Maternity Guideline
  • DBA benefits not payable.
  • Working Mothers Protection Act requires employers to pay eight weeks of rest benefits at 100% of salary.
Death & Dismemberment
Table shows severity of claimant's injury or disability versus benefit payout amount
Severity of Claimants Injury or Disability Benefit Amount
Death $4,000
Total and permanent loss of sight in both eyes $4,000
Loss of both feet at or above the ankle $4,000
Loss of both arms at or above the wrist $4,000
Loss of one arm and one leg $4,000
Loss of one arm at or above the wrist $3,000
Loss of one leg at or above the ankle $3,000
Loss of one hand or one foot $2,500
Total and permanent loss of sight in one eye $2,500
Loss of at least three fingers or three toes $2,000
Exclusions

Benefits are not payable if the disability was caused by the following:

  • Occupational sickness or injuries
  • Abortion, other than those induced for medical reasons
  • Automobile accidents covered under the Automobile Accident Social Protection Act
  • Premeditated or intentional self-inflicted injuries
  • Injuries received in the commission of a crime

DBA benefits may be reduced or not payable if an employee is receiving retirement or pension benefits, unemployment benefits or continued salary. Benefits will cease during any period of incarceration in a prison or court-ordered confinement in an institution.

Recurrent Disability
  • Periods of disability due to the same cause and separated by less than 90 calendar days of active work will be treated as the same disability.
  • Periods of disability due to the same cause and separated by 90 calendar days or more of active work will be treated as separate claims.
  • After return to work, a new period of disability caused by a different medical condition will be treated as a new claim.
Post-termination coverage
  • 14 days
  • Benefits are payable by the employee’s last employer for disabilities that commence within 14 days of his/her last day worked unless the employee becomes subsequently employed/covered.
Contributions

0.3% of eligible wages up to a $9,000 maximum of $27 per year

Private Plan Options

Upon registration with Puerto Rico, employers are automatically enrolled in the government plan and must continue to participate for at least one year before they are permitted to file for one of the following private plan options:

  • Insured private plan provided by an insurance carrier, such as Prudential.*
  • Self-insured private plan. Employer files private plan for approval with Puerto Rico and posts a security deposit.*

*All private plans must be filed with Puerto Rico by April 30th for a July 1st effective date of the same year.

Prudential Plans Available
  • Insured Disability Benefits Act plans
Additional Information

http://www.trabajo.pr.gov/ Please note that website is in Spanish. OR contact SINOT at 787-754-5353

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Need More Information?

Visit Puerto Rico’s DBA website opens in a new window for more details and to read the regulations.

Please contact your Prudential representative with questions.

The Prudential Insurance Company of America (Prudential), Newark, NJ

For Compliance Use Only: GL.2019.278

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