SINOT

What is SINOT? 

Law 139 is a requirement for companies with more than two employees. Its objective is to pay benefits, thus offering additional protection to those who have lost their income due to temporary incapacity caused by injury, illness, non-work-related accident, or a car accident. 

This insurance covers all workers including agricultural ones. However, it is voluntary for employees of state, federal, municipal governments, and non-profit institutions. 

This cover interests me, I wish to 

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This law provides the following benefits: 

Disability 
It will depend on the insured wages in the basic year of the claim. The minimum benefit is $12.00 weekly and the maximum benefit is $113.00 in the industrial phase. The benefit will be paid for the duration of the disability or up to a maximum of 26 weeks in any period of 52 consecutive natural weeks. 

Dismemberment 
Dismemberment benefits ranging from $2,000.00 to $4,000.00 depending on the loss. For example: loss of sight, feet, hands, arms, and legs. 

Death 
Death benefit, $4,000.00 prorated among the direct dependents of the deceased worker, plus any benefit owed to them. 

In addition to the benefits provided by law, Triple-S Life offers you alternatives to complement the coverage you can offer to your employees: 

Increase in benefits and payment weeks

We offer you the option to increase the amount of benefits and the number of weeks your employees will be paid under SINOT. 

Voluntary Insurance for Drivers

As an employer, you can request Voluntary Insurance to include drivers under the SINOT policy. The primary plan for these employees will remain the Driver’s Insurance, but they will also be covered under SINOT. 

Enhanced Death Benefit

You can increase the amount of the death benefit offered under SINOT and even add an additional benefit for Accidental Death and Dismemberment. 

Reimbursement for Funeral Expenses

You will be able to include an additional benefit for reimbursement of funeral expenses up to a specified amount for compensable conditions under Law 139 of SINOT. 

Where should you call? 

If you have the services of an Insurance Producer, please contact this professional to begin your evaluation and quotation process. 

You can also contact Triple-S Life directly at 787-771-1867 or via email at moc.a1714349150divss1714349150s@vst1714349150lapur1714349150gatne1714349150v1714349150.

Additionally, the company has 24 service offices across the island. 

The information provided here is a brief summary of the policy. Specific details including conditions, limitations, and exclusions that apply to this insurance are outlined in the policy.