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Non Occupational Disability Insurance

Pay benefits for any accident or illness unrelated to the job or to a car accident.

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Coverages

SINOT

Pays benefits to insured workers who have lost their income as a result of disability due to illness or accident unrelated to employment or to a car accident.

Any employee who is not in government can receive disability benefits through SINOT, provided he or she has received at least $150 in an insured employment during the base year. In addition, the worker must be under treatment by a physician or a duly authorized chiropractor.

MAPFRE LIFE is one of the most active companies in plan underwriting and management under Law 139. Our highly trained personnel with many years of experience handle complaints quickly and efficiently.

Any person who is not employed by the State or Federal Government is eligible.
The insured receives payment from the first day of hospitalization, or from the eighth day of disability.
Receives benefits for the duration of the disability (26 weeks maximum).

The advantages of selling SINOT through MAPFRE LIFE are:

Lower cost to the government.
Benefits greater than those provided by the government.
Quick service in the analysis and processing of the claim.
Orientation to employees and employers (if requested).

For more information, please see our brochure.

Download document in Spanish PDF (434 KB)

Benefits and Advantages

Through their life and disability insurances for business, MAPFRE LIFE offers a number of benefits and advantages detailed in the general and special conditions of their policies.

The benefits and advantages of the Temporary Non Occupational Disability Insurance from MAPFRE LIFE offer value-added services to policyholders. It can be pointed out the following ones:

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Benefits

All employees -except government ones, non-profit companies and drivers- can receive disability benefits because of SINOT.

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Claims

MAPFRE LIFE has highly trained staff, with many years of experience, processing claims quickly and efficiently.

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Compensations

The insured receives compensation from the first day of hospitalization or from the eighth day of disability, as appropriate.

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Duration

Get the benefits established in the general conditions for the duration of the disability.

Also, Temporary Non Occupational Disability Insurance from MAPFRE LIFE offers you the following benefits:

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Cost

Assumes a lower cost in most cases to the offered by the 139 Law.

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Benefits

Greater benefits to those provided by Law 139.

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Analysis

MAPFRE LIFE provides a quick service in the analysis and processing of the claim.

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Guidances

The Company provides guidance to employees and employers.

In this sense, MAPFRE LIFE offers everyone interested in learning more about Temporary Non Occupational Disability Insurance its MAPFRE Contact Center 24 hour service, as well as the possibility of contact with agents specializing in any of its offices.

General Conditions

The general conditions of the policy details the covers of which the insured takes benefit, and the benefits, requirements and restrictions set forth in the agreement.

The Temporary Non Occupational Disability Insurance (SINOT) of MAPFRE LIFE is a policy designed to pay compensation to insured workers who have lost their incomes because of a disability by disease or accident not related to employment develop or as a result of an automobile accident.

All workers, except those who are employed by the government, non-profit companies, or drivers, can access this benefit if they have earned at least $150 in insurable employment during the base year and are under medical treatment or duly authorized chiropractor.

In this regard, it is important to note that MAPFRE Life is one of the most active companies in underwriting and management plans under Law 139.

Requirements and Restrictions

This insurance includes a number of requirements and restrictions that must be studied by the customer before hiring. It is important to consider these aspects to choose the policy that best suits your needs and those of your business.

For getting access to the established coverages in MAPRE LIFE, The Temporary Non Occupational Disability includes the following requirements and restrictions, among others:

It does not cover cases of disability due to an employment-related accident or a car accident.
To access the compensation the insured must have received at least $150 in insurable employment during the base year.
Policyholders may receive benefits up to 26 weeks.
The benefits will be paid according to the maximum amounts stated in the general conditions of the policy and under the terms established in the Benefits for Temporary Non Occupational Disability Law.
MAPFRE LIFE is not liable for damage not covered by the agreement with the Company.

Recommendations for use

MAPFRE LIFE recommends know and follow a series of recommendations for use in order to access the covers included in the general conditions of the policy as well as the benefits and advantages of the policy if an accident happens.

Recommendations for hiring a Temporary Non Occupational Disability Insurance for your business:

Read carefully all special provisions and clauses for each cover.

Recommendations to benefit from the Temporary Non Occupational Disability Covers:

Changes made to the policy are not valid until they are approved by an executive officer of the Company and only if approval is endorsed to it.
We offer a grace period of 31 days for paying every single premium that expires after the first one. The policy remains in force during that period.
MAPFRE LIFE is entitled to examine, at its expense, the insured when and as often as reasonably required while it is pending a claim, as well as an autopsy in case of death, if is not prohibited by law at that time.
The Company provides the policyholder a summary of the essential characteristics of the insurance in order to be delivered to each covered employee.
MAPFRE LIFE can cancel the insurance at any time for nonpayment through a written notice to the policyholder and to the Secretary of Labor of the Commonwealth of Puerto Rico, indicating the effective date of cancellation.
Users interested in knowing what are the characteristics of the Temporary Non Occupational Disability Insurance may do so by telephone, through MAPFRE Contact Center, our Information Center 24/7.

The coverages described here are offered by MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO (MAPFRE LIFE).