Income Protection
Income if the insured cannot work for a short period of time.
![](https://cdn.prod.website-files.com/627bc1fd60d9e357b0ffd126/636321c8bcf39ae4a4cc8590_iStock-1346125184.jpg)
Product summary
Group plan
Salary is provided to employees if an illness or occupational or non-occupational injury prevents the insured from working for a short period.
Weekly benefits, coordinated with SINOT, driver insurance, ACAA, and state fund insurance.
Benefits
- The available plans are:
- Regular protection: Disability non-occupational insurance that provides benefits for disability up to a maximum hospital stay of 26 weeks. Services coordinated with SINOT, Driver Insurance, ACAA, and State Insurance.
- Platinum protection: Incapacity non-occupational insurance that provides benefits when an accident or illness results in a non-occupational disability. Provides 75% of a weekly salary up to a maximum of $1,000. Services coordinated with SINOT, driver insurance, and ACAA.
- Plus Platinum Protection: Incapacity non-occupational and occupational insurance that provides benefits in the event of a non-occupational disability due to accident or illness. Services coordinated with SINOT, Driver Insurance, ACAA, and State Insurance Fund.
![Income Protection](https://cdn.prod.website-files.com/627bc1fd60d9e357b0ffd126/636321d198d6ad658bf49765_iStock-998313770.jpg)
Contract dispositions
- Maximum period of coverage until 26 weeks.
- Services coordinated with SINOT, Driver Insurance, ACAA and State Insurance Fund.
![Income Protection](https://cdn.prod.website-files.com/627bc1fd60d9e357b0ffd126/636321d64ecbf756e88a0ec6_iStock-690855708.jpg)
Payment methods
These are the payment methods available to purchase your plan.
Frequently asked questions
We leave you some of the most frequently asked questions about our plans
Does COSVI Cancer policy include prevention exams?
Yes, we can reimburse preventive exam expenses if the policy is active for two months.
What should I do to add a beneficiary to my COSVI policy?
To designate a beneficiary, all you have to do is fill out the Request to Add Beneficiaries document and send it in original format by regular mail to: Cooperativa de Seguros de Vida de Puerto Rico, COSVI Attention Issuance Department PO Box 363428 San Juan, P.R. 00936-3428 You can also bring it to any of our offices or send it by email to serviciosalcliente.documentos@cosvi.com.
How much time do I have to settle a claim for death or inability?
You should settle your claim no later than 24 months from the date of your death or incapacity.
What if I want to purchase an additional cover?
You can contact the Life Insurance Cooperative of Puerto Rico, COSVI at 787-751-7373 where an Authorized Representative will guide you on the insurance policies and endorsements that we have available. You can also contact your insurance agent directly.
What are the documents that I must send to claim pain therapy, yoga and psychology services?
You should send an expense receipt showing a breakdown of the benefits paid by the insured. The receipt should contain the address, name, and profession of the person providing the service. In the case of yoga, it should be administered by a certified yoga guru.
Does a jointly coverage exists under the Funeral coverage?
Yes, it exists the jointly coverage (contract that cover more than one life).
Steps to acquire your insurance
In just three steps, you can get the policy you are looking for.
![Imagen del sitio web de COSVI, compañía de seguros en Puerto Rico.](https://cdn.prod.website-files.com/6279720bd245bbd386d1c6d1/62a2a564649b2852de036421_cosvi-img-0031.jpg)
![Imagen del sitio web de COSVI, compañía de seguros en Puerto Rico.](https://cdn.prod.website-files.com/6279720bd245bbd386d1c6d1/62ba02abbcb9913b520684e5_cosvi-007.jpg)
![Imagen del sitio web de COSVI, compañía de seguros en Puerto Rico.](https://cdn.prod.website-files.com/6279720bd245bbd386d1c6d1/62a2a563cdb02dc120ea284f_cosvi-img-0047.jpg)
Initial Consultation
In your initial orientation appointment, the objective is to establish good relations hear youcarefully and make adequate questions to know which you are needs a free consultation.
Evaluation
Depending on your needs, we evaluate the different products beneficial for you.
Presentation
Besides your resume, we will continue to evaluate all information provided to recover your situation and confirm your needs. We propose an action plan that identifies and explains different products and alternatives that meet your needs. If you agree with our recommendations, we help you get the product.
Orientación Inicial
En la cita inicial el objetivo es establecer una buena relación, escucharle detenidamente y hacerle las preguntas adecuadas para saber cuáles son sus necesidades.
Evaluación
Dependiendo sus necesidades, se evaluarán los diferentes productos de mayor beneficio para usted.
Presentación
Además, de resumir la situación, confirmar sus necesidades se procede a evaluar toda la información provista, se presenta un plan de acción en el que se identifican y explican los diferentes productos y alternativas que satisfagan sus necesidades. Si usted está de acuerdo con las recomendaciones, se le ayuda adquirir el producto.
What our clients are saying
Look what are insured have to say about our policies and our services.
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