Protecting your employees is the best form to demonstrate the value of their work and their daily compromise.
Protecting your employees is the best form to demonstrate the value of your employees and their daily compromise.
For this reason, is an obligation of each employee to offer the Inability Non-Temporary Occupational Insurance. According to Law No. 139, SINOT protects your employees from loss of incapacity due to illness or accident not related to work.
- Basic Plan: Weekly benefits equal to 65% of weekly salary, up to $113.00 for up to 26 weeks. A death benefit of $4,000 and a benefit for disbursement of up to $4,000. This response is under the Incapacity Non-Temporary Occupational Benefits Act No. 139 of 1968.
- Funeral plan: Weekly benefits equivalent to65% of the weekly salary up to a maximum of $113.00 for a maximum period of 26weeks. Death and disbursement benefit up to $4,000. This response is by the provisions of Law No. 139 of 1968, The Non-Occupational Incapacity Welfare Act. What’s more Funeral Insurance is up to $3,000.
- Max Sinot: Weekly benefits equal to up to 65%of weekly salary, up to a maximum of $165.00, for 30 weeks. The death benefit of $5,000 and the disbursement benefit of up to $5,000. This benefit is $1,000additional to the $4,000 that Law 139 of 1968, stipulates Law of Inability Non-Occupational Benefit. Funeral Insurance, up to $5,000.
- Basic Plan with Funeral Benefit
- Plan MAX Sinot
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
The treatment in case of a positive cancer diagnosed, can it be out of Puerto Rico?
Yes, our Total Alliance policies offer you coverage of treatment out of Puerto Rico.
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 should I do if receive information that my policy is late?
Communicate with your Authorized Representative or Customer Service Specialist to make the payment. Remember, to have your policy member information on your hand to facilitate the identification.
Does the cancer and pernicious illnesses cover ambulatory medical visits to doctor?
No, it only covers medical visits in hospitals that are not surgeons or oncologists.
How can I convert my payment in a recurrent one?
To change your payment to a recurrent one, you should fill out a bank card form, select the day you which realize the order, which are 1, 7, 14 and 21 and the payment frequencies wish as monthly, quarterly, semestral, or annual.
What should I do if I want to reinstate my life policy?
You just have to fill out the Reinstatement Application and send it in original format, with the payment of all premiums owed by regular mail to: Puerto Rico Life Insurance Cooperative, COSVI Attention Issuance Department PO Box 363428 San Juan, P.R. 00936-3428. You can also deliver it to any of our offices or through your Authorized Insurance Representative.
Steps to acquire your insurance
In just three steps, you can get the policy you are looking for.
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.
Depending on your needs, we evaluate the different products beneficial for you.
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.
En la cita inicial el objetivo es establecer una buena relación, escucharle detenidamente y hacerle las preguntas adecuadas para saber cuáles son sus necesidades.
Dependiendo sus necesidades, se evaluarán los diferentes productos de mayor beneficio para usted.
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.
Excellent customer service.
Tremendous company. It is by appointment, at the moment, they are very helpful and fast, you do not waste time. Make an appointment by phone and that's it!!! Good service.
Good service, I won't let them.
Very well located and a wide variety of insurance products.
I was treated very kindly and promptly.
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