{"id":4595,"date":"2022-10-10T22:37:02","date_gmt":"2022-10-11T02:37:02","guid":{"rendered":"https:\/\/tolic.com\/services\/sinot\/"},"modified":"2025-12-29T11:20:00","modified_gmt":"2025-12-29T15:20:00","slug":"sinot","status":"publish","type":"page","link":"https:\/\/tolic.com\/en\/services\/sinot\/","title":{"rendered":"SINOT"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4595\" class=\"elementor elementor-4595 elementor-617\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71e0e2d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71e0e2d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4992b042\" data-id=\"4992b042\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a1412b2 elementor-widget elementor-widget-heading\" data-id=\"7a1412b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Private\nTemporary Non-Occupational\n Disability Insurance Plan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af54000 elementor-widget elementor-widget-text-editor\" data-id=\"af54000\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A product for employers, producers and authorized representatives.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-725a7437 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"725a7437\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/tolic.com\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-103eaf5b\" data-id=\"103eaf5b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f7df92f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3f7df92f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8407d67\" data-id=\"8407d67\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d960d22 elementor-tabs-alignment-stretch tabs-elementor sinot-tabs elementor-tabs-view-horizontal elementor-widget elementor-widget-tabs\" data-id=\"4d960d22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1301\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1301\" aria-expanded=\"false\"><span>Employers<\/span><\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1302\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1302\" aria-expanded=\"false\"><span>Producer and Authorized Representative<\/span><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1301\" aria-expanded=\"false\"><span>Employers<\/span><\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1301\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1301\" tabindex=\"0\" hidden=\"false\"><p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"5318\" class=\"elementor elementor-5318 elementor-5317 elementor-5317\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c1be52 tab1 tab-content  tab-content--active elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2c1be52\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-56d0cc8f\" data-id=\"56d0cc8f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-602b0cde elementor-widget elementor-widget-heading\" data-id=\"602b0cde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Employers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60110d95 elementor-widget elementor-widget-text-editor\" data-id=\"60110d95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We have a Private Temporary Non-Occupational Disability Insurance Plan, SINOT, for all your employees.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1672771 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"1672771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/tolic.com\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT US NOW!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-66abc4bc\" data-id=\"66abc4bc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-772eb2ef elementor-widget elementor-widget-text-editor\" data-id=\"772eb2ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Who are <span style=\"color: #f37324\">we<\/span>?<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fbe14d0 elementor-widget elementor-widget-text-editor\" data-id=\"1fbe14d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Trans-Oceanic Life Insurance Company, better known as TOLIC, is a purely Puerto Rican company, with more than 60 years of experience in the Puerto Rican market. We are leaders in cancer, life, accident, illness, and annuity insurance. We provide excellent and quality services to employers throughout the island. We have the experience, reputation, and financial strength to support all of our insurers. This is demonstrated by our B++ Good rating by AM Best , the oldest and most widely recognized provider of ratings, with the mission of reporting on the financial stability of insurers.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16257957 elementor-widget elementor-widget-text-editor\" data-id=\"16257957\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What do we <span style=\"color: #f37324\">offer<\/span>?<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374da595 elementor-widget elementor-widget-text-editor\" data-id=\"374da595\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Responding to market needs, we offer employers with five (5) employees in payroll or more, our SINOT Private Plan, which can be obtained through your Producer or Authorized Insurance Representative. Thus, your employees will have the benefit of being covered under an insurance plan managed by an insurance company, rather than a public insurance plan (Government Insurance Plan), with highly competitive rates and personalized service.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1302\" aria-expanded=\"false\"><span>Producer and Authorized Representative<\/span><\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1302\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1302\" tabindex=\"0\" hidden=\"hidden\"><p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"5361\" class=\"elementor elementor-5361 elementor-5360 elementor-5360\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c1be52 tab1 tab-content  tab-content--active elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2c1be52\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-56d0cc8f\" data-id=\"56d0cc8f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-602b0cde elementor-widget elementor-widget-heading\" data-id=\"602b0cde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Producer and\nAuthorized\nRepresentative<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60110d95 elementor-widget elementor-widget-text-editor\" data-id=\"60110d95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>TOLIC has the Private Temporary Non-Occupational Disability Insurance Plan , SINOT, to serve your clients.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1672771 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"1672771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/tolic.com\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT US NOW!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-66abc4bc\" data-id=\"66abc4bc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-772eb2ef elementor-widget elementor-widget-text-editor\" data-id=\"772eb2ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Trajectory<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fbe14d0 elementor-widget elementor-widget-text-editor\" data-id=\"1fbe14d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Trans-Oceanic Life Insurance Company, better known as TOLIC, is a purely Puerto Rican company, with more than 60 years of experience in the Puerto Rican market. We are leaders in cancer, life, accident, illness, and annuity insurance. We provide excellent and quality services to employers throughout the island. We have the experience, reputation, and financial strength to support all of our insurers. This is demonstrated by our B++ Good rating by AM Best , the oldest and most widely recognized provider of ratings, with the mission of reporting on the financial stability of insurers.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16257957 elementor-widget elementor-widget-text-editor\" data-id=\"16257957\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What do we <span style=\"color: #f37324\">offer<\/span>?<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374da595 elementor-widget elementor-widget-text-editor\" data-id=\"374da595\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Responding to market needs, we offer employers with five (5) employees in payroll or more, our SINOT Private Plan, accompanied by the service and excellence attention that only TOLIC knows how to provide you, as business partners and their respective customers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3b663415 tab1 tab-content  tab-content--active elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"3b663415\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5bffcfa8\" data-id=\"5bffcfa8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74cfad8d elementor-widget elementor-widget-heading\" data-id=\"74cfad8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is SINOT\n ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-31be014c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31be014c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6e7fa632\" data-id=\"6e7fa632\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-775a7153 elementor-widget elementor-widget-image\" data-id=\"775a7153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"495\" height=\"257\" src=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/capa-1573.png\" class=\"attachment-large size-large wp-image-5325\" alt=\"\" srcset=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/capa-1573.png 495w, https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/capa-1573-300x156.png 300w\" sizes=\"(max-width: 495px) 100vw, 495px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3a2109c6\" data-id=\"3a2109c6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1eee2733 elementor-widget elementor-widget-heading\" data-id=\"1eee2733\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Temporary Non- Occupational Disability Insurance (SINOT)<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47f00982 elementor-widget elementor-widget-text-editor\" data-id=\"47f00982\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It is a program under Law No. 139 of June 26, 1968, required of employers (for-profit entities). SINOT provides financial benefits to insured workers who have lost their income as a result of a disability due to an illness or injury that is not related to employment or a car accident. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b1c1101 elementor-widget elementor-widget-text-editor\" data-id=\"6b1c1101\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In addition, SINOT provides other benefits, such as dismemberment and death.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-220f40ea tab1 tab-content  tab-content--active elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"220f40ea\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-37bcd48c\" data-id=\"37bcd48c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c32b286 elementor-widget elementor-widget-heading\" data-id=\"1c32b286\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What should I do\nto request\na SINOT quote with TOLIC?\u201d<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1f6753f5\" data-id=\"1f6753f5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-231cf184 elementor-widget elementor-widget-text-editor\" data-id=\"231cf184\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Use the Application to quote SINOT with TOLIC and send it to the email &#x73;&#x69;&#x6e;&#x6f;&#116;&#64;tol&#x69;&#x63;&#x2e;&#x63;&#111;&#109; for a quick evaluation and a proposal of SINOT private plan alternatives with TOLIC. Last day to quote will be Thursday, April 17, 2026.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-128b2345 elementor-widget elementor-widget-text-editor\" data-id=\"128b2345\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For more information, please contact the Sales and Marketing Department at 787-620-2681 or email <a href=\"ma&#105;&#108;&#x74;&#x6f;&#x3a;&#x73;in&#111;&#116;&#x40;&#x74;&#x6f;&#x6c;ic&#46;&#99;&#111;&#x6d;\">s&#105;&#110;&#x6f;&#x74;&#64;t&#111;&#108;&#x69;&#x63;&#46;c&#111;&#109;<\/a>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fb67e9 elementor-widget elementor-widget-text-editor\" data-id=\"2fb67e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>IMPORTANT: TOLIC will be receiving completed documents (SINOT forms to file with the Department of Labor) until Friday, April 24, 2026.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf504d3 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"4cf504d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/tolic.com\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">request more information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a6ac67f elementor-reverse-mobile tab1 tab-content  tab-content--active elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"6a6ac67f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3cbdf524\" data-id=\"3cbdf524\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47eefa2e elementor-widget elementor-widget-heading\" data-id=\"47eefa2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the requirements that\ninsured employees must have to claim benefits?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a1c3960 tolic_grupos_list elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5a1c3960\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-caret-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Being unable to work as a result of an illness or injury that is not related to employment or a car accident.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-caret-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Be in treatment with a duly licensed physician or chiropractor.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-caret-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Have received wages of at least $150.00 in an insured job during their basic year.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-51a5dfe9\" data-id=\"51a5dfe9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c5338c5 elementor-widget elementor-widget-image\" data-id=\"7c5338c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"570\" height=\"316\" src=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/shutterstock-2065311284.png\" class=\"attachment-large size-large wp-image-5331\" alt=\"\" srcset=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/shutterstock-2065311284.png 570w, https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/shutterstock-2065311284-300x166.png 300w\" sizes=\"(max-width: 570px) 100vw, 570px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-755bd1b elementor-reverse-mobile tab1 tab-content  tab-content--active elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"755bd1b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6f517810\" data-id=\"6f517810\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65a14222 elementor-widget elementor-widget-image\" data-id=\"65a14222\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"570\" height=\"349\" src=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/shutterstock-1493445569.png\" class=\"attachment-large size-large wp-image-5327\" alt=\"\" srcset=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/shutterstock-1493445569.png 570w, https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/shutterstock-1493445569-300x184.png 300w\" sizes=\"(max-width: 570px) 100vw, 570px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cdf7316\" data-id=\"cdf7316\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c2f886d elementor-widget elementor-widget-heading\" data-id=\"3c2f886d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What benefits do these coverages provide\nby Law (statutory benefits)? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18cb0d32 tolic_grupos_list elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"18cb0d32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-caret-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Disability <\/b> \u2013 It will depend on your insured wages in the basic claim year. The minimum benefit is $12.00 per week and maximum benefit is $113.00. It covers from the first (1st) day of hospitalization or, if there is none, from the eighth (8th) day of disability; up to a maximum of 26 weeks.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-caret-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Death<\/b> \u2013 maximum benefit of $4,000, prorated among the deceased employee's direct dependents, plus any benefits owed to the former.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-caret-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Dismemberment<\/b> \u2013 benefits, depending on the loss (arm, foot, hand, finger, vision), range between $2,000 and $4,000.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ea7d197 elementor-reverse-mobile tab1 tab-content  tab-content--active elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"1ea7d197\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dcaa205\" data-id=\"dcaa205\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46dc4d0c elementor-widget elementor-widget-heading\" data-id=\"46dc4d0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Are there additional\nor improved coverages?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72693a68 elementor-widget elementor-widget-text-editor\" data-id=\"72693a68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes, TOLIC\u2019s private SINOT plan has enhanced coverages to those provided by Law (statutory benefits), and additional coverages such as: funeral service and accidental death.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6a22e579\" data-id=\"6a22e579\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d09b064 elementor-widget elementor-widget-image\" data-id=\"2d09b064\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"570\" height=\"214\" src=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/shutterstock-1716851092.png\" class=\"attachment-large size-large wp-image-5329\" alt=\"\" srcset=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/shutterstock-1716851092.png 570w, https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/shutterstock-1716851092-300x113.png 300w\" sizes=\"(max-width: 570px) 100vw, 570px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43dab9d7 elementor-reverse-mobile tab1 tab-content  tab-content--active elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"43dab9d7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5518431c\" data-id=\"5518431c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c10845e elementor-widget elementor-widget-image\" data-id=\"6c10845e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"570\" height=\"602\" src=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/10\/tolic_sinot_img_2.png\" class=\"attachment-large size-large wp-image-1712\" alt=\"\" srcset=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/10\/tolic_sinot_img_2.png 570w, https:\/\/tolic.com\/wp-content\/uploads\/2022\/10\/tolic_sinot_img_2-284x300.png 284w\" sizes=\"(max-width: 570px) 100vw, 570px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-205cc7cd\" data-id=\"205cc7cd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-679c59b3 elementor-widget elementor-widget-heading\" data-id=\"679c59b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do you start\nthe benefits claim process?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10d3de82 elementor-widget elementor-widget-text-editor\" data-id=\"10d3de82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Simple.<\/strong> The process begins by completing the claim forms that TOLIC will provide to the employee in a timely manner through you as employer or through the assistance of your Producer or Authorized Insurance Representative. Once completed, they are shared with our offices by mail or in-person filing, taking into consideration the following according to the type of claim:<\/p>\n<ul>\n<li><strong>Disability <\/strong> \u2013 the employee has three (3) months from the beginning of the disability to file their claim.<\/li>\n<li><strong>Death<\/strong> &#8211; this benefit must be claimed within six (6) months from the date of death of the insured employee.<\/li>\n<li><strong>Dismemberment<\/strong> \u2013 the employee has six (6) months from the date of dismemberment to file their claim.<\/li>\n<\/ul>\n<p>It is important to file your claim within one (1) year from the date of disability, dismemberment, or death to be considered entitled to SINOT benefits.<\/p>\n<p><strong>At TOLIC, we have the ease of payment of claims by check or direct deposit to the insured employee\u2019s bank account.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1bbf3c8 tab1 tab-content  tab-content--active elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"1bbf3c8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-51499204\" data-id=\"51499204\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3081d38e elementor-widget elementor-widget-heading\" data-id=\"3081d38e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NOTICE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82cdccf elementor-widget elementor-widget-text-editor\" data-id=\"82cdccf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This information is only a summary of benefits. For more details on limitations, exclusions and eligibility, refer to the Policy.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1eb4b3be elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"1eb4b3be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/tolic.com\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">request more information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Private Temporary Non-Occupational Disability Insurance Plan A product for employers, producers and authorized representatives. Contact Us Employers Producer and Authorized Representative Employers Patronos Contamos con Plan Privado de Seguro por Incapacidad No Ocupacional Temporal, SINOT, para todos sus empleados. \u00a1CONT\u00c1CTANOS AHORA! \u00bfQui\u00e9nes somos? Trans-Oceanic Life Insurance Company, mejor conocida como TOLIC, es una compa\u00f1\u00eda netamente [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":1889,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4595","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SINOT - TOLIC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tolic.com\/en\/services\/sinot\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SINOT - TOLIC\" \/>\n<meta property=\"og:description\" content=\"Private Temporary Non-Occupational Disability Insurance Plan A product for employers, producers and authorized representatives. Contact Us Employers Producer and Authorized Representative Employers Patronos Contamos con Plan Privado de Seguro por Incapacidad No Ocupacional Temporal, SINOT, para todos sus empleados. \u00a1CONT\u00c1CTANOS AHORA! \u00bfQui\u00e9nes somos? Trans-Oceanic Life Insurance Company, mejor conocida como TOLIC, es una compa\u00f1\u00eda netamente [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tolic.com\/en\/services\/sinot\/\" \/>\n<meta property=\"og:site_name\" content=\"TOLIC\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/tolicpr\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-29T15:20:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tolic.com\/wp-content\/uploads\/2022\/12\/capa-1573.png\" \/>\n\t<meta property=\"og:image:width\" content=\"495\" \/>\n\t<meta property=\"og:image:height\" content=\"257\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/services\\\/sinot\\\/\",\"url\":\"https:\\\/\\\/tolic.com\\\/en\\\/services\\\/sinot\\\/\",\"name\":\"SINOT - TOLIC\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/services\\\/sinot\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/services\\\/sinot\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/tolic.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/capa-1573.png\",\"datePublished\":\"2022-10-11T02:37:02+00:00\",\"dateModified\":\"2025-12-29T15:20:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/services\\\/sinot\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/tolic.com\\\/en\\\/services\\\/sinot\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/services\\\/sinot\\\/#primaryimage\",\"url\":\"https:\\\/\\\/tolic.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/capa-1573.png\",\"contentUrl\":\"https:\\\/\\\/tolic.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/capa-1573.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/services\\\/sinot\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/tolic.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Products\",\"item\":\"https:\\\/\\\/tolic.com\\\/en\\\/servicios\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"SINOT\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/tolic.com\\\/en\\\/\",\"name\":\"TOLIC\",\"description\":\"Trans-Oceanic Life Insurence Company\",\"publisher\":{\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/tolic.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/#organization\",\"name\":\"TOLIC\",\"url\":\"https:\\\/\\\/tolic.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/tolic.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/Logo-TOLIC-01.png\",\"contentUrl\":\"https:\\\/\\\/tolic.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/Logo-TOLIC-01.png\",\"width\":3556,\"height\":1362,\"caption\":\"TOLIC\"},\"image\":{\"@id\":\"https:\\\/\\\/tolic.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/tolicpr\",\"https:\\\/\\\/www.instagram.com\\\/tolicpr\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/trans-oceanic-life-insurance-tolic-pr\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"SINOT - TOLIC","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/tolic.com\/en\/services\/sinot\/","og_locale":"en_US","og_type":"article","og_title":"SINOT - TOLIC","og_description":"Private Temporary Non-Occupational Disability Insurance Plan A product for employers, producers and authorized representatives. 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