Puerto Rico Workers' Compensation Laws

Report the work-related injury or illness to your employer as soon as possible. The employer must then file a report with the CFSE within 5 business days.

If your employer does not file the report, you can file a claim directly with the CFSE. For injuries, file within 2 years. For occupational diseases, file within 3 years of diagnosis.

All employers in Puerto Rico must carry workers' compensation insurance through the CFSE — the sole and exclusive provider. This includes employers of independent contractors unless the contractor already has their own CFSE policy. No private workers' comp insurers are permitted.

Temporary disability benefits pay two-thirds (66.67%) of the worker's average weekly wage at the time of injury. The minimum weekly benefit is $100 and the maximum is $300. The maximum payable period is 312 weeks, with a maximum total of $32,400.

Employers who maintain active CFSE coverage are granted immunity from civil tort claims by covered workers for work-related injuries. This employer immunity is a fundamental trade-off of the workers' compensation system.

The CFSE provides comprehensive medical services including specialized medical care, physical rehabilitation, and related treatment for work-related injuries and occupational diseases. Workers receive treatment through CFSE-affiliated providers.

Employers must file an Annual Payroll Statement (Form FSE 693) with the CFSE on or before July 20 each year, reporting the number of employees, their occupation classifications, and total wages paid during the preceding fiscal year ending June 30.