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Puerto Rico Workers' Compensation

Home / Puerto Rico Workers’ Compensation

Who Must Carry Coverage

  • Virtually all employers in Puerto Rico are required to provide workers’ compensation coverage through the Puerto Rico State Insurance Fund (CFSE).
  • Coverage is mandatory regardless of the number of employees.

No-Fault System

  • Puerto Rico workers’ compensation is a no-fault system administered exclusively through the State Insurance Fund (CFSE), meaning injured employees may receive benefits regardless of who caused the injury.

Reporting an Injury & Time Limits

  • A work-related injury must be reported to the employer immediately or as soon as possible.
  • The general statute of limitations to file a formal claim is one year from the date of injury.

Income & Medical Benefits

  • All medical treatment is provided exclusively through the State Insurance Fund (CFSE).
  • Disability benefits are provided based on the degree of disability and the employee’s wages.
  • Compensation for permanent disability or death benefits, if applicable.

Protection From Retaliation

An injured employee cannot be terminated or discriminated against for filing a workers’ compensation claim.

Choice of Treating Physician

  • All medical care is provided exclusively through the State Insurance Fund (CFSE) physicians and facilities.
  • Employees do not have the right to choose their own treating physician outside the CFSE network.

Independent Medical Examination (IME)

  • Medical evaluations are conducted within the CFSE system.
  • If there is a dispute, employees may seek a review within the CFSE administrative process.
  • Contact Doctors’ Council if you would like assistance navigating the process.