Easily manage employment in Puerto Rico

Want to employ workers in Puerto Rico? Companies hiring in Puerto Rico are typically required to either own a local legal entity or work with a global employment platform like Remote that can legally provide employment services in the country.

Remote can employ team members in Puerto Rico and keep you compliant. Remote can hire, onboard, and pay your Puerto Rico team so you don't have to set up local HR services in the region. Remote also makes it easy to pay contractors in Puerto Rico. Sign up now to get started or talk to an expert for more details.

Remote Benefits Plans

At Remote, we provide tailored benefits to ensure that all Remote employees receive comprehensive coverage from top providers. Our plans offer competitive rates designed for larger groups - even if the team is still growing!

Upon onboarding, Remote will enroll team members in their benefits and provide detailed information about their coverage. Remote manages all administrative tasks, allowing you to focus on scaling your global team.

To ensure benefit equality, any benefits offered will apply to all team members in the country, providing consistent coverage and support across the team.

Business Travel Insurance

Remote’s Global Business Travel Insurance program is crafted to address the unique needs of your team, whether they are embarking on short business trips or traveling extensively throughout the year. With five comprehensive plan options—Basic, Standard, Premium, Premium Plus, and Standard Plus—this program ensures that your team members have the right level of coverage to protect their health, safety, and well-being while traveling for business.

Available in over 90 countries, the program provides extensive global coverage at competitive rates, offering peace of mind no matter where their work takes them. This optional benefit is designed to be flexible, allowing you to offer tailored coverage that meets the diverse needs of your workforce. By providing business travel insurance, you are taking proactive steps to safeguard your team from unforeseen events such as medical emergencies, trip disruptions, or loss of business equipment while they are on the road.

Basic

Coverages (values in USD):

• Emergency & Accidental Medical: $1,000,000

• Repatriation for Medical Treatment: 100% per trip

• Emergency Medical Evacuation: $100,000

• Repatriation of Mortal Remains: $25,000 per trip

• Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Standard

Coverages (values in USD):

• Excludes Medical & Evacuation

• Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips

• Personal Liability: $100,000 per trip

• Accidental Death & Permanent Total Disability: $100,000 per trip

• Loss of Passport: $250 per trip

• Legal Expenses: $10,000 per trip

• Hijacking: $1,000 per trip

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Standard Plus

Coverages (values in USD):

• Emergency & Accidental Medical: $1,000,000

• Repatriation for Medical Treatment: 100% per trip

• Emergency Medical Evacuation: $100,000

• Repatriation of Mortal Remains: $25,000 per trip

• Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000

• Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips

• Personal Liability: $100,000 per trip

• Accidental Death & Permanent Total Disability: $100,000 per trip

• Loss of Passport: $250 per trip

• Legal Expenses: $10,000 per trip

• Hijacking: $1,000 per trip

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Premium Plus

Coverages (values in USD):

• Emergency & Accidental Medical: $1,000,000

• Repatriation for Medical Treatment: 100% per trip

• Emergency Medical Evacuation: $100,000

• Repatriation of Mortal Remains: $25,000 per trip

• Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000

• Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips

• Personal Liability: $100,000 per trip

• Accidental Death & Permanent Total Disability: $100,000 per trip

• Loss of Passport: $250 per trip

• Legal Expenses: $10,000 per trip

• Hijacking: $1,000 per trip

• Cancellation & Curtailment: $2,000 per trip; subject to $100 deductible per Trip *Benefit not available to residents of the USA

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Premium

Coverages (values in USD):

• Excludes Medical & Evacuation

• Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips

• Personal Liability: $100,000 per trip

• Accidental Death & Permanent Total Disability: $100,000 per trip

• Loss of Passport: $250 per trip

• Legal Expenses: $10,000 per trip

• Hijacking: $1,000 per trip

• Cancellation & Curtailment: $2,000 per trip; subject to $100 deductible per Trip *Benefit not available to residents of the USA

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Health Benefits

Providing health insurance in this country may not be mandatory, but offering robust health benefits can significantly elevate your employees’ healthcare experience—ensuring prompt access to top-tier providers and reducing wait times. Through our Global Health Insurance scheme, offered in partnership with one of the world’s leading insurance providers, Remote now presents four comprehensive plan options: Standard, Premium, Gold, and Platinum. • Standard delivers essential health coverage, ensuring a solid foundation for inpatient and outpatient needs. • Premium builds on this by adding dental and vision benefits for enhanced overall care. • Gold and Platinum tiers introduce significantly higher coverage limits and additional services, ideal for those seeking even more comprehensive protection. We also offer flexible options to cover the employee alone or extend benefits to their spouse/partner and children through our Family Coverage option—tailored to meet the diverse needs of your team. If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide

here

!

International Standard

In-Patient Benefits

Coverage Limit: $1,000,000

• Hospital Accommodation: Private room

• Intensive Care: Full coverage

• Prescription Drugs and Materials: Full coverage

• Surgical Fees (including anesthesia and charges): Full coverage

• Physician and Therapist Fees: Full coverage

• Surgical Appliances and Materials: Full coverage

• Diagnostic Tests: Full coverage

• Organ Transplant: Full coverage

• Psychiatry and Psychotherapy: Full coverage

• Parent Accommodation (for children under 18): Full coverage

• Emergency In-Patient Dental Treatment: Full coverage

• Day-Care Treatment: Full coverage

• Kidney Dialysis: Full coverage

• Out-Patient Surgery: Full coverage

• Nursing at Home or Convalescent Home: Up to $3,375

• Rehabilitation Treatment: Up to $3,375

• Local Ambulance: Full coverage

• Emergency Treatment Outside Area of Cover: Up to $50,000

• Medical Evacuation: Full coverage

• Expenses for Accompanying Evacuation: Up to $2,700

• Travel Costs for Family Members (Evacuation): Up to $2,700

• Repatriation of Mortal Remains: Up to $13,500

• Travel Costs for Family (Repatriation): Up to $4,050

• CT and MRI Scans: Full coverage

• PET and CT-PET Scans: Full coverage

• Oncology: Full coverage

• Purchase of Wig/Prosthetic Bra: Up to $270

• Routine Maternity: Up to $6,000

• Complications of Pregnancy/Childbirth: Up to $13,500

• In-Patient Cash Benefit: $205 per night (max 25 nights)

• Emergency Out-Patient Treatment: Full coverage

• Palliative Care: Full coverage

• Long Term Care: Full coverage (max 90 days)

• HIV/AIDS Treatment: Full coverage

Out-Patient Benefits

Coverage Limit: $3,500

• Maximum Plan Benefit: $3,500

• Deductible: $135

• Medical Practitioner Fees & Prescription Drugs: Up to $1,350

• Diagnostic Tests: Full coverage

• Video Consultation Services: Full coverage

• Specialist Fees: Full coverage

• Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage

• Prescribed Physiotherapy: Up to $600

• Non-Prescribed Physiotherapy: Up to 10 visits

• Prescribed Speech Therapy and Occupational Therapy: Up to $1,520

• Vaccinations: Up to $300

• Infertility Treatment: Up to $16,000

• Psychiatry and Psychotherapy: Max 10 visits

• Prescribed Medical Aids: Up to $675

• Prescribed Glasses and Contact Lenses: Not covered

• Hormone Replacement Therapy: Full coverage

• Cancer Screening (see details below): Up to $300

• Annual pap smear

• Mammogram (every two years for women aged 45+, or younger where a family history exists)

• Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)

• Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)

• Annual faecal occult blood test

• BRCA1 and BRCA2 genetic test (where a direct family history exists)

• Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $300

• Physical examination

• Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)

• Cardiovascular examination (physical examination, electrocardiogram, blood pressure)

• Neurological examination (physical examination)

• Bone densitometry (every five years for women aged 50+)

• Well child test (for children up to the age of six years)

The Standard tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.

Dental Benefits

Not covered

Vision Benefits

Not covered

Co-pay and Deductible

• Co-pay: None

• Outpatient Deductible: $135

Family Coverage

You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/parter and children.

International Premium

In-Patient Benefits

Coverage Limit: $1,000,000

• Hospital Accommodation: Private room

• Intensive Care: Full coverage

• Prescription Drugs and Materials: Full coverage

• Surgical Fees (including anesthesia and charges): Full coverage

• Physician and Therapist Fees: Full coverage

• Surgical Appliances and Materials: Full coverage

• Diagnostic Tests: Full coverage

• Organ Transplant: Full coverage

• Psychiatry and Psychotherapy: Full coverage

• Parent Accommodation (for children under 18): Full coverage

• Emergency In-Patient Dental Treatment: Full coverage

• Day-Care Treatment: Full coverage

• Kidney Dialysis: Full coverage

• Out-Patient Surgery: Full coverage

• Nursing at Home or Convalescent Home: Up to $3,375

• Rehabilitation Treatment: Up to $3,375

• Local Ambulance: Full coverage

• Emergency Treatment Outside Area of Cover: Up to $50,000

• Medical Evacuation: Full coverage

• Expenses for Accompanying Evacuation: Up to $2,700

• Travel Costs for Family Members (Evacuation): Up to $2,700

• Repatriation of Mortal Remains: Up to $13,500

• Travel Costs for Family (Repatriation): Up to $4,050

• CT and MRI Scans: Full coverage

• PET and CT-PET Scans: Full coverage

• Oncology: Full coverage

• Purchase of Wig/Prosthetic Bra: Up to $270

• Routine Maternity: Up to $6,000

• Complications of Pregnancy/Childbirth: Up to $13,500

• In-Patient Cash Benefit: $205 per night (max 25 nights)

• Emergency Out-Patient Treatment: Full coverage

• Palliative Care: Full coverage

• Long Term Care: Full coverage (max 90 days)

• HIV/AIDS Treatment: Full coverage

• Treatment for Alcohol and Drug Addiction: Up to $5,000

• Gender Dysphoria Services: Up to $25,000 per lifetime

Out-Patient Benefits

Coverage Limit: $5,060

• Maximum Plan Benefit: $5,060

• Deductible: None

• Medical Practitioner Fees: Up to $1,350

• Prescription Drugs: Full coverage

• Diagnostic Tests: Full coverage

• Video Consultation Services: Full coverage

• Specialist Fees: Full coverage

• Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage

• Prescribed Physiotherapy: Up to $600

• Non-Prescribed Physiotherapy: Up to 10 visits

• Prescribed Speech Therapy and Occupational Therapy: Up to $1,520

• Vaccinations: Up to $500

• Health and Wellbeing Checks: See details below

• Infertility Treatment: Up to $16,000

• Psychiatry and Psychotherapy: Max 10 visits

• Prescribed Medical Aids: Up to $675

• Prescribed Glasses and Contact Lenses: Up to $250

• Hormone Replacement Therapy: Full coverage

• Cancer Screening (see details below): Up to $500

• Annual pap smear

• Mammogram (every two years for women aged 45+, or younger where a family history exists)

• Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)

• Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)

• Annual faecal occult blood test

• BRCA1 and BRCA2 genetic test (where a direct family history exists)

• Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $500

• Physical examination

• Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)

• Cardiovascular examination (physical examination, electrocardiogram, blood pressure)

• Neurological examination (physical examination)

• Bone densitometry (every five years for women aged 50+)

• Well child test (for children up to the age of six years)

The Premium tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.

Dental Benefits

Coverage Limit: $1,000

• Preventative Dental Treatment: 100% refund

• Routine Dental Treatment: Full coverage

• Major Restorative Dental Treatment: Full coverage

• Periodontics: Full coverage

Vision Benefits

• Prescribed Glasses and Contact Lenses: Up to $250, including eye examination

Co-pay and Deductible

• Co-pay: None

• Deductible: None

Family Coverage

You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.

International Gold

In-Patient Benefits

Coverage Limit: $2,500,000

• Hospital Accommodation: Private room

• Intensive Care: Full coverage

• Prescription Drugs and Materials: Full coverage

• Surgical Fees (including anesthesia and charges): Full coverage

• Physician and Therapist Fees: Full coverage

• Surgical Appliances and Materials: Full coverage

• Diagnostic Tests: Full coverage

• Organ Transplant: Full coverage

• Psychiatry and Psychotherapy: Full coverage

• Parent Accommodation (for children under 18): Full coverage

• Emergency In-Patient Dental Treatment: Full coverage

• Day-Care Treatment: Full coverage

• Kidney Dialysis: Full coverage

• Out-Patient Surgery: Full coverage

• Nursing at Home or Convalescent Home: Up to $3,375

• Rehabilitation Treatment: Up to $3,375

• Local Ambulance: Full coverage

• Emergency Treatment Outside Area of Cover: Up to $50,000

• Medical Evacuation: Full coverage

• Expenses for Accompanying Evacuation: Up to $2,700

• Travel Costs for Family Members (Evacuation): Up to $2,700

• Repatriation of Mortal Remains: Up to $13,500

• Travel Costs for Family (Repatriation): Up to $4,050

• CT and MRI Scans: Full coverage

• PET and CT-PET Scans: Full coverage

• Oncology: Full coverage

• Purchase of Wig/Prosthetic Bra: Up to $270

• Routine Maternity: Up to $6,000

• Complications of Pregnancy/Childbirth: Up to $13,500

• In-Patient Cash Benefit: $205 per night (max 25 nights)

• Emergency Out-Patient Treatment: Full coverage

• Palliative Care: Full coverage

• Long Term Care: Full coverage (max 90 days)

• HIV/AIDS Treatment: Full coverage

• Treatment for Alcohol and Drug Addiction: Up to $15,000

• Gender Dysphoria Services: Up to $50,000 per lifetime

Out-Patient Benefits

Coverage Limit: $6,000

• Maximum Plan Benefit: $6,000

• Deductible: None

• Medical Practitioner Fees: Up to $1,350

• Prescription Drugs: Full coverage

• Diagnostic Tests: Full coverage

• Video Consultation Services: Full coverage

• Specialist Fees: Full coverage

• Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage

• Prescribed Physiotherapy: Up to $1,275

• Non-Prescribed Physiotherapy: Up to 10 visits

• Prescribed Speech Therapy and Occupational Therapy: Up to $1,520

• Vaccinations: Up to $300

• Health and Wellbeing Checks: See details below

• Infertility Treatment: Up to $16,000

• Psychiatry and Psychotherapy: Max 20 visits

• Prescribed Medical Aids: Up to $675

• Prescribed Glasses and Contact Lenses: Up to $250

• Hormone Replacement Therapy: Full coverage

• Cancer Screening (see details below): Up to $300

• Annual pap smear

• Mammogram (every two years for women aged 45+, or younger where a family history exists)

• Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)

• Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)

• Annual faecal occult blood test

• BRCA1 and BRCA2 genetic test (where a direct family history exists)

• Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $300

• Physical examination

• Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)

• Cardiovascular examination (physical examination, electrocardiogram, blood pressure)

• Neurological examination (physical examination)

• Bone densitometry (every five years for women aged 50+)

• Well child test (for children up to the age of six years)

The Gold tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.

Dental Benefits

Coverage Limit: $1,000

• Preventative Dental Treatment: 100% refund

• Routine Dental Treatment: Full coverage

• Major Restorative Dental Treatment: Full coverage

• Periodontics: Full coverage

Vision Benefits

• Prescribed Glasses and Contact Lenses: Up to $250, including eye examination

Co-pay and Deductible

• Co-pay: None

• Deductible: None

Family Coverage

You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.

International Platinum

In-Patient Benefits

Coverage Limit: $5,000,000

• Hospital Accommodation: Private room

• Intensive Care: Full coverage

• Prescription Drugs and Materials: Full coverage

• Surgical Fees (including anesthesia and charges): Full coverage

• Physician and Therapist Fees: Full coverage

• Surgical Appliances and Materials: Full coverage

• Diagnostic Tests: Full coverage

• Organ Transplant: Full coverage

• Psychiatry and Psychotherapy: Full coverage

• Parent Accommodation (for children under 18): Full coverage

• Emergency In-Patient Dental Treatment: Full coverage

• Day-Care Treatment: Full coverage

• Kidney Dialysis: Full coverage

• Out-Patient Surgery: Full coverage

• Nursing at Home or Convalescent Home: Up to $3,375

• Rehabilitation Treatment: Up to $3,375

• Local Ambulance: Full coverage

• Emergency Treatment Outside Area of Cover: Up to $50,000

• Medical Evacuation: Full coverage

• Expenses for Accompanying Evacuation: Up to $2,700

• Travel Costs for Family Members (Evacuation): Up to $2,700

• Repatriation of Mortal Remains: Up to $13,500

• Travel Costs for Family (Repatriation): Up to $4,050

• CT and MRI Scans: Full coverage

• PET and CT-PET Scans: Full coverage

• Oncology: Full coverage

• Purchase of Wig/Prosthetic Bra: Up to $270

• Routine Maternity: Up to $10,000

• Complications of Pregnancy/Childbirth: Up to $50,000

• In-Patient Cash Benefit: $205 per night (max 25 nights)

• Emergency Out-Patient Treatment: Full coverage

• Palliative Care: Full coverage

• Long Term Care: Full coverage (max 90 days)

• HIV/AIDS Treatment: Full coverage

• Treatment for Alcohol and Drug Addiction: Up to $15,000

• Gender Dysphoria Services: Up to $50,000 per lifetime

Out-Patient Benefits

Coverage Limit: $15,000

• Maximum Plan Benefit: $15,000

• Deductible: None

• Medical Practitioner Fees: Full coverege

• Prescription Drugs: Full coverage

• Diagnostic Tests: Full coverage

• Video Consultation Services: Full coverage

• Specialist Fees: Full coverage

• Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage

• Prescribed Physiotherapy: Up to $2,500

• Non-Prescribed Physiotherapy: Up to 20 visits

• Prescribed Speech Therapy and Occupational Therapy: Up to $1,520

• Vaccinations: Up to $500

• Health and Wellbeing Checks: See details below

• Infertility Treatment: Up to $16,000

• Psychiatry and Psychotherapy: Max 30 visits

• Prescribed Medical Aids: Up to $675

• Prescribed Glasses and Contact Lenses: Up to $500

• Hormone Replacement Therapy: Full coverage

• Cancer Screening (see details below): Up to $500

• Annual pap smear

• Mammogram (every two years for women aged 45+, or younger where a family history exists)

• Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)

• Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)

• Annual faecal occult blood test

• BRCA1 and BRCA2 genetic test (where a direct family history exists)

• Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $500

• Physical examination

• Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)

• Cardiovascular examination (physical examination, electrocardiogram, blood pressure)

• Neurological examination (physical examination)

• Bone densitometry (every five years for women aged 50+)

• Well child test (for children up to the age of six years)

The Platinum tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.

Dental Benefits

Coverage Limit: $2,500

• Preventative Dental Treatment: 100% refund

• Routine Dental Treatment: Full coverage

• Major Restorative Dental Treatment: Full coverage

• Periodontics: Full coverage

Vision Benefits

• Prescribed Glasses and Contact Lenses: Up to $500, including eye examination

Co-pay and Deductible

• Co-pay: None

• Deductible: None

Family Coverage

You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.

Life Insurance

Offering life insurance is not mandatory in this country, but providing these additional benefits can significantly enhance the financial security and peace of mind for employees. The Global Life Insurance offering provides flexible coverage levels ranging from $50,000 to $600,000, tailored to meet the diverse needs and budgets of the company and its employees. This benefit includes two options: The Basic Offering provides Life Insurance coverage. In the unfortunate event of an employee’s demise, their beneficiary will receive a payout equivalent to up to 6 times the employee’s annual salary. However, this compensation is capped at a maximum of the selected cover limit. This means that the payout will not exceed the cover limit applicable, regardless of the employee’s salary. The Comprehensive Offering at Remote combines Life Insurance, Accidental Death & Dismemberment (AD&D), and Permanent Disability (PD) coverage. In cases of accidental death, dismemberment, or a permanent disability, the compensation is equivalent to up to 5 times the employee’s annual salary, subject to a predetermined limit. This compensation is capped at a maximum cover limit provided by Remote. The payout will not exceed the applicable cover limit, regardless of the employee’s salary. It is essential to be aware that in certain countries, insurance premium taxes may be applicable. This means taxes may be due to the company for the monthly premiums paid towards the life insurance coverage for employees. Additionally, life insurance benefits may be categorized as ‘Benefits in Kind’ (BIK). This categorization means that the monthly premiums paid for the life insurance coverage might be counted as part of the employee’s taxable income according to the local tax laws. When life insurance benefits are offered, they must be provided equally to all employees in the respective country.

Basic

Life Insurance

Cover Level: Options ranging from $50,000 to $600,000

• Provides financial protection and security for beneficiaries after the death of an insured team member.

• In the unfortunate event of a team member’s demise, beneficiary compensation cannot exceed 6 times the team member’s annual salary or the chosen cover level (whichever is lower).

• Example: See help article for details

Accidental Death & Dismemberment (AD&D):

Not covered

Permanent Disability

Not covered

Comprehensive

Life Insurance

Cover Level: Options ranging from $50,000 to $600,000

• Provides financial protection and security for beneficiaries after the death of an insured team member.

• In the unfortunate event of a team member’s demise, beneficiary compensation cannot exceed 6 times the team member’s annual salary or the chosen cover level (whichever is lower).

Accidental Death & Dismemberment (AD&D):

• Offers financial protection to beneficiaries in the unfortunate events of an insured team member's accidental death or dismemberment.

• Compensation cannot exceed 5 times the team member's annual salary or the chosen cover level (whichever is lower). The exact payout varies depending on the type of injury sustained, as specified in the Accidental Dismemberment Table.

Permanent Disability

• Designed to offer financial support to insured team members who suffer from either permanent and total or permanent and partial disabilities as a result of an accident or illness.

• Compensation cannot exceed 5 times the team member's annual salary or the chosen cover level (whichever is lower). The insurance provider assesses the extent of the permanent disability to determine the final compensation:

• Disabilities below 33.33%: No compensation

• Disabilities between 33.33% and 66.67%: Compensation calculated as a percentage of the capped amount

• Permanent disabilities exceeding 66.67%: Full capped compensation amount

For detailed examples of how the compensation is calculated for Life Insurance, Accidental Death & Dismemberment (AD&D), and Permanent Disability, refer to the help article for details

If you have any questions, please email [email protected].

Mental Health

Offering mental health benefits is not mandatory in this country, but providing the benefit can significantly enhance the emotional well-being and overall productivity of employees. Remote offers a comprehensive employee mental wellbeing platform in partnership with one of the top-rated employee mental wellbeing providers. This platform is available on desktop and mobile apps and includes 1-to-1 therapy with a curated pool of top-quality therapists in over 35 languages. The advanced matching service finds each employee the right therapist within 48 hours, boasting a 98% success rate. Employees receive a personal wellbeing profile with tailored recommendations and information to track progress. The platform also offers a curated self-guided content library with audio mindfulness and meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers. Additionally, there are 24/7 mental health helplines for immediate support when an employee is struggling. Mental health program benefits may be offered to the employees from among 5 different plans. Offering mental health benefits is optional, but it can greatly enhance employee well-being and productivity. It is essential to be aware that in certain countries, mental health benefits may be categorized as ‘Benefits in Kind’ (BIK). This categorization means that the monthly premiums paid for the benefit might be counted as part of the employee’s taxable income according to the local tax laws. When mental health benefits are offered, they must be provided equally to all employees in the respective country.

Basic

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Not included in the Basic plan

• Team members can pay for therapy sessions themselves, if needed.

Standard

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Includes one pre-paid Therapy/Coaching session per policy year

• Team members can pay for extra therapy sessions themselves, if needed.

Plus

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Includes three pre-paid Therapy/Coaching sessions per policy year

• Team members can pay for extra therapy sessions themselves, if needed.

Premium

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Includes six pre-paid Therapy/Coaching sessions per policy year

• Team members can pay for extra therapy sessions themselves, if needed.

Platinum

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Includes twelve pre-paid Therapy/Coaching sessions per policy year

• Team members can pay for extra therapy sessions themselves, if needed.

Wellness

Wellness Benefit

Clients can choose to offer the Wellness & Lifestyle Benefit and select from multiple contribution levels, providing their team members a monthly wallet, which they can use with their virtual card at approved stores, online retailers, or any other approved vendors related to Lifestyle and Wellness benefits. The offered services include:

• Physical and mental health support such as gym memberships, fitness classes, therapy, mindfulness apps, and guided meditation.

• Lifestyle services like streaming subscriptions (Spotify, Netflix), groceries, and other services that support work-life balance and personal well-being.

• Personalized recommendations to help employees select benefits most relevant to their needs.

• Platform support for employees needing immediate assistance or guidance on wellness-related concerns.

The available contributions are:

• $25 USD

• $50 USD

• $100 USD

• $150 USD

• $200 USD

• $250 USD

• $300 USD

Contractor management in Puerto Rico

Hiring contractors in Puerto Rico can be a strategic and cost-effective way for businesses to complete projects without the obligations of hiring full-time employees. Whether you are engaging independent contractors for specialized services or bringing in subcontractors for various tasks, understanding Puerto Rico’s laws and federal regulations is essential.

Staying compliant with Remote’s contractor management

Remote helps businesses stay compliant when hiring contractors globally with these key features:

• Global compliance support: Ensures adherence to labor laws in 200+ countries with localized contracts and proper documentation.

• Misclassification protection: Includes built-in compliance checks and seamless contractor-to-employee conversion.

• Centralized documentation: Maintains essential records for audits and automates tax filings.

• Legal expertise: Provides guidance on complex local labor laws, simplifying international hiring.

Remote’s streamlined approach minimizes compliance risks and simplifies contractor management for businesses.

Seamless contractor payments with Remote

Remote simplifies contractor payments with:

• Automated processing: One-click approvals, bulk payments, recurring invoices, and real-time tracking.

• Global coverage: Payments in 200+ countries, multiple payment methods, and currency flexibility.

• Cost and compliance: Fair price guarantee (pay only for active contractors), built-in compliance with regional regulations, and localized contracts.

Learn more about how Remote simplifies contractor management in Puerto Rico — get started for free today.

Employer of record in Puerto Rico

Our employer of record (EOR) service enables you to hire, manage, and pay top talent in Puerto Rico with speed and simplicity.

What is an EOR — and how does it work?

Remote’s EOR allows your company to legally hire employees in Puerto Rico without having to set up a local legal entity. On paper, Remote is the official employer, and we handle compliance, payroll, benefits (including equity), and other HR processes — but you maintain full control over the hire’s day-to-day management and work responsibilities.

Who should consider using an EOR in Puerto Rico?

An EOR may be ideal if your company:

• Needs to hire employees in Puerto Rico but doesn’t want to establish a legal entity

• Is testing local markets before committing to a full business expansion

• Wants to ensure full compliance with local employment laws and tax requirements

• Needs a fast, cost-effective way to onboard employees in Puerto Rico

• Needs a temporary hiring solution before establishing a legal entity

Why use Remote’s EOR in Puerto Rico?

If your company wants to hire talent in Puerto Rico but doesn't have a legal entity there, our EOR provides a fully compliant and efficient solution. Puerto Rico has strict employment and payroll tax laws, and our EOR service ensures you meet these legal obligations while enabling you to grow quickly.

Key benefits of hiring through our EOR in Puerto Rico include:

• Faster market entry. You can hire talent quickly, without having to wait months to establish a local entity.

• Full compliance with local employment laws. Avoid the legal risks associated with non-compliance and misclassification.

• Simplified payroll management. We automate payroll tax calculations and ensure you are fully compliant with all withholding obligations, even when laws change.

• Lower costs. Setting up a legal entity in Puerto Rico can be costly and time-consuming. An EOR eliminates the need for entity registration, reducing overhead expenses.

• Fewer resources required. With HR, payroll, and compliance managed by the EOR, your company can concentrate on scaling operations and assigning your resources elsewhere.

It’s also crucial to note that, at Remote, we own our own legal entity in Puerto Rico. As a result, we don’t need to rely on third parties, which can incur delays and extra costs, and result in a negative employee experience. All our EOR services — including the dedicated support of our local specialists — are provided in-house.

To learn more — and to see our EOR platform in action — book a demo with one of our friendly experts today.