El Administrador, con la aprobación de la Junta, establecerá un programa de beneficios por incapacidad, el cual proveerá una anualidad temporera en caso de incapacidad total y permanente. Los beneficios por incapacidad podrán ser provistos a través de uno o más contratos de seguro por incapacidad con una o más compañías de seguro autorizadas a hacer negocios en Puerto Rico por el Comisionado de Seguros de Puerto Rico. La determinación de si una persona está parcial o total y permanentemente incapacitada será hecha por la compañía de seguros que emita la póliza de seguro cubriendo a la persona. Todos los participantes del Programa que sean empleados se acogerán al programa de beneficio por incapacidad en la manera y forma que establezca el Administrador.
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