P4 Software / cifraHQ

Overview

Fondo de Incapacidad

Panama's labor law entitles every employee to 18 paid sick-leave days per calendar year (Art. 199 Codigo de Trabajo). CifraHQ tracks each medical certificate, computes the employer/CSS split per cause, and maintains an annual balance per employee.

Where to find it

  • Balances: Go to Payroll > Incapacity > Balances
  • Certificates: Go to Payroll > Incapacity > Certificates
  • Policy: Go to Payroll > Incapacity > Policy

Law Article Rule
Codigo de Trabajo Art. 199 Employer must pay up to 18 working days per year of sick leave; employer pays 50% of daily salary during the waiting period
Ley 51 de 2005 Art. 144 CSS pays a "subsidio de enfermedad" once the employer waiting period ends; CSS pays at 60% of the cotizable wage
Decreto Ejecutivo 1 de 1954 Art. 8 Medical certificate required within 48 hours for absences beyond 2 days

The 18-day annual allotment is a minimum. An employer may configure a higher allotment in the Incapacity Policy. The allotment cannot be reduced below 18.


Causes and employer waiting periods

The number of days the employer is responsible for depends on the cause stated on the medical certificate:

Cause Employer waiting days CSS kicks in
Common illness (enfermedad comun) 3 days Day 4 onward
Maternity 14 days Day 15 onward
Occupational risk (riesgo profesional) 0 days From day 1
Occupational illness (enfermedad profesional) 0 days From day 1

For occupational risk and illness, the employer does not have a waiting period - CSS (or the employer's occupational risk insurance) covers from the first day. The employer still records the certificate but owes no daily salary during the incapacity.


Employer pay rate

During the employer waiting period:

Daily Base Rate = Monthly Base Salary / 30
Employer Daily Payment = Daily Base Rate x 50%

The 50% rate is the legal minimum (Art. 199 CT). CifraHQ applies the policy's EmployerPayPercent setting (default 50%).


Annual balance

Each employee has one IncapacityBalance record per calendar year:

Column Description
DaysAllotted Annual employer-paid allotment (from policy, default 18)
DaysUsedEmployerPaid Working days consumed in the employer waiting period this year
DaysUsedCssPaid Working days on CSS subsidy this year
DaysPending DaysAllotted minus DaysUsedEmployerPaid

When DaysPending reaches zero, any new employer-waiting-period days on a new certificate must be paid directly by the employer without drawing from the annual allotment (they have exhausted the 18-day limit). CSS continues to cover its portion regardless.


Certificate lifecycle

Submitted -> Approved -> Paid
              -> Rejected
State Meaning
Submitted Certificate data entered; split not yet computed
Approved HR has verified and approved the certificate; split computed
Paid Amounts included in a Payroll run
Rejected Certificate rejected (e.g., insufficient documentation)

Related: Policy Setup - Certificate Intake - Payday Split - Annual Reset - Reports

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