COVID-19 Updates that Effect Your Organization and Employees
- Agencies Extend Employee Benefit Plan Deadlines Providing Relief from Covid-19
- The Newly Proposed $3T HEROES Act Could Bring Significant Changes to Employee Benefits.
- As Reopening Begins and Employees Return, Use Our COVID-19 Returning to the Workplace Checklist to Guide Your Reopening.
- IRS Provides Relief Options for FSAS and Dependent Care Assistance Programs (Notice 2020-29)
- UnitedHealth Group to Provide Over $1.5 Billion in Assistance and Premium Support to Customers.
- Horizon BCBSNJ Allows Small Employers who Offer One Plan to Downgrade their Plan Design Outside their Renewal Date through June 30, 2020. (For further details please contact us.)
Carriers Provide Dental Premium Reduction
- Horizon BCBSNJ Reduces Premiums by 25% for Fully Insured Commercial Dental Customers.
- MetLife Offers 25% Dental PPO Premium Credit for Customers with Fully Insured PPO Plans for the Months of April and May, 2020.
- Principal Provides 10% Dental Premium Credit for Months of June-October, 2020 for Employers with a Fully Insured Policy.
- Cigna Offers Expanded Emotional Support Available Now Through Sept. 30, 2020 Which Includes:
- Increased free sessions with a licensed clinician in Cigna’s EAP network
- Virtual meetings with counselors by phone, tablet or home computer
- AmeriHealth Provides Instructions for Deferred Payment Plan for Fully Insured Small Group and Large Group Customers.
- SBA provides updated Paycheck Protection Program Borrower Application Form
- Download Updated PPP Federal Application PDF
- Paycheck Protection Program FAQ for Borrowers
- PPP Calculator
- NJ Gov. Murphy Signs Executive Order Granting Grace Periods for Insurance Premium Payments
- Independence Blue Cross Provides Instructions for Deferred Payment Plan for Customers with Fewer than 500 Employees
- Pennsylvania and New Jersey Offer Helpful COVID-19 Scenarios and Benefits Checklist.
- Insurance Carriers Offering Payment Flexibility Options
- PPP application enrollment begins April 3, 2020.
- The Small Business Association (SBA) offers helpful resources.
- The Department of Labor FAQ offers a wealth of information about the Families First Coronavirus Act and the workplace.
- Federal Employee Rights - FFCRA Poster
- FSA and Dependent Care rules have been adjusted due to the Covid-19 crisis. Contact your provider for any specific questions.
- Coronavirus Aid, Relief, and Economic Security Act (CARES Act) Stimulus Bill Becomes Law
- SBA Disaster Loan Program
- Philadelphia Small Business Relief Fund
- The newly passed Families First Coronavirus Act (H.R.6201)
- New IRS Guidance, Notice 2020-15, allows HDHPS to Cover Coronavirus Expenses Pre-Deductible
- Aetna offers EAP (Employee Assistance Program) for free (See section below.)
Coronavirus Employer Communication
Good employer communication from HR Department/Senior Leadership describing your company’s stance on COVID-19 and policies for your employees should include:
- If you have recently traveled outside the US to one of the high-risk areas: currently defined by the CDC and World Health Organization (WHO) as China, South Korea, Japan, Italy, and Iran – it is required that you:
- Work from home for 14 days following your return or potential exposure and inform your manager and Company Corporate HR team of your travel history immediately.
- Do not visit any customers/prospects during those 14 days and declare recent travel to these high-risk areas before resuming your meetings.
- Monitor your health condition closely by taking your temperature twice a day and seek medical treatment immediately if you feel unwell.
- Remain symptom-free for the 14-day incubation period before returning to the office.
Remote Work Strategies
The emergence and spread of COVID-19 are causing more companies to operate partly or fully remote. Preparing for and moving your team members to be remote present a unique set of obstacles. Below are some strategies and best practices to help your team(s) transition to their new work environment and continue to communicate effectively and be productive.
- Spell out goals and roles
- Map skills and capacity
- Emphasize Personal Interactions
- Keep everyone in mind
- Schedule regular meetings
- Create the virtual “break room”
- Humanize communications
- Normalize new work environments
While COVID-19 may present obstacles for many facets of business, using strategies and communication practices like these, can help ease your team members transition period to continue accomplishing business goals.
Aetna offers EAP (Employee Assistance Program) for Free
Individuals and organizations who don’t have Resources for Living EAP can contact us at 1-833-327-AETNA (1-833-327-2386).
Liberalized services include:
- In-the-moment phone support to help callers cope with the emotional impact of the event
- Informational brochures about dealing with a crisis
- Community resource referrals including local support services in the local area
- Management consultation to help organizations respond to the needs of their employees, even if they’re not RFL customers
Many medical carriers have issued communication regarding how they plan to support members in the days and weeks ahead. Below is a summary of responses we have received.
- Website Link
- CVS Health COVID-19 Resources for Members – Small Group
- CVS Health COVID-19 Resources for Members – AFA, Fully Insured
- COVID-19 Resource Center
Centers for Disease Control and Prevention (CDC)
- Coronavirus Disease 2019 (COVID-19) Situation Summary
- Interim Guidance for Businesses and Employers
- Implementation of Mitigation Strategies for Communities With Local COVID-19 Transmission
- Frequently Asked Questions and Answers
- Business Pandemic Influenza Planning Checklist
- What to Do If You Are Sick With Coronavirus Disease 2019 (COVID-19)
Department of Labor (DOL)
World Health Organization (WHO)
- Rolling updates on coronavirus disease (COVID-19)
- Situation Reports
- Confirmed Cases of Coronavirus (COVID-19)
- Pandemic Phase Descriptions and Main Actions by Phase
United States Government
Occupational Safety and Health Administration (OSHA)
Federal Emergency Management Agency (FEMA)
Department of Health – State
Offices of Public Health – County
- Cape May