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These events of the recent months have filled us all with anxiety, uncertainty, and longing for a sense of normalcy in our lives and businesses.  Please know that RHSB is here to provide support as you navigate this complicated and ever-changing situation.  As our clients and valued partners, we will continue to provide you with the same level of service and responsiveness that you come to expect.

Our associates within our organization have been working from home since the opening of business Monday, March 16, 2020, and our crisis team is continually monitoring COVID-19 (Coronavirus) developments to mitigate any potential business interruption.  As with many organizations, we are limiting non-essential travel in accordance with CDC and WHO guidelines.

While the way in which we work together (through virtual meeting tools) may be different, our goal remains to work in partnership to support your needs.  Please reach out to your RHSB team with questions, and we look forward to working with you during these unprecedented times.

We have prepared some resources for you:

COVID-19 LEGISLATIVE UPDATES – BUSINESS CONTINUITY  updated 6.29.2020     MAY UPDATES     APRIL UPDATES      MARCH UPDATES 

TAKING INVENTORY of INSURANCE COVERAGE       CONSIDERATIONS for RISK MANAGEMENT       TRAVEL RISK MANAGEMENT CONSIDERATIONS

These communications are for informational purposes only. Although every reasonable effort is made to present current and accurate information, RHSB makes no guarantees of any kind and cannot be held liable for any outdated or incorrect information. Please consult with outside counsel before implementing any policy or procedure.

Additional Resources:

Property Insurance Coverage Issues Associated with COVID-19this article discusses how courts have analyzed and applied first-party property policies for these types of non-physical losses, potential coverage under a civil authority provision, and pollution/contamination exclusions. (source: Cozen O’Conner)

Business Interrupted by COVID-19? Check Your Insurance Polcicy for Lost Business Income Coverage This alert that discusses the availability of insurance coverage for lost business income due to COVID-19 and encourages clients to review their various policies to determine whether they have any coverage to recoup lost income caused by closure of or limits to operations. (source: Gray Reed)

COVID-19: What are your Rights Under a Contract if You are Damaged or Blamed for the Damage?  This article outlines some of your contractual rights and obligations. The article was drafted by Gray Reed’s COVID-19 Task Force, which is strategically comprised of litigators and transnational attorneys involved with a wide array of industries. 

Federal Activity

Senate Passes Coronavirus Aid, Relief, and Economic Security Act ‘‘CARES Act”  “Coronavirus Aid, Relief, and Economic Security Act” (the CARES Act)  – estimated $2+ trillion price tag includes extraordinary public health spending to confront the COVID-19 pandemic; immediate cash relief for individual citizens; a broad lending program for small business; and, targeted relief for hard-hit industries. (source: Steptoe & Johnson)

CARES Act Comparison of Selected Tax Provision (Source: Huselton, Morgan & Maultsby, PC)

Coronavirus Emergency Loans Small Business Guide and Checklist (source: US Chamber of Commerce)

Paycheck Protection Program Summary June 17 PPP WebinarSlide Deck (source: Steptoe & Johnson)

Paycheck Protection Program Loan Forgiveness Application – The Small Business Administration and the Department of Treasury released the Paycheck Protection Program Loan Forgiveness Application.  The Application package consists of two pages to submit to the and nine pages of supporting schedules and instructions. Application and Comments by CPA – HM&M

Paycheck Protection Loan Program Updated FAQs  June 25  (Source: Small Business Administration (SBA) & Department of the Treasury)

Overview of the SBA Paycheck Protection Program  June 5 – Analysis of PPP Flexibility Act of 2020 enacted on June 5th (Source: Steptoe)

Revisions to the Third and Sixth Interim Final Rules June 17 – revised rules on how the loans can be forgiven (Department of Treasury)

Paycheck Protection Program Loan Forgiveness Legislation Summary June 3 (Source: Huselton, Morgan & Maultsby)

Federal Reserve Launches Main Street Lending Program – The Program is designed to support small and mid-sized businesses that were in good financial standing before the crisis by offering four-year loans to companies (i) employing up to 10,000 workers or (ii) with revenues of less than $2.5 billion. Under the Program, principal and interest payments will be deferred for one year.

Understanding the Main Street Lending Program June 16 (Source: Steptoe)

Economic Injury Disaster Loan Program (EIDL) (Source: HM&M)

US Financial Regulatory Agency Action on COVID-19 May 28 (Source: Steptoe)

Families First Coronavirus Response Act  Legislation that provides paid leave for millions of Americans dealing with the coronavirus. This legislation requires applicable employers to provide paid sick leave benefits to their employees and significantly expands the Family Medical and Leave Act. This practical summary is intended to help all employers understand the obligations and benefits required under this new Act.

DOL Families First Coronavirus Response Act:  Questions & Answers    Employer Paid Leave Requirements   Guidance & Relief for Employee Benefit Plans

COVID-19 Health Insurance Federal Legislation Tracker (Source: Steptoe, updated June 26)

Federal Healthcare Reform Tracker (updated May 15, Source: Steptoe)  Healthcare reform bills as they are introduced in the 116th Congress – Includes legislation on the Cadillac Tax, wellness, HSAs, mandate reform/alternatives, antitrust, interstate sales, stop-loss, essential health benefits, ACA market reforms, AHPs, Section 1332 waivers and more.

State Activity

Health + Benefit Resources

The medical and ancillary carriers are waiving certain rules and requirements in order to allow employees who were furloughed or were given a reduction in hours the opportunity to remain active on their plan(s) for an extended period of time.  Some are also allowing special enrollment periods for those who previously waived coverage.  Others are allowing additional grace periods for premium payments.  Please contact your Employee Benefits Account Manager or Consultant for information regarding how your carrier is responding to these issues.

Health Insurance Providers Respond to Coronavirus – Many are now waiving member costs related to treatment for the novel coronavirus

What we can expect after the pandemic subsides related to Employee Benefits

What to do if you think you have Coronavirus

COVID-19 Screening Tools –  Keeping Employees Safe – Screening tools employers can use that don’t encroach on privacy laws

What to do if one of My Employees Tests Positive for COVID-19?

EEOC Employers Cannot Require Antibody Testing

My Employee Tested Positive, Now What? (source: Adams and Reece)

Interactive State-by-State Map To Navigate Local Guidelines State-specific reopening information to help businesses navigate local rules and guidelines. (Source: U.S. Chamber of Commerce)

Return to Work Guide As many firms are making plans to go back to work, The Council has created a guide of curated information and ideas on how to effectively make a safe return to work possible. (Source: The Council updated June 4, 2020)

CDC Guidance for Businesses and Employers – Plan, Prepare, and Respond resources from Centers for Disease Control and Prevention

CDC offers free printable posters to promote their guidelines around the workplace

Compliance Resources

OSHA Updates Coronavirus Safety Enforcement Policies OSHA announced its revised policies for COVID-19-related enforcement May 19, 2020 / OSHA’s revised enforcement policies become effective May 26, 2020

NAHU COVID-19 Relief Requests Granted some concessions the DOL is making in terms of waiving penalties due to failure to get notices and forms out in a timely manner due to COVID

COVID-19 Health Insurance Federal Legislation Tracker (Source: Steptoe, updated May 29)

Coronavirus Bill Requiring Paid Employee Leave Signed Into Law – updated 3/19/2020 *

Health Plans Must Provide Free Coronavirus (COVID-19) Testing – updated 3/18/2020 *

Coronavirus and the Workplace – Compliance Issues for Employers *

DOL FAQs: COVID-19 and the Fair Labor Standards Act *

FAQs on Essential Health Benefit Coverage and Coronavirus *

Zywave COVID-19 Resources Center – Compliance Resources *

Benefit Comply: EB Information for Employers **

Surprise Billing Practices Disrupted For Good?
The Department of Health & Human Services (HHS) included surprise billing language in its emergency funding terms and conditions that could disrupt the longtime practice of balance billing. Federal officials offering funding to hospitals, clinics and doctors’ practices have included this stipulation: They cannot surprise bill COVID-19 patients. But within eligibility language laid out by HHS is language that could carry much broader implications. It says “HHS broadly views every patient as a possible case of COVID-19,” the guidance states.

Sources:

* provided by Zywave

** provided by Benefit Comply

Operational Resources

Business Continuity

When Business Threats are Contagious: 10 Answers for Employers Navigating the Coronavirus (ThinkHR)

Eight steps for designing a coronavirus crisis management plan (Compliance Week)

Respond, Manage and Prepare for the Impact of Coronavirus (Gartner)

COVID-19: Implications for business (McKinsey)

Business Continuity Management: Pandemic Planning Briefing (60 minutes(Gartner)
Learn 10 steps for pandemic preparedness, crisis management solutions, the power of data and analytics and how technology plays a critical role for business success in this new environment.

Transitioning to Working from Home

How to Actually Work…When You’re Working from Home – video (Harvard Business Review)

7 ways to make working from home easier during the coronavirus pandemic (Fortune)
Need help navigating the work/life balance issues and figuring out how best to get your job done? Here are some ways to make it easier.

5 Do’s and Don’ts of Working Remotely(2 min) (Inc. Magazine)
There’s a lot more to working from home effectively than just waking up and turning on your laptop.

Real-time internet problem & outage monitoring (Down Detector)

Lessons for Effective Virtual Teamwork (5 minutes)

12 Tips For Making Your Virtual Meetings More Professional(Forbes)
Practical tips on how you can create a memorable and professional personal brand when you’re “meeting” someone virtually.

Best Practices for Managing Virtual Teams and Meetings (Center for Creative Leadership)
Teams need a strategy for communicating digitally, and leaders must adapt to effectively manage their people and meetings remotely.

Checklist for Creating Virtual Meetings (Medium)
Creating great virtual meetings requires much of the same thoughtful pre-work you need for a great in-person meeting with some additional details. This checklist is focused on virtual meetings of any size or format.

3 Communication Tips for Virtual Teams (CMOE)
Here are three important rules for communication to ensure virtual teams are highly productive and focused on accomplishing their goals and building a healthy team culture.

Cyber-security for Employees

Spotting Coronavirus-Related Phishing Emails (RIMS)
Amid widespread public concern and constantly evolving news about the COVID-19 pandemic, cyber-criminals are finding new fodder for phishing campaigns.

Beware the Coronavirus Email Scams (National Law Review)
Companies should include information about cyber hygiene along with the CDC recommendations of hand washing, particularly given the potential for increased remote access to corporate IT systems.

Internet Security Basics – 5 Lessons for Protecting Yourself Online (6 min)(Varonis)
Learn the basics of internet security and how to stay secure.

Coronavirus Scams Continue – Be Aware (Steve Anderson)

Coronavirus phishing emails: How to protect against COVID-19 scams  (Norton) 

Leading Through a Crisis

Resources

Recent study “Edelman Trust Barometer on COVID-19 revealed the essential role of the Employer. The most credible source of information comes from employer communications, and 54% of employees want employers to update them about the virus every day.  Edelman

Leading Remote Workers: The Coronavirus’ Impact On Crisis Management (Forbes)

Lead Your Business Through the Coronavirus Crisis and Communicating Through the Coronavirus Crisis (Harvard Business Review)

Leadership, Resilience, and the COVID-19 Outbreak (BCG)

Mental Health

Mental Health Resilience during COVID-19 (15 minutes) (Source: International SOS)

Resources

Recent study “Edelman Trust Barometer on COVID-19 revealed the essential role of the Employer. The most credible source of information comes from employer communications, and 54% of employees want employers to update them about the virus every day.  Edelman

Leading Remote Workers: The Coronavirus’ Impact On Crisis Management (Forbes)

From the Centers for Disease Control and Prevention (CDC)

Mental Health in the Workplace

Mental Health and Coping During COVID-19

Managing Anxiety & Stress

From the World Health Organization (WHO)

Mental Health Considerations during COVID-19 Outbreak

From International SOS

Top Tips for Building Mental Health Resilience during COVID-19

Other Resources

General Resources

Videos, online Training & Travel Updates

World Health Organization

CDC logo

Best Practices for Employers & Employees

Centers for Disease Control (CDC)

CORONAVIRUS Resource Center

Johns Hopkins University

Some information from the following sources:
The Council of Insurance Agents & Brokers
The Big i (Independent Insurance Agents of America)