Entries by Adrienne Engel

COVID-19 Considerations | Grocery and Pharmacy Home Delivery Options

This information is current as of April 8th, 2020. As the COVID-19 outbreak continues to evolve, these recommendations are subject to change. 

The CDC recommends that individuals follow guidance from authorities where they live regarding social distancing.  Cover your mouth and nose with a cloth face cover in community settings, including when you have to go out in public, especially in situations where you may be near others (e.g., grocery stores or pharmacies).

COVID-19’s Impact on Representations and Warranties Insurance

How does COVID-19 impact representations and warranties coverage and the associated underwriting process? Generally speaking, insurance carriers have started including exclusionary language in every policy and noting it on every proposal. Certain carriers are attempting to take a more commercial, case-by-case approach when considering exclusionary policy language for COVID-19, even tailoring language for each specific transaction. A few industries that are particularly concerning to underwriters are as follows:

COVID-19 Coverage Changes as Cafeteria Plan Status Change

In response to the COVID-19 pandemic, many states have adopted legislation or regulations requiring fully-insured health carriers and health plans maintained by the state government or a political subdivision of the state to provide coverage for treatment of novel coronavirus, including medical care and prescription drugs, without cost-sharing.  Such coverage enhancements are optional for self-insured health plans maintained by private employers (who are subject to ERISA rather than state mandates).  Stop loss carriers and TPAs may also offer self-funded sponsors the same opportunity to amend their plans at this time.  Many health plans, whether fully-insured or self-funded, are also allowing limited mid-year enrollment opportunities for individuals who previously waived coverage.

Families First Coronavirus Response Act (FFCRA) – Department of Labor Temporary Regulations and Updated Q&A

On April 1, 2020, in connection with the effective date of the Families First Coronavirus Response Act (FFCRA), the DOL announced temporary regulations that aim to assist employers in interpreting and implementing the emergency paid sick leave and emergency paid family and medical leave under the FFCRA. The DOL also expanded on their previous compliance assistance for employers and employees by including 19 additional questions to their list of Q&As on the FFCRA.

Compliance Webinar | Status Changes and Special Enrollments

Section 125 Cafeteria Plan status change rules and HIPAA special enrollment events can be complex to navigate and account for a large number of the questions that Hays Companies Research and Compliance answers on a daily basis. As a result, we are once again (yes, we say this every year) doing our educational compliance seminar explaining status change events that allow for mid-year health and FSA election changes and how to best handle employee requests while remaining compliant. You will come away with an understanding of the status change events and what to do when an employee requests such a change.

COVID-19 Risk Control for Employers

Nothing is more important than the health and well-being of our customers, employees/teammates, and the local communities we serve.

As the U.S. and many other countries continue to battle the Coronavirus pandemic (COVID-19), we wanted to let you know what we are doing and how we can assist you.  We understand how unsettling this time can be, and we are committed to supporting you every step of the way.