COVID-19 Employer Resources

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COVID-19 Employer Resource Center

As the number of reported cases of the novel Coronavirus (COVID-19) continues to rise, employers are increasingly confronted with questions and obligations in regard to their workforce.

Innovative has developed this comprehensive employer resource center with important resources and tips to consider as an organization.

Please check back for updates, additional resources and latest news as this situation evolves.

8 Employee Benefit Changes to Consider in Light of COVID-19

See the employee benefit shakeups which have come out of COVID-19 and things you should consider as you plan your renewal and plan year.

Transitioning Back to the Workplace Guide

This complimentary 8-page guide provides checklists and best
practices on your “Return to Work” questions.

Return To Work Training Kit

Bring your employees back to work safely with our “Return to Work Training Kit.” Use these two training tools in conjunction with each other to educate your employees on what you are doing response to COVID-19, understand what they can do, answer any frequently asked questions, and provide resources and who they should communicate with.

COVID-19 Employer Impact Analysis Report

We understand that there has been a lot of information shared by multiple sources affecting various parts of your business regarding the novel coronavirus outbreak. In our COVID-19 Employer Impact Analysis report, we will walk you through important considerations as you assess your business operations and challenges. Moreover, employers are asking what negative and positive impacts COVID-19 will have on their health plans in 2020 and beyond. Using an actuarial tool, Innovative will forecast the financial impact to your health plans.

Compliance Alerts

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act)

See Provisions Here

What You Need to Know About the Families First Coronavirus Response Act

Download Now

Impact of COVID-19 to Employers: FAQs

View FAQs Here 

How to Create a Leave Donation Program

Download Now

On-Demand Webinars

CARES Act

On March 27, 2020, Congress passed, and the President signed, an unprecedented 2 trillion-dollar stimulus and relief package into law, named the Coronavirus Aid, Relief, and Economic Security Act or the CARES Act. This act provides direct stimulus relief to corporations and individuals. While there are many facets to this act, the below outlines the impact to employee benefits, retirement plans and the loans and tax credit provisions. 

CARES Act: Impact on Employee Benefits

Paycheck Protection Program (PPP) Loan Forgiveness Application

CARES Act: Impact on Retirement Plans

President Trumps Signs Paycheck Protection Flexibility Act

CARES Act: Loans & Tax Credits

Employer Workplace Resources

COVID-19 Testing Locations

In the attached document, you can find a list of testing locations, including sample type, length of process, cost with out insurance and their website for additional details or updates. 

Download the List

COVID-19: 7 Important Employer Considerations

As employers prepare for COVID-19 accommodations, Innovative has developed a checklist that offers specific considerations for employers in planning for emergencies like COVD-19. Examples include policies to review, communication strategies to consider and benefits that may be impacted. The Innovative team is here to support any organizational policy needs to ensure you and your team are prepared and protected.

Download the Checklist

Considerations Regarding Employment & Plan Coverage Changes (NEW)

Due to the recent national health crisis in our country, many employers are considering the best way to handle a temporary economic turndown to best position themselves for recovery once the pandemic ceases and businesses can begin to return to some sense of normalcy. In addition, many employers are also navigating the benefit coverage changes being made by their insurance carrier(s) or by state and/or federal mandates which may include cost considerations, plan document revisions and employee notifications. Below are some explanations regarding various workplace employment options and health plan considerations.

Download Here

COVID-19: Tips & Preventions

Employees may have questions about what they can do to help manage the situation, and as an employer, you want to be proactive in communicating how to prevent the spread of the virus in the workplace. Innovative has created an easy to download infographic that can be shared with employees to assist with stemming the spread of COVID-19 through helpful tips and what signs and symptoms they need to be aware of.

Download the infographic

Carrier Enhancement

Due to the outbreak of COVID-19 in the United States, the CEO’s of major US health insurance companies met at the White House on March 10, 2020 and agreed to waive costs for certain services such as the COVID-19 test, telemedicine services and prescription refill limitations. Whether you are an employer sponsoring a fully-insured or self-funded plan, it is important to understand the insurance companies response to how certain benefits are being enhanced to address this global pandemic. Contact us here to receive a custom communication piece for your workplace.

See fully-insured sample communication here

See self-funded sample communication here

Telemedicine Delays-Employee Communication

Telemedicine services are experiencing higher than normal delays under the weight of an unprecedented surge in patients as employers, insurance carriers and healthcare professionals encourage their members to use these services.  The crisis is stressing major telemedicine providers’ technical infrastructure and the supply of physicians prepared to deliver care virtually.

While telemedicine providers are working on ways to increase their capacity, they are recommending members schedule their virtual visits rather than remain in the virtual waiting room for an unknown period of time. Here is a communication PDF you can use to communicate this recommendation with your employees.

Download the PDF

Relaxed Life, Disability & LTC Insurance Underwriting

As a result of the COVID-19 National Emergency, insurance companies have adapted to help individuals easily secure protection and obtain insurance without a medical exam that requires a nurse to visit your home or office. This is a TEMPORARY change that will likely end when social distancing can stop.

Learn how this can help you and the steps to a simplified application process. 

 

Download the PDF

Open Enrollment and Outcomes Based Health Screenings Options During COVID-19

Due to the COVID-19 outbreak, employers who were planning on offering on-site health screenings tied to payroll deductions are unfortunately being forced to consider other options.  Thankfully, the screening vendors have been flexible with delaying screening dates. As an employer, if you were offering premium discounts based on screening results, you must decide what to do with your payroll deductions and incentives now that screenings will not be occurring before the start of your new plan year.

Learn More Here

Innovative Resources Available to Your Employees

In the face of the COVID-19 outbreak, your employees may be without access to their usual on-site resources or experiencing a shortage of resources through their physicians and telemedicine providers. However, they’re not alone!

Innovative is proud to provide our clients and your employees with additional resources during this time of need.

 

See Employer Communication Here

See Sample Employee Poster

Return to Work Resources

Return to Work Guide

This complimentary 8-page guide provides checklists and best
practices on your “Return to Work” questions.

Download Here

Return to Work Webinar

To assist with the transition back to the workplace, Innovative Benefit Planning hosted a panel of experts to help employers navigate the when, who and how to return to the workplace safely.

Watch Here

Return to Work Checklist

Get your return to work checklist on important procedures such as posting and policies, health and safety and best practices for returning to the office. 

Download Here

Return to Work Training Video

Download our animated safety training video that outlines important behavior modifications. 

Download Here

Retirement & Market Guidance

Tips for Addressing Employee Concerns and Prudent Plan Management

The coronavirus (COVID-19) pandemic and recent market volatility have undoubtedly presented you with new challenges as you care for your employees, families and community. Below are 7 tips you can consider for addressing employee concerns and managing your plan.

Download Now

Relief to Federal Student Loan Borrowers

On March 13, 2020, the U.S. Department of Education announced that it would waive interest charges, allow for suspended payments and provide assistance to borrowers of defaulted loans for a 60-day period.

Download Details

Retirement Plans FAQs

Within the CARES Act, there are provisions that affect retirement plans. The below FAQ’s is broken down to cover the four main aspects: Coronavirus Related Distributions; Expanded Loan Rules; Required Minimum Distributions; Pension Plans.

View FAQs Here

4 Tips For a Volatile Market

The COVID-19  has impacted nearly every part of our daily lives and the investment market is no exception. When account balances fluctuate, it is tempting to make quick investment decisions. The below PDF offers your employees 4 investing tips to guide their investments through a volatile market. 

View PDF Here

Retirement Plans FAQs

Within the CARES Act, there are provisions that affect retirement plans. The below FAQ’s is broken down to cover the four main aspects: Coronavirus Related Distributions; Expanded Loan Rules; Required Minimum Distributions; Pension Plans.

View FAQs Here

Employee Well-being Resources

Staying Healthy While Home Videos

  • Tip #1: Creating a Designated Workspace 
  • Tip #2: Staying Physically Active at Home
  • Tip #3: Coping with Loneliness
  • Tip #4: How to Improve Your Sleep
  • Tip #5: Eating Healthy While Home

                                 Watch Here

Innovative's Wellness Workouts

  • 2-Minute Stretching at Your Desk
  • 15-Minute Upper Body 
  • Lower Body Resistance Bands
  • Easy Chair Yoga 

                                Watch Here

The information provided herein does not, and is not intended to, constitute legal advice; instead, all information, content, and materials herein have been provided for general informational purposes only. Recipients of this information should contact their attorney to obtain advice with respect to any particular legal matter.  Similarly, no recipient should act or refrain from acting on the basis of information in this email without first seeking legal advice from counsel in the relevant jurisdiction.  Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation.

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