COVID-19 What Brokers Need to Knowpages.thinkhr.com/rs/276-KTW-573/images/Covid-19 What...WORKING AT...
Transcript of COVID-19 What Brokers Need to Knowpages.thinkhr.com/rs/276-KTW-573/images/Covid-19 What...WORKING AT...
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What BrokersNeed to Know
COVID-19
with Frank Pennachio & Joy Justus
Brought to you by:
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§ We will be sending the slides and the recording
§ Use the Q&A box to ask questions
§ Please participate in our polls
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POLL QUESTION #1
Which best describes you?
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POLL QUESTION #2
Which topics would you like to learn more about in our
next event?
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Today’s Presenters
Frank PennachioPrincipalOceanus Partners a ReSource Pro Company
Joy JustusSVP, Customer ExperienceThinkHR
§ Insurance industry trainer, coach, and consultant
§ Producer development specialist
§ 25 years experience in EB, P&C, and HR
§ 10 years experience with ThinkHR in sales, marketing, and corporate development
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§ How to identify and address emerging risks related to COVID-19
§ How to protect and leverage employees’ benefits during company shutdowns, furloughs, and layoffs
§ How to address challenges with business income policies
§ How to serve clients and grow your business in uncertain times
§ Q&A
Today’s Topics
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EMPLOYEE BENEFITS BROKERS
PROPERTY & CASUALTY
BROKERS
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First Things First
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Remote Workers and Layoffs
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Protect Employees’ Health Plan Eligibility
COBRA or State Continuation
Spouse’s Plan
Public Exchange
Individual Options
Medicaid
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Uncomfortable Conversations
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§ On average, there are 132 suicides per day.
§ 130 Americans die every day from an opioid overdose (95,630 every year).
§ There are 10 million domestic abuse victims every year.
Mental Health Risks
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EmployeeAssistance Programs
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Mental Health Parity
The Mental Health Parity and Addiction Equality Act (the Federal Parity Law) requires health plans to
cover mental health and addiction benefits the same way they cover physical health.
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How can you help assure your clients’ employees’ gain access to mental health support?
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HIPAA Privacy
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Under HIPAA the group health plan and the claims payor may disclose Personal Health Information:
- To persons at risk of contracting or spreading a disease or condition if state law authorizes the covered entity to notify such persons as necessary to prevent or control the spread of the disease or otherwise to carry out public health interventions or investigations(45 CFR 164.512(b)(1)(iv))
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Let’s shift gears…
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Workers’ Compensation Risks
WORKING AT HOME
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Guidelines and rulings are unclear about when remote workers are eligible for workers’ compensation.
Workers’ Compensation Risks
WORKING AT HOME
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COVID-19 Section in Comply
COVID-19 Crisis Response Center
Essential Resources for Employers
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COVID-19 Crisis Response Center
Sample Work from Home Policy
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What is an injury that “arises out of employment?”
For example, a remote worker trips over the dog on the way to the printer.
Workers’ Compensation Risks
WORKING AT HOME
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Want to avoid ”24-Hour” Accident Coverage
Workers’ Compensation Risks
WORKING AT HOME
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Employers need to offer ergonomic support
Workers’ Compensation Risks
WORKING AT HOME
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OSHA Issues
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OSHA will not conduct inspections of employees’
home offices.
OSHA Issues
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OSHA will not hold employers responsible for employees’ home offices and does not expect employers to inspect the home offices of their employees.
INCIDENT FREE WORKPLACE
NO ACCIDENTS INDAYS
OSHA Issues
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If OSHA receives a complaint about a home
office, the complainant will be advised of OSHA’s policy.
OSHA Issues
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Business Income Coverage
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…Property Damage Caused by a Covered Cause of Loss
BusinessIncome Coverage
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Should You File the Claim(s)?
Business Income
Contingent Business Income
BusinessIncome Coverage
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Virus Exclusion
Most standard commercial property policies include the “exclusion of loss due to the
virus or bacteria” endorsement.
BusinessIncome Coverage
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Virus Exclusion
Therefore, even if coverage was otherwise triggered
under the insuring agreement, this
endorsement will most likely exclude any damages due to
the coronavirus.
BusinessIncome Coverage
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Pandemic “Backstop”
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Empathetic Prospecting
The “We can save you money” pitch is “tone deaf”.
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Sustainability
Employees’ Well Being
New Risks
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Get comfortable with virtual meetings.
Empathetic Prospecting
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Communication
Video (Facial Expressions)
Telephone(Voice Tonality)
Empathetic Prospecting
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YIKES!
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Offer assistance
Empathetic Prospecting
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Communication Plans
How are employers going to stay in touch with remote workers?
Empathetic Prospecting
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Content
Offer insights and updates
Empathetic Prospecting
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Offer solutions to known problems.
Empathetic Prospecting
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Offer AssistanceEmployee Benefits
Workers’ Compensation
Cybersecurity
Business Income
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People Risk Management from ThinkHR
Live
Access to senior, certified advisors for
your HR and compliance questions.
Comply
An extensive resource library to navigate HR, compliance, safety, and
people risk management issues.
Learn
A learning management system to deliver training on
a variety of topics.
Insight
Webinars and communications
providing compliance news, expert analysis,
and legislative updates.
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Real Time COVID-19 Resources from ThinkHR
COVID-19 Update Webinars
Crisis Response Center
COVID-19 Email Alerts
COVID-19 Section in Comply
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POLL QUESTION #3
Can we help you access more COVID-19 resources?
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Q&A
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Thank you.