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The Families First Coronavirus Response Act (FFCRA)

The Families First Coronavirus Response Act was signed into law on Wednesday, March 18, 2020.  It is the second major legislative initiative passed in the United States in response to COVID-19.

opens in a new windowFamilies First Coronavirus Response Act (FFCRA)
The Families First Coronavirus Response Act (FFCRA) took effect on April 1, 2020, and provides eligible workers with paid leave for reasons related to the coronavirus (COVID-19) pandemic. Covered employers should post notice of the FFCRA requirements in a conspicuous place on its premises. A copy of the notification is linked below, along with a link to the U.S. Department of Labor website, which provides additional guidance on paid leave requirements related to COVID-19.

opens in a new windowDOL FFCRA Posteropens PDF file

opens in a new windowDOL FFCRA Fact Sheet

We have also provided an FFCRA Compliance Bulletin, which includes frequently asked questions issued by the DOL to assist employers and employees on their responsibilities and rights under the FFCRA, as well as a resource on the U.S. Chamber website that outlines what businesses need to know.

opens in a new windowCrane Agency – Families First Coronavirus Response Act Q&Aopens PDF file

opens in a new windowU.S. Chamber – FFCRA:  What Businesses Need to Know

The Families First Coronavirus Response Act includes two new significant paid leave laws:  (1) the Emergency Family and Medical Leave Expansion Act, and (2) the Emergency Paid Sick Leave Act.  Both statutes address absences from work caused by the COVID-19 pandemic.  Both provisions are effective April 1, 2020, through December 31, 2020.

Emergency Family and Medical Leave Expansion Act (EFMLEA)
This act creates a new form of FMLA leave covering up to 12 weeks of an eligible employee’s inability to work or telework “due to a need for leave to care for the son or daughter under 18 years of age of such employee if the school or place of care has closed, or the child care provider of such son or daughter is unavailable, due to a public health emergency.”

Emergency Paid Sick Leave Act (EPSLA)
Employees covered under the EPSLA are entitled to paid leave for several different types of absences related to the COVID-19 pandemic:
– Employees subject to a Federal, State, or local quarantine or isolation order related to COVID-19
– Employees who have been advised by a health care provider to self-quarantine related to COVID-19
– Employees experiencing COVID-19 symptoms and are seeking a medical diagnosis
– Employees caring for an individual subject to an order described in (1) or self-quarantine as described in (2)
– An Employee caring for his or her child whose school or place of care is closed (or child care provider is unavailable) due to COVID-19 related reasons
– Employees experiencing any other substantially similar condition specified by the U.S. Department of Health and Human Services

Due to the speed at which these laws took effect, the U.S Department of Labor has created a Q&A page to address questions and provide additional guidance:   opens in a new windowU.S. Department of Labor – Families First Coronavirus Response Act Q&A

Please visit the opens in a new windowCrane Agency Coronavirus Preparedness Resource page for further information.  As with any rapidly changing situation, please check local, state, and federal websites for the most recent updates and guidance on this quickly evolving topic.

Understanding the $2 Trillion Stimulus Package, Managing Remote Employees and more…

opens in a new window03.27.2020 – Benefits Info COVID-19 Resources Newsletter

If you need help understanding the 2 Trillion Dollar Stimulus Package, you are not alone.  In this update we have included a document that provides an overview of the package, which is designed to provide financial assistance for those struggling as a result of the coronavirus (COVD-19) outbreak.  Another attachment contains answers to questions employees may have about those payments.

COVID-19 has caused many employers across the country to make significant changes to their standard procedures, including shifting their employees from working at the office to working from home. We have prepared a guide to serve as an introduction to managing remote employees which includes best practices for keeping employees engaged. It should be used for informational purposes only and not be considered as legal advice.  You will also find a Families First Coronavirus Response Act (FFCRA or Act) Poster. Applicable employers should post and/or send employees electronically no later than April 2nd.

Finally, carriers continue to schedule webinars and FAQ’s as they attempt to keep us all posted on changes as a result of COVID-19. Here are a few you may consider:

Aetna has provided the latest information on their response and steps consumers should take to stay healthy through their opens in a new windowfrequently-updated COVID-19 resource center.

Anthem will host their next session at 12:00 p.m. (CST) on Tuesday, March 31. They will cover a variety of relevant topics and look to address many of the most common questions they are receiving. opens in a new windowPlease click this link to register for the event and save to your calendar.

Cigna Group Insurance has updated their opens in a new windowFrequently Asked Questions sheet with new information.

We have included the schedule below for the next round of COVID-19 Update Briefings for UnitedHealthcare brokers, consultants and customers.  Due to the fluidity of this situation, replays are not available for the external calls. UnitedHealthcare is committed to keeping its brokers, consultants, and employers informed, and they encourage attendance to the live weekly calls., which are scheduled as follows:

As always, if you have questions we have not addressed, please do not hesitate to contact your Crane Agency team member.  We hope you have a great weekend!

Families First FAQ and the Coronavirus Relief Bill

opens in a new window03.25.2020 – Benefits Info COVID-19 Resources Newsletter

We hope this post finds you well… here are some of the latest updates related to COVID-19.

Under the opens in a new windowFamilies First Coronavirus Response Act (FFCRA), covered employers must post a notice of the FFCRA requirements in a conspicuous place on its premises. The attached HR Compliance Bulletin includes frequently asked questions issued by the DOL on this notice requirement.

As business closures increase due to the COVID-19 pandemic, employers are faced with questions about compensation and health benefits coverage for their employees. Government relief measures may provide compensation for businesses and individuals in certain situations. In other cases, existing rules on employee rights will apply. The attached Compliance Overview provides a summary of the issues that employers may encounter when terminating or suspending employment due to COVID-19.

Please also be aware of a Special Enrollment Period (SEP) currently offered by the major medical providers.  UHC has published the details of their SEP which we have attached here.  Others have simply shared the range of dates.  In essence the medical carriers are affording plan administrators the ability to hold open enrollment for those who previously waived during the last open enrollment to join between now and early April (for example, April 3rd with Anthem or April 6th with UHC) to be effective April 1st.   Major medical carriers are also relaxing the requirement that eligible employees maintain 30+ hours per week to be eligible through at least the end of May for those who wish to maintain benefit eligibility.

If you have any questions, please contact your Crane Agency Service Team.  We are here for you and will keep you posted on major developments.  For the latest information and updates on COVID-19, please visit the  opens in a new windowCrane Agency Blog.  Be well.