COVID-19 & The Workplace - Employment Issues, Legislative Trends & Medical Updates - Brown & Brown Insurance

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COVID-19 & The Workplace - Employment Issues, Legislative Trends & Medical Updates - Brown & Brown Insurance
COVID-19 & The Workplace
Employment Issues, Legislative Trends & Medical Updates
COVID-19 & The Workplace - Employment Issues, Legislative Trends & Medical Updates - Brown & Brown Insurance
Disclaimer

                The information in this program is based upon the very dynamic and evolving        seeking legal, tax, or medical advice from a professional in your area. Only
                outbreak of respiratory disease caused by a novel (new) coronavirus that was       your individual attorney, tax advisor, or health care professional can provide
                first detected in China and which has now been detected in more than 100           assurances that the information contained herein – and your interpretation of
                locations internationally, including in the United States. The virus has been      it – is applicable or appropriate to your particular situation. Use of, and access
                named “SARS-CoV-2” and the disease it causes has been named                        to, this live stream program or any of the links or resources contained within
                “coronavirus disease 2019” (abbreviated “COVID-19”). The information               this program do not create an attorney-client relationship, or doctor-patient
                presented is current as of the date of this program, but it may change in the      relationship, between the participant, user, or browser and program
                coming hours and days ahead. Participants are encouraged to refer to               presenters, authors, contributors, contributing third party organizations, or
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                at www.cdc.gov).                                                                   based on contents of this site are hereby expressly disclaimed. The content
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                constitute legal, tax, or medical advice; instead, all information, content and
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                only. Information on this live stream may not constitute the most up-to-date       recommendations set forth relative to the possible impact of COVID-19 on
                legal, tax, medical or other information. This program contains links and          potential insurance coverage or other policy implications are intended solely
                references to other third-party websites. Such links are only for the              for informational purposes and should not be relied upon as legal advice. As
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                teammates are not responsible for the contents of the third-party sites.           that ability rests solely with the issuing carrier. Therefore, all claims should be
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                Participants in this live stream program should contact their attorney or tax      opinions only and are not to be construed as any form of guarantee or
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                issue. Likewise, participants in this live stream program should contact their     19 situation, the commentary herein does not take into account any
                health care professional to obtain advice with respect to any particular           applicable pending or future legislation introduced with the intent to override,
                medical question. No participant, user, or browser of this program should act      alter or amend current policy language.
                or refrain from acting on the basis of information in this program without first

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bbinsurance.com/covid19 | March 27, 2020                                                                                                                                       © 2020 Brown & Brown, Inc. All rights reserved.
COVID-19 & The Workplace - Employment Issues, Legislative Trends & Medical Updates - Brown & Brown Insurance
Today’s Presenters

                                                                                                             Louise J. Short,
                                             Bob Lloyd             Nick Karls           Jeremy Sosna            MD, MSc

                                             Executive Vice        Vice President,      Guest Presenter             National
                                           President, General       Regulatory &         Shareholder            Clinical Leader
                                                Counsel          Legislative Strategy

                                           Brown & Brown, Inc.     Hays Companies        Littler Mendelson         SBA and
                                                                                                              Brown & Brown, Inc.

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bbinsurance.com/covid19 | March 27, 2020                                                                                            © 2020 Brown & Brown, Inc. All rights reserved.
COVID-19 & The Workplace - Employment Issues, Legislative Trends & Medical Updates - Brown & Brown Insurance
Questions Answered
                                                With Nick Karls & Jeremy Sosna

                                 How do I know if my company is covered by
                                 the Families First Coronavirus Recovery Act
                                 (FFCRA)?

                                                                                                                             3

bbinsurance.com/covid19 | March 27, 2020                                         © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                With Nick Karls & Jeremy Sosna

                                 If we need to consider furloughs or temporary
                                 layoffs, are we able to implement immediately
                                 or do we have to provide notice to the
                                 employees?

                                                                                                                             4

bbinsurance.com/covid19 | March 27, 2020                                         © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                      With Nick Karls & Jeremy Sosna

                                 If an employee is out on furlough, and they
                                 then get diagnosed with COVID-19, do they
                                 qualify for paid sick leave under the FFCRA?

                                 How about the new PFL if they have to look after dependents?

                                                                                                                                            5

bbinsurance.com/covid19 | March 27, 2020                                                        © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                 With Nick Karls & Jeremy Sosna

                                 In lieu of a furlough or temporary layoff, are
                                 employers permitted to simply reduce the
                                 hours worked by employees to cut costs
                                 temporarily? What other strategies might be
                                 available as an alternative to a layoff?

                                                                                                                              6

bbinsurance.com/covid19 | March 27, 2020                                          © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                With Nick Karls & Jeremy Sosna

                                 Many employers are establishing temporary
                                 leave and wage replacement policies (unpaid
                                 and paid). What happens when they are
                                 unable to maintain these policies due to
                                 durations – and how do they sunset them?

                                                                                                                             7

bbinsurance.com/covid19 | March 27, 2020                                         © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                  With Nick Karls & Jeremy Sosna

                               I know that the focus has been on laying
                               off, terminating or furloughing employees, but what
                               about employers within what is considered an
                               essential industry that are trying to maintain their
                               workforce by offering incentive pay?

                               What are your recommendations or concerns about
                               putting that into place? And should there be a time in
                               which incentive pay is no longer necessary, how
                               should that be conveyed?

                               What is the associated risk?

                                                                                                                                    8

bbinsurance.com/covid19 | March 27, 2020                                                © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                  With Nick Karls & Jeremy Sosna

                                 If the employee is working from home due to
                                 a Shelter-in-Place mandate, but at a reduced work
                                 schedule, does that qualify them for unemployment
                                 (difference between regular hours vs. reduced)?

                                 Can an employer force an employee to use accrued
                                 vacation or PTO to cover the wage gap between
                                 regular scheduled and reduced scheduled hours?

                                                                                                                                 9

bbinsurance.com/covid19 | March 27, 2020                                             © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                    With Nick Karls & Jeremy Sosna

                                  We know that we have guidance from the EEOC that
                                  employers can take their employees’ temperature
                                  when they show up for work.

                                  What would you say is the limit as far as what an
                                  employer can do to try and keep the Coronavirus out
                                  of their workplace?

                                  What kinds of questions can I ask employees who
                                  report for work, and what kinds of questions are off
                                  limits from an employment law/privacy perspective?

                                                                                                                                   10

bbinsurance.com/covid19 | March 27, 2020                                                 © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                 With Nick Karls & Jeremy Sosna

                                 Our business has remained open and is
                                 starting to report cases of Coronavirus in the
                                 workplace. What actions should I take if I
                                 learn that an employee has a
                                 confirmed, positive diagnosis?

                                                                                                                            11

bbinsurance.com/covid19 | March 27, 2020                                          © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                 With Nick Karls & Jeremy Sosna

                                 How should I address having elderly
                                 employees or other employees that may be
                                 higher risk for contracting the virus in the
                                 workplace?

                                                                                                                            12

bbinsurance.com/covid19 | March 27, 2020                                          © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                With Nick Karls & Jeremy Sosna

                                 Say an individual knowingly shows up at work
                                 with COVID-19. Grounds for termination?

                                                                                                                           13

bbinsurance.com/covid19 | March 27, 2020                                         © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                   With Nick Karls & Jeremy Sosna

                                 We are an essential or life-sustaining business that
                                 remains open while others have closed due to
                                 “Shelter-in-Place” orders.

                                 Our employees have expressed concern about having
                                 to report to work during this time because of the risk
                                 of contracting the virus. What can we do when it
                                 comes to performance management for employees
                                 who simply refuse to report to work?

                                                                                                                                    14

bbinsurance.com/covid19 | March 27, 2020                                                  © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                With Nick Karls & Jeremy Sosna

                                 As employers are trying to accommodate
                                 requests associated with return to work with
                                 limited or no medical return to work clearance
                                 documentation, what steps would you
                                 recommend the employer take?

                                                                                                                            15

bbinsurance.com/covid19 | March 27, 2020                                          © 2020 Brown & Brown, Inc. All rights reserved.
Questions Answered
                                                With Nick Karls & Jeremy Sosna

                                 We now have a large group of employees that
                                 are telecommuting due to the COVID-19
                                 outbreak. What risks do we need to be aware
                                 of for this "new normal"?

                                                                                                                           16

bbinsurance.com/covid19 | March 27, 2020                                         © 2020 Brown & Brown, Inc. All rights reserved.
Control of COVID-19

Source: CDC; J. P. Morgan, Cembalest, Michael. “Eye On The Market.” 23 Mar. 2020, Https://Www.Jpmorgan.Com/Jpmpdf/1320748302164.Pdf.

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bbinsurance.com/covid19 | March 27, 2020                                                                                               © 2020 Brown & Brown, Inc. All rights reserved.
Generational Data

Source: CDC; J. P. Morgan, Cembalest, Michael. “Eye On The Market.” 23 Mar. 2020, Https://Www.Jpmorgan.Com/Jpmpdf/1320748302164.Pdf.

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bbinsurance.com/covid19 | March 27, 2020                                                                                               © 2020 Brown & Brown, Inc. All rights reserved.
Update on CDC
                                                                  Defined Risk Groups

                                                                    •   People 65 years and older
                                                                    •   People who live in a nursing home or long-term care facility
                                                                    •   Other high-risk conditions could include:
                                                                         • People with chronic lung disease or moderate to severe
                                                                           asthma
                                                                         • People who have serious heart conditions
                                                                         • People who are immunocompromised including cancer
                                                                           treatment
                                                                         • People of any age with severe obesity (body mass index
                                                                           [BMI] >40) or certain underlying medical conditions,
                                           Chromic Lung Disease            particularly if not well controlled, such as those with diabetes,
                                                                           renal failure, or liver disease might also be at risk
                                                                    •   People who are pregnant should be monitored

                                                                                                                                                                                 19

bbinsurance.com/covid19 | March 27, 2020                                                                                               © 2020 Brown & Brown, Inc. All rights reserved.
Actions to Take in the Workplace

    •    How long can the COVID-19 live on surfaces?                   •   Updated guidance on environmental disinfection if a
                                                                           case of COVD-19 has been identified in the work-place
            •   Viruses lose 90% of infectivity in several hours
                                                                            •   Close off areas used and wait as long as practical
            •   They can be disinfected in one minute using the
                                                                                prior for cleaning and disinfection (up to 24 hours if
                appropriate chemicals/cleaners
                                                                                possible)
                   •    www.epa.gov/pesticide-registration/list-n-
                        disinfectants-use-against-sars-cov-2                •   Open outside doors and windows to increase air
                                                                                circulation in the area
                   •    www.cdc.gov/coronavirus/2019-
                        ncov/community/organizations/cleaning-              •   PPE should be used by those performing
                        disinfection.html                                       the disinfection
    •    Increase ventilation rates                                         •   Cleaning staff should clean and disinfect all areas
                                                                                (e.g., offices, bathrooms, and common areas)
    •    Increase the percentage of outdoor air that circulates
         into the system                                                        used by the ill persons, focusing especially on
                                                                                frequently touched surfaces

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bbinsurance.com/covid19 | March 27, 2020                                                                                    © 2020 Brown & Brown, Inc. All rights reserved.
Testing, Vaccines & Treatment

                                                 • Testing
                                                        • Availability
                                                                • Evive.care - www.evive.care
                                                                • Verily in CA - www.projectbaseline.com/study/covid-19
                                                        • Home testing
                                                        • Turnaround times and rapid testing
                                                 • Vaccines:
                                                        • Two phase I trials being run by the NIH
                                                        • Several pre-clinical vaccine trials
                                                        • Estimated time-frame 12-18 months at this point
                                                 • Approximately 30 drug trials going on with multiple combinations of drugs
                                                        • Chloroquine – what we know today
                                                        • Side effects and safety
                                                 * Visit ClinicalTrials.gov for additional information on COVID-19 drug trials

                                                                                                                                                                           21

bbinsurance.com/covid19 | March 27, 2020                                                                                         © 2020 Brown & Brown, Inc. All rights reserved.
Social Distancing ≠ Being Alone
                                                                               Keeping Employee Needs in Mind

                   Create Community                                                              Stay Smart                                                  Virtual Volunteering
                  Create a sense of community                                           Start an online book club or have                                  Support your community with
                 “outside of work” virtual meals,                                       friendly competitions with online                                  virtual volunteering or making
                  coffee chats, or happy hours                                                        games                                                 donations to local charities

                                                                                                                                                      https://www.cnn.com/specials/im
                                                                                                                                                               pact-your-world

                                                            Stay Active                                                     Make Future Plans
                                                     Encourage employees to stay                                        Make a plan to stay connected
                                                    active with daily exercise – ride                                  with your employees until you can
                                                    your bike, take a walk, or find a                                          return to the office
                                                              class online

                                                                                                                                                                                                                            22

bbinsurance.com/covid19 | March 27, 2020                                                                                                                                          © 2020 Brown & Brown, Inc. All rights reserved.
How We Can Support
    Resource Center
    • Find more information at bbinsurance.com/covid19
    • Resource Links:
            • WHO - www.who.int/health-topics/coronavirus
            • CDC - www.cdc.gov/coronavirus/2019-ncov/index.html
            • National Business Group on Health -
              https://www.businessgrouphealth.org/topics/blog/the-evolving-
              situation-of-coronavirus-what-we-know-and-what-we-dont
            • OSHA – www.osha.gov

    Q&A
    • Please submit any questions in the Live Chat feature of this webinar
      or send them directly to your service team.

                                                                                                                        23

bbinsurance.com/covid19 | March 27, 2020                                      © 2020 Brown & Brown, Inc. All rights reserved.
Live Stream Survey
                                                   Accessing Your 1.0 SHRM Credit Certificate

    Survey Via Email
    •    You will receive a follow-up survey via email that includes a question
         you must complete to access your 1.0 SHRM credit. Once you
         complete the survey, the SHRM Program ID # will appear on the
         survey submission confirmation page.

    COVID-19 Resource Center
    • Don’t want to wait? Having trouble receiving our email? Access the
      survey now at bbinsurance.com/covid19 to claim your 1.0 SHRM
      credit.

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bbinsurance.com/covid19 | March 27, 2020                                                        © 2020 Brown & Brown, Inc. All rights reserved.
Thank You
                               Please contact your service team for
Save the Date                  any additional information and visit
 Friday, April 3                   bbinsurance.com/covid19
 2pm ET | 11am PT

  Live Stream No. 4
  Further details to follow.
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