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On April 1, Governor Ron Desantis issued Executive Order 20-91 directing Floridians to shelter in place to slow the spread of COVID-19.The order is effective 12:01 am on April 3. Based on this order, insurance agencies and companies are considered essential businesses and may continue to operate.

While remote work is being encouraged, this designation gives agents the option to continue to operate from their offices for the duration of the order, which lasts through April 30.

 

What does COVID-19 coronavirus mean for you and your customers?

The news about the COVID-19 coronavirus is in constant update, and at this point the impact is spreading. From cancelled events, business interruption, gossip and fear, and—at its worst—illness, your customers, agency, and family will feel its effects. But there's no need to panic.  Information is power, and we're curating some of the best resources to help you plan and maintain your well-earned position as the trusted source for your customers.

FAIA remains open for business and fully functional. All staff have made adjustments to work from home and we will continue to be available to our members when you call, email, or comment in our online community. We are part of your team, and we will always have your back through successes and challenges—like this coronavirus outbreak.

We've put together several resources to walk you through how this affects you. This list is updated regularly, so check back.

 

WEBINARS

 

FAIA UPDATES

 

INSURANCE ISSUES

 

AGENCY OPERATIONS ISSUES

 

LEGISLATIVE UPDATES

CARES Act

This law will go into effect on Wednesday, April 1, 2020.

Summary of Coronavirus Aid, Relief & Economic Security (CARES) ACT shared by Affinity HR Group, posted 3/30/20.

The Department of Labor has issued important updates our members should know, including:

Additional updates:
  • These leaves are not available to employees with reduced hours, furloughed employees, or employees whose workplaces are closed. 
  • These leaves are not available to employees whose workplaces are closed due to a federal, state, or local shelter-in-place or stay-at-home orders, or due to business slowdowns. 
  • These leaves (and payroll tax credit) are not retroactive. Employees are not entitled to pay under these leaves if they were absent or out of work (for any reasons) prior to April 1. 
  • Both emergency paid sick leave (EPSL) and emergency Family and Medical Leave (EFMLA) can be taken on an intermittent basis in certain situations. 
  • Employees may not be required to use other forms of paid leave prior to or concurrently with EPSL or EFMLA. 
  • Employers should keep documentation to show that employees who received leave were actually in need of leave. (Big "I" awaits IRS guidance on this.)
Thank you to Big "I" for the above CARES Act content. More Big "I" content here.

 

 

Families First Coronavirus Response Act (HR 6201) 

The Families First Coronavirus Response Act (HR 6201) became law on March 18, 2020.
The Act takes effect April 1, 2020 and will remain effective until December 31, 2020.

There are many economic stimulus measures in HR 6201:

  • Establishing emergency paid sick leave;
  • Expanding family and medical leave;
  • Enhancing unemployment insurance;
  • Guaranteeing free testing for the novel coronavirus;
  • Expanding food security initiatives; and
  • Increasing federal Medicaid funding.

Learn more about how HR 6201 will impact both employers and employees below.

HR 6201 summary shared by Purvis Gray, Certified Pubic Accountants, 3/20/20.

Analysis shared by Affinity HR Group, posted 3/23/20.

 

HEALTH DEPARTMENT INFORMATION, MAPS, AND LOCAL UPDATES