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Coronavirus Preparedness Plan

Coronavirus Preparedness Plan

Coronavirus Preparedness Plan

As we watch, wait and see the evolution of this Corona Virus outbreak, it is important that employers plan. This is not a situation where you want to panic should this hit your business.

What we know about the virus

Coronaviruses are an extremely common cause of colds and other upper respiratory infections. The symptoms can include a cough, possibly with a fever and shortness of breath. There are some early reports of non-respiratory symptoms, such as nausea, vomiting, or diarrhea. Many people recover within a few days. However, some people — especially the very young, elderly, or people who have a weakened immune system — may develop a more serious infection, such as bronchitis or pneumonia.

Should you worry about catching this virus?

Unless you’ve been in close contact with someone who has the coronavirus — right now, this typically means a traveler from Wuhan, China who actually has the virus — you’re likely to be safe. In the US, for example, all five cases of the virus were recent travelers to Wuhan. The CDC maintains the risk is low to Americans, however, “we need to be preparing as if this is a pandemic, but I continue to hope that it is not,” said Dr. Nancy Messonnier, director of the CDC’s National Center for Immunization and Respiratory Diseases.

How can I protect myself? 

Much like prevention of the spread of any other infectious disease, basic hygiene principles are key to curbing the spread of this virus.

  • Wash your hands often with soap and water for at least 20 seconds. Use an alcohol-based hand sanitizer that contains at least 60 percent alcohol if soap and water are not available.
  • Avoid touching your eyes, nose and mouth with unwashed hands.
  • Avoid close contact with people who are sick.
  • Stay home when you are sick.
  • Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
  • Clean and disinfect frequently touched objects and surfaces.

Be mindful of:

  • Employee wellbeing. Monitor updates from public health officials and governments and keep employees informed and educated about the outbreak and any steps being taken to safeguard their health. Encourage employees to stay home when sick and telecommute if the outbreak worsens.
  • Travel policies. As of Monday, January 27th, the CDC has issued a stronger warning about travel, urging Americans to reconsider travel anywhere in China, issuing a stronger level 4 warning for the specific province where Wuhan is located, stating: “Do not travel to Hubei province, China” due to the coronavirus outbreak.
    The Centers for Disease Control and Prevention urges people to seek medical care right away if they had traveled to Wuhan in the past two weeks and develop a fever, cough or trouble breathing. It says older adults and people with underlying health conditions may be most at risk for severe illness from the virus.
  • Potential supply chain interruption. Identify operational and/or revenue impacts from potential disruptions to key suppliers and vendors. Also consider the possibility of sourcing good or parts from alternative suppliers.
  • Insurance coverage. Review insurance policies, prepare for potential claims, and consult your broker if you have questions.

Resource:

Please contact us for further information or if you need assistance creating a workable plan.

For information about transparency providers and new tech tools contact us at info@medicalsolutionscorp.com or (855)667-4621.

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NJ Employers Additional ACA 1094/1095 Reporting

NJ Employers Additional ACA 1094/1095 Reporting

As per New Jersey State Law, in addition to the original 1094/1095 filing requirements, New Jersey applicable large employers (ALE’s) and self-insured small groups MUST also file electronically with New Jersey by March 31, 2020. They will not accept paper filings.

For information on how to file electronically from New Jersey State click here.

Fully-Insured Employers: 

For employers with fully-insured plans, carriers are required to submit Forms 1095-B to the state for each covered employee who is a resident of New Jersey. Employers with fully insured plans should ensure that their carrier is submitting these forms to the state. If no forms are filed, the state can hold employers and insurers jointly liable for the failure to file forms.

  • If the carrier submits these forms, fully-insured employers do not need to submit additional reporting.
  • If the carrier does not submit Forms 1095-B to the state, employers should submit Forms 1095-B or 1095-C to the state for each covered employee who is a resident of New Jersey.

At this time New Jersey is the only state with a state specific filing requirement.

As a reminder below are the 2020 filing deadlines for 2019 coverage: 
ACA Requirement Deadline
1095 forms delivered to employees March 2, 2020 (extended from Jan 31)
Paper filing with the IRS February 28, 2020
Electronic filing with the IRS March 31, 2020
New: Electronic filing with New Jersey State  (New Jersey ALE’s and Self-insured Small Groups) March 31, 2020
Privacy concerns for non-New Jersey residents

The allowance of filings that include non-New Jersey residents raises significant privacy and legal concerns for employers who employ across the country. The State of New Jersey’s website cautions, “Out-of-state filers who provide information on non-residents of New Jersey should consult privacy and other laws pertaining to residents of other States before sending any sensitive or personal data to New Jersey.”

The 1095-C form includes the following protected information and HIPAA data:

  • Social Security number
  • Taxpayer name and dependent names
  • Date of birth
  • Health insurance enrollment dates

Employers who use this short-cut option could face sharp scrutiny from employees who do not reside in New Jersey. There may also be privacy concerns if their HIPPA protected data is provided to New Jersey without their consent.

Additional Resources

The information and materials on this blog are provided for informational purposes only and are not intended to constitute legal or tax advice. Information provided in this blog may not reflect the most current legal developments and may vary by jurisdiction. The content on this blog is for general informational purposes only and does not apply to any particular facts or circumstances. The use of this blog does not in any way establish an attorney-client relationship, nor should any such relationship be implied, and the contents do not constitute legal or tax advice. If you require legal or tax advice, please consult with a licensed attorney or tax professional in your jurisdiction.