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Below, please find updates for Wednesday, April 1st
If you have any questions please reach out to your Broker, their contact information can be found here (scroll to bottom of page).

  • We are also posting additional information on our LinkedIn page here

  • And have created an archive of news and articles on our COVID-19 Update page here

Coronavirus Aid, Relief, and Economic Security Act (CARES)
Frequently Asked Questions
The U.S. Chamber of Commerce released a comprehensive FAQ on the Coronavirus Aid, Relief and Economic Security Act (CARES) on March 31, 2020. We have provided an excerpt below, to address the portions of the document that are relevant to businesses with 500 or fewer employees. The complete document can be found on the COVID-19 Response page at www.myHCG.com.
A message from Thomas Flavin, Head of Distribution, Employee Benefits
DOL Clarifies Exemptions to
Coronavirus Paid Leave Laws
The U.S. Department of Labor (DOL) has issued frequently asked questions
(FAQs) that address exemptions to the paid leave requirements under the
Families First Coronavirus Response Act (FFCRA).

The FFCRA requires covered
employers to provide their employees with paid sick leave or expanded family
and medical leave for specified reasons related to COVID-19.

CARES ACT Stimulus Bill Permanently Reinstates Coverage for Eligible Over-the-Counter Drugs & Medicines for Reimbursement
The CARES ACT (COVID-3 Stimulus Bill) that was recently passed by Congress permanently reinstates coverage of OTC (Over the Counter) drugs and medicines as eligible for reimbursement from FSAs, HRAs, HSAs, and Archer MSAs without need for a prescription. It further expands the definition of qualified OTC items to include menstrual care products. 
We expect it will take some time for all the products to be identified and updated in every merchant's system. We will keep you informed as guidelines change.

The IRS has just confirmed 2019 HSA Contributions may be accepted up to the filing deadline of July 15, 2020. Read Q&A by clicking the link below.
The Health Consultants Group and The Health Solutions Insurance Agency are insurance brokerage firms specializing in employee benefits with a focus on health care reform and employee wellness programs. Our unique strategies tie together benefits, wellness and health reform initiatives to ensure your company is compliant with the ever changing health care landscape . Visit our website here.  
Employees Benefits

  • Fully Insured Health Insurance
  • Self-Funded Health Insurance
  • Group & Individual Life
  • Short & Long Term Disability
  • Group & Individual Long Term Care
  • Dental
  • Vision
  • Prescription Drug
  • AD&D
  • Travel
  • Medicare
  • Critical Illness
  • Short Term Medical
  • Professional Employer Organizations 
  • Association Programs

Commercial Insurance Coverage

  • Liability
  • Property
  • Workers' Comp
  • Commercial Automobile & Trucks
  • Crime & Employee Theft
  • Equipment Breakdown
  • Business Income Loss
  • Umbrella & Excess Liability
Special Coverage Programs

  • Municipality
  • Nursing Homes
  • Trash Haulers
  • Moving & Storage
  • School Bus Contractors
  • Fuel Oil Dealers
  • Private Schools
  • Golf Courses
  • Marinas

Management & Executive Liability Coverage

  • Directors & Officers
  • Professional Liability
  • Errors & Omissions
  • Employment Practices
  • Employee Benefits
  • Bonds - Performance, Permit & Licensed

Risk Management Services

  • Coverage & Exposure Account Reviews
  • Bid Preparation & Coverage Placement
  • Claim Management & Reporting Services
  • Loss Control Services
  • Safety Programs
  • Property & Building Appraisals
  • Technical Assistance
  • Various Consulting Services
Contact us at (860) 351-0100 
to find out more! 
Do you have employees without insurance? Maybe a spouse, child or parent needs additional insurance? Get the coverage you need. Contact us at (860) 351-0100 and ask for our small business department.