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June 18th, 2020
COVID-19 News & Updates
As you know, the Coronavirus is having an impact on business and society. Our thoughts and prayers are with all those impacted by the situation. We will be providing daily and weekly updates about COVID-19 to you. We hope that you find these interesting and informative.
EIDL Portal Opened Back Up!

As of June 15th -
The U.S. Small Business Administration has reopened the Economic Injury Disaster Loan (EIDL) portal to ALL eligible small businesses! The EIDL provides low-interest loans and up to $10,000 advance that you do not need to pay back.

If you weren’t able to apply before, or if you did not receive an answer on your first application, apply or reapply now! It only takes a few minutes to complete the application.

The disease caused by the novel coronavirus has killed at least 115,000 people in the United States  since February . By April 13, it had killed in every state.
The overall daily death toll began to decline in May, largely because of a sharp decrease in deaths and reported infections in some of the hardest-hit urban centers such as Detroit, Seattle, New Orleans, and, most notably, New York City.
But the virus continues to accelerate in pockets of more rural areas, and public health officials fear new surges  as states loosen restrictions  after weeks of near-total sheltering in place.

REMINDER - Great News!!
Premium Holiday - no Premium due for July  
Delta Dental Announces a “Pandemic Relief Credit” for Business Clients!
We recently sent this article out back in May, but in case you missed it, we wanted to send another reminder.

Press Release from Delta Delta 5/7/2020
Dear Delta Dental of Arkansas Agency Partner,

We understand that the COVID-19 pandemic outbreak is causing significant challenges and hardships for your group clients. The closure of dental practices, except for emergencies, has created a substantial reduction in claims utilization and loss ratios. Accordingly, we want to reduce our customers’ premiums and administrative fees to align more closely with their benefit costs.

In addition to the  temporary policy changes  we announced on April 9, 2020, we are now announcing a  “Pandemic Relief Credit”  for commercial group clients with dental and/or vision insurance.
  • Fully insured group clients will receive a credit on their July 2020 bill for 100% of the July premium amount. This means their bill for July premiums will be $0.  However, any outstanding premiums or adjustments for months prior to July will be listed on the bill. 
  • Self-insured group clients will receive a credit on their July 2020 bill for 100% of July’s administrative fees. This means their bill for July administrative fees will be $0.
This is not a refund. And it’s not a discount on premiums. This is a “don’t pay us at all for July!” way for Delta Dental to financially help our customers and their employees during this unprecedented time in our lives.

Why July for the “Pandemic Relief Credit?”
The main reason for picking July is to give our fully insured group clients sufficient notice to make any necessary adjustments to payroll deductions for premiums.

New Group Eligibility for the “Pandemic Relief Credit”
All active and new groups are eligible for the “Pandemic Relief Credit.” New groups with a July 1, 2020 coverage effective date will receive a credit on their July bill for 100% of the July premium amount. Any binder checks submitted will be applied to the group’s August bill.

You can also find details on Delta Dental’s Corporate Response to the Covid-19 pandemic at  www.DeltaDentalAR.com/Covid-19.

Employers cannot keep employee dental and vision premiums
for the month of July

Delta Dental is waiving Dental and Vision Premiums for the month of July. While this is great news, what is important to know is that  employers cannot keep the insurance premiums that were payroll deducted by employees. So if you have a voluntary vision and/or dental plan, you have to tell your payroll company that all vision and/or dental payroll deductions for the month of July need to be stopped and turned back on starting Aug 1.  Please make sure to let your Payroll company or Payroll Controller know this now so that they can prepare accordingly.

Furthermore, a COBRA employee has to be treated as a regular employee. COBRA premiums will also be waived for the month of July.

If you have any questions about this, please contact your group service team below and they will be happy to help you!
Improving Virtual Meetings

Virtual meetings require more planning than in-person meetings to be effective. This article explores common challenges and best practices to help meeting leaders drive attendee engagement, acceptance and commitment to action.

On behalf of all of our team, please know that we are here for you and that we will continue to do everything we can to support you during this time. Please do not hesitate to let us know if there is anything you need! 

The Hatcher Agency
REMINDER - Great News!!-Agency Content
Improving Virtual Meetings-Zywave