Back to Business Update for Tuesday, May 12th
Reopening Updates
CONNECTICUT
Governor Lamont Releases Rules for Businesses Under First Phase of Connecticut’s Reopening Plans Amid COVID-19.

Documents Describe Detailed Protocols Necessary for Certain Businesses to Operate Beginning May 20.

MASSACHUSETTS
The Massachusetts economy will be reopened using a four-phase approach, based on public health guidance.
FOR YOUR CONSIDERATION:

As businesses make plans to head back to work, it's important that a comprehensive written plan is developed.

We have created a useful checklist for your planning purposes. You can download it HERE.

We have also provided a link below to download a planning guide that can be modified with your plans.
WHAT YOU NEED TO KNOW
PPP Guidance for Employees Refusing to Return to Work
The Small Business Administration (SBA) recently issued new guidance regarding the Payment Protection Program (PPP), established to offset the economic effects of the coronavirus pandemic.

Small businesses can request loans from the PPP to help cover payroll costs. This new guidance from the SBA concerns employees who refuse to return to work after a business reopens.

Dependent Care Benefits and
COVID-19 Outbreak
A dependent care assistance program (DCAP) allows employees to pay for
qualifying dependent care expenses, such as day care expenses, on a taxfree
basis, up to certain limits.

With many schools and day care facilities closing due to the COVID-19 outbreak, employees may want to change the amount of their DCAP contributions. Also, employees may be concerned about not being able to use all of their DCAP funds this year due to
changing child care needs and availability.

COVID-19’s Impact on Health
Savings Accounts
The coronavirus (COVID-19) pandemic has had far-reaching effects on all aspects of business and society—including health savings accounts (HSAs).

The federal government has enacted legislation designed to provide relief during the COVID-19 pandemic, and these laws have created changes to
HSAs.

Find additional COVID-19 and "Back To Business" related information on our website. You can get there by clicking HERE .
How To Reach Us:
You can find an employee directory HERE
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MORE ABOUT US
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.  
 Group/Commercial Products
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
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.