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HR Compliance Bulletin Gulfshore Insurance Employee Benefits Naples Florida EEOC Adds 18 FAQs on COVIDOn Sept. 8, 2020, the Equal Employment Opportunity Commission (EEOC) added 18 new answers to frequently asked questions (FAQs) to its existing guidance on how employers should comply with the Americans with Disabilities Act (ADA) while also observing all applicable emergency workplace safety guidelines during the coronavirus (COVID-19) pandemic. The agency also updated two of the FAQs from the existing guidance.

The new and updated FAQs clarify the types of questions employers may ask employees related to COVID-19 and how employers must handle any medical information they obtain about their employees. The new FAQs also provide expanded guidance on providing telework as a reasonable accommodation both during and after the pandemic.

This HR Compliance Bulletin contains only the FAQs that were added or updated on Sept. 8, 2020. Employers that are subject to the ADA should not only become familiar with these FAQs, but also review the EEOC’s full guidance, which was initially issued on March 18 and updated several times in April, May and June 2020. An employer is subject to the ADA if it has 15 or more employees. Smaller employers may be subject to similar rules under applicable state or local laws..

Click here to download the full HR Compliance Bulletin

 

Ryan Laude is a Client Advisor at Gulfshore Insurance specializing in employee benefits. Ryan works with a wide range of businesses to create the best funding options that fit their needs. Comments and questions are welcome at rlaude@gulfshoreinsurance.com

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in employee benefits insurance including group medical, dental, vision, life insurance, short and long term disability, voluntary life, employee assistance programs, wellness programs, individual life insurance, and more. Our insurance and risk management advisors are experts can provide valuable services including benefits plan design and administration, human resources support, funding options, compliance assistance, benefit administration, and enrollment services. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

IRS Issues Guidance on Payroll Tax Deferment Presidential OrderOn Aug. 8, 2020, President Donald Trump ordered the U.S. Department of Treasury to defer collecting certain payroll taxes from wages earned between Sept. 1 and Dec. 31, 2020.

On Aug. 28, 2020, the Internal Revenue Service (IRS) issued Notice 2020-65 (the Notice) to provide guidance for affected employers. Employer participation in these deferrals is permitted, but not required. The Notice releases employers from their obligation to collect and pay payroll Social Security taxes for individuals who receive applicable wages, defined as compensation that is less than $4,000 for a biweekly pay period, or “the equivalent threshold amount with respect to other pay periods.” Employers must determine whether applicable wages exist every pay period between Sept. 1 and Dec. 31, 2020.

Click here to download the legal update

We will continue to share information as it becomes available and keep you informed.

Ryan Laude is a Client Advisor at Gulfshore Insurance specializing in employee benefits. Ryan works with a wide range of businesses to create the best funding options that fit their needs. Comments and questions are welcome at rlaude@gulfshoreinsurance.com

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in employee benefits insurance including group medical, dental, vision, life insurance, short and long term disability, voluntary life, employee assistance programs, wellness programs, individual life insurance, and more. Our insurance and risk management advisors are experts can provide valuable services including benefits plan design and administration, human resources support, funding options, compliance assistance, benefit administration, and enrollment services. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

Commercial Lines PPP Loan Forgiveness UpdateLast month, Congress was considering a law that would automatically forgive Payment Protection Program (PPP) loans under $150,000. If this law is approved, small businesses who received a PPP loan of less than $150,000 would have their loan automatically forgiven without having to file the forgiveness application with their bank.

As of now, Congress still has not approved automatic forgiveness of PPP loans for small businesses.

Because the forgiveness application is lengthy, many small businesses are waiting to file their applications in the hopes that Congress will approve automatic forgiveness. And many banks are encouraging PPP recipients to wait since interest is not incurring and there is not a tight deadline at this point to apply for forgiveness. Businesses have 24 weeks from the date of their loan to apply for forgiveness.

To apply for loan forgiveness, you will need to file an application (Form 3508) with the bank that issued the loan to you. If your business did not reduce the number of its employees or their wages, you can use the more streamlined Form 3508EZ.

You can download the forgiveness application [Form 3508] by clicking here, and the instructions by clicking here.

The simplified forgiveness application [Form 3508EZ] can be downloaded by clicking here and the instructions by clicking here.

We will continue to share information as it becomes available and keep you informed.

Ryan Schmidt is a Client Advisor and Partner with Gulfshore Insurance. Ryan specializes in working with commercial clients. Comments and questions are welcome at rschmidt@gulfshoreinsurance.com.

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in business insurance including liability insurance, property insurance, workers compensation insurance, vehicle insurance, business income interruption insurance, cyber insurance, commercial umbrella insurance, and more. Our insurance and risk management advisors are industry specialists for condominium associations, golf and country clubs, oil and petroleum marketers, construction, landscaping, churches and non-profits, and work comp. Navigating insurance requires an experienced and trusted insurance agent who understands your business risks and exposures. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, Sarasota, Lido Beach, Longboat Key, Bradenton Beach, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

Commercial Lines President Trump Signs Executive Order on Pandemic ReliefPresident Donald Trump recently signed an executive order and three memorandums to address pandemic relief in response to the ongoing impact of the coronavirus (COVID-19) pandemic. After negotiations for a relief package between the White House and lawmakers collapsed, the executive actions extend pandemic unemployment benefits, student loan payment deferrals, eviction protections for renters and payroll tax cuts.

Actions Extend Unemployment Benefits
One of the memorandums signed extends federal unemployment benefits. This action creates a new benefit of $400 per week into December—which is a decrease from the previous unemployment insurance of $600 per week. The $600 amount received approval in March and was scheduled to expire at the end of July. According to Trump, states will be responsible for covering 25% of costs, or $100 per week, per individual.

Much of the workforce affected by COVID-19 has been reliant on unemployment benefits, which were scheduled to expire at the end of July. Congress and the White House had been negotiating a broader pandemic aid package, with unemployment benefits discussed as a core component. In the absence of an agreement, these actions were taken by Trump to address an extension for pandemic relief programs.

Student Loan Payments, Eviction Protections, Payroll Tax Cuts Addressed and Potential Challenges
Included in the series of executive actions was an executive order addressing eviction protections for renters. The executive order notes the impact that COVID-19 has had on housing, and extends the federal moratorium through 2020, offering protections for renters. This moratorium had also expired in late July. One of the memorandums issued addresses student loan payment deferrals. Payments on federal loans were suspended through September, and Trump’s memorandum extends payments through the end of 2020. Lastly, Trump issued a memorandum deferring payroll tax obligations through 2020, directing the Treasury Department to allow employers to defer payments for the employee portions of specific payroll taxes.

Generally, federal funding is controlled by Congress, leading to potential challenges for these executive actions.

Stimulus Relief Efforts
These executive actions did not address stimulus checks. The U.S. Senate has brought bills forward with stimulus relief as part of a broader pandemic relief package. Discussions regarding stimulus checks may extend into August and September.

If you have any questions, please do not hesitate reach out to your Gulfshore Insurance Client Advisor who can offer assistance. We are here to help.

We will continue to share information as it becomes available and keep you informed.

Ryan Laude is a Client Advisor at Gulfshore Insurance specializing in employee benefits. Ryan works with a wide range of businesses to create the best funding options that fit their needs. Comments and questions are welcome at rlaude@gulfshoreinsurance.com

COVID 19 Live Streaming Most Recommended Cameras Insurance Risk Management for Churches Non Profit Religious Organizations John Keller Southwest Florida Naples Fort MyersDuring the COVID-19 pandemic, your church leadership team has been left to figure out how to lead your congregation, how to continue the fellowship of believers, and how to continue ministering to your community as a virtual church in a safe and effective way. Many have utilized live streaming video to maximize your impact and keep your congregation as physically safe as possible.

As you continue to navigate the realities of virtual church and trying to make a visual impact, we have compiled a list of the most popular cameras available on the market, ranging in price from an entry level, minimal budget all the way to the top tier, professional gear. Thankfully, while you can spend thousands on camera, lighting, and audio equipment to produce high-quality content, this doesn’t need to be the case. As with most aspects of photography and videography, the financial barrier to entry is low, with your creativity being the most important key to success.

 

Best Cameras for Video:

Logitech C920 $
Microsoft Lifecam Studio for Business $
Logitech BRIO Webcam $
Canon Vixia HF R800 $$
Panasonic H-V770 $$
Canon 80D $$$
Panasonic Lumix GH4 $$$
Sony a6300 $$$
Sony A7 II $$$
Canon Vixia HF G21 $$$
Canon XA11 $$$
Epiphan LUMiO 12x PTZ Camera $$$
Panasonic Lumix GH5 $$$$
Canon EOS C100 II $$$$
Panasonic AG UX180 $$$$
Canon XF400 $$$$

 

While it may seem overwhelming to figure out how to get your service online quickly, start with a road map of where you are now and where you want to be. Take note if you already have video equipment available and what type of new equipment you would like to invest in. Consider where you want to stream your sermon. This will determine the platform you end up using to live stream the church service.

It is also important to ensure that your internet connection is fast enough to stream. You can get a dedicated internet connection for your stream. Work on your lighting. When you work on your lighting within the church, your live stream will have a better-quality picture for those watching. Set up your camera with the view you want people tuning in to see. Pick a live streaming platform that’s right for your church. Create your account, set up your stream, practice streaming it and then hit go on Sunday morning.

To view our complete risk management library of articles for churches and non-profits, click here.

John Keller, CRM ARM CIC AAI is Client Advisor & Risk Manager at Gulfshore Insurance specializing in non-profit and religious organizations. John works with a wide range of business clients to deliver strategic risk analysis and guidance. Comments and questions are welcome at jkeller@gulfshoreinsurance.com