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Employee Benefits OSHA Issues New COVID 19 Worker Protections After Executive OrderIn response to one of many executive orders signed by President Biden, OSHA recently issued new COVID-19 workplace guidelines to keep employees safe during the pandemic. Find out what HR teams should know about this incoming set of regulations.

How Does the Occupational Safety and Health Administration (OSHA) Protect Workers?
The Occupational Safety and Health Administration (OSHA) is an agency of the U.S. government under the Department of Labor (DOL). OSHA’s mission is to aid in the prevention of work-related injuries, illnesses, and deaths. Employers are required to adhere to certain OSHA regulations that ensure compliance with these goals, including record-keeping for on-the-job injuries and illnesses and providing a hazard-free workplace.

These objectives have been put to the test during the coronavirus pandemic. Between providing personal protective equipment (PPE), working remotely, and enforcing social distancing measures, many employers have struggled to keep up with the guidelines that help keep employees safe from COVID-19. As a result, pandemic-related lawsuits against American employers are on the rise.

OSHA Issues New COVID-19 Guidance in 2021
On Jan. 21, 2021, President Biden signed an executive order that directs OSHA to provide more COVID-19 safety guidelines. On Jan. 29, 2021, OSHA released these new regulation guidelines on its website.

Many of the components of this guidance remain consistent with previously released recommendations:

  1. Making a COVID-19 Vaccine/Vaccine Series Available at No Cost to All Eligible Employees: Including providing information and training about the safety and benefits of vaccinations.
  2. Maintaining Safety Standards Despite Employee Vaccination Status: Workers who are vaccinated should still follow protective measures like mask-wearing until more evidence about post-vaccination transmission is available.
  3. Providing Masks to Employees: Face coverings should be provided at no cost to the employee, among other recommended guidelines.
  4. Continue Offering FFCRA Leave: While still available through March 31, 2021, FFCRA leave is no longer mandatory. With this said, employers that do offer voluntary FFCRA leave are eligible for a tax credit to cover costs related to employee time off.
  5. Providing Guidance About Screening and Testing: Employers should follow state or local guidance and priorities for screening and testing in workplaces. Workplace testing can be arranged through the employer’s health provider or in coordination with the local or state health department.

 For the full list of guidance, visit osha.gov.

OSHA Considering Emergency Temporary COVID-19 Standards for 2021
The executive order also mandates OSHA to determine the necessity of new emergency temporary safety standards for the workplace and implement and enforce these measures if applicable. New emergency standards are required to be issued by March 15, 2021.

There is a difference between OSHA guidance and emergency temporary standards. The former constitutes a set of recommended guidelines for employers while the latter includes rules that must be followed by employers—and is enforceable by OSHA. While not yet released, temporary, enforceable directives could include:

  1. Requiring mask-wearing in the workplace; and
  2. Making short-, medium-, and long-term changes to better protect employees on the job and ensure equity in enforcement.

What Else Should HR Know About New OSHA Requirements for Employers? The same executive order stated that it will launch a new national program to focus OSHA coronavirus enforcement efforts on violations that put the largest number of employees at serious risk. While little is known about the program at this time, the refocused enforcement initiative is likely to impact larger employers and industries on the frontline of the pandemic, including healthcare workers, food supply workers, and more.

HR professionals should stay on top of the two deadlines set by the Biden administration and adjust practices accordingly. As a reminder, these dates include: 

    • New OSHA Guidance: Issued on Friday, Jan. 29, 2021
    • New  Emergency Temporary Standards: By Monday, March 15, 2021

 

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

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.

Join us at any of the upcoming, free Acrisure compliance webinars!

January 2021 Gulfshore Insurance Employee Benefits Compliance Webinar Feb 2021 Gulfshore Insurance Employee Benefits Compliance WebinarMarch 2021 Gulfshore Insurance Employee Benefits Compliance Webinar April 2021 Gulfshore Insurance Employee Benefits Compliance Webinar

 

 

 

 

 

 

 

 

 

 

 

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If you have any questions or need assistance, please reach out to your Gulfshore Insurance Account Manager.

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.

Undertanding COVID 19 VaccineFrom the onset of the COVID-19 pandemic, Cigna has focused on delivering peace of mind and made health care easier for the people and businesses they serve.

With headlines indicating that some vaccines are seemingly nearing the final stages of testing, they recognize that many clients will begin looking for guidance to help support and respond to their employees. Some of the areas that are top of mind include:

  • Availability of vaccine
  • How those in your workforce fit into the phased vaccine rollout
  • Vaccine costs for you and your employees
  • Understanding what you can do now to prepare

 

With the support and expertise of Cigna’s clinical team, they created a Understanding COVID-19 Vaccines FAQ to provide some grounding in what we know today. The FAQ also includes links to valuable resources and tips at the Centers for Disease Control & Prevention (CDC), U.S. Food & Drug Administration (FDA), and other sources.

Click here to download the Understanding COVID-19 Vaccines FAQ

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

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.

In October 2020, the IRS announced key updates to 401(k) contribution limits for 2021, including changes to catch-up contributions and employer contributions. Here’s what HR needs to know about this announcement.

Recap: Employee and Employer Contribution Limits for 2021

Released on Oct. 26, 2020, the IRS announced cost-of-living adjustments for contribution limitations for retirement accounts. Several changes were made overall, however, employee elective deferral limits remain unchanged.

In 2021, employees who participate in 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan may only contribute $19,500 to these accounts. However, the IRS announced that a $1,000 increase in maximum contributions from all sources, which include employee and employer contributions. In other words, the employer contribution cap increased by $1,000, setting the maximum defined contribution limit at $58,000.

Meanwhile, the catch-up contribution limit for employees 50 and older—and who participate in these plans—also remains unchanged at $6,500.

Other Major Retirement Savings Changes for 2021

The IRS also announced income range increases for determining eligibility to make deductible contributions to the following account types:

  • Individual Retirement Arrangements (IRAs)
  • Roth IRAs
  • Saver’s Credit claims

New phase-out ranges were introduced for 2021 IRA contribution deductions, as well as income limits for the Saver’s Credit. This information can be found in full detail by reviewing IRS Notice 2020-79.

What Else Should Employers Know?

This latest update from the IRS is one of several key changes to 401(k) and retirement plans made in 2020. With proper planning, the adjustments can help employees with long-term savings.

In July, the IRS eased limits on early retirement withdrawal eligibility thanks to the CARES Act, which helped provide much-needed relief to Americans during the COVID-19 pandemic. Additionally, in September, the IRS issued new SECURE Act guidance for 401(k) withdrawals.

Combined with the minor update to maximum defined contribution limits, these updates should be communicated to employees in a clear manner. Also, as a matter of best practice, consider reaching out to your 401(k) plan sponsors and/or vendors for additional guidance moving forward.

Click here to download the legal update

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.

Join us at any of the upcoming, free Acrisure compliance webinars!

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Click here to download the calendar of upcoming webinars

If you have any questions or need assistance, please reach out to your Gulfshore Insurance Account Manager.

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.