{"id":9201,"date":"2020-03-24T09:05:29","date_gmt":"2020-03-24T14:05:29","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=9201"},"modified":"2020-11-17T11:03:26","modified_gmt":"2020-11-17T17:03:26","slug":"relief-bill-questions-answered","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/relief-bill-questions-answered\/","title":{"rendered":"Relief Bill Questions Answered"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9201\" class=\"elementor elementor-9201\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-4b580c0b elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"4b580c0b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6be6983e ae-bg-gallery-type-default\" data-id=\"6be6983e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a1a8d72 elementor-widget elementor-widget-heading\" data-id=\"5a1a8d72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A compilation of most frequently asked questions from our recent webinar<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-111231f2 elementor-widget elementor-widget-text-editor\" data-id=\"111231f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>CWA Partner Dan Wicker hosted a webinar last week, March 20, 2020 with CEDR HR Solutions CEO Paul Edwards. The popular webinar, \u201cManaging Staff and Office Closures: Practical Guidance for Employers\u201d went over several topics around preparing your practice for closure, managing staff during this turbulent time and sharing resources available to you.<\/p><p>We received many questions during the live webinar, and were unable to address them all during the session. As a follow up, our CWA advisors reviewed the questions, grouped them into pertinent categories and have addressed many of the questions and concerns below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-2bddf117 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"2bddf117\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-54b118f9 ae-bg-gallery-type-default\" data-id=\"54b118f9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4daf367c elementor-widget elementor-widget-text-editor\" data-id=\"4daf367c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Listen to the March 20 Webinar On-Demand Here<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-831cc18 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"831cc18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/cainwatters.zoom.us\/webinar\/register\/rec\/WN_IIE98CGoQlKD7WHlrr-V_g?meetingId=opRndYj5915LU6v0-UjwW_F8A6D8T6a803BIrqYOykl-7drX-cRPXtDlyDrvvbXi&#038;playId=&#038;action=play\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">WATCH WEBINAR<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-7b01ecf elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"7b01ecf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78d661d2 ae-bg-gallery-type-default\" data-id=\"78d661d2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16fb4e4e elementor-widget elementor-widget-text-editor\" data-id=\"16fb4e4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As a reminder, the information provided below does not take into account individual financial circumstances and is not intended to be comprehensive or replace individual tax or financial planning advice.<\/p><p><span style=\"text-decoration: underline;\"><strong><span style=\"color: #003366; text-decoration: underline;\">What should I do with my staff (terminate, layoff, furlough) and when should I take action?\u00a0\u00a0<\/span><\/strong><\/span><\/p><p style=\"padding-left: 40px;\">This is both a financial and emotional decision.\u00a0 As the business owner, you must take measures to protect your business<em>\u00a0so there is a place of employment for your employees when you are ready to\u00a0re-open<\/em>.\u00a0<\/p><p style=\"padding-left: 40px;\">Temporarily laying off your employees now\u00a0will provide immediate\u00a0cash flow relief for the practice.\u00a0 By doing this, all employees will be eligible to file for full unemployment.\u00a0 States have made provisions to allow immediate access to employees for unemployment due to the COVID-19 crisis.\u00a0<\/p><p style=\"padding-left: 40px;\">Although the timeline of the unemployment is uncertain, this is not a permanent situation and as your practices will re-open, you will need to rehire your staff to begin operations again.\u00a0\u00a0 The first step to accomplish the layoff is to provide each staff member with the <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.cedrsolutions.com\/wp-content\/uploads\/2020\/03\/Coronavirus-Office-CLOSURE-Memo-Template.docx\">memo provided by CEDR<\/a><\/span>, putting employees on notice of the office closure.\u00a0 Your employees will then use this letter to apply for their full unemployment benefits.<\/p><ul><li><strong><u>What happens if they work some during this period?<\/u><\/strong><\/li><\/ul><p style=\"padding-left: 40px;\">In the event you have staff members work for <strong>ANY<\/strong> reason (including mandatory virtual meetings) during the office closure you will be required to pay them their normal pay and issue them a payroll check.\u00a0 The employee will then be required to report their earnings to the unemployment office so that they can adjust their unemployment benefits accordingly.<\/p><ul><li><strong><u>What happens to the\u00a0pension plan?<\/u><\/strong><\/li><\/ul><p style=\"padding-left: 40px;\">The employees\u2019 pension plan balance will remain intact after the layoff. While the employee is no longer receiving a paycheck there will be no salary deferral or employer match during that time. Your employees may wish to reduce the salary deferral to $0 during this time.\u00a0 They can do this by completing an updated salary reduction agreement. When an employee returns to work, they will resume participation in the plan at the same level and vesting that they had prior to the layoff.\u00a0 The layoff will not immediately result in your employees becoming vested in any of their unvested plan balance however, this final determination will be made at the end of the plan year by your pension administrator.<\/p><ul><li><strong><u>What about\u00a0exempt\u00a0employees?<\/u><\/strong><\/li><\/ul><p style=\"padding-left: 40px;\">Exempt employees are eligible for unemployment benefits just as hourly employees are eligible.\u00a0 The doctor will need to convert the salaried employee to a non-exempt so that if\u00a0the employee is requested to work at all during the lay off period the employer can pay them for only the hours worked.<\/p><ul><li><strong><u>What about Paid Time Off (PTO) and\/or Accrued Vacation?<\/u><\/strong>\u00a0<\/li><\/ul><p style=\"padding-left: 40px;\">If you provide your employees with PTO and\/or vacation and they have accrued this benefit at the time of the lay off, then the employee has the option to request they be paid the accrued amount.\u00a0 If they so choose, you are obligated to pay them this amount.\u00a0 This will delay the time frame for the employee to receive any unemployment benefits and when they return to work, they will not have any benefit remaining.\u00a0<\/p><p><span style=\"color: #003366;\"><strong><u>What do I do about medical insurance premiums?<\/u><\/strong>\u00a0<\/span><\/p><p style=\"padding-left: 40px;\">First, you should contact your health insurance company\/broker to discuss your options\/requirements if an employee is laid off.\u00a0<\/p><p style=\"padding-left: 40px;\">When an employee is laid off the employer&#8217;s responsibility for all compensation is suspended.\u00a0 Your plan may have provisions that provide for a 90-day grace period where you as the employer can continue to pay the premium for your employee. After any grace period, COBRA coverage would apply if applicable.\u00a0<\/p><p style=\"padding-left: 40px;\">COBRA coverage is mandatory for employers with greater than 20 employees.\u00a0 Many states have laws similar to COBRA for employers with less than 20 employees. Check with your healthcare provider to determine if your state has this coverage if you have less than 20 employees.\u00a0If the employee qualifies for coverage under HR 6201 and is entitled to Family Medical Leave coverage, then the employer is required to continue making their normal contributions to the cost of the health insurance premiums.\u00a0<\/p><p><span style=\"color: #003366;\"><strong><u>How do we treat Associate Doctors? <\/u><\/strong><\/span><\/p><p style=\"padding-left: 40px;\">This is dependent upon whether they are independent contractors or employees.\u00a0 If they are independent contractors, then they will not be able to file unemployment under your business. They are technically self-employed.\u00a0For associates that are employees, they will be eligible for unemployment benefits.\u00a0<\/p><p style=\"padding-left: 40px;\">Again, because they are considered exempt employees\u00a0you will want to convert them to non-exempt status so you would only have to pay them for hours worked during the layoff period. You will also need to refer to any legal contract you have in place with them to determine if other steps should be taken.<\/p><p><span style=\"color: #003366;\"><strong><u>How do you file for unemployment and who is eligible?<\/u><\/strong><\/span><\/p><p style=\"padding-left: 40px;\">All employees who have been laid off are federally eligible for unemployment.\u00a0 Every state has their specific requirements and\u00a0processes to be followed to obtain the benefit.\u00a0 You should consult your state agency to seek guidance for you and your staff on the process to be filed.\u00a0 For owner doctors and family who have been employed and received W-2 wages, they too will be federally eligible to file for unemployment.\u00a0 Again, you will need to verify with your state agency if an owner doctor is eligible.<\/p><p><span style=\"color: #003366;\"><strong><u>Who does the Relief Act (HR 6201) apply to and when does it go into effect?<\/u><\/strong>\u00a0<\/span><\/p><p style=\"padding-left: 40px;\">The Relief Act applies to all employers with fewer than 500 employees.\u00a0The act was signed on March 18, 2020, and will be effective no later than 15 days after signature or April 2, 2020.\u00a0 The act does provide for exclusion of employers of healthcare workers and emergency responders.\u00a0<\/p><p style=\"padding-left: 40px;\">The Secretary of Labor\u00a0may exempt employers with less than 50 employees. But we do not have guidance on the criteria for exemption at this writing.\u00a0 We will provide guidance as soon as the DOL issues the regulations.<\/p><p><span style=\"color: #003366;\"><strong><u>What are the tax credit incentives and how do they work?<\/u><\/strong>\u00a0<\/span><\/p><p style=\"padding-left: 40px;\">If an employer is obligated to pay benefits under HR 6201, then they will be entitled to a tax credit.\u00a0 The credit amount varies dependent upon the benefit the employer was required to pay out.\u00a0 Eligible employers who pay qualifying sick or childcare leave will be able to retain an amount of payroll taxes equal to the amount of leave they paid rather than depositing payments with the IRS.\u00a0 To the extent the amount paid exceeds the payroll taxes, the employer will file a request for accelerated payment from the IRS for the difference.\u00a0 IRS directions on this procedure are forthcoming.<\/p><p>Our team is working around the clock to keep up with the changes in the economy and the government\u2019s reaction to it. We are here to help guide clients through this uncertainty.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-39f9ac5a elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"39f9ac5a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23021aa5 blue-box ae-bg-gallery-type-default\" data-id=\"23021aa5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b1b4e58 elementor-widget elementor-widget-text-editor\" data-id=\"3b1b4e58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We hope this helps provide clarity for your situation, but we understand every practice is unique. If you want a financial planning team dedicated to your success, contact our team.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-075542a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"075542a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.cainwatters.com\/contact\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT US<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A compilation of most frequently asked questions from our recent webinar CWA Partner Dan Wicker hosted a webinar last week, March 20, 2020 with CEDR HR Solutions CEO Paul Edwards. The popular webinar, \u201cManaging Staff and Office Closures: Practical Guidance for Employers\u201d went over several topics around preparing your practice for closure, managing staff during [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":9202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_ppma_block_editor_authors":""},"categories":[41,18,29],"tags":[],"ppma_author":[48],"class_list":["post-9201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","category-financial-planning","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Relief Bill Financial Questions from Small Business Owners, Answered<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cainwatters.com\/digitalblogs\/relief-bill-questions-answered\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Relief Bill Financial Questions from Small Business Owners, Answered\" \/>\n<meta property=\"og:description\" content=\"A compilation of most frequently asked questions from our recent webinar CWA Partner Dan Wicker hosted a webinar last week, March 20, 2020 with CEDR HR Solutions CEO Paul Edwards. The popular webinar, \u201cManaging Staff and Office Closures: Practical Guidance for Employers\u201d went over several topics around preparing your practice for closure, managing staff during [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/relief-bill-questions-answered\/\" \/>\n<meta property=\"og:site_name\" content=\"Cain Watters Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-03-24T14:05:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-17T17:03:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2020\/03\/Covid-Header-09.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2501\" \/>\n\t<meta property=\"og:image:height\" content=\"1309\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"CWA\" \/>\n<meta name=\"twitter:card\" 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