Back to Work Interim Toolkit
Ver 1.3
August 6 , 2020
6 . Will my insurance cover lost revenue due to closing or due to reduced business because of COVID-19 ?
That depends on the Company ’ s insurance policy . Dental practices should work with their broker now to determine what kind of coverage may exist .
PROVISIONS OF CARES ACT
1 . How does CARES expand eligibility for unemployment insurance ?
Two categories of workers are eligible for new and / or enhanced unemployment benefits under CARES . First , employees who are currently eligible for unemployment benefits under state law (“ Eligible Employees ”). Second , “ Covered Individuals ” who are not currently eligible under state law for benefits may receive benefits if the employee provides self- certification that he or she is able and available to work , but is unemployed or partially unemployed due to any of the following :
• Has been diagnosed with COVID-19 or is experiencing symptoms and seeking a medical diagnosis .
• The individual is providing care for a family member or household member who has been diagnosed with COVID-19 .
• The individual is the primary caregiver for a child or other person in the household who is unable to attend school or another facility as a direct result of COVID-19 .
• The individual is unable to reach the place of employment because of a quarantine imposed as a direct result of COVID-19 .
• The individual is unable to work because a health care provider has advised the individual to selfquarantine due to COVID-19 concerns .
• The individual was scheduled to commence employment and does not have a job or is unable to reach the job as a direct result of COVID-19 .
• The individual has become the breadwinner or major support for a household because the head of household has died as a direct result of COVID-19 .
• The individual has to quit their job as a direct result of COVID-19 .
• The individual ’ s place of employment is closed as a direct result of COVID- 19 .
Significantly , the Act provides payment to those not traditionally eligible for unemployment benefits , such as individuals who are independent contractors , self-employed , or have a limited work history but are unable to work as a direct result of COVID-19 .
EMPLOYMENT / HR ISSUES BACK TO FAQS
33 FAQ Answers