WHAT IS CORONAVIRUS COVID-19?
COVID-19 is the infectious disease caused by the most recently discovered coronavirus. This new virus and disease were unknown before the outbreak began in Wuhan, China, in December 2019.
Our CEO's Commitment
SCM is committed to providing superior service and support to our clients and employees throughout the COVID-19 pandemic. We implemented our disaster plan and on March 17, our team had made a seamless transition to working-from-home.
The SCM Team has the tools and resources to deliver all necessary services to our clients at the same level of quality they expect. We also stand ready to answer questions and provide consultation.
We encourage you to engage with us – whether you are a customer or a business that is simply looking for assistance. Visit this page often for the latest information, updates and resources pertaining to the challenges surrounding the COVID-19 pandemic. You will also find contact information should you have any questions.
SCM is here for you, your employees and your business.
Very sincerely yours,
President & CEO
SullivanCurtisMornoe is committed to supporting our clients during this unprecedented global pandemic. We compiled valuable information and resources provided by health insurance carriers, vendor partners, government and local organizations, as well as community resources to support you during this time. Contact your SCM service team if you have questions and/or recommendations for additional resources.
How your health plan helps you handle COVID-19
Press Release: Anthem Covering Cost of COVID-19 Treatment
Coronavirus Coverage Member Flyer
Anthem Press release 04/09/2020
Anthem ActWise Memo - HSA Eligible Expenses
“Stay Up-to-Date” with Blue Shield News
“The Novel Coronavirus: What you need to know”
Special Enrollment Period for individuals who previously declined coverage
Changing Circumstances May Mean Changing Coverage Levels
Keeping employees covered through layoffs, furloughs, or reduction in work hours
Blue Shield Access to Medications
Transitioning from Employer Health Insurance to Individual
Virtual Care Flyer (w/Behavioral Health)
Virtual Care Flyer (w/out Behavioral Health)
Disability Claims and Coverage Updates
Coronavirus Employer Resource Center
Cigna Waives Cost Share for COVID 19 Treatment
Express Scripts Gives Cigna Members Access to SilverCloud Health Mental Health Platform
Cigna Partners with Buoy Health Offer Digital Screening tools
Cigna Expands Emotional Wellbeing Services
COVID-19 Coronavirus Cigna Care Card
Recent Announcements From Kaiser
Steps to Find Regional Facilities
KP Covid 19 Member update (SoCal)
KP Covid 19 Member update (NorCal)
Retail Clinic Changes and Closures
Coronavirus and COVID-19 Information
Covid-19 Vaccine Safety and Effectiveness Flyer (Eng)
Sheppard Mullin Richter & Hampton Employment Law: Coronavirus Insights & Latest Developments
Fisher & Phillips Employment Law: Comprehensive & Updated FAQ’s for Employers on COVID-19
ThinkHR Access: HR Resources, Hotline & Online Training (provided at no cost to SCM clients. Contact your SCM team for Access)
Professionals in Human Resources Association (PIHRA) FREE All Access Trial Membership thru 5/31
PIHRA’s COVID-19 Resources for HR
SHRM article: What to Tell Employees Who May Have Coronavirus - Health & LOA Resources
How to Ensure Your Employees Don't Get Discouraged
HIPAA Considerations While Working from Home
ThinkHR COVID-19 Employer Survey
Communicating with Employees During a Crisis
Crisis Communication Plan Examples & How to Write Your Own
How COVID-19 has Changed the Recruiting & Hiring Process
Identifying & Managing Mental Health at Work
FindHelp.org Food assistance, help paying bills and other COVID19 relief programs
Pandemic Preparedness in the Workplace and the Americans with Disabilities Act
Webinar: Thurs-4/16, 11:30am LOA In The Time of COVID 19: How to Navigate Sick Leave, FMLA and Reasonable Accommodation
Webcast Replay: SHRM/CDC Update on COVID19 – What’s Happened & What’s Ahead
COVID-19 Back to Work Checklist
SHRM and COVID-19 Employer Survey -ThinkHR
Article: Pandemic Takes a Poll on Employees' Mental Wellbeing - SHRM
Article: Revise Policies to Facilitate Return to Work - SHRM
Article: What to Do When Scared Workers Don’t Report to Work Due to COVID-19 - SHRM
Considerations When Making Return-to-Work Plans for your Office
5 Strengths Every Leader Needs to Get Through a Crisis
COVID19 is Increasing Employee Burnout – Here’s What You Can Do
COLORADO Temporary Paid Sick Leave
NJ Permanent “public health emergency” expansions to Earned Sick Leave Law, Family Leave Act, Temporary Disability Benefits Law
NY Permanent expansion to Paid Sick Leave
Bulletin - New Coronavirus Relief Law Requires Paid Employee Leave
Bulletin - Families First Coronavirus Response Act - Questions and Answers
Bulletin - IRS Issues Guidance on Tax Credits for Coronavirus (COVID-19) Paid Leave
Bulletin - DOL FAQs COVID-19 and the Fair Labor Standards Act
Legal Update - Health Plans Must Provide Free Coronavirus (COVID-19) Testing
Legal Update - IRS Allows HDHPs To Cover Coronavirus Costs
Bulletin - EEOC Issues Employer Guidance on Coronavirus and the ADA
Bulletin - HIPAA Privacy Rules and the Coronavirus Outbreak
Bulletin - California Guidance on Coronavirus and Employee Leave and Pay
Bulletin - FFCRA Employee Rights
Acknowledgment of Receipt for Company-Issued Property
Sample Communication to Employees
Sample Emergency Family and Medical Leave Policy FFCRA FMLA Expansion
Sample Emergency Paid Sick Leave Policy FFCRA Paid Sick Leave
Sample Essential Business Letter COVID-19
Sample Telecommuting Agreement
The IRS has now issued FAQs regarding claiming tax credits under the FFCRA (to fund paid leave).
Does HIPAA Apply to Employers’ Requests for Temperature Checks and Other COVID-19- Related Health Information?
COVID-19 FAQs for Participants and Beneficiaries
SCM stands ready to assist our clients in pursuing flexible payment options from our respective insurance companies. Many carriers and premium finance carriers have announced they will consider premium deferrals during this time and we are working with them to develop customized payment plans when needed. Contact your SCM team or email firstname.lastname@example.org.
FIRST Insurance Funding Premium Finance Explanation
FIRST Insurance Funding Guide to Payment Options
FIRST Insurance Funding Insured Login for FIRST InSite
Imperial Premium Finance: Cancellation Avoidance Tools
AFCO Insurance Premium Finance: Flexibility for Insureds in Challenging Times
Making Policy Changes
SCM is fully staffed and available to request needed changes to your policy. This includes mid-term exposure changes for auto fleets or payroll and revenue projections. Our goal is to help you through these difficult times, and we will work with our carrier partners to quickly process carrier-approved changes that can help reduce ongoing expenses. Contact your SCM team or email email@example.com.
Allianz - Allianz offers multiple payment methods (direct checks, wire or ACH) for those challenged by an interruption to their business. To this end, Allianz will be suspending cancellations for non-payment until June 1, 2020, and will not be assessing late fees for premiums due on or before June 1, 2020. It is hoped that this grace period will give customers the breathing room they need to weather this crisis.
AmTrust - AmTrust Offers Payment Leniency for Clients Impacted by COVID-19
AXA XL - COVID-19 Claims
Berkshire Hathaway - Amendment of direct bill cancellation procedures – March 23
Chubb - Chubb will commence a voluntary 60-day hold on cancellation and nonrenewal notices
CompStar - CompStar is committed to being flexible in every way possible in order to assure that workers’ compensation clients are retained with Benchmark Insurance Company and that insureds are not cancelled for non-payment of premium. If a client is unable to make a payment, CompStar will consider allowing the payment to be deferred to audit time at policy expiration. They are willing to accept monthly payroll reports without a premium payment, and if this occurs, CompStar will contact clients to work out a plan for future payment. They will also consider waiving their deposit for both new and renewal accounts.
CompWest/Accident Fund (AF Group) - CompWest/Accident Fund will suspend all non-pay cancellation actions for 60 days, beginning Monday, March 23, 2020
CompWest/Accident Fund (AF Group) - AF Group’s Response to COVID-19
CRC Group - COVID-19 response: news, tools, intel, podcasts, videos
Hanover - The Hanover COVID-19 Response
Hartford - The Hartford Response to COVID-19
Hartford - Hartford COVID-19 Resource Center
ICW - ICW Non-payment cancellation moratorium for all policyholders
Liberty Mutual - Liberty Mutual is working with customers that have received recent notices of cancellation in March to push out the amount that is due and keep their policy in-force. That said, notices of cancellation will still go out as it is a system automated process. Considering that every case is unique, any customer who feels they have a claim are encouraged to contact the claims department at 844.325.2467 (844-3-CLAIMS).
Mercury - Important Notice – Mercury is Ready to Help
Nationwide - Nationwide is taking action to meet customer needs during the COVID-19 pandemic
Pennsylvania Lumbermen’s - PLM hears your concerns – FAQs
Safety National - Safety National Statement on COVID-19 Support and Response
Sentry - Sentry will discuss specific situations and identify options for clients financially impacted by our nation’s efforts to reduce the spread of COVID-19, including discussing alternate billing arrangements. Contact your SCM account team for assistance. Sentry clients can stay connected by logging in at sentry.com
State Fund - State Fund COVID-19 Notice
Travelers - Travelers expands COVID-19 billing relief for customers
AmTrust – We’re Here to Help: Best Practices to Keep Your Employees, Customers and Business Safe While Reopening
Chubb – Six Steps to Prepare Your Business Facility for Reopening
CopperPoint – Reopening Guidance
Hanover – Supporting Customers During Reopening
Hartford – New COVID-19 Resources
Travelers – The PATH to Reopen Safely
Zurich – Coronavirus (COVID-19) Resource Hub: Transitioning Back to the Workplace
California calls for relaxed premium payment deadlines
California Executive Stay-at-Home Order N-33-20
CA Ins Commissioner: Insurance Co Obligations to Comply with Insurance Laws during COVID-19 Outbreak
CA Ins Commissioner: Guidance on Essential Businesses and Insurance
IIABCal Special Report, March 24: Governor Implements More COVID-19 Response Measures
CA Ins Commissioner: Extension of Policyholder Deadlines that Impact Claims or Coverage Due to COVID-19 Outbreak
CA Ins Commissioner: Premium Refunds, Credits, and Reductions in Response to COVID-19 Pandemic (April 13)
The National Association of Insurance Commissioners provides consumer reference links and insurance department contact information for each state.
SCM’s Risk Control Services continues to provide 24/7 support to clients in all industries. If you have questions about safety, OSHA compliance or strategies for managing home workers, please contact SCM Risk Control Services. In addition we are providing links from government agencies and other reliable safety and health resources we have determined may be useful to your organizations leadership team at this time.
CA Dept of Labor COVID-19 Updates
CA Dept Public Health Aerosol Transmissible Disease Guide
US Dept of Labor COVID -19 Resources
CDC Corona Virus Disease Portal
DOT / FMCSA Emergency Rulings for Transportation
Tips from the Occupational Safety and Health Administration
COVID-19 Emergency Temporary Standards FAQ’s
SCM Director of Risk Management Gina DiCiacca provides answers to FAQs About Worker's Comp and COVID-19
Projecting Losses in Times of Uncertainty
Dept of Industrial Relations Number 2020-29: DWC and WCAB Announce Updated Hearing and Filing Procedures
Benefits to Employees Under Pandemic Unemployment Assistance Program
Small Employers and New Emergency FMLA - California Chamber of Commerce
Federal CARES Act Provides Small Business Relief - California Chamber of Commerce
Employee Rights Under FFCRA (poster)
A recent bulletin from WCIRB noted that the Workers’ Compensation Insurance Organizations (WCIO) have established a Catastrophe Number and added a Nature of Injury Code and a Cause of Injury Code to track claims involving a diagnosis of Coronavirus Disease – 2019 (COVID-19) with Accident Dates on or after December 1, 2019. For more information, download the WCIRB Bulletin:
The MET is offering their best operas online.
Schedule a virtual game night– Pictionary, Charades, Quiplash (not free).
Free TV & Movies During Quarantine
Article: Best Ways to Exercise at Home
Offer: CorePower yoga FREE on-demand yoga classes
Offer: CrossFit Free at-home workout videos, including single exercises and drills
Offer: Daily Burn offers 60 days free of at home workout videos
Offer: Fitness Blender has videos from beginner to advances to get/keep us fit
Offer: Equinox FREE Meditation Videos on YouTube
Offer: FitOn app (FREE) A variety of virtual classes like yoga, HIIT, circuit training, pilates, etc., even classes for kids! Take classes on your own or as part of a group, plus an “advice” section for health tips.
Offer: Orange Theory Free daily 30-min fitness videos.
Offer: Peloton Try the App at home, now free for 90 days
Scholastic is offering online learning for kids.
Article with Resource Links: Activities to Do with Kids & More Kid-friendly Websites
Entertain while you work with a few free books from Slumberkins.
Article: Amazon Unlocks Dozens of Streaming Kids Shows FREE. Sign Up with This Link
Educational companies offering Free Subscriptions due to school closings.
Contact your local school district for free curbside lunch program during coronavirus school closures.
Quarantine Schedule for Teens from www.teensmartgoals.com
Activities for Teens During Quarantine
A global day of design projects for teens: Global Day of Design - May 6
Khan Academy Daily Schedule for School Closures
Ted Talks for Students of All Levels
Imagineering in a Box is a FREE online program that brings together the diverse talents of Disney Imagineers around the world for a one-of-a-kind learning experience in 32 videos.
NextLesson – 50 Free Projects/Activities for Kids of all Ages
ScienceFlix (by Scholastic) Hundreds of science lessons and videos to explore
ST Math Games (K-8th grade) FREE access through June 30th
Article: Getting More Sleep is Essential During Coronavirus
Article: How to Combat Loneliness During Quarantine
Article: Building Resilience
Article: Managing Coronavirus Anxiety
Article: How to Talk with a Loved One Not Taking Coronavirus Precautions Seriously
Article: Tips to Stay Connected During Social Distancing
Article: Finding Purpose in Your Life
Article: Maintaining Sobriety During Social Distancing
Blog: I’m so bored!!! How to Combat Boredom during Social Distancing
Article: Kids fighting non-stop? How to manage during school closures
Article: Eating during COVID-19: Improve your mood and lower stress
Article: Allergies? Common cold? Flu? Or COVID-19? A guide to help differentiate
Article: Food Network's 50 Most Popular Healthy Recipes
Cooking with ingredients you have on hand: No recipe? No problem!
Try a food delivery service such as Imperfect Produce.
Meal kits offer great discounts/free meals for new customers, here are a few: HelloFresh, Home Chef, Blue Apron.
GrubHub created a community relief fund, Postmates has a fleet relief fund – both support local food businesses.
Offer: Cook With What You Have is offer a free month of access to their recipes to cook nutritious meals at home.
Offer: Platejoy is giving 10 day trial to their personalized meal planning platform.
Offer: Coursera offers 1000’s of online courses from accredited universities across the US. Many are free!
Access free online courses from Brown, Columbia, Cornell, Dartmouth, Harvard, Penn, Princeton, and Yale on Class Central.
Article: How to Work from Home: 20 Tips from People Who Do It Successfully
Article: How to Stay Focused & Productive When Working from Home
Article: How to Work from Home with Kids During Coronavirus
Article: The Best Zoom Meeting Tips & Tricks
Article: Ergonomics for Your Home Office Setup Working from Home - Ergonomic Tips
Donate: Facebook to match 2x all donation made up to $10M.
Donate: United Way LA United Way - Pandemic Relief or call (888) 504-9491
Volunteer: OneOC Volunteering Opportunities
Donate Blood: Red Cross – Find a Blood Donation Center Near You
Mental and Emotional Health
Mental Health and Psychosocial Considerations During COVID-19 Outbreak
Article: How to Stay Mentally Strong During These Times
Article: Positive Stress Management Techniques
Article: How to Reduce Stress & Keep a Healthy Immune System
Article: That Discomfort You're Feeling is Grief
Podcast: Subscribe to 'The Happiness Lab' with Yale professor Dr. Laurie Santos
Episode: How to Beat Loneliness & Isolation
HealBright is offering a free course on mental health.
TalkSpace has free online support groups and tips for how to work at home.
Wisdom Labs' Mental & Emotional Wellness Response Kit-90 days free
Starling Minds Free 5 Course Mental Health Program: Managing Stress & Anxiety from COVID19
Employee Mental Health - Help Them if You Can
Ten Percent Happier offers a FREE live daily meditation and resources. Check out their Coronavirus Sanity Guide.
UC San Diego’s Center for Mindfulness FREE streaming meditations
HeadSpace has created meditations to support rest, relaxation, sleep and mental health. Many free!
Calm has a list of free meditations specifically targeted for feelings of anxiety.
Journey Meditation is offering free online live meditation sessions.
For Urgent Help
If you or someone you care about feels overwhelmed with emotions like sadness, depression or anxiety, or like you want to harm yourself or others call 911. You can also contact the Substance Abuse and Mental Health Services Administration’s (SAMHSA) Disaster Distress Helpline at 800-985-5990, the National Suicide Prevention Lifeline at 800-273-8255 or text MHFA to 741741 to talk to a Crisis Text Line counselor.
Personal Risk Management
Tips for Sanitation in the age of Coronavirus
COVID-19 Security Resource Library
6 ways to protect yourself from hackers
10 Tips to Stay Cyber-Safe When Working Remotely
Consumer Alert from the California Department of Business Oversight
7 Essential Tips for Working From Home
Scholastic Learn at Home: Day-by-Day projects to keep kids reading, thinking and growing
Yoga for Complete Beginners: 20 Minute Home Yoga Workout
CDC’s COVID-19 Household Checklist
Top Kitchen Fails and How to Prevent Them
Top 10 Spring Cleaning Tasks for Your Home
FEMA Coronavirus Rumor Central
Federal Guide to Preparing Workplace for C-19
Calif. Dept. of Public Health Aerosol Transmissible Disease Standard for Healthcare
US Department of Labor C-19 Resources
Roxborough Pomerance Nye & Adreani
Timing on COVID-19 “Active Cases” Peaking & Return to Normalcy – Where Are Expectations?
US Department of Labor: FFCRA Questions and Answers
State and federal efforts to improve access to COVID-19 testing, treatment
Please Note: From time-to-time, we will link to external websites that we neither own nor control. SullivanCurtisMonroe is not responsible for the content, privacy practices, or web accessibility needs on these websites.