Coronavirus Resources

At AP Benefit Advisors, we’re not just in the insurance business.  We’re in the business of cementing powerful, lasting relationships.  Our relationships are built on trust that we earn day in and day out by working openly and honestly with you as partners to achieve common goals. In doing so, we strongly recommend seeking guidance from health agencies during this time of uncertainty as it relates to the Coronavirus Disease COVID-19.  Like any outbreak of infectious disease, the spread of the Coronavirus can cause significant disruptions to our lives, our social interaction, our businesses and our economy. AP Benefit Advisors is pleased to offer our clients valuable resources to help prepare and protect you against a serious disease outbreak.  Please review our resources below, and please use caution to prevent the spread of the Coronavirus.

 

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Coronavirus Analytics

Our analytics tools utilize an array of credible data sources to provide insight into the breadth and depth of the COVID-19 Pandemic. This data is updated multiple times daily and can be explored by using the links below.

COVID-19 Employer Insights

Download our Employer Insights guide for helpful resources, insurance implications, workers compensation consideration and more.

Additional Resources

Visit the external resource links below for additional information regarding infectious disease preparedness.

Questions & Answers

If you suspect an employee has contracted the Coronavirus. What should we do?

Recommendations from the CDC:

Actively encourage sick employees to stay home:

  • Employees who have symptoms of acute respiratory illness are recommended to stay home and not come to work until they are free of fever (100.4° F [38.0° C] or greater using an oral thermometer), signs of a fever, and any other symptoms for at least 24 hours, without the use of fever-reducing or other symptom-altering medicines (e.g. cough suppressants). Employees should notify their supervisor and stay home if they are sick.
  • Ensure that your sick leave policies are flexible and consistent with public health guidance and that employees are aware of these policies.
  • Talk with companies that provide your business with contract or temporary employees about the importance of sick employees staying home and encourage them to develop non-punitive leave policies.
  • Do not require a healthcare provider’s note for employees who are sick with acute respiratory illness to validate their illness or to return to work, as healthcare provider offices and medical facilities may be extremely busy and not able to provide such documentation in a timely way.
  • Employers should maintain flexible policies that permit employees to stay home to care for a sick family member. Employers should be aware that more employees may need to stay at home to care for sick children or other sick family members than is usual.

Can I take an employee’s temperature at work to determine whether they might be infected?

The Americans with Disabilities Act (ADA) places restrictions on the inquiries that an employer can make into an employee’s medical status, and the EEOC considers taking an employee’s temperature to be a “medical examination” under the ADA.

What steps can we take to limit transmission?

Based on what is currently known about the virus, spread from person-to-person happens most frequently among close contacts (within about 6 feet). This type of transmission occurs via respiratory droplets. Transmission of novel coronavirus to persons from surfaces contaminated with the virus has not been documented. Transmission of coronavirus in general occurs much more commonly through respiratory droplets than through fomites. Current evidence suggests that novel coronavirus may remain viable for hours to days on surfaces made from a variety of materials. Cleaning of visibly dirty surfaces followed by disinfection is a best practice measure for prevention of COVID-19 and other viral respiratory illnesses in community settings. The CDC offers additional information here.

Is COVID-19 a recordable illness for purposes of OSHA Logs?

Please refer to OSHA for guidance on this issue. OSHA recordkeeping requirements mandate covered employers record certain work-related injuries and illnesses on their OSHA 300 log. You must record instances of workers contracting COVID-19 if the worker contracts the virus while on the job. The illness is not recordable if worker was exposed to the virus while off the clock. You are responsible for recording cases of COVID-19 if:

  1. The case is a confirmed case of COVID-19;
  2. The case is work-related, as defined by 29 CFR 1904.5; and
  3. The case involves one or more of the general recording criteria set forth in 29 CFR 1904.7 (e.g. medical treatment beyond first-aid, days away from work).

Kaiser Permanente

Optima Health

The information provided is not intended as legal advice and should not be relied upon in lieu of your own legal guidance. Information regarding your insurance coverage and overall preparedness, can be addressed with your local AP Benefit Advisors broker.