As the benefits landscape continues to evolve in response to the COVID-19 pandemic, we know that it can be overwhelming to sort through the new rules and regulations, trying to determine what is applicable to your specific operation. To help navigate through the variety of information, Morris & Garritano's Employee Benefits Team will be providing you periodic updates on those items that are relevant, timely, or require action.

Our purpose is to create a resource that allows you to gain a better understanding of the changes that are occurring and provide guidance on how best to prepare your business and your employees for those changes.

If you have any additional questions or would like more information, please contact our office at 805.543.6887 or reach out to your Account Manger or Risk Advisor directly.
IRS Relief for Cafeteria Plans
On May 12, 2020, in response to the COVID-19 pandemic, the Internal Revenue Service (IRS) issued two notices, Notice 2020-29 and Notice 2020-33, providing welcome relief and guidance to employers sponsoring Section125 cafeteria plans (Section 125 plans), health flexible spending accounts (health FSAs), dependent care assistance programs (DCAPs), and qualified high deductible health plans (HDHPs).


COBRA & HIPAA Deadlines Extended
During COVID-19
The Department of Labor (DOL) and the Department of Treasury (IRS) jointly issued a final rule extending several specific notice time frames applicable under HIPAA, COBRA, and ERISA. The rule also extends the time frames for COBRA elections, COBRA payments, and HIPAA special enrollments. In addition to the final rule, the DOL issued Disaster Relief Notice 2020-01, indicating there will be leniency regarding enforcement of the timing and delivery method for all disclosures required under ERISA and confirming the extended filing deadline of July 15, 2020, for Form 5500 and Form M-1 filings due between April 1 and July 15, 2020.

Guidance and Relief for Employer Benefits plans Due to COVID-19:


Please visit our  COVID-19 Resource Page  to access recorded webinars and links to various local and state programs, legislative updates, and other educational materials that are reliable and may be relevant to your business operations. 
Commercial |  Employee Benefits |  Personal | License #0305584