Had a Client of mine email me to say that they have a couple of employees that don’t want to come back to work due to concerns about contracting Covid-19. Their big question was, “How does this affect their group insurance?”.
So, I picked up the phone and asked a few questions…
- Are they on Medical Leave?
- Or, are they on Personal Leave?
- When was their last day worked?
As it turns out, one had supporting documentation from their Doctor, so they were off on Medical Leave. With this one, the employer needs to follow their Extension of Benefits policy for someone going off on disability.
Maybe not so simple if the employee is sharing in the premium. Do yourself a favour and keep it simple by making arrangements for the employee to continue paying their portion of the premium.
The second one just didn’t want to come back to work. So, this is Personal Leave. There is no obligation for the employer to continue to provide benefits. It’s like they quit. Having said that, you can make arrangements for them to come back on the plan after a certain length of time. Most Carriers will look favorably at reinstating them within 90-days. Make sure you check your contract…or ask your Group Insurance Broker.
The other thing is that because the group is located in Ontario, they could both possibly fall under the Infectious Disease Emergency Leave (IDEL) which extends for 6 weeks after the state of emergency is lifted. The state of emergency was lifted on July 24, so all benefits could continue until September 4th.
Sharkey Group Insurance serves all of it’s Ontario-based Clients from its office in Cambridge, ON.