Are You a Tri-State Contractor Who Is Unhappy With Their General Liability, Umbrella Liability, Auto, Bond or Workers’ Compensation Rates or Coverage?

Are You a Tri-State Contractor Who Is Unhappy With Their General Liability, Umbrella Liability, Auto, Bond or Workers’ Compensation Rates or Coverage? Call and See If You Fit Into One of Our Top 5 Construction Programs. A Queens Contractors Reduced His Premium From $375,000 to $197,000. Be Next!

Here’s What We Can Do For You: 

1. We offer the top 5 construction programs in the tri-area. Some are exclusive to a few agencies, ours being one. If we can fit you into one of them you’ll receive great coverage, rates and coverage stability. We recently helped a Queen’s contractor get into one and by doing so reduced his premium from $375,000 to $197,000. In addition, he obtained a “Cadillac” policy that none of his client’s has a problem accepting.

2. Does your policy have a “Labor Law” exclusion? No Contractual Liability? Subcontractor Hammer Clause? Interior height restriction? Exterior height restriction? Do these height restrictions apply to you or your subs work too? Is your policy rate based on gross receipts? Would it be better if it were based on payroll and subcontractor costs? Do you have Primary/Non Contributory coverage? Blanket Additional Insured coverage? Does your Blanket Additional Insured cover everyone that is required to be covered under the contracts you sign? Do you have Blanket Waiver of Subrogation coverage? If we can fit you into one of our programs then we can get rid of these exclusions, get you “Cadillac Coverage” maybe for better pricing too.

3. You know how some large companies have considerable buying leverage due to their volume of business? Well we do hundreds of millions in premium so we usually can get great deals for our client’s. The beauty of our office is you get the benefit of our pricing leverage BUT “I Personally Treat Every Client Like They Were a $10 Million Dollar Account.” Click here and read what my clients have to say.

4. Most brokers are generalists. They sell policies having no clue about the exclusions, warranties, restrictions. This places many contractors in great financial jeopardy. We are construction specialists and have 39 years under our belt. Instead of taking hours to research your account, we have a team that brainstorms then knows what to do. You get this help for FREE by contacting us.

5. Do you need bid or performance bonds? We have a separate department for our client bonding needs. Need higher limits? Lower rates? Expert advice? Whatever you need we can help.

6. Are you paying exorbitant premiums for your Commercial Umbrella Liability Policy(s)? The pricing for this coverage has gone through the roof! We have exclusive programs that only a handful of agents represent. If we can fit you into one of them you can end up saving a fortune with much better coverage. We just renewed a Bronx contractor’s $5 million Umbrella for just $19,000.

7. A lot of contractor general liability policies require their subs carry proper coverage. Failure to do so can cause a claim to be denied or be subject to a substantial deductible. Would you like help screening your sub contractor’s insurance policies? We can DO THAT FOR YOU! Not only doing so protects you in the event of a claim but it can help fit you into one of our exclusive programs saving you a ton of money while offering you comprehensive protection.

8. Unhappy with your Workers’ Compensation company, pricing, service? We have a program that offers some of the lowest rates in the tri-state area as well as better protection (it is not a state program).

9. Do you take jobs out of state for weeks at a time? If you are with an assigned risk or a state carrier, you may be exposed to a substantial uncovered financial liability. For example, you are a New York contractor who has a 2 month job in New Jersey. One of your employees gets hurt and decides to file claim in New Jersey. New Jersey hospital stay is $179,000. On the other hand if employee filed claim in New York, hospital stay may be $79,000. You could be out of pocket $100,000 without the right coverage. Our program can eliminate this problem.

10. We can do for YOU what most other agency don’t offer. Try to fit you into one of our top programs, design a policy where the exclusions, limitations, restrictions are tailored around your needs. Screen your subcontractors insurance. Help you with bid and performance bonds. We also offer Group Health and all personal lines coverages. Finally “I Will” treat you like you are the only account in the world that matters regardless of size because that is what YOU deserve and how I treat people.”

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors: We have a competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft. This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of. Under our program you can protect yourself, spouse and children. Anyone you know can purchase this protection though our plan! Click here to learn more or sign up.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2019 – BGES Group

10 Potential Causes of Employee COVID-19 Lawsuits

The novel coronavirus that broke out in the winter has caused immeasurable suffering, both physical and economic.

For employers struggling to stay in business, this is a fraught time where mistakes in managing their workforces could lead to employee lawsuits. Here are 10 potential trouble spots to watch for.

Workplace safety – Businesses that still have employees working on-site run the risk that a single infected worker may send the virus ripping through the entire workforce.

While workers’ compensation laws may prevent employees from suing, their family members who become ill or suffer through a worker’s illness face no such constraints.

Sick time and paid leave – Congress enacted the Families First Coronavirus Response Act in March, guaranteeing full-time employees of small businesses 80 hours of sick leave (part-timers get a prorated amount.)

State and local laws may entitle workers to additional leave. Mistakes in administering these benefits could prompt lawsuits.

Workplace discrimination – Because the coronavirus originated in China, there have been reports of Asian-Americans being targets of racist actions. Employers must take care to avoid the appearance of making workplace decisions based even partly on employees’ race.

Americans with Disabilities Act
– The ADA prohibits discrimination against disabled individuals and requires employers to make reasonable accommodations for these workers.

Employees who become ill from COVID-19 (the illness caused by the virus) may suffer after-effects that include trouble breathing, speaking and working at their former pace. Employers must accommodate these workers to the extent that is practical.

Wage and hour violations – Non-exempt employees working remotely may be working more than their regular hours, missing rest and meal breaks, and using their own equipment.

Employers must keep careful records, reimburse employees for their use of personal equipment where warranted, and remind employees to take mandatory breaks.

Battered retirement plans
– Stock markets have cratered since the beginning of the year, taking retirement account balances down with them.

Questions may be asked about whether fund managers did enough to limit the damage. Employees who are not satisfied with the answers may go to court.

Health information privacy
– Employee health information privacy is protected by law. Employers must secure the records of infected employees from unauthorized access by individuals within and outside the company.

Union contracts – Collective bargaining agreements may contain provisions that go beyond federal requirements for breaks, paid leave, layoff notices, and workplace safety.

Employers must keep their CBAs in mind and work with their unions to avoid contract violations.

Disparate impact from layoffs – If layoffs are necessary, employers must take a thoughtful approach when deciding which employees to part company with.

An appearance of singling out older workers or other protected classes under discrimination laws could invite lawsuits.

WARN Act – The Workers Adjustment and Retraining Notification Act requires some employers to provide at least 60 days’ notice before layoffs. Many businesses’ revenues fell off the cliff so quickly that they were unable to provide that much notice.

A final thought

The pandemic is a crisis that few businesses foresaw. The effects, including the litigation, may haunt them for a long time to come.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors: We have a competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!

Smart Home Security Systems – Protect and manage what matters most. You’re in control with simple, affordable security, and home automation. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft. This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of. Under our program you can protect yourself, spouse and children. Anyone you know can purchase this protection though our plan! Click here to learn more or sign up.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
e-mail: bgesgroup@gmail.com
website: http://www.bgesgroup.com
© – Copyright – 2019 – BGES Group

It’s Okay to Screen Workers for Fevers During Outbreak: EEOC

Employers that are still open at this time have been wondering if they may be violating their employees’ rights to medical privacy by scanning their temperatures before they enter the facility.

In many countries in Europe and Asia, employers have been scanning every customer and employee that enters their premises, and if they are running a fever they are asked to not go in. With the risk of infection and spread running high, it’s in the employer’s best interest to reduce chances of transmission in the workplace, but the fear of being sued may dissuade them from doing it.

Now the Equal Employment Opportunity Commission has issued guidance that authorizes employers to measure employees’ body temperature, even though it’s considered a “medical exam,” which would typically be off limits under the Americans with Disabilities Act. It said the ADA does not prevent employers from following the guidelines and suggestions made by the Centers for Disease Control or other health authorities.

The guidance is based on a publication the EEOC produced during the H1N1 outbreak in 2009.

The agency also said that employers can ask workers who call in sick if they are experiencing symptoms of a pandemic virus, so as to protect the rest of its workforce during a pandemic. But the employer must keep that information confidential, as it must with all medical information under the ADA.

In addition, the ADA does not prevent employers from following advice that “employees who become ill with symptoms of COVID-19 should leave the workplace,” the EEOC said.

Employers can also require that an employee who is returning to work after recovering from COVID-19 have a doctor’s certificate, under the ADA. That’s because the inquiry would not be considered related to a bona fide disability, and during a pandemic it would be justified under ADA standards for disability-related inquiries, the EEOC explained.

Screening of job applicants

In terms of hiring, employers are authorized to screen applicants for COVID-19 symptoms, under the guidance. It must do so for “all entering employees in the same type of job.” That includes being allowed to take an applicant’s temperature “as part of a post-offer, pre-employment medical exam.”

Employers are also allowed to delay a start date for a job applicant who exhibits COVID-19 symptoms. An employer can withdraw a job offer if it needs an applicant to start immediately but the applicant has COVID-19 or its symptoms.

TIP: The best way to check temperatures is by using a thermometer gun, which are easy to use and can be purchased for less than $100 online.

BGES Group’s
office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors: We have a competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!

Smart Home Security Systems
– Protect and manage what matters most. You’re in control with simple, affordable security, and home automation. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft. This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of. Under our program you can protect yourself, spouse and children. Anyone you know can purchase this protection though our plan! Click here to learn more or sign up.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
e-mail: bgesgroup@gmail.com
website: http://www.bgesgroup.com
© – Copyright – 2019 – BGES Group

How to Keep Your Safety Meetings Engaging and Fun

Are your safety meetings a drag for your workers? Are they shifting in their seats as they sit through yet another presentation on slip and fall hazards?

Safety meetings are a key part of a safety awareness program and are one of the best methods to motivate workers to take safety out of the classroom and into the field. But they don’t have to be boring. You need to keep your employees’ attention and make sure they retain what you teach them, because their lives could depend on it.

But, it’s not easy to keep the meetings motivating and interesting to your workers. Here are some tips to keep your workers engaged while also making them more aware of safety in the workplace. –

  1. Have people with management experience organize your safety meetings. Too often, people leading the meetings are certified in safety, but have no experience in management. In other words, safety engineers may get too wonkish for your workers, who can then lose interest. To be most effective, have a manager conduct the meeting with the safety expert, who can answer the technical questions.
  2. Build an agenda and circulate it before the meeting. Work with a small group. Focus on the specific. Define what success will mean. Create an expectation of value and participation. Anticipation is a powerful emotion.
  3. Don’t look backward. Don’t make the meeting all about reliving one bad accident that happened in the workplace. Instead, review the accident or close call and what led up to it in the first place, so you can discuss with participants ways to make sure the incident is not repeated in the future.
  4. Vary your techniques. Individuals learn differently. If you must use Power Point slides, use them sparingly with one idea or image per slide. Videos can be helpful in combination with discussions and games. Involving people helps them retain the message.
  5. Tell stories and use real life examples. Have a story or an example to illustrate every point. The best safety meeting is just hanging out and talking about a subject and telling stories. Talking about the individuals involved in the story helps personalize it.
  6. Use games and competitions, but be sure they have a purpose to either educate or inspire. Think “Safety Bingo” or “At-Risk Jeopardy.” You can hold competitions between teams of workers to see who knows the most about a certain safety issue that is typical in the workplace. Competition really brings out the best in people and helps them learn.
  7. Have fun. Fun during safety meetings can help people feel like they are part of a team and create a sense of belonging. It also helps create a shared company culture. Try something unique, like a Shakespeare play that turns on safety.
  8. Follow up. Reinforce the key points of the meeting by getting back to the participants. Send them articles, bullet lists, and links with resources, as appropriate, a few weeks after giving a safety talk.

The most successful safety meetings are well-planned, with management involvement ― and documented.

Fresh ideas

Selecting a topic for a safety meeting is not always easy. Sometimes you may be wondering what to feature, especially when you have covered some topics many times. If you are fresh out of ideas, consider your topic by:

  1. Reviewing new laws and industry standards,
  2. Reviewing new company policies and procedures,
  3. Evaluating existing safety hazards in the workplace,
    Considering future industry events that may impact specific work procedures,
  4. Asking your employees for issues they would like to see discussed at the meeting.

The best time to schedule a safety meeting is the start of the work shift. Before you start a safety meeting (on time), have the participants sign in.


Sample meeting agenda

*State the primary purpose of the meeting.
*Review old business from previous safety meetings.
*Ask for suggestions for future meetings.
*Present material for the current safety meeting, using visual aids, such as video, overhead transparencies, slides or printed handouts to stimulate the employees’ interest.
*Review or give a quiz to participants.
*Present an agenda for the next meeting.

The takeaway

You should do all you can to ensure your workers’ safety, and a key part of that is to train them properly in the safety issues that confront them at work.

Employees have often sat through several safety meetings, so the key to driving home the point effectively is to make them engaging, stimulating ― and above all, memorable.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors: We have a competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft. This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of. Under our program you can protect yourself, spouse and children. Anyone you know can purchase this protection though our plan! Click here to learn more or sign up.


If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2019 – BGES Group

The 10 Biggest Problems Contractors Face With Their Workers Compensation

Do you have any of the following problems with your Workers’ Compensation coverage? If so, as one of tri-states leading specialists turn to us for help.

Problems:

1. Rates too high – We have two programs whose rates are great!

2. Your payments are on a fixed monthly installment plan – We have a program where your payments are based on past weeks payroll. No payroll, no workers compensation payment.

3. You have employees that perform various trades a week yet your insurance company charges you for the highest rated code – We have a program that allows you to split each field workers payroll by trade so you DO NOT pay the highest rate.

4. You have employees that work out of your home state weeks at a time – Did you know state and assigned risk plans may not cover you properly whereby you end up with a huge uncovered liability? For example, your office is in New York but currently you have a job in New Jersey for two months. Employee gets injured on job, decides to file claim in New Jersey. Hospital stay in New York cost $100,000, in New Jersey it costs $250,000. You could end up out of pocket $150,000. We have a program that eliminates this problem.

5. Your Workers’ Compensation company’s auditors are difficult to deal with – You will find our company auditors to be flexible, reasonable, agreeable and helpful. With some of our programs depending on the state you’re in audit may take less than 15 minutes or you may not have a yearly audit.

6. You have a high (debit) Experience Modification factor and it’s causing you problems getting coverage &/or work – We have programs who offer competitive pricing even though you have a high experience mod.

7. Your Worker’s Compensation insurance company is difficult to work with. Their service is poor – We have a program whose service is FIRST CLASS from day to day customer service, claims, reports, certificate issuance, you name it they’re excellent!

8. You use a payroll service that provides Workers’ Compensation but you are not happy with them – We offer THE BEST payroll programs in the tri-state area. As intermediaries when you have an issue you come to us and we handle it for YOU!

9. You are paying service and policy fees that amount to 10% or more of the cost of coverage – If you fit into one of our programs we DO NOT charge service or policy fees.

10. You keep switching Workers’ Compensation companies every year to two – We have one of the longest running programs in the United States. 24+ years. If you’re looking for excellent pricing, long-term coverage stability, FIRST CLASS services and one of tri-states leading experts to answer all your questions you can now get that through us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors: We have a competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!

Smart Home Security Systems – Protect and manage what matters most. You’re in control with simple, affordable security, and home automation. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft. This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of. Under our program you can protect yourself, spouse and children. Anyone you know can purchase this protection though our plan! Click here to learn more or sign up.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
e-mail: bgesgroup@gmail.com
website: http://www.bgesgroup.com
© – Copyright – 2019 – BGES Group

CARES Act Boosts Unemployment Benefits for Laid-off, Furloughed Workers

With the sudden eruption of economic calamity, and more than 247 million Americans under stay-at-home orders, some 3.1 million individuals filed for unemployment in the last week of March.

To counter the blow to their income, Congress passed and President Trump signed the $2 trillion Coronavirus Aid, Relief, and Economic Security (CARES) Act, which in part allocates around $250 billion in unemployment benefits for the workers who have lost their jobs due to the coronavirus pandemic.

The CARES Act extends unemployment insurance benefits to workers who are not eligible for additional benefits at the state level, as long as they lost their jobs due to the outbreak.

The new law also extends benefits to part-time employees, freelancers, independent contractors, gig workers and self-employed individuals. While gig and self-employed workers are newly eligible for unemployment benefits, they may not qualify if they don’t have the proper work and pay documentation.

The unemployment benefits under the CARES Act also apply to furloughed employees who file unemployment claims with the state.

Depending on your state, workers will be able to collect both state unemployment and federal unemployment through the CARES Act, which was designed to augment any unemployment benefits workers may receive in your state.

The Pandemic Emergency Compensation program funded by the CARES Act will provide an additional $600 per week on top of state unemployment benefits through July 31. It will also extend state-level unemployment insurance by an additional 13 weeks. For example, whereas most of California’s unemployment benefits last 26 weeks, the bill extends state benefits to 39 weeks. The extended benefits will last through Dec. 31.

Another part of the CARES Act is the Pandemic Unemployment Assistance program, which will provide up to 39 weeks of benefits for those who are not typically eligible for state benefits, such as people who are self-employed or people who did not work enough last year to qualify for unemployment benefits.

Many states have a one-week “waiting period,” before benefits start, so often the person won’t be paid unemployment the first week they are off work. This law pushes states to waive that period by paying the full cost of that week of benefits as soon as they become eligible.

Also, some states require that people applying for unemployment benefits have been employed for a certain period of time. The CARES Act effectively waives work history requirements and allows any workers who usually wouldn’t qualify to receive unemployment benefits.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors: We have a competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!

Smart Home Security Systems – Protect and manage what matters most. You’re in control with simple, affordable security, and home automation. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft. This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of. Under our program you can protect yourself, spouse and children. Anyone you know can purchase this protection though our plan! Click here to learn more or sign up.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
e-mail: bgesgroup@gmail.com
website: http://www.bgesgroup.com
© – Copyright – 2019 – BGES Group