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What happens when small employer Paycheck Protection Program (PPP) money runs out?

Posted By Scott Beaver, COBRA Solutions, Inc., Tuesday, August 25, 2020

What happens when small employer Paycheck Protection Program (PPP) money runs out?


On March 25, 2020, the Senate voted unanimously, 96-0, in favor of the Coronavirus Aid, Relief, and Economic Security (CARES) Act which offered numerous programs designed to assist small business and employees during the downturn in the economy due to the pandemic.  In an effort to stabilize employment, the Paycheck Protection Program, or PPP was created to assist employers with meeting payroll and retaining employees.  These “loans,” which could be forgiven if the funds are properly used, where distributed in an amount equal to 2.5 times an employer’s monthly payroll.  To date, approximately 4.1 million PPP loans were approved and have helped employers retain their staff.

Goldman Sachs, a prominent investment banking organization funded a survey1 in July, 2020 of 1511 small businesses regarding the PPP loan program and how they are faring during the COVID-19 outbreak.  The survey results showed:

  1. 84% of respondents said they would exhaust their PPP funding by the end of August;
  2. Only 16 percent said they would be able to continue paying workers beyond that point; and
  3. Only 37% percent of small-business owners said they would be able to survive another wave of government imposed business closures.

If these results provide foresight into the economy’s future, we could see numerous layoffs/closures of small businesses beginning September 2020.  This is an intimidating forecast for small employers but how are terminated employee’s going to weather the storm?  There are unemployment funds to assist with the daily expenses but what about the loss of an employer-sponsored health insurance plan in the event the employee or family member becomes ill?

In an effort to assist employees losing coverage, the State of Arizona passed legislation in 2018 requiring employers with under 20 employees to offer the continuation of group medical insurance (commonly known as “Arizona miniCOBRA”) for up to 18 months at the group rate (plus a 5% administration fee).  For older employees comparing the costs and benefits of medical plans through and miniCOBRA, many find it is better to remain on the group plan.

Unknown to most small Arizona employers that offer a group plan, Arizona miniCOBRA mandates they send a notice detailing an employee’s continuation coverage rights upon termination or reduced work hours.  If the former employee elects to continue coverage, the employer is required to administer their insurance as well as monitoring numerous events causing an increase to the number of months under the group plan.  Currently, there is no government fine for noncompliance but the penalties arise when the employer is sued by a former employee for noncompliance with Senate Bill 1217.  For further information on the law, employer requirements and assistance, visit


Contributed by:  Scott Beaver, COBRA Solutions – A leader in continuation coverage administration.


Tags:  1217  COBRA  continuation coverage  miniCOBRA  PPP 

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Tips for Overcoming Holiday Blues

Posted By Jaime Vinck, Sierra Tucson, Tuesday, December 10, 2019
Let’s face it. Drinking, drug abuse and depression soar over Thanksgiving, Christmas, Hanukkah and New Year’s. As employers, it is important that we understand that the holidays may be a painful time for our team members. The good news is that during this time of year, holiday blues are often more appropriately described as situational depression, and can be significantly reduced by following these tips:

Avoid Emotional Drains that Reduce Productivity - Simply by choosing more positive friends, a positive environment, and uplifting activities, it can reduce depression. Lost productivity for U.S. workers is estimated to be in excess of $31 billion per year due to depression, which can be reduced by avoiding these 7 energy drainers, and modeling positive behaviors in our workplace:
a. Avoid Alcohol - Alcohol can exacerbate any feelings of situational depression while drinking, and even the day after. Many use alcohol to numb the pain or sorrow of depression when it actually makes it worse. How about suggesting an alcohol free holiday celebration, or better yet, season?
b. Avoid Sugar Binges – Eating too many cookies and cakes can create feelings of lethargy, similar to an emotional crash.
c. Avoid thinking about the past or future – Stay in the moment to keep peace of mind. If opportunities come up to talk to family members about challenges, then talk about the solutions instead of just focusing on the negative side of it.
d. Avoid over-spending – The rush of giving extravagant gifts can backfire with depression when the bill arrives after the holidays.
e. Avoid resentments - Holding resentments is like drinking poison and expecting the other person to die. Invite Uncle Bob to a holiday dinner even if there was tension last year. Look at what can be done before family gatherings to let go of the tension. Clearing emotional space will make for a more pleasant time with those family members.
f. Avoid comparisons to others – Looking at another’s life can result in unnecessary bitterness.
g. Avoid denial of feelings - Acknowledge sadness, and prepare to make changes in the New Year. Acknowledging feelings starts the healing process, holding them in can cause disease in the body making the depression worse.

Replace Addictions with Healthy Habits – In addition to avoiding energy drainers, recognizing weaknesses and replacing them with positive activities is another great way to stop holiday blues. Instead of drinking that bottle of wine, try a yoga or art class instead. Over the holidays, volunteering to help those less fortunate is also very therapeutic. Try doing it as a team instead of another expensive and unhealthy lunch.

It may seem small, however, if you have someone from out of town on your team, invite them to share in your family celebration. Work can be a place to belong and to channel positive energy for those who may struggle with the holidays. Celebrate that you, as a leader can make a difference!

Tags:  Business  health  healthcare  Healthy A  holiday  small business 

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Cypress' Dementia Program gets National Recognition

Posted By Bob Roth, Cypress HomeCare Solutions, Wednesday, October 3, 2018

Michelle Cornelius, Director of Memory Care Programs, was given the honor of presenting at the national Home Care Association of America Conference in D.C. on Sunday, September 23, 2018. In addition to sharing Cypress’ success with their dementia program, Cornelius also educated attendees on why it’s so important and how to start one for their own agency.  Home Health Care News approached Cornelius and Bob Roth, Managing Partner, following the presentation to get more information.

Read the article published in Home Health Care News Here!


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Benefits of a Dementia Program in a Home Care Agency

Posted By Bob Roth, Cypress HomeCare Solutions, Wednesday, September 12, 2018

Caring for aging parents is a challenge for many families that can become even more difficult following a dementia diagnosis or the onset of memory issues. Many families struggle to maintain the level of support their loved ones need and deserve.

The Advantage of In-Home Personal Care

By engaging an agency to provide your loved one with in-home personal care services, it becomes possible for them to stay at home longer without the need for a nursing home or memory care facility. Being surrounded by familiar people and familiar settings is comforting for those with Alzheimer’s and other types of dementia, and with the right dementia care in place, family members can gain comfort by knowing there are professionals supporting their loved ones in the place they call home.

Not all home care agencies offer specialized training for their caregivers to effectively work with clients who have Alzheimer’s disease or other dementias. When considering engaging a home care agency, this is an important topic to discuss while exploring options for your loved one. Agencies providing this type of advanced training to their caregivers are more equip with the tools required to give your loved one the care they deserve.  Cypress has a two-pronged dementia program: specialized Cypress caregivers and/or support and education for the family care partner.

Specialized Cypress Caregiver

At Cypress, our Director of Memory Care Programs provides extensive training for our caregivers to allow them to fully understand Alzheimer’s disease and other dementias, and to effectively care for our clients.  By working with a home care provider with Alzheimer’s and dementia expertise your loved one will remain engaged and receive assistance to continue to live their fullest life in their homes, not just simply be cooked for and cared for.  By engaging a trusted in-home care agency, family members can get peace of mind knowing their loved ones are being cared for effectively and compassionately.

For Family Caregivers

Many family care partners want to continue to care for their loved one with dementia but don’t have the tools to do so effectively. Our Director of Memory Care Programs offers support and education in the form of one-on-one trainings. These trainings provide the care partner with solutions customized to their specific situation, skills to care for their loved one, and on-going emotional support.

For professional and family caregivers alike, it is also essential to find time for respite. Engaging in self-care is critical to preventing additional stress, anxiety, emotional and physical fatigue, and to prevent caregiver burnout. The Cypress HomeCare Solutions team offers the necessary resources to allow your loved ones to age at home for as long as possible: specially-trained Cypress caregivers, resources for the family care partner, and resources for respite.  Contact us today at 602-264-8009 for more information.

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Tags:  baby boomers  dementia  health  home care  seniors 

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Understanding the Ins and Outs of Dual Coverage

Posted By Kristi DeWitt-Quintero, Delta Dental of AZ, Monday, August 27, 2018

It’s not uncommon to be covered by two dental benefits plans, which means that you have “dual coverage.” If this applies to you or your family members, take a moment to learn how dual coverage works with these four key points.8


Understand your coordination of benefits (COB).
Your COB is the way your two plans work together when you have dual coverage. The plan that pays first is called the “primary plan,” while the one that pays second is called the “secondary plan.” When your dental office sends a bill, they will address it to the primary plan provider. After the primary plan provider has paid, the remainder of the bill will be sent to your secondary
plan provider. In some cases, the secondary plan may cover the rest of the bill.


Figure out which plan pays first.
For kids, the primary plan provider can be determined in a couple of ways:

  • If you’re currently married and your kids have dual coverage, their primary plan will be based on your and your spouse’s birthdays. The parent whose birthday comes first in the year (regardless of birth year) will have the primary plan. For example, if your birthday is June 15th and your spouse’s birthday is December 1st, yours would be the primary plan.
  • When parents are divorced, a child’s primary plan typically comes from the parent with the largest portion of custody. It’s best to check with your benefits provider because this may vary depending on your situation.


Don’t expect double coverage.
Dual coverage means your two benefits providers share costs in a pre-determined way – not that you receive double benefits. For example, both plans may cover two cleanings a year, but having dual coverage doesn’t mean that you’re now covered for four.


Know if your plan has a non-duplication of benefits clause.
Some plans have a rule that prevents secondary plan coverage when the primary plan already paid as much or more than the secondary plan would have covered if it had been the primary plan. Check your plan information to see if your secondary plan has this rule before using your benefits.


With some quick research, you can handle dual coverage with ease and know what to expect after you visit the dentist.



Interested in learning more about ASBA's exclusive dental and vision plans for members? Contact Ashley Vizzerra for a quote today!



Visit the Delta Dental of Arizona Blog




Tags:  delta dental  dental  dental insurance  healthcare  insurance  small business 

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