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What will employee benefits look like in 2021?

As we begin to settle into the new year, it’s important to take some time to both reflect on the past year and continue planning for the year to come. While 2020 was an unpredictable year, through the chaos we find insights that will shape the future of the workforce and employee benefits.

While many experts have made predictions for what 2021 might entail, there are a handful of themes that have come to the forefront for most. Likely the most notable of these is the prioritization among employers to promote diversity, equity, and inclusion. Following a year of civil unrest and mass protests for social justice, it makes sense that there is more interest in DEI. And we are seeing more people of color filling roles in high-profile positions – inspiring others, and influencing change. Additionally, we’ve seen a growing interest in environmental, social, and corporate governance policies among corporations where ESG had traditionally been less of a priority.

While priorities have been shifting regarding social equality, we have also been enduring the impacts of a global pandemic. This has shed light on many areas that have been overlooked in the past, such as improved benefits for working parents, women, and low-income individuals. These emerging themes have played a major role in what experts believe will influence the benefits strategies of employers in 2021.

Meeting a Diverse Range of Needs

It has become apparent that a broad benefits plan for all isn’t an effective strategy for companies that are working to create a more inclusive and diverse workplace. Instead, the standard has changed to a need for personalized benefits. While a change to benefits that serve a wider variety of employee needs (mental health, childcare, etc.) has been in the works for a few years, the events of 2020 have and continue to accelerate the need for more inclusive, well-rounded benefit programs.

More Equitable Benefits

2020 brought with it a variety of new challenges for employers and employees alike. While working parents struggled with the stress of ever-changing childcare solutions, many single non-parents struggled with the mental health concerns caused by isolation. The differences in the varying needs of employees brought forth the need for empathy and a shift in the benefits and services offered by employers. The effects of these differences will influence employers to have a more equitable approach to the benefits offered moving forward.

The Rise of Social Benefits

Social benefits refer to things such as student loan repayment programs, commuter benefits, child care, elder care, and more. They are a response to what many employees consider their employer’s social responsibility. While student loan repayment plans were expected to be the big trend of 2020, the COVID-19 pandemic certainly had a big impact on the emergence of such plans. However, that idea and similar non-traditional benefits are continuing to become more important as we see a growing interest in social benefits.

An Emphasis on Connecting Remotely

Our daily working environments have changed dramatically this year and with it came many opportunities and challenges. For example, remote work has allowed employers to tap into a wider pool of talent. However, employers need to continue to prioritize the use of technology that helps their teams succeed and educate them on time management and skills that will improve productivity while working from home.

Surge in DEI-Based Recruitment Efforts

Among all of the realization of the past year, we have seen a significant focus on the need for effective DEI initiatives from employers. The new virtual environment is not only helpful to the continuity of businesses, it encourages DEI initiatives in the future. Employers are no longer limited by geographical location when acquiring talent, rather, the virtual environment enables them to leverage recruitment platforms to access a more diverse pool of talent.

A Focus on Inclusivity, Despite Social Distancing

It uncertain when we will return to working in the office again. Many employers are feeling the struggles of the disconnect between employees. While Zoom meetings are helping us stay connected, it doesn’t quite replace the feeling of seeing and collaborating in-person. In the future, it will be important for leaders to structure remote work in a way that puts inclusivity as the top priority. Regardless of what the future holds, it is important that employers create a uniform and inclusive experience that encourages employees to do their best work.

The Biden Administration and Health Care

With President Biden now officially sworn in, many business owners are wondering what the Biden Administration will mean for the COVID-19 response and health care in general.

In this post, we’ll discuss some specific anticipated impacts of Biden’s presidency on the country’s health care system:

  • COVID-19 Response and Impact on Health Care
  • ACA, Medicare, and Medicaid
  • Drug Pricing
  • Billing and Pricing Transparency

COVID-19 Response and Impact on Health Care

Biden has indicated that he plans to increase the federal government’s role in the pandemic. He plans to lead a response focused on increased access to treatment, testing, and personal protective equipment (PPE). If necessary, he may implement mandates and mitigation strategies.

Most of the solutions that Biden has proposed to control the pandemic fall under one of the following categories:

  • Increase testing
  • Address PPE shortages
  • Distribute vaccines and treatments
  • Establish additional protections for high-risk and older Americans
  • Work with local authorities on public health measures
  • Offer federal relief

As the Biden administration takes over the domestic COVID-19 response, it hopes to improve the relationship with the World Health Organization (WHO). Biden believes this relationship was damaged by the Trump administration.

Biden has already built a COVID-19 response team and his team has begun movement on vaccine and mask initiatives. Potential federal mandates may face opposition. Conversely, increased federal aid and initiatives from the federal government to increase testing, treatment, and PPE access will be met with broader support.

ACA, Medicare, and Medicaid

President Biden hopes to address and expand health care access. Most of his agenda either fits into or supplements an expansion of the ACA, which is understandable since the ACA was one of Obama’s signature accomplishments while Biden was Vice President.

Due to potential congressional gridlock as a result of a divided congress, employers should expect to see roadblocks on Biden’s mission to expand the ACA, Medicare and Medicaid. However, it’s still worth taking a closer look at some of Biden’s health care priorities:

ACA

If the ACA is struck down by the challenges it is facing in the U.S. Supreme Court, the Biden administration would be expected to work toward a replacement. If the ACA is upheld by the courts, the Biden administration is expected to move forward with expanding the ACA. An expansion would include offering a public option and enhancing Medicaid and Medicare.

Public Option

Another Biden proposal is to offer a public option to compete with private markets. The public option would sit on Marketplace exchanges alongside private plans and be available to the public—even if employers offer coverage. President Biden’s ultimate goal with such a public option would be to create lower prices through price negotiation.

With the addition of a public option, small businesses might not need to offer coverage. However, private insurers would certainly be challenged by having to compete against a federally subsidized alternative.

Medicare

Biden has made it clear that he intends to lower the Medicare eligibility age from 65 to 60. If successful, it could increase participation in the Medicare program by 20 million people.

Medicaid

President Biden will seek an expansion of Medicaid, aiming to provide access to almost 5 million additional individuals. States that have already expanded Medicaid (which several have done in recent years) would have the choice of moving the expansion population to the public health care option as described in the previous ACA section, provided they continue to pay the cost of covering those individuals.

Ultimately, Biden hopes to ensure that people making below a certain percentage of the federal poverty level are covered. Biden would also try to create a program to facilitate automatic Medicaid enrollment for eligible participants.

Tax Credits

Biden hopes to expand tax credit eligibility for families who enroll in health coverage through the Marketplace. The current requirements to receive tax subsidies include a household income no higher than 400% of the federal poverty level. Biden would hope to achieve his plan by eliminating the current 400% income cap on eligibility, which would offer more families access to these tax credits.

Biden also hopes to lower the income cap that a family puts toward health care premiums from 9.86% to 8.5%. If a family has employer coverage but can get a better deal with the 8.5% cap on their premiums, they would be eligible under Biden’s plan to switch to a health care plan on the Marketplace.

Drug Pricing

Drug costs have been increasing for consumers in recent years, and President Biden hopes to reverse that trend. Some specific strategies that Biden has proposed are as follows:

  • Medicare drug pricing negotiation—Biden supports a requirement for drug corporations to negotiate with Medicare over drug prices. Biden wants this negotiated rate to be accessible for private plans. Federal programs would likely be the driving power behind these negotiations.  
  • Drug price increase limits and new drug monitoring—Although this will clearly face opposition, Biden hopes to limit the ability of drug companies to increase prices. If successful in this effort, Biden would establish a board to oversee prices and recommend reasonable prices for new drugs.
  • Drug Importation —By using the U.S. Department of Health and Human Services to put controls in place to ensure safety, Biden would like to import drugs from foreign markets to increase supply and therefore reduce costs.

Both sides of the political aisle seem to understand the need to reduce drug costs, so it is possible that Biden will have support from Republicans with these efforts. However, we can expect that Biden’s prescription drug proposals will face strong opposition in Congress and from the private sector.

Billing and Pricing Transparency

The final health care related issue that we’ll briefly discuss in this post is billing and pricing transparency. Surprise billing occurs when a consumer receives care that is unknowingly not covered under their health care plan. A common example is when a patient goes to an in-network hospital but doesn’t realize that a specialist at that hospital is not part of their health plan. Biden’s strategy to combat surprise billing is to prohibit health care providers from charging patients out-of-network rates when the patient has zero control over which provider they see.

Such an initiative may have bipartisan support, as efforts to limit surprise billing were also part of the Trump campaign. Both sides of the political aisle want to see increased transparency in health care pricing and billing.

Key Takeaways

Business leaders will want to pay special attention to what unfolds in the health care world as President Biden now holds office. Fortunately, Biden has left some clues as to what we might expect from his new efforts:

  • Biden has a vision to increase health care access through programs such as Medicare, Medicaid, ACA, and a public health care option.
  • Biden seeks to reduce prescription drug costs.
  • Biden supports efforts to make billing and pricing more transparent.

What Employers Should Know as the COVID Vaccine Becomes More Widely Distributed

Multiple COVID-19 vaccines are now being distributed across the world. Initial reports indicate that distribution has been slow, but the pace will surely pick up in coming weeks as more vaccines are produced. The vaccine is the light at the end of a dark tunnel that lasted for the majority of 2020. Many employers are optimistically looking forward to their employees receiving the vaccine, as it will allow operations to return to some form of normalcy.

In this post, we’ll cover the most important things that employers need to be aware of when it comes to COVID vaccine distribution and timelines. Specifically, we’ll cover:

  • Phases and Priorities for COVID Vaccine Release
  • Legality of Mandatory Vaccines
  • Strategies to Encourage Employees to Receive the Vaccine
  • COVID Vaccine Coverage

Phases and Priorities for COVID Vaccine Release

It’s helpful to think of COVID vaccine distribution in three phases:

  • Phase 1: Potentially limited supply of COVID-19 vaccine doses available – During this phase with a limited supply of vaccines, efforts will be concentrated on vaccinating priority populations (we are currently in the midst of Phase 1).
  • Phase 2: Large number of vaccine doses available – During the second phase, enough vaccinations will be available to vaccinate the general population.
  • Phase 3: Sufficient supply of vaccine doses for entire population (surplus of doses) – During the final phase of vaccine distribution, the focus will be on ensuring equitable vaccination access and continual monitoring of COVID-19 infections.

Even more important than understanding the general phases of vaccine distribution is an understanding of which populations are being prioritized for the vaccine. The following groups of people are considered the top priority for vaccinations:

  • Healthcare personnel (paid and unpaid persons serving in healthcare settings who have the potential for direct or indirect exposure to patients or infectious materials)
  • Non-healthcare essential workers
  • Adults with high-risk medical conditions who possess risk factors for severe COVID-19 illness
  • People 65 years of age and older (including those living in LTCFs)

Legality of Mandatory Vaccines

Many employers are likely wondering if they can require that their employees get the vaccine. According to the U.S. Equal Employment Opportunity Commission (EEOC), a federal agency that administers and enforces civil rights laws against workplace discrimination, here are some things that employers CAN do:

  • Require employees to receive COVID-19 vaccinations
    • However, employers may need to accommodate certain refusals. We’ll explain more about this later in this section.
  • Ask employees if they have COVID-19 or relevant symptoms.
  • Screen applicants for COVID-19 symptoms after making conditional job offers. 
  • Require employees to stay home if they have COVID-19 or its symptoms. Requiring medical notes before returning to work is permissible.

Employers should know how vaccines relate to the American’s With Disabilities Act (ADA). Under the ADA, vaccines are considered a medical exam. For an employer to mandate vaccines, they must be job-related and consistent with business necessity. The ADA also allows employers to require that their employees undergo certain health screenings and inquiries depending on the state of employment.

We’ll conclude this section by listing some reasons that individuals may be exempt from a vaccine mandate:

  • Certain disabilities
  • Pregnancy
  • Religious beliefs

Medical documentation can be requested for disabilities and pregnancy.

Before you implement a vaccine mandate at your company, you should consult with your HR leadership and ideally your legal council to make sure you have an agreed upon strategy for managing vaccine exemptions.

Strategies to Encourage Employees to Receive the Vaccine

As explained in the previous section, employers do have the right to require that employees receive the vaccine. However, this doesn’t necessarily mean that they should. A better strategy might be to encourage vaccination rather than requiring it. Requiring the vaccine has the potential to cause serious issues, especially if a large number of employees refuse to comply with the mandate.

Consider the following simple strategies for encouraging vaccination:

  • Subsidize the cost of vaccines.
  • Allow paid time off to go get vaccines.
  • Offer vaccines at the workplace to reduce any inconvenience.

Your local health department has most likely already created vaccine-related educational content that can be shared with your employees to inform them about the facts related to the COVID vaccines.

COVID Vaccine Coverage

An interim rule was passed by several federal government entities on November 6, 2020 that will require Medicare, Medicaid, and private insurers to cover a COVID-19 vaccine without any cost sharing.

For private health plans, this rule implements a requirement in the Coronavirus Aid, Relief and Economic Security (CARES) Act that plans provide coverage (without cost sharing) for qualifying COVID-19 preventive services. COVID-19 immunizations are considered preventive services.

Additionally, plans and issuers must cover qualifying COVID-19 preventive services during the entirety of the COVID-19 public health emergency without cost sharing. This is true regardless of whether an in-network or out-of-network provider delivers the preventive services.

The bottom line is that your business’ healthcare plan will be required to cover COVID-19 preventive services, including the vaccine, with no cost sharing.

Key Takeaways

Employers should know that vaccine distribution will take place in three phases. Unless you are a healthcare, education, or frontline-worker based organization, your employees will probably receive the vaccine during the second phase.

Priority populations for vaccination during the first phase are:

  • Healthcare personnel
  • Non-healthcare essential workers (i.e. frontline workers)
  • Adults with high-risk medical conditions
  • People 65 years of age and older

Vaccine mandates for employees are permissible under the EEOC and ADA. However, you should be aware of certain exemptions based on disabilities, certain health conditions like pregnancy, or religious beliefs. Before a mandate in implemented, employers should have a plan in place for dealing with these exemptions.

As a general best practice, it may be wiser to encourage vaccination rather than require it.

Rules approve by several federal agencies require that Medicare, Medicaid, and private insurers cover COVID-19 preventive procedures with no cost sharing. This includes vaccination.

This blog post has been a summary of the most important things employers should know about vaccine distribution. If you are in need of a more detailed breakdown of this topic, download our complete eBook: COVID-19 Vaccine Playbook for Employers.

The Most Common Payroll Mistakes Your Startup Is Probably Making

Having smooth payroll processes in the foundation of smooth people operations. As much as your team likely enjoys their roles, it’s the regular paychecks that keep them coming back to work every day.

Conversely, if your payroll processes have errors or inefficiencies, it can wreak havoc on employee morale. Your employees will never know if the next paycheck will be on time and accurate. At startups where lean teams are tasked with throwing payroll on their to-do list, it’s all-too common for critical errors to be made.

In this post, we’ll cover:

  • What are Some Common Payroll Mistakes?
  • How to Avoid Common Payroll Mistakes
  • Outsourcing Payroll to Mitigate Payroll Risk

What are Some Common Payroll Mistakes?

There are several mistakes that are commonly made with inexperienced or overworked teams tackle payroll.

  • Misclassifying Employees: Tax laws and benefits contributions are generally different for independent contractors than they are for traditional, in-house employees. If an employee is classified incorrectly, it could cause inaccurate contributions towards benefits and taxes. These types of errors can cause significant headaches for both the employee and the employer as they attempt payroll corrections post-processing.
  • Failing to Send Tax Forms: Sending out your W-2 and 1099 forms as early as possible after the start of the calendar year can go a long way towards making tax season easier on your employees. On the other hand, if it’s late January and your employees have not receive all the forms they need to complete their taxes, they may be left feeling frustrated and anxious. Remember, many of your employees may be expecting significant returns. If you fail to send out tax forms in a timely matter, you’ll be delaying that refund.
  • Failing to Keep Complete Records: The Fair Labor Standards Act (FLSA) requires that employers keep three year’s worth of payroll records. The law requires that these records include number of hours worked, pay rates, payroll processing dates, and other key information. In order to protect your company from potential fines and lawsuits, be sure that your payroll recordkeeping practices are functioning properly. Also, be sure to check the local payroll recordkeeping laws where your business is headquartered. Some states require that records be kept for over three years.
  • Missing Key Payroll Deadlines: Processing payroll is a highly time-sensitive matter and issues with updating entries, working with banks, and more, can cause unexpected delays. Processing payroll just one day late could cause extreme financial issues for your employees, especially for those who are living paycheck to paycheck. Many startups believe they have a concrete plan for ensuring payroll is processed on time each cycle, but they often aren’t prepared for unexpected or irregular issues that come up.
  • Failing to Accurately Calculate Pay: The final common payroll mistake that we’ll address in this post is perhaps the most significant. Accurately calculating payroll is more complicated than simply multiplying an employee’s hourly rate by the number of hours they worked. When you factor in overtime, commissions, deductions, and PTO, calculating the gross pay for an employee suddenly becomes very complicated. Nothing will make your employees lose confidence in your company faster than receiving an inaccurate paycheck. Work with your whomever on your team is tasked with payroll to make sure all payroll systems and data entered are up to date. As we’ll discuss later in this post, you may even consider outsourcing your payroll to ensure accurate calculations and timely deposits.

How to Avoid Common Payroll Mistakes

There are a few steps that you can take to avoid making the common payroll mistakes we covered in the previous section:

  • Keep a simple checklist of payroll processes. Even though your payroll process should be largely automated with technology, you should still have a detailed checklist that you can use to make sure payroll is processed accurately each cycle.
  • Consider running certain reports prior to payroll processing. Running reports like a deductions summary, payroll register, and cash requirement is a great strategy to catch any preexisting errors before they pollute the payroll cycle.
  • Don’t hold back when it comes to investing in payroll tools. Consult with your HR staff to determine if your payroll systems and technology are modern or out of date. Implementing the right Human Resources Information System (HRIS) for your business can easily make the difference between successful and unsuccessful payroll processing.
  • Make sure you fully understand what payroll is, especially if you don’t outsource your payroll. As a business leader, you should fully understand the payroll process from start to finish. If you can’t walk through the entire process in detail, don’t be surprised if you experience a payroll error sooner rather than later.

Outsourcing Payroll to Mitigate Payroll Risk

In order to avoid making costly payroll mistakes, consider outsourcing your payroll to an expert third party provider. Outsourced payroll providers are experts in all things payroll-related.

As a business owner, you constantly must worry about all aspects of your business. Marketing, finance, accounting, growth, investments, recruiting, onboarding, acquisitions, mergers, etc…the list could go on and on. Why add payroll—which is such a complex and crucially important task—to that list? Outsource your payroll so that you can focus on what matters most – growing your business! Hand off your payroll to a professional with years of experience avoiding and mitigating payroll risk.

Launchways is your trusted payroll partner. Get in touch with us about our payroll solutions today.

Key Takeaways

Some of the most common payroll mistakes are:

  • Misclassifying employees.
  • Failing to send tax forms.
  • Failing to keep complete records.
  • Missing key payroll deadlines.
  • Failing to accurately calculate pay.

To avoid these mistakes, consider doing the following:

  • Keep a simple checklist of payroll processes.
  • Run certain reports prior to payroll processing.
  • Don’t hold back when it comes to investing in payroll tools.
  • Make sure you fully understand what payroll is, especially if you don’t outsource your payroll.
  • Consider outsourcing your payroll to an expert payroll services provider.

7 Key Employee Benefits Challenges Employers Must Plan for as 2021 Approaches

Each new calendar year brings significant changes in the form of laws and regulations affecting employee benefits and general HR compliance. And this year, with the ongoing COVID-pandemic, employers are facing more unprecedented challenges that ever before. In this post, we’ll cover some of the main employee benefits issues that you’ll need to be aware of as we head into 2021.

Specifically, we’ll cover:

  • Furloughs
  • COVID Testing
  • Uncertainty of Healthcare Under New Presidential Administration
  • Deferred Renewals
  • Employees Going Remote and/or Relocating
  • Second COVID Wave and Corresponding Government Response
  • Cares Act COVID Benefit

1. Furloughs

In the early days of the COVID-19 pandemic, many state governments passed legislation to relax the eligibility requirements for furloughed employees to retain their benefits. Many of these regulatory actions were temporary and will expire as of January 1st, 2021.

Business owners should review the legislation that was passed in their states to determine if this circumstance will apply to them and any of their employees who remain furloughed. It’s also key to remain vigilant for any new legislation that may pass in the coming month around the topic of furloughs.

2. COVID Testing

The Families First Coronavirus Response Act (FFCRA), which was signed into law by President Trump on March 18, 2020 to respond to the pandemic, ensures that, “COVID-19 testing is free to anyone in the U.S., including the uninsured.” However, this provision will expire on December 31, 2020. This means that COVID testing will no longer be free, unless the Federal Government passes further legislation to extend free testing.

Consult directly with your healthcare provider to determine what their plans are for covering COVID testing as of January 1st, if any.

3. Uncertainty of Healthcare Under New Presidential Administration

Healthcare is always a topic of heated debate, especially during election years like 2020. This has caused many employers to ask themselves: what will healthcare look like under the Biden/Harris administration?

Biden plans to build off the ACA’s framework and expand a public health option similar to Medicare. This public option would directly compete with private insurance providers and would be available to anyone, regardless of whether their employer offers qualified-health plans. Additionally, regarding Medicare, Biden has proposed lowering the eligibility age to 60 from 65.

If Biden is successful in either of these healthcare initiatives, it would certainly flip healthcare as we currently know it upside down. Employers must remain tuned-into ongoing legislative conversations as the Biden administration begins their transition into the White House.

4. Deferred Renewals

Many benefits carriers handed out rate passes or premium holidays in light of the pandemic, regardless of loss ratios. Will these actions ultimately lead to significant renewals in 2021 for their clients? If your carrier granted you a rate pass or premium holiday, be sure you take that into consideration as you prepare to make decisions about renewing coverage with that provider.

5. Employees Going Remote and/or Relocating

Perhaps the most significant long-term impact of the COVID-19 pandemic is that many employees will become permanent work-from-home employees. This will give many people more flexibility with their living arrangements, and some will likely choose to relocate now that they can work from anywhere. This will undoubtably be a trend in 2021.

Employers should reevaluate benefit offerings to allow for these remote employees to have proper coverage wherever they may be. As a business leader, it’s crucial you work hand-in-hand with your benefits broker during this time to ensure you are addressing the healthcare needs of a newly remote workforce.

6. Second COVID Wave and Corresponding Government Response

Recent news about the positive preliminary results of potential coronavirus vaccines has provided a light at the end of the tunnel. However, cases are still surging in most states around the country. It is clear that we are in a second, more powerful wave of infections. However, the Federal Government has yet to pass any significant legislation to follow up the FFCRA or CARES ACT that were passed in March. With the election behind us, keep a close eye on the government to see what relief bills may be passed in the coming weeks and months.

Additionally, employers should be on the watch for any “stay-at-home” restrictions that are put in place, by either the federal government or by local state or city governments.

Whatever legislation ends up passing, if any, pay special attention to what it implies for “non-essential” businesses that need to have employees in-person. If extreme “stay-at-home” restrictions are put back in place, how will employees meet hourly requirements to maintain benefits?

If you haven’t already, you should be developing contingency plans to deal with varying levels of government restriction so that you know how to address these potential issues with your employees.

7. CARES Act COVID Benefit

As briefly mentioned in the previous section, the Federal Government passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act in March. Under the CARES Act, the government helps reimburse employees who are out of work due to COVID so the employer is not paying out of their employer Short Term Disability policy.

The question remains, will the CARES Act benefit continue throughout 2021 or will employers bear the financial brunt? Many employers are hopeful the federal government will take steps over the next few weeks to clarify what the future of the CARES Act will be.

Key Takeaways

From an HR and employee benefits perspective, we’ll enter the year 2021 with much uncertainty about how the COVID-19 pandemic will continue to affect the workplace. However, there are a few areas that employers will want to keep an eye on in the coming weeks and months so that they’ll have a better idea of what they’ll face in 2021:

  • Furloughs – Will regulatory actions that help furloughed employees retain their benefits continue into 2021?
  • COVID Testing – Will testing for COVID-19 still be free after December 31st, 2020?
  • Uncertainty of Healthcare Under New Presidential Administration – What will happen to the healthcare industry and Medicare under the incoming Biden Administration?
  • Deferred Renewals – Will benefits carriers see significant renewals increases in 2021 due to benefits holidays or rate passes that were handed out in 2020?
  • Employees Going Remote and/or Relocating – How must employers adjust their benefits plans to address the needs of a remote workforce?
  • Second COVID Wave and Corresponding Government Response – How significant will this second wave of COVID infections become, and what will be the response of federal, state, and local governments?
  • Cares Act COVID Benefit – Will the Federal Government extend the CARES ACT (or pass any follow-up legislation)?