The looming U.S. businessshutdowns stands to affect the paychecks of 82 million Americanswho are paid hourly; that is 60 percent of the entireworkforce.  In the past few weeks, key industries forvoluntary benefits such as restaurants, hotels, public schools, andother service sectors have shuttered for an indeterminate period oftime.  And unfortunately, voluntary benefits are disproportionatelyskewed towards these hourly workers and sectors.

Given this "new normal," payroll deductions of voluntarybenefits for hourly workers are in jeopardy due to reduced hoursand business closures.  Think about it: What percent ofyour business will be disrupted if just one full payroll cycle ismissed; much less the eight weeks being recommended by the CDC forany gathering of 50 or more (which would be most restaurants,schools, etc.)? Even a few weeks can create a billing and paymentissue for your business clients and policyholders.

Especially during this health care crisis, policyholders need tobe able to retain their valuable STD and hospital coverages thatcover expenses associated with the coronavirus.  Mostcarriers have already published their COVID-19 responses in termsof coverage, and the good news is many plans will cover coronavirusissues.  And because of the current environment,businesses are actually calling VB agents and brokers requestingany plans that cover coronavirus-related issues. And that can begreat for sales!