Coronavirus (COVID-19) Insurer Resources

United Benefits is monitoring insurer news and policies relating to COVID-19 and providing necessary updates for employers and consumers. Refer to this page for important resources as we navigate this unpredictable situation together.

For service and support, contact your representative or our support team at


Quick access to our COVID-19 (Coronavirus) resources and insights.

Ensuring Access to Care

Health insurance carriers are enhancing coverage to allow greater access to benefits while ensuring their members receive the care and services they need, Coverage enhancements may vary by insurer but generally are:

  • covering the cost of testing and related visits
  • expanding access to primary care and specialists through telemedicine
  • broadening emotional support through telebehavioral health and digital tools


Insurers have developed independent COVID-19 websites that provide reliable COVID-19 news, FAQs on member care and coverage, and information about COVID-19 test centers. Visit your insurers site or contact our support team at for assistance.

Staying Informed

Insurers are working with state and federal agencies to understand new and pending legislation related to COVID-19 and how it affects your business and health coverage. We will provide legislative updates and related news as it becomes available. Check back often as the situation is fluid and constantly changing. Have more questions about your business or health coverage? You can contact our support team at for assistance.

Insurer COVID-19 Related Updates

Carriers are providing updates on how they are handling COVID-19 related regulations and coverage. Please note that information is evolving quickly and we are updating this section frequently, so please check back as needed.

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Supporting Employers

Health insurance carriers are supporting employers in various ways in coordination with federal and state efforts. Support pertaining to coverage for furloughed or temporarily laid-off employees, as well as premium relief, may vary by insurer but generally are:

  • Coverage for furloughed staff. To support you during this challenging time, we are honoring requests to continue coverage for employees who are furloughed or temporarily laid off.
  • Offering premium relief. Customers who are unable to pay their premium may temporarily pay by credit card using our eBill system. Businesses experiencing extreme hardship should contact their broker or account representative to take advantage of our Deferred Premium Program, which provides eligible businesses a 60 day grace period for either April or May premiums.


Small business loans through the CARES Act. As part of the CARES Act, companies are eligible to apply for SBA loans for financial assistance. While this is outside of our service scope, we are sharing some resources that may be helpful:


The U.S. Chamber of Commerce has many resources to guide small businesses. The NJ Chamber of Commerce also has information available.


A Message from the Small Business Administration

If you have been financially impacted, you should contact your bank, lenders, suppliers, and insurance company to determine what steps can be taken to help alleviate the impact. SBA is working to keep the small business community informed regarding the current emergency, with the information below.

The SBA and Treasury Department have launched the new Paycheck Protection Program to help keep employees on payroll and small businesses operating.

These are loans that may be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (at least 75% of the forgiven amount must have been used for payroll). Small businesses can apply through any existing SBA 7(a) lender or through any participating federally insured depository institutions, federally insured credit unions, and Farm Credit System institutions. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program. Additional information about this program is available at Lenders may begin processing loan applications as soon as April 3, 2020.

SBA emergency capital programs are available and include:

  • Paycheck Protection Program Loans: For small businesses needing funds to pay up to 8 weeks of payroll costs including benefits. May also be used to pay interest on mortgages, rent, and utilities. These are loans that may be fully forgiven.
  • Economic Injury Disaster Loans (low-interest, long-term loans up to $2 million): The first payment is deferred for 12 months. The application has been simplified and can be completed 100% online through our web portal
  • Economic Injury Disaster Loan Advance up to $10,000: The form to apply is part of the Economic Injury Disaster Loan application noted above. If approved, these funds can be used for payroll and other operating expenses and will be forgiven. Businesses that did not originally apply for the advance may apply now.
  • SBA Disaster Assistance Customer Service Center: can be reached at 1-800-659-2955 (TTY: 1-800-877-8339) and for questions and guidance on the loan application process, including business eligibility.