As a local insurance advisor to local businesses and individuals, I have access to helpful information that I can share with the community.  Attached is a helpful chart that goes over the CARES Act and the FFCRA.  This is a great tool to reference if you are applying for financial help during the Coronavirus Pandemic.  I should also mention that carriers have extended grace periods for business owners in regards to their health insurance premiums. NYS of Health has opened a Special Enrollment Period until May 15th for individuals that need health insurance. If you have any questions please shoot me an email at