{"version":"1.0.0","segments":[{"speaker":"Dan Wentz","startTime":23.58,"endTime":25.83,"body":"This is the"},{"speaker":"Dan Wentz","startTime":23.58,"endTime":25.83,"body":"placing you first podcast."},{"speaker":"Dan Wentz","startTime":25.95,"endTime":30.93,"body":"I'm Dan Wentz and his podcast features"},{"speaker":"Dan Wentz","startTime":25.95,"endTime":30.93,"body":"news and insights from CRCs vast knowledge"},{"speaker":"Dan Wentz","startTime":30.93,"endTime":36.629999999999995,"body":"base of 2000 plus associates who write"},{"speaker":"Dan Wentz","startTime":30.93,"endTime":36.629999999999995,"body":"nexus of $10 billion of freemium annually."},{"speaker":"Dan Wentz","startTime":36.66,"endTime":40.019999999999996,"body":"And we're giving you insider access"},{"speaker":"Dan Wentz","startTime":36.66,"endTime":40.019999999999996,"body":"to what's happening in our company"},{"speaker":"Dan Wentz","startTime":40.17,"endTime":42.0,"body":"and the types of insurance we place."},{"speaker":"Dan Wentz","startTime":42.41,"endTime":43.19,"body":"This is"},{"speaker":"Kunal Shah","startTime":43.19,"endTime":45.379999999999995,"body":"the placing you first podcast"},{"speaker":"Dan Wentz","startTime":47.33,"endTime":47.54,"body":"today."},{"speaker":"Dan Wentz","startTime":47.54,"endTime":51.86,"body":"We're joined by Mark Walden, who"},{"speaker":"Dan Wentz","startTime":47.54,"endTime":51.86,"body":"is the office president of CRC."},{"speaker":"Dan Wentz","startTime":51.95,"endTime":52.55,"body":"Chicago."},{"speaker":"Dan Wentz","startTime":53.0,"endTime":55.55,"body":"And he's a member of our"},{"speaker":"Dan Wentz","startTime":53.0,"endTime":55.55,"body":"exec pro practice group."},{"speaker":"Dan Wentz","startTime":55.58,"endTime":59.540000000000006,"body":"There's a lot of great things with, uh,"},{"speaker":"Dan Wentz","startTime":55.58,"endTime":59.540000000000006,"body":"financial lines throughout the Midwest"},{"speaker":"Dan Wentz","startTime":59.540000000000006,"endTime":64.6,"body":"there, and also who knows and all"},{"speaker":"Dan Wentz","startTime":59.540000000000006,"endTime":64.6,"body":"Shaw who is returning to the podcast."},{"speaker":"Dan Wentz","startTime":64.6,"endTime":65.56,"body":"Again, he's so great."},{"speaker":"Dan Wentz","startTime":65.56,"endTime":66.55,"body":"We keep bringing him back."},{"speaker":"Dan Wentz","startTime":67.03,"endTime":71.98,"body":"He's a partner at Meyer, LLP, practicing"},{"speaker":"Dan Wentz","startTime":67.03,"endTime":71.98,"body":"employment, litigation, and counseling."},{"speaker":"Dan Wentz","startTime":72.3,"endTime":75.09,"body":"Um, and commercial litigation."},{"speaker":"Dan Wentz","startTime":75.09,"endTime":77.1,"body":"So welcome you both to the podcast."},{"speaker":"Dan Wentz","startTime":77.1,"endTime":80.28,"body":"We appreciate you guys taking the time"},{"speaker":"Dan Wentz","startTime":77.1,"endTime":80.28,"body":"to talk to us about a, uh, important"},{"speaker":"Dan Wentz","startTime":80.28,"endTime":84.75,"body":"subject today is so we're talking"},{"speaker":"Dan Wentz","startTime":80.28,"endTime":84.75,"body":"about returning to work in 2021."},{"speaker":"Dan Wentz","startTime":84.78,"endTime":86.4,"body":"We are finally at the other end"},{"speaker":"Kunal Shah","startTime":86.4,"endTime":88.77,"body":"of COVID,"},{"speaker":"Kunal Shah","startTime":86.4,"endTime":88.77,"body":"uh, in some respects."},{"speaker":"Dan Wentz","startTime":89.22,"endTime":92.34,"body":"And, uh, employees are going"},{"speaker":"Dan Wentz","startTime":89.22,"endTime":92.34,"body":"to start heading back into the office."},{"speaker":"Dan Wentz","startTime":92.34,"endTime":96.18,"body":"I know our, uh, our office has some"},{"speaker":"Dan Wentz","startTime":92.34,"endTime":96.18,"body":"plans to start bringing back people"},{"speaker":"Dan Wentz","startTime":96.18,"endTime":97.83,"body":"back a little bit later on this year."},{"speaker":"Dan Wentz","startTime":98.10000000000001,"endTime":100.86,"body":"And I think that's the way it"},{"speaker":"Dan Wentz","startTime":98.10000000000001,"endTime":100.86,"body":"goes with, uh, most offices"},{"speaker":"Dan Wentz","startTime":100.86,"endTime":102.15,"body":"around the country right now."},{"speaker":"Dan Wentz","startTime":102.57000000000001,"endTime":107.73,"body":"Uh, so let's explore the, the risks"},{"speaker":"Dan Wentz","startTime":102.57000000000001,"endTime":107.73,"body":"and the issues that, um, That come"},{"speaker":"Dan Wentz","startTime":107.73,"endTime":111.12,"body":"from this and also vaccinations to"},{"speaker":"Dan Wentz","startTime":107.73,"endTime":111.12,"body":"everything that's going on with COVID"},{"speaker":"Dan Wentz","startTime":111.12,"endTime":113.61,"body":"right now, let's start with canal canal."},{"speaker":"Dan Wentz","startTime":113.7,"endTime":118.17,"body":"What risk exists for businesses"},{"speaker":"Dan Wentz","startTime":113.7,"endTime":118.17,"body":"that are welcoming employees back to"},{"speaker":"Kunal Shah","startTime":118.17,"endTime":119.19,"body":"work today?"},{"speaker":"Kunal Shah","startTime":119.239,"endTime":124.16,"body":"Well, you know, I think the obvious"},{"speaker":"Kunal Shah","startTime":119.239,"endTime":124.16,"body":"number one risk is exposing employees"},{"speaker":"Kunal Shah","startTime":124.16,"endTime":126.349,"body":"or customers to the virus, right?"},{"speaker":"Kunal Shah","startTime":126.62,"endTime":131.12,"body":"Uh, depending on the nature of your work,"},{"speaker":"Kunal Shah","startTime":126.62,"endTime":131.12,"body":"you could be, you know, it could be just"},{"speaker":"Kunal Shah","startTime":131.12,"endTime":134.179,"body":"a group of employees that you're bringing"},{"speaker":"Kunal Shah","startTime":131.12,"endTime":134.179,"body":"back, or it could be, you know, opening"},{"speaker":"Kunal Shah","startTime":134.179,"endTime":136.37,"body":"up shops where customers or clientele."},{"speaker":"Kunal Shah","startTime":136.785,"endTime":137.625,"body":"May frequent."},{"speaker":"Kunal Shah","startTime":137.89499999999998,"endTime":141.785,"body":"So the exposure to the virus"},{"speaker":"Kunal Shah","startTime":137.89499999999998,"endTime":141.785,"body":"obviously is number one, paramount"},{"speaker":"Kunal Shah","startTime":141.804,"endTime":146.685,"body":"risk, um, you know, uh, obvious ways"},{"speaker":"Kunal Shah","startTime":141.804,"endTime":146.685,"body":"to mitigate those risks is do what"},{"speaker":"Kunal Shah","startTime":146.685,"endTime":148.575,"body":"you've been doing this entire time."},{"speaker":"Kunal Shah","startTime":148.575,"endTime":148.815,"body":"Right."},{"speaker":"Kunal Shah","startTime":148.815,"endTime":152.774,"body":"You know, encouraged to completely stay"},{"speaker":"Kunal Shah","startTime":148.815,"endTime":152.774,"body":"home, follow the CDC protocols, you know,"},{"speaker":"Kunal Shah","startTime":152.774,"endTime":156.855,"body":"system checks, symptom checks, temperature"},{"speaker":"Kunal Shah","startTime":152.774,"endTime":156.855,"body":"screenings, before people start work,"},{"speaker":"Kunal Shah","startTime":157.24499999999998,"endTime":161.08499999999998,"body":"social distancing, barriers, partition,"},{"speaker":"Kunal Shah","startTime":157.24499999999998,"endTime":161.08499999999998,"body":"mass sanitizers, things like that."},{"speaker":"Kunal Shah","startTime":161.355,"endTime":165.67499999999998,"body":"Um, you know, I think when you're"},{"speaker":"Kunal Shah","startTime":161.355,"endTime":165.67499999999998,"body":"talking about risks of maybe"},{"speaker":"Kunal Shah","startTime":165.67499999999998,"endTime":168.49499999999998,"body":"rushing, it is, uh, it's twofold."},{"speaker":"Kunal Shah","startTime":168.52499999999998,"endTime":170.624,"body":"It's, it's going back"},{"speaker":"Kunal Shah","startTime":168.52499999999998,"endTime":170.624,"body":"to normal too quickly."},{"speaker":"Kunal Shah","startTime":170.95499999999998,"endTime":174.58499999999998,"body":"Um, but it also, you know, the"},{"speaker":"Kunal Shah","startTime":170.95499999999998,"endTime":174.58499999999998,"body":"risks are, you know, the risks that"},{"speaker":"Kunal Shah","startTime":174.855,"endTime":175.904,"body":"have been what they've always been."},{"speaker":"Kunal Shah","startTime":175.904,"endTime":180.915,"body":"And that's, you know, if you, if you"},{"speaker":"Kunal Shah","startTime":175.904,"endTime":180.915,"body":"have an exposure situation in your"},{"speaker":"Kunal Shah","startTime":180.915,"endTime":184.515,"body":"workplace, that'll automatically,"},{"speaker":"Kunal Shah","startTime":180.915,"endTime":184.515,"body":"you know, put into place."},{"speaker":"Kunal Shah","startTime":185.02499999999998,"endTime":186.855,"body":"OSHA reporting requirements, right?"},{"speaker":"Kunal Shah","startTime":187.185,"endTime":191.385,"body":"Uh, you will open yourself up to"},{"speaker":"Kunal Shah","startTime":187.185,"endTime":191.385,"body":"investigations if people in your"},{"speaker":"Kunal Shah","startTime":191.385,"endTime":195.135,"body":"office, um, are hospitalized because"},{"speaker":"Kunal Shah","startTime":191.385,"endTime":195.135,"body":"of COVID 19 and it originated"},{"speaker":"Kunal Shah","startTime":195.135,"endTime":197.355,"body":"from the, you know, the workplace."},{"speaker":"Kunal Shah","startTime":197.535,"endTime":200.17499999999998,"body":"So that's obviously the"},{"speaker":"Kunal Shah","startTime":197.535,"endTime":200.17499999999998,"body":"inherent risk there."},{"speaker":"Kunal Shah","startTime":200.23499999999999,"endTime":203.415,"body":"Um, you know, the OSHA"},{"speaker":"Kunal Shah","startTime":200.23499999999999,"endTime":203.415,"body":"guidelines for reporting are."},{"speaker":"Kunal Shah","startTime":203.71499999999997,"endTime":204.70499999999998,"body":"Very arduous."},{"speaker":"Kunal Shah","startTime":204.73499999999999,"endTime":209.535,"body":"Um, there, you know, we we've done"},{"speaker":"Kunal Shah","startTime":204.73499999999999,"endTime":209.535,"body":"them on behalf of employers because,"},{"speaker":"Kunal Shah","startTime":209.83499999999998,"endTime":213.67499999999998,"body":"um, if you're not truthful or if"},{"speaker":"Kunal Shah","startTime":209.83499999999998,"endTime":213.67499999999998,"body":"you, if you forget something, you"},{"speaker":"Kunal Shah","startTime":213.67499999999998,"endTime":214.99499999999998,"body":"know, you can be slapped with a fine."},{"speaker":"Kunal Shah","startTime":215.23499999999999,"endTime":216.635,"body":"So that's obviously an inherent risk."},{"speaker":"Kunal Shah","startTime":216.685,"endTime":219.375,"body":"That's always been the risk of"},{"speaker":"Kunal Shah","startTime":216.685,"endTime":219.375,"body":"employees came back to the workplace."},{"speaker":"Kunal Shah","startTime":219.795,"endTime":224.11499999999998,"body":"Um, you know, I think other"},{"speaker":"Kunal Shah","startTime":219.795,"endTime":224.11499999999998,"body":"return to work, uh, risk."},{"speaker":"Kunal Shah","startTime":224.11499999999998,"endTime":227.11499999999998,"body":"And I think we'll talk about this"},{"speaker":"Kunal Shah","startTime":224.11499999999998,"endTime":227.11499999999998,"body":"a little later is, um, you know,"},{"speaker":"Kunal Shah","startTime":227.11499999999998,"endTime":230.445,"body":"you're going to get that inherent"},{"speaker":"Kunal Shah","startTime":227.11499999999998,"endTime":230.445,"body":"fear, that pushback from employees."},{"speaker":"Kunal Shah","startTime":230.82,"endTime":233.7,"body":"Who aren't yet ready to"},{"speaker":"Kunal Shah","startTime":230.82,"endTime":233.7,"body":"go back to a workplace?"},{"speaker":"Kunal Shah","startTime":233.7,"endTime":236.33999999999997,"body":"You know, they might not be ready"},{"speaker":"Kunal Shah","startTime":233.7,"endTime":236.33999999999997,"body":"to go back to a big metropolitan."},{"speaker":"Kunal Shah","startTime":236.7,"endTime":240.779,"body":"Um, you know, if that's, you know, for"},{"speaker":"Kunal Shah","startTime":236.7,"endTime":240.779,"body":"me, for example, I live in the outskirts"},{"speaker":"Kunal Shah","startTime":240.779,"endTime":244.07,"body":"of Dallas, but obviously going in Dallas"},{"speaker":"Kunal Shah","startTime":240.779,"endTime":244.07,"body":"is a lot different than the suburbs"},{"speaker":"Kunal Shah","startTime":244.07999999999998,"endTime":245.57999999999998,"body":"where people may have that inherent fear."},{"speaker":"Kunal Shah","startTime":246.059,"endTime":249.35999999999999,"body":"Of being in places where, you know,"},{"speaker":"Kunal Shah","startTime":246.059,"endTime":249.35999999999999,"body":"they could be, you know, higher"},{"speaker":"Kunal Shah","startTime":249.35999999999999,"endTime":254.07,"body":"exposure obviously, which can lead to"},{"speaker":"Kunal Shah","startTime":249.35999999999999,"endTime":254.07,"body":"requests for accommodations, you know?"},{"speaker":"Kunal Shah","startTime":254.07,"endTime":257.25,"body":"And, and I think we're going to talk"},{"speaker":"Kunal Shah","startTime":254.07,"endTime":257.25,"body":"about that later, but you know, um, you"},{"speaker":"Kunal Shah","startTime":257.25,"endTime":260.94,"body":"may have employees who have a legitimate"},{"speaker":"Kunal Shah","startTime":257.25,"endTime":260.94,"body":"fear of contracting contract into"},{"speaker":"Kunal Shah","startTime":260.94,"endTime":263.13,"body":"disease and asking to work from home."},{"speaker":"Kunal Shah","startTime":263.16,"endTime":264.39,"body":"I mean, I see that a lot."},{"speaker":"Kunal Shah","startTime":264.39,"endTime":269.34,"body":"I see that every day, um, And,"},{"speaker":"Kunal Shah","startTime":264.39,"endTime":269.34,"body":"you know, can, can, uh, fear of"},{"speaker":"Kunal Shah","startTime":269.52,"endTime":273.72,"body":"contracting the disease, be a"},{"speaker":"Kunal Shah","startTime":269.52,"endTime":273.72,"body":"bonafide request for a reasonable"},{"speaker":"Kunal Shah","startTime":273.72,"endTime":275.34,"body":"accommodation related to disability?"},{"speaker":"Kunal Shah","startTime":275.64,"endTime":281.21999999999997,"body":"No, but you know, it can certainly,"},{"speaker":"Kunal Shah","startTime":275.64,"endTime":281.21999999999997,"body":"uh, lead to a claim out of sheer,"},{"speaker":"Kunal Shah","startTime":281.279,"endTime":284.25,"body":"um, you know, employee morale"},{"speaker":"Kunal Shah","startTime":281.279,"endTime":284.25,"body":"issues, employees being unhappy."},{"speaker":"Kunal Shah","startTime":284.25,"endTime":285.51,"body":"They have to return our workplace."},{"speaker":"Kunal Shah","startTime":285.51,"endTime":286.83,"body":"They might view as unsafe."},{"speaker":"Kunal Shah","startTime":287.27,"endTime":287.59999999999997,"body":"Yeah."},{"speaker":"Kunal Shah","startTime":287.63,"endTime":287.9,"body":"You would"},{"speaker":"Dan Wentz","startTime":287.9,"endTime":290.9,"body":"expect after everybody's"},{"speaker":"Dan Wentz","startTime":287.9,"endTime":290.9,"body":"gotten used to working from home."},{"speaker":"Dan Wentz","startTime":291.59999999999997,"endTime":294.96,"body":"Uh, that it's not going to be easy to"},{"speaker":"Dan Wentz","startTime":291.59999999999997,"endTime":294.96,"body":"bring them back and have them be okay"},{"speaker":"Kunal Shah","startTime":294.96,"endTime":295.32,"body":"with it."},{"speaker":"Dan Wentz","startTime":296.13,"endTime":297.47999999999996,"body":"Right, right out of the box."},{"speaker":"Dan Wentz","startTime":297.47999999999996,"endTime":298.679,"body":"So, uh, that's great."},{"speaker":"Dan Wentz","startTime":298.679,"endTime":299.88,"body":"So what about testing?"},{"speaker":"Dan Wentz","startTime":299.90999999999997,"endTime":304.109,"body":"Um, obviously I think employers are"},{"speaker":"Dan Wentz","startTime":299.90999999999997,"endTime":304.109,"body":"going to try to mitigate this and might"},{"speaker":"Dan Wentz","startTime":304.109,"endTime":306.03,"body":"be looking at testing and requiring."},{"speaker":"Dan Wentz","startTime":306.525,"endTime":307.935,"body":"Uh, testing for their employees."},{"speaker":"Dan Wentz","startTime":307.935,"endTime":308.925,"body":"Can they do that?"},{"speaker":"Kunal Shah","startTime":309.84499999999997,"endTime":310.445,"body":"They can."},{"speaker":"Kunal Shah","startTime":310.655,"endTime":313.955,"body":"Uh, that's actually, there's actually"},{"speaker":"Kunal Shah","startTime":310.655,"endTime":313.955,"body":"good EOC guidance on this topic."},{"speaker":"Kunal Shah","startTime":313.955,"endTime":317.85499999999996,"body":"I'm actually surprised that the EOC"},{"speaker":"Kunal Shah","startTime":313.955,"endTime":317.85499999999996,"body":"kind of put its foot down on this"},{"speaker":"Kunal Shah","startTime":317.85499999999996,"endTime":321.995,"body":"issue and Cloris can definitely"},{"speaker":"Kunal Shah","startTime":317.85499999999996,"endTime":321.995,"body":"require employees to test and, um,"},{"speaker":"Kunal Shah","startTime":322.38,"endTime":325.53,"body":"Uh, require them to keep testing"},{"speaker":"Kunal Shah","startTime":322.38,"endTime":325.53,"body":"until they produce a negative test."},{"speaker":"Kunal Shah","startTime":325.859,"endTime":330.33,"body":"Uh, the EOC pretty much says you can"},{"speaker":"Kunal Shah","startTime":325.859,"endTime":330.33,"body":"mandate testing so long it's it's"},{"speaker":"Kunal Shah","startTime":330.33,"endTime":332.78999999999996,"body":"job related to a business necessity."},{"speaker":"Kunal Shah","startTime":333.12,"endTime":337.95,"body":"And I don't know any employment place"},{"speaker":"Kunal Shah","startTime":333.12,"endTime":337.95,"body":"or employer that says, uh, workplace"},{"speaker":"Kunal Shah","startTime":337.95,"endTime":339.53999999999996,"body":"safety is not a business necessity."},{"speaker":"Kunal Shah","startTime":339.53999999999996,"endTime":343.89,"body":"So it's a very broad, easy"},{"speaker":"Kunal Shah","startTime":339.53999999999996,"endTime":343.89,"body":"standard to overcome welfare of"},{"speaker":"Kunal Shah","startTime":343.89,"endTime":345.45,"body":"employees as a business necessity."},{"speaker":"Kunal Shah","startTime":345.45,"endTime":350.58,"body":"So, um, you can definitely mandate that"},{"speaker":"Kunal Shah","startTime":345.45,"endTime":350.58,"body":"if for some reason, You see pushback"},{"speaker":"Kunal Shah","startTime":350.58,"endTime":355.43899999999996,"body":"from an employee refusing testing, um,"},{"speaker":"Kunal Shah","startTime":350.58,"endTime":355.43899999999996,"body":"that was that that needs to be treated"},{"speaker":"Kunal Shah","startTime":355.43899999999996,"endTime":360.45,"body":"in the way you treat somebody who,"},{"speaker":"Kunal Shah","startTime":355.43899999999996,"endTime":360.45,"body":"um, is, is, is engaging in some sort"},{"speaker":"Kunal Shah","startTime":360.45,"endTime":362.4,"body":"of policy violation at work, right?"},{"speaker":"Kunal Shah","startTime":362.669,"endTime":367.02,"body":"Um, you, you, you write them up,"},{"speaker":"Kunal Shah","startTime":362.669,"endTime":367.02,"body":"you send them home, uh, and if they"},{"speaker":"Kunal Shah","startTime":367.049,"endTime":371.669,"body":"refuse to comply with the workplace"},{"speaker":"Kunal Shah","startTime":367.049,"endTime":371.669,"body":"expectation, you know, that can be,"},{"speaker":"Kunal Shah","startTime":371.72999999999996,"endTime":375.53999999999996,"body":"uh, can be seen as a voluntary quit or"},{"speaker":"Kunal Shah","startTime":371.72999999999996,"endTime":375.53999999999996,"body":"resignation or grounds for termination."},{"speaker":"Kunal Shah","startTime":376.125,"endTime":377.385,"body":"So even if, uh,"},{"speaker":"Dan Wentz","startTime":377.405,"endTime":381.945,"body":"employees are not showing"},{"speaker":"Dan Wentz","startTime":377.405,"endTime":381.945,"body":"symptoms, they can still require testing."},{"speaker":"Kunal Shah","startTime":382.515,"endTime":382.66499999999996,"body":"Yeah."},{"speaker":"Kunal Shah","startTime":382.715,"endTime":382.835,"body":"Yeah."},{"speaker":"Kunal Shah","startTime":382.864,"endTime":387.544,"body":"I mean, if, if you know, one, it"},{"speaker":"Kunal Shah","startTime":382.864,"endTime":387.544,"body":"one it's, you know, it, it seems."},{"speaker":"Kunal Shah","startTime":387.86899999999997,"endTime":392.47999999999996,"body":"Kind of far-fetched because most"},{"speaker":"Kunal Shah","startTime":387.86899999999997,"endTime":392.47999999999996,"body":"of the time, most employers will do"},{"speaker":"Kunal Shah","startTime":392.57,"endTime":395.15999999999997,"body":"temperature checks and say, we're good."},{"speaker":"Kunal Shah","startTime":395.429,"endTime":399.299,"body":"But, um, there are some workplaces"},{"speaker":"Kunal Shah","startTime":395.429,"endTime":399.299,"body":"that are requiring or, you know,"},{"speaker":"Kunal Shah","startTime":399.299,"endTime":402.57,"body":"there's some, like if you fly right,"},{"speaker":"Kunal Shah","startTime":399.299,"endTime":402.57,"body":"you need to produce a negative test."},{"speaker":"Kunal Shah","startTime":402.90999999999997,"endTime":406.02,"body":"Uh, if workplaces want to go that"},{"speaker":"Kunal Shah","startTime":402.90999999999997,"endTime":406.02,"body":"extra distance and they're willing"},{"speaker":"Kunal Shah","startTime":406.02,"endTime":410.30899999999997,"body":"to compensate the employee, you know,"},{"speaker":"Kunal Shah","startTime":406.02,"endTime":410.30899999999997,"body":"reimburse the employee for the test,"},{"speaker":"Kunal Shah","startTime":410.58,"endTime":414.299,"body":"uh, not obviously, you know, take"},{"speaker":"Kunal Shah","startTime":410.58,"endTime":414.299,"body":"away any time from work or if they're,"},{"speaker":"Kunal Shah","startTime":414.359,"endTime":415.46999999999997,"body":"you know, if they're forced to go."},{"speaker":"Kunal Shah","startTime":415.935,"endTime":418.905,"body":"You know, out of work to get a test"},{"speaker":"Kunal Shah","startTime":415.935,"endTime":418.905,"body":"or whatever, you know, not dock"},{"speaker":"Kunal Shah","startTime":418.905,"endTime":420.85499999999996,"body":"them for the time, but, um, yeah."},{"speaker":"Kunal Shah","startTime":420.85499999999996,"endTime":422.985,"body":"You know, employers are well"},{"speaker":"Kunal Shah","startTime":420.85499999999996,"endTime":422.985,"body":"within their right to do that."},{"speaker":"Kunal Shah","startTime":422.985,"endTime":425.625,"body":"And, um, you know, even if you're"},{"speaker":"Kunal Shah","startTime":422.985,"endTime":425.625,"body":"not showing symptoms, you know,"},{"speaker":"Kunal Shah","startTime":425.625,"endTime":428.775,"body":"there's obviously enough literature"},{"speaker":"Kunal Shah","startTime":425.625,"endTime":428.775,"body":"out there that says you can carry the"},{"speaker":"Kunal Shah","startTime":428.775,"endTime":431.385,"body":"disease and, and never show a symptom."},{"speaker":"Kunal Shah","startTime":431.395,"endTime":434.59499999999997,"body":"So, um, you can still spread it"},{"speaker":"Kunal Shah","startTime":431.395,"endTime":434.59499999999997,"body":"too without showing symptoms."},{"speaker":"Kunal Shah","startTime":434.59499999999997,"endTime":435.195,"body":"So I think."},{"speaker":"Kunal Shah","startTime":435.614,"endTime":436.635,"body":"You don't see this a lot."},{"speaker":"Kunal Shah","startTime":436.635,"endTime":438.885,"body":"You don't see requirement"},{"speaker":"Kunal Shah","startTime":436.635,"endTime":438.885,"body":"of a negative test."},{"speaker":"Kunal Shah","startTime":438.945,"endTime":443.68399999999997,"body":"Um, even if they've never had COVID, you"},{"speaker":"Kunal Shah","startTime":438.945,"endTime":443.68399999999997,"body":"know, I know personally, you know, and"},{"speaker":"Kunal Shah","startTime":443.68399999999997,"endTime":448.81399999999996,"body":"workplaces that I'm dealing with it's the"},{"speaker":"Kunal Shah","startTime":443.68399999999997,"endTime":448.81399999999996,"body":"person had COVID and they can't return"},{"speaker":"Kunal Shah","startTime":448.81399999999996,"endTime":450.794,"body":"until they produce a negative test."},{"speaker":"Kunal Shah","startTime":451.00399999999996,"endTime":454.275,"body":"That's more the norm, but yeah, if"},{"speaker":"Kunal Shah","startTime":451.00399999999996,"endTime":454.275,"body":"you're an employer that's just requiring"},{"speaker":"Kunal Shah","startTime":454.275,"endTime":455.804,"body":"a negative test before you come back."},{"speaker":"Kunal Shah","startTime":455.835,"endTime":460.86,"body":"I mean, Seems to be a little feudal"},{"speaker":"Kunal Shah","startTime":455.835,"endTime":460.86,"body":"because you can certainly be exposed"},{"speaker":"Kunal Shah","startTime":460.89,"endTime":462.9,"body":"the next day after the negative test."},{"speaker":"Kunal Shah","startTime":463.22999999999996,"endTime":468.69,"body":"But yeah, I mean, it, it, this, this"},{"speaker":"Kunal Shah","startTime":463.22999999999996,"endTime":468.69,"body":"requirement of a negative test is mostly"},{"speaker":"Kunal Shah","startTime":468.69,"endTime":474.39,"body":"done in the situations of somebody having"},{"speaker":"Kunal Shah","startTime":468.69,"endTime":474.39,"body":"symptoms or just having had COVID-19."},{"speaker":"Kunal Shah","startTime":475.19,"endTime":475.78999999999996,"body":"What about the"},{"speaker":"Mark Waldeck","startTime":475.78999999999996,"endTime":479.09,"body":"test results themselves"},{"speaker":"Mark Waldeck","startTime":475.78999999999996,"endTime":479.09,"body":"and how they applied back to the employee"},{"speaker":"Mark Waldeck","startTime":479.09,"endTime":480.83,"body":"and that employee's right to privacy."},{"speaker":"Mark Waldeck","startTime":481.46,"endTime":483.11,"body":"How do we, how do we address that?"},{"speaker":"Kunal Shah","startTime":483.96,"endTime":484.34999999999997,"body":"Yeah."},{"speaker":"Kunal Shah","startTime":484.38,"endTime":490.44,"body":"You know, uh, and there's the, the see,"},{"speaker":"Kunal Shah","startTime":484.38,"endTime":490.44,"body":"um, and, and, and, you know, the, the"},{"speaker":"Kunal Shah","startTime":490.44,"endTime":496.02,"body":"ADA, um, they've come out with, uh, a"},{"speaker":"Kunal Shah","startTime":490.44,"endTime":496.02,"body":"lot of guidance on this issue, right?"},{"speaker":"Kunal Shah","startTime":496.32,"endTime":501.065,"body":"Uh, for example, the temperature"},{"speaker":"Kunal Shah","startTime":496.32,"endTime":501.065,"body":"screening was, uh, Was basically"},{"speaker":"Kunal Shah","startTime":501.09499999999997,"endTime":502.985,"body":"considered a physical examination."},{"speaker":"Kunal Shah","startTime":502.985,"endTime":506.16499999999996,"body":"That was, uh, something that"},{"speaker":"Kunal Shah","startTime":502.985,"endTime":506.16499999999996,"body":"you could not do before."},{"speaker":"Kunal Shah","startTime":506.16499999999996,"endTime":511.985,"body":"COVID-19, uh, now again, because of this"},{"speaker":"Kunal Shah","startTime":506.16499999999996,"endTime":511.985,"body":"business necessity, uh, allotment, you"},{"speaker":"Kunal Shah","startTime":511.985,"endTime":516.785,"body":"are allowed to temperature screen, and you"},{"speaker":"Kunal Shah","startTime":511.985,"endTime":516.785,"body":"are allowed to request a negative test."},{"speaker":"Kunal Shah","startTime":517.085,"endTime":521.0450000000001,"body":"Um, you are, so you also are allowed"},{"speaker":"Kunal Shah","startTime":517.085,"endTime":521.0450000000001,"body":"to ask people how they're feeling,"},{"speaker":"Kunal Shah","startTime":521.0450000000001,"endTime":522.575,"body":"whether they're exhibiting symptoms."},{"speaker":"Kunal Shah","startTime":522.785,"endTime":525.065,"body":"Um, I dunno if you guys seen"},{"speaker":"Kunal Shah","startTime":522.785,"endTime":525.065,"body":"those questionnaires that"},{"speaker":"Kunal Shah","startTime":525.065,"endTime":526.445,"body":"a lot of workplaces have."},{"speaker":"Kunal Shah","startTime":526.739,"endTime":528.39,"body":"Uh, you have to fill it"},{"speaker":"Kunal Shah","startTime":526.739,"endTime":528.39,"body":"out sometimes every day."},{"speaker":"Kunal Shah","startTime":528.39,"endTime":529.53,"body":"So yeah."},{"speaker":"Kunal Shah","startTime":529.53,"endTime":531.57,"body":"You know, that, that,"},{"speaker":"Kunal Shah","startTime":529.53,"endTime":531.57,"body":"it's a good question."},{"speaker":"Kunal Shah","startTime":531.6,"endTime":535.8000000000001,"body":"Um, and, and it's, it's pretty,"},{"speaker":"Kunal Shah","startTime":531.6,"endTime":535.8000000000001,"body":"it's pretty, um, new and"},{"speaker":"Kunal Shah","startTime":535.8000000000001,"endTime":537.749,"body":"novel that we're dealing with."},{"speaker":"Kunal Shah","startTime":538.08,"endTime":541.6500000000001,"body":"Uh, employers being able to really"},{"speaker":"Kunal Shah","startTime":538.08,"endTime":541.6500000000001,"body":"ask personal questions about, you"},{"speaker":"Kunal Shah","startTime":541.6500000000001,"endTime":542.85,"body":"know, do you have a temperature?"},{"speaker":"Kunal Shah","startTime":542.85,"endTime":546.0300000000001,"body":"Do you have anyone in your"},{"speaker":"Kunal Shah","startTime":542.85,"endTime":546.0300000000001,"body":"family experiencing sickness?"},{"speaker":"Kunal Shah","startTime":546.33,"endTime":549.45,"body":"Uh, in normal times,"},{"speaker":"Kunal Shah","startTime":546.33,"endTime":549.45,"body":"all of these would be."},{"speaker":"Kunal Shah","startTime":549.8090000000001,"endTime":553.47,"body":"Bard a hundred percent there wouldn't"},{"speaker":"Kunal Shah","startTime":549.8090000000001,"endTime":553.47,"body":"be, there'd be no business necessity"},{"speaker":"Kunal Shah","startTime":553.74,"endTime":558.149,"body":"and asking somebody about their medical"},{"speaker":"Kunal Shah","startTime":553.74,"endTime":558.149,"body":"condition, but because we're dealing"},{"speaker":"Kunal Shah","startTime":558.149,"endTime":563.8190000000001,"body":"with a global pandemic, the EOC, um,"},{"speaker":"Kunal Shah","startTime":558.149,"endTime":563.8190000000001,"body":"CDC, and several other guidelines, which"},{"speaker":"Kunal Shah","startTime":563.8190000000001,"endTime":566.3090000000001,"body":"will kind of point fingers at each other,"},{"speaker":"Kunal Shah","startTime":563.8190000000001,"endTime":566.3090000000001,"body":"don't say, no, you know, it's okay."},{"speaker":"Kunal Shah","startTime":566.61,"endTime":569.7890000000001,"body":"Uh, you know, these are, these"},{"speaker":"Kunal Shah","startTime":566.61,"endTime":569.7890000000001,"body":"are wild times, so we'll,"},{"speaker":"Kunal Shah","startTime":569.7890000000001,"endTime":571.139,"body":"we'll let these things slot."},{"speaker":"Kunal Shah","startTime":571.7,"endTime":572.6,"body":"Great question, Mark."},{"speaker":"Dan Wentz","startTime":573.6790000000001,"endTime":576.08,"body":"Uh, what about infections"},{"speaker":"Dan Wentz","startTime":573.6790000000001,"endTime":576.08,"body":"are they covered under worker's"},{"speaker":"Kunal Shah","startTime":576.08,"endTime":576.409,"body":"comp?"},{"speaker":"Kunal Shah","startTime":576.975,"endTime":579.014,"body":"Yeah, I'm an employee."},{"speaker":"Kunal Shah","startTime":579.075,"endTime":581.085,"body":"I knew at least I believe so."},{"speaker":"Kunal Shah","startTime":581.085,"endTime":586.115,"body":"Here in Texas, I'm an employee most"},{"speaker":"Kunal Shah","startTime":581.085,"endTime":586.115,"body":"have contacted it at work, right?"},{"speaker":"Kunal Shah","startTime":586.115,"endTime":589.205,"body":"I mean, it's, it's, it's obviously,"},{"speaker":"Kunal Shah","startTime":586.115,"endTime":589.205,"body":"you know, just like any other"},{"speaker":"Kunal Shah","startTime":589.534,"endTime":593.255,"body":"occupational disease has to be"},{"speaker":"Kunal Shah","startTime":589.534,"endTime":593.255,"body":"injured, a contract through work, um,"},{"speaker":"Kunal Shah","startTime":593.284,"endTime":596.105,"body":"or as a result of the employment, if"},{"speaker":"Kunal Shah","startTime":593.284,"endTime":596.105,"body":"they were out in the field and they"},{"speaker":"Kunal Shah","startTime":596.105,"endTime":597.725,"body":"contracted it or whatever it may be."},{"speaker":"Kunal Shah","startTime":597.965,"endTime":601.894,"body":"Um, and, and obviously the employer"},{"speaker":"Kunal Shah","startTime":597.965,"endTime":601.894,"body":"has to be participating in some sort of"},{"speaker":"Kunal Shah","startTime":601.894,"endTime":605.705,"body":"workers' compensation, um, plan or policy."},{"speaker":"Kunal Shah","startTime":606.33,"endTime":606.87,"body":"Uh,"},{"speaker":"Dan Wentz","startTime":607.0490000000001,"endTime":607.5,"body":"okay."},{"speaker":"Dan Wentz","startTime":607.5,"endTime":612.2990000000001,"body":"So can employers make their"},{"speaker":"Dan Wentz","startTime":607.5,"endTime":612.2990000000001,"body":"employees return to work?"},{"speaker":"Dan Wentz","startTime":612.389,"endTime":613.08,"body":"Force them to,"},{"speaker":"Kunal Shah","startTime":614.2990000000001,"endTime":614.72,"body":"Oh yeah."},{"speaker":"Kunal Shah","startTime":615.5,"endTime":617.72,"body":"Oh yes, this is, yeah."},{"speaker":"Kunal Shah","startTime":617.72,"endTime":619.7,"body":"This is, uh, what we're dealing with."},{"speaker":"Kunal Shah","startTime":619.73,"endTime":624.57,"body":"Um, This is something we've been dealing"},{"speaker":"Kunal Shah","startTime":619.73,"endTime":624.57,"body":"with since late summer when some employers"},{"speaker":"Kunal Shah","startTime":624.57,"endTime":627.029,"body":"were like, you know, w we need you back."},{"speaker":"Kunal Shah","startTime":627.2990000000001,"endTime":630.36,"body":"Uh, there are a lot of businesses"},{"speaker":"Kunal Shah","startTime":627.2990000000001,"endTime":630.36,"body":"that you can't work remotely, right?"},{"speaker":"Kunal Shah","startTime":630.36,"endTime":634.44,"body":"You, you just, you can't do it in, in the"},{"speaker":"Kunal Shah","startTime":630.36,"endTime":634.44,"body":"retail retail world or whatever it may be."},{"speaker":"Kunal Shah","startTime":634.7990000000001,"endTime":639.269,"body":"Um, but yes, they can, uh,"},{"speaker":"Kunal Shah","startTime":634.7990000000001,"endTime":639.269,"body":"force people to return to work."},{"speaker":"Kunal Shah","startTime":639.5390000000001,"endTime":642.38,"body":"Um, you know, this then brings up."},{"speaker":"Kunal Shah","startTime":642.69,"endTime":643.11,"body":"Okay."},{"speaker":"Kunal Shah","startTime":643.11,"endTime":646.86,"body":"Well, if there are concerns about if"},{"speaker":"Kunal Shah","startTime":643.11,"endTime":646.86,"body":"they're legitimate health concerns,"},{"speaker":"Kunal Shah","startTime":647.34,"endTime":647.5200000000001,"body":"you"},{"speaker":"Kunal Shah","startTime":647.5200000000001,"endTime":651.84,"body":"certainly can not"},{"speaker":"Kunal Shah","startTime":647.5200000000001,"endTime":651.84,"body":"require somebody to come back to a"},{"speaker":"Kunal Shah","startTime":651.84,"endTime":653.6700000000001,"body":"workplace that is known to be unsafe."},{"speaker":"Kunal Shah","startTime":653.6700000000001,"endTime":657.84,"body":"And, and, you know, there's a, you know,"},{"speaker":"Kunal Shah","startTime":653.6700000000001,"endTime":657.84,"body":"COVID outbreak going on before our last,"},{"speaker":"Kunal Shah","startTime":657.9000000000001,"endTime":662.4000000000001,"body":"um, you know, before the last conversation"},{"speaker":"Kunal Shah","startTime":657.9000000000001,"endTime":662.4000000000001,"body":"I was, I was, uh, Researching this and"},{"speaker":"Kunal Shah","startTime":662.4000000000001,"endTime":665.5200000000001,"body":"actually buy it and ask for guidance"},{"speaker":"Kunal Shah","startTime":662.4000000000001,"endTime":665.5200000000001,"body":"from the department of labor on this"},{"speaker":"Kunal Shah","startTime":665.5200000000001,"endTime":669.8100000000001,"body":"in January on this exact issue, in the"},{"speaker":"Kunal Shah","startTime":665.5200000000001,"endTime":669.8100000000001,"body":"context of employees, fearful of going to"},{"speaker":"Kunal Shah","startTime":669.8100000000001,"endTime":672.57,"body":"work, going back to an unsafe workplace."},{"speaker":"Kunal Shah","startTime":672.57,"endTime":675.2700000000001,"body":"And they're looking, he's"},{"speaker":"Kunal Shah","startTime":672.57,"endTime":675.2700000000001,"body":"looking for some sort of guidance"},{"speaker":"Kunal Shah","startTime":675.2700000000001,"endTime":676.38,"body":"from the department of labor."},{"speaker":"Kunal Shah","startTime":676.59,"endTime":680.25,"body":"The reason for this is if there is"},{"speaker":"Kunal Shah","startTime":676.59,"endTime":680.25,"body":"some sort of bonafide reason to have"},{"speaker":"Kunal Shah","startTime":680.25,"endTime":684.75,"body":"a fear of going back to an unsafe"},{"speaker":"Kunal Shah","startTime":680.25,"endTime":684.75,"body":"workplace, the employee may be"},{"speaker":"Kunal Shah","startTime":684.8100000000001,"endTime":686.76,"body":"able to get unemployment insurance."},{"speaker":"Kunal Shah","startTime":687.0600000000001,"endTime":690.51,"body":"Uh, now again, this is a very rare."},{"speaker":"Kunal Shah","startTime":691.005,"endTime":695.264,"body":"It's very rare that an employee, a"},{"speaker":"Kunal Shah","startTime":691.005,"endTime":695.264,"body":"placement employment is highly unsafe"},{"speaker":"Kunal Shah","startTime":695.264,"endTime":698.625,"body":"and then it's just, you know, a"},{"speaker":"Kunal Shah","startTime":695.264,"endTime":698.625,"body":"place where you contract COVID right."},{"speaker":"Kunal Shah","startTime":698.9250000000001,"endTime":702.075,"body":"Um, that's, that's not going"},{"speaker":"Kunal Shah","startTime":698.9250000000001,"endTime":702.075,"body":"to be a place of employment."},{"speaker":"Kunal Shah","startTime":702.075,"endTime":702.9150000000001,"body":"That's going to."},{"speaker":"Kunal Shah","startTime":703.2890000000001,"endTime":704.61,"body":"You know that that's"},{"speaker":"Kunal Shah","startTime":703.2890000000001,"endTime":704.61,"body":"going to change, right."},{"speaker":"Kunal Shah","startTime":704.61,"endTime":706.35,"body":"That, that place of employment's"},{"speaker":"Kunal Shah","startTime":704.61,"endTime":706.35,"body":"going to clearly, you know,"},{"speaker":"Kunal Shah","startTime":706.36,"endTime":707.639,"body":"go through some sanitation."},{"speaker":"Kunal Shah","startTime":707.85,"endTime":711.2990000000001,"body":"I've had, I've had clients who have"},{"speaker":"Kunal Shah","startTime":707.85,"endTime":711.2990000000001,"body":"had outbreaks and they shut everything"},{"speaker":"Kunal Shah","startTime":711.2990000000001,"endTime":714.029,"body":"down and they wait two weeks and they"},{"speaker":"Kunal Shah","startTime":711.2990000000001,"endTime":714.029,"body":"bring everyone back to work or they"},{"speaker":"Kunal Shah","startTime":714.029,"endTime":715.83,"body":"bring people back to work in waves."},{"speaker":"Kunal Shah","startTime":716.159,"endTime":719.519,"body":"You know, that that's, uh, that's, that's"},{"speaker":"Kunal Shah","startTime":716.159,"endTime":719.519,"body":"the exception, but in general, if you're"},{"speaker":"Kunal Shah","startTime":719.519,"endTime":723.96,"body":"dealing with a workplace, um, like any"},{"speaker":"Kunal Shah","startTime":719.519,"endTime":723.96,"body":"of ours, you know, an office space, um,"},{"speaker":"Kunal Shah","startTime":723.99,"endTime":727.59,"body":"and, and it's, it's time for an employer"},{"speaker":"Kunal Shah","startTime":723.99,"endTime":727.59,"body":"to make a decision as long as there's no."},{"speaker":"Kunal Shah","startTime":727.904,"endTime":731.9240000000001,"body":"You know, local ordinance saying"},{"speaker":"Kunal Shah","startTime":727.904,"endTime":731.9240000000001,"body":"there's capacity restrictions or okay."},{"speaker":"Kunal Shah","startTime":731.9240000000001,"endTime":735.105,"body":"These businesses can't bring"},{"speaker":"Kunal Shah","startTime":731.9240000000001,"endTime":735.105,"body":"that, bring their employees back."},{"speaker":"Kunal Shah","startTime":735.135,"endTime":736.755,"body":"Um, you know, yes."},{"speaker":"Kunal Shah","startTime":736.755,"endTime":740.2940000000001,"body":"You know, employers can require"},{"speaker":"Kunal Shah","startTime":736.755,"endTime":740.2940000000001,"body":"employees to come back to work."},{"speaker":"Kunal Shah","startTime":740.325,"endTime":742.0640000000001,"body":"Now, uh, there are."},{"speaker":"Kunal Shah","startTime":742.605,"endTime":749.8040000000001,"body":"Some cases where you have a certain"},{"speaker":"Kunal Shah","startTime":742.605,"endTime":749.8040000000001,"body":"individuals who have medical, you know,"},{"speaker":"Kunal Shah","startTime":749.835,"endTime":754.605,"body":"underlying medical conditions, um, where"},{"speaker":"Kunal Shah","startTime":749.835,"endTime":754.605,"body":"they're extremely susceptible of catching"},{"speaker":"Kunal Shah","startTime":754.635,"endTime":756.524,"body":"sickness and, you know, dying from it."},{"speaker":"Kunal Shah","startTime":756.885,"endTime":760.9340000000001,"body":"Um, I had a, I had a case where,"},{"speaker":"Kunal Shah","startTime":756.885,"endTime":760.9340000000001,"body":"where, you know, an individual."},{"speaker":"Kunal Shah","startTime":761.225,"endTime":763.894,"body":"Um, had a blood disorder and,"},{"speaker":"Kunal Shah","startTime":761.225,"endTime":763.894,"body":"you know, the doctor was like,"},{"speaker":"Kunal Shah","startTime":763.894,"endTime":765.154,"body":"this guy should not be going out."},{"speaker":"Kunal Shah","startTime":765.195,"endTime":768.274,"body":"You know, definitely not going to the"},{"speaker":"Kunal Shah","startTime":765.195,"endTime":768.274,"body":"place of work because you know, he's"},{"speaker":"Kunal Shah","startTime":768.274,"endTime":774.394,"body":"very settable catching any illness,"},{"speaker":"Kunal Shah","startTime":768.274,"endTime":774.394,"body":"especially one as, um, fatal as COVID-19,"},{"speaker":"Kunal Shah","startTime":774.394,"endTime":776.6750000000001,"body":"you know, so he had a, he had a bonafide."},{"speaker":"Kunal Shah","startTime":777.08,"endTime":779.779,"body":"Written medical documentation"},{"speaker":"Kunal Shah","startTime":777.08,"endTime":779.779,"body":"saying, you know, this guy needs to"},{"speaker":"Kunal Shah","startTime":779.779,"endTime":782.899,"body":"re you know, work remotely and his"},{"speaker":"Kunal Shah","startTime":779.779,"endTime":782.899,"body":"case, he was able to work remotely."},{"speaker":"Kunal Shah","startTime":782.899,"endTime":785.21,"body":"The job was, you know,"},{"speaker":"Kunal Shah","startTime":782.899,"endTime":785.21,"body":"available to him remotely."},{"speaker":"Kunal Shah","startTime":785.44,"endTime":789.85,"body":"Um, but conversely, if you're somebody"},{"speaker":"Kunal Shah","startTime":785.44,"endTime":789.85,"body":"who's, you know, you can't do the"},{"speaker":"Kunal Shah","startTime":789.85,"endTime":791.7990000000001,"body":"material functions of your job from home."},{"speaker":"Kunal Shah","startTime":792.12,"endTime":794.279,"body":"Um, Starbucks, barista, right?"},{"speaker":"Kunal Shah","startTime":794.279,"endTime":797.519,"body":"That's always the example I give you"},{"speaker":"Kunal Shah","startTime":794.279,"endTime":797.519,"body":"are allowed to terminate that person."},{"speaker":"Kunal Shah","startTime":797.5500000000001,"endTime":801.12,"body":"If they can't do the, if they can't"},{"speaker":"Kunal Shah","startTime":797.5500000000001,"endTime":801.12,"body":"do it with any kind of accommodation,"},{"speaker":"Mark Waldeck","startTime":801.47,"endTime":804.5,"body":"are those new rules"},{"speaker":"Mark Waldeck","startTime":801.47,"endTime":804.5,"body":"that the government is setting now?"},{"speaker":"Mark Waldeck","startTime":804.5,"endTime":809.6,"body":"Meaning when can you force an employee"},{"speaker":"Mark Waldeck","startTime":804.5,"endTime":809.6,"body":"to come back into the workplace?"},{"speaker":"Mark Waldeck","startTime":810.6750000000001,"endTime":813.885,"body":"Are we creating a dangerous"},{"speaker":"Mark Waldeck","startTime":810.6750000000001,"endTime":813.885,"body":"precedent for other unrelated?"},{"speaker":"Mark Waldeck","startTime":814.005,"endTime":817.1850000000001,"body":"Maybe we have a bad, violent"},{"speaker":"Mark Waldeck","startTime":814.005,"endTime":817.1850000000001,"body":"flu outbreak two years from now."},{"speaker":"Mark Waldeck","startTime":817.5150000000001,"endTime":818.8950000000001,"body":"And the flu kills a lot of people."},{"speaker":"Mark Waldeck","startTime":819.255,"endTime":822.195,"body":"They only differences is that we've"},{"speaker":"Mark Waldeck","startTime":819.255,"endTime":822.195,"body":"been around it longer, but I'm sure"},{"speaker":"Mark Waldeck","startTime":822.195,"endTime":825.255,"body":"there's a lot of historical numbers"},{"speaker":"Mark Waldeck","startTime":822.195,"endTime":825.255,"body":"that show that the flu is pretty"},{"speaker":"Mark Waldeck","startTime":825.255,"endTime":826.9050000000001,"body":"lethal to a lot of individuals."},{"speaker":"Mark Waldeck","startTime":828.065,"endTime":833.0250000000001,"body":"Are our employers going to attack that"},{"speaker":"Mark Waldeck","startTime":828.065,"endTime":833.0250000000001,"body":"issue differently now going forward,"},{"speaker":"Mark Waldeck","startTime":833.0250000000001,"endTime":834.9150000000001,"body":"given this precedent for COVID."},{"speaker":"Mark Waldeck","startTime":835.845,"endTime":836.085,"body":"That's"},{"speaker":"Kunal Shah","startTime":836.085,"endTime":841.485,"body":"such a great point, you"},{"speaker":"Kunal Shah","startTime":836.085,"endTime":841.485,"body":"know, and before COVID, the flu was not"},{"speaker":"Kunal Shah","startTime":841.485,"endTime":845.715,"body":"even considered a disability, right."},{"speaker":"Kunal Shah","startTime":845.715,"endTime":847.335,"body":"It was a transient nature."},{"speaker":"Kunal Shah","startTime":847.335,"endTime":848.955,"body":"You knew it was going to go away."},{"speaker":"Kunal Shah","startTime":849.195,"endTime":852.585,"body":"It wasn't considered a disability"},{"speaker":"Kunal Shah","startTime":849.195,"endTime":852.585,"body":"that would require you to work"},{"speaker":"Kunal Shah","startTime":852.585,"endTime":853.755,"body":"from home or whatever it may be."},{"speaker":"Kunal Shah","startTime":854.9100000000001,"endTime":858.9000000000001,"body":"Now, obviously, you know, when"},{"speaker":"Kunal Shah","startTime":854.9100000000001,"endTime":858.9000000000001,"body":"we're through with this thing, like"},{"speaker":"Kunal Shah","startTime":858.9000000000001,"endTime":862.26,"body":"you said, there are, I remember,"},{"speaker":"Kunal Shah","startTime":858.9000000000001,"endTime":862.26,"body":"you know, within the last decade"},{"speaker":"Kunal Shah","startTime":862.26,"endTime":864.3000000000001,"body":"strong cases of the flu, right."},{"speaker":"Kunal Shah","startTime":864.3000000000001,"endTime":867.1500000000001,"body":"And it was reported and then people"},{"speaker":"Kunal Shah","startTime":864.3000000000001,"endTime":867.1500000000001,"body":"were really, you know, there was,"},{"speaker":"Kunal Shah","startTime":867.87,"endTime":869.37,"body":"you know, the numbers were higher."},{"speaker":"Kunal Shah","startTime":869.58,"endTime":872.5200000000001,"body":"Um, and, and nobody had"},{"speaker":"Kunal Shah","startTime":869.58,"endTime":872.5200000000001,"body":"ever, you know, yeah."},{"speaker":"Kunal Shah","startTime":872.5500000000001,"endTime":876.3000000000001,"body":"People took sick days, but this"},{"speaker":"Kunal Shah","startTime":872.5500000000001,"endTime":876.3000000000001,"body":"conditioning, you know, remote"},{"speaker":"Kunal Shah","startTime":876.3000000000001,"endTime":879.99,"body":"work through the flu season, I"},{"speaker":"Kunal Shah","startTime":876.3000000000001,"endTime":879.99,"body":"I've I've thought about that."},{"speaker":"Kunal Shah","startTime":879.99,"endTime":881.5200000000001,"body":"And I've had employers ask."},{"speaker":"Kunal Shah","startTime":881.88,"endTime":884.46,"body":"You know, the generally what I"},{"speaker":"Kunal Shah","startTime":881.88,"endTime":884.46,"body":"tell employers is you, you kind"},{"speaker":"Kunal Shah","startTime":884.46,"endTime":886.5600000000001,"body":"of have to remember what did you"},{"speaker":"Kunal Shah","startTime":884.46,"endTime":886.5600000000001,"body":"do when you had a flu, right?"},{"speaker":"Kunal Shah","startTime":886.59,"endTime":890.12,"body":"You, you made sure employees, so you"},{"speaker":"Kunal Shah","startTime":886.59,"endTime":890.12,"body":"had any concerns, had the ability"},{"speaker":"Kunal Shah","startTime":890.12,"endTime":894.6500000000001,"body":"to go wash their hands and you had a"},{"speaker":"Kunal Shah","startTime":890.12,"endTime":894.6500000000001,"body":"clean environment and sanitizers, um,"},{"speaker":"Kunal Shah","startTime":894.6800000000001,"endTime":896.2700000000001,"body":"that's what people used to do before."},{"speaker":"Kunal Shah","startTime":896.2700000000001,"endTime":896.87,"body":"COVID right."},{"speaker":"Kunal Shah","startTime":896.87,"endTime":898.22,"body":"I mean, you've washed your hands, right."},{"speaker":"Kunal Shah","startTime":898.49,"endTime":901.25,"body":"Um, but will this open up Pandora's box?"},{"speaker":"Kunal Shah","startTime":901.25,"endTime":903.7700000000001,"body":"Yeah, I totally can envision that."},{"speaker":"Kunal Shah","startTime":903.7700000000001,"endTime":906.74,"body":"And I think, you know, any sort of."},{"speaker":"Kunal Shah","startTime":907.3050000000001,"endTime":911.715,"body":"Seasonal sickness, you know,"},{"speaker":"Kunal Shah","startTime":907.3050000000001,"endTime":911.715,"body":"maybe even allergies, uh, anything"},{"speaker":"Kunal Shah","startTime":911.715,"endTime":915.0450000000001,"body":"that has the ability of, uh, you"},{"speaker":"Kunal Shah","startTime":911.715,"endTime":915.0450000000001,"body":"know, compromising your immune"},{"speaker":"Kunal Shah","startTime":915.0450000000001,"endTime":916.845,"body":"system for a short period of time."},{"speaker":"Kunal Shah","startTime":917.1450000000001,"endTime":921.105,"body":"I think employers are going to be dealing"},{"speaker":"Kunal Shah","startTime":917.1450000000001,"endTime":921.105,"body":"with the pushback and you're going to be"},{"speaker":"Kunal Shah","startTime":921.105,"endTime":926.2950000000001,"body":"dealing with crafty claims that will use"},{"speaker":"Kunal Shah","startTime":921.105,"endTime":926.2950000000001,"body":"this as a precedent, without a doubt."},{"speaker":"Dan Wentz","startTime":927.48,"endTime":928.889,"body":"So let's talk about timing."},{"speaker":"Dan Wentz","startTime":929.13,"endTime":933.57,"body":"When should employers be, uh, you bringing"},{"speaker":"Dan Wentz","startTime":929.13,"endTime":933.57,"body":"people back, when do you think is, you"},{"speaker":"Dan Wentz","startTime":933.57,"endTime":935.1,"body":"know, like how do they figure this out?"},{"speaker":"Dan Wentz","startTime":935.1,"endTime":937.71,"body":"Because obviously this is up to"},{"speaker":"Dan Wentz","startTime":935.1,"endTime":937.71,"body":"every business on their own to,"},{"speaker":"Dan Wentz","startTime":937.84,"endTime":941.6690000000001,"body":"to figure out and figure out the"},{"speaker":"Dan Wentz","startTime":937.84,"endTime":941.6690000000001,"body":"way that is going to keep them,"},{"speaker":"Dan Wentz","startTime":942.48,"endTime":944.7890000000001,"body":"uh, you know, as least liable as"},{"speaker":"Kunal Shah","startTime":944.7890000000001,"endTime":945.4190000000001,"body":"possible."},{"speaker":"Kunal Shah","startTime":945.71,"endTime":946.0390000000001,"body":"Yeah."},{"speaker":"Kunal Shah","startTime":946.1,"endTime":946.37,"body":"Yeah."},{"speaker":"Kunal Shah","startTime":947.36,"endTime":950.36,"body":"You know, um, there's"},{"speaker":"Kunal Shah","startTime":947.36,"endTime":950.36,"body":"no real answer, right?"},{"speaker":"Kunal Shah","startTime":950.36,"endTime":952.07,"body":"It's it's, there's no time table."},{"speaker":"Kunal Shah","startTime":952.1,"endTime":955.0390000000001,"body":"Um, you know, it, you, I think"},{"speaker":"Kunal Shah","startTime":952.1,"endTime":955.0390000000001,"body":"what employers have to do is."},{"speaker":"Kunal Shah","startTime":956.355,"endTime":957.9340000000001,"body":"Think about the numbers, right?"},{"speaker":"Kunal Shah","startTime":957.945,"endTime":960.9140000000001,"body":"You, you look in your market and"},{"speaker":"Kunal Shah","startTime":957.945,"endTime":960.9140000000001,"body":"you say, okay, well they're doing"},{"speaker":"Kunal Shah","startTime":960.9140000000001,"endTime":963.014,"body":"more testing or doing more vaccines."},{"speaker":"Kunal Shah","startTime":963.014,"endTime":963.315,"body":"Okay."},{"speaker":"Kunal Shah","startTime":963.315,"endTime":963.9140000000001,"body":"Let's look at that."},{"speaker":"Kunal Shah","startTime":963.9140000000001,"endTime":965.894,"body":"Are the, you know, are"},{"speaker":"Kunal Shah","startTime":963.9140000000001,"endTime":965.894,"body":"the cases going down?"},{"speaker":"Kunal Shah","startTime":965.894,"endTime":968.024,"body":"And then you can use that as a timetable."},{"speaker":"Kunal Shah","startTime":968.325,"endTime":973.365,"body":"Um, you can, uh, use any kind"},{"speaker":"Kunal Shah","startTime":968.325,"endTime":973.365,"body":"of governmental ordinance of"},{"speaker":"Kunal Shah","startTime":973.365,"endTime":974.8040000000001,"body":"limitations at a timetable."},{"speaker":"Kunal Shah","startTime":974.8040000000001,"endTime":977.0540000000001,"body":"You know, for example, New"},{"speaker":"Kunal Shah","startTime":974.8040000000001,"endTime":977.0540000000001,"body":"York city just opened up."},{"speaker":"Kunal Shah","startTime":977.58,"endTime":981.149,"body":"You know, dining in schools, you"},{"speaker":"Kunal Shah","startTime":977.58,"endTime":981.149,"body":"know, dining 35% indoor in schools"},{"speaker":"Kunal Shah","startTime":981.149,"endTime":982.08,"body":"are going to be opened up soon."},{"speaker":"Kunal Shah","startTime":982.08,"endTime":983.5500000000001,"body":"So that could be a benchmark."},{"speaker":"Kunal Shah","startTime":983.82,"endTime":987.3000000000001,"body":"Um, but you know, we've seen this, right."},{"speaker":"Kunal Shah","startTime":987.3000000000001,"endTime":990.9300000000001,"body":"You know, you do anything too quickly"},{"speaker":"Kunal Shah","startTime":987.3000000000001,"endTime":990.9300000000001,"body":"and you're going to end up paying for it."},{"speaker":"Kunal Shah","startTime":991.2900000000001,"endTime":992.82,"body":"Uh, you could end up paying for it."},{"speaker":"Kunal Shah","startTime":992.94,"endTime":995.85,"body":"It's very different this year"},{"speaker":"Kunal Shah","startTime":992.94,"endTime":995.85,"body":"than let's say last spring or."},{"speaker":"Kunal Shah","startTime":996.51,"endTime":1001.19,"body":"Summer because we've got the"},{"speaker":"Kunal Shah","startTime":996.51,"endTime":1001.19,"body":"vaccine and it seems to be"},{"speaker":"Kunal Shah","startTime":1001.19,"endTime":1003.5600000000001,"body":"rolling out somewhat quickly now."},{"speaker":"Kunal Shah","startTime":1003.59,"endTime":1006.47,"body":"Um, you know, so w when"},{"speaker":"Kunal Shah","startTime":1003.59,"endTime":1006.47,"body":"is the perfect time?"},{"speaker":"Kunal Shah","startTime":1007.87,"endTime":1008.47,"body":"I don't know."},{"speaker":"Kunal Shah","startTime":1009.01,"endTime":1013.7800000000001,"body":"No one knows, you know, I, I think the"},{"speaker":"Kunal Shah","startTime":1009.01,"endTime":1013.7800000000001,"body":"best thing to do is if you have employees"},{"speaker":"Kunal Shah","startTime":1013.84,"endTime":1018.34,"body":"who have shown you, they can work remotely"},{"speaker":"Kunal Shah","startTime":1013.84,"endTime":1018.34,"body":"and are open to it working remotely."},{"speaker":"Kunal Shah","startTime":1018.34,"endTime":1021.4000000000001,"body":"It may not have, you know, kids running"},{"speaker":"Kunal Shah","startTime":1018.34,"endTime":1021.4000000000001,"body":"around and they're okay with it."},{"speaker":"Kunal Shah","startTime":1022.1800000000001,"endTime":1026.57,"body":"Allow employees maybe to make the chance"},{"speaker":"Kunal Shah","startTime":1022.1800000000001,"endTime":1026.57,"body":"so they can mitigate the are less than"},{"speaker":"Kunal Shah","startTime":1026.57,"endTime":1028.1299999999999,"body":"the amount of people in the office."},{"speaker":"Kunal Shah","startTime":1028.1299999999999,"endTime":1028.34,"body":"Right."},{"speaker":"Kunal Shah","startTime":1028.34,"endTime":1032.269,"body":"If you've got a workforce at 50 people,"},{"speaker":"Kunal Shah","startTime":1028.34,"endTime":1032.269,"body":"but you know, on a floor and the 20"},{"speaker":"Kunal Shah","startTime":1032.269,"endTime":1033.649,"body":"of them are fine working from home."},{"speaker":"Kunal Shah","startTime":1034.1,"endTime":1035.09,"body":"You know what, let them work from home."},{"speaker":"Kunal Shah","startTime":1035.42,"endTime":1035.66,"body":"You know?"},{"speaker":"Kunal Shah","startTime":1035.66,"endTime":1035.84,"body":"Cause"},{"speaker":"Kunal Shah","startTime":1035.84,"endTime":1040.9,"body":"then those 30 people will"},{"speaker":"Kunal Shah","startTime":1035.84,"endTime":1040.9,"body":"have a bigger space to operate in and"},{"speaker":"Kunal Shah","startTime":1041.09,"endTime":1044.9,"body":"won't have to fear, you know, five people"},{"speaker":"Kunal Shah","startTime":1041.09,"endTime":1044.9,"body":"in an elevator or whatever it may be."},{"speaker":"Kunal Shah","startTime":1044.9,"endTime":1047.93,"body":"So, I mean, we're not out of this yet."},{"speaker":"Kunal Shah","startTime":1047.93,"endTime":1051.079,"body":"I think people need to, we're"},{"speaker":"Kunal Shah","startTime":1047.93,"endTime":1051.079,"body":"close and it's exciting."},{"speaker":"Kunal Shah","startTime":1051.079,"endTime":1053.329,"body":"And when the weather's nicer,"},{"speaker":"Kunal Shah","startTime":1051.079,"endTime":1053.329,"body":"you just want to go out there."},{"speaker":"Kunal Shah","startTime":1053.329,"endTime":1053.66,"body":"Right."},{"speaker":"Kunal Shah","startTime":1053.96,"endTime":1059.549,"body":"But, um, Uh, I would say if you"},{"speaker":"Kunal Shah","startTime":1053.96,"endTime":1059.549,"body":"can mitigate the risk of returning"},{"speaker":"Kunal Shah","startTime":1059.549,"endTime":1062.5800000000002,"body":"everyone to work and it doesn't"},{"speaker":"Kunal Shah","startTime":1059.549,"endTime":1062.5800000000002,"body":"affect your productivity or bottom"},{"speaker":"Kunal Shah","startTime":1062.5800000000002,"endTime":1064.98,"body":"line, then, then keep people remote."},{"speaker":"Kunal Shah","startTime":1065.93,"endTime":1066.17,"body":"Okay."},{"speaker":"Kunal Shah","startTime":1066.17,"endTime":1066.68,"body":"So that's all"},{"speaker":"Dan Wentz","startTime":1066.68,"endTime":1067.67,"body":"the legal end of it."},{"speaker":"Dan Wentz","startTime":1067.8500000000001,"endTime":1070.43,"body":"Uh, let's talk about the"},{"speaker":"Dan Wentz","startTime":1067.8500000000001,"endTime":1070.43,"body":"insurance a little bit here, Mark."},{"speaker":"Dan Wentz","startTime":1070.46,"endTime":1073.73,"body":"Um, so how are carriers"},{"speaker":"Dan Wentz","startTime":1070.46,"endTime":1073.73,"body":"looking at this right now?"},{"speaker":"Dan Wentz","startTime":1073.73,"endTime":1076.7,"body":"I mean, obviously they've got"},{"speaker":"Dan Wentz","startTime":1073.73,"endTime":1076.7,"body":"a, a cautious eye with everybody"},{"speaker":"Dan Wentz","startTime":1076.7,"endTime":1078.29,"body":"about to return to work, right?"},{"speaker":"Dan Wentz","startTime":1078.29,"endTime":1080.3600000000001,"body":"There's a lot of risk out there."},{"speaker":"Dan Wentz","startTime":1080.51,"endTime":1084.1090000000002,"body":"Um, How's that, uh, how"},{"speaker":"Dan Wentz","startTime":1080.51,"endTime":1084.1090000000002,"body":"are they viewing it?"},{"speaker":"Dan Wentz","startTime":1084.1090000000002,"endTime":1084.98,"body":"What are you hearing?"},{"speaker":"Dan Wentz","startTime":1084.98,"endTime":1087.26,"body":"And, and, you know, what"},{"speaker":"Dan Wentz","startTime":1084.98,"endTime":1087.26,"body":"are your thoughts on that?"},{"speaker":"Dan Wentz","startTime":1087.76,"endTime":1088.03,"body":"We've"},{"speaker":"Mark Waldeck","startTime":1088.03,"endTime":1092.65,"body":"yet to see direct or"},{"speaker":"Mark Waldeck","startTime":1088.03,"endTime":1092.65,"body":"explicit exclusions to take away"},{"speaker":"Mark Waldeck","startTime":1092.65,"endTime":1095.829,"body":"coverage related to a COVID type event."},{"speaker":"Mark Waldeck","startTime":1096.31,"endTime":1098.68,"body":"So in a perfect world, I think"},{"speaker":"Mark Waldeck","startTime":1096.31,"endTime":1098.68,"body":"they'd be already attaching them."},{"speaker":"Mark Waldeck","startTime":1098.68,"endTime":1099.94,"body":"We've not seen them yet."},{"speaker":"Mark Waldeck","startTime":1099.94,"endTime":1100.42,"body":"Really."},{"speaker":"Mark Waldeck","startTime":1101.05,"endTime":1106.3,"body":"Um, I think the first communicable"},{"speaker":"Mark Waldeck","startTime":1101.05,"endTime":1106.3,"body":"disease exclusion I've seen appeared"},{"speaker":"Mark Waldeck","startTime":1106.3,"endTime":1109.81,"body":"after one, one, but it's, I've only seen"},{"speaker":"Mark Waldeck","startTime":1106.3,"endTime":1109.81,"body":"it on one or two policies and those were."},{"speaker":"Mark Waldeck","startTime":1110.27,"endTime":1114.17,"body":"Very case specific, they"},{"speaker":"Mark Waldeck","startTime":1110.27,"endTime":1114.17,"body":"weren't across the board."},{"speaker":"Mark Waldeck","startTime":1114.6200000000001,"endTime":1121.4,"body":"Um, and even then how, um, robust is that"},{"speaker":"Mark Waldeck","startTime":1114.6200000000001,"endTime":1121.4,"body":"exclusion and if it were challenged in a"},{"speaker":"Mark Waldeck","startTime":1121.4,"endTime":1123.6200000000001,"body":"legal setting, would it, would it hold up?"},{"speaker":"Mark Waldeck","startTime":1123.8,"endTime":1124.31,"body":"I don't know."},{"speaker":"Mark Waldeck","startTime":1124.73,"endTime":1128.0900000000001,"body":"Um, so I think that's a big issue"},{"speaker":"Mark Waldeck","startTime":1124.73,"endTime":1128.0900000000001,"body":"in the marketplace is the carriers"},{"speaker":"Mark Waldeck","startTime":1128.0900000000001,"endTime":1131.72,"body":"would love to be able to try and put"},{"speaker":"Mark Waldeck","startTime":1128.0900000000001,"endTime":1131.72,"body":"a fence around the exposure or they"},{"speaker":"Mark Waldeck","startTime":1131.72,"endTime":1133.19,"body":"just haven't figured out how to do it."},{"speaker":"Mark Waldeck","startTime":1133.64,"endTime":1137.45,"body":"I think the more likely reaction"},{"speaker":"Mark Waldeck","startTime":1133.64,"endTime":1137.45,"body":"will be probably a supplement."},{"speaker":"Mark Waldeck","startTime":1138.1090000000002,"endTime":1140.53,"body":"If they have to position."},{"speaker":"Mark Waldeck","startTime":1140.99,"endTime":1142.7,"body":"They'll try and do it"},{"speaker":"Mark Waldeck","startTime":1140.99,"endTime":1142.7,"body":"through a supplement."},{"speaker":"Mark Waldeck","startTime":1142.7,"endTime":1148.22,"body":"So there is no exclusion that can"},{"speaker":"Mark Waldeck","startTime":1142.7,"endTime":1148.22,"body":"be tested, uh, uh, via good, good"},{"speaker":"Mark Waldeck","startTime":1148.22,"endTime":1150.3500000000001,"body":"results or bad result at the end."},{"speaker":"Mark Waldeck","startTime":1150.8600000000001,"endTime":1154.67,"body":"Um, if you put in a sub limit, then"},{"speaker":"Mark Waldeck","startTime":1150.8600000000001,"endTime":1154.67,"body":"you pay out a couple hundred grand"},{"speaker":"Mark Waldeck","startTime":1154.67,"endTime":1159.14,"body":"and you're done, and it's a, it's an"},{"speaker":"Mark Waldeck","startTime":1154.67,"endTime":1159.14,"body":"easy way to sidestep the whole issue."},{"speaker":"Mark Waldeck","startTime":1159.5900000000001,"endTime":1159.95,"body":"So."},{"speaker":"Mark Waldeck","startTime":1160.18,"endTime":1165.55,"body":"But I, I think to digress back to"},{"speaker":"Mark Waldeck","startTime":1160.18,"endTime":1165.55,"body":"what we were just discussing the"},{"speaker":"Mark Waldeck","startTime":1165.55,"endTime":1169.78,"body":"whole idea of bringing employees back"},{"speaker":"Mark Waldeck","startTime":1165.55,"endTime":1169.78,"body":"in, you have not only the physical"},{"speaker":"Mark Waldeck","startTime":1169.78,"endTime":1174.49,"body":"aspect, but I'd call the emotional"},{"speaker":"Mark Waldeck","startTime":1169.78,"endTime":1174.49,"body":"side, which canal sort of touched on."},{"speaker":"Mark Waldeck","startTime":1175.06,"endTime":1182.5,"body":"So is the emotional distress"},{"speaker":"Mark Waldeck","startTime":1175.06,"endTime":1182.5,"body":"and anxiety that comes with that"},{"speaker":"Mark Waldeck","startTime":1182.53,"endTime":1187.599,"body":"demand that return to work, order"},{"speaker":"Mark Waldeck","startTime":1182.53,"endTime":1187.599,"body":"enough to trigger an EPL event."},{"speaker":"Mark Waldeck","startTime":1188.195,"endTime":1190.685,"body":"Um, I don't know."},{"speaker":"Mark Waldeck","startTime":1190.805,"endTime":1193.895,"body":"Uh, I'm throwing it out there since"},{"speaker":"Mark Waldeck","startTime":1190.805,"endTime":1193.895,"body":"I have a lawyer on the, on the five."},{"speaker":"Kunal Shah","startTime":1195.565,"endTime":1199.555,"body":"No, for a fact that"},{"speaker":"Kunal Shah","startTime":1195.565,"endTime":1199.555,"body":"you're going to see, um, I have a"},{"speaker":"Kunal Shah","startTime":1199.555,"endTime":1201.325,"body":"fear of contracting the disease."},{"speaker":"Kunal Shah","startTime":1201.325,"endTime":1202.885,"body":"I have documented anxiety."},{"speaker":"Kunal Shah","startTime":1203.365,"endTime":1208.0140000000001,"body":"Anxiety is very well-documented now it's"},{"speaker":"Kunal Shah","startTime":1203.365,"endTime":1208.0140000000001,"body":"it's, you know, people take people, treat"},{"speaker":"Kunal Shah","startTime":1208.0140000000001,"endTime":1210.925,"body":"for people, you know, sequence for it."},{"speaker":"Kunal Shah","startTime":1211.31,"endTime":1214.64,"body":"Um, and you know, there's case"},{"speaker":"Kunal Shah","startTime":1211.31,"endTime":1214.64,"body":"law that says that's a, that's"},{"speaker":"Kunal Shah","startTime":1214.64,"endTime":1215.96,"body":"a disability under the ADA."},{"speaker":"Kunal Shah","startTime":1216.2,"endTime":1217.94,"body":"So that will trigger ADA claims."},{"speaker":"Kunal Shah","startTime":1218.089,"endTime":1218.42,"body":"Right."},{"speaker":"Kunal Shah","startTime":1218.45,"endTime":1220.8790000000001,"body":"You know, if somebody is terminated"},{"speaker":"Kunal Shah","startTime":1218.45,"endTime":1220.8790000000001,"body":"because they refuse to come into"},{"speaker":"Kunal Shah","startTime":1220.8790000000001,"endTime":1224.0,"body":"work because of their fear of COVID."},{"speaker":"Kunal Shah","startTime":1224.3,"endTime":1227.27,"body":"Um, and an employer says, well,"},{"speaker":"Kunal Shah","startTime":1224.3,"endTime":1227.27,"body":"you know, that's, that's not a real"},{"speaker":"Kunal Shah","startTime":1227.27,"endTime":1232.01,"body":"disability or questions and disability,"},{"speaker":"Kunal Shah","startTime":1227.27,"endTime":1232.01,"body":"or maybe, um, you know, the paperwork"},{"speaker":"Kunal Shah","startTime":1232.01,"endTime":1235.6090000000002,"body":"is not enough for the employers"},{"speaker":"Kunal Shah","startTime":1232.01,"endTime":1235.6090000000002,"body":"liking, you know, or maybe they don't"},{"speaker":"Kunal Shah","startTime":1235.6090000000002,"endTime":1237.14,"body":"even engage in their interactive."},{"speaker":"Kunal Shah","startTime":1237.4850000000001,"endTime":1238.055,"body":"Process."},{"speaker":"Kunal Shah","startTime":1238.385,"endTime":1239.615,"body":"Um, yeah."},{"speaker":"Kunal Shah","startTime":1239.645,"endTime":1241.295,"body":"You know, that can implicate that as well."},{"speaker":"Kunal Shah","startTime":1241.565,"endTime":1244.355,"body":"Um, you're going to see a lot of"},{"speaker":"Kunal Shah","startTime":1241.565,"endTime":1244.355,"body":"that debt steer that, you know, I"},{"speaker":"Kunal Shah","startTime":1244.355,"endTime":1246.875,"body":"can't sleep at night because I'm"},{"speaker":"Kunal Shah","startTime":1244.355,"endTime":1246.875,"body":"really fearful that I'll inject"},{"speaker":"Kunal Shah","startTime":1246.875,"endTime":1249.335,"body":"myself and my family and my employer."},{"speaker":"Kunal Shah","startTime":1249.335,"endTime":1252.275,"body":"I asked them to work from home and I've"},{"speaker":"Kunal Shah","startTime":1249.335,"endTime":1252.275,"body":"been working from home this whole time."},{"speaker":"Kunal Shah","startTime":1252.275,"endTime":1256.9850000000001,"body":"So clearly there's no undue hardship"},{"speaker":"Kunal Shah","startTime":1252.275,"endTime":1256.9850000000001,"body":"to the employer to allow this to happen"},{"speaker":"Kunal Shah","startTime":1256.9850000000001,"endTime":1259.085,"body":"just a little bit, you know, allowed"},{"speaker":"Kunal Shah","startTime":1256.9850000000001,"endTime":1259.085,"body":"it happened a little bit longer."},{"speaker":"Kunal Shah","startTime":1259.085,"endTime":1262.115,"body":"So therefore, you know, I'm"},{"speaker":"Kunal Shah","startTime":1259.085,"endTime":1262.115,"body":"being discriminated against"},{"speaker":"Kunal Shah","startTime":1262.115,"endTime":1263.675,"body":"because I have anxiety."},{"speaker":"Kunal Shah","startTime":1263.765,"endTime":1265.115,"body":"So a hundred percent."},{"speaker":"Kunal Shah","startTime":1265.49,"endTime":1266.99,"body":"We will see those claims."},{"speaker":"Kunal Shah","startTime":1267.41,"endTime":1271.22,"body":"Um, for the next two years, I"},{"speaker":"Kunal Shah","startTime":1267.41,"endTime":1271.22,"body":"know what's going to happen."},{"speaker":"Kunal Shah","startTime":1271.4,"endTime":1274.8500000000001,"body":"And then you're going to have the"},{"speaker":"Kunal Shah","startTime":1271.4,"endTime":1274.8500000000001,"body":"legitimate claims where, um, you know,"},{"speaker":"Kunal Shah","startTime":1274.8500000000001,"endTime":1280.64,"body":"somebody may have real documented, uh,"},{"speaker":"Kunal Shah","startTime":1274.8500000000001,"endTime":1280.64,"body":"you know, like with the blood disorder I"},{"speaker":"Kunal Shah","startTime":1280.64,"endTime":1285.8600000000001,"body":"talked about or anything, uh, you know,"},{"speaker":"Kunal Shah","startTime":1280.64,"endTime":1285.8600000000001,"body":"disease or underlying condition where"},{"speaker":"Kunal Shah","startTime":1285.8600000000001,"endTime":1290.8700000000001,"body":"they really just kind of kept at home and"},{"speaker":"Kunal Shah","startTime":1285.8600000000001,"endTime":1290.8700000000001,"body":"away from, uh, even the possibility of it."},{"speaker":"Kunal Shah","startTime":1291.2440000000001,"endTime":1296.704,"body":"Um, it's, it's interesting because a"},{"speaker":"Kunal Shah","startTime":1291.2440000000001,"endTime":1296.704,"body":"lot of employers are trained and the"},{"speaker":"Kunal Shah","startTime":1296.704,"endTime":1301.175,"body":"interactive process and, and providing"},{"speaker":"Kunal Shah","startTime":1296.704,"endTime":1301.175,"body":"reasonable and reasonable accommodations"},{"speaker":"Kunal Shah","startTime":1301.655,"endTime":1306.304,"body":"for disabilities that they can see, or"},{"speaker":"Kunal Shah","startTime":1301.655,"endTime":1306.304,"body":"that are obvious or, you know, okay,"},{"speaker":"Kunal Shah","startTime":1306.304,"endTime":1310.145,"body":"well, this person's going through,"},{"speaker":"Kunal Shah","startTime":1306.304,"endTime":1310.145,"body":"you know, kidney failure, you know,"},{"speaker":"Kunal Shah","startTime":1310.145,"endTime":1311.945,"body":"obviously we're going to accommodate them."},{"speaker":"Kunal Shah","startTime":1311.945,"endTime":1312.185,"body":"Right."},{"speaker":"Kunal Shah","startTime":1312.185,"endTime":1315.7540000000001,"body":"Employers, you know, there's someone"},{"speaker":"Kunal Shah","startTime":1312.185,"endTime":1315.7540000000001,"body":"there sort of trained to identify."},{"speaker":"Kunal Shah","startTime":1316.535,"endTime":1320.285,"body":"Real disabilities in the traditional"},{"speaker":"Kunal Shah","startTime":1316.535,"endTime":1320.285,"body":"sense of something where somebody is"},{"speaker":"Kunal Shah","startTime":1320.285,"endTime":1322.595,"body":"clearly sick or offered or impaired."},{"speaker":"Kunal Shah","startTime":1323.105,"endTime":1328.295,"body":"Um, this is going to open up a whole"},{"speaker":"Kunal Shah","startTime":1323.105,"endTime":1328.295,"body":"different set of circumstances where"},{"speaker":"Kunal Shah","startTime":1328.355,"endTime":1332.585,"body":"people will have a legitimate fear of"},{"speaker":"Kunal Shah","startTime":1328.355,"endTime":1332.585,"body":"infecting themselves or their families."},{"speaker":"Kunal Shah","startTime":1332.585,"endTime":1336.395,"body":"And, and, um, you know, this is"},{"speaker":"Kunal Shah","startTime":1332.585,"endTime":1336.395,"body":"something that they probably can"},{"speaker":"Kunal Shah","startTime":1336.395,"endTime":1339.035,"body":"treat for and dare within, you"},{"speaker":"Kunal Shah","startTime":1336.395,"endTime":1339.035,"body":"know, with the doctor for anxiety."},{"speaker":"Kunal Shah","startTime":1339.47,"endTime":1341.06,"body":"Um, so that that's going to happen."},{"speaker":"Kunal Shah","startTime":1341.06,"endTime":1344.69,"body":"And I was thinking about, you"},{"speaker":"Kunal Shah","startTime":1341.06,"endTime":1344.69,"body":"know, it's, I don't, I, there's"},{"speaker":"Kunal Shah","startTime":1344.69,"endTime":1347.72,"body":"no way to carve up those claims"},{"speaker":"Kunal Shah","startTime":1344.69,"endTime":1347.72,"body":"because they're all ADA, right?"},{"speaker":"Kunal Shah","startTime":1347.75,"endTime":1350.8700000000001,"body":"I mean, it's, it's, those are your,"},{"speaker":"Kunal Shah","startTime":1347.75,"endTime":1350.8700000000001,"body":"those are your, you know, kind"},{"speaker":"Kunal Shah","startTime":1350.8700000000001,"endTime":1352.49,"body":"of, you know, ADA and race, right."},{"speaker":"Kunal Shah","startTime":1352.49,"endTime":1357.1100000000001,"body":"I mean, when it comes to EPL claims, those"},{"speaker":"Kunal Shah","startTime":1352.49,"endTime":1357.1100000000001,"body":"are, you know, like EOC statistics always"},{"speaker":"Kunal Shah","startTime":1357.1100000000001,"endTime":1359.8,"body":"has those as you know, pretty high on the"},{"speaker":"Mark Waldeck","startTime":1359.8,"endTime":1361.03,"body":"vaccination front."},{"speaker":"Mark Waldeck","startTime":1361.21,"endTime":1367.27,"body":"Is there any reason why an"},{"speaker":"Mark Waldeck","startTime":1361.21,"endTime":1367.27,"body":"employer cannot force there?"},{"speaker":"Mark Waldeck","startTime":1367.76,"endTime":1371.6000000000001,"body":"Workforce that's returning to all"},{"speaker":"Mark Waldeck","startTime":1367.76,"endTime":1371.6000000000001,"body":"be a hundred percent vaccinated."},{"speaker":"Mark Waldeck","startTime":1371.6000000000001,"endTime":1376.79,"body":"And then if we do make that mandate,"},{"speaker":"Mark Waldeck","startTime":1371.6000000000001,"endTime":1376.79,"body":"does that again, create a precedent"},{"speaker":"Mark Waldeck","startTime":1376.79,"endTime":1378.29,"body":"that next year I'd slow season."},{"speaker":"Mark Waldeck","startTime":1378.29,"endTime":1380.0900000000001,"body":"You have to get a flu shot"},{"speaker":"Mark Waldeck","startTime":1378.29,"endTime":1380.0900000000001,"body":"before you can come back."},{"speaker":"Kunal Shah","startTime":1381.935,"endTime":1382.265,"body":"Yeah."},{"speaker":"Kunal Shah","startTime":1382.295,"endTime":1386.515,"body":"So one, you know what employers are"},{"speaker":"Kunal Shah","startTime":1382.295,"endTime":1386.515,"body":"allowed and there's, there's actually,"},{"speaker":"Kunal Shah","startTime":1386.515,"endTime":1387.954,"body":"you'll see guidance on this now, too."},{"speaker":"Kunal Shah","startTime":1387.9850000000001,"endTime":1390.714,"body":"Employers are allowed to mandate"},{"speaker":"Kunal Shah","startTime":1387.9850000000001,"endTime":1390.714,"body":"the vaccine and a lot of people"},{"speaker":"Kunal Shah","startTime":1390.714,"endTime":1392.935,"body":"take a step back and say, well,"},{"speaker":"Kunal Shah","startTime":1390.714,"endTime":1392.935,"body":"that seems really intrusive."},{"speaker":"Kunal Shah","startTime":1393.2350000000001,"endTime":1394.945,"body":"Again, it's business necessity."},{"speaker":"Kunal Shah","startTime":1395.185,"endTime":1397.855,"body":"We're we're, we're, we're"},{"speaker":"Kunal Shah","startTime":1395.185,"endTime":1397.855,"body":"living in unprecedented times."},{"speaker":"Kunal Shah","startTime":1398.125,"endTime":1403.175,"body":"Uh, the, the, the exceptions there"},{"speaker":"Kunal Shah","startTime":1398.125,"endTime":1403.175,"body":"are, um, You know, if somebody is"},{"speaker":"Kunal Shah","startTime":1403.175,"endTime":1407.075,"body":"allergic to the vaccine obviously, or"},{"speaker":"Kunal Shah","startTime":1403.175,"endTime":1407.075,"body":"the vaccine would cause them harm that"},{"speaker":"Kunal Shah","startTime":1407.075,"endTime":1410.315,"body":"could potentially kill them or something"},{"speaker":"Kunal Shah","startTime":1407.075,"endTime":1410.315,"body":"like that, those kinds of medical"},{"speaker":"Kunal Shah","startTime":1410.315,"endTime":1414.034,"body":"conditions, there are, you know, you can"},{"speaker":"Kunal Shah","startTime":1410.315,"endTime":1414.034,"body":"not compel somebody who has legitimate"},{"speaker":"Kunal Shah","startTime":1414.034,"endTime":1418.2640000000001,"body":"disability, uh, or has a condition"},{"speaker":"Kunal Shah","startTime":1414.034,"endTime":1418.2640000000001,"body":"that can be worsened by the vaccine."},{"speaker":"Kunal Shah","startTime":1418.805,"endTime":1421.5040000000001,"body":"It's yet to be it's"},{"speaker":"Kunal Shah","startTime":1418.805,"endTime":1421.5040000000001,"body":"actually yet to be seen."},{"speaker":"Kunal Shah","startTime":1421.565,"endTime":1424.204,"body":"Um, there, there aren't many,"},{"speaker":"Kunal Shah","startTime":1421.565,"endTime":1424.204,"body":"you know, I know there's a good"},{"speaker":"Kunal Shah","startTime":1424.204,"endTime":1425.675,"body":"research out there that people on."},{"speaker":"Kunal Shah","startTime":1426.005,"endTime":1430.7450000000001,"body":"Some therapeutics for cancer or,"},{"speaker":"Kunal Shah","startTime":1426.005,"endTime":1430.7450000000001,"body":"you know, uh, major diseases,"},{"speaker":"Kunal Shah","startTime":1430.775,"endTime":1432.335,"body":"uh, should not begin the vaccine."},{"speaker":"Kunal Shah","startTime":1432.845,"endTime":1436.625,"body":"Um, and then there's this, you"},{"speaker":"Kunal Shah","startTime":1432.845,"endTime":1436.625,"body":"know, another gray area of religious"},{"speaker":"Kunal Shah","startTime":1436.625,"endTime":1440.825,"body":"beliefs, uh, you know, there are"},{"speaker":"Kunal Shah","startTime":1436.625,"endTime":1440.825,"body":"certain religions that, uh, don't"},{"speaker":"Kunal Shah","startTime":1440.825,"endTime":1442.265,"body":"allow you to get vaccinated."},{"speaker":"Kunal Shah","startTime":1442.565,"endTime":1447.005,"body":"Um, so then employee, you know, it's"},{"speaker":"Kunal Shah","startTime":1442.565,"endTime":1447.005,"body":"already a out as set by the EOC that if"},{"speaker":"Kunal Shah","startTime":1447.065,"endTime":1450.9650000000001,"body":"the employee has a bonafide religious"},{"speaker":"Kunal Shah","startTime":1447.065,"endTime":1450.9650000000001,"body":"belief, uh, then they also don't"},{"speaker":"Kunal Shah","startTime":1450.9650000000001,"endTime":1452.405,"body":"have to get the vaccine and they can."},{"speaker":"Kunal Shah","startTime":1452.75,"endTime":1455.48,"body":"They, you know, their employers"},{"speaker":"Kunal Shah","startTime":1452.75,"endTime":1455.48,"body":"need to accommodate that as"},{"speaker":"Kunal Shah","startTime":1455.48,"endTime":1457.099,"body":"a, you know, an exception."},{"speaker":"Kunal Shah","startTime":1457.43,"endTime":1462.23,"body":"So, um, first, yeah, I mean, I would say"},{"speaker":"Kunal Shah","startTime":1457.43,"endTime":1462.23,"body":"those two, you know, religious and medical"},{"speaker":"Kunal Shah","startTime":1462.23,"endTime":1466.07,"body":"condition, those are the exceptions to"},{"speaker":"Kunal Shah","startTime":1462.23,"endTime":1466.07,"body":"a mandate for a vaccine for an employer."},{"speaker":"Kunal Shah","startTime":1466.3700000000001,"endTime":1470.39,"body":"Um, but again, yeah, like you"},{"speaker":"Kunal Shah","startTime":1466.3700000000001,"endTime":1470.39,"body":"said, I mean, is this Pandora's"},{"speaker":"Kunal Shah","startTime":1470.39,"endTime":1473.72,"body":"box, is this going to be, is this"},{"speaker":"Kunal Shah","startTime":1470.39,"endTime":1473.72,"body":"going to go into flu vaccine?"},{"speaker":"Kunal Shah","startTime":1474.02,"endTime":1474.5,"body":"Right."},{"speaker":"Kunal Shah","startTime":1474.56,"endTime":1477.349,"body":"Hey, you know, w w we just"},{"speaker":"Kunal Shah","startTime":1474.56,"endTime":1477.349,"body":"want to keep everyone safe."},{"speaker":"Kunal Shah","startTime":1477.3700000000001,"endTime":1480.02,"body":"How do we know whether it's"},{"speaker":"Kunal Shah","startTime":1477.3700000000001,"endTime":1480.02,"body":"the flu or COVID right."},{"speaker":"Kunal Shah","startTime":1480.14,"endTime":1483.8,"body":"I mean, You know, uh, there's enough"},{"speaker":"Kunal Shah","startTime":1480.14,"endTime":1483.8,"body":"literature out that it said COVID my, my"},{"speaker":"Kunal Shah","startTime":1483.8,"endTime":1486.29,"body":"last forever in some form or sentence."},{"speaker":"Kunal Shah","startTime":1486.29,"endTime":1486.56,"body":"Right?"},{"speaker":"Kunal Shah","startTime":1486.56,"endTime":1490.13,"body":"So what's what's to tell your"},{"speaker":"Kunal Shah","startTime":1486.56,"endTime":1490.13,"body":"employees not to get the flu vaccine"},{"speaker":"Kunal Shah","startTime":1490.4,"endTime":1493.19,"body":"out of you, do you figure that one?"},{"speaker":"Kunal Shah","startTime":1493.19,"endTime":1495.079,"body":"It's it's gotta be a mess."},{"speaker":"Kunal Shah","startTime":1496.7440000000001,"endTime":1497.945,"body":"Yeah, the whole thing has been"},{"speaker":"Dan Wentz","startTime":1497.945,"endTime":1498.214,"body":"a mess."},{"speaker":"Dan Wentz","startTime":1498.214,"endTime":1499.115,"body":"Let's be honest."},{"speaker":"Kunal Shah","startTime":1499.145,"endTime":1501.665,"body":"Uh, I mean, it really has"},{"speaker":"Dan Wentz","startTime":1502.445,"endTime":1506.974,"body":"a Mark, so, so what are you,"},{"speaker":"Dan Wentz","startTime":1502.445,"endTime":1506.974,"body":"what are we talking to agents about now?"},{"speaker":"Dan Wentz","startTime":1507.0040000000001,"endTime":1510.095,"body":"Like how are we covering this"},{"speaker":"Dan Wentz","startTime":1507.0040000000001,"endTime":1510.095,"body":"with our agents and how are we"},{"speaker":"Dan Wentz","startTime":1510.125,"endTime":1511.925,"body":"counseling them as they move forward?"},{"speaker":"Mark Waldeck","startTime":1512.724,"endTime":1515.845,"body":"Um, well, I always"},{"speaker":"Mark Waldeck","startTime":1512.724,"endTime":1515.845,"body":"tell them, uh, get your, get your"},{"speaker":"Mark Waldeck","startTime":1515.845,"endTime":1519.055,"body":"legal advice upfront early and"},{"speaker":"Mark Waldeck","startTime":1515.845,"endTime":1519.055,"body":"often since they're the ones that"},{"speaker":"Mark Waldeck","startTime":1519.055,"endTime":1520.285,"body":"are really going to drive the bus."},{"speaker":"Mark Waldeck","startTime":1520.88,"endTime":1526.31,"body":"Um, w what we've been encouraging,"},{"speaker":"Mark Waldeck","startTime":1520.88,"endTime":1526.31,"body":"all of our retailers to do is to get"},{"speaker":"Mark Waldeck","startTime":1526.31,"endTime":1531.26,"body":"those EPL quotes early, and then, uh,"},{"speaker":"Mark Waldeck","startTime":1526.31,"endTime":1531.26,"body":"hopefully lock them up early as well."},{"speaker":"Mark Waldeck","startTime":1531.53,"endTime":1535.88,"body":"So that is the market continues to"},{"speaker":"Mark Waldeck","startTime":1531.53,"endTime":1535.88,"body":"shift and move probably in a negative,"},{"speaker":"Mark Waldeck","startTime":1536.15,"endTime":1540.5,"body":"uh, at a negative rates, right against"},{"speaker":"Mark Waldeck","startTime":1536.15,"endTime":1540.5,"body":"us, uh, that we already have terms and"},{"speaker":"Mark Waldeck","startTime":1540.5,"endTime":1541.97,"body":"conditions that are more favorable."},{"speaker":"Mark Waldeck","startTime":1542.445,"endTime":1546.105,"body":"Um, so I think waiting to the last"},{"speaker":"Mark Waldeck","startTime":1542.445,"endTime":1546.105,"body":"minute is never good, even in a soft"},{"speaker":"Mark Waldeck","startTime":1546.105,"endTime":1547.785,"body":"market, but in a hard market, definitely."},{"speaker":"Mark Waldeck","startTime":1547.785,"endTime":1548.7450000000001,"body":"You don't want to be doing that."},{"speaker":"Mark Waldeck","startTime":1549.315,"endTime":1555.285,"body":"Um, I would look carefully at probably"},{"speaker":"Mark Waldeck","startTime":1549.315,"endTime":1555.285,"body":"the, um, demographics of your workforce."},{"speaker":"Mark Waldeck","startTime":1555.315,"endTime":1558.375,"body":"Not that there's anything you can do"},{"speaker":"Mark Waldeck","startTime":1555.315,"endTime":1558.375,"body":"about it, but if I were an employer"},{"speaker":"Mark Waldeck","startTime":1558.375,"endTime":1559.695,"body":"and I was getting ready to buy some."},{"speaker":"Mark Waldeck","startTime":1560.52,"endTime":1562.5900000000001,"body":"Insurance for any number of reasons."},{"speaker":"Mark Waldeck","startTime":1562.5900000000001,"endTime":1566.28,"body":"I I'd probably want to figure out"},{"speaker":"Mark Waldeck","startTime":1562.5900000000001,"endTime":1566.28,"body":"who fits into what buckets, how"},{"speaker":"Mark Waldeck","startTime":1566.28,"endTime":1569.64,"body":"many people do I have that need"},{"speaker":"Mark Waldeck","startTime":1566.28,"endTime":1569.64,"body":"reasonable medical accommodations?"},{"speaker":"Mark Waldeck","startTime":1569.97,"endTime":1574.2,"body":"How many people do I have that"},{"speaker":"Mark Waldeck","startTime":1569.97,"endTime":1574.2,"body":"meet a certain demographics that"},{"speaker":"Mark Waldeck","startTime":1574.2,"endTime":1578.46,"body":"are more high risk and it could be"},{"speaker":"Mark Waldeck","startTime":1574.2,"endTime":1578.46,"body":"religious city or could be just age."},{"speaker":"Mark Waldeck","startTime":1578.79,"endTime":1582.48,"body":"Now you're not using that as a way to"},{"speaker":"Mark Waldeck","startTime":1578.79,"endTime":1582.48,"body":"discriminate against your workforce,"},{"speaker":"Mark Waldeck","startTime":1582.48,"endTime":1585.63,"body":"but you're using it as a way to"},{"speaker":"Mark Waldeck","startTime":1582.48,"endTime":1585.63,"body":"sort of handicap what your exposure"},{"speaker":"Mark Waldeck","startTime":1585.63,"endTime":1587.64,"body":"is now, because if you have a."},{"speaker":"Mark Waldeck","startTime":1588.0,"endTime":1589.0800000000002,"body":"Elderly workforce."},{"speaker":"Mark Waldeck","startTime":1589.0800000000002,"endTime":1592.8300000000002,"body":"There's a better chance that you"},{"speaker":"Mark Waldeck","startTime":1589.0800000000002,"endTime":1592.8300000000002,"body":"can't bring them back safely."},{"speaker":"Mark Waldeck","startTime":1593.31,"endTime":1597.42,"body":"And or if you do, you run on much greater"},{"speaker":"Mark Waldeck","startTime":1593.31,"endTime":1597.42,"body":"risk that something bad will happen."},{"speaker":"Mark Waldeck","startTime":1597.81,"endTime":1600.3,"body":"So I think those are more"},{"speaker":"Mark Waldeck","startTime":1597.81,"endTime":1600.3,"body":"risk management discussions."},{"speaker":"Mark Waldeck","startTime":1600.3,"endTime":1603.96,"body":"So as the broker, I have"},{"speaker":"Mark Waldeck","startTime":1600.3,"endTime":1603.96,"body":"more risk management."},{"speaker":"Mark Waldeck","startTime":1604.79,"endTime":1606.05,"body":"Uh, levers to pull here."},{"speaker":"Mark Waldeck","startTime":1606.05,"endTime":1609.26,"body":"Then I do, uh, um, crafty brokering."},{"speaker":"Mark Waldeck","startTime":1609.26,"endTime":1611.089,"body":"That's going to find a better outcome."},{"speaker":"Mark Waldeck","startTime":1611.57,"endTime":1616.21,"body":"Uh, the market's going to sort of"},{"speaker":"Mark Waldeck","startTime":1611.57,"endTime":1616.21,"body":"find that a high watermark where"},{"speaker":"Mark Waldeck","startTime":1616.28,"endTime":1620.78,"body":"can, uh, that equilibrium will"},{"speaker":"Mark Waldeck","startTime":1616.28,"endTime":1620.78,"body":"be, uh, and it may involve, uh,"},{"speaker":"Mark Waldeck","startTime":1620.81,"endTime":1622.52,"body":"exclusions down the road right now."},{"speaker":"Mark Waldeck","startTime":1622.52,"endTime":1626.93,"body":"We're, we're, uh, sailing through it"},{"speaker":"Mark Waldeck","startTime":1622.52,"endTime":1626.93,"body":"without, but that could change quickly."},{"speaker":"Dan Wentz","startTime":1627.9950000000001,"endTime":1629.285,"body":"Is he a return to work?"},{"speaker":"Dan Wentz","startTime":1629.285,"endTime":1631.535,"body":"Is that covered under an EPL policy?"},{"speaker":"Mark Waldeck","startTime":1632.2150000000001,"endTime":1632.785,"body":"Normally?"},{"speaker":"Mark Waldeck","startTime":1632.785,"endTime":1633.085,"body":"Yes."},{"speaker":"Mark Waldeck","startTime":1633.085,"endTime":1637.855,"body":"If he, if you're required, if you're"},{"speaker":"Mark Waldeck","startTime":1633.085,"endTime":1637.855,"body":"making it a condition of someone's"},{"speaker":"Mark Waldeck","startTime":1637.855,"endTime":1643.885,"body":"employment and they refuse to"},{"speaker":"Mark Waldeck","startTime":1637.855,"endTime":1643.885,"body":"return, that can result in, uh, um,"},{"speaker":"Mark Waldeck","startTime":1644.2450000000001,"endTime":1646.285,"body":"some type of VPL related action."},{"speaker":"Mark Waldeck","startTime":1646.714,"endTime":1652.445,"body":"Uh, that you took my job away, or you"},{"speaker":"Mark Waldeck","startTime":1646.714,"endTime":1652.445,"body":"denied me future job opportunities, salary"},{"speaker":"Mark Waldeck","startTime":1652.445,"endTime":1657.155,"body":"bonus promotion, because I was viewed"},{"speaker":"Mark Waldeck","startTime":1652.445,"endTime":1657.155,"body":"as uncooperative and would not return or"},{"speaker":"Mark Waldeck","startTime":1657.155,"endTime":1659.464,"body":"wouldn't accept the vaccine, et cetera."},{"speaker":"Mark Waldeck","startTime":1659.704,"endTime":1661.775,"body":"That's where I see the"},{"speaker":"Mark Waldeck","startTime":1659.704,"endTime":1661.775,"body":"EPL claims coming in."},{"speaker":"Mark Waldeck","startTime":1662.315,"endTime":1669.395,"body":"Um, and I think the bigger question"},{"speaker":"Mark Waldeck","startTime":1662.315,"endTime":1669.395,"body":"for, uh, you know, future debate is,"},{"speaker":"Mark Waldeck","startTime":1669.395,"endTime":1670.954,"body":"are we going to see one-off claims?"},{"speaker":"Mark Waldeck","startTime":1670.954,"endTime":1672.635,"body":"Are we looking at large class actions?"},{"speaker":"Mark Waldeck","startTime":1673.28,"endTime":1675.44,"body":"That's what I, that's"},{"speaker":"Mark Waldeck","startTime":1673.28,"endTime":1675.44,"body":"what keeps me up at night."},{"speaker":"Mark Waldeck","startTime":1675.44,"endTime":1678.3500000000001,"body":"Cause it wouldn't be that"},{"speaker":"Mark Waldeck","startTime":1675.44,"endTime":1678.3500000000001,"body":"hard to manufacture the same"},{"speaker":"Mark Waldeck","startTime":1679.04,"endTime":1680.48,"body":"pleading over and over again."},{"speaker":"Mark Waldeck","startTime":1680.48,"endTime":1680.9,"body":"Okay."},{"speaker":"Mark Waldeck","startTime":1680.96,"endTime":1684.56,"body":"Uh, I'm the plaintiff's attorney"},{"speaker":"Mark Waldeck","startTime":1680.96,"endTime":1684.56,"body":"get me that employee census."},{"speaker":"Mark Waldeck","startTime":1684.95,"endTime":1688.3400000000001,"body":"I'm going to call every employee"},{"speaker":"Mark Waldeck","startTime":1684.95,"endTime":1688.3400000000001,"body":"over the age of 50 good chance to"},{"speaker":"Mark Waldeck","startTime":1688.3500000000001,"endTime":1689.72,"body":"have some type of health issue."},{"speaker":"Mark Waldeck","startTime":1690.2,"endTime":1692.1200000000001,"body":"Um, and I'm going to try and sign them up."},{"speaker":"Mark Waldeck","startTime":1692.63,"endTime":1693.65,"body":"That's what I worry about."},{"speaker":"Mark Waldeck","startTime":1694.13,"endTime":1697.94,"body":"Uh, now suddenly we're not fighting"},{"speaker":"Mark Waldeck","startTime":1694.13,"endTime":1697.94,"body":"one case we're fighting maybe a"},{"speaker":"Mark Waldeck","startTime":1697.94,"endTime":1700.1000000000001,"body":"group of a hundred or 150 plaintiffs."},{"speaker":"Dan Wentz","startTime":1701.4940000000001,"endTime":1701.794,"body":"Yeah."},{"speaker":"Dan Wentz","startTime":1701.794,"endTime":1703.925,"body":"And canola, is that what you're,"},{"speaker":"Dan Wentz","startTime":1701.794,"endTime":1703.925,"body":"you're thinking is going to"},{"speaker":"Dan Wentz","startTime":1703.925,"endTime":1706.2640000000001,"body":"happen with the litigation or what"},{"speaker":"Dan Wentz","startTime":1703.925,"endTime":1706.2640000000001,"body":"are you, what's your feeling on"},{"speaker":"Kunal Shah","startTime":1706.2640000000001,"endTime":1707.214,"body":"that great point?"},{"speaker":"Kunal Shah","startTime":1707.214,"endTime":1712.135,"body":"Because I think you may see,"},{"speaker":"Kunal Shah","startTime":1707.214,"endTime":1712.135,"body":"um, also in the future, you"},{"speaker":"Kunal Shah","startTime":1712.135,"endTime":1713.724,"body":"know, failure to hire claims."},{"speaker":"Kunal Shah","startTime":1714.395,"endTime":1718.865,"body":"Uh, kind of predicated on the same thing,"},{"speaker":"Kunal Shah","startTime":1714.395,"endTime":1718.865,"body":"you know, it's a common topic to talk"},{"speaker":"Kunal Shah","startTime":1718.865,"endTime":1721.115,"body":"about, you know, uh, in an interview."},{"speaker":"Kunal Shah","startTime":1721.115,"endTime":1721.355,"body":"Yeah."},{"speaker":"Kunal Shah","startTime":1721.355,"endTime":1723.935,"body":"You know, like I had COVID or are"},{"speaker":"Kunal Shah","startTime":1721.355,"endTime":1723.935,"body":"you all, you know, you know yeah."},{"speaker":"Kunal Shah","startTime":1723.935,"endTime":1726.875,"body":"You know, I'm dealing with an elderly"},{"speaker":"Kunal Shah","startTime":1723.935,"endTime":1726.875,"body":"person in my home, blah, blah, blah."},{"speaker":"Kunal Shah","startTime":1727.355,"endTime":1731.375,"body":"Something that could implicate,"},{"speaker":"Kunal Shah","startTime":1727.355,"endTime":1731.375,"body":"you know, a potential red flag"},{"speaker":"Kunal Shah","startTime":1731.405,"endTime":1732.7250000000001,"body":"for an employer, you know, okay."},{"speaker":"Kunal Shah","startTime":1732.7250000000001,"endTime":1737.345,"body":"This person is, is elderly, or this person"},{"speaker":"Kunal Shah","startTime":1732.7250000000001,"endTime":1737.345,"body":"is more susceptible to getting sick."},{"speaker":"Kunal Shah","startTime":1737.805,"endTime":1739.545,"body":"Uh, and they don't hire them."},{"speaker":"Kunal Shah","startTime":1739.635,"endTime":1739.964,"body":"Right."},{"speaker":"Kunal Shah","startTime":1739.964,"endTime":1743.925,"body":"And, or it's perceived by the"},{"speaker":"Kunal Shah","startTime":1739.964,"endTime":1743.925,"body":"candidate that the, they weren't"},{"speaker":"Kunal Shah","startTime":1743.925,"endTime":1748.454,"body":"hired because of their condition,"},{"speaker":"Kunal Shah","startTime":1743.925,"endTime":1748.454,"body":"uh, you know, predisposition to"},{"speaker":"Kunal Shah","startTime":1748.4840000000002,"endTime":1750.405,"body":"maybe having to go on lockdown."},{"speaker":"Kunal Shah","startTime":1750.405,"endTime":1753.7640000000001,"body":"If this happens again or, you"},{"speaker":"Kunal Shah","startTime":1750.405,"endTime":1753.7640000000001,"body":"know, work remotely completely."},{"speaker":"Kunal Shah","startTime":1753.7640000000001,"endTime":1756.795,"body":"If this happens again, uh,"},{"speaker":"Kunal Shah","startTime":1753.7640000000001,"endTime":1756.795,"body":"conversely, they may say, Hey, you"},{"speaker":"Kunal Shah","startTime":1756.795,"endTime":1760.425,"body":"know, I'm, I'm a job applicant,"},{"speaker":"Kunal Shah","startTime":1756.795,"endTime":1760.425,"body":"but I need to work from home."},{"speaker":"Kunal Shah","startTime":1760.71,"endTime":1763.98,"body":"If I, if I get, if I'm offered this job, I"},{"speaker":"Kunal Shah","startTime":1760.71,"endTime":1763.98,"body":"need to work from home because I have this"},{"speaker":"Kunal Shah","startTime":1763.98,"endTime":1765.45,"body":"condition and maybe they don't get it."},{"speaker":"Kunal Shah","startTime":1765.75,"endTime":1769.8,"body":"You know, then you have a claim of, well,"},{"speaker":"Kunal Shah","startTime":1765.75,"endTime":1769.8,"body":"I didn't get the, I didn't get the job"},{"speaker":"Kunal Shah","startTime":1769.8,"endTime":1773.7,"body":"because I'm more susceptible because"},{"speaker":"Kunal Shah","startTime":1769.8,"endTime":1773.7,"body":"of my disability or whatever it may be."},{"speaker":"Kunal Shah","startTime":1774.06,"endTime":1778.2,"body":"Um, and I, I can see that happening,"},{"speaker":"Kunal Shah","startTime":1774.06,"endTime":1778.2,"body":"uh, you know, uh, whether they're"},{"speaker":"Kunal Shah","startTime":1778.2,"endTime":1779.49,"body":"meritorious claims or not."},{"speaker":"Kunal Shah","startTime":1779.49,"endTime":1784.23,"body":"I mean, it's an easy claim to make, if"},{"speaker":"Kunal Shah","startTime":1779.49,"endTime":1784.23,"body":"at all, something like that is discussed"},{"speaker":"Kunal Shah","startTime":1784.23,"endTime":1788.19,"body":"in, uh, the terms of employment or"},{"speaker":"Kunal Shah","startTime":1784.23,"endTime":1788.19,"body":"contracting or, you know, the interview."},{"speaker":"Mark Waldeck","startTime":1789.17,"endTime":1791.06,"body":"And I think the"},{"speaker":"Mark Waldeck","startTime":1789.17,"endTime":1791.06,"body":"documentation around all that's"},{"speaker":"Mark Waldeck","startTime":1791.06,"endTime":1795.32,"body":"really important because, uh,"},{"speaker":"Mark Waldeck","startTime":1791.06,"endTime":1795.32,"body":"the underlying claim is going to"},{"speaker":"Mark Waldeck","startTime":1795.32,"endTime":1797.1190000000001,"body":"be, you discriminated against me."},{"speaker":"Mark Waldeck","startTime":1797.6290000000001,"endTime":1800.0,"body":"You denied me that promotional"},{"speaker":"Mark Waldeck","startTime":1797.6290000000001,"endTime":1800.0,"body":"opportunity, or you didn't"},{"speaker":"Mark Waldeck","startTime":1800.0,"endTime":1800.96,"body":"even offer me the job."},{"speaker":"Mark Waldeck","startTime":1800.99,"endTime":1801.829,"body":"I was the applicant."},{"speaker":"Mark Waldeck","startTime":1802.31,"endTime":1806.54,"body":"So they're going to have a lot of,"},{"speaker":"Mark Waldeck","startTime":1802.31,"endTime":1806.54,"body":"um, allegations in that complaint."},{"speaker":"Mark Waldeck","startTime":1806.599,"endTime":1809.96,"body":"But the new one that we're now"},{"speaker":"Mark Waldeck","startTime":1806.599,"endTime":1809.96,"body":"layering in will be something"},{"speaker":"Mark Waldeck","startTime":1809.96,"endTime":1811.6090000000002,"body":"that's got a COVID spin to it."},{"speaker":"Mark Waldeck","startTime":1812.18,"endTime":1816.29,"body":"And I don't believe the courts are, uh,"},{"speaker":"Mark Waldeck","startTime":1812.18,"endTime":1816.29,"body":"equipped to deal with them just yet."},{"speaker":"Mark Waldeck","startTime":1816.65,"endTime":1819.77,"body":"So I think at the end of the day,"},{"speaker":"Mark Waldeck","startTime":1816.65,"endTime":1819.77,"body":"maybe those judges will look at it."},{"speaker":"Mark Waldeck","startTime":1819.77,"endTime":1824.81,"body":"If it's litigated and come to the"},{"speaker":"Mark Waldeck","startTime":1819.77,"endTime":1824.81,"body":"conclusion that this is really a"},{"speaker":"Mark Waldeck","startTime":1824.81,"endTime":1827.45,"body":"failure to hire or a failure to promote."},{"speaker":"Mark Waldeck","startTime":1827.8400000000001,"endTime":1832.82,"body":"And yes, we have a account in the"},{"speaker":"Mark Waldeck","startTime":1827.8400000000001,"endTime":1832.82,"body":"complaint that involves COVID,"},{"speaker":"Mark Waldeck","startTime":1833.18,"endTime":1835.16,"body":"but it's really not a COVID case."},{"speaker":"Mark Waldeck","startTime":1835.19,"endTime":1837.95,"body":"Uh, I, I don't know how the judges"},{"speaker":"Mark Waldeck","startTime":1835.19,"endTime":1837.95,"body":"are gonna sort through those,"},{"speaker":"Mark Waldeck","startTime":1838.5800000000002,"endTime":1841.73,"body":"uh, suits when they find their"},{"speaker":"Mark Waldeck","startTime":1838.5800000000002,"endTime":1841.73,"body":"min, when it hits their desk."},{"speaker":"Kunal Shah","startTime":1842.195,"endTime":1844.625,"body":"I think it's going to,"},{"speaker":"Kunal Shah","startTime":1842.195,"endTime":1844.625,"body":"I think that's a brilliant point."},{"speaker":"Kunal Shah","startTime":1844.625,"endTime":1847.685,"body":"You know, there is no"},{"speaker":"Kunal Shah","startTime":1844.625,"endTime":1847.685,"body":"precedence on this, right?"},{"speaker":"Kunal Shah","startTime":1847.685,"endTime":1850.9550000000002,"body":"There's, there's nothing there's no,"},{"speaker":"Kunal Shah","startTime":1847.685,"endTime":1850.9550000000002,"body":"we can't look back on the last one."},{"speaker":"Kunal Shah","startTime":1851.015,"endTime":1851.285,"body":"Right?"},{"speaker":"Kunal Shah","startTime":1851.285,"endTime":1853.145,"body":"Cause that those cases didn't exist."},{"speaker":"Kunal Shah","startTime":1853.685,"endTime":1858.845,"body":"So it's going to have to be judges"},{"speaker":"Kunal Shah","startTime":1853.685,"endTime":1858.845,"body":"in that district or in that circuit"},{"speaker":"Kunal Shah","startTime":1858.845,"endTime":1862.415,"body":"banning together and saying, this is how"},{"speaker":"Kunal Shah","startTime":1858.845,"endTime":1862.415,"body":"we're going to deal with these claims."},{"speaker":"Kunal Shah","startTime":1862.655,"endTime":1864.935,"body":"We were going to either deal with"},{"speaker":"Kunal Shah","startTime":1862.655,"endTime":1864.935,"body":"them the way we always dealt with"},{"speaker":"Kunal Shah","startTime":1864.935,"endTime":1869.2250000000001,"body":"ADA claims or, you know, are we"},{"speaker":"Kunal Shah","startTime":1864.935,"endTime":1869.2250000000001,"body":"going to consider COVID like the flu."},{"speaker":"Kunal Shah","startTime":1869.405,"endTime":1873.214,"body":"Where, like I said, certain, certain"},{"speaker":"Kunal Shah","startTime":1869.405,"endTime":1873.214,"body":"circuits, like the one I'm in does"},{"speaker":"Kunal Shah","startTime":1873.214,"endTime":1874.895,"body":"not consider the fluid disability."},{"speaker":"Kunal Shah","startTime":1875.165,"endTime":1878.135,"body":"So, uh, maybe they're going to do that"},{"speaker":"Kunal Shah","startTime":1875.165,"endTime":1878.135,"body":"and maybe we're going to take a hard,"},{"speaker":"Kunal Shah","startTime":1878.135,"endTime":1883.115,"body":"fast line there and, uh, you know,"},{"speaker":"Kunal Shah","startTime":1878.135,"endTime":1883.115,"body":"I'm sure, uh, either way they decide."},{"speaker":"Kunal Shah","startTime":1883.595,"endTime":1884.9750000000001,"body":"People are going to be unhappy."},{"speaker":"Kunal Shah","startTime":1885.2450000000001,"endTime":1885.605,"body":"Right."},{"speaker":"Kunal Shah","startTime":1885.635,"endTime":1888.4550000000002,"body":"It depends on like we've learned."},{"speaker":"Kunal Shah","startTime":1888.7250000000001,"endTime":1892.625,"body":"Um, but it depends on, you know, the,"},{"speaker":"Kunal Shah","startTime":1888.7250000000001,"endTime":1892.625,"body":"the, in the circuit or whatever it may be."},{"speaker":"Kunal Shah","startTime":1892.625,"endTime":1895.145,"body":"But yeah, it's going to be"},{"speaker":"Kunal Shah","startTime":1892.625,"endTime":1895.145,"body":"interesting because we're going"},{"speaker":"Kunal Shah","startTime":1895.145,"endTime":1896.7350000000001,"body":"to see the law being made."},{"speaker":"Kunal Shah","startTime":1896.765,"endTime":1899.045,"body":"Uh, you know, probably"},{"speaker":"Kunal Shah","startTime":1896.765,"endTime":1899.045,"body":"unfortunately when it's too late"},{"speaker":"Kunal Shah","startTime":1899.045,"endTime":1900.7250000000001,"body":"and the claims kind of dissipate."},{"speaker":"Kunal Shah","startTime":1901.145,"endTime":1902.165,"body":"But it's got to happen."},{"speaker":"Kunal Shah","startTime":1902.4950000000001,"endTime":1903.305,"body":"Uh, so"},{"speaker":"Dan Wentz","startTime":1903.305,"endTime":1904.2050000000002,"body":"a lot of great stuff here."},{"speaker":"Dan Wentz","startTime":1904.2050000000002,"endTime":1905.285,"body":"Did we miss anything?"},{"speaker":"Dan Wentz","startTime":1905.285,"endTime":1907.535,"body":"Is there anything, uh, Mark"},{"speaker":"Dan Wentz","startTime":1905.285,"endTime":1907.535,"body":"specifically you, is there anything"},{"speaker":"Dan Wentz","startTime":1907.535,"endTime":1909.425,"body":"you wanted to hit that we didn't hit?"},{"speaker":"Mark Waldeck","startTime":1910.195,"endTime":1914.785,"body":"I just think that"},{"speaker":"Mark Waldeck","startTime":1910.195,"endTime":1914.785,"body":"no clients should be making any"},{"speaker":"Mark Waldeck","startTime":1914.785,"endTime":1920.635,"body":"sudden changes or decisions without"},{"speaker":"Mark Waldeck","startTime":1914.785,"endTime":1920.635,"body":"a documented legal advice, um,"},{"speaker":"Mark Waldeck","startTime":1920.695,"endTime":1921.835,"body":"that everyone's thought through."},{"speaker":"Mark Waldeck","startTime":1922.295,"endTime":1927.155,"body":"Because, um, every action will"},{"speaker":"Mark Waldeck","startTime":1922.295,"endTime":1927.155,"body":"have a reaction and, um, you you're"},{"speaker":"Mark Waldeck","startTime":1927.155,"endTime":1931.474,"body":"trying to do the right thing, but"},{"speaker":"Mark Waldeck","startTime":1927.155,"endTime":1931.474,"body":"in, in potentially accommodating one"},{"speaker":"Mark Waldeck","startTime":1931.474,"endTime":1935.435,"body":"individual, you're putting the rest of"},{"speaker":"Mark Waldeck","startTime":1931.474,"endTime":1935.435,"body":"the workers, uh, in the line of fire."},{"speaker":"Mark Waldeck","startTime":1935.435,"endTime":1939.395,"body":"So, um, those are really"},{"speaker":"Mark Waldeck","startTime":1935.435,"endTime":1939.395,"body":"tough calls to make."},{"speaker":"Mark Waldeck","startTime":1939.655,"endTime":1943.345,"body":"And I don't think an HR department should"},{"speaker":"Mark Waldeck","startTime":1939.655,"endTime":1943.345,"body":"be left alone to make them because,"},{"speaker":"Mark Waldeck","startTime":1943.885,"endTime":1946.945,"body":"um, they're going to find themselves"},{"speaker":"Mark Waldeck","startTime":1943.885,"endTime":1946.945,"body":"in the middle of a lot of complaints."},{"speaker":"Mark Waldeck","startTime":1947.275,"endTime":1951.535,"body":"So at least if we've documented it and"},{"speaker":"Mark Waldeck","startTime":1947.275,"endTime":1951.535,"body":"carefully gone through the steps, we"},{"speaker":"Mark Waldeck","startTime":1951.535,"endTime":1953.665,"body":"have a chance to defend it and move on."},{"speaker":"Kunal Shah","startTime":1954.285,"endTime":1954.765,"body":"Yeah."},{"speaker":"Kunal Shah","startTime":1955.035,"endTime":1960.075,"body":"And in this age of the remote"},{"speaker":"Kunal Shah","startTime":1955.035,"endTime":1960.075,"body":"work and the, uh, the zoom calls,"},{"speaker":"Kunal Shah","startTime":1960.345,"endTime":1964.935,"body":"um, uh, it's, it seems to me that"},{"speaker":"Kunal Shah","startTime":1960.345,"endTime":1964.935,"body":"people are using their email more."},{"speaker":"Kunal Shah","startTime":1964.935,"endTime":1966.795,"body":"So that's creating more of a paper trail."},{"speaker":"Kunal Shah","startTime":1967.115,"endTime":1971.704,"body":"Um, but you know, there, conversely"},{"speaker":"Kunal Shah","startTime":1967.115,"endTime":1971.704,"body":"people could just be relying on phone"},{"speaker":"Kunal Shah","startTime":1971.704,"endTime":1975.755,"body":"calls to have these conversations"},{"speaker":"Kunal Shah","startTime":1971.704,"endTime":1975.755,"body":"and it is so paramount to document."},{"speaker":"Kunal Shah","startTime":1976.099,"endTime":1979.669,"body":"Memorialized conversations, uh,"},{"speaker":"Kunal Shah","startTime":1976.099,"endTime":1979.669,"body":"whatever, you know, I tell my clients,"},{"speaker":"Kunal Shah","startTime":1979.7,"endTime":1983.329,"body":"you write it down on a piece of"},{"speaker":"Kunal Shah","startTime":1979.7,"endTime":1983.329,"body":"paper or email it to yourself, just"},{"speaker":"Kunal Shah","startTime":1983.329,"endTime":1985.25,"body":"so you capture that moment in time."},{"speaker":"Kunal Shah","startTime":1985.28,"endTime":1989.69,"body":"Because when that suit or charge"},{"speaker":"Kunal Shah","startTime":1985.28,"endTime":1989.69,"body":"comes six to 12 months from now, you"},{"speaker":"Kunal Shah","startTime":1989.69,"endTime":1991.49,"body":"have captured that moment in time."},{"speaker":"Kunal Shah","startTime":1991.49,"endTime":1992.839,"body":"And that is the best evidence."},{"speaker":"Kunal Shah","startTime":1992.839,"endTime":1997.909,"body":"Piece of paper will always be the best"},{"speaker":"Kunal Shah","startTime":1992.839,"endTime":1997.909,"body":"evidence and an employment claims."},{"speaker":"Kunal Shah","startTime":1998.3,"endTime":2001.8990000000001,"body":"You know, you are only as"},{"speaker":"Kunal Shah","startTime":1998.3,"endTime":2001.8990000000001,"body":"good as your documentation."},{"speaker":"Dan Wentz","startTime":2002.9950000000001,"endTime":2004.015,"body":"That is a great point."},{"speaker":"Dan Wentz","startTime":2004.285,"endTime":2005.305,"body":"I think that's a good place."},{"speaker":"Dan Wentz","startTime":2005.405,"endTime":2007.395,"body":"Send it to Kunal, Mark."},{"speaker":"Dan Wentz","startTime":2007.425,"endTime":2010.9650000000001,"body":"Thank you very much for, uh,"},{"speaker":"Dan Wentz","startTime":2007.425,"endTime":2010.9650000000001,"body":"joining us today and granola."},{"speaker":"Dan Wentz","startTime":2010.9650000000001,"endTime":2014.385,"body":"I always like to do this, so everybody"},{"speaker":"Dan Wentz","startTime":2010.9650000000001,"endTime":2014.385,"body":"knows that they can get ahold of Mark"},{"speaker":"Dan Wentz","startTime":2014.385,"endTime":2016.2150000000001,"body":"Wright and find them on the CRC group"},{"speaker":"Kunal Shah","startTime":2016.2150000000001,"endTime":2016.875,"body":"website."},{"speaker":"Kunal Shah","startTime":2016.875,"endTime":2018.885,"body":"And, uh, if you a specific year,"},{"speaker":"Dan Wentz","startTime":2018.885,"endTime":2021.105,"body":"if you're in the"},{"speaker":"Dan Wentz","startTime":2018.885,"endTime":2021.105,"body":"Midwest region, you're looking"},{"speaker":"Dan Wentz","startTime":2021.105,"endTime":2023.685,"body":"for someone to help you out with"},{"speaker":"Dan Wentz","startTime":2021.105,"endTime":2023.685,"body":"executive professional liability."},{"speaker":"Dan Wentz","startTime":2023.685,"endTime":2024.825,"body":"Mark is there Martin?"},{"speaker":"Dan Wentz","startTime":2025.224,"endTime":2029.875,"body":"Help you out as well as our entire"},{"speaker":"Dan Wentz","startTime":2025.224,"endTime":2029.875,"body":"network of brokers, but, uh, Kunal"},{"speaker":"Dan Wentz","startTime":2029.935,"endTime":2034.3,"body":"as well, canola maybe, uh, Quickly,"},{"speaker":"Dan Wentz","startTime":2029.935,"endTime":2034.3,"body":"give us a little, little information"},{"speaker":"Kunal Shah","startTime":2034.3,"endTime":2034.78,"body":"about you."},{"speaker":"Kunal Shah","startTime":2034.78,"endTime":2035.8590000000002,"body":"I call it the plug."},{"speaker":"Kunal Shah","startTime":2036.43,"endTime":2037.1190000000001,"body":"Give us the plug"},{"speaker":"Dan Wentz","startTime":2037.1190000000001,"endTime":2037.3890000000001,"body":"for what"},{"speaker":"Kunal Shah","startTime":2037.3890000000001,"endTime":2038.77,"body":"you do and"},{"speaker":"Kunal Shah","startTime":2037.3890000000001,"endTime":2038.77,"body":"how you help people."},{"speaker":"Kunal Shah","startTime":2039.31,"endTime":2041.6190000000001,"body":"I, your everyday job when"},{"speaker":"Kunal Shah","startTime":2039.31,"endTime":2041.6190000000001,"body":"you're not podcasting."},{"speaker":"Kunal Shah","startTime":2042.3,"endTime":2044.1090000000002,"body":"Well, I'm not podcasting I'm."},{"speaker":"Kunal Shah","startTime":2044.1190000000001,"endTime":2048.5699999999997,"body":"I specialize in employment"},{"speaker":"Kunal Shah","startTime":2044.1190000000001,"endTime":2048.5699999999997,"body":"litigation claims, uh, claims defense"},{"speaker":"Kunal Shah","startTime":2048.5989999999997,"endTime":2050.94,"body":"claims, mitigation counseling."},{"speaker":"Kunal Shah","startTime":2051.24,"endTime":2057.089,"body":"That's generally the, the that's"},{"speaker":"Kunal Shah","startTime":2051.24,"endTime":2057.089,"body":"the, the beacon of my practice."},{"speaker":"Kunal Shah","startTime":2057.119,"endTime":2057.869,"body":"Um, it always."},{"speaker":"Kunal Shah","startTime":2057.93,"endTime":2060.75,"body":"Bonds into, you know,"},{"speaker":"Kunal Shah","startTime":2057.93,"endTime":2060.75,"body":"commercial litigation and stuff."},{"speaker":"Kunal Shah","startTime":2060.7799999999997,"endTime":2063.93,"body":"Once I've, you know, dealt"},{"speaker":"Kunal Shah","startTime":2060.7799999999997,"endTime":2063.93,"body":"with clients on, on issues."},{"speaker":"Kunal Shah","startTime":2063.93,"endTime":2066.0299999999997,"body":"Sometimes they have contract"},{"speaker":"Kunal Shah","startTime":2063.93,"endTime":2066.0299999999997,"body":"disputes and things like that."},{"speaker":"Kunal Shah","startTime":2066.0299999999997,"endTime":2069.54,"body":"But, you know, I think for me, my"},{"speaker":"Kunal Shah","startTime":2066.0299999999997,"endTime":2069.54,"body":"most, uh, you know, my claim to"},{"speaker":"Kunal Shah","startTime":2069.54,"endTime":2076.649,"body":"fame is my ability to try to teach"},{"speaker":"Kunal Shah","startTime":2069.54,"endTime":2076.649,"body":"clients and employers how to mitigate."},{"speaker":"Kunal Shah","startTime":2077.274,"endTime":2079.314,"body":"Uh, loss and avoid claims."},{"speaker":"Kunal Shah","startTime":2079.345,"endTime":2083.9339999999997,"body":"Uh, this employment is that one"},{"speaker":"Kunal Shah","startTime":2079.345,"endTime":2083.9339999999997,"body":"type of law where if you've got"},{"speaker":"Kunal Shah","startTime":2083.9339999999997,"endTime":2085.374,"body":"good HR, you got good policy."},{"speaker":"Kunal Shah","startTime":2085.7839999999997,"endTime":2087.555,"body":"Do you have documentation in place?"},{"speaker":"Kunal Shah","startTime":2087.825,"endTime":2091.334,"body":"You know, that that's where you"},{"speaker":"Kunal Shah","startTime":2087.825,"endTime":2091.334,"body":"can actually save, uh, and, and"},{"speaker":"Kunal Shah","startTime":2091.334,"endTime":2093.1639999999998,"body":"mitigate potential disaster."},{"speaker":"Kunal Shah","startTime":2093.1639999999998,"endTime":2094.7839999999997,"body":"So that's what I do."},{"speaker":"Kunal Shah","startTime":2094.845,"endTime":2097.305,"body":"Um, I work at a Dallas Meyer."},{"speaker":"Kunal Shah","startTime":2097.305,"endTime":2098.6549999999997,"body":"LLP is the law firm."},{"speaker":"Kunal Shah","startTime":2098.6549999999997,"endTime":2099.555,"body":"I'm a partner there."},{"speaker":"Kunal Shah","startTime":2099.9449999999997,"endTime":2102.524,"body":"Um, find me on LinkedIn, Google me."},{"speaker":"Kunal Shah","startTime":2102.8999999999996,"endTime":2105.6899999999996,"body":"Um, but yeah, that's what I do."},{"speaker":"Kunal Shah","startTime":2105.6899999999996,"endTime":2106.3199999999997,"body":"That's my plug."},{"speaker":"Kunal Shah","startTime":2106.91,"endTime":2107.5699999999997,"body":"Okay, great."},{"speaker":"Dan Wentz","startTime":2107.6899999999996,"endTime":2108.29,"body":"Appreciate it."},{"speaker":"Dan Wentz","startTime":2108.29,"endTime":2109.79,"body":"Kunal and appreciate it, Mark."},{"speaker":"Dan Wentz","startTime":2110.27,"endTime":2113.24,"body":"Uh, hopefully this won't be the last"},{"speaker":"Dan Wentz","startTime":2110.27,"endTime":2113.24,"body":"time we talked to you can all we'll,"},{"speaker":"Dan Wentz","startTime":2113.24,"endTime":2114.5899999999997,"body":"uh, check back in with you later."},{"speaker":"Dan Wentz","startTime":2114.5899999999997,"endTime":2116.2999999999997,"body":"I'm sure we'll have more"},{"speaker":"Dan Wentz","startTime":2114.5899999999997,"endTime":2116.2999999999997,"body":"questions about COVID."},{"speaker":"Dan Wentz","startTime":2116.2999999999997,"endTime":2117.56,"body":"Is this progressive?"}]}