Doug Houser:
From Rea & Associates studio, this is unsuitable, a management and financial services podcast for entrepreneurs, tenured business leaders, and others who are ready to look beyond the suit and tie culture for meaningful, measurable results. I'm Doug Houser. 在这个每周的播客中，思想领袖和商业专家会分解复杂和平凡的话题，给你一些建议和见解，帮助你成长为一个领导者，同时帮助你的组织成长和繁荣. 如果你还没有点击订阅按钮，以免错过未来的剧集. 如果你想获得更多的信息, show notes, and exclusive content, 请访问我们的网站WWW.mindtinkering.com . podcast并注册获取更新.
今天是迪·格雷，Rea的客户服务专家 & Associates is here to talk about COVID-19 sick pay and the credits available, employee retention credits, 以及社保延期方案, 雇主和雇员以及W2问题都涉及到《安全的赌博软件》的一些立法. So a lot of stuff going on related to payroll and those kinds of policies, employee benefits, things like that. So we're very, very pleased to have Dee on today to help straighten us out. So welcome to unsuitable again, Dee.
Dee Gray:
Thank you very much. Thanks for having me.
Doug:
Absolutely, 到目前为止，你是我们的工资专家, 我甚至无法想象自从疫情爆发以来，你一直在努力处理与COVID相关的问题和所有事情. 我想这对你来说就像一阵旋风，对吧?
Dee:
Well let's say it's been a challenging year that's for sure. 一切都在不断变化. As soon as you feel like you have your arms wrapped around something, 他们出台了一些新的法规，改变了你已经知道的一切.
Doug:
Yeah, 我们非常感谢有您和您的团队这样的资源可以依靠, 因为我知道的足够危险而且我们的客户问了很多问题, like what, this has changed, that's changed, and how do I do this? How do I deal with that? Talk about just high level, some of the biggest impacts related to some of the Cares Act or, 或者我们看到的相关立法变化.
Dee:
Okay. 真正影响雇主的一件事是他们中的一些人真的没有意识到的是COVID-19病假工资. 因此，《比较靠谱的赌博软件》的一部分规定，员工人数少于500人的公司必须支付病假工资. There is an opt-out if you have I think less than 25 employees, you can opt-out of it, but that is even a process that you have to follow in order to opt-out of it. So basically if you're a company with less than 500 employees, and you have an employee that either has COVID-19 or has to quarantine, 要么是因为暴露，要么是因为他们有症状, 你要付给他们两周的工资. 这要么是全职员工的80个小时，要么是兼职员工两周的平均工作时间.
另一方面，你可以立即获得信用额度来抵消这些成本. 所以你支付给雇员，你可以立即减少你的941存款，以重新获得你支付的工资和雇主的医疗保险部分，包括在这些工资中.
Doug:
Yeah. 对于许多小企业来说，这显然是一个很大的变化，因为他们不一定习惯于处理这种情况.
Dee:
Right, yes, for sure. 这个项目的应税性也不同于一般项目的应税性. 所以它实际上不受雇主社会保障的约束, 所以如果你是雇主，你有COVID-19病假工资，你不确定它是如何运作的, 伸出手去联系别人. 每季度在941表格上有专门的报告, and it's going to have to be reported separately on the W2's. So it is in your best interest to have it set up correctly to begin with.
Doug:
因此，它甚至改变了W2报告的方式?
Dee:
Yes.
Doug:
Okay. So yeah, 这是一件大事，我们必须确保雇主意识到这一点，并遵守这些新的指导方针.
Dee:
千变万化的典型. 新冠肺炎病假工资自4月1日起生效, 就在过去的两三个星期里，他们宣布必须在W2的第14栏上单独报告.
Doug:
Nice. 所以当我们到达你的终点时，显然W2是必不可少的.
Dee:
是啊，你说得对，所以小心点.
Doug:
你要么准备好工资单，要么寻求你能提供的专业帮助.
Dee:
Yes.
Doug:
Boy, that's a lot for folks to tackle in the midst of everything else going on.
Dee:
Right.
Doug:
谈谈这些员工保留信用的影响，以及你对客户和他们的业务的看法. What's kind of the impact you've experienced thus far in talking to folks?
Dee:
所以COVID - 19病假工资，我发现很多人甚至没有意识到这一点. 他们的员工说，你得付钱给我，他们不知道. 老实说，我每天可能会接到5到10个客户的电话，他们就像, gosh, 我们都不知道有这个. 并不是说我们需要在上面添加一个网络研讨会系列.
Doug:
Right, I know you have.
Dee:
外面的信息太多了，很难掌握所有的信息.
Doug:
Yeah.
Dee:
现在说说员工保留信用, that is available for businesses that did not take the PPP loan.
Doug:
Right.
Dee:
Anybody that received PPP funds that they anticipate having forgiven, they're automatically excluded from the employee retention credit. 如果你没有收到PPP资金，你绝对应该看看员工保留信用. If you were suspended, 完全或部分悬浮, during the first, second, third, or even fourth quarter of this year due to the COVID-19 pandemic. 对于我们的一些客户来说，这是一大笔钱，因为他们还没有收到购买力平价货币, and it's another one that people really aren't hearing a lot about it I think.
Doug:
Yeah. 再说一遍，联系迪伊或者我们比较靠谱的赌博软件... 我知道我们公司里有几个人是处理这个问题的专家. 我一直在与PPP接受者合作, 但正如你所说，同样的道理，这并不意味着这是唯一有利于企业的计划. 这个想法显然是为了提供一些缓解, 所以你应该充分利用这一点. 谁知道还会发生什么，对吧，迪，我是说
Dee:
Yeah, 其中很多将于12月31日到期, 但我必须想象它会被替换. It's either going to be extended or replaced with something else.
Doug:
Yeah. 显然，提供一些额外的救济项目似乎是一种需要和愿望, obviously what those look like we don't know at this point, hopefully, we will hear soon. 但其中一件事是通过一项行政命令出来的, 社保延期选项, 这也引起了很多困惑. What happened there?
Dee:
这是可选的员工社保延期.
Doug:
Yeah.
Dee:
从理论上讲，这实际上是一场报道噩梦. 我们的大多数客户都没有选择参加，因为你有能力将社会保障预扣的雇员部分从9月1日推迟到12月31日, 然后你必须在1月1日到4月30日之间收回. 所以如果你为一个不再是雇员的雇主延迟支付社会保险不管出于什么原因被解雇了, the employer is on the hook to pay those funds back however they need to.
他们刚刚提出的另一个指导方针是如果你选择参加这个延期, 你提交2020年的W2减去应该被扣留的社会保障金. 所以当你创建工资单时，你要提交W2, 然后在4月30日，当这些资金已经偿还, 你必须修改2020年的每一份W2. They're not carrying the reporting requirement forward to 2021, 他们让你修改2020年的报税表.
Doug:
Holy cow. Yeah, 我认为这是不值得的，当你谈到所有的混乱，你会说.
Dee:
Right.
Doug:
Oh my goodness, yeah.
Dee:
最初我知道他们讨论的是减少和免除税收，而不是偿还, 但这看起来不太可能发生. I think the majority of private businesses have chosen not to participate, but I know that for all government employers and the military, it was mandatory, 所以它们都要处理这个. [inaudible 00:09:57]
Doug:
Yeah, what a mess right? We've all of a sudden you didn't have that social security withheld, right, at the employee level, and you got to go... The employer has to go recoup that as you suggest that the beginning of 21, and maybe somebody's left, 向前看了，你还得为此负责. What a reporting nightmare too if you're required to amend.
Dee:
Right. And the entire theory behind it is to put more money in your pocket, 在这四个月的时间里，哪个是最好的呢, 但很多人没有意识到的是，从1月到4月，这一数字将翻倍, so you're just going to be having double withheld the following four months. So the net effect is zero, 但对于一些靠工资过活的员工来说，这可能会让他们度过一个艰难的冬天.
Doug:
Yeah. 这可能会很痛苦，我不确定这是否经过了深思熟虑.
Dee:
Yeah.
Doug:
Now what about... 谈谈州一级的迪伊, 你知道有什么提议的改变吗, 你听说过在州一级可能发生的事情吗, from the employers, 员工应该意识到?
Dee:
除了2014年或2015年在众议院第5号法案中通过的市政标准之外，没有任何具体的规定, 这已经被质疑过很多次了, but we did just get a notification that that has been upheld, 这基本上就是中央报告, 我们已经做了很多年了, 但也有关于取消这一计划的讨论, 看来我们还会继续这样做. Most people are using the Ohio Business Gateway for centralized reporting, which has been really helpful with the municipalities going forward. But that's about the only thing that I'm hearing on the state level right now.
Doug:
Yeah, 我知道在俄亥俄商业门户的用户友好性方面有一些挫折, 但至少正如你所说，它是一个集中的门户，我认为它允许这种一致性, so that's good.
Dee:
但它仍然不是全面的. 市政当局不必参与其中, and I believe on their side of it there is a charge to do that. 所以我们仍然有一些小社区，我们每个月都要写一张支票，寄一张代金券给他们, 但你总会有例外. 除此之外，它让事情变得简单了很多.
Doug:
Yeah, that's good. 我知道我最近在新闻里看到的一件事, 当COVID来袭时，每个人都采用了这种在家工作的模式, 有一些最初的立法说, yeah, 你应该继续在你在covid前工作的那个城市工作. 本周，我在俄亥俄州的立法机构看到了一种可能改变这种状况的推动. Have you seen that at all?
Dee:
我认为从长远来看，他们会改变这种状况. 只要有有效的紧急行动，根据你在大流行前的实际工作地点继续扣留确实是好的. 不管什么原因，只要它被召回, 然后印心就不在讨论范围之内，然后你必须根据他们在哪里工作而保留. Other than the extension of saying as long as this pandemic is in effect, 会根据你以前的工作地点扣缴吗. In the real world, before that, it would have been based on your home location if you were working from home. So you're right. I did hear that after December 31st or at some point going forward, 他们正在努力改变这种情况，让你根据你的实际位置纳税, 无论是在办公室还是在家里.
Doug:
就像你说的那样, 只要是在大流行之后, 不管什么时候. But I know there's some push to change that pretty quickly and I'm thinking, gosh, 不同的市政收入对哥伦布市的影响, a lot of people working from home and they're not seeing all those tax revenues.
Dee:
Right.
Doug:
我甚至无法想象，更不用说报道的噩梦了，显然你会看到的.
Dee:
是啊，那总是很有趣. 然后你现在如果你有一个礼貌的扣留，这不会让你在你的员工现在在家工作的社区里建立联系, 但如果我们继续下去, 那么你的员工在家工作就可以让你了解他们在哪里工作的其他税务义务.
Doug:
是的，这很可怕，对吧?
Dee:
这是盐队的播客.
Doug:
Yeah. 我们让乔·波普来做这个. 这当然是可怕的事情. 天哪，要考虑的事情太多了. Dee, when you talk about the payroll services and things that we do as a firm, talk about the typical client that you work with in terms of client size, sweet spot, 你可以提供的服务类型.
Dee:
Okay. 我们提供全方位的薪资服务. Our average client has between 15 and 75 employees I would say. 我们对客户非常注重个人隐私，我们的工资处理也以个人为基础. 所以我们不会把钱从客户的账户里拿走然后把钱留在我们的账户里直到他们的税款到期, 当我们从客户的账户上缴纳税款时，我们会单独处理每一份工资单. 我们提供工资税服务，我们支付与工资相关的税款. 我们可以上传401k的延期付款并匹配每个工资单. We offer direct deposit, online pay stubs, and you can pick and choose which services are the best fit for your firm. 显然，我们也为不断发生的COVID-19变化提供专家建议.
Doug:
Yeah. 我认为这很棒，因为我知道，作为一家小企业的前首席财务官，要跟上所有的规章制度，并为你和你的团队提供全职的专业知识是非常困难的, I mean, 这比在公司内部做要容易得多. 我仍然惊讶于有多少潜在客户和类似的事情，我出去拜访，他们在家里做所有的事情. It's a lot to keep up with.
Dee:
Right. And we offer our expertise to our clients that do their own payroll, 把工资外包给别人. We're always here to answer questions and offer advice the best way we can.
Doug:
这太棒了，很高兴知道，我认为这非常非常重要. Well, Dee, on another note, talk about COVID, we're in this period, 现在我们要进入冬天了, what's been... 我希望来宾们保持积极的态度, if you can pinpoint something that's been positive for you through this period, 无论是私人的还是专业的, what would you put forth?
Dee:
我个人想说，我们住在离阿特伍德湖一英里的地方，今年三月份我们在船上，上周末我们也在船上.
Doug:
Wow.
Dee:
今年夏天我们在湖上度过的时间比我们有船25年来的时间还多, 所以我真的很喜欢. 这是一个你可以去享受户外乐趣的地方，而不用担心社交距离和戴口罩之类的事情.
Doug:
那太棒了，是啊，当然是很好的家庭时光.
Dee:
Yeah.
Doug:
I know a lot of folks, and we have included, 我们试着化简一下, and focus on spending time with friends and families as best you can, 从这个角度来看，这当然是令人愉快的, but that said, 希望能打出更好的21右?
Dee:
Right. Well and I'm super glad that my kids are not school aged kids, 我就不用纠结这些了, 所以这对我来说是另一个积极的因素. 我真的很钦佩那些不得不在家工作和在家上学的父母，以及所有这一切的杂耍行为. I'm very grateful that I'm in a place of my life where I didn't have to do that.
Doug:
Yeah, same. 我的孩子们现在都是成年人了，但是对每个人来说都是挑战，我们都... 我认为我们已经进入了一个新时代，其中很多变化肯定会成为永久性的，所以.
Dee:
Yeah. 不幸的是，我认为你是对的.
Doug:
Yeah. Well Dee, 一如既往感谢你的收看, 你总是很有洞察力，而且你对指导方针和规则的变化有很好的专业知识, 雇主和雇员双方关于工资单和工资单服务的规定. 所以对于在座的企业主们，请不要犹豫，联系迪伊吧, she's just a tremendous, 对我们的客户和公司来说都是巨大的资源, so thanks for being on, really appreciate it.
Dee:
非常感谢，我真的很喜欢.
Doug:
Absolutely. 如果你想听到更多的商业技巧和见解，或者想听以前的 unsuitable，请访问我们的播客页面WWW.mindtinkering.com/podcast. And while you're there sign up for exclusive content and show notes. Thanks for listening to this week's show, be sure to subscribe to unsuitable 苹果播客，谷歌播客，或者任何你正在收听我们节目的地方，包括YouTube. 我是Doug Houser，下周加入我们来了解另一个不合适的行业面试.
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The views expressed on unsuitable on Rea Radio are our own and do not necessarily reflect the views of Rea & Associates. The podcast is for informational and educational purposes only, 并不是要取代你在其他地方可以得到的专业建议. 向值得信赖的顾问咨询你的独特情况，这样他们就能专业地指导你找到适合你具体情况的最佳解决方案.
