​Physio First with the CSP are collating advice for members, which we hope will enhance but does not replace that provided by Public Health England (PHE) and the relevant government departments.

COVID-19 FAQs developed with the CSP

Last updated 27.03.20

Are insurance companies supporting remote consultations?

We are aware of many insurance companies that will now support remote consultations e.g BUPA, AXA PPP Nuffield and Aviva. See the CSP pages on remote solutions here.
  

What is the Covid-19 position between practice principles and self-employed associates?

The advice in relation to any question between practice principals and self-employed colleagues about COVID-19 is almost always the same:
• whether a practice principal or a self-employed person, both are businesses i.e.
o the practice principal is a business selling physiotherapy to the public.
o whereas a self-employed associate is a business selling physiotherapy services through the other’s business.
• this means that what governs the relationship is the self-employed associate agreement i.e. it is all in the contract.
• if there is no written agreement then this creates ambiguity, which is problematic but as in all business relationships, almost everything can be resolved if each party understands the other’s point of view.
As both are in business the most important thing to do is to talk about things i.e. with Covid-19 there are no winners. If the practice principal’s business has had to close, the self-employed associate’s business cannot trade and if the self-employed associate is not available, the outcome will be similar. So, we are all in the same boat.

So, in answer to the question posed, if one or both businesses has to close, income will reduce or be eliminated, which means that both will most likely have to suffer the loss until things change.

What if one of my employed members of staff is pregnant?

Women who are less than 28 weeks pregnant should practise social distancing but can continue working in a patient-facing role, provided the necessary precautions are taken. The latest guidance indicates that wherever possible healthcare workers who are less than 28 weeks pregnant should avoid caring for patients with Covid-19 or suspected Covid-19. Women who are more than 28 weeks pregnant, or have underlying health conditions, should avoiding direct patient contact. Employers should therefore look at how they can redeploy anyone in this group to work more flexibly and in a different capacity, maximising homeworking opportunities.

Updated guidance from the Royal College of Obstetricians and Gynaecologists can be found in the document entitled ‘Coronavirus: Infection in pregnancy – Information for Healthcare Professionals’. This gives comprehensive guidance for all healthcare professionals to use. Please see the guidance for further information here 

 
All pregnant members of staff should have an existing risk assessment. This should be urgently reviewed on an individual basis and adjustments should be made where possible. This may include working remotely or redeployment to a lower risk area, allocating different duties, changing hours of work and also considering working from home.The Health and Safety Executive guidance for pregnant workers includes information on what employer's risk assessment should cover to keep staff safe. If you cannot alter a pregnant employee's working conditions, or hours of work, or offer suitable alternative work, you must suspend the employee on full pay. It is normally up to the pregnant employee to decide when they wish to start their maternity leave. However, if they are off sick with a pregnancy-related illness or suspended on health and safety grounds in the last 4 weeks before their expected week of childbirth then you can start their maternity leave and pay automatically.

What happens if I tell my staff to self-isolate?

If someone becomes unwell in the workplace with a new, continuous cough or a high temperature, they should be sent home. All staff should follow the guidance from Public Health England regarding self-isolation and what to do if you show symptoms of the disease.

The advice remains that you should self-isolate for 7 days if you live alone and have developed symptoms. If you live within a family unit and anyone within the household has symptoms, then isolation should be for 14 days. For more information, please have a look here. Information from this document states the following:
• Staff members that are in isolation and therefore not at work, those who follow advice to stay at home will be eligible for statutory sick pay (SSP) from the first day of their absence from work
• Employers should use their discretion concerning the need for medical evidence for certification for employees who are unwell. This will allow GPs to focus on their patients
• If evidence is required by an employer, those with symptoms of coronavirus can get an isolation note from NHS 111 online, and those who live with someone that has symptoms can get a note from the NHS website.

For more information, please refer to the gov.uk website guidance here 
        
  

What if an employed member of staff is symptomatic of Covid-19?

If an employed member of staff has suspected coronavirus, they should be sent home and advised to follow the self-isolation advice from Public Health England.
• Staff should contact the practice and update them on their symptoms. Those who follow advice to stay at home will be eligible for statutory sick pay (SSP) from the first day of their absence from work
• Employers should use their discretion concerning the need for medical evidence for certification for employees who are unwell.

This will allow GPs to focus on their patients. See this link for further information.

  

What if an employed member of staff needs to care for a dependent?

If a dependent has been asked to self-isolate, the employed member of staff member will have also been given the same instruction and will follow the sickness advice for self-isolation. For anyone living in a family unit or the same household the isolation period is 14 days for everyone within the household.
As schools have closed, some children will have the ability to attend hub schools if their parent is classed as a key worker. For a list of key workers, and further information please see the gov website linked here

You should also refer to your current ‘dependents leave policy’, which may provide for some paid leave alongside a period of unpaid leave/holiday. Other alternatives are to discuss alternative ways to work which may fit around childcare.

Can my employed members of staff still work for me?

Yes, if they are able to support with new approaches to work remotely and see urgent cases only on a face to face basis.

What PPE should I be using if I need to see an urgent care patient face to face?

You should check regularly for the latest government advice on PP on the following link. We include this link as information and guidance may change frequently and it is vital that you follow the most up to date PHE infection prevention and control directives - see here

Should I close my practice if a patient is found to have Covid-19?

If it is absolutely necessary for you to see a patient with COVID-19 or suspected COVID-19 face to face in your practice as an urgent case, you should follow the latest government guidance on cleaning in primary care settings found in the following link 

And follow latest guidance on management of equipment and the care environment here

  

Who should I tell if I close the practice completely (i.e. not even offer remote consultation and face to face for urgent cases)?

If you need to close your practice due to Covid-19 you have a duty of care to your patients and must inform them of your closure. You must make sure you have communicated any appropriate safety netting advice for the clinical condition for which you were treating them. You should also let them know the reason for closure and signpost them to public facing information about Covid-19. Your patients should be following all current government advice related to social distancing and self-isolation.

What should employed members of staff do if my practice has to close?

Determine whether employed members of staff could be redeployed to undertake some tasks from home such as completing CPD courses. They may also be able to utilise tele-health/skype consultations with patients if you intend to use this option. The CSP has guidance to support this alternative delivery here

If it is not possible to provide any work during the COVID-19 pandemic restrictions then employees will still need to be paid unless it is covered in the contract or agreed otherwise. You may be able to claim back wage costs for ‘furloughed’ employees from the government’s Coronavirus Job Retention Scheme: see here

What if the practice can’t meet any contractual obligations (e.g. NHS or corporate contracts) because of the disruption?

Most contracts have a force majeure clause to help a practice if it cannot meet its contractual obligations, because of something happening outside their control; known as a force majeure event. COVID-19 can amount to a force majeure event. If, because of issues with COVID-19, a practitioner is ill or the practice has to close, the practice can claim that they have been prevented from meeting their obligations because of a force majeure event.

Will my insurance cover me/my practice?

The CSP PLI scheme is not business insurance and provides cover (subject to the terms and conditions of the policy) for the following: Medical Malpractice Insurance. This covers claims for personal injury to your patients arising from your work e.g. failing to assess and treat properly or harming your patient with your treatment
Public Liability Insurance. This covers non-personal injury claims that are not associated with your treatments e.g. slips, trips and falls coming in and out of your clinic. We advise you to get in contact with your business insurance provider to confirm whether you are covered for loss of earnings or business disruption due to COVID-19.

If you chose to redeploy to the NHS at this time the NHS employer's vicarious liability will cover you for any tasks and activities you are required to do as part of your temporary role.

Will my business interruption insurance policy cover me for Covid-19?

Businesses are encouraged to check the terms and conditions of their specific policy and contact their providers. However, we are aware of significant concerns from members with regards to their ability to claim.
We are working with Physio First and the CSP insurance broker Greybrook Hallam to understand how we might best pursue this issue. Graybrook Hallam have provided the following advice in the meantime:
Members should consider a personal accident or illness policy to protect their own incomes whilst unable to work or refer to their clinic insurance for potential covers that may apply due to closure. Some clinic insurers may include closures due to an outbreak of a “Notifiable Disease” at the premises, others may specify the nature of the disease which COVID 19, as a new virus, is unlikely to be included. Helplines are also available under some clinic policies to help with Health & Safety issues and contingency planning if current locations become untenable.
Steps you can take in the meantime:
Step 1. Business insurance policies are broken into sections covering different types of events, which means you might have a section for damage to your property and another for injury to customers.
If you are covered at all, then the Business Interruption section of your policy will be the relevant one for coronavirus (note we are focusing on general cover for the business itself; some businesses will have other types of more specialist cover with its own sections and terms, such as Group Personal Accident or Health Insurance for your employees).
You can find this section by looking at your policy schedule to see if the Business Interruption section is included, then follow this into your policy wording to see what it covered and if there are any extensions applicable or restrictions to this cover.
Step 2. Read the policy wording to see if you have cover against coronavirus COVID-19 Typically, business interruption cover can protect against virus outbreaks and diseases like coronavirus.
To find out if you’re covered, you need to:
o Look for a list of specific diseases that are covered. Generally the insurers list of covered diseases will include: Acute Encephalitis, Acute Poliomyelitis, Anthrax, Chickenpox, Cholera, Diphtheria, Dysentery, Legionellosis, Legionnaires Disease, Leprosy, Leptospirosis, Malaria, Measles, Meningococcal Infection, Mumps, Ophthalmia Neonatorum, Paratyphoid Fever, Bubonic Plague, Rabies, Rubella, Scarlet Fever, Smallpox, Tetanus, Tuberculosis, Typhoid Fever, Viral Hepatitis, Whooping Cough or Yellow Fever.
o Look through this section for any applicable cover relating to ‘Notifiable Disease’ (without a specified list) or contagious and/or infectious disease. You may find this under the ‘Extensions’ section of your policy wording.
Coronavirus COVID-19 has been labelled by the government as a ‘Notifiable Disease’, which means if your policy covers these diseases (without a specified list), you may have some cover in specific scenarios.
Step 3. Read the wording to determine how broad your cover is and in what scenarios it applies
Even where coronavirus can be covered (as a Notifiable Disease, for example) your Business Interruption section won’t cover you simply because the virus exists, and certain events will need to happen before your insurance kicks in, such as:
o Your business being closed by the government or a local authority.
o The Notifiable Disease is present at your premises or within a specified distance of your premises (refer to your individual policy wording for the specifics to your policy).
Insurance policies, and particularly the Business Interruption section, will be in place to potentially provide cover for loss of income or profit (depending on your policy) should your business be closed.
If you’ve suffered a reduction in customers due to coronavirus or COVID-19, it’s unlikely there will be cover in place for this. Similarly, if there is a delay with suppliers or stock, it’s unlikely that cover will be in place to recover these costs or any money lost as a result of the delays or cancellations.
It’s also worth considering that the ‘normal’ risks involved in running a business, such as accidents, and thefts, could also increase as a result of the coronavirus outbreak, particularly if your business is operating with fewer staff, or if police forces are stretched and crime rates increase.

It’s worth making sure your business insurance is up to date and covers you against these ‘everyday’ risks.

How can private practitioners apply to work in the NHS?

Please see our guidance here 

Also be reassured that if you chose to join the NHS they will hold vicarious liability for however you are asked to work in any setting or context.

Also please have a read of the FAQs on upskilling and re-deployment here 

Additional sources of support

  • For those experiencing financial hardship please consider approaching the CSP Members’ Benevolent Fund (MBF) which is a registered charity which supports past and present members of the CSP who are experiencing financial difficulty or hardship.
  • You may have insurance to cover you for sickness absence. It is worth checking your own insurance policies.
  • Visit the Government or The FSB website for further information about matters pertaining to your business.
  • For support and friendship from our Physio First community join and participate in our private forum on LinkedIn.
  • Keep reading these FAQs as they are updated and as things change we will be talking to the CSP regularly.

 

Face to Face Consultations

A simple way to decide whether you should see patients face to face

During the COVID-19 emergency the physiotherapy workforce, regardless of sector or setting should be compliant with UK government advice and follow NHS guidance for healthcare professionals. What follows is based on guidance from NHS England. In the absence of specific guidance from the other UK countries, it should be used widely.
Patients should only be offered face-to-face consultations if:

  • They are in hospital and require physiotherapy.
  • You have a high suspicion of risk of serious deterioration from underlying pathology and you are unable to determine this remotely 
  • They have urgent rehabilitation needs, which if not met, will require care from General Practice, secondary care or social care agencies.  This is particularly important if they themselves are a carer of someone who is vulnerable.
  • They require rehabilitation to support their rapid discharge from secondary care.  

 All other physiotherapy consultations, at this time (and until further notice) should be remote.

See the attached flowchart to inform your clinical decision-making.

 

Covid-19 business support

Last updated 30.03.20

I am a small business receiving small business rate relief (SBBR) and/or rural rate relief (RRR) what support is there for my business?

If you are a business in the UK, occupy property and are already receive SBBR and/or RRR the government is providing a one-off grant of £10,000 to help meet your ongoing business costs. Your local authority will write to you if you are eligible for this grant. Any enquiries on eligibility for, or provision of, the reliefs and grants should be directed to the relevant local authority. You can find your local authority by visiting www.gov.uk/find-local-council 

More information about eligibility for this grant in the government’s guidance to councils can be found here

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here

Last updated 30.03.20

Are Private Physiotherapy Practices eligible for the business rates holiday for retail, hospitality and leisure businesses?

Although the guidance given to local councils around the eligibility for this relief does not specifically mention Physiotherapy clinics in its examples of “Medical Services” it deems not eligible for this relief (it gives the examples of doctors, dentists, vets, osteopaths and chiropractors only). In another government document “Closing certain businesses and venues” physiotherapy clinics are specifically listed under the heading of “Medical Services”. The eligibility for this relief will ultimately be decided by local councils themselves and how they interpret this guidance. Whether this will be directly related to what your property is registered as with your local council for business rate purposes, we just don’t know at this time and this may vary from local authority to local authority. Currently we anticipate that many of our members physio businesses will not be eligible for this relief. 

You can find the guidance issued to local councils on this here.

The government guidance on closing certain businesses and venues can be found here.

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here

Last updated 30.03.20

My business premises have a rateable value of over £15,000 and I am not entitled to small business rate relief (SBBR), am I eligible for a cash grant of up to £25,000 for retail, hospitality and leisure businesses?

Although the guidance given to local councils around the eligibility for this grant does not specifically mention Physiotherapy clinics in its examples of “Medical Services” it deems not eligible for this relief (it gives the examples of doctors, dentists, vets, osteopaths and chiropractors only). In another government document “Closing certain businesses and venues” physiotherapy clinics are specifically listed under the heading of “Medical Services”. The eligibility for this relief will ultimately be decided by local councils themselves and how they interpret this guidance. Whether this will be directly related to what your property is registered as with your local council for business rate purposes, we just don’t know at this time and this may vary from local authority to local authority. Currently we anticipate that many of our members physio businesses will not be eligible for this grant. 

You can find the guidance issued to local councils on this here: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachement_data/file/875613/Expanded_Retail_Discount_Guidance25.03.20.doc.pdf and here

The government guidance on closing certain businesses and venues can be found here: www.gov.uk/government/publications/futher-businesses-and-premises-to-close/futher-businesses-and-premises-to-close-guidance

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here

Last updated 30.03.20

What is the Coronavirus Job Retention Scheme, who is eligible for it and how do I access it?

The Coronavirus Job Retention Scheme is accessible to all UK employers with a PAYE scheme. The scheme enables businesses access to support to continue paying part of their employees’ PAYE salary for those that would otherwise have been laid off during this crisis. It applies to employees who have been asked to stop working, but who are being kept on the pay roll, otherwise described as ‘furloughed workers’.

HMRC will reimburse 80% of their wages up to £2,500 per month (please note that our current understanding is that this is a gross figure i.e. 80% of a £37,500 gross salary, anyone earning a salary above this figure will have their reimbursement from HMRC capped at £2500 per month). For employees whose pay varies employers can claim for the higher of either: the same month’s earnings from the previous year or the average monthly earnings from the 2019-20 tax year. For employees employed for less than a year, employers can claim for an average of their monthly earning since they started work.    

This is to safeguard workers from being made redundant. The furloughed worker’s employer may choose to pay the difference between this amount and the employee’s full salary, but does not have to. The scheme will cover the cost of wages backdated to 1 March and is initially open for 3 months, but will be extended if necessary. 

To access the scheme employers will need to:

  • designate affected employees as ‘furloughed workers’ and notify your employees of this change. A sample template letter for employers to send to ‘furloughed workers’ can be found here - PF sample letter
  • Submit information to HMRC about the employees that have been furloughed and their earnings through a new online portal (HMRC will set out further details on the information required in due course)

The scheme includes both full and part-time workers on PAYE including those on zero hours contracts and in a physiotherapy clinic context includes both clinical and non-clinical staff. More detailed guidance regarding the Coronavirus Job Retention Scheme can be found here

HMRC are working urgently to set up a system for reimbursement although this is not expected to be in place until sometime in April. 

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here

Last updated 30.03.20

What is a furloughed worker?

A furloughed worker is an employee who has been asked to stop working by a company, but is being kept on the payroll to safeguard them from redundancy. HMRC will reimburse 80% of their wages up to £2,500. The furloughed worker’s employer may choose to pay the difference between this amount and the employee’s full salary, but does not have to. A furloughed worker cannot work for their employer or carry out any other paid work once they have been furloughed. For the avoidance of doubt, this includes undertaking remote physio consultations.

A worker can be put on furlough by one employer and continue to work for another, if it is permitted within their employment contract. If a worker is put on furlough by more than one employer, they’ll receive separate payments from each employer. The 80% of their normal wage up to a £2,500 monthly cap applies to each job.

The minimum length of furloughing to qualify for the scheme is 3 weeks. 

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here

Last updated 30.03.20

I have been designated as a ‘furloughed worker’, what does this mean and what do I need to do?

This means that you have been asked by your employer to stop working for the company, but you are being kept on the company payroll to safeguard you from redundancy. You should not undertake work for your employer or paid work for anyone else (including the NHS) while you are furloughed, although you are able to undertake volunteer work. This will allow your employer to claim a grant of up to 80% of your wage for all employment costs, up to a cap of £2,500 per month.

You will remain employed while furloughed. Your employer could choose to fund the differences between this payment and your salary, but does not have to. More detailed guidance for employees about the Coronavirus Job Retention Scheme can be found here

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here

Last updates 30.03.20

I’m self-employed, is there any help form the government to support my income?

The government has announced the Self-Employment Income Support Scheme (SEISS) where the government will pay self-employed people who have been adversely affected by Covid-19 a taxable grant worth 80% of their average monthly profit over three years up to a maximum of £2,500 a month. This scheme will be open to people across the UK for at least 3 months and will be extended if necessary. You will be able to claim these grants and continue to do business. 

This scheme is open to anyone with trading profits of up to £50,000 and has tax return for 2019. If you missed the filing deadline in January you have until 23 April 2020 to submit your 2019 tax return and be eligible for the scheme. 

Those who pay themselves a salary and dividends through their own company are not covered by the scheme but will be covered for their salary by the Coronavirus Job Retention Scheme if they are operating PAYE schemes. 

HMRC will contact you directly if you are eligible for the scheme, ask you to fill out a simple online form and pay the grant directly into your bank account. This scheme is expected to be in operation no later than the beginning of June.

More details on SEISS can be found here

Self-employed people are also able to access the business interruption loan scheme which provides loans of up to £5million and for up to 6 years with the first 12 months being interest free. For more details about this please see our FAQ on the business interruption loan scheme.

Self-employed workers are also able to have immediate full access to universal credit for those that are struggling right now. Visit www.gov.uk/universal-credit for more information. 

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here

Last updated 30.03.20

I am a company director and receive my income through PAYE and dividends, am I classed as self-employed or employed in relation to the schemes that the government has put in place to support workers?

It has been confirmed by the government that if you are the director of your own company and pay yourself through PAYE and dividends you are only able to claim 80% of PAYE income through the Coronavirus Job Retention Scheme for employed workers. You are unable to claim anything for dividend payments through the Self-Employment Income Support Scheme. 

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here

Last updated 27.03.20

Is there any other help for businesses and individuals who are struggling to afford to pay tax at this time?

There are a few ways in which the government are helping individuals and businesses who are struggling to pay tax at this time. They are as follows:

  • Deferring Value Added Tax (VAT) payments for 3 months from 20 March 2020 until 30 June 2020. This is an automatic offer with no applications required. Business’ will not need to make VAT payments during this period. Taxpayers will be given until the end of the 2020/21 tax year to pay any liabilities that have accumulated during the deferral period.
  • Income Tax payments due in July 2020 under the Self-Assessment system may be deferred until 31 January 2021. The deferment is optional. If you are still able to pay your 2nd payment on account on 31 July 2020 you should do so.
  • Time to Pay extended. HMRC have scaled up their Time to Pay offer to all firms and individuals who are in temporary financial distress as a result of COVID-19 and have outstanding tax liabilities such as Income Tax or Corporation Tax. These arrangements are agreed on a case-by-case basis and are tailored to individual circumstance and liabilities. If you have missed a payment or fear you might miss your next payment due you can call HMRC’s dedicated helpline: 0800 0159 559
  • 3-month filing extension for businesses. Businesses are being given an additional 3 months to file accounts with Companies House to help companies avoid penalties as they deal with the impact of COVID-19. Companies will have to apply for the 3-month extension for it to be granted, those citing issues around COVID-19 will be automatically and immediately granted and extension. Applications can be made at https://beta.companieshouse.gov.uk/extensions

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here 

Last updated 30.03.20

What is the Coronavirus Business Interruption Loan Scheme and how do I access it?

The temporary Coronavirus Business Interruption Loan Scheme supports SMEs with access to loans, overdrafts, invoice finance and asset finance of up to £5 million and for up to 6 years. The government will also make a Business Interruption Payment to cover the first 12months of interest payments and any lender-levied fees, so smaller businesses will benefit from no upfront costs and lower initial repayments. The scheme will be delivered through commercial lenders, backed by the government-owned British Business Bank.

You are eligible for the scheme if:

  • Your business is UK based, with turnover of no more than £45 million per year
  • Your business meets the other British Business Bank eligibility criteria which can be found here 

The scheme is now open for applications. All major banks are offering this scheme so to apply please speak to your bank as soon as possible to discuss your business plan.

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here 

Last updated 30.03.20

I am going to struggle to pay my commercial rent due to COVID-19, what can I do?

Commercial tenants who cannot pay their rent because of COVID-19 are being protected from eviction. Measures put in place by the government mean no business will automatically forfeit their lease and be forced out of their premises if they miss a payment up until 30 June 2020. There is the option for the government to extend this period if needed.

This is not a rental holiday. All commercial tenants will still be liable for the rent.

It may well be worth contacting your landlord in the first instance to see if you can come to some arrangement regarding reduced/discounted rent during this period.

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action – see link here

Last updated 30.03.20

I have been designated as a furloughed worker, can I re-deploy to the NHS

If you are already working for the NHS then you can continue to do so while you are furloughed from your private practice employer. 

It is our current understanding that furloughed workers are not able to undertake any new paid work whilst they are furloughed. If you would like to re-deploy to take on a paid role within the NHS our understanding is that you will need to give notice to your current employer that you wish to leave their employment to take up a role elsewhere. You will cease to be an employee of your current employer and will become an NHS employee whilst undertaking work for them. Although your current employer may be willing to allow you to return to your previous role after this crisis they will be under no obligation to keep that job role open for you whilst you work for the NHS. We are seeking to gain further clarity on this from the government and NHS England as soon as possible and will update our members via this FAQ and e-alerts as soon as we do. 

As Physio First we are trying to make finding the information as easy as possible. Whilst we will update each FAQ as quickly as we can, please check against Govt rules before taking any action - see link here 

Last updated 30.03.20

How have the insolvency rules changed and how may this help protect my business?

The government has announced a temporary suspension of the “wrongful trading laws” which form part of the Insolvency Act 1986. The wrongful trading laws can cause directors to be personally liable for their company’s creditor debts if they have knowingly made transactions in and out of the business with the knowledge that the company is insolvent. The temporary suspension of wrongful trading provisions for company directors is to remove the threat of personal liability during the pandemic, this will apply retrospectively from March 1.