On 9 April 2020, the Federal Government enacted its changes to the Fair Work Act 2009 (Cth) and other amendments which will impact organisations as a result of the COVID-19 pandemic.

This article outlines the key changes introduced by the Coronavirus Economic Response Package (Payments and Benefits) Act 2020, the Coronavirus Economic Response Package Omnibus (Measures No.2) Act 2020 (the Acts) and Coronavirus Economic Response Package (Payments and Benefits) Rules 2020 (the Rules), and the impact of these reforms on employers.

The objectives of the Acts and Rules

The Acts and the Rules will operate from 30 March 2020 to 27 September 2020 and will be administered by the Commissioner of Taxation.

The Coronavirus Payments and Benefits Act introduces the Jobkeeper Scheme to provide wage subsidies for employees, and the Coronavirus Omnibus (Measures No.2) Act amends the Fair Work Act to provide organisations eligible for the JobKeeper Scheme with greater workplace flexibility in relation to their employees.

The main objectives of these reforms are to enable eligible employers that are suffering financially due to COVID-19 to:

  • claim JobKeeper payments (a $1,500 fortnightly payment to subsidise wages for pre-registered eligible workers including some regular casuals); and
  • stand down specific employees without pay (partially or completely) for any period that they cannot be usefully employed; and
  • change employment arrangements by lawful direction, request or agreement (e.g. duties/tasks, location of work and working hours, taking leave) for specific employees.

These changes will override any modern award, enterprise agreement or employment contract, and are subject to strict legal requirements.

What employers are eligible?

Employers will be eligible for the JobKeeper payment under the Acts and the Rules if:

  • they carried on business in Australia or were a not-for-profit organisation that pursued its objectives principally in Australia on 1 March 2020;
  • their business faces a:
    • 15 percent fall in turnover (for ACNC registered charities other than universities and non-government schools);
    • 30 percent fall in turnover (for an aggregated turnover of $1 billion or less); or
    • 50 percent turnover (for an aggregated turnover of more than $1 billion);
  • they are not an ineligible entity; and
  • they employed at least one eligible employee on 1 March 2020, and their eligible employees are currently employed for the fortnights claimed (including those stood down or rehired).

How is revenue reduction calculated?

To satisfy the decline in turnover test, an employer must be able show that the current or projected GST turnover in a:

  • a calendar month ending after 30 March 2020 and before 1 October 2020; or
  • a quarter that starts on 1 April 2020 or 1 July 2020,

is at least 15 percent, 30 percent or 50 percent less than the corresponding turnover period in 2019 for their relevant entity type. For example, if an ACNC registered charity (excluding a non-government school or university) can demonstrate that it carried on a business in Australia prior to 1 March 2020 and that its projected GST turnover in April 2020 is 15 percent less than its revenue in April 2019, it will satisfy the revenue reduction requirement of the JobKeeper scheme.

The Commissioner for Taxation has discretion to set alternative or additional tests to qualify for the JobKeeper Scheme by legislative instrument.

What entities are excluded?

The following entities do not qualify for the JobKeeper Scheme.

  • a company which was already in liquidation or had a provisional liquidator appointed prior to the Acts and Rules; and
  • any entity that is wholly owned by a local governing body or Australian government agency.

What are the nomination and application requirements?

The JobKeeper Scheme requires eligible entities and employees to comply with specific nomination requirements. An entity must notify an eligible employee that they intend to apply to the Scheme so that the employee can provide written notice in the approved form confirming that they are:

  • over 16 years of age;
  • employees or long term casuals of the organisation (not short term casuals of less than 12 months employment or with irregular shifts or volunteers);
  • Australian residents or residents for the purposes of the Income Tax Assessment Act (i.e. they hold a special category of migration visa);
  • agreeing to be nominated by the entity as an eligible employee for the purposes of the JobKeeper Scheme;
  • confirming they are only an employee of the organisation (e.g. in the instance of long term casuals); and
  • not double-dipping by nominating a second time to be an eligible employee (if they work at another organisation e.g. this will be more relevant with long term casual workers or relief teachers at schools).

Employees that receive parental or partner leave pay at any time or receives workers compensation payments because they are totally incapacitated for work during any of the fortnightly period(s), will not be classified as eligible employees.

Entities will then need to:

  • register interest in the JobKeeper payment with the ATO;
  • obtain a notification of consent form from each employee to be included in any JobKeeper application;  and
  • notify the ATO in the approved form:
    • that it wants to participate in the Scheme;
    • of details of the eligible employees each fortnight;
    • of the organisation’s previous monthly GST turnover and projected GST turnover for the next month.

If the Commissioner for Taxation is satisfied that the organisation meets the requirements of the Acts and Rules it will make the fortnightly JobKeeper subsidy payment of $1,500 to the organisation in accordance with the Acts and the Rules.[1]

What are the new stand down and workforce flexibility provisions?

The new stand down and workforce flexibility provisions allow an employer to direct an employee to:

  • not work on specific day(s) which they would usually work,
  • work for a lesser period than the employee would ordinarily work on a particular day or days,
  • work a reduced number of hours (compared with the employee’s ordinary hours of work), and not be paid for the period that work is not performed; and
  • take paid annual leave.[2]

An entity can do this provided that:

  • they are eligible for the JobKeeper Scheme and entitled to one or more JobKeeper payments at the time that the JobKeeper direction applies;
  • they provide the employee with at least three days written notice of their intention to give the direction (or a lesser period by agreement) and consult with the employee (or their representative) about the direction;
  • the period of the stand down is because the employee cannot be usefully employed due to the business changes associated with COVID-19 pandemic or Government initiatives to slow the transmission of COVID-19 (see below);
  • the implementation of the stand down for the employee meets health and safety requirements, particularly in respect of the nature of spread of COVID-19. This is important when directing employees to work remotely or in a different place of business. The place must be suitable for the employee’s duties;
  • in the case of workplace flexibilities, the new duties are:
    • within the employee’s skill and competence, including the requirements to hold any licences/qualifications;
    • reasonably within the scope of the organisations business operation;
  • in the case of paid annual leave:
    • the organisation has made the request to the employee;
    • the employee considers and does not unreasonably refuse the request; and
    • the employee will maintain a balance of paid annual leave of no fewer than two weeks;
  • the wage condition is satisfied because the entity qualifies for the JobKeeper Scheme and is entitled to payments under the Acts (e.g. the organisation paid the employee at least $1,500 a fortnight prior to 1 March 2020 inclusive of salary, wages, bonuses, commissions and allowances. For organisations that pay staff monthly wages, this amount will need to be calculated by what the employee would be allocated during a fortnight(s);
  • the minimum payment guarantee is met (see below); and
  • the hourly rate of pay guarantee is met (i.e. where an employer provides an employee with a stand down direction, the employer must ensure that the hourly base rate of pay is not less than the rate that usually applies to the employee (as if the direction had not been given to the employee). The only exception is if the duties of the employee have changed – the hourly base rate should be the greater of the previous duties or the rate applicable to the new duties now being performed).

How do I know when an employee can’t be usefully employed?

An employee can’t be usefully employed for the purposes of the Acts and the Rules when employee has no (or a reduced level of) useful work available to performed because of the COVID-19 pandemic or because of the Public Health Orders and state based Directions imposing restrictions on individuals and entities.

For example, a Victorian organisation that runs school camps in Term 2 of 2020 may not be able to usefully employ all staff due to the Victorian government’s restrictions and the decision to move to remote school learning. Therefore, there may be a period from April to June where the entity is captured by the JobKeeper Scheme, cannot have 100 percent of its employees undertaking their normal workload, and does not have any other or useful work available for the remaining employees to perform.

Useful work does not have to be the work that the employee ordinarily performs but needs to be genuine productive work that provides a net benefit to the employer. Employers should be able to demonstrate that the impacts of the virus or the Government’s measures to deal with it have caused the fact that there is none, or less useful, work available.

What is the minimum payment guarantee?

If a JobKeeper payment is payable to an employer for an employee for a fortnight, the employer must ensure that the total amount payable to the employee in respect of the fortnight is not less than the greater of the following:

  • the amount of JobKeeper payment payable to the employer for the employee for the fortnight; or
  • the amounts payable to the employee in relation to the performance of work during the fortnight.

This means that organisations must use the Jobkeeper payment to cover or supplement the normal wage of the employee, and cannot pocket this extra money or use it for other purposes. For example, if an employee is normally paid $1,750 per fortnight for the work that they do within the organisation, the organisation must still cover the remaining $250.

The amounts payable includes salary, wages, bonuses, commissions and allowances payable in respect of the fortnight.

What is the hourly rate of pay guarantee?

If an employer provides and employee with a stand down direction, the employer must ensure that the hourly base rate of pay is not less than the rate that usually applies to the employee (as if the direction had not been given to the employee).

If an employer has directed the employee to perform different duties to normal, the employer must ensure that the employee’s hourly base rate of pay is not less than the greater of the:

  • the hourly base rate of pay that would have been applicable to the employee if the direction had not been given to the employee.
  • the hourly base rate of pay that is applicable to the duties the employee is performing.

For example, if an employee was earning $25 an hour prior to the stand down, they must still receive the equivalent of $25 an hour despite the change in working hours or arrangements. The only exception is if the duties of the employee have changed and the hourly base rate should be the greater of the rate for the previous duties or the rate applicable to the new duties now being performed.

What other requirements apply to workforce flexibility directions?

An employer can only provide a workforce flexibility direction (e.g. changes in duties/tasks, location of work and working hours, taking leave) if the employer has information before them that leads them to reasonably believe that a JobKeeper direction is necessary to maintain their employment.

In short, this means that organisations need to satisfy itself that “but for this direction, the employee would be made redundant”.

How Moores can help

Moores is currently providing advice and support to our clients who are navigating the complex requirements of the JobKeeper Scheme. If you’d like to understand your rights, responsibilities and options to ensure your workforce is safe, sustainable and prepared to brace the ramifications of COVID-19, please do not hesitate to contact us.


[1] See Coronavirus Economic Response Package (Payments and Benefits) Rules 2020 sections 14 and 15 at https://www.legislation.gov.au/Details/F2020L00419

[2] Note that this can also occur by request or agreement. Organisations can also request or agree with an employee that they take double leave on half pay. For example, an employee agrees to take four weeks leave but only has two weeks annual leave deducted from their leave balance and is only paid for two weeks’ worth of leave.

Victorian registered schools are now permitted to mark the roll once per day, instead of twice, which is required by the Minimum Standards (Attendance register, under Enrolment Minimum Standard).

Consistent with our advice to school clients, the VRQA however notes that:

“It’s important schools continue to ensure the care, safety and welfare of their students, including child safety and the risks posed in an online environment. Schools should consider the duty of care owed to their students and that different and sometimes greater measures need to be taken for younger students or students with disabilities.

The ministerial direction is in place for the duration of Victoria’s state of emergency or until a date determined by the Secretary, during which time the VRQA is to refrain from:

  • reviewing or evaluating school compliance with the prescribed minimum standard for monitoring and recording student attendance twice a day
  • pursuing a principal or person in charge of a registered school for non-compliance with section 4.3.7 of the Education and Training Reform Act which states it is an offence if attendance is not recorded in the attendance register in accordance with the minimum standard.”

The Ministerial Direction dated 14 April 2020 will last for as long as the state of emergency lasts, and applies to school compliance from 14 April 2020 until end of the state of emergency.

Attendance Recording Advice has also been published by the Department. One FAQ provides:

“Schools may use a range of mechanisms to determine if students are attending in a remote learning context. This includes:

  • Learning contact: the school verifies that the student has engaged with learning tasks through participation in teaching schedule. This may include through the student’s engagement with the school’s learning platform, through teachers’ direct interactions with the student and through student’s submission of work.
  • Student, parent or carer contact: the school makes contact with the student, parent or carer to verify the student’s participation that day.
  • Onsite attendance: student is recorded as present at a school site for onsite programs.”

Next steps

If you have any questions about your compliance with the Minimum Standards during this time, please do not hesitate to contact us.

While most States are still finalising plans for Term 2, it is clear that school is going to look very different in light of COVID-19. Many schools will be moving online and utilising remote learning environments.

Guidance from the Office of the eSafety Commissioner and other digital organisations have been that the combination of remote learning and increased online activity by students is likely to create increased child safety risks. Whilst regulators are expected to announce some flexibility or accommodation in relation to curriculum learning areas, child safety and risk management obligations will not change. Parents have a duty to maintain a safe physical environment, while schools will be required to maintain a safe online environment.

This article covers our key tips for schools to facilitate a child safe remote learning environment and mitigate risks to students.

What will Term 2 look like for each State?

This section provides a summary of the guidance provided by each State regarding Term 2. Please note that this is continuously changing and the information provided is relevant as at 10am on the date of this article. Schools should refer to the relevant government department for the most up to date information.

Schools should also keep in mind that other requirements may also apply, such as requirements in most states that camps, excursions, assemblies, sports and other activities be postponed or cancelled.

StateStart DateRemote Learning
ACT28 April 2020 (TBC)Schools have been pupil free since 24 March 2020 (except students who need to attend) to allow schools to prepare for remote learning. Guidance for Term 2 has not yet been released. 
NSW28 April 2020 (TBC)Guidance for Term 2 has not yet been released. However, it is expected to be similar to guidance towards the end of Term 1 which is that parents are encouraged to keep their children at home if possible but schools remain open for students who need to attend. 
NT20 April 2020NT Government has indicated that schools should be prepared to move to flexible learning for Term 2, with schools beginning holidays early in Term 1 to allow them to prepare for the change. 
QLD20 April 2020Guidance for Term 2 has not yet been released. However, it has been indicated that schools may move to home-based learning.
SA27 April 2020 (TBC)To date, schools are expected to remain open but parents may keep their children at home. Schools were given four student free days before Easter to prepare for online and flexible teaching options. 
TAS28 April 2020Students to learn from home where possible but schools to remain open for students who cannot learn at home. Schools will close if there is a confirmed case of COVID-19 at that school. 
VIC15 April 2020All students who can learn from home must learn from home. All staff members who can work from home must work from home. Staff who are medically vulnerable or live with medically vulnerable people must not work on-site. Minimum teacher to student ratio of 1:8 and a maximum of 10 students in a room. 
WA28 April 2020 (TBC)Guidance for Term 2 has not yet been released. However, at the end of Term 1, guidance was that students were encouraged to learn from home if possible. 

Key child safety risks

Moving to remote learning will lead to both an exacerbation of existing child safety risks and create new hazards. Schools need to be mindful that their child safety obligations continue to comply, including their duty of care, reporting requirements and compliance obligations.

Some of the key risks include:

  • Staff members grappling with maintaining professional boundaries with students while engaging with them directly online, in circumstances where this has often been prohibited or discouraged in the past;
  • Students experiencing heightened levels of stress, isolation and anxiety as a result of social distancing requirements and the impact on their studies;
  • Students suffering abuse or being exposed to violence at home;
  • Student-on-student abuse including cyberbullying, image based sexual abuse and other types of inappropriate online behaviour both on school platforms and social media;
  • Online abuse as students explore new forms of social media and online networks;
  • Outsiders gaining access to online classrooms or materials;
  • Students accessing the online environment to a much greater extent without parents, who are working, being available to minimise or monitor activity;
  • Breaches of student privacy and confidentiality;
  • Students becoming disengaged from studies; and
  • Discrimination risks as schools need to continue to make reasonable adjustments for students with disabilities, learning disabilities or other vulnerabilities.

Top tips

To ensure schools maintain a child safe remote learning environment, we recommend that schools keep in mind the following top tips.

  1. Understand your risks

    Most schools will be utilising online platforms that are new and unfamiliar. It is important that schools undertake a thorough risk analysis of both the platforms and moving to remote learning to understand their unique risk profile. This will also allow schools to prioritise action during a busy time. Conduct Privacy Impact Assessments of technology, and understand how information is captured, stored, secured (or not) and used. Ensure that educators know how to “lock” rooms, how to avoid students setting up “side” rooms or rooms within rooms, and which platforms are school-endorsed.
     
  2. Set clear expectations of behaviour

    Schools must set clear expectations of behaviour with staff members, students and parents. This should be through either amending existing Codes of Conduct or providing tailored codes for remote learning.
     
  3. Continue child safety training

    It remains important, if not more important, for schools to be educating staff members on child safety. This should be tailored to remote learning environments, including expectations of behaviour, noticing red flags, guidance on privacy settings and locks on school platforms and recapping reporting requirements.
     
  4. Provide training or information to students

    Along with training for staff members, schools should be considering training for students on staying safe online. For older students, this should include use of social media, apps and online games and guide them through privacy and safety features. For younger students, consider inviting parents in to the training as well to ensure a cohesive approach to child safety.
     
  5. Run regular Child Safety Officer meetings

    With the majority of school staff are also working from home, there is a risk that information regarding red flags and child safety concerns will fail to be shared. Child Safety Officers will play a critical role in being a contact point to discuss any concerns. We recommend schools set up recurring Child Safety Officer meetings and provide clear communication to staff members regarding who the officers are and their contact details. Advise staff and students about reporting channels, especially if the usual phone or email will not be answered.
     
  6. Monitor online activity

    Ensure you as a school are able to monitor and record activity on any platform you are using. Schools need to be aware that any inappropriate behaviour that occurs through the use of school online platforms could be a breach of their duty of care. Similar to monitoring students while on the school premise, schools should be monitoring online behaviour including emails, messages and other online communication. Staff members should be reporting any inappropriate content.
     
  7. Comply with reporting requirements

    Regulatory authorities have reminded schools that their reporting requirements will continue to comply. In fact, many organisations have reported an increase in domestic violence due to social and financial pressures. It is important that schools remind staff members of their reporting obligations, particularly those with strict timeframes such as reportable conduct schemes. Ensure the ongoing availability of school counsellors too.
     
  8. Provide guidance to parents

    Schools will have much less oversight of students while they work from home. Schools must work in partnership with parents to create a child safe environment. Consider providing guidance to parents on how they can interact with the school and the risks they should be aware of. Manage parent expectations about the nature and extent of online learning, and their involvement in any virtual classrooms and brief them well in advance. Government guidance notes schools cannot rely too heavily on parents to assist with learning or to monitor any online activity. They will be likely working too and potentially caring for other family members as well. Make sure the parents know who they can contact with any queries or concerns, and that usual grievance procedures can still be followed. They should also be made aware of requirements for a safe physical environment.
     
  9. Keep updated on governmental guidance

    Guidance for State and Federal governments is being constantly updated as the situation and medical advice changes. Schools need to be kept up to date on these changes. Consider assigning a staff member to provide a summary of any relevant updates on a regular basis.
     
  10. Evaluate, learn and improve

    Moving to a remote learning environment across the whole school will be a very new and unprecedented act for most schools and the education sector. It is important that schools review and evaluate their platforms, practices and procedures. Where there are gaps, see this as an opportunity to learn and improve to best ensure you are creating a child safe environment. Schools in the non-government sector can use this crisis as an opportunity to demonstrate why they are the schools of choice for so many in Australia.

Next steps

For further information or guidance on how to respond effectively to COVID-19, please do not hesitate to contact us.

Are you a member of a self managed superannuation fund (SMSF)?

Does your investment strategy includes ownership of a commercial property? 

Is your business run out of the property, and you pay rent to the SMSF trustee?

If you answer yes to these questions then this article is for you.

According to the Australian Taxation Office (ATO), there are currently almost 600,000 self managed superannuation funds (SMSFs) nation-wide, owning over $70 billion worth of non-residential property among them.

Given the strict regulation of SMSFs, many of  our clients have been wondering whether they are permitted to grant rent relief to their tenants in the context of the economic difficulties we’re seeing arising in the COVID-19 environment.

Thankfully, the ATO has now provided some guidance on this issue.

Rent relief where landlord is an SMSF

As you would likely be aware from media coverage, many tenants are approaching their landlords seeking rent relief to help them deal with the increasing economic impact COVID-19 is having on their income. 

It has been unclear whether SMSF landlords would be breaching their obligations under the Superannuation Industry (Supervision) Act 1993 (SIS Act) by granting such a request.  On the face of the legislation, it is likely that such action would render a SMSF non-compliant. 

However, guidelines just released by the ATO provide assistance for SMSF landlords who are considering offering rent relief to its related party tenant, allowing this to be done without risking non-compliance with the landlord’s SIS Act obligations.  

The ATO guidelines (available here) confirm that for the 2019-20 and 2020-21 financial years, that no action will be taken if the SMSF trustee offers “a temporary rent reduction” to a related party tenant.  It appears that so long as the rent reduction is temporary in nature, SMSFs are free to determine the amount of rent reduction and the rent reduction period amd market evidence is not required to support those numbers.  However, it’s important to note that the current ATO concession does not apply to other lease incentives or relief which are not a ‘temporary rent reduction’.

The guidelines make no distinction between commercial and residential leases – it appears that both are within the scope of the ATO concession.

Maintaining SIS Act compliance

In considering whether rent relief should be granted, the significance of non-compliance with SIS Act obligations should not be underestimated. 

Substantial monetary penalties can be imposed by the ATO on the SMSF trustee for non-compliance with requirements of the fund to deal at arm’s length (as if with an unrelated third party) and to meet sole purpose test (to increase a member’s retirement benefit).  

It is important that all reasons and arrangements are properly documented and as such, we recommend that SMSF trustees to consider seeking expert advice on each individual lease, property and tenant circumstances.

What does this mean for you?

If you are considering whether rent relief is appropriate in your SMSF arrangements, please get in touch with our team for further information or guidance. Senior Lawyer, Kate Drummond and Associate, Rowdy Johnson can be contacted on (03) 9843 0402.

While there is some relief for Victoria and Northern Territory associations, all associations should be aware of penalties that may apply in their own State or Territory. Registered charities will benefit from the ACNC’s announcement of an aligned approach to interpreting Governance Standard duties.

The temporary coronavirus insolvency safe harbor offers some protection to directors of corporations in respect of debts incurred by companies that are or become insolvent in the next six months (this period may be extended). Provided debts are incurred honestly and in the course of ordinary business, directors will be protected from civil penalties (of up to $200,000) and personal liability to compensate creditors or the company from losses arising from trading while insolvent. The protections apply to directors of both for-profit and not-for-profit corporations.

Incorporated associations are separately regulated in each State and Territory of Australia. This means that the extent to which the Corporations Act duty to prevent insolvent trading applies differs in each State and Territory. For the purposes of the temporary coronavirus insolvency safe harbor, the key differences are as follows:

Victoria

The temporary coronavirus insolvency safe harbor provisions do apply to Committee members – they are protected from the civil penalty for trading while insolvent and from liability to compensate creditors or the association for losses in the next six months.

Northern Territory

The temporary coronavirus insolvency safe harbor provisions do apply to Committee members – they are protected from the Corporations Act civil penalty for trading while insolvent and from liability to compensate creditors or the association for losses in the next six months.

However, there is no protection from the separate offence in the Associations Act 2003 (NT) of incurring debts not likely to be paid (maximum penalty $62,800 or two years)

New South Wales

The Corporations Act duty to prevent insolvent trading does not apply to New South Wales associations.

There is a separate offence under the Associations Incorporation Act 2009 (NSW) of incurring debts while insolvent (or that cause the association to become insolvent). A maximum penalty of $8,000 or one year’s imprisonment applies.

South Australia

The Corporations Act duty to prevent insolvent trading does not apply to South Australian associations.

There is a separate offence under the Associations Incorporation Act 1985 (SA) of incurring debts while insolvent (or that cause the association to become insolvent). A maximum penalty of $5,000 applies.

Western Australia

The Corporations Act duty to prevent insolvent trading does not apply to Western Australian associations.

There is a separate offence under the Associations Incorporation Act 2015 of incurring debts while insolvent (or that cause the association to become insolvent). A maximum penalty of $5,000 applies.

Queensland, Tasmania and ACT

The Corporations Act duty to prevent insolvent trading does not apply in these jurisdictions.

There is no separate offence of incurring debts while insolvent. 

How we can help

The Australian Charities and Not-for-profits Commission has advised that it will align its interpretation of the Governance Standard duties (which includes a duty “not to allow the charity to operate while it is insolvent”) for all charities with the insolvency safe harbour provisions.

This means a charitable association will not be in breach of the ACNC Governance Standards if it trades insolvent between now and 25 September 2020, provided it:

  • ensures that its directors are aware of the issue and have an achievable aim for their charity to return to viability when the COVID-19 crisis has passed, and
  • informs its members and the ACNC if it is trading insolvent.

For further assistance or guidance on any of the matters above, please do not hesitate to contact us.


For more information regarding changes to Insolvent Trading Duties for Directors, please read our article here.

As part of its response to the national emergency arising from the spread of the Coronavirus, the government announced changes to insolvent trading duties in March 2020.

This will assist organisations under pressure to keep going, pay necessary staff and be positioned to return to normal business.

The relevant legislation (Coronavirus Economic Response Package Omibus Act 2020 (Cth) (the Act)) came into effect on 24 March 2020.  

Critically, the laws have been softened, not repealed, and other directors’ duties remain in place. 

Acting now, boards should:

  1. Ensure you have proper and thorough modelling on the effect of COVID.
  2. Stick to proper processes, including procurement. 
  3. Ensure management has clear view on “ordinary course of business”.
  4. Regularly review what constitutes “ordinary course of business”.  Business may contract and require further cost cutting.
  5. Understand the organisation’s solvency before COVID and note you may still need to place a company into administration.  The laws protect robust businesses which temporarily become insolvent, not those which were already.
  6. Proactively review contracts for services before terminating.  Do not assume you can obtain a refund, noting many fixed term contracts may need to be paid out.  Consider whether there are any “frustration” clauses or clauses which might be penalties, which could assist.  Be pragmatic about preserving relationships with suppliers you will need after the crisis abates.

Changes to Insolvent Trading – How does the coronavirus Safe Haven work?

By providing some relief to insolvency provisions of the Corporations Act, the changes seek to avoid otherwise robust organisations going into financial distress and collapsing due to the COVID-19 pandemic. For the next six months (which may be extended), if a debt is incurred in the ordinary course of a company’s business while that company is insolvent or that causes that company to become insolvent:

  • the civil penalty provisions in 588G(2) will not apply (protecting directors from a potential penalty of up to $200,000); and
  • consequently, directors cannot be required to compensate creditors or the company for any loss or damage suffered through insolvent trading.

Note these protections will not apply if a director dishonestly fails to prevent a debt being incurred. Further, this moratorium is not retrospective and does not apply to debts incurred before 24 March 2020.

For companies that are registered charities, the Australian Charities and Not-for-profits Commission has advised that it will align its interpretation of the Governance Standard duties (which includes a duty “not to allow the charity to operate while it is insolvent”) for all charities with the insolvency safe harbour provisions. This means a charitable company will not be in breach of the ACNC Governance Standards if it trades insolvent between now and 25 September 2020, provided it:

  • ensures that its directors are aware of the issue and have an achievable aim for their charity to return to viability when the COVID-19 crisis has passed, and
  • informs its members and the ACNC if it is trading insolvent.

What does the ordinary course of business mean?

This does not cover dishonesty and fraud but does include debts deemed necessary to facilitate the continuation of the business during the 6 month period commencing on 24 March 2020.  

This emphasises the need to ensure directors still exercise sound judgment and do not breach other directors’ duties. The laws have been relaxed, not repealed entirely.

These would still be problematic: an organisation increasing director pay, entering into agreements which involved a director’s conflict or interest, or entering into an unnecessary agreement involving excessive payments (in the school context, an example would be a prohibited arrangement).

However, entering into a modelled temporary insolvency to pay staff who are still working and who will be needed after the crisis, in the context of considered and suitable cost cutting, would be much less problematic.

In good news for employees, the Explanatory Memorandum specifically notes these would be likely to be in the ordinary course of business:

  • continuing to pay employees during the COVID-19 pandemic, or
  • a director taking out a loan to move some business operations online.

As this legislation was passed swiftly to enable businesses to survive in these extreme conditions, it could be expected that the term “ordinary course of business” will be widely interpreted.

Safe Harbour

In conjunction with this additional relief given by the Act, directors are still able to rely on the existing provisions of the Corporations Act which provide “safe harbour” from insolvent trading where they:

Start developing one more courses of action that are reasonably likely to provide a better outcome for the company than an immediate liquidation or administration. Directors are protected from insolvent trading liability arising from debts incurred directly or indirectly connected to such course of action.

That is, a debt incurred as a result of rescue financing may be provided safe harbour protection, if not by the new provisions of the Act.

Proper financial modelling is therefore key.

Bankruptcy

Further amendments to the Corporations Act include a temporary increase to:

  • the threshold for a creditor to initiate bankruptcy proceedings from $5,000 to $20,000;
  • the time period to respond to a bankruptcy notice from 21 days to 6 months; and
  • the period of protection a debtor receives after making a declaration or intention to present a debtor’s petition.

Statutory Demands

Previously, creditors could issue a statutory demand on a company for a debt of $2,000 or more. This threshold has now increased to $20,000. The time limit to respond to a statutory demand has been extended from 21 days to 6 months. Once again, these amendments only apply to statutory demands issued after 24 March 2020 and will only last for 6 months, unless the provisions are extended.

What does this mean for you?

In summary, the laws allow you to sleep at night, but diligent work is still required. Follow the 6 actions above to ensure you have the protection of the new regime.

How we can help

If in doubt or you require further information and/or guidance, please do not hesitate to contact us.

For more information on how Incorporated Associations are separately regulated in each State and Territory, please read our article here.

This story focuses on the work we did for a frail and elderly woman in her early 90s who wanted to recover money from a loan to a nephew.

Background

Our client approached Moores to prepare a new will and powers of attorney. Our client was in her early 90s and her only brother had passed away in recent years. She never married or had children and was feisty and independent. During our initial meeting, she mentioned that she was worried that her nephew was accessing her bank accounts via online access and withdrawing money. Our client also said she had transferred a large sum of money to him some years prior, and she wanted the money back.

The Problem

Our client wasn’t able to give us specific details about the transfer of money to her nephew, or particular transactions of concern. While our client had some documents at home that she had brought in, it was a considerable task for her to provide us with what we needed given her advanced age.

The Solution

We needed to understand what had happened – if anything – before we could recommend a strategy. Our first step was to obtain copies of our client’s bank account statements, the terms and conditions for those accounts and any authority to operate forms. We identified that the money our client recalled transferring to her nephew had actually been transferred to his family trust, so we also obtained copies of the trust deed and other trust related documents. We mostly worked with our client by phone, and used post and courier (in the absence of email) – on occasion she would attend our office by taxi. The use of Excel to analyse the financial data over a decade allowed us to see a large number of transactions that seemed out of place.

The Outcome

We obtained instructions to write to and meet with our client’s nephew. At that meeting, our client’s nephew provided further documents and explained a number of transactions, and asked us to continue discussions with his lawyer.

There were a number of factual and legal issues in dispute such as:

  • Were the funds transferred to his family trust a gift or a loan or something else?
  • What were the explanations for the many bank account transactions?
  • And what was the nephew’s role and legal obligations? 

The family trust was fully flexible, which meant there was no simple legal mechanism to compel repayment of the funds to our client. By working through the issues constructively with his lawyer, we were able to neutralise or resolve a large number of matters.

The outcome we achieved for our client was that the nephew paid to her over 80% of what we had sought on her behalf without the need to resort to any legal action or a protracted process.

How we can help

Moores is one of the few law firms in Australia that has a practice and is expert in elder financial abuse and elder law. For more information or guidance, please do not hesitate to contact us.

Melbourne has cemented itself as one of Australia’s fastest growing cities over the last five years. With an ever expanding population, it is to be expected that property growth corridors emerge and properties previously owned in a rural or environmental zone are rezoned into urban land creating an increase in value.

In determining a property settlement, the Family Law Act 1975 (Cth) requires the Court to consider the initial contributions of each party as well as the financial and non-financial contributions during the marriage.

The recent case of Jabour & Jabour [2019] FamCAFC 78 (“Jabour”) considered how an initial contribution of land which significantly increased in value due to the land being rezoned should be treated in the context of a separation.

The Facts

  1. The Husband acquired a part interest in two blocks of land at 12 years of age from his father.
  2. The Husband and Wife married in 1991 and separated on a final basis in May 2015. 
  3. During the marriage, the Husband sold his half interest in one of the blocks of land which was subdivided. He utilised the proceeds of sale to buy out the other party’s interest in the other large block of land which was not yet subdivided (“Property A”).  The parties made no further financial or exceptional non-financial contributions to Property A throughout the marriage.
  4. In 2010, the property was rezoned from non-urban land into an urban growth zone which permitted the property to be used for residential purposes. At the time of the Court hearing, Property A was valued in excess of $10,000,000.

Primary Decision

The primary issue for determination before the Court was whether the increase in value of Property A could be attributed to the Husband alone given he brought both properties into the relationship, or should it be considered as a joint contribution of both the Husband and Wife.

Of note, at the time of the Hearing, the parties had three adult children. The main asset in the property pool available for distribution was property A. Neither of the parties were high income earners. The parties agreed that their other contributions throughout the marriage were equal.

The Wife’s position was the property pool should be divided on an equal basis.  The Husband sought the property pool be divided 70/ 30 to him on the basis that he should receive a significant adjustment in respect of his financial contribution..

The primary judge held that the Husband should receive 66% of the property pool and the Wife 44% on the basis that “the Husband in bringing property A into the relationship has made a significant financial contribution which needs to be appropriately recognised.

The Wife appealed the decision to the Full Court of the Family Court.

Decision on Appeal

On Appeal, the Full Court overturned the decision of the Trial Judge so that the Wife should receive 47% and the Husband 53%. 

The Full Court considered the following in reaching their decision:

  1. The weight attached to an initial contribution, being Property A, must be assessed against the myriad of other contributions made by the Husband and Wife.
  2. The rapid acceded value of Property A was the result of fortunate rezoning rather than the efforts of either one of the parties. The increase in value does not favour one party over another.
  3. The parties decided not to sell Property A at an earlier stage and continued to live a modest lifestyle. This was considered to be a significant contribution on behalf of both parties which allowed them to enjoy the benefit of the increase in the land value.

Key Lesson

Jabour emphasises that careful consideration needs to be given to all contributions made throughout a relationship in determining how those contributions are to be treated in the event of separation. 

How we can help

For more information or guidance from our expert Family Law team regarding property settlement, please do not hesitate to contact us.

Right now, church properties across the country are underutilised as a result of the government directions to slow the spread of Coronavirus. But churches (particularly those constructed in the last 30-40 years) typically have great car parking and large level spaces which can be easily adapted.

As the need arises (which is starting to happen now), church properties should be made available for COVID-19 testing stations. Apart from places of worship, there are not many properties that are better placed for this kind of activity. 

Why would churches want to do this?

  • It is a way to serve the community and the nation, at a time of crisis.
  • It is a way for churches to be good stewards of real estate which may not be fully used for quite some time.

Reasons why churches might not want to do this:

  • It would disrupt the ‘broadcast’ of online church; and/or
  • Some churches might want to maintain access to church offices or gathering spaces (for those weddings and funerals, which can still happen in cut-down size).

Is it charitable?

Absolutely. Charities are required by law to use their assets solely to further their stated charitable purposes. It might seem that this use is not sufficiently ‘on purpose’ for a religious organisation. However, many various activities are an expression of faith. Churches hold car boot sales to connect with their communities. Plenty of other ancillary activities happen within religious organisations as part of its overall activities. This kind of activity is easily characterised as an expression of religious observance (eg, “love thy neighbour”).

Even if it was not strictly ‘religious’ in nature, it falls easily into the category of “other purposes beneficial to the community”. In our view no church would compromise any property tax exemptions by engaging in this kind of temporary use. Moores has been able to obtain confirmation from some revenue authorities that confirm this view.

What happens now?

Many church congregations are autonomous in relation to the day-to-day use of church property. Take steps to make connection between congregations and your relevant church property trust. And although Moores is not a broker for finding COVID-19 testing station sites, we are willing to help in any way we can.

Please get in touch if your church is in a position to “love thy neighbour” in this way. Do not hesitate to contact us here.

Holding Board, Committee and member meetings in the COVID-19 environment.

Much of the business of For Purpose organisations is necessarily conducted through meetings – both regular meetings of your responsible persons (your Board or Committee) throughout the year and a meeting (typically annual) of your members.

New social distancing measures will be in place for at least six months, with the possibility of enhanced restrictions. Current restrictions limit non-essential gatherings to less than 100 people with no more than one person per four square meters. For organisations with a significant number of members, in-person annual general meetings will no longer be feasible. Even if your annual general meeting or Board or Committee meeting might be compliant with social distancing, many organisations and individuals are likely to prefer not to meet in person at this time.

Here’s what you need to know before you schedule that video conference.

Play by your rules…

Your governing document (a constitution for companies or rules for associations) sets out how decisions are made by your responsible persons or members. A well-drafted governing document will provide for meetings to be held by technology and confirm that decisions made at those meetings are legally effective. For example, the ACNC template constitution for a charitable company limited by guarantee reads:

The company may hold a general meeting at two or more venues using any technology that gives the members as a whole a reasonable opportunity to participate, including to hear and be heard.

Unfortunately, many governing documents are silent on the use of technology or were prepared long before technology existed to facilitate voice or video conferencing (this is one of many reasons why you should dust off your governing document and make sure it is still fit for purpose). In this case, the legislation that applies to your organisation may help.

… as well as the legislation

You also need to be aware of the requirements of your governing legislation.

Corporations

The requirements for companies limited by guarantee differ depending on whether or not your organisation is a registered charity.

If your organisation is not a registered charity, you may benefit from the “no-action” position taken by the Australian Securities and Investments Commission (ASIC). ASIC has advised that it will not take action against companies that breach their constitution by holding a hybrid (online and in person) or online only AGM. ASIC will also allow companies to defer AGMs due to be held on 31 May to the end of July. ‘No-action’ means you may still be in breach of your constitution or the Corporations Act, but ASIC will not act on the breach. Be aware that a vexatious member might not overlook the breach. There is detailed information here (albeit targeted at larger companies) about the position of companies limited by guarantee that are not registered charities.

The ‘no-action’ position for companies limited by guarantee applies to members meetings only. It does not apply to meetings of directors. The replaceable rules permit directors’ meetings by technology (if your constitution does not expressly exclude the replaceable rules or include a contrary provision).

If your organisation is a registered charity, its principal regulator is the Australian Charities and Not-for-profits Commission (ACNC), not ASIC. Although registered charities are exempt from the Corporations Act provisions which regulate meetings, they must comply with the Governance Standards. Among other things, the ACNC Governance Standards require you to be accountable to your members. This includes holding members’ meetings and complying with the provisions of your constitution that regulate meetings.

The ACNC has been proactive about relaxing requirements in the past for charities that have legitimate compliance challenges. For example, reporting deadlines were extended for charities affected by the bushfires. However, the current ACNC guidance falls well short of providing reassurance to registered charities that propose to extend their AGM date or hold a hybrid or online-only AGM in breach of their constitution due to coronavirus concerns.

Registered charities must also comply with the provisions of their constitution that regulate directors’ meetings. Your constitution may permit the use of technology or circular resolutions. If you’re unsure, seek advice to make sure that your directors’ resolutions are valid.

Associations

In some cases (such as all Victorian associations meetings and Queensland associations Committee meetings) the legislation permits associations to hold a meeting by technology even if the rules don’t expressly allow it. In other cases, you can seek an extension to your AGM date. 

Again, associations would benefit from additional guidance from their State regulator and/or the ACNC (in the case of charitable associations).

Make sure you meet other legal requirements

A meeting held using technology must still meet the other requirements of your governing document. Don’t forget to:

  • issue the proper notices (the ASIC ‘no-action’ provisions may assist sending supplementary notices);
  • make sure the technology gives members as a whole a reasonable opportunity to participate (Can they ask questions of the Board or Committee and any auditor? Consider accepting additional questions in advance of the meeting.);
  • consider whether your governing document allows proxy voting or voting by postal ballot;
  • observe quorum requirements;
  • ensure participants can be identified and are entitled to be in the meeting; and
  • properly minute the meeting and any resolution passed.

Use great meeting etiquette

If your organisation hasn’t used video conferencing to hold its meetings before, make sure you:

  • test the proposed facility beforehand, ensuring that the chair in particular understands how to use the technology and that it is appropriate for the proposed number of attendees;
  • provide clear instructions on how to access the meeting room and website together with your meeting notice;
  • establish and circulate a written meeting protocol to assist members to communicate effectively – this might include, for example:
    • muting mics when individuals are not speaking;
    • providing designated times for questions;
    • waiting until the chair calls on you to speak; and
    • asking people to raise their hands if they would like to speak.

It is helpful to remind participants of the protocol before the session commences.

Why wrestle with an outdated document?

This is an issue that may last from some time, or could recur in the future. Having the flexibility to hold an online Board, Committee or members’ meeting without compliance concerns is always valuable. Additionally, if your governing document predates technology or is silent as to the use of technology, there’s a good chance it may not include other important provisions too.

How we can help

If you’d like advice about the provisions in your current governing document or how they might be updated, get in touch with the For Purpose team at Moores. Please do not hesitate to contact us here.