QUESTIONS FROM THE SANDWICH CHAMBER OF COMMERCE ZOOM MEETING – APRIL 2, 2020
If I get an Economic Injury Disaster Loan and/or an Emergency Economic Injury Grant, can I get a Paycheck Protection Program loan? Whether you’ve already received an EIDL unrelated to COVID-19 or you receive a COVID- 19 related EIDL and/or Emergency Grant between January 31, 2020 and June 30, 2020, you may also apply for a PPP loan. If you ultimately receive a PPP loan or refinance an EIDL into a PPP loan, any advance amount received under the Emergency Economic Injury Grant Program would be subtracted from the amount forgiven in the PPP. However, you cannot use your EIDL for the same purpose as your PPP loan. For example, if you use your EIDL to cover payroll for certain workers in April, you cannot use PPP for payroll for those same workers in April, although you could use it for payroll in March or for different workers in April. Read more in the Small Business Owner’s Guide to the CARES ACt.
Are individuals who have no reportable income or are receiving Social Security benefits eligible to receive the direct cash payment from the Federal Government? Yes–and the Treasury Department has reversed their original policy that seniors and others would have to file a tax return in order to get the check. That is no longer the case.
“Social Security recipients who are not typically required to file a tax return need to take no action and will receive their payment directly to their bank account,” Treasury Secretary Steven Mnuchin said in a statement. (Read the full story in USA Today)
Can workers who have reduced hours or pay apply for Unemployment benefits? Yes. You may claim some benefits for a week if you work less than full-time because of lack of work. Your earnings for the week must be less than the weekly benefit amount you would receive if you were totally unemployed for the week. For more information, refer to the Illinois Department of Insurance’s Unemployment Insurance Benefits Handbook, page 17.
QUESTIONS FROM THE ROCHELLE CHAMBER OF COMMERCE ZOOM MEETING – APRIL 1, 2020
How can I find out if my small business is “essential”
as defined under Governor Pritzker’s “Stay at Home” order? You can
visit the Illinois Department of Commerce and Opportunity (DCEO) website
on essential businesses and operations. If that webpage does not address
your concerns, you can call the DCEO hotline at 1-800-252-2923 or e-mail CEO.firstname.lastname@example.org.
How does the Families First Coronavirus Response Act
(Phase 2 Federal Stimulus) affect employer paid leave requirements? The
Act requires certain employers to provide their employees with paid sick leave
or expanded family and medical leave for specified reasons related to COVID-19.
For more information, you can visit the U.S. Department of Labor’s Wage and
Hour Division website
on changes to paid leave requirements under the Act.
QUESTIONS FROM THE BYRON/OREGON/POLO CHAMBER OF COMMERCE ZOOM MEETING – APRIL 1, 2020
Has there been discussion about relief or changes for Illinois employee expense reimbursement provisions? We are reviewing this question and will have an answer shortly.
What is the latest guidance on child care and new opportunities for emergency child care services? We are reviewing this question and will have an answer shortly.
QUESTIONS FROM THE DIXON CHAMBER OF COMMERCE ZOOM MEETING – MARCH 31, 2020
Where can I find information on the Paycheck Protection Program? The Paycheck Protection Program provides small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities. The US Department of the Treasury just released an application, rules, and information for this new program. Click here for an overview, here for details for borrowers, and here to see an application. Applications begin April 3.
Are sole proprietors eligible for the Downstate Small Business Stabilization Grant Program? Yes, sole proprietors may apply for the grant through their municipality (if the business is located within a municipality) or their county (if the business is located in an unincorporated area). Thanks to your questions, DCEO reviewed the plan and agreed to revise the forms to state that sole proprietors are not be required to provide a Certificate of Good Standing from the Illinois Secretary of State’s Office as part of the grant application.
How do businesses located in unincorporated areas apply for the Downstate Small Business Stabilization Grant Program? Businesses located in unincorporated areas may apply for the grant through their county government. For unincorporated Lee County, contact Becky Brenner at (815) 288-5676 or email email@example.com
I am self-employed. Do I qualify under the new federal unemployment program? Under regular unemployment rules, the incomes of self -employed workers, freelancers, and independent contractors are not subject to unemployment taxes and so typically these individuals are not eligible for unemployment benefits. The stimulus package creates a new, temporary program to help people who lose this type of work as a direct result of the current public health emergency. IDES will provide information about how to apply for this benefit as soon as it is finalized. Please do not apply at this time. We will update this section when IDES has finalized their process.
Are businesses able to apply for both Economic Injury Disaster Loans and Paycheck Protection Loans with the SBA? At this time, no. SBA rules state that businesses who have received Economic Injury Disaster Loans are not eligible to apply for Paycheck Protection Loans. Rules are being considered to allow Disaster Loan recipients to refinance their loans into a Paycheck Protection Loan, but those rules have not been adopted at this time.
Resources & Relief from the State of Illinois and the Federal Government
ONE-TIME PAYMENT FOR INDIVIDUALS AND FAMILIES
$1,200 per adult and $500 per child
Individuals with income up to $75,000 or married joint filers with incomes up to $150,000 qualify for the full amount; those with higher incomes see the payment phased out
Based on 2019 tax return, if you have already filed it, or your 2018 tax return if you haven’t filed a 2019 return
Those with no taxable income, such as those with only Social Security or disability income, qualify for the check and do not need to take any additional action. Check irs.gov/coronavirus for information.
UNEMPLOYMENT BENEFITS FOR INDIVIDUALS AND FAMILIES
The Paycheck Protection Program was created by the federal CARES Act, and allocates $350 billion to small businesses with fewer than 500 employees. The PPP creates a forgivable loan that can be used for payroll, mortgage, rent, or utilities. The US Department of the Treasury just released an application, rules, and information for this new program. Click here for an overview, here for details for borrowers, and here to see an application. Applications begin April 3.
SBA Economic Injury Disaster Loans provide small businesses with working capital loans up to $2 million. These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. Visit sba.gov/disaster for more information.
Deferred payment of employer share of Social Security payroll taxes from March 27, 2020, to December 31, 2020, with half repaid by the end of 2021 and the remaining half repaid by the end of 2022.
The Downstate Small Business Stabilization Grant includes $20 million total, up to $25,000 each, for small businesses in rural counties and municipalities from the Illinois Department of Commerce and Economic Opportunity. Businesses within a city or village limits should contact their city or village, and those in an unincorporated part of the county should contact their county to apply.
GOV. PRITZKER EXTENDS “STAY AT HOME” ORDER THROUGH APRIL 30
Governor JB Pritzker issued a “Stay at Home” order, mandating that Illinois residents stay in their homes as much as possible, unless they are conducting essential activities. Essential activities include picking up groceries or prescription drugs, caring for family, visiting the doctor, and more. Workers and businesses deemed essential may continue working and remain open. Frequently Asked Questions on the “Stay at Home” Order
The Governor Pritzker’s Executive Order and guidance from President Trump and the federal government prohibit gatherings of more than 10 people.
SCHOOL CLOSURES CONTINUE THROUGH APRIL 30
Governor JB Pritzker has declared mandatory school closures for all schools, both public and private, serving Illinois pre-kindergarten through 12thgrade students.
Per the Governor’s executive order, the closures will continue through April 30
Schools have full autonomy to provide continuous learning opportunities in the way that they are able, including through technology and free online resources.
All Illinois schools implemented distance learning as of late March. Please consult your local school district for more information on distance learning resources.
ISBE has obtained the USDA waiver to provide meals during school closures, including to children under 5. ISBE encourages schools to please make every effort to provide meals for all children who need them, no matter their resources and no matter what school they attend, in the way that works best for your community, such as grab-and-go or delivery.
For more information, please visit the Illinois Department of Children and Family Service’s website at www2.illinois.gov/DCFS or call 312-814-6800
All day care is closed for the duration of the Gubernatorial Disaster Proclamation pursuant to Executive Order 2020-10.
Licensed Day Care Homes and Licensed Group Day Care Homes
You may care for up to 6 children of employees authorized to work under Executive Order 2020-10.
No action is necessary to care for up to 6 children as stated.
Any home operating during this period will be doing so as a license exempt program.
Licensed Day Care Centers
These facilities may apply for an Emergency Day Care Program.
Emergency Day Care Program
Licensed programs that are now closed, and those that have never been licensed, such as on site programs to care for the children of employees in a hospital or clinic may apply for an Emergency Day Care Program License to provide child care for employees authorized to work under Executive Order 2020-10.
Complete and submit an application to provide an Emergency Day Care Program pursuant to Department EMERGENCY Rules 407: Subpart J.
Demonstrate compliance with Rules 407.515 for employees authorized to work under Executive Order 2020-10, including minimum licensing standards and social distancing guidelines.
Submit to required background checks and on-site visits.
License Exempt Programs
Day programs exempt from licensure under Title 89 of the Illinois Administrative Code, Sections 377.3(a)(1)-(a)(4), (b)(2), and (c); day programs exempt from licensure under Title 89 of the Illinois Administrative Code, Section 377.3(d) (subject to the conditions governing exempt day care homes set forth in Section 12(s) of this Executive Order), such as YMCA programs, and programs recognized by ISBE.
Programs may only care for children of employees authorized to work under Executive Order 2020-10, observing the rules of social distancing, and not exceeding 10 children in one room.
The Secretary of State offices, including Drivers Services Facilities, are closed. Expiration dates for driver’s licenses, ID cards and vehicle registrations will be extended by 30 days beyond when offices reopen again. For online services, please visit www.cyberdriveillinois.com
All State Parks are currently closed.
There are no food shortages. Grocery stores remain open and are regularly replenished. Please do not hoard food or supplies. Keep in mind the elderly and vulnerable and be sure to leave enough for everyone.
Practice social distancing when possible at stores, and use provided wipes and sanitizers to keep yourself and your shopping cart clean.
RESTAURANTS & BARS
Gov. JB Pritzker has ordered all bars and restaurants to close for dine-in service.
Restaurants will still be able to provide drive-thru, curb-side, delivery or take-out/carry-out.
Domestic Violence Helpline: 1-877-863-6338
The State continues to focus outreach efforts for those most vulnerable to severe illness from the coronavirus, our elderly and immuno-compromised residents.
Individuals who fall into these categories should take extra caution when attending gatherings of any size and avoid exposure to large groups of people whenever possible.
The State has implemented new staffing procedures and strict guidelines restricting visitors at state-operated long-term care facilities and is also working closely with private nursing home and assisted living associations on the adoption of similar guidelines.
Community Day Services (CDS)– All CDS sites should be closed by Tuesday, March 17th or sooner. This includes day programs, day training programs, sheltered workshops, and/or any other day site serving individuals with intellectual and developmental disabilities (I/DD) funded by the Division.
Community Integrated Living Arrangements (CILA)– DHS understands that CDS closure will require additional staffing in our CILAs. DDD will be adjusting all award letters to provide 24 hour support for all individuals effective March 17, 2020 through April 15th, with the possibility for expansion past this time as necessary.
In order to increase the flow of goods and ensure supply chain demands can be met, the Illinois Department of Transportation has been ordered to increase truck weight limits on Illinois roads to 88,000 pounds (currently 80,000 pounds) for a 5-axle vehicle of 10 percent above the legal load for vehicles with fewer axles. Additionally, the Governor has waived all overweight fees for the transportation of emergency relief and supplies. Increased weight limits and fee waivers expire April 12, 2020.
IDFPR is announcing guidance to help licensees maintain their licenses during the COVID-19 pandemic. Effective immediately, the measures will:
Extend expiration dates of professional licenses up for renewal between March 1, 2020 and July 31, 2020 to the new expiration date of September 30, 2020.
Extend continuing education requirements with renewal deadlines between March 1, 2020 and July 31, 2020 to the new expiration date of September 30, 2020.
Allow online/virtual continuing education course credits in addition to currently permitted in-person courses.
Allow massage therapy schools to offer online instruction for lecture-based courses.
Allow barber, cosmetology, esthetics, hair, braiding, and nail technology schools to exceed the 10% cap for teaching online theory courses.