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Guide to COVID-19 Federal Resources

NOTE: This page has been archived and information may be out of date.     A Spanish version of this guide can be found here.

INDIVIDUALS & FAMILIES

UNEMPLOYMENT INSURANCE

  • More laid-off and furloughed workers than ever before (including those new to the job market) will be eligible for Unemployment Insurance and will see an additional $600 per week to match the average paycheck for up to 4 months of benefits. These benefits will be available immediately.
  • Residents seeking more information about UI benefits should contact the state unemployment insurance program. Oregon's unemployment insurance website can be found here.

ADDITIONAL RESOURCES:

DIRECT PAYMENTS TO INDIVIDUALS & THEIR FAMILIES

  • Individuals making up to $75,000 and couples making up to $150,000 will receive $2,400 will receive payments of $1,200 with an additional $500 payment per minor child. The payments phase out for individual taxpayers who earn more than $75,000, heads of households who earn more than $112,500, and joint filers who earn more than $150,000.
  • These payments will be issued by the IRS via direct deposit when possible and will be based on 2019 or 2018 tax return or 2019 Social Security statement.
  • If someone has not filed a tax return in 2018 or 2019 and does not receive Social Security benefits, the IRS recommends filing a return to receive payment. 
  • If you receive Social Security, retirement or other social safety net benefits, you may still qualify for direct payments. These payments will not be taxable nor represent “resources” for program eligibility purposes. Click here for more information from the IRS.  

ADDITIONAL RESOURCES:

FOOD ASSISTANCE

  • Supplemental Nutrition Assistance Program (SNAP), more commonly known as food stamps, ensures that Americans receive the food they need, especially if they are newly unemployed. Congress has invested in SNAP in the last three bills to help Americans put food on the table during this crisis.
  •  The Special Supplemental Nutrition Program for Women Infants and Children (WIC) provides access to nutritious foods to low-income pregnant women or mothers. To see if you are eligible for WIC benefits click here. To learn more about how to apply for WIC click here. To learn about WIC in Oregon, click here.

ADDITIONAL RESOURCES:

FOOD BANKS

  • Congress has now secured $850 million in emergency funding for The Emergency Food Assistance Program (TEFAP) to help food banks face increased utilization and demand in countless communities across the country due to the coronavirus. Click here for your state contacts or visit the Oregon Food Bank.
  • To find food assistance near you, call the USDA National Hunger Hotline 1-866-3-HUNGRY/1- 877-8-HAMBRE 

HOMEOWNER & RENTERS PROTECTIONS

  • Mortgage Forbearance: Homeowners with FHA, USDA, VA, or Section 184 or 184A mortgages (for members of federally-recognized tribes) and those with mortgages backed by Fannie Mae or Freddie Mac have the right to request forbearance on their payments for up to 6 months, with a possible extension for another 6 months without fees, penalties, or extra interest. Homeowners should contact their mortgage servicing company directly.
  • Eviction Protections: Renters residing in public or assisted housing, or in a home or apartment whose owner has a federally-backed mortgage, and who are unable to pay their rent, are protected from eviction for 4 months. Property owners are also prohibited from issuing a 30-day notice to a tenant to vacate a property until after the 4-month moratorium ends. This protection covers properties that receive federal subsidies such as public housing, Section 8 assistance, USDA rural housing programs, and federally-issued or guaranteed mortgages.  Renters whose landlord is not abiding by the moratorium should contact the relevant federal agency that administers their housing program or their local Legal Aid office.

ADDITIONAL RESOURCE:

ENERGY ASSISTANCE FOR LOW INCOME FAMILIES 

 

EMERGENCY PAID SICK AND FAMILY LEAVE FOR WORKERS

 

  • Many workers in America currently have no paid leave and are being forced to choose between their paycheck, their health, and the health of the people around them.
  • The emergency paid leave provisions passed by Congress and signed into law by the President are a critical step toward protecting families’ financial security and mitigating the spread of the coronavirus.
  • The Families First Coronavirus Response Act expands access to emergency paid sick leave and paid family leave to as many as 87 million U.S. workers. Employees at companies with fewer than 500 employees, government employees, and employees who work under a multiemployer collective agreement and whose employers pay into a multiemployer plan.
    • Eligible full-time employees are entitled to two weeks (80 hours) of fully paid time off (up to $511 per day) and part-time employees are entitled to fully paid time off for the typical number of hours they would work in a typical two-week period to self-quarantine, seek a diagnosis or preventive care, or receive treatment for COVID-19.
    • Eligible full-time employees are also entitled to two weeks (80 hours) paid time off at two-thirds of their regular pay (up to $200 per day) and eligible part-time employees are also entitled to the typical number of hours that they work in a typical two-week period at two-thirds of their typical pay to care for a family member or to care for a child whose school has closed, or if their child care provider is unavailable due to COVID-19.
    • Eligible full-time employees and part-time employees are entitled to 12 weeks of job-protected leave to take care for their children in the event of a school closure or their child care provider is unavailable do to COVID-19. The 12 weeks of job-protected leave include two weeks of unpaid leave, followed by 10 weeks of paid leave.

ADDITIONAL RESOURCES: 

 

SMALL BUSINESSES

 

SMALL BUSINESS FORGIVABLE LOANS AND GRANTS

  • Congress secured $350 billion in forgivable loans and $10 billion in grants to small businesses, tribal business concerns, and certain nonprofits.
  • Loans through a new SBA 7(a) Paycheck Protection Program can be forgiven when used for payroll costs (including paid leave, health care, and other costs) to retain workers, and other expenses such as rent, mortgage interest, and utilities. Independent contractors, sole-proprietors, and other self-employed persons are eligible for these loans.
  • Small businesses can also apply for up to $10,000 in grants to retain workers and pay for debt obligations.
  • Small businesses, tribal business concerns, 501(c)(3) nonprofits, and 501(c)(19) veterans organizations in your district should contact their lender and the Small Business Administration office directly. Click here to visit the Portland District Office website.

ADDITIONAL RESOURCE: 

PAID SICK LEAVE AND PAID FAMILY LEAVE REQUIREMENTS AND TAX CREDITS FOR EMPLOYERS

  • Employers who provide required leave to their employees and who employ less than 500 employees are eligible for a tax credit to offset the costs of such leave. This tax relief will be provided against quarterly payroll taxes (those paid in connection the Form 941).  For additional guidance, please refer to the IRS’s website.

ADDITIONAL RESOURCES: 

 

MEDIUM-SIZED BUSINESSES

 

  • Included in the bill is a fund administered by Secretary Mnuchin designed to provide low-interest bank financing to medium-sized businesses and nonprofits with 500 to 10,000 employees.
  • As of now, we do not have information about the protocols for the administration of this fund. As soon as we have this information we will provide it to you. This webpage will be updated with new information as we receive it.

 

STUDENTS & EDUCATORS


STUDENT LOAN RELIEF FOR BORRROWERS

  • If you have student loan debt, Congress secured several options outlined below for borrowers that help provide relief through September 30, 2020. During this period, a borrower will be able to:
    • Pause payments for federal student loan borrowers who have Direct Loans and Federal Family Education Loan (FFEL), which means these borrowers will not be required to make any payments toward outstanding interest or principal balance.
    • Suspend interest accrual for such loans so that these balances don’t accrue.
    • Avoid forced collections such as garnishment of wages, tax refunds, & Social Security benefits.
    • Halt negative credit reporting.
    • Ensure a borrower continues to receive credit toward Public Service Loan Forgiveness, Income-Driven Repayment forgiveness, and loan rehabilitation.
    • For additional guidance on how to apply and learn about next steps as this critical relief becomes available, please refer to the U.S. Department of Education website.

ADDITIONAL RESOURCE: 

SCHOOL MEALS

  • As more schools close due to coronavirus, Congress has provided emergency funding for Child Nutrition Programs to ensure students can still receive their free or reduced-price school meals during this time. To learn more, click here to learn more about  your state is doing during this time.

ADDITIONAL RESOURCE: 

STABILIZATION FUNDING FOR EDUCATION

  • Congress secured $30.75 billion in funding for school districts, states and higher education institutions to ensure state resources and investments are not diverted from life-long learning.
  • For additional guidance on how to apply and learn about next steps as this critical relief becomes available, please refer to the U.S. Department of Education website.

 

TRIBES

 

  • Indian Health Service: Congress secured over $1 billion in critically needed resources to the Indian Health Service (IHS). Information on the federal response in Indian Country can be found on the IHS website.
  • Coronavirus Relief Fund: Democrats secured an $8 billion relief fund at the Department of Treasury to assist tribes with costs incurred in the response to the coronavirus pandemic. For additional guidance on how to apply and learn about next steps as this critical relief becomes available, please refer to the U.S. Department of Treasury website.
  • Tribal Governance: The legislative package provides $453 million to the Bureau of Indian Affairs (BIA) for essential tribal governmental and to aid individual Native Americans. For resources and information on school closures, please visit the BIA website here.
  • Housing: This legislative package provided $300 million for programs within the Department of Housing and Urban Development’s Office of Native American Programs. Resources can be found here.
  • Small Business: The legislative package makes tribal business concerns eligible for SBA loans of up to $10 million and SBA grants of up to $10,000 for payroll costs to retain workers (including paid leave, health care, and other costs), and other expenses such as rent, mortgage interest, and utilities.
  • Unemployment Benefit Costs: Congress is also allowing for tribes to be reimbursed for one-half of incurred unemployment benefit costs through December 31, 2020.

ADDITIONAL RESOURCES: 

 

VETERANS

 

  • Congress provided robust emergency funding to ensure the Department of Veterans Affairs (VA) has the equipment, tests, and support services – including setting up temporary care sites, mobile treatment centers and increasing telehealth visits to allow more veterans to get care at home – necessary to provide veterans with the additional care they need. For further guidance as this funding and initiatives are implemented, please refer to the U.S. Department of Veterans Affairs website.

ADDITIONAL RESOURCES: 

Issues: