CA-15 Coronavirus Resources

I know many of you have questions about what to do and what help is available during these trying times. My office has prepared a resource guide to help answer some of the most common questions we’ve been hearing from 15th Congressional District residents:

CA15 COVID-19 Information and Resources Guide






 

 

Questions about how to access the direct payments, expanded unemployment insurance, food assistance, homeowner and renter protections, small business assistance, or other provisions in the Coronavirus Aid, Relief, and Economic Security (CARES) Act? Click below to read Speaker Pelosi's guide:

Speaker Pelosi's COVID-19 Resources Toolkit

Most eligible U.S. taxpayers will automatically receive their Economic Impact Payments under the CARES Act, but if you had gross income that did not exceed $12,200 ($24,400 for married couples) for 2019 or otherwise weren't required to file a federal income tax return for 2019, click here to enter your payment information.

Supplemental Security Income (SSI) recipients with no qualifying children do not need to take any action in order to receive their $1,200 economic impact payment. The payments will be automatic; the Treasury Department anticipates these automatic payments no later than early May. SSI recipients who have qualifying children under age 17, however, should click the link above to enter their payment information.

 

For the latest on local shelter-in-place orders and public health, click below:

 

Bay Area public K-12 districts are developing plans for when and how to reopen schools to slow the spread of COVID-19 and keep our families safe. For the latest information on your district's plan, click below:

For countywide guidance on school re-openings, click below:

 

For the latest information from major CA-15 health care providers, click below:

 

For the latest information on CA-15 public transit, click on the links below:

 

For the latest information on CA-15 city services, click below:

 

Federal, State and Regional Agencies

 

Veterans: Click here for the latest VA information.

Social Security recipients: Social Security offices are closed. Click here for the latest information.

Medicare recipients: Click here for the latest information, including expanded telehealth services.

Immigrants: Click here for the latest information from Immigration and Customs Enforcement.

Travelers: Click here for the latest information from the Federal Aviation Administration.

Tax Day is now July 15!  Click here for the latest IRS information on delayed filing and payments.

Stay home, but be counted! Click here to fill out your 2020 Census questionnaire.

Questions about paid sick leave and expanded family and medical leave under the new Families First Coronavirus Response Act? Click here for the latest information from the Labor Department.

Lost your job? Click here to apply for California Unemployment Insurance.

Undocumented and need help paying the bills during the pandemic? Click here for information on how to apply for the state Disaster Relief Assistance for Immigrants (DRAI) program.

Having trouble with mortgage payments? Click here for information from the Department of Housing and Urban Development.

Need medical insurance? Because of COVID-19, you can apply now for coverage if you are uninsured and eligible. Click here for the latest information from Covered California.

Incoming or apsiring University of California students: Click here for the latest information from UC.

Need some fresh air? Click below for the latest information about parks:

 

Food Assistance

Need immediate food assistance?

Click here for Alameda County's map of food distribution and services locations.

Click here for information on food distribution sites in Contra Costa County.

 

Need to apply for Supplemental Nutrition Assistance Program (SNAP)? Click here for the CalFresh program.

Need information on the Women, Infants & Children Program (WIC)? Click here to your local WIC office.

Click below for information on curbside pick-up meals for students affected by school closures:

Alameda County

Contra Costa County

 

Click below for information on home-delivered meals for housebound seniors:

Hayward, Castro Valley, San Lorenzo, San Leandro

Union City, Fremont

Dublin, Pleasanton, Livermore, Sunol

San Ramon

 

Click below for information on curbside pick-up meals for non-housebound seniors:

Open Heart Kitchens (Dublin, Pleasanton, Livermore)

 

Tips and Contacts for Coping with COVID-19

Do you or a relative have developmental disabilities? Click here for resources from the California State Council on Developmental Disabilities.

Caring for someone with dementia? Click here for tips and contacts from the Alzheimer's Association.

Caring for someone on the autism spectrum? Click here for tips from the Autism Society.

Feeling stressed out by all of this? Click here.

 

For Small Businesses

Paycheck Protection Program

The CARES Act established a new guaranteed loan program at the Small Business Administration for small businesses to cover payroll during the immediate crisis. The Paycheck Protection Program:

  • Supports $349 billion in 100 percent guaranteed, low interest, no fee loans of up to $10 million with repayment deferred for at least six months
  • Forgives up to 100% of the loan if the borrower has retained the same number of employees as when they received the loan. 

Who is eligible? -- Small and medium-sized businesses up to 500 employees, non-profits, independent contractors and the self-employed. This includes churches but only to cover payroll costs of an associated business, like a thrift store.

How are loans made? -- The SBA’s network of 2,500 7(a) lenders will be used to process these loans. There is also authority to fast track additional lenders to process and disburse these loans to reach as many small businesses as quickly as possible.

How much can I get? -- The maximum size of the loan is 250% of an employer’s average monthly payroll cost during the period Feb. 15, 2019 to June 30, 2019, capped at $10 million. This amount is intended to cover eight weeks of payroll expenses and any additional amounts for making payments towards debt obligations. This eight-week period may be applied to any time frame between February 15, 2020 and June 30, 2020.

If I'm self-employed, how should I calculate payroll to apply? -- Payroll costs for a self-employed taxpayer is equal to the net self-employment income taken from Line 31 of a 2019 Form 1040 Schedule C.

How can I use it?

  • Employee compensation, including: salaries, wages, commissions, or similar compensation; cash tips or equivalents; vacation, parental, family, medical, or sick leave; payment required for providing group health care benefits (including insurance premiums); payment of retirement benefits; and payroll taxes
  • Any compensation or income of a sole proprietor or independent contractor no greater than $100,000 in one year
  • Payment of interest on mortgage obligations, rent, utilities, and interest on pre-existing debt obligations

When is the loan forgiven? -- The loan is forgiven at the end of the eight-week period after you take out the loan. Borrowers will work with lenders to verify covered expenses and the proper amount of forgiveness. If you keep all your employees, the entirety of the loan will be forgiven. If you still lay off employees, the forgiveness will be reduced by the percent decrease in the number of employees. If your total payroll expenses on workers making less than $100,000 annually decreases by more than 25 percent, loan forgiveness will be reduced by the same amount. If you have already laid off some employees, you can still be forgiven for the full amount of your payroll cost if you rehire your employees by June 30, 2020. 

My business is seasonal, can I apply for a PPP Loan? -- Yes.

When is the deadline to apply? -- Applications must be made by June 30, 2020, but applicants are encouraged not to wait as the fund might be depleted again well before that date.

If I have no local banking relationship, where can find an approved lender? -- Click to find approved lenders through the SBA. 

For more information about navigating the Paycheck Protection Program, click here.
 

Economic Injury Disaster Loans

The U.S. Small Business Administration is offering low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the coronavirus (COVID-19). 

Who is eligible? -- Small businesses with no credit available elsewhere, and nonprofits.

How much can I get? -- SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance per small business. The interest rate is 3.75% for small businesses without credit available elsewhere; the interest rate for non-profits is 2.75%. SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.

How can I use it? -- 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. 

If I have applied for or received an EIDL related to COVID19 before the Paycheck Protection Program became available, will I be able to refinance into a PPP loan? -- Yes. If you received an EIDL loan related to COVID-19 between January 31, 2020 and the date at which the PPP becomes available, you would be able to refinance the EIDL into the PPP for loan forgiveness purposes. However, you may not take out an EIDL and a PPP for the same purposes. Remaining portions of the EIDL, for purposes other than those laid out in loan forgiveness terms for a PPP loan, would remain a loan. If you took advantage of an emergency EIDL grant award of up to $10,000, that amount would be subtracted from the amount forgiven under PPP. 

Can a green-card holder apply for the EIDL or PPP funding? -- Generally yes, but not in all cases. Legal permanent residents, also known as green card holders, can qualify for SBA financing but lenders might require additional information.

Where can I go to get help completing my application in a language other than English? -- Your local SBDC office is equipped to handle up to nine different languages.

To apply for SBA COVID-19 EIDLs, click here. For additional information, please contact the SBA disaster assistance customer service center at 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail disastercustomerservice@sba.gov.