Direct Relief Payments — No Action Needed
If you qualify, you will automatically receive a direct deposit if you received your tax refund via direct deposit in the last two years. If not, expect a check in the mail, so ensure the IRS has your correct address.
How much can you expect?
Individuals who filed a tax return in 2018 or 2019 and earned less than $75,000 will receive $1,200. Couples earning under $150,000 will get $2,400, with an additional $500 for each child. These amounts decrease for higher incomes and vanish entirely for individuals earning over $99,000 or couples making over $198,000. If you didn’t file a tax return, you may still be eligible for relief payments, especially if you are a disabled veteran or receive social security benefits.
Unemployment Benefits — Apply Through Your State
If you are among the millions who have recently filed for unemployment, assistance is available, but you must apply. The relief package introduces the Pandemic Unemployment Assistance program, which covers those unable to work due to the pandemic, including independent contractors and gig workers. Eligible individuals can receive $600 per week for four months on top of their state unemployment benefits.
To access these funds, you must file for state unemployment, with processes varying by state. Some states may impose a one-week waiting period, but the relief bill facilitates waiving this requirement.
Paid Sick Leave — Notify Your Employer
For the first time in U.S. history, federal law mandates paid sick leave. Qualified workers can receive up to two weeks of paid leave if they are ill or caring for someone sick with COVID-19. Additionally, if you’re home caring for children due to school closures, you may qualify for up to 12 weeks of paid leave.
You can earn full pay, up to $511 a day, if you’re sick or seeking care; for caregiving, you earn two-thirds of your usual pay, capped at $200 per day. Most employees at small and medium-sized businesses, nonprofits, and government agencies are eligible, provided they’ve been employed for at least 30 days. Part-time and self-employed workers, including gig workers, also qualify. However, those at companies with more than 500 employees are not eligible.
Student Loan Relief — Contact Your Provider
If you have federal student loans, you may request a payment waiver for 60 days, during which no interest will accrue, and your credit won’t be affected. Unlike direct payment relief, you need to reach out to your loan servicer to request this waiver. Private loans usually don’t qualify, but some lenders are offering their own relief, so it’s worth checking.
Tax Deadline Extension — Automatic Delay
Taxpayers now have until July 15 to file their tax returns without incurring penalties or interest, thanks to the relief bill.
Mortgage and Rent Relief — Inquire with Your Provider
If you’re facing mortgage hardships, you could suspend payments for up to 12 months if your mortgage is backed by Fannie Mae or Freddie Mac. Private lenders may have similar options, so reach out to them to clarify available assistance.
Worried about eviction? Under the relief bill, no foreclosures or evictions are permitted for specific mortgages, including FHA loans, until the end of July.
Utilities — Reach Out to Your Provider
Many utility companies are suspending service cut-offs for non-payment. Major internet providers have agreed not to terminate service, but you should confirm with your provider whether you need to take any action.
Credit Card Debt — Talk to Your Issuer
Credit card companies are also providing relief options for those who have lost income. Contact your issuer to see if they can adjust your payment due dates or allow you to skip a payment without additional interest charges.
SNAP and WIC Benefits
The relief bill includes an additional $15 billion for the Supplemental Nutrition Assistance Program (SNAP) and increases eligibility requirements. The Women, Infants, and Children (WIC) program also received funding boosts and allows remote certification.
Need Additional Help?
The government may offer more support in future stimulus packages, potentially including further aid for food security and assistance for struggling workers. As the situation develops, stay informed about what resources are available to help you through this challenging time.
Navigating this landscape can feel overwhelming, but it’s important to remember that assistance is available, and more may be on its way.
For further information on home insemination and related topics, check out this link. For authoritative guidance, visit this link. The CDC provides excellent resources on pregnancy and related health issues at this link.
Summary
The COVID-19 pandemic has significantly impacted many families, but various government assistance programs are available. From direct relief payments to unemployment benefits, paid sick leave, and more, there are multiple avenues to seek help. Stay informed and proactive in reaching out to the appropriate agencies and service providers to secure the support you need during these challenging times.