The U.S. Small Business Administration is offering low-interest federal disaster loans for working capital to all California small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19), SBA Administrator Jovita Carranza announced. U.S. Small Business Administration has approved all counties for the State of California for the COVID-19 event, this includes the County of Monterey.
Visit SBA.gov/coronavirus for updates on loan programs, guidance for businesses and employers, and other SBA resources.
Applicants may apply online, receive additional disaster assistance information and download applications at https://disasterloan.sba.gov/ela. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email firstname.lastname@example.org for more information on SBA disaster assistance. Individuals who are deaf or hard of hearing may call (800) 877-8339. Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.
The deadline to apply for an Economic Injury Disaster Loan is Dec. 16, 2020.
GOVERNMENT ASSISTANCE FOR COVID-19
Many California workers may be entitled to some time off for COVID-19 related absences, and/or eligible for some form of wage replacement while they are not working. Read below and check out this guide for more information.
If your hours have been reduced or your employer has shut down operations due to Coronavirus and/or you are working fewer hours or not working because your child's school is closed and you need to care for them, you can file an Unemployment Insurance claim here: EDD Unemployment Insurance claim.
If you’re unable to work due to having or being exposed to COVID-19 (certified by a medical professional), you can file a Disability Insurance (DI) claim. DI provides short-term benefit payments to eligible workers who have a full or partial loss of wages due to a non-work-related illness, injury, or pregnancy. Visit www.edd.ca.gov/Disability/How_to_File_a_DI_Claim_in_SDI_Online.htm/
If you or a family member are sick, there may be paid sick leave or other paid leave that is available. Additionally, employees at worksites with 25 or more employees may also be provided up to 40 hours of leave per year for specific school-related emergencies, such as the closure of a child's school or day care by civil authorities (see Labor Code section 230.8). Whether that leave is paid or unpaid depends on the employer's paid leave, vacation or other paid time off policies. Discuss your options with your employer, and read more about Paid Sick Leave eligibility here: DIR Paid Sick Leave eligibility.
If you're unable to work because you're caring for a sick or quarantined family member with Coronavirus, you can file a Paid Family Leave claim here: EDD Paid Family Leave claim.
If you’re unable to work because you are caring for an ill or quarantined family member with COVID-19 (certified by a medical professional), you can file a Paid Family Leave (PFL) claim. PFL provides up to six weeks of benefit payments to eligible workers who have a full or partial loss of wages because they need time off work to care for a seriously ill family member or to bond with a new child. Benefit amounts are approximately 60-70 percent of wages (depending on income) and range from $50-$1,300 a week. If you are eligible, the EDD processes and issues payments within a few weeks of receiving a claim.
If your child’s school is closed, and you have to miss work to be there for them, you may be eligible for Unemployment Insurance benefits. Eligibility considerations include if you have no other care options and if you are unable to continue working your normal hours remotely. File an Unemployment Insurance claim and our EDD representatives will decide if you are eligible.
If you are an employer and/or worker affected by anticipated or scheduled layoffs, business closures, and natural or other disasters assistance is available from Monterey County Workforce Development Rapid Response (layoff assistance or aversion). Services include on-site sessions where employees learn about unemployment benefits, job search techniques, training opportunities, and reemployment. For More information: www.montereycountywdb.org/business-services/rapid-response/
If your business has suffered substantial economic injury as a result of the Coronavirus, you can apply for a low-interest federal disaster loan. US Small Business Administration loans are now available for Monterey County may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. For more information visit, https://disasterloan.sba.gov/ela/ Call 1-800-659-2955 or email email@example.com.
If you are looking for an Emergency Microloan, Monterey County is creating an Emergency Microloan Fund within its Small Business Revolving Loan Program with Cal Coastal to assist local small businesses impacted by COVID-19. Click here for more information
Access a local food bank. California Association of Food Banks and its food bank network will continue to work to ensure that our most vulnerable communities have consistent and safe access to nutritious food. Locate a food bank here by entering your zip code: Find a Food Bank More: Information on COVID-19 (Corona Virus)
If Seniors need services (pick up medicine/food) call California’s department of Aging at 1-800-510-2020 and ask for the “Worker of the Day” and they can provide services. M-F, 8 AM - 5PM
Get an extension on filing your tax return and making payments: Tax filing and payment deadlines that occur on March 15, 2020 through June 15, 2020 are extended to June 15, 2020. Taxpayers affected by COVID-19 are granted an extension to file California tax returns and make certain payments until June 15, 2020. The Franchise Tax Board will also waive any interest and late filing/payment penalties that would otherwise apply. If you’re claiming the COVID-19 relief, write COVID-19 in black ink at the top of your tax return. If you’re e-filing, follow the software instructions to enter disaster information. More info: Franchise Tax Board news release.
If your driver license or vehicle registration is expiring soon, and you don't want to risk coronavirus exposure or transmission, the California Department of Motor Vehicles (DMV) is offering announced a 60-day extension for renewals of driver licenses and vehicle registrations with expiration dates beginning March 16, 2020. More information can be found here: DMV 60-day extension.
The Labor and Workforce Development Agency has more information about potential benefits for employers and workers, including informative chart displaying and explaining these benefits: LWD Coronavirus Resources.
Potential Closure or Layoffs
Employers planning a closure or major layoffs as a result of the coronavirus can get help through the Rapid Response program. Rapid Response teams will meet with you to discuss your needs, help avert potential layoffs, and provide immediate on-site services to assist workers facing job losses. For more information, refer to the Rapid Response Services for Businesses Fact Sheet (DE 87144RRB) (PDF) or contact your local America’s Job Center of CaliforniaSM.
Employers experiencing a hardship as a result of COVID-19 may request up to a 60-day extension of time from the EDD to file their state payroll reports and/or deposit state payroll taxes without penalty or interest. A written request for extension must be received within 60 days from the original delinquent date of the payment or return.
For more information on tax relief for businesses and tax exempt entities check out the IRS Coronavirus Webpage.
For questions, employers may call the EDD Taxpayer Assistance Center.
- Toll-free from the U.S. or Canada: 1-888-745-3886
- Hearing impaired (TTY): 1-800-547-9565
- Outside the U.S. or Canada: 1-916-464-3502
NON-GOVERNMENT ASSISTANCE FOR COVID-19
Get fee waivers and waived penalties for Citibank customers. Starting March 9, 2020 and effective for an initial 30 days, Citibank Retail Bank customers can get fee waivers on monthly service fees and waived penalties for early Certificate of Deposit withdrawal. Citibank Retail Bank Small Business customers can get fee waivers on monthly service fees and remote deposit capture and waived penalties for early Certificate of Deposit withdrawal. Call the phone number on the back of your card to inquire about account assistance. If you currently work with a Banker or Financial Advisor, you can contact them during their regular business hours. Assistance is available 24/7 via the phone number on the back of your card. More info: Citibank online announcement
Get free internet service for two months with Comcast. New families who connect to Comcast’s Internet Essentials program will get free internet service for two months. The Internet Essentials program is normally available to qualified low-income households in Comcast’s service area for $9.95/month (check for www.internetessentials.com/ for eligibility requirements). You can cancel at any time (no contract and no term) if you don’t want to continue the program after the first two months. After you sign up, Comcast will mail you a free self-install kit with a cable modem and a Wi-Fi router. For More info: Phone #: 1-855-846-8376 (English) and 1-855-765-6995 (Spanish); web: www.internetessentials.com/ ; Comcast press release
Get cash assistance for service workers. One Fair Wage is offering cash assistance restaurant workers, delivery drivers, and other tipped workers and service workers who are seeing their income decline or aren’t able to work because of quarantines or other health concerns. Submit request online: https://ofwemergencyfund.org/help
Get financial assistance for individuals and their families in the alcohol industry through the USBG National Charity Foundation. Eligible if worked for at least one year directly serving or in the production, promotion or distribution of alcoholic beverages, or the spouse or child of someone in the industry Apply with online form. More info: COVID-19 Relief
Get free storage space for college students. U-Haul is offering 30 days of free storage space, usage of U-Box portable moving, and storage containers for college students impacted by unforeseen schedule changes at their universities. Offer valid for new customers with college IDs. Visit link to find a participating location: https://www.uhaul.com/Storage/
Get free internet access for households with students. Free Spectrum broadband and Wi-Fi access for 60 days to households with K-12 and/or college students who do not already have a Spectrum broadband subscription and at any service level up to 100 Mbps. Installation fees are waived. Call to enroll: 844-488-8395 More info: Charter to Offer Free Access to Spectrum Broadband and Wi-Fi For 60-Days For New K-12 and College Student Households and More
Get free video communications for students and staff. All K-12 schools can request a free basic account for online video communications with no time limits using their school’s email address. Sign up here