Federal, state and local government entities and nonprofits are working together to control the spread of the coronavirus and to support the businesses and individuals impacted by the virus and/or the protective measures being taken.
Local/State/Regional COVID-19 Resources
The City of Jacksonville continues to monitor the Coronavirus daily and is committed to providing up-to-date information to keep its residents information. Access resources and announcements here.
The Morgan County Health Department is sharing current recommendations, news and statistics from the Centers for Disease Control & Prevention and Illinois Department of Public Health on its website.
Memorial Health System is offering free MemorialNow virtual care to the Central Illinoisans during the COVID-19 outbreak. You can access the virtual healthcare service by downloading the MemorialNow app here.
Jacksonville School District 117's website includes remote learning plans, grading guidance and a list of school closure FAQs.
The State of Illinois launched a new website to provide timely and accurate COVID-19 information to the public. This site centralizes the breaking updates from state government, as well as prevention and preparation tips, FAQs and resources from public health experts.
The Illinois Department of Employment Security recently adopted emergency rules to try to make the unemployment insurance system as responsive to the current situation as possible. Unemployment benefits may be available to some individuals whose unemployment is attributable to COVID-19. Find out more here.
Governor Pritzker ordered all bars and restaurants to close as of 9 p.m. on March 23. The Illinois Restaurant Association has been compiling resources and information here. Their resources include a presentation for employers preparing for and dealing with COVID-19 which can be found here.
Downstate Small Business Stabilization Program: This fund offers small businesses of up to 50 employees the opportunity to partner with their local governments to obtain grants of up to $25,000 in working capital. Offered on a rolling basis until the $20 million allotment is depleted, local governments will apply on behalf of businesses employing 50 people or less. For more information regarding this program, visit the Department of Commerce and Economic Opportunity’s page dedicated to the program.
Low-Interest Small Business COVID-19 Relief Program: the impact investment loan program under the Illinois State Treasurer makes up to $250 million in deposits available to financial institutions throughout the state, at near-zero rates. Small businesses interested in accessing the low-interest rate loans, are required to apply through financial institutions that are an approved program depository with the treasurer’s office. More information can be found on the State Treasurer’s website.
Resources for Businesses
- Federal Deposit Insurance Corporation (FDIC) is working with regulated financial institutions to help them meet the needs of their customers.
- Small Business Administration (SBA) is working with state Governors to provide low-interest loans to small businesses and nonprofits that have been severely impacted by the Coronavirus (COVID-19).
- Guidance for Businesses and Employers
- SBA Products and Resources
- Government Contracting
- Local Assistance
- Economic Injury Disaster Loan Assistance: The Small Business Administration (SBA) offers Economic Injury Disaster Loans (EIDL) to help small businesses meet working capital needs caused by natural disaster. The CARES Act modified EIDL loans for small businesses suffering during the COVID-19 pandemic, including a grant provision not requiring repayment. Significant elements of the EIDL loans under the CARES ACT include:
- Maximum loan amount of $2 million, an interest rate of 3.75 percent and a maximum of 30 years to repay.
- Loans greater than $200,000 require personal guarantees (no personal guarantees are required for loans less than that amount).
- The CARES Act removed the traditional SBA requirement that the borrower is not able to secure credit from another lender.
- Notably, the CARES Act added an emergency provision that allows a non-repayable advance of $10,000. The advance should be paid within three days of the request and must be used for authorized costs. Repayment of the grant is not required if the EIDL loan is not approved.
- Visit the SBA’s website for more direction regarding EIDL assistance.
- Payroll Protection Program: The U.S. Department of the Treasury released final rules on the Paycheck Protection Program which authorizes up to $350 billion in forgivable loans to small businesses to pay employees during the COVID-19 crisis. Loan proceeds will be forgiven if they are used to cover payroll costs, as well as mortgage interest, rent or utilities over the eight-week period after the loan is made, provided employee and compensation levels are maintained.
- Loans are available for small employers and certain 501(c)(3) organizations, with 500 employees or fewer, as well as those that meet the current SBA size standards.
- Loans equal to 250 percent of an employer’s average monthly payroll cost up to $10 million are eligible for forgiveness. The average monthly payroll cost is the average of the 12 months payroll prior to the loan, including employer-funded health insurance and retirement benefits. Eligible payroll costs include compensation to owners but exclude compensation to an employee compensated above $100,000.
- If not forgiven after the eight-week period, loan terms are 1 percent interest over two years.
- Sole proprietors and independent contractors are eligible to apply beginning April 10, 2020.
- Loans are administered by an SBA-approved lender, and all requirements for personal guarantees will be waived. Contact your current financial provider find out if the bank is participating in the program. If not, the bank will direct you to another participating lender.
- Learn more about the Payroll Protection Program here.
- Employee Retention Credit: another tool provided under the CARES Act designed to encourage employers to keep their employees on their payroll, details regarding the credit include:
- a fully refundable tax credit for employers equal to 50 percent of qualified wages (including allocable qualified health plan expenses) that eligible employers pay their employees.
- The Employee Retention Credit applies to qualified wages paid after March 12, 2020, and before January 1, 2021.
- The maximum amount of qualified wages considered with respect to each employee for all calendar quarters is $10,000, so that the maximum credit for an eligible employer for qualified wages paid to any employee is $5,000.
- An employer may not receive the Employee Retention Credit if the employer receives a loan under the Paycheck Protection Program.
- The Internal Revenue Service provides comprehensive details regarding Employee Retention Credit here.
Process for Accessing SBA’s Coronavirus (COVID-19) Disaster Relief Lending
- The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Upon a request received from a state’s or territory’s Governor, SBA will issue under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, an Economic Injury Disaster Loan declaration.
- Any such Economic Injury Disaster Loan assistance declaration issued by the SBA makes loans available to small businesses and private, non-profit organizations in designated areas of a state or territory to help alleviate economic injury caused by the Coronavirus (COVID-19).
- SBA’s Office of Disaster Assistance will coordinate with the state’s or territory’s Governor to submit the request for Economic Injury Disaster Loan assistance.
- Once a declaration is made for designated areas within a state, the information on the application process for Economic Injury Disaster Loan assistance will be made available to all affected communities.
- 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. The interest rate is 3.75% for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. 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.
- SBA’s Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government’s coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.
For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail email@example.com
Federal COVID-19 Resources
Health and Safety
- Information on Coronavirus Disease 2019 (COVID-19) Prevention, Symptoms and FAQ
- Share Facts about COVID-19
- CDC Coronavirus Disease 2019 (COVID-19) Web page
- John Hopkins provides information on the virus, treatment and research.
- Visit the Mayo Clinic for information on symptoms and treatment.
- Administration for Community Living offers information for older adults, and people with disabilities.
- Centers for Disease Control and Prevention (CDC) is studying the virus worldwide and helping communities respond locally. Check the CDC’s Coronavirus Disease 2019 (COVID-19) page for news and guidance.
- Corporation for National and Community Service guidance for volunteers and programs.
- Defense Commissary Agency is ensuring the quality and safety of food available at commissaries world-wide.
- The Department of Energy is researching COVID-19 at the National Labs.
- The Department of Health and Human Services Office of the Assistant Secretary for Preparedness and Response (ASPR) is developing new medical treatments.
- The Department of Homeland Security is facilitating a whole-of-government response in confronting COVID-19
- The Department of Labor has information for employers and workers on preparing workplaces and responding to COVID-19 in the workplace.
- The Environmental Protection Agency has information about disinfectants that can kill COVID-19 and facts about water safety.
- The Food and Drug Administration is working with the medical industry to develop vaccines, drugs, and diagnostic tests. For healthcare professionals, they offer FAQs about diagnostic testing.
- The Military Health System offers health advice, and updates on travel restrictions for members of the military.
- The Navy and Marine Corps Public Health Center published guidance for healthcare providers.
- U.S. Department of Agriculture answers questions about food safety and pet safety.
- U.S. Fire Administration published infection control guidance for first responders.
Travel and Transportation
- Federal Aviation Administration (FAA) offers guidance for air travelers.
- Federal Transit Administration (FTA) offers guidance to transit agencies.
Money and Taxes
- Internal Revenue Service (IRS) advice for deducting COVID-19 costs from your taxes.
- Trump Administration to delay tax payments for most individuals.
- The Department of Housing and Urban Development (HUD) issued guidance for public housing authorities, landlords, shelters, non-profits, grantees, and stakeholders.
- Department of State is working with international governments to combat COVID-19 and has also issued travel advisories.
- U.S. Agency for International Development (USAID) is providing funding to international organizations to combat COVID-19.
- OSHA COVID-19 Resources
- Some states are extending unemployment benefits to those quarantined or laid off due to COVID-19.