Fact sheets provide summary of resources available
In response to the COVID-19 public health crisis, Congress has taken swift action, through three funding packages, to provide emergency relief hospitals, communities and workers.
Congressman Brian Higgins provided the following summary of the resources available to families and students.
The Coronavirus Aid, Relief, and Economic Security (CARES) Act authorizes a one-time automatic payment to many Americans as the nation confronts the COVID-19 pandemic. The Internal Revenue Service will disburse a $1,200 payment to every eligible adult ($2,400 for joint filers), plus an additional $500 per dependent child under 17. If you are a student over the age of 17 and claimed as a dependent, you will be ineligible to receive the direct stimulus payment at this time, however Higgins is supporting legislation to change that.
Payments gradually phasedown for individual incomes exceeding $75,000, $112,500 for head of households, or $150,000 for joint filers. Once income surpasses these thresholds, the check amount is reduced incrementally. Payments will be delivered automatically by the IRS to Americans based on their most recent federal income tax return data or Social Security Administration data. When available, electronic direct deposit will be used in place of mailing a physical check. For those who do not need to file a federal income tax return, the IRS will provide further guidance.
To help American workers make up for lost wages, the CARES Act:
•Temporarily increases unemployment benefits by $600 per week while eligible workers are receiving regular state unemployment compensation or federal emergency pandemic unemployment compensation (extended benefits) through July 31, 2020;
•Extends unemployment benefits to the self-employed, gig workers, independent contractors, part-time workers, and those with limited work histories;
•Provides an additional 13 weeks of unemployment benefits, through Dec. 31, 2020, to help those who remain unemployed after other federal and state unemployment benefits are no longer available;
•Assures taking unemployment benefits will not impact your eligibility for Medicaid or the Children’s Health Insurance Program;
•Helps workers who have had their hours reduced or who have been furloughed by making them eligible for partial state unemployment benefits. In exchange, employers agree not to lay off their employees.
To see if you are eligible, visit www.labor.ny.gov or call 1-888-209-8124. Please remain patient, but persistent as state agencies are dealing with an unprecedented amount of calls.
The Families First Coronavirus Response Act, approved by Congress, provided $500 million for administrative assistance to overwhelmed state unemployment offices.
Emergency Paid Sick and Family Leave
The Families First Coronavirus Response Act expands access to emergency paid sick leave to as many as 87 million working Americans. Eligible employees include those at companies with fewer than 500 employees, government employees, and those who work under a multiemployer collective agreement and pay into a multiemployer plan.
Eligible employees are entitled to two weeks (80 hours) of fully paid time off (up to $511 per day) to receive treatment for COVID-19, seek a diagnosis, and self-quarantine. Those eligible can also receive two weeks (80 hours) of paid time off at two-thirds of their regular pay (up to $200 per day) to care for family members affected by COVID-19 or to care for children whose school has closed because of the outbreak.
Eligible individuals needing to take care of a child whose school has closed or whose regular child care provider is otherwise unavailable due to the COVID-19 public health emergency may take up to 10 additional weeks of time off, paid at the same two-thirds of their regular pay (up to $200/day).
Deferral of Student Loan Payments
The CARES Act pauses payments on all federal student loans held by the U.S. Department of Education. In other words, students will not be required to make payments toward outstanding principal or interest through Sept. 30, 2020. The accrual of interest on these loans is suspended for six months. The six months during which borrowers are not required to make payments will be counted toward the minimum number of months of qualified payments necessary for loan forgiveness under the Public Service Loan Forgiveness Program and similar federal student loan forgiveness programs. Students are still allowed to make payments, should you choose to.
The CARES Act prohibits forced collections such as garnishment of wages, tax refunds and Social Security benefits. Student borrowers will continue to receive credit toward public service loan forgiveness, income-driven repayment forgiveness, and loan rehabilitation during this grace period.
Check with your loan servicer to ensure your loans are through the U.S. Department of Education and not through a private lender.
For eligible students, the CARES Act authorizes institutions of higher learning to continue issuing work-study payments if one is unable to work due to workplace closures relating to COVID-19.
The CARES Act excludes this term from counting toward one’s lifetime subsidized loan eligibility or lifetime Pell Grant Eligibility. Affected semester’s grades will not affect future federal academic requirements needed to continue receiving Pell Grants or student loans.
In addition, students are also not required to return unused Pell Grants or federal student loans to the Department of Education. The CARES Act cancels the portion of one’s loan taken out for the semester if one withdrew due to COVID-19.
Corporation for National and Community Services Awards (CNCS)
For students serving in CNCS programs, such as AmeriCorps or Teach for America, the CARES Act provides members with the education award they were due to receive before their duties were suspended or placed on hold because of the COVID-19 disaster declaration. The CARES Act also extends the terms of service to allow individuals to continue once the COVID-19 disaster declaration ends.
Food and Nutrition Assistance
The CARES Act provides an additional $15.5 billion in funds for the Supplemental Nutrition Assistance Program (SNAP), and $8.8 billion for the Child Nutrition Programs to ensure children receive meals while school is not in session. The act also provides $450 million in funding for emergency food assistance provided through local food banks and pantries. To apply for SNAP benefits, visit https://www.ny.gov/services/apply-snap. For local support, visit FeedMore WNY at https://www.feedmorewny.org/.
Health Care and Waiving COVID-19 Fees
The CARES Act requires all private insurers and Medicare to cover COVID-19 treatment and prevention. To increase price transparency, the act requires diagnostic test providers to make the COVID-19 test publicly available to search on the internet. When a treatment becomes available, the CURES Act requires the COVID-19 vaccine to be made available without cost-sharing to everyone.
Summaries of COVID-19 relief available to families, students, seniors and small business are provided through fact sheets on Higgins’ website at: https://higgins.house.gov/issues/coronavirus-disease.
Also available at:
•Relief for families: https://higgins.house.gov/sites/higgins.house.gov/files/Families%20-%20COVID19.pdf.
•Relief for students: https://higgins.house.gov/sites/higgins.house.gov/files/Students%20-%20COVID19.pdf.