Freelancer COVID19 Money Help - Prioritize + apply for ALL your COVID19-related aid | Product Hunt Embed

What To Do Next

When things go haywire around us it’s can be reassuring to take stock of what we can control and do. Below are some steps you can take ASAP to gain more stable footing and start navigating the impacts of COVID19. It’s important to note that while there are already wait lists for some of this support, make sure to fill out the forms and make the calls now so you’re at the front of the line as resources and more offers become available.

Call your lenders. Talk with any companies or people to whom you owe money. Ask them about your options in lowering your interest rates, deferring payments and forgiving fees. The first call is the hardest. It gets easier after that - and they’re expecting your calls. 
Get organized. All these unemployment, loans and grant forms require you know how much you earned and spent last year on your own income, supplies, leasing office space, subcontractors, etc. Either download all your bank statements from the past year through January 31, 2020 to calculate everything or use an app like Lance that syncs with all your bank accounts and will organize it all for you. 
Get government help. Find your home state below to determine what you’re eligible for in terms of unemployment insurance and the relevant SBA and PPP grants and loans. Apply for everything you can now, and then you can have the option to figure out what you need in the days and weeks ahead. Remember, the EIDL (Economic Injury Disaster Loan) and PPP (Paycheck Protection Program (PPP) SBA loan rates are much lower than any other loan or credit card rate out there today. If you need help filling out the forms, just let us know - we're here to help with that too!
Take advantage of better offers. Banks and lenders are offering great rates on balance transfer or low-rate cash back cards and loans today. If you can’t or don’t want to take advantage of the government resources, look into transferring or consolidating any debt into these options -  or using them to create some more near term support. 
Take the time to learn. Take advantage of heavily-discounted online courses from Coursera, Udemy, Skillshare and others to bolster or increase your potential income streams through the shift created by COVID19. 
Clean up your business practices. Attend Lance and other sessions (Facebook groups are hosting tons of great FB Live events!) to bolster knowledge of business best practices and habits. You can develop some good processes and business management habits now that’ll serve you well into the future.

Lance Events

We know this is a crazy time for everyone and we’re all searching for answers - and maybe just another smiling face and point of grounding. To that end, we’re hosting two types of virtual sessions regularly to help provide that very human - and sometimes humorous - type of support. We also have a group that's open for more regular Q&A. Feel free to join whatever you need.

Lance Happy Hours - Tuesdays and Wednesdays at 4pm PT/7pm ET, the CEO of Lance will host or co-host a happy hour to have a little time together and share a drink. We share the day's highs and lows and then Oona (or the co-host) will offer up a business tip or motivational thought to give us a shot of strength and keep us all moving forward. Come join us!

Weekly Lance Virtual  Workshops - On a weekly basis, there’ll be an hour-long roll-up-your-sleeves workshop around different business and financial topics relevant to freelancers and solopreneurs, like shifting your businesses online, how to set your hourly or retainer rates, how to create and run a passive income stream, and more. With each session there’ll something to carry forward momentum in your everyday business growth.

Business Advice for Freelancers - Most of us now work across multiple industries and types of businesses, so this Facebook group is where solopreneurs of all different paths can come together with questions and for support. Enjoy daily conversations about business and financial best practices, accountability exercises, client marketing tips, and more.  

The CARES Act: What’s Included & What Can You Expect?

The Coronavirus Aid, Relief and Economic Security (CARES) Act went into effect on March 27. The $2 trillion bill was designed to provide much-needed economic relief to individuals and businesses that have been negatively affected by COVID19, and to better support the healthcare system. Unfortunately, the roll-out has been anything but smooth. Loan programs were depleted within just days of opening, state unemployment websites are struggling to operate amid unprecedented claims volumes, and critical healthcare resources have already become scarce. 

Here’s a breakdown of the three core components of the CARES Act, and the latest on each with the latest round of April’s refunding of the programs. 

Paycheck Protection Program - In less than two weeks after opening, the Paycheck Protection Program (PPP) ran out of money. Eight days later, on April 24, President Trump signed a new $484 stimulus bill into law, which will provide $310 billion to revive the program.

Small Business Administration (SBA) Grants + Loans - The SBA is a federal agency that provides capital and other resources to small businesses in the U.S. Under the CARES Act, the SBA launched several COVID19 relief options, including the PPP, the Economic Injury Disaster Loans, SBA Express Bridge Loans, and SBA Debt Relief. However, like the PPP, the initial $10 billion Congress appropriated for Economic Injury Disaster Loans also ran out in mid-April. The program was meant to deliver a $10,000 advance to businesses in need, and provide loans of up to $2 million.
Under the latest stimulus bill, $60 billion will be used to fulfill EIDL requests. However, the SBA has issued a lapse of appropriations, meaning it is unable to accept new applications. Many banks that receive additional funding will use it to provide loans to applicants already in the pipeline before accepting new ones. If you need a loan but have not yet submitted an application, research participating lenders here to see if they are accepting new applicants or contact fintech companies, such as PayPal, Intuit, Square, and OnDeck.



The Pandemic Unemployment Assistance program. This program extends unemployment benefits to cover individuals who are self-employed, independent contractors, and gig workers — groups that are usually excluded from unemployment eligibility. Eligible claimants will get $600 per week for four months, plus half of the average unemployment insurance in your state. **Note: If you qualify for unemployment in your state as a freelancer, you will receive the full $600 per week, regardless of what your income was previously. Unemployment benefits are considered a taxable income.
‍The federal package will add to state unemployment benefits. For those who have lost formal employment or had their hours reduced, eligible individuals will receive an additional $600 each week for up to four months on top of regular unemployment benefits provided by their state.
Furloughed workers will be eligible for unemployment. This means if you’re out of work but haven’t been laid off, you can collect unemployment while keeping your company’s health insurance plan, along with other benefits.
Paid sick leave will cover more. Under the Families First Coronavirus Response Act, you might qualify for paid sick or family leave for two to 12 weeks, even if you aren’t diagnosed with COVID-19 and don’t normally get sick paid time off from your job.
The 7-day waiting period to start receiving benefits will be waived. Most states usually make you wait seven days before beginning to receive unemployment benefits (although many have already suspended this policy). Under the new relief bill, the federal government will provide that funding your first week off. 
Standard eligibility rules are on pause. Usually, eligibility for UI hinges on your ability to prove you were involuntarily separated from your work, able to work, available to begin new work, and are actively seeking a new job opportunity. Given the active Shelter-in-Place laws sweeping many states, these requirements will be relaxed. Under the stimulus package, even those who haven’t been laid off but can’t work as a direct result of COVID19 will also be eligible for UI.
Another relief bill is likely to follow. While this current stimulus bill is significant, the Congress said more aid will likely be needed. 

As a note, the policy changes and additional funding granted by the federal bill will be distributed  by the states. Given this, you want to keep track of the benefits as they become available in the state you or your business are based. Below this general federal info, we've provided relevant info and contact details by state and will update it regularly. 

Federal Small Business Loans and Support

Small businesses and sole proprietors are eligible to take advantage of a variety of Small Business Administration support. Below are the different types of loans and aid available today. This will likely change in the weeks and months to come, so keep an eye on this page and the SBA site too. 

Economic Injury Disaster Loan Program - These potentially forgivable low-interest loans cover small business operating expenses for businesses, renters, and homeowners affected by declared disasters, including COVID19. Small business owners in all U.S. states and territories are currently eligible to apply for a low-interest loan due to Coronavirus (COVID-19). Click here to apply.

‍SBA Express Bridge Loans - If you already have a business relationship with an SBA Express Lender, you can now access up to $25,000 with less paperwork. These loans can help with the temporary loss of revenue through either a one-time loan or a loan to bridge the gap while applying for a SBA Economic Injury Disaster Loan. These can be repaid in full or in part by proceeds from the EIDL loan. Find an Express Bridge Loan Lender via SBA’s Lender Match Tool or by connecting with your local SBA District Office.

SBA Express Bridge Loans - If you already have a business relationship with an SBA Express Lender, you can now access up to $25,000 with less paperwork. These loans can help with the temporary loss of revenue through either a one-time loan or a loan to bridge the gap while applying for a SBA Economic Injury Disaster Loan. These can be repaid in full or in part by proceeds from the EIDL loan. Find an Express Bridge Loan Lender via SBA’s Lender Match Tool or by connecting with your local SBA District Office.

Lender Match - SBA has a free online referral tool that connects small businesses with participating SBA-approved lenders within 48 hours. The details below are brief, please visit the website if you want more info.

State-by-State Unemployment and
Freelancer Aid Breakdown

Again, this is info to help you navigate the standard unemployment and - where available, freelancer -  support in your home state. As states start to update their resources and provide further instructions for claiming unemployment, we’ll update the info here as well. 
‍
Many states’ unemployment websites, phone lines, and offices are overwhelmed right now with requests. Our advice is to keep trying — they will get to everyone eventually!
‍
All state requirements are listed in alphabetical order, so you can find the answers you need!

Alabama

Individual Unemployment

  • Alabama unemployment benefits are available to any individual who has lost their work through no fault of their own as a result of COVID19. Eligibility now includes being unable to work due to illness of COVID19, quarantine or isolation due to the disease, caring for an immediate family member who has been diagnosed with COVID19, or reduced hours as a result of social distancing measures. 
  • Employees with no symptoms but who quarantine out of concern will likely not be eligible for unemployment benefits.
  • Typically, individuals can receive between $45 and $275 per week for between 14 and 20 weeks. Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by dialing (866) 234-5382.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.
  • ‍

Freelancer Coverage

  • Self-employed workers and individuals employed by churches are typically not eligible for unemployment benefits, because in order to receive benefits, unemployment insurance taxes must be paid by the employer.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Alabama Department of Labor at (866) 234-5382.
  • S
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Alaska

Individual Unemployment

  • Eligibility for UI in Alaska will now extend to those whose employment has been negatively affected by COVID19. Those who have been temporarily or permanently laid off, those who have had their hours reduced, those who cannot work because they have contracted the disease, those who need to stay home to take care of a child, and those who have been directed to be quarantined may qualify.
  • Approved claimants will receive $56 to $370 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling your local claim center.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Typically, those who are considered self-employed or freelancers do not qualify for unemployment benefits. 
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.Contact the Alaska Department of Labor and Workforce Development here.‍
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.  


Arizona

Individual Unemployment

  • Arizona’s Department of Economic Security has expanded its Unemployment Insurance eligibility requirements to cover individuals whose employment has been negatively affected by COVID19, including those who have lost their jobs or had their hours reduced drastically; those who are quarantined and cannot work; those who leave their employment due to risk of exposure or infection, or are particularly susceptible to the disease; or those who leave their employment to care for a family member who has been diagnosed.
  • Benefits range from $187 to $240 per week for up to 26 weeks. Eligible claimants will also receive $600 per week as part of the federal stimulus bill.
  • Apply online here or by calling 1 (877) 600-2722. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Typically, those who are considered self-employed or freelancers do not qualify for unemployment benefits. 
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Arizona Department of Economic Security at (602) 364-2722.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.  

‍

Arkansas

Individual Unemployment

  • Individuals in Arkansas whose employment has been negatively affected by COVID19 may be eligible for UI. In researching this article we were unable to access the official government websites, probably due to high volumes of traffic or site maintenance. However, in an interview with 5 News Online, Arkansas Senator Tom Cotton said to qualify for UI, “an individual must have lost their job or income due to the virus, tested positive or exhibited symptoms of the virus, or be caring for a member of your household or family who has been diagnosed with the virus.” Partial insurance may be available for those who have had their hours cut.
  • Approved claimants will receive $81 to $451 per week for up to 16 weeks. Those who qualify will also receive $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling 855-225-4440 or the temporary hotlines, 844-908-2178 and 501-534-6304. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Typically, those who are considered self-employed or freelancers do not qualify for unemployment benefits. 
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Arkansas Department of Workforce Services at (855) 225-4440.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

California

Individual Unemployment

  • If your work hours have been reduced or you’ve been laid off as a result of COVID-19, you may be eligible for UI. 
  • You may also be eligible if you’re unable to work because you are sick or quarantined. (File a claim for Disability Insurance)
  • You may also be eligible if you’re providing care for a quarantined or ill family member with COVID-19, certified by a medical professional. (File a Paid Family Leave claim)
  • You may also be eligible if you’re providing care at home for a child due to school closures. (File for Unemployment Insurance)
  • Your weekly UI could range from $40-$1,300, depending on your income. Eligible claimants will also receive $600 per week as part of the federal stimulus bill.
  • You can file a UI claim online or call any of the numbers listed on this page, depending on your language preference.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the self-employed may be able to access benefits from EDD employment insurance programs that the individual or their employer has contributed to over the past 5-18 months. If you were misclassified as an independent contractor instead of an employee, you may also be eligible. Learn more here.
  • Freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Employment Development Department here.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Colorado

Individual Unemployment

  • The Colorado Department of Labor and Employment has extended Unemployment Insurance eligibility to those whose employment has been negatively affected by COVID19. Those whose work hours have been reduced to zero for the next 30 days, those who work for closed ski resorts, and those who were laid off by their employer through no fault of their own qualify. The state is relying on the new federal rules regarding coverage for individuals who cannot work due to being diagnosed with COVID19 and those who are required to self-quarantine.
  • UI benefits range from $25 to $561 per week for up to 26 weeks. Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here, but note that those applying for coverage under the federal Pandemic Unemployment Assistance program should wait to file until the state updates its systems. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Typically, those who are considered self-employed or freelancers do not qualify for unemployment benefits. 
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Colorado Department of Labor and Employment at (303) 318-8000.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Connecticut

Individual Unemployment

  • Individuals who have become unemployed or have experienced a drastic reduction in their hours can file for UI in Connecticut.
  • Eligible claimants can receive a maximum of $649 for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • Submit your claim online here or by calling (860) 263-6000.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Typically, those who are considered self-employed or freelancers do not qualify for unemployment benefits. 
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Connecticut Department of Labor at (860) 263-6000.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Delaware

Individual Unemployment

  • Individuals whose employment has been negatively affected by COVID19 may be eligible for UI from Delaware. Eligibility would extend to those who have been temporarily or permanently laid off, those who are under quarantine, those who are unable to work because they have contracted COVID19 or they are caring for a sick family member, and those who have to stay home to perform childcare.
  • Approved claimants will receive $20 to $400 for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling the relevant local phone number listed here. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Typically, those who are considered self-employed or freelancers do not qualify for unemployment benefits. 
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Unemployment Benefits Office by calling the relevant local phone number listed here. 
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

Florida

Individual Unemployment

  • As a result of the COVID19 pandemic, the Florida Department of Economic Opportunity announced Reemployment Assistance will be available to people who: are required to be quarantined by a medical professional or a government agency; are laid off or put on leave without pay for an extended period by their employer; and are caring for an immediate family member diagnosed with COVID19.
  • Florida currently provides up to $275 of Reemployment Assistance per week for up to 12 weeks. Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (800) 681-8102.

Freelancer Coverage

  • Under normal circumstances, the state does not offer Reemployment Assistance to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Florida Department of Economic Opportunity’s Claims and Benefits department at (800) 204-2418.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Georgia

Individual Unemployment

  • In the event of temporary or partial layoffs due to COVID19 (including a reduction in hours), employers are required to request benefits on behalf of employees. Employers who fail to do so will be required to reimburse the GDOL for the full amount of unemployment insurance benefit the state paid to its employees. 
  • Individual claimant eligibility will align with the eligibility requirements now outlined in the federal bill.
  • Typical weekly benefits range from $44 to $330 for up to 20 weeks, depending on your weekly earnings. Eligible claimants will also receive $600 per week as part of the federal stimulus bill.
  • Find instructions for filing unemployment here.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the office of Unemployment Insurance at (404) 232-3180.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Hawaii

Individual Unemployment

  • Hawaii has updated its unemployment benefits accordingly: Individuals who have lost their employment and are not being paid due to COVID19 are eligible to apply for UI; employees who are unable to work due to being ill or quarantined may be eligible for Temporary Disability Insurance; employees who become ill with COVID19 because of their jobs may be eligible for Workers Compensation; and those who cannot work because they need to care for a family member who is ill or quarantined can apply for benefits under the Hawaii Family Leave Law. 
  • Eligible claimants can receive between $5 and $648 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • Apply online here or by calling (808) 586-8866.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Find phone numbers for claims and benefits services across the islands here. 
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Idaho

Individual Unemployment

  • Individuals in Idaho whose employment has been negatively affected by COVID19 may be eligible for UI. Those who are unemployed or underemployed due to illness, quarantine, layoffs, or reduction of work as a result of COVID19 are encouraged to apply. 
  • Approved claimants will receive $72 to $448 per week for up to 20 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • Apply online here or by calling (208) 332-8942.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Idaho Department of Labor by calling (208) 332-8942.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Illinois

Individual Unemployment

  • The Illinois Department of Employment Security has expanded UI eligibility to include people who are: temporarily laid of because their place of work is temporarily closed; confined to their home because they have been diagnosed with COVID19; need to care for their spouse, parent, or child who has been diagnosed or because of a government-imposed quarantine; or have left work to take care of their child or children as a result of statewide school closures.
  • Individuals can receive between $51 and $471 in UI per week, depending on their base period wages. Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.
  • View the online claims filing schedule and submit a claim here.  
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • You can reach the Illinois Department of Employment Security customer service at (800) 244-5631 or (866) 488-4016.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Indiana

Individual Unemployment

  • Individuals in Indiana whose employment has been negatively affected by COVID19 may be eligible for UI. Those who have been temporarily or permanently laid off, those who have had their hours reduced, those who are directed to quarantine, and those who are unable to go to work because they need to care for a child. Those who voluntarily leave work to self-quarantine will not be eligible.
  • Approved claimants will receive a maximum of $390 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (800) 891-6499.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Indiana Department of Workforce Development by calling (800) 891-6499.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Iowa

Individual Unemployment

  • Employees who cannot work because they have been laid off, have had their hours reduced, are sick or quarantined, or are caring for a family member who is sick or quarantined can apply for UI. However, employees are required to use all of their remaining paid leave, sick leave, and vacation time prior to filing for unemployment. Find more info on eligibility here.
  • Eligible claimants can receive $87 to $591 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • Apply online here or by calling (866) 239-0843.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Typically, the self-employed are eligible for UI, but they are still required to fulfill typical requirements, such as being able, available, actively looking for work, and willing to accept suitable work. The enactment of the CARES Act will temporarily suspend those requirements. 
  • Those who qualify will receive $600 a week in addition to what they are eligible for from the state.
  • Contact the Iowa Department of Workforce Development at (866) 239-0843.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Kansas

Individual Unemployment

  • Individuals in Kansas whose employment has been negatively affected by COVID19 may be eligible for UI. Eligibility will extend to those who have been temporarily or permanently laid off, and those who have had their hours reduced.  
  • Approved claimants will receive $122 to $488 per week for up to 16 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling your relevant local office number on this page. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Those who are self-employed, independent contractors, or gig workers may be eligible for UI if they have worked for an employer who has paid unemployment taxes in the last 18 months. The self-employed are encouraged to apply, and staff will determine whether the individual has sufficient insured earnings to support a claim for UI.
  • As part of the federal stimulus package, freelancers are now eligible to receive unemployment insurance of $600 per week plus half of the average unemployment insurance amount in their state. 
  • Contact the Kansas Department of Labor by calling your relevant local office number on this page.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

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Kentucky

Individual Unemployment

  • According to the Kentucky Office of Unemployment Insurance, eligibility for UI extends to those who have been laid off due to the Coronavirus outbreak. The state’s website doesn’t address other scenarios, such as those who are unable to work due to required quarantine, child care responsibilities, or reduction of hours.
  • Approved claimants will receive $39 to $552 per week for up to 26 weeks.  Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling one of the local phone numbers on this page. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Kentucky Career Center by calling one of the local phone numbers on this page.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

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Louisiana

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Individual Unemployment

  • Individuals in Louisiana whose unemployment has been negatively affected by COVID19 may be eligible for UI. Those who have been temporarily or permanently laid off, those who have had their hours reduced, those who are under a quarantine order might qualify. 
  • Approved claimants will receive $10 to $247 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (866) 783-5567.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the UI department at the Louisiana Workforce Commission by calling (866) 783-5567.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

Maine

Individual Unemployment

  • If your employment has been impacted by COVID19 you may qualify to receive UI. Eligibility will now cover those who have been temporarily laid off or lost their jobs, those who are in isolation or quarantine, those who must stay home to care for a child, and those who cannot work due to having contracted the Coronavirus. Find more info here.
  • Approved claimants can receive a maximum of $445 per week for up to 26 weeks. The average weekly benefit amount is $340. Those who qualify will also receive $600 in addition to what they are eligible for from the state.
  • Apply online here or by calling 800) 593-7660.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount in their state. 
  • You can reach the Maine unemployment office at the Department of Labor by dialing (800) 593-7660.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

Maryland

Individual Unemployment

  • Individuals in Maryland whose employment has been negatively affected by COVID19 may be eligible for UI. Expanded coverage will apply to those who have been temporarily or permanently laid off, those who have had their hours reduced,  those who leave their jobs due to reasonable risk of exposure to COVID19 or to care for a family member who is sick, and those who cannot work because they need to care for a child. Those who have been diagnosed with COVID19 and those who are under quarantine but are expected to return to work after should first use any available PTO and paid sick leave. If they don’t get paid leave or have already exhausted this option, they can file for UI.
  • Approved claimants will receive $50 to $430 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • Submit a claim online here or by calling (410) 949-0022.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount in their state. 
  • Contact the Division of UI within the Maryland Department of Labor by calling (410) 949-0022.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

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Massachusetts

Individual Unemployment

  • Individuals who have lost their employment either permanently or temporarily due to COVID19, including those who are unable to work as a result of illness, quarantine, isolation, or caring for a family member are eligible to apply for UI.
  • Approved claimants can receive a maximum of $823 per week for up to 26 weeks. Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.
  • Apply online here or by calling (617) 626-6338. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount in their state. 
  • You can reach the Massachusetts unemployment office at the Department of Labor by dialing (617) 626-6338.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

Michigan

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Individual Unemployment

  • Unemployment Insurance eligibility in Michigan now extends to workers: who are sick, quarantined, immunocompromised, and who do not have access to paid family and medical leave, and are laid off; who have an unanticipated family care responsibility, such as childcare due to school closures, or those who are caring for a loved one who has become ill, and who do not have access to paid family and medical leave or are laid off; and who are in the public health community and become ill or are quarantined following COVID19 exposure and who do not have access to paid family and medical leave or are laid off.
  • In Michigan, you can collect up to $362 for a maximum of 26 weeks.  Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.
  • Submit a claim online at Michigan.gov/UIA  or by calling (866) 500-0017.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact Michigan’s Department of Labor and Economic Opportunity at (866) 500-0017.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

Minnesota

‍

Individual Unemployment

  • Eligibility for UI in Minnesota will now cover those who have temporarily or permanently lost their job or hard their hours reduced as a result of COVID19; those who have been ordered not to come to their workplace because of possible COVID19 exposure; and those who cannot work due to new childcare or family care responsibilities as a result of the virus.
  • Eligible claimants can receive a maximum of $740 per week for up to 26 weeks. Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.
  • Apply online here or by calling the relevant local number on this page. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Department of Minnesota Unemployment Insurance by calling the relevant local number on this page. 
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Mississippi

Individual Unemployment

  • Individuals in Mississippi whose employment has been negatively affected by COVID19 may be eligible for UI. Benefits would extend to those who are temporarily or permanently laid off, those who were ordered to quarantine by a medical professional or government agency, those who were diagnosed with COVID19, and those who have to stay home to care for a family member with a COVID19 diagnosis. Individuals who have had their hours reduced are eligible for partial unemployment.
  • Approved claimants will receive $30 to $235 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (888) 844-3577.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Mississippi Department of Employment Security by calling (888) 844-3577.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

Missouri

Individual Unemployment

  • Individuals whose employment has been affected by COVID19 may be eligible for UI. Qualifying cases include those who have lost their employment temporarily or permanently, those who are under mandatory quarantine, and those who self-quarantine. Those who voluntarily leave their jobs to care for their children will most likely not be eligible for coverage. Those who cannot work due to being diagnosed with Coronavrius might be eligible, depending on their circumstances. Additionally, those who have already exhausted their UI for the benefit year cannot receive additional benefits at this time.
  • Eligible claimants can receive a maximum of $320 per week for a maximum of 20 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling the relevant local number on this page.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Missouri Department of Labor by calling the relevant local number on this page.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Montana

Individual Unemployment

  • Individuals in Montana whose work has been negatively affected by COVID19 may be eligible for UI. Benefits would extend to those who have been temporarily or permanently laid off, those who have had their hours reduced, and those who have been directed by a medical professional, local health authority, or employer to be isolated or quarantined. Those who can’t work because they need to care for a child may be eligible if they don’t have the option to telework.
  • Approved claimants will receive $138 to $552 per week for up to 28 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (406) 444-2840.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Montana Department of Labor and Industry by calling (406) 444-2840.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

Nebraska

Individual Unemployment

  • Individuals who have lost their employment due to COVID19 and are in an unpaid status are now eligible for UI. Those who voluntarily leave their jobs, and those who have the option to telework are not eligible. 
  • Approved claimants can receive $174 to $440 for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • FIle a claim online here or by calling (402) 458-2500.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Nebraska Department of Labor at (402) 458-2500.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Nevada

Individual Unemployment

  • Individuals in Nevada whose employment has been negatively affected by COVID19 may be eligible for UI. Benefits would extend to those who have been temporarily or permanently laid off and those who have had their hours drastically reduced. 
  • Approved claimants will receive a maximum of $469 per week for up to 26 weeks.  Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim here or by calling (888) 890-8211.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

New Hampshire

Individual Unemployment

  • Individuals who have been laid off temporarily or permanently, are unable to work due to being diagnosed with Coronavirus, in quarantine, or caring for family members or children are now eligible for UI in New Hampshire.
  • Eligible claimants can receive a maximum of $427 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by sending an email to the relevant office on this page. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the New Hampshire Department of Employment Security by sending an email to the relevant office on this page. 
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

New Jersey

Individual Unemployment

  • Individuals in New Jersey whose employment has been negatively affected by COVID19 may be eligible for UI. Benefits would extend to those who are unable to work because they have been diagnosed with COVID19 or have symptoms, those who have been exposed to the virus and have been directed to self-quarantine, those who have to stay home to care for a child, those who have been laid off temporarily or permanently, those who have had their hours reduced, those who need to care for a relative or loved one who has been diagnosed with COVID19 or has symptoms.
  • Approved claimants can receive a maximum of $713 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling the relevant local number on this page.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 
  • Contact the Division of Unemployment at the Department of Labor and Workforce Development by calling the relevant local number on this page.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

New Mexico

Individual Unemployment

  • Individuals whose employment has been negatively affected by COVID19 may be eligible for UI. For example, those who have been laid off temporarily or permanently, those who have had their hours reduced, those who are under quarantine or caring for a family member who is under quarantine are eligible to apply.
  • Approved claimants can receive a maximum of $461 for up to 26 weeks. Those who qualify will also receive $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (877) 664-6984.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact New Mexico’s Office of Employment at (877) 664-6984. 
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

New York

Individual Unemployment

  • New York’s Department of Labor is now accepting new UI claims for those who qualify under the Pandemic Unemployment Assistance program. For individual employees who already submitted a claim, your benefits will be updated automatically.  
  • Eligible individuals can collect between $104 and $504 per week for a maximum of 26 weeks. Those who qualify will also receive $600 per week as part of the federal stimulus bill.
  • You can file a claim online through this link. To reach the Department of Labor, click here. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • New York offers a Self-Employment Assistance Program which enables the self-employed to collect UI benefits while working full-time on their business.
  • Additionally, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

North Carolina

Individual Unemployment

  • Eligibility for UI benefits in North Carolina now extends to people who: are temporarily laid off because business has slowed down as a result of COVID19; have an employer who’s gone out of business due to COVID19; have been directed by their employer to isolate or quarantine because an employee is sick and operations have temporarily shut down; or have been directed by a medical professional or public health official to quarantine as a result of COVID19, even if they are not sick.
  • Benefits remain at a maximum of $350 per week for 12 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a new claim online at des.nc.gov or over the phone at (888) 737-0259. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the North Carolina Department of Employment Security at (888) 737-0259.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

North Dakota

Individual Unemployment

  • Individuals in North Dakota whose employment was negatively affected by COVID19 may be eligible for UI. Benefits would extend to those who have been laid off temporarily or permanently, those who are quarantined and cannot work, those who become ill with COVID19, and those who have to stay home to perform childcare. 
  • Approved claimants will receive $43 to $618 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (701) 328-4995.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the North Dakota Department of Jobs Services by calling (701) 328-4995.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Ohio

Individual Unemployment

  • After declaring a state of emergency in Ohio on March 9, the state is expanding its Unemployment Insurance to cover people who: are required to be isolated or quarantined as a consequence of COVID-19, even if they haven’t been diagnosed; were laid off by their employer due to the loss of production caused by COVID-19; or are in mandatory quarantine because of suspicion of having COVID19.
  • Eligible applicants can receive up to $480 per week for 20 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • Employees may file for unemployment here or by calling (877) 644-6562.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Call the Ohio Department of Job and Family Services at (877) 644-6562.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Oklahoma

Individual Unemployment

  • In researching the UI eligibility requirements in Oklahoma we were unable to access the official government websites. However, if you’ve been temporarily or permanently laid off, are unable to work, and are not receiving any type of compensation from your employer, we encourage you to fil a claim.
  • Approved claimants can receive a maximum of $539 per week for up to 26 weeks. Those who qualify will also receive $600 per week as part of the federal stimulus bill.
  • Apply online here or by calling (800) 555-1554. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Oklahoma Department of Labor at (405) 521-6100.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


Oregon

‍

Individual Unemployment

  • Individuals who are unable to work because they have been temporarily or permanently laid off, under quarantine, or caring for children or a family member will be eligible to apply for UI. Those who are unable to work because they have been diagnosed with COVID-19 or those who self-quarantine to avoid exposure might be eligible.
  • Eligible claimants will receive $122 to $524 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal bill.
  • File a claim online here or by calling (877) 345-3484.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Oregon Department of Labor and Industries at (971) 673-0761.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Pennsylvania

Individual Unemployment

  • In Pennsylvania, you may be eligible for Unemployment Compensation benefits if your employer: temporarily closes or goes out of business because of COVID19; reduces your hours because of COVID19; or has told you not to work to prevent you from getting or spreading COVID19.
  • You may also be eligible for Unemployment Compensation benefits if you have been told to quarantine or self-isolate or you live/work in a county under government-recommended mitigation efforts.
  • The maximum UI you can receive is $573 per week for 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • Apply for benefits online through this link.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • To contact the Office of Unemployment Compensation, click here.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Coverage

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Rhode Island

Individual Unemployment

  • Individuals in Rhode Island whose employment has been negatively affected by COVID19 may be eligible for UI. Benefits will extend to those who have been temporarily or permanently laid off and those who have to remain at home to care for a child. Individuals who are unable to work due to COVID19 diagnosis, symptoms, and quarantine may be eligible for Temporary Disability Insurance (TDI).
  • Approved claimants can receive a maximum of $586 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (401) 243-9100.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • To contact the Unemployment Insurance Service Center call (401) 243-9100.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

South Carolina

Individual Unemployment

  • Individuals who have temporarily or permanently lost their employment or had their hours reduced are eligible to apply for UI. Those who cannot work because they are under quarantine, have been diagnosed with COVID19, must stay home to take care of a child or family member, or voluntarily left work to avoid exposure are not eligible for UI. 
  • Eligible claimants will receive$42 to $326 per week for up to 20 weeks. Those who qualify will also receive an additional  $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (866) 831-1724.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the South Carolina Department of Employment and Workforce at (866) 831-1724.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

South Dakota

Individual Unemployment

  • Individuals in South Dakota whose employment has been negatively affected by COVID19 may be eligible for UI. Benefits will extend to those who have tested positive for the virus and are temporarily unable to work, those who have been temporarily or permanently laid off, those who have had their hours reduced, and those who have been sent home by their employers because they are a risk or are at-risk. Individuals would be deemed ineligible for scenarios such as voluntarily self-quarantining or staying at home to care for a child.
  • Approved claimants will get $28 to $414 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (605) 626-3179.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the South Dakota Department of Labor and Regulation at (605) 626-3179.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Tennessee

Individual Unemployment

  • Individuals in Tennessee whose unemployment has been negatively affected by COVID19 may be eligible for UI. Those who have been temporarily or permanently laid off, those who have been directed to quarantine by a doctor, and those who have had their hours reduced will qualify. UI will not cover those who voluntarily leave their work to self-quarantine or those who need to stay home to care for an immediate family member.
  • Approved claimants can receive a maximum of $275 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.
  • Submit a claim online here or by calling (844) 224-5818.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Tennessee Department of Labor and Workforce Development by calling (844) 224-5818.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Texas

Individual Unemployment

  • The Texas Workforce Commission has only published general information regarding unemployment as a result of COVID19, stating that those whose employment has been affected by COVID19 can apply for benefits.
  • Weekly benefits will range between $69 and $521 per week. Those who qualify will also receive an additional  $600 per week as part of the federal stimulus bill.
  • Apply for benefits online here or by calling (800) 939-6631.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Call the Texas Workforce Commission at (800) 628-5115.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Utah

Individual Unemployment

  • Individuals in Utah whose employment has been negatively affected by COVID19 may be eligible for UI. Benefits will extend to those who have been temporarily or permanently laid off, those who are under quarantine but plan to return to work, those who are unable to work because their place of employment has been quarantined, and those who contract COVID19. Those whose hours have been reduced may also be eligible.
  • Approved claimants can receive a maximum of $580 per week for up to 26 weeks. Those who qualify will also receive an additional  $600 per week as part of the federal stimulus bill.
  • Submit a claim online here or by calling (801) 526-4400.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Utah Department of Workforce Services by calling (801) 526-9675.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Vermont

Individual Unemployment

  • Individuals in Vermont whose employment has been negatively affected by COVID19 may be eligible for UI. Benefits would extend to those who have been temporarily or permanently laid off, those who have been directed to quarantine by a medical professional or public health official, and those who have had their hours reduced. Those who need to leave their jobs to care for a family member as a result of COVID19 are likely not eligible. Those who are unable to work because they have contracted the virus should first use employer-paid time off and sick leave.
  • Approved claimants can receive a maximum of $513 per week for up to 26 weeks. Those who qualify will also receive an additional  $600 per week as part of the federal stimulus bill.
  • File a claim online here or by calling (877) 214-3330 or (888) 807-7072.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Virginia

Individual Unemployment

  • Individuals who have lost their employment as a result of COVID19 are now eligible to apply for UI in Virginia. UI would apply to those who have been temporarily or permanently laid off, those who had their hours reduced, those who are under quarantine, and those who have to stay home to care for a child or a sick family member. 
  • Eligible claimants can receive $60 to $378 per week for up to 26 weeks. Those who qualify will also receive an additional  $600 per week as part of the federal stimulus bill.
  • Submit a claim online here or by calling (866) 832-2363 Monday through Friday 8:15am – 4:30pm. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Virginia Employment Commission by calling (866) 832-2363. 
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Washington

Individual Unemployment

  • Eligibility for UI in Washington will now extend to individuals who have lost their employment temporarily or permanently, those who have had their hours reduced, and those who are under quarantine and are unable to work. Those who need to stay at home to take care of a child will only be eligible if they cannot take paid time off and if they get laid off as a result. Those who get sick with COVID19 will be eligible to apply for Paid Family & Medical Leave.
  • Eligible claimants will receive $188 to $790 per week for up to 26 weeks. Those who qualify will also receive an additional  $600 per week as part of the federal stimulus bill.
  • Apply online here or by calling (800) 318-6022 Monday-Friday from 8:00 a.m. to 4:00 p.m. 
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • In Washington, gig works, freelancers, and independent contractors can file for unemployment. Their claims are evaluated on a case-by-case basis.
  • Freelancers will now be eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

West Virginia

Individual Unemployment

  • Individuals in West Virginia whose employment has been negatively impacted by COVID19 may be eligible for UI. Those who have been temporarily or permanently laid off, those who have had their hours reduced, and those who have been directed to quarantine by a medical professional or a public health official can receive benefits.
  • Click here to get an estimate of how much you’ll receive in weekly benefits.
  • Approved claimants will also receive an additional  $600 per week as part of the federal stimulus bill.
  • Submit a claim online here or by calling (800) 252-5627.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Wisconsin

Individual Unemployment

  • Individuals whose employment has been negatively affected by COVID19 may be eligible for UI in Wisconsin if they have been temporarily or permanently laid off, have had their hours reduced, or are under mandatory quarantine. Those who are unable to work due to being ill with COVID19 are not eligible. 
  • Eligible claimants will receive $54 to $370 per week for up to 26 weeks. Those who qualify will also receive an additional  $600 per week as part of the federal stimulus bill.
  • Apply online here or by calling (414) 435-7069.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Wisconsin Department of Workforce Development at (414) 435-7069. 
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

Wyoming

Individual Unemployment

  • Individuals in Wyoming whose employment has been negatively affected by COVID19 may be eligible for UI. We were unable to identify specific eligibility requirements that relate to the pandemic. However, if you have become temporarily or permanently unemployed, have had your hours reduced, or are otherwise unable to work with no access to compensation, we encourage you to file a claim.
  • Approved claimants will receive $36 to $508 per week for up to 26 weeks. Those who qualify will also receive an additional  $600 per week as part of the federal stimulus bill.
  • Submit a claim online here or by calling (307) 473-3789.
  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.
  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.
  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.
  • Contact the Wyoming Department of Unemployment Insurance in the Department of Workforce Services by calling (307) 473-3789.
  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.
  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.

‍

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