ABCDEFGHIJKLMNOPQRSTUVWXYZAAABAC
1
CategoryProgram Amount AvailableIntended to cover/how it could help your businessEligibility Criteria What you need to apply/how to applyOther notes Website
2
Child Care providers who participate in DC's Subsidy Program: Payment for absences or temporary closureYour usual reimbursement rate per child from OSSEFor all providers participating in the District subsidy program, OSSE will continue to make subsidy reimbursement payments throughout the COVID-19 public health emergency regardless of operating status or child attendance.

-- If your center chooses to remain open, your subsidy payments from OSSE will not be impacted by any absences on account of parents opting to keep their kids at home to practice social distancing

-- If your center opts to close in this emergency, your subsidy payments from OSSE will continue based on rate of previous enrollment 		You must be provider who participates in the subsidy program and you must complete an unusual incident reportFile an Unusual Incident Report stating that your center closure or modified operations are due to either A) the public health emergency or B) possible exposure to coronavirus (COVID-19)

https://osse.dc.gov/sites/default/files/dc/sites/osse/service_content/attachments/Unusual%20Incident%20Report%20Form_March%202019.pdf		https://osse.dc.gov/page/updated-osse-guidance-documents
3
Replacement of parent copays Replacement of family co-pay for services All parents receiving child care assistance through the District subsidy program will have their copays waived during the public health emergency.

-- Level I facilities - whether open or closed- will receive the full reimbursement rate plus waived co-payments

-- Level II facilities who choose to stay open will receive the full reimbursement rate plus the waived parent co-pay amount; facilities who are closed will not receive payment for parent co-pays		You must be a Level I provider who participates in the subsidy program and you must complete an unusual incident reportFile an Unusual Incident Report stating that your center closure or modified operations are due to either A) the public health emergency or B) possible exposure to coronavirus (COVID-19)

https://osse.dc.gov/sites/default/files/dc/sites/osse/service_content/attachments/Unusual%20Incident%20Report%20Form_March%202019.pdf		https://osse.dc.gov/page/updated-osse-guidance-documents
4
Local District Relief for Small BusinessesDC COVID-19 Small Business Microgrants TBDThe grant can cover employee wages and benefits (including fringe benefits associated with employment, such as health insurance), accounts payable, fixed costs, inventory, rent, and utilities.

Grant can also cover income of business owner is owner/provider is classified as self-employed		- Must be DC based small business or non-profit: based in DC, owner is DC resident, or majority of staff are DC residents
- Must fit federal definition of "small business"
- Must be in good standing: no active/pending lawsuits, no tax debts or judgements of more than $200
- Business must have seen a drop in revenue by at least 25% due to COVID-19 from January 31- March 20, 2020.		- Federal Employer Identification Number (EIN) or Social Security Number
- 2017 and 2018 Federal Tax Returns & financial documents
- Documentation to demonstrate of revenue loss
- Payroll/roster of employees and with their states of residence
- Documentation of the business owner or owners’ state residency (e.g. driver’s license or bill)

Detailed info available here: https://coronavirus.dc.gov/sites/default/files/dc/sites/coronavirus/page_content/attachments/Application%20Instructions%20and%20Tips%20for%20Recovery%20Grant%20Seekers%20%281%29.pdf		Relatively short/simple application if you have all your financial statements available for upload

Application closes at midnight on Tuesday, March 31st		https://coronavirus.dc.gov/dc-small-business-recovery-grants
5
Moratorium on Evictions and Utility Cutoffs + No Late Fees on Utilities Typical late fees on utilities The COVID-19 Response Emergency Amendment Act of 2020 passed on March 17, 2020 prohibits evictions for tenants (relevant for family home Child Care operators) and further prohibits electric, gas, and water from being disconnected for non-payment for all businesses and residents for the period of time while the Mayor has declared a public health emergency.

-- Pepco is waiving new late fees through at least May 1
-- Washington Gas is waiving late fees during public health emergency
-- DC Water is waiving late fees and offering more lenient repayment terms for customers who fall behind on their bills during the public health emergency
Eviction moratorium applies to residential properties

Utility cutoffs and late fees apply to businesses and tenants
No action needed; automatically in effect

-- Pepco Customer Car: 202-833-7500.
-- Washington Gas: 1-844-WASHGAS (927-4427) or eservice.washgas.com
-- DC Water: 202-787-2000 or customer.service@dcwater.com		https://coronavirus.dc.gov/recovery-business
6
Federal Government Relief for Small Businesses Federal Gov Small Business Administration Disaster LoansLow interest capital loans of up to $2 MillionThe SBA’s Office of Disaster Assistance will provide targeted, low-interest loans to Washington, DC small businesses that have been severely impacted by COVID-19. These loans may be used to pay fixed debts, payroll, accounts payable, and other bills that cannot be paid because of the disaster’s impact. Loan terms are determined on a case-by-case basis, based upon each borrower’s ability to repay. Typical interest rate is roughly 2-5% SBA provides low-interest, long-term disaster loans to businesses of all sizes, private non-profit organizations, homeowners, and renters to repair or replace uninsured/underinsured disaster damaged property to help individuals and businesses recover from declared disasters (which the current health emergency is). You will need similar financial and business documents to the DC microgrant program. More information at: https://www.sba.gov/disaster/apply-for-disaster-loan/index.html https://www.sba.gov/page/coronavirus-covid-19-small-business-guidance-loan-resources
7
Federal Gov Small Business Administration Payroll LoansLoan may equal up to 250 percent of an employer’s average monthly payroll, up to $10 MillionThe Paycheck Protection Program Loan program passed as part of the The Coronavirus Aid, Relief, and Economic Security (CARES) Act loans may be used to cover payroll, accounts payable, rent, mortgage, utilities and other bills that cannot otherwise be paid because of the public health emergency. Loan forgiven if employer maintains payroll (doesn't layoff staff).Ability to show financial hardship during public health emergency AND commitment to continue paying payroll/keeping staff hired and paidMore information forthcoming from Small Business Administration

For now, more information at: https://www.uschamber.com/sites/default/files/023595_comm_corona_virus_smallbiz_loan_final_revised.pdf		Program still getting established

Loan can cover losses retroactively to 2/15/20
8
Payroll Tax Credits & DeferralsUp to 50% of payrollRegardless of whether business is open or closed, if you are still paying your staff you may be eligible for one or both of these programs:

-- Employee Retention Credit: Provides a refundable payroll tax credit for 50 percent of wages paid by employers to employees during crisis.

-- Employer Payroll Tax Deferral: Employers may defer payment of payroll taxes from passage of The Coronavirus Aid, Relief, and Economic Security (CARES) Act to 12/31/20, with 50 percent to be paid by 12/31/21 and remaining 50 percent by 12/31/22.		Employers must have fully or partially suspended operations due to the crisis but are still paying staff, or have seen gross receipts decline by more than 50 percent compared to the same quarter in 2019; documentation of this comparison will likely necessary. https://fmaonline.net/ppptoolbox/
9
Paid leave tax credits for OPEN Child Care settingsFederal Paid Sick Day MandateFully paid for personal care up to a cap of $511/day and $5,110/total

2/3 wage replacement for family care/care for a child home from school up to a cap of $200/day and $2,000/total		The Families First Act requires small businesses that are OPEN to provide employees 2 weeks (10 days) of paid sick leave, paid at the employee’s regular wage to $511/day, to quarantine, seek a diagnosis, or recieve treatment for coronavirus.

Employees are entitled to up to two-thirds pay the employee’s regular wage to take up to 10 paid sick days to care for a family member with coronavirus symptoms or a diagnosis OR to care for a child whose school or child care provider has closed due to the coronavirus.

Wages paid for these purposes are eligible for a REFUNDABLE FEDERAL TAX CREDIT against payroll taxes (or against income taxes for self-employed individuals)		Sick leave must be taken for a reason related to coronavirus illness, treatment, prevention, or Child Care unavailability

Leave must be made immediately available to all employees regardless of their tenure or work history with the employer		To be determined by the Department of Labor; We urge you to keep good written records of requests for leave from employees that can be submitted as corroboration for tax credit purposesLaw goes into effect April 2https://www.dol.gov/agencies/whd/pandemic/ffcra-employer-paid-leave
10
Federal Paid Family Leave Mandate 2/3 wage replacement up to a cap of $200/day OR $10,000/aggregateThe Families First Act requires small businesses who are OPEN to provide employees with 12 weeks of paid family caregiving leave at two-thirds the employee’s regular wage or salary up to $10,000 in total if staff are unable to work on account of having children under 18 home from school or because their regular Child Care provider is not open/able to work due to COVID-19 (first two weeks are unpaid leave but an employee can use paid sicks days for that time).

Wages paid for these purposes are eligible for a REFUNDABLE FEDERAL TAX CREDIT against payroll taxes (or against income taxes for self-employed individuals).		Employee must have worked for their employer for at least 30 days prior to requesting paid family leaveTo be determined by the Department of Labor; We urge you to keep good written records of requests for leave from employees that can be submitted as corroboration for tax credit purposesLaw goes into effect April 2https://www.dol.gov/agencies/whd/pandemic/ffcra-employer-paid-leave
11
Financial support for child care workforce DC Unemployment Insurance Workers can earn UP TO $444/weekIf you need to furlough, reduce hours, or layoff staff during the COVID-19 public health emergency because of temporary business closure or modified services, your employees can receive wage replacement from DC's unemployment insurance program. We encourage you to NOT layoff your staff or ask them to quit. Instead, furloughing workers will qualify them for UI and prevent complex rehiring processes on the other side of the health emergency

Employers will NOT be charged any payroll tax penalties from the UI program if their employees apply for benefits during the health emergency. 		Workers are eligible to apply for UI benefits if employer shuts down or reduces employee hours due to a business slowdown or lack of demand. Workers who have been on staff for less than 4 months will likely need to provide proof of employment (e.g. pay stubs).

More eligibility criteria at:
https://coronavirus.dc.gov/sites/default/files/dc/sites/coronavirus/publication/attachments/COVID19_DOES_Scenarios.pdf		Employees will need either a Social Security Number or an Alien Registration Number if they are not a US Citizen

Employees should be prepared to enter their employer’s name, address, phone number and dates of employment.		Weekly work search requirements associated with UI are temporarily waivedwww.dcnetworks.org
12
Federal Unemployment Insurance EnhancementsAdditional $600/week on top of DC UI benefits The federal government will top off unemployment insurance benefits for workers furloughed, laid off, or with reduced hours during the health emergency. Workers can also receive federal UI benefits for an additional 13 weeks beyond DC's standard 26 week duration.

If you are a Child Care business owner and are classified as self employed (paid via 1099s), you will also be eligible for UI payments. Calculations for self employed workers will be $600 + $222 (1/2 of DC's standard benefits)		Same as above except that if your worker was hired very recently or had not yet started, they will also be eligible for UI under the federal changes; a letter confirming employment or intent to hire may be needed for these employees

If you're self employed, you may need to provide proof of employment and/or wages (e.g. 1099 form or pay stub)		Apply for DC UI and federal money will be automatically matched, though there may be a few weeks of delay before this happens in practice (if so, retroactive payments will be made)Eligibility is retroactive to January 27 so you can claim benefits back to when your center/home closedwww.dcnetworks.org
13
Student loan repayment suspensions For Employees: regular student loan payment amount

For Employers: up to $5,250 excluded from federal income taxes		All payments on federally held student loans are allowed to be suspended through September 30, 2020, with no accrual of interest or late penalties

For workers whose employers pay part or all their student loans, up to $5,250 in repayments will be excluded from income for federal income tax purposes. 		Currently paying any FEDERAL loans for any level of education This should be automatic so you should not need to do anything; If you have questions, contact your student loan service More Info: https://www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100