Item S6 S.6
� � �, BOARD OF COUNTY COMMISSIONERS
County of Monroe � ��r�i
�r � s�� Mayor Heather Carruthers,District 3
The Florida.Keys � � � ������]�j Mayor Pro Tem Michelle Coldiron,District 2
Craig Cates,District 1
David Rice,District 4
Sylvia J.Murphy,District 5
County Commission Meeting
April 15, 2020
Agenda Item Number: S.6
Agenda Item Summary #6782
BULK ITEM: No DEPARTMENT: Legislative Affairs
TIME APPROXIMATE: STAFF CONTACT: Lisa Tennyson (305) 292-4444
N/A
AGENDA ITEM WORDING: Summary and overview of federal relief/stimulus legislation
related to the COVID-19 crisis, and a breakdown of all of the various programs, benefits and
assistance available to workers, businesses, not-for-profits, individuals and families.
ITEM BACKGROUND:
To date, Congress has passed three bills to respond to the current crisis:
• The Coronavirus Preparedness and Response Supplemental Appropriation Act (HR 6074,
March 6, 2020) — Provides $8.313 emergency supplemental funds to States to address
response and HHS to address research and development of vaccines and diagnostic tools.
To view this bill hops://www.congress.gov/bill/116th-congress/11oltse-bi1U6074
• The Families First Coronavirus Response Act (HR 6201, March 19, 2020) — Provides free
testing, $113 for nutrition assistance, an increase to the federal share of Medicaid, and new
paid sick and family leave benefits for workers impacted by COVID-19.
To view this bill hops://www.congress.Gov/bi1U116th-conress4ouse-bi1U6201
• The Coronavirus Aid, Relief and Economic Security ("CARES") Act (HR748, March
28,2020) — Largest rescue package in the history of the US, provides loans and grants to
businesses, direct cash payments to taxpayers, and significantly increases unemployment
benefits, and provides stabilization funding to States and local governments.
To view this bill htts://www.conress. ov/bill/116th-congress/senate-bill/3548/text
To date, at the State level, the following actions have occurred:
• The Governor has issued a number of Executive Orders.
To view the orders: laths://www.figov.cotu/2020-executive-orders/
• The Governor has not yet signed the budget, awaiting a further assessment of COVID-19
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impacts. However, from the CARES Act, the State of Florida will be receiving
approximately $12B in relief and response assistance, and Senate President Galvano released
a memo last week indicating that in light of the State's federal assistance allocation and its
healthy reserves impacts to the 2020-2021 State budget will be minimized and cuts may not
be necessary.
To view the memo: Senator Galvano financial Memo
A breakdown of all of the various programs, benefits and assistance available to workers,
businesses, not-for-profits, individuals and families is provided in the back-up. The following
hand-outs are attached.
1. Overview of all Federal Benefits and Assistance
2. Expanded Unemployment Assistance
3. Rebate Checks and Non-cash Assistance
4. Small Business and Not-for-Profit Organization Assistance
5. Paycheck Protection Program
6. Housing-Related Assistance
7. Assistance to Arts and Cultural Organizations
8. Federal Agency COVID-19 Webpage Links
PREVIOUS RELEVANT BOCC ACTION: N/A
CONTRACT/AGREEMENT CHANGES:
N/A
STAFF RECOMMENDATION: Approval.
DOCUMENTATION:
Memo Re COVID-19 Legislation, Federal State Response, and Breakdown of Benefits and
Assistance Programs
Outline of COVID Federal Benefits and Assistance (Apr 6)
Unemployment Assistance Program Benefits (Apr 6)
Cash(Rebate Checks) and Non-Cash Assistance Programs for Individuals and Families
Small Business, 501c3 and Sole Proprietor Assistance Programs Information (Apr 6)
Paycheck Protection Program for Small Business, 501c3s and Sole Proprietors
Sick and Family Leave Benefits for Employees Impacted by COVID-19
Housing-Related Assistance Measures
Assistance to Arts and Cultural Organizations
Federal Agency Covid-19 Resource Response Links
FINANCIAL IMPACT:
Effective Date:
Expiration Date:
Total Dollar Value of Contract:
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Total Cost to County:
Current Year Portion:
Budgeted:
Source of Funds:
CPI:
Indirect Costs:
Estimated Ongoing Costs Not Included in above dollar amounts:
Revenue Producing: If yes, amount:
Grant:
County Match:
Insurance Required:
Additional Details:
REVIEWED BY:
Bob Shillinger Completed 04/07/2020 11:57 AM
Purchasing Completed 04/07/2020 12:12 PM
Budget and Finance Skipped 04/07/2020 5:52 PM
Tina Boan Completed 04/07/2020 5:52 PM
Maria Slavik Completed 04/07/2020 5:59 PM
Kathy Peters Completed 04/07/2020 6:01 PM
Board of County Commissioners Pending 04/15/2020 9:00 AM
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MEMO
Date: April 6, 2020
To: County Commissioners
Through: Roman Gastesi, County Administrator
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From: Lisa Tennyson, Director of Legislative Affairs
Re: Congressional and State Actions Related to COVID-19 To Date
To date, Congress has passed three bills to responds to the current crisis:
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• The Coronavirus Preparedness and Response Supplemental Appropriation Act(HR 6074, ;=
March 6, 2020) — Provides $8.313 emergency supplemental funds to States to address
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response. and HHS to address research and development of vaccines and diagnostic tools.
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To view this bill htt s://w congress.Gov/bi1U116th-con ress4 ouse-bill/6074 c
• The Families First Coronavirus Response Act(HR 6201, March 19, 2020) —Provides free a
testing, $1 B for nutrition assistance, an increase to the federal share of Medicaid, and new
paid sick and family leave benefits for workers impacted by COVID-19.
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To view this bill hops://w congress.Gov/bi1U116th-conress4ouse-bill/6201
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• The Coronavirus Aid, Relief and Economic Security ("CARES") Act(HR748, March 28,
2020) —Largest rescue package in history of US, provides loans and grants to businesses,
direct cash payments to taxpayers, and significantly increases unemployment benefits, and v)
provides stabilization funding to States and local governments.
To view this bill hops://w congress. ov/bi1U116th-congress/senate-bill/3548/text
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To date, at the State level, the following actions have occurred:
• The Governor has issued a number of Executive Orders.
To view the orders: hops://www.flgov.corg/2020-executive-orders/
• The Governor has not yet signed the budget, awaiting a further assessment of COVID-19 U
impacts. However, from the CARES Act, the State of Florida will be receiving
approximately $1213 in relief and response assistance, and Senate President Galvano c
released a memo last week indicating that in light of the State's federal assistance allocation E
and its healthy reserves impacts to the 2020-2021 State budget will be minimized and cuts
may not be necessary.
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To view the memo: Senator Galvano financial Memo �
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To date, the Legislative Affairs Office has tracked the federal legislative response to the current
COVID-19 crisis,breaking down and outlining the various benefits and assistance programs in the
different relief packages.
The Office has been actively involved with NACO, FAC, Senator Rubio and Representative
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Mucarsel-Powell via webinars and conference calls to share county-level issues and concerns with
regard to the federal relief bills.
The Office has also been actively advocating to our Congressional representation around issues of
increases to direct stabilization funding, and small local government access to that stabilization
funding, and with State agency and elected representatives to convey the County's concerns about 0
issues related to constituents' access to benefits and programs (for example, the State's
unemployment assistance program).
The Office also continues to closely monitor the status of the FY 20-21 State budget (as yet not
signed by the Governor), Monroe County's appropriations in the budget, and the Legislature's �t
ongoing assessment of possible COVID-19 related impacts to the State budget.
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The Office has developed informational handouts that summarize the basic details of all of the
various programs, benefits and assistance to workers, businesses, not-for-profits, individuals and
families provided in the relief packages. The information is intended to help staff and constituents
understand the respective benefits provided and facilitate their access to the necessary forms,
applications and program details. The information is continuously updated as new details, analysis
links, etc. is available.
The following informational hand-outs are attached: .�
1) Overview of all Federal Benefits and Assistance
2) Expanded Unemployment Assistance 0
3) Rebate Checks and Non-cash Assistance
4) Small Business and Not-for-Profit Organization Assistance
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5) Paycheck Protection Program
6) Sick and Family Leave Benefits for Employees Impacted by COVID-19
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7) Housing-Related Assistance d
8) Assistance to Arts and Cultural Organizations
9) Federal Agency COVID-19 Webpage Links
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MONROE COUNTY BOARD OF COUNTY COMMISSIONERS
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OFFICE OF LEGISLATIVE AFFAIRS �
BENEFITS, PROGRAMS AND RESOURCES FOR ALL STAKEHOLDERS "
Per the CARES Act and Families First Act
(April 6, 00)
InformationImportant - crisis
✓ Cash Payments to Americans- Recovery Rebates for Individuals
• All individuals with a Social Security Number will receive rebates worth up to $1,200 c'
for individuals ($2,400 for couples) and $500 per child under 17.
• Rebates phaseout above $75,000 for single filers, $112,500 for heads of household,
and $150,000 for married couples filing joint returns.
✓ Unemployment CompCompensation/insurance. Bolstering UnemploymentCompensation
• New program benefits include an additional $600 per week and expanded
eligibility for self-employed, independent contractors, 1099s, and part-time
workers.
• Here is the link to Florida's Unemployment Assistance Program: y
ttp s:Hwww.florid a]ob sresources.com/
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✓ Non-CashAssistance/ Relief for Individuals
• Creating Coronavirus-Related Distributions and Loans from 401(k) Plans and
other Defined Contribution Retirement Plans
• Waiving the 10% Additional Tax on Early Distributions from IRAs, 401(k) Plans
and other Defined Contribution Retirement Plans _
• Waiving of Required Minimum Distributions from IRAs, 401(k) Plans and other
Defined Contribution Plans
• Deferring Contributions for Single Employer Pension Plans
✓ Small Business Relief (These programs are also availabler non-for-profits n sole-
proprietorships.) E
• Payroll Protection Program
• Economic Injury Disaster Loans (EIDL) and Emergency Advances
• Providing Loan Relief for Businesses with Existing SBA Loans
• Employee retention tax credit, including advance payments
• Here is the link for Florida's website to help access these programs:
https://www.floridaiobsresources.com/
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✓ Relief for Upcoming Mortgage, Utility s
• Providing Help to Low Income Households
■ For homeowners
■ For renters
✓ Higher Education
• Providing Student Loan Relief
• Issuing Work-Study payments to students
• Increasing Student Loan Exclusions and Flexibility
✓ Emergency Leave
• Mandating Employer-Paid Leave for Workers Affected by the Coronavirus
• Providing Tax credits for Employers
✓ Relief for Larger Businesses
• Providing Loans, Loan Guarantees, and other Investments through the Treasury
• Stabilization Fund
• Keeping Airline Workers Paid
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✓ Aid to States and Municipalities y
• Creating New Funding for State Responses to COVID-19 (State Stabilization Fund)
• Aid and flexibility to States for Unemployment Assistance
✓ Disaster Relief
• Disaster Relief Fund
• Fire Grants
• Emergency Preparedness Grants
• Emergency Food and Shelter
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✓ Health andHospitals (including a icr , Medicaid, and CoveragePolicies)
• Free COVID-19 Testing
• Speedier Access to Free Vaccines in Private Insurance
• Eliminating Medicare Part B Cost-Sharing for the COVID-19 Vaccine E
• Allowing Up to 3-Month Fills and Refills of Covered Medicare Part D Drugs
• Over-the-Counter Medicines and Menstrual Products Purchased through
• HSAs/Health FSAs/HRAs
• Health Savings Accounts for Telehealth Services
• More money for Community Health Centers
• Reauthorization of Title VII of the Public Health Service Act
• Expanding Medicare Telehealth Flexibilities
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• Allowing Federally Qualified Health Centers (FQHCs) and Rural Health Clinics
• (RHCs) to Furnish Telehealth in Medicare
• Expanding Medicare Telehealth for Home Dialysis Patients
• Allowing for the Use of Telehealth during the Hospice Care Recertification
Process in Medicare
• Encouraging the Use of Telecommunications Systems for Home Health Services
in Medicare
• Enabling Physician Assistants and Nurse Practitioners to Order Medicare Home
Health Services
• Increasing Provider Funding through Immediate Medicare Sequester Relief
• Medicare Add-on for Inpatient Hospital COVID-19 Patients
• Increasing Medicare Access to Post-Acute Care
• Preventing Medicare Durable Medical Equipment Payment Reduction
• Providing Home and Community-based Support Services during Hospital Stays
• Preventing Medicare Clinical Diagnostic Laboratory Test Payment Reductions �-
• Providing Hospitals Medicare Advance Payments
• Federal Communications Commission (FCC) — Telehealth
• Clarification of the Strategic National Stockpile
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✓ Important nsi ns of Current Programs y
• Medicare Extenders
■ Extending Physician Work Geographic Index Floor
■ Extending Funding for Quality Measure Endorsement and Selection
■ Extending Funding Outreach and Assistance for Low-Income Programs
• Medicaid Extenders
■ Extending Money Follows the Person Demonstration Program _
■ Extending of Spousal Impoverishment Protections
■ Delaying Disproportionate Share Hospital Reductions ca
■ Extending and Expansion of Community Mental Health Services 0
• Human Services Extenders
■ Extending of Demonstration Projects to Address Health Professions
■ Workforce Needs
■ Extending Temporary Assistance for Needy Families (TANF)
✓ Additional Funding r Individuals, Businesses, States and Localities
✓ Funding ss to Federal Programs
• Agriculture/Nutrition/FDA
• Commerce
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■ Fishermen
■ Manufacturing Extension Partnerships (MEP)
■ Economic Development Administration (EDA)
• Courts, Prisons, and Law Enforcement
■ Federal Courts
■ Defender Services
■ Bureau of Prison
■ State and Local Law Enforcement Assistance
• Department of Veterans Affairs Operations
• Elections
• Education and Arts
■ Institute of Museum and Library Services
■ Grants for Emergency Support to Schools --
■ Student Aid Administration
■ Grants for the Arts
■ Grants for the Humanities
• Health and Human Services N
■ Health Care Resources y
■ Child Care
■ Head Start
• Housing
■ Housing Providers
■ Community Development Block Grant
■ Homeless Assistance Grants
• Labor
■ Administrative Funding from the Department of Labor (DOL)
■ Community Services Block Grant (CSBG)
• Transportation
■ Essential Air Service (EAS)
■ Transit Systems
■ Assistance for Airports
• USDA
■ ReConnect Loan and Grant Program
■ Distance Learning, Telemedicine and Broadband Program
■ The Emergency Food Assistance Program
■ Child Welfare and Nutrition
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MONROE COUNTY BOARD OF COUNTY COMMISSIONERS
OFFICE OF LEGISLATIVE AFFAIRS nr rs
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UEMPLOYMENT ASSISTANCE PROGRAM
Unemployment Compensation/insurance
Per the CARES Act
(April 6, 00)
✓ IMPORTANT: Between now and July 31, 2020, an additional $600 per week will be
added to every unemployment compensation check. In the State of Florida unemployed '
workers can receive up to $275/wk. With the enhanced unemployment benefit, laid off
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workers can receive up to $875/wk, and no one will receive less than $600 per week.
✓ The benefit will be paid out for each week for four months (from now until July 31,
2020.)
✓ The benefit assists workers who have been laid off or furloughed by their employer, and
The CARES Act expands benefits to those that are not traditional) covered, including
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the self-employed, gig-workers, independent contractors, part-time workers, and --
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workers with irregular work history. This expanded eligibility exists until December 31,
2020.
✓ This "enhanced unemployment benefit" is federally funded but will be distributed
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through the State's existing unemployment insurance system. In Florida, the State's E
Department of Economic Opportunity administers the unemployment insurance
program. So, be sure to file for unemployment assistance with the State as soon as
possible.
✓ The State of Florida's unemployment insurance program is administered by the
Department of Economic Opportunity (DEO), and is called the "Reemployment
0.
Program."
✓ To file an unemployment claim online: click here. The online system is widely reported
to be poorly functioning at this time. E
✓ As an alterative, DEO is also currently accepting a hard-copy, paper application, that can
be filled out and mailed in. To download the form click here. (The applications are
available in English, Spanish and Creole.) Fill it out and mail to:
Florida Department of Economic Opportunity
P.O. Box 5350
Tallahassee, Florida
32314-5350
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✓ To file a claim by telephone: 1-800-204-2418.
✓ Important information about new program expansions:
➢ The CARES ACT provides an additional $600 per week on top of the State's
regular UI payment BUT the State has NOT YET announced how it will distribute
these funds to UI recipients.
➢ The CARES ACT explicitly expands State UI to those not traditionally eligible —
the self-employed (free-lancers, 1099s, independent contractors, "gig"
workers) and part-time workers. BUT the State of Florida has NOT YET
accepted/incorporated this eligibility expansion into its program.
➢ This is an evolving situation and we will report new developments as they
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MONROE COUNTY BOARD OF COUNTY COMMISSIONERS
OFFICE OF LEGISLATIVE AFFAIRSsl
INDIVIDUAL CASH ("REBATE CHECKS") �
AND NON-CASH ASSISTANCE
Per the CARES Act
(April 2, 00)
Recovery Rebates for I ivi uls. W
✓ All individuals with a Social Security Number will receive rebates worth up to $1,200
for individuals ($2,400 for couples) and $500 per child under 17. A family of four could
receive $3,400.
✓ Rebates phase out above $75,000 for single filers, $112,500 for heads of household,
and $150,000 for married couples filing joint returns.
✓ Each member of your family must have a Social Security Number (included on your last
tax return) to claim a rebate.
✓ You must file a tax return for 2018 or 2019 to receive a rebate check (or direct deposit). y
You may file a return now in order to qualify.
✓ People receiving Social Security or Supplemental Security Income (SSI) are eligible. E
Social Security recipients will receive their rebate funds automatically (will not have to
file a tax return.)
✓ Rebates will not be counted as income for income-related programs like Medicaid, SSI
or SNAP.
✓ Rebates will not be subject to garnishment.
✓ Distribution of rebates checks is reported to begin mid-April, 2020. y
✓ See details below from the House Ways and Means Committee:
TIMELINE STATEMENT FROM CONGRESSIONAL COMMITTEE:
As ofApril 2, 2020
After extensive conversations with the IRS and the Department of Treasury, the staff of the
Ways & Means Committee expect the IRS to issue economic impact payments following
the below timeline. This timeline is subject to change given ongoing discussions by the
Chairman. The Committee remains focused on ensuring all eligible Americans receive their
payment as quickly as possible.
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As of today, the latest estimated timing from the IRS on economic impact checks is as
follows:
The IRS will make about 60 million payments to Americans through direct deposit in mid-
April (likely, the week of April 13th). The IRS has direct deposit information for these
individuals from their 2018 or 2019 tax returns. This will include SSA beneficiaries who
filed federal tax returns that included direct deposit information.
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Shortly (hopefully within 10 days) after thefirst round of payments are made in mid-April,
the IRS plans to make a second run of payments. These payments will be made to SS
beneficiaries who did not file tax returns in 2018 or 2019 and receive their Social Security
benefits via direct deposit. (The estimates are that nearly 99 percent of SS beneficiaries
who do not file a return receive their SS benefits through direct deposit.)
About 3 weeks after the first round of payments are made (the week of May 4th), the IRS
will begin issuing paper checks to individuals. The paper checks will be issued at a rate of
about 5 million per week, which could take up to 20 weeks to get all the checks out.
The checks will be issued in reverse "adjusted gross income" order—starting with people
with the lowest income first.
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We have seen estimates that there are between 150-170 million taxpayers. So, there are E
between 90-110 million taxpayers who are either filers or nonfilers about whom the IRS
wants information. The filers will need to receive a paper check unless their direct deposit
information can be updated in the IRS portal. The nonfilers may need to file the "simple
tax return" (below) and likely include direct deposit information if they want to receive their
rebates quickly.
The IRS is encouraging taxpayers to file their 2019 returns to the maximum extent
possible. As taxpayers file their 2019 returns electronically, the IRS will post updated tax
information weekly to its files and then send this information to another agency that will z
issue weekly payments.
The IRS expects to create a portal by the end of April/early May that will allow taxpayers,
once they have been authenticated, to: (1) find out the status of their rebate payment and(2)
update direct deposit information.
For Social Security beneficiaries who do not file returns, Treasury and the IRS announced
on the evening of April 1st that these beneficiaries will not need to file a"simple tax return"
to receive their rebate. Recipients will receive their rebate just as they would their Social U
Security benefits.
For other taxpayers who do not file returns, the IRS expects to release the "simple tax
return" referred to in a recent IRS News Release "soon." The IRS expects it will contain <
only a few questions, including name, SSNs, dependents, and deposit information. There
also will be other IRS guidance accompanying this simple tax return.
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Non-CashAssistance/ Relief for Individuals
✓ Creating Coronavirus-Related Distributions and Loans from 401(k) Plans and other
Defined Contribution Retirement Plans:
You may be allowed to take up to $100,000 out of your account balance in 2020 if you
or a family member test positive for the coronavirus or you suffer economic harm
because of the coronavirus. You may also be allowed to borrow this amount from your
account balance. If you have a plan loan outstanding and you are laid-off or terminated
and cannot repay your loan, you are allowed an extra year to repay the loan. Contact
the administrator for your plan
✓ Waiving the 10% Additional Tax on Early Distributions from IRAs, 401(k) Plans and
other Defined Contribution Retirement Plans:
The 10% additional tax on pre-age 59 % distributions from IRAs, 401(k) plans and
defined contribution plans does not apply for 2020 if you, your spouse or child tested
positive for the coronavirus, or if you suffer economic harm because of the .2:
coronavirus—such as being laid-off, furloughed or having your hours reduced because
of the virus, not being able to work because of a lack of child care due to the virus, or y
you have to close or reduce the hours of a business you own because of the virus.
Please go to www.irs.gov for more details. The IRS will be providing information soon. E
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✓ Waiving of Required Minimum Distributions from IRAs, 401(k) Plans and other
Defined Contribution Plans:
If you turned age 70 % in 2019, then you are not required to make minimum
distribution by April 1, 2020. If you would regularly have to make a required
distribution by the end of this year (December 31, 2020), then you do not have to do
so—all required minimum distributions required to be made in 2020 are waived.
Please go to www.irs.gov for more details. The IRS will be providing information soon.
✓ Deferring Contributions for Single Employer Pension Plans:
If your company sponsors a single employer pension plan, your company may be
allowed to defer your required contributions due in 2020 (including quarterly
contributions due in 2020) until January 1, 2021. Your company's plan may also be
allowed to use its 2019 funded percentage in 2020 for purposes of complying with
funded-status benefit restrictions. Please go to www.irs.gov for more details. The IRS E
will be providing guidance soon.
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MONROE COUNTY BOARD OF COUNTY COMMISSIONERS .
OFFICE OF LEGISLATIVE AFFAIRS
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ASSISTANCE PROGRAMS FOR
SMALL BUSINESSES, 's, SOLE PROPRIETORS, INDEPENDENT
IMPACTED BY COVID-19
(April 6, 2020)
Update: Florida DEO has an updated and revamped resource page for all employers
where you can access the following assistance program information on one site:
https:llwww.florid bsresourcs. _
❖ Paycheck Protection Program ("PPP") Forgivable Loan Program ("CARES"Act program)
✓ This new program was approved as part of the Congressional relief package known as the
"CARES" Act.
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✓ Small businesses, not-for-profit organizations, veterans' organizations, self-employed, sole
proprietors, or independent contractors qualify for loans of 250% times your monthly payroll,
which can be used for payroll expenses (including health and other benefits), mortgage, lease
and utilities. a
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✓ The loan is 100% forgivable if you maintain your workforce for 8 weeks. The amount of loan
forgiveness will be reduced proportionate to any reduction in the number of employees.
✓ Payments are deferred for six months and up to a year; no collateral is required, no personal N
guarantee is required; no SBA fees.
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✓ Interested parties apply directly with banks/lending institutions for this loan program. The bank
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will calculate the amount of the loan from the tax documents provided that show payroll
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expenses (including health insurance benefits). 0)
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✓ For more information, refer to this Small Business Owner Guide to the CARES Act from the
Senate's Small Business Committee: click here.
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❖ Small Business Association (SBA) Economic Injury Disaster Loan (Benefits expanded by "'CARES"'Act.) y
✓ The SBA's Economic Injury Disaster Loan (EIDL) program provides small businesses with low
interest loans up to $2 million that can provide vital economic support to small businesses to —
help overcome the temporary loss of revenue businesses may be experiencing.
✓ CARES Act waives the requirement for personal guarantees on EIDL loans amounts less than
$200,000 and borrower is not required to have been in business for at least 1 year.
✓ The requirement that borrowers are unable to obtain credit from other sources is waived on
EIDL loans.
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✓ No cost to apply.
✓ Can work in conjunction with PPP loan program. If you received an EIDL loan related to COVID-
19 between January 31, 2020 and the date at which the PPP becomes available, you would be
able to refinance the EIDL into the PPP for loan forgiveness purposes. However, you may use
both EIDL and PPP loans as long as there is no duplication in the uses of the funds. Remaining
portions of the EIDL, for purposes other than those laid out in loan forgiveness terms for a PPP
loan, would remain a loan.
✓ To apply for a COVID-19 Economic Injury Disaster Loan, click here.
❖ Florida Small Business (SBA) Economic Injury Disaster Loan Advance Program (Benefits expanded by
"CARES"Act)
✓ In response to the Coronavirus (COVID-19) pandemic, small business owners who apply for an
EIDL loan, are eligible to apply for a Loan Advance of up to $10,000.
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✓ SBA has streamlined the process requirements. Loan Advance Funds will be made available
within three days of a successful application.
✓ The loan advance will not have to be repaid.
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✓ To apply for a COVID-19 Economic Injury Disaster Advance Loan, click ere.
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❖ SBA Express Bridge Loan Pilot Program (Benefits Expanded by "'CARES"Act)
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✓ This program allows small businesses who currently have a business relationship with an SBA
express lender to access up to $25,000 with less paperwork and fast turnaround. If a business CL
has an urgent need for cash while waiting for a decision or disbursement on an Economic Injury
Disaster Loan, it may qualify for this loan program.
✓ The CARES Act increases the maximum SBA Express loan—a loan whose application SBA will
process in 36 hours—from $350,000 to $1 million through December 31, 2020.
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✓ Connect with the South Florida SBA District Office: 305-536-5521 or SouthForida DO@sba.90v o
❖ SBA Small Business Automatic Deferment Payments for Existing SBA Disaster Loans
✓ The SBA announced in its March 23, 2020 press release that it will automatically defer 0)
payments on current disaster loans through December 31, 2020. According to the
announcement borrowers do not have to contact the SBA to request deferment.
✓ To read the press release, click ere
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❖ SBA Small Business Debt Relief Program for Existing Borrowers of SBA 7A, 504 or Microloans
(non-disaster SBA loans) ("CARES"Act)
✓ This program will provide immediate relief to small businesses with non-disaster SBA loans, in
particular 7(a), 504, and microloans.
✓ Under it, SBA will cover all loan payments on these SBA loans, including principal, interest, and
fees, for six months.
✓ Debt relief is automatic, but you should check with your lender. 6
✓ This relief will also be available to new borrowers who take out any of these loans within the
next six months.
✓ For more information, refer to page 6 in the Small Business Owner Guide from the Senate's
Small Business Committee, click ere.
E
0
❖ Florida Small Business Emergency Bridge Loan Program.
✓ These are short-term, interest-free loans of up to $50,000 are currently available to small
0
businesses in Florida experiencing economic damage as a result of CL
✓ COVID-19. They are designed to help bridge the gap between the time the economic impact
occurred and when your business secures other financial resources. The application period N
opened March 17th and runs through May 8th.
c
✓ For more information and to apply for a State Emergency Bridge Loan, click ere.
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0)
❖ Short-Time Compensation Program.
✓ This program is designed to provide prorated Reemployment Assistance benefits to
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employees that have had work hours and earnings reduced as part of a Short-Time v
Compensation plan to avoid a total layoff of some employees.
✓ This program allows Employers to avoid the expense of recruiting, hiring, and training new ca
workers when business conditions improve. While employees are spared the hardships of full
unemployment, employers are able to retain employees who can resume high production
levels when business conditions improve.
✓ For more information, visit FloriclaJobs.og.
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❖ Tax Provisions i "CARES" Act That Are FavorableBusiness.
✓ Employee Retention Tax Credit
Small businesses may be eligible for refundable payroll tax credit for SO percent of wages paid
by employers to employees from March 12, 2020 to January 31, 2021. The credit is available
to employers whose (1)operations were fully or partially suspended due to a COVID-19 related U
government order limiting commerce, travel or group meetings, or (2) gross receipts declined
by more than SO percent when compared to the same quarter in the prior year. This credit is .6
not available to employers receiving assistance through the PPP.
✓ Advanced Tax Credits for Paid Leave
The CARES Act allows employers to receive an advance tax credit for required paid sick leave
(under the Families First Coronavirus Response Act) instead of having to be reimbursed.
✓ Delay of Payment of Employer Payroll Taxes
Employers and self-employed individuals may defer payment of the employer share of the
Social Security tax they otherwise are responsible for paying.
✓ Net Operating Loss Modifications
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The provision relaxes the limitations on a company's use of losses. Net operating losses(NOLs)
are currently subject to a taxable-income limitation, and they cannot be carried back to reduce
income in a prior tax year. The provision also temporarily removes the taxable income A
limitation to allow an NOL to fully offset income. These changes will allow companies to utilize
losses and amend prior year returns, which will provide critical cash flow and liquidity during
the COVID-19 emergency.
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❖ Assistance to Businesses and Not-for-Profits for Paid Sick and Expanded Family Leave for Employees
impacted by VI -1 . (Benefitfrom the "Families First Coronavirus Response"Act)
LO
✓ Gives small businesses funds to provide employees with paid sick leave, either for the
employee's own health care needs, or to care for family members affected by COVID-19.
✓ These provisions will apply from the effective date through December 31, 2020. ca
✓ The Department of Labor's Wage and Hour Division administers and enforces the new law's
paid leave requirements.
✓ For US Department of Labor fact sheets with information and details, click ere and click ere.
✓ For more information, go the US Department of Labor: click ere.
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❖ Small Business Administration Recovery webinars.
✓ The SBA is hosting ongoing webinars to provide the latest information on how the SBA is
helping small businesses with their economic recovery, and how to access assistance
programs.
✓ The webinars are free to attend and are limited to 250 registered attendees. For information
about upcoming webinars, click ere.
❖ DEO Business Damage Assessment Survey.
✓ This is a critical (and required) piece of DEO's efforts to gather information need to evaluate �--
and access tools to help your business potentially lessen the impact of COVID-19, and help the
economy recovery.
✓ To complete the survey, click here.
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Please stay tuned for updates to this information.
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MONROE COUNTY BOARD OF COUNTY COMMISSIONERS
OFFICE OF LEGISLATIVE AFFAIRS 0' s
PAYCHECK PROTECTION PROGRAM � �t
CARES Act Business Assistance Program
(April 1, 00)
U
THE APPLICATION FOR THE PAYCHECK PROTECTION PROGRAM CAN BE FOUND HERE:
PP lication 6
Small businesses, sole proprietorships and not-for-profit organizations will be able
apply for Paycheck Protection loans starting April 3. Independent contractors and
self-employed individuals will be able to apply starting April 10. y
Entities apply directly with banks and entities are being advised to
contact their own banks. E
CL
The Paycheck Protection Program provides funding for small businesses to maintain
operations during this crisis, as well as an incentive to maintain employment levels.
The benefits of this program include:
LO
✓ Broaden Eligibility, WaivedFees, Relaxed Requirements. Participation in the
program is open to all small businesses and 1(c)3, sole proprietors, 1 's, and
independent contractors. In order to account for COVID-1 's disproportionate —
impact on the restaurant and hospitality sectors, individual locations of companies
in those sectors will also be eligible.
✓ Loan to Cover Operating Expenses. The program would provide a loan equal to 2.5x
0
its monthly payroll expenses. The loan can pay for payroll, rent, and utilities.
✓ Loan Forgiveness. Borrowers could have eight weeks of payroll, rent, mortgage
payments, and utilities forgiven if they maintain their workforce. E
0.
✓ Incentives to Rehire. While reductions in workforce usually result in a reduction in
loan forgiveness, the legislation allows companies that already laid off workers to
rehire them while still benefitting from full loan forgiveness.
✓ Expedited andStreamlined lici n Process. The program operates directly
through financial institutions; fees and requirements like collateral are waived.
Applicants are not required to demonstrate any specific hardship, only make a good
faith certification of the loan's necessity and that it will be used to retain workers.
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Frequently s Questions (FAQs )
How s this program work?
The Paycheck Protection Program operates via 's existing 7( ) lending program,
through which SBA offers guarantees on loans made by participating financial
institutions. Applicants apply directly through a participating financial institution, and, if
approved, receive an SBA guarantee on their loan. c'
Further, the Paycheck Protection Program: 6
✓ Waives application fees.
✓ Waives the requirement that an applicant cannot find credit elsewhere.
✓ Waives requirements for collateral and personal guarantees.
What is the loan amount andhat expenses are covered?
CL
The loan may be used for all business expenses including payroll, rent, mortgage interest,
and utilities.
The amount of the loan is calculated on payroll costs, amounting to the recipient's
average monthly payroll costs over the previous year, times 2.5 (ie, the loan amounts to LO
two and a half months of payroll costs.)
Payroll costs consist of: (1) salary, wage, commission, or similar compensation; (2) cash
tip or equivalent; (3) payment for vacation, parental, family, medical, or sick leave; (4)
dismissal or separation pay; (5) health care or retirement benefits; (6) state and local
payroll taxes; and (7) payments to sole proprietors and independent contractors that are
a wage, commission, income or otherwise net earnings from self-employment.
0
CL
How do Iapply?
Applicants for the Paycheck Protection Program apply directly through an existing
0.
bank/financial institution, credit union or any other federally insured depository
institution.
To apply, borrowers will submit the short application to their lender. That application
consists of a simple good faith certification that the borrower needs the loan to support
their ongoing operations.
Applicants should also expect to submit tax documentation of payroll numbers
confirming their eligibility to participate in the program and allowing the calculation of
their maximum loan amount.
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Additionally, contractors and sole proprietors can establish their eligibility with payroll
tax filings, Form 1099-MISC, and documentation of income and expenses.
How s the forgivenesswork?
Loans made under the program can be forgiven for the total amount that the borrower
spent on payroll (capped at $100,000 for each employee on an annualized basis)
mortgage interest, rent, and utilities in the eight weeks fllin their loan's origination.
Additionally, employers are allowed to make extra payments to tipped employees to
account for their loss of tips.
The forgiven debt is not counted in taxable income. y
Any portion of the loan not forgiven will remain guaranteed by SBA and have a 2-year
maturity and .5 percent interest rate. Lenders will be required to defer payment of that
CL
loan for six months. 2
0
To apply for the forgiveness, the borrower will submit to their lender documents
including:
✓ state or federal payroll documents; LO
✓ documentation of mortgage interest, rent, or payroll expenses; y
✓ certification that the information is true; and
✓ any other documentation that SBA determines is appropriate.
The lender will then have 60 days to determine the appropriate level of forgiveness, at
which point SBA would purchase and forgive the relevant amount of the initial loan.
0
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MONROE COUNTY BOARD OF COUNTY COMMISSIONERS
OFFICE OF LEGISLATIVE AFFAIRSN;
Employee Paid Sick Leave and Expanded Medical Leave Benefits tl� t.;�
f /w
Per the Families First Act
(April 6, 00)
The U.S. Department of Labor's (Department) Wage and Hour Division (WHD) administers
and enforces the new law's paid leave requirements, and provides
the following information:
The Families First Coronavirus Responsec (FFCRA r c ) requires certain employers to
provide employees with paid sick leave or expanded family and medical leave for specified
reasons related to COVID-19.
✓ These provisions will apply from the effective date through December 31, 2020.
✓ The FFCRA provides that employees of covered employers are eligible for:
• Two weeks (up to 80 hours) of paid sick leave at the employee's regular rate of
pay where the employee is unable to work because the employee is quarantined
(pursuant to Federal, State, or local government order or advice of a health care
provider), and/or experiencing COVID-19 symptoms and seeking a medical
diagnosis; or
LU
• Two weeks(up to 80 hours) of paid sick leave at two-thirds the employee's regular
N
rate of pay because the employee is unable to work because of a bona fide need
to care for an individual subject to quarantine (pursuant to Federal, State, or local
government order or advice of a health care provider), or to care for a child (under
18 years of age) whose school or child care provider is closed or unavailable for
reasons related to COVID-19, and/or the employee is experiencing a substantially
similar condition as specified by the Secretary of Health and Human Services, in
consultation with the Secretaries of the Treasury and Labor; and
2
• Up to an additional 10 weeks of paid expanded family and medical leave at two-
thirds the employee's regular rate of pay where an employee, who has been
employed for at least 30 calendar days, is unable to work due to a bona fide need
for leave to care for a child whose school or child care provider is closed or
unavailable for reasons related to COVID-19.
✓ Covered Employers: The paid sick leave and expanded family and medical leave
provisions of the FFCRA apply to certain public employers, and private employers with
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fewer than 500 employees.[1] Most employees of the federal government are
covered by Title II of the Family and Medical Leave Act, which was not amended by
this Act, and are therefore not covered by the expanded family and medical leave
provisions of the FFCRA. However, federal employees covered by Title II of the Family
and Medical Leave Act are covered by the paid sick leave provision.
Small businesses with fewer than 50 employees may qualify for exemption from the
requirement to provide leave due to school closings or child care unavailability if the
leave requirements would jeopardize the viability of the business as a going concern. U
✓ Eligible Employees: All employees of covered employers are eligible for two weeks of 6
paid sick time for specified reasons related to COVID-19. Employees employed for at
least 30 days are eligible for up to an additional 10 weeks of paid family leave to care
for a child under certain circumstances related to COVID-19.[2]
✓ Notice: Where leave is foreseeable, an employee should provide notice of leave to
the employer as is practicable. After the first workday of paid sick time, an employer
may require employees to follow reasonable notice procedures in order to continue
receiving paid sick time.
✓ Qualifying Reasons for Leave: Under the FFCRA, an employee qualifies for paid sick
time if the employee is unable to work (or unable to telework) due to a need for leave .
because the employee:
0
1. is subject to a Federal, State, or local quarantine or isolation order related to
COVID-19;
2. has been advised by a health care provider to self-quarantine related to COVID-19;
3. is experiencing COVID-19 symptoms and is seeking a medical diagnosis;
4. is caring for an individual subject to an order described in (1) or self-quarantine as
described in (2);
5. is caring for a child whose school or place of care is closed (or child care provider is
unavailable) for reasons related to COVID-19; or 2
6. is experiencing any other substantially-similar condition specified by the Secretary
of Health and Human Services, in consultation with the Secretaries of Labor and E
Treasury.
Under the FFCRA, an employee qualifies for expanded family leave if the employee
is caring for a child whose school or place of care is closed (or child care provider is
unavailable) for reasons related to COVID-19.
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✓ Duration of Leave:
• For reasons (1)-(4) and (6): A full-time employee is eligible for 80 hours of leave, and
a part-time employee is eligible for the number of hours of leave that the employee
works on average over a two-week period.
• For reason (5):A full-time employee is eligible for up to 12 weeks of leave (two weeks
of paid sick leave followed by up to 10 weeks of paid expanded family & medical
leave) at 40 hours a week, and a part-time employee is eligible for leave for the
number of hours that the employee is normally scheduled to work over that period.
✓ Calculation of Pay:[3]
• For leave reasons (1), (2), or (3): employees taking leave are entitled to pay at either --
their regular rate or the applicable minimum wage, whichever is higher, up to $511
per day and $5,110 in the aggregate (over a 2-week period).
• For leave reasons (4) or (6): employees taking leave are entitled to pay at 2/3 their
regular rate or 2/3 the applicable minimum wage, whichever is higher, up to $200
per day and $2,000 in the aggregate (over a 2-week period).
• For leave reason (5): employees taking leave are entitled to pay at 2/3 their regular Ea
rate or 2/3 the applicable minimum wage, whichever is higher, up to $200 per day 0)
and $12,000 in the aggregate (over a 12-week period). [4]
0.
✓ Tax Credits for Employers:
N
Covered employers qualify for a dollar-for-dollar reimbursement through tax credits r_
CO
for all qualifying wages paid under the FFCRA. Qualifying wages are those paid to an
employee who takes leave under the Act for a qualifying reason. Applicable tax credits
also extend to amounts paid or incurred to maintain health insurance coverage. For
more information, refer to the Department of Treasury's website.
2
[1]Certain provisions may not apply to certain employers with fewer than 50 employees. See Department FFCRA
regulations(expected April 2020).
[2]Under the Act, special rules apply for Health Care Providers and Emergency Responders.
[3]Paid sick time provided under this Act does not carryover from one year to the next. Employees are not entitled to
reimbursement for unused leave upon termination, resignation, retirement, or other separation from employment.
[4]An employee may elect to substitute any accrued vacation leave, personal leave, or medical or sick leave for the
first two weeks of partial paid leave under this section.
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MONROE COUNTY BOARD OF COUNTY COMMISSIONERS7-1
THE FLORIDA KEYS -`
70
' 1 r, /1
HOUSING-Related COVID-19 BENEFITS T, ,
Per the CARES Act \ ` e
(April 2, 00)
COVID-19 State of Emergency
The COVID-19 state of emergency has caused widespread and sudden instability for
millions of households across the country.
This is a fast-moving situation and in the coming days we may get new guidance from 7
Governor DeSantis, our Public Health Department, or the Center for Disease Control etc.,
and will provide any necessary updates through our Public Information Office. c?
If you or your household is facing a loss of income and are worried about paying your bills, 6
here are a few resources and information to consider.
Governor's tiv r r y
On April 2, Governor DeSantis issued Executive Order 2020-94:
• Suspending and tolling any statute providing for a mortgage foreclosure cause of
action under Florida law; and
• Suspending and tolling any statute providing for an eviction cause of action under
Florida law solely as it relates to non-payment of rent by residential tenants due to y
the COVID-19 emergency.
The Order remains in effect for 45 days.
Pause n Evictions in Monroe County
On March 24, 2020, the Florida State Supreme Court, through Administrative Order SC20- E
17 that suspends the Clerk's ability to issue writs of possession, as well as, Administrative
Order SC20-15 that closes the courts to non-essential proceedings, effectively creates a
pause on evictions through April 17, 2020. This may provide time for renters and landlords
to work out payment arrangements as this situation continues to unfold.
Rent PaymentRelief r vici ns
The new federal legislation (the CARES Act) that was just signed into law on March 27,
2020 created a federal moratorium from March 27, 2020 through July 24, 2020 prohibiting
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new evictions for nonpayment of rent, in those properties covered by a federally backed
mortgage (FHA, Fannie Mae, Freddie Mac, HUD, etc.)
You should be in immediate contact with your landlord to let them know your current
situation and to understand what options they have put in place to assist renters who are
impacted by the COVID-19 shutdown.
MortgagenRelief
The CARES Act also provides a moratorium on mortgage foreclosures from March 18, 2020
through May 17, 2020 for single-family properties covered by federally-backed mortgages.
If you are facing a late mortgage payment due to job loss, you should immediately contact
your servicer/lender to understand what your options are for deferring payments as
needed. You will find the contact information on your monthly statement, your online '6
account, or on their website.
As the state of emergency continues through the next few months, we would encourage --
private owners of rental properties without FHA, Fannie Mae, Freddie Mac or other
federally funded mortgages to check with their mortgage lenders to see if they might
receive a forbearance of mortgage payments that would allow the renter in the unit to
continue to stay while they work out getting the disaster relief funding.
Here is a summary of banks and their offers of support on their products, credit cards, y
loans, mortgages, etc.:
ttps://www. ankrate.c /banking/crnavirus-list- -banks-offering-help-t -
customers-financial-hardship/
Utilities
The Florida Power & Light (FPL) announced a 1-time bill decrease for the typical residential
customers of nearly 25% beginning May 1. FPL has also announced that they have
suspended disconnections, certain late fees, and are offering payment extensions.
The Florida Keys Electric Cooperative and Keys Energy both announced they are
suspending disconnections for nonpayment and offer customized payment plans.
The Florida Aqueduct Authority has stated that, at this time, they are suspending
disconnections and late fees/penalties. You should check back monthly to determine if
there are updates to the policy. In the meantime, you should contact FKAA to arrange for
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payment plans to keep the outstanding balances from growing excessively if this applies
to your household.
Impacted usin in MonroeCounty
The following is a list of government-assisted housing in Monroe County as administered
by the Florida Housing Finance Corporation.
These developments will generally meet the "covered" property rule but may have had
changes in financial structure since their initial openings.
All renters should contact their current landlord for the most current information.
Development Name Street city
m
73 Ocean 311 73rd Street Ocean Marathon 6
Atlantic Pines 400 County Road Big Pine Key
Banyan Grove 5455 MacDonald Avenue Stock Island )
Blue Water Workforce Housing 100 Burton Drive Tavernier U_
Caya Place 751 73rd Street Ocean Marathon �+
Cayo Del Mar 55013rd Avenue Key West
Douglass Square 800 Emma Street Key West
Eastwind 240 Sombrero Beach Rd. Marathon
Flagler Village 5300 MacDonald Avenue Key West
Key Plaza 215 Amelia St Key West
Mariner's Cove-Key West 3330 Northside Drive Key West
Meridian West 6701 Shrimp Road Key West
Paradise Point Senior Housing 4 North Blackwater Lane Key Largo
Poinciana Royale 1341 McCarthy Lane Key West
Quarry 10 Betty Rose Drive Key West N
Quarry II NW of Riviera Drive& Puerta Drive Big Coppitt Island
Sea Grape 7159 Overseas Highway Marathon
Sea Grape II 7159 Overseas Highway Marathon 03
Tradewinds Hammocks 100 Hammock Trail Key Largo
Tropical Isle 260 41st Street Marathon
Wet-Net Villas 81101 Overseas Highway Islamorada
3 Pa
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MONROE COUNTY BOARD OF COUNTY COMMISSIONERS S.6.i
OFFICE OF LEGISLATIVE AFFAIRS N�
ARTS AND CULTURAL ORGANIZATIONS ASSISTANCE PROGRAMS 0
� � 2'
Per the CARES Act
k�
(April 4, 00)
The National Endowment for the Arts (NEA) will distribute $75 million in funding provided by
the Coronavirus Aid, Relief, and Economic Security (CARES) Act, in recognition of the arts'
$877 billion contribution to the U.S. economy and a source of 5.1 million American jobs.
✓ The 75 million is intended to assist nonprofit arts organizations "to prevent, prepare
for, and respond to Coronavirus, domestically or internationally."
0
✓ Funds may be used for general operating expenses- a departure from the Arts
Endowment's requirement of supporting project-based funding and an
acknowledgment of the dire situation facing the arts community.
✓ In addition, arts organizations do not have to provide matching funds to receive their
grant.
✓ As regards to the distribution of the funds, the standard distinction remains of 40
percent awarded to state and regional arts organizations and 60 percent to be awarded
cu
by the Arts Endowment directly to applicant organizations.
✓ Details regarding timing and applications are being developed and will be announced
as soon as they are available. Please check arts.gov in the coming days for more
information. Learn more about those distributions here.
Here are a number of resources that arts and culture organizations may find useful:
✓ Americans for the Arts - Coronavirus (C VI -1 ) Resource and Response Center
✓ National Assembly of State Arts Agencies - Coronavirus Resources
✓ ArtsReady - Arts ReaY Alert - South Arts ArtsReady has circulated practical examples N
of measures being implemented by cultural organizations, including this March 6 New
York Times article.
✓ American Alliance of Museums - C VI -1 /Coronavirus Resources & Information for the
Museum Field contains advice applicable to museums and other cultural venues.
✓ American Association of Community Theatre - COVID-19 Respnse
✓ National Coalition for Arts' Preparedness and Emergency Response - Current crises page
✓ CERF T e rtist's afet et
As additional details become available from the NEA, they will be using data from the
Americans for the Arts Survey as part of the process to determine how funds should be
equitably distributed throughout the state. You may wish to fill out this surve .
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MONROE COUNTY BOARD OF COUNTY COMMISSIONERS
OFFICE OF LEGISLATIVE AFFAIRS
FEDERAL AGENCY WEBSITES
FOR COVID-19 RELATED RESPONSE AND RESOURCES
(April 3, 00)
For your convenience, here's a list of trusted federal partner websites for COVID-19 related
response and resources.
• . eaters for Disease Control and Prevention . How to protect yourself, what to do if
you are sick, symptoms, and view cases and the latest updates on COVID-19
• . eaters for Medicare & Medicaid Services : Coronavirus general information and
updates, clinical & technical guidance, press releases and other resources.
• e artmerrt of riculture : Frequently Asked Questions and USDA actions to 6
respond to COVID-19
• e artmerrt of ommerce errsus ureau: 2020 Census operational adjustments due to
COVID-19 --
• e artmerrt of eferrse ducatiorr chit o : Information and resources on
COVID-19 for schools for children of military members
• . e artment of Education COVID-19 ("Coronavirus") information and resources for
schools and school personnel
• e artmerrt of ousirr arrd rarr Belo meat: HUD COVID-19 information, resources 2
and fact sheets y
• PgRaLtmerrt of Labor L : In collaboration with the U.S. Department of Health & Human
Services (HHS) U.S. Department of Labor offers guidance for preparing workplaces for
coronavirus
• Food and Drug Administration (FDA): COVID-19 guidance documents, frequently asked �
questions and other information and resources
• Health Resources & Services Administration : Coronavirus (COVID-19)
information on federal resources, funding announcements and frequently asked questions
• Office of the Assistant Secretary for Pre aredrress and es orrse: The DHHS and
OASPR is working with our partners to explore the development of new medical E
countermeasures and take other actions to enhance health security. On this page you'll find
information and resources to help combat COVID-19.
• Substance Abuse and Mental Health Services Administration . SAMHSA
resources, information, and guidance for OTPs
• U.S. Small BusinessAdministration- Coronavirus (COVID-19) small business guidance &
loan resources
• o . Find your local state health department for information about the coronavirus
(COVID-19) and more.
III= <
Packet Pg. 2699
• 0 •
•
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FEDERAL AND STATE
RESPONSE TO COVIDm19
Y
Monroe Count Board of Count Commissioners
Y Y fF
Office of Legislative Affairs
Lisa Tennyson
April 15, 20
FEDERAL RESPONSE
► Congress passed and the President has signed into law
three major pieces of legislation (March 6, 19, and 28)
Intended to provide funding, relief and economic stimulus measures
t
► President announced a National Emergency (March 13).
Included two types of emergency declarations:
One under the National Emergencies and Emergency Assistance Act
t (giving special emergency authorities to HHS)
One under the Stafford Disaster Relief Act (enabling state
governments to request disaster assistance from the federal
government)
, iv, Agency- Implemented Measures
www.USA.Qovl coronavirus
STATE RESPONSE
0« To date, at the State level, the following actions have occurred:
, The Governor has issued a number of Executive Orders.
, To view the orders: Gov DeSantis Executive Orders
, The Governor requested and received a Major Disaster Declaration
, The Governor has not yet signed the budget, awaiting a further assessment of
COVID-19 impacts:
Amount of Federal Funding
Impacts to Revenues - Revenue Estimating Committee Meeting in May.
► State of Florida will be receiving approximately $126 in federal funding.
, Senate President Galvano released a memo April 2 indicating that in light of the
State's federal assistance allocation and its healthy reserves impacts to the 2020-
2021 State budget will be minimized and cuts may not be necessary.
You can read his memo here: Sen. Galvano Financial Memo
Moody's Ana lysis:https://floridapolitics.com/archives/328225-analysis-warns-of-state-
budget-woes
► Vetoes? Special Session.?
FIRST RFI J EF/STIMULUS BILL ( " Phase 1 " )
The Coronavirus Preparedness and Response
Supplemental Appropriation Act (HR 6074, HRfi074
One Hundred Sixteenth Congress
March 6, 2020) of the
United States of America
AT iff T SECOND SESSION
Brg—and held ar the 0A of Washingron on F idor,
thr third dnr of Jannary,r—rhonsand and r—it-
An Act
► Provides $8. 3B emergency supplemental funds to NIag—gency-pple as tiow for&e fiscal r.�B
30.2020,=d for other prrposcs.
States to address response and preparedness, and to BatheUn SratatofdmenrnnCongrasm�as�mbled of
HHS, CDC, NIH and FDA to address development of SECTION I,SHORptutio-
This Act may be cited u tie"Coronavirrrs Preparedness and
Response Srtpplememal Apprgxiatio6s An,2020"..
vaccines and diagnostic tools and purchase medical Azt-cos lyPC ` y"�Ce to zedas
Aci'cootainM io my diVisroo of this Act dull be trtstM as
referring only to tic Woos of that ch-oa
supplies and products. RESPONSE SUPPLEI IENTAL APPROPRIATIRONAVIRUS OSCT 2020
The foll—ing sums are hereby are appropriaud,out of any
money io the Treasruy not otherwise app—p",4 for the fiscal
year endmg September 30,.2020,aW for other pmposm wnwly_
TfrLE I
DEPARM=OF HEALTH AND HUMAN SERVICES
To view this bit[: Phase 1 Emer enc Supp Bi FOBAM DRUG ADWNITIRATION
. AND EXPENSES
Form additional am..t for-Salaries and Erq—'
S61,000,000,ro rmam avdahle»I cpmded,to p—k pM—
SECOND RELIEF/STIMULUS BILL ( " Phase 2" )
► The Families First Coronavirus Response Act
(FFCRA) (HR 6201 , March 19, 2020)
► Provides for free COVID testing, new paid sick and
family leave benefits for workers impacted by COVID-
19, tax credits to employers for paid sick leave and
family medical leave, and additional $1 B for nutrition
assistance.
. To view this bill: Phase 2 bill -FFCR Act
THIRD RELIEF/STIMULUS BILL ( " Phase 3 " )
► The Coronavirus Aid, Relief and Economic
Security ( "CARES" ) Act (HR 748/ S 3548), March
28, 2020)
Largest rescue package in history of US ($2. 3T) provides a
very wide range of relief and stimulus measures.
, To view this bill: Phase 3 Bill CARES Act
MAJOR ASSISTANCE/BEN EFITS PROVIDED IN
CARES AND FFCR ACTS
► Rebate Checks
► Expanded Unemployment Assistance
► Small Business and Not-for-Profit Organization Loans and Grants
Paycheck Protection Program
Expanded SBA loan programs and advances
► Sick and Family Leave Benefits for Employees Impacted by COVID-19 and
Tax Credits to Businesses for New Leave Benefits
Foreclosure and Eviction Moratoria for Some Types of Housing
► Suspension of Student Loan Payments
► Postponement of federal tax filing and payments until July 15, 2020
► Stabilization funding to State and Local Governments
► Federal funding boosts to health, housing, education, nutrition, etc.
CASH PAYMENTS FOR INDIVIDUALS/FAMILIES
"Recovery Rebates" "Economic Impact Payments"
11, Who? Individuals with a Social Security Number; not claimed as a dependent.
io� How? If you filed federal taxes in 2018 or 2019 OR receive social security benefits, the IRS will
issue the payments automatically.
Amount?
Individuals will receive $1,200, if they have a max adjusted gross of not more than $75,000 for
single filers, $112,500 for heads of household, and $150,000 for married couples filing jointly.
Individuals with children under 17 will receive 500 for each child.
For filers with incomes above those amounts, the payment is gradually decreased, and is
phased out completely for filers with incomes above $99,000/$136,500/$198,000.
0, When? The IRS began to distribute payments electronically this week, and announced that a "Get
My Payment" web tool should available next week to allow everyone to check the status of their
payments. https://www.irs.00v/coronavirus/economic-impact-payments
► For non-filers: There are individuals who don't have to file (low income workers, certain
veterans and individuals with disabilities) but will still qualify for the payment. The IRS has
launched a website for non-filers to register for the economic impact payments.
(https://www.irs.00v/coronavirus/non-filers-enter-payment-info-here)
For more info: https://www.irs.00v/coronavirus/economic-impact-payment-information-center
UNEMPLOYMENT COMPENSATION BENEFITS
► Benefits:
The CARES Act significantly expands benefits for individuals who have lost
their jobs due to COVID-19 crisis. New program benefits include:
, Additional $600 per week (for 4 months thru July 31 , 2020) and
, Expanded eligibility to self-employed, independent contractors, 1099s,
and part-time workers.
DEO Role:
New benefits distributed through each State's unemployment programs. In
Florida this is the Department of Economic Opportunity "Reemployment"
Program.
Who pays:
► CARES Act fully federally funds the new benefits.
When Does it Go Into Effect:
► New CARES Act program components have not yet been implemented by the
State of Florida, and no timeframe has been given.
STATE OF FLORI DA's UNEMPLOYMENT PROGRAM
DEO REEMPLOYMENT PROGRAM
loin Reemployment Assistance benefits:
Eligible: individuals include those who have lost their job through no fault of their own, laid off or
sent home without pay, or caring for an immediate family member who is diagnosed with COVID-19.
Waived Requirements like work search, online work registration and waiting week.
uu How to Apply:
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• Individuals may apply online or download the Florida Reemployment Assistance paper application.
• $119M for new improved online application site
• Link to Florida's Unemployment Assistance Program: https://covid19.floridajobs.org {
► FAQ with additional details:
DEO Unemployment Assistance FAQ
National and Florida Numbers: US DOL .https://www.dot.gov/ui/data.pd
Local Numbers: DEO (Numbers for March out on April 17) http://www.ftoridaiobs.org/workforce-
statistics/workforce-statistics-data-releases/monthly-data-releases
Lots of Problems applying/filing claims leading to delays in regular UI applications and payments; no
additional benefits flowing; non-traditional workers still cannot yet apply.**
SMALL BUSINESS ASSISTANCE
These programs are also available for sole-proprietorships and not-
for-profits.
SBA Economic Injury Disaster Loans (EIDL) and New Emergency Advances
New Payroll Protection Program
Loan Relief for Businesses with Existing SBA Loans
Tax credits for Employee Retention and Paid Sick and Family Leave
► Fact sheet with more info/details on these programs:
DEO FAQ on Business Assistance Programs
► Update: Florida DEO has an updated and revamped resource page
for all employers where you can access the following assistance
program information on one site:
, www.floridaiobsresources.com
SBA ECONOMIC INJURY DISASTER LOANS
1111, Low interest loans up to $2 million
��, Eligible: Small biz, not-for-profits, sole proprietors, self-employed
► CARES Act waives the normal SBA requirements:
Personal guarantees on EIDL loans amounts less than $200,000.
Requirement to have been in business for at least 1 year. saal
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To seek loan from other sources first. °N"`°°'rxpi tion Dale:
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Application fees. Disaster Loan Assistance
Federal Disaster Loans for Businesses,Private Non-profits,Homeowners and Renters
CARES Act also: COVID-19 ECONOMIC I NJ URY DISASTER LOAN APPLICATION
Authorizes Loan Advances of up to $10,000. _
Streamlines the process requirements and expedites the advance payment. nlKWSUnB a9naEalnmRmalnD USINE HERSIN-ATI°N w 10W'aMeama SUnnaF
STREAMLINED PROCESS REQUIREMENTS
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rights injury loan.lfyou do not submit all the inksmation requested,your loan cannot he fully processed.
The Applicant understands that the SBA Is relying upon the selkertifcad°ns contained in this appilsati0n towrify that the Applicant is an eligible
► SBA is also offering "debt relief" for existing SBA disaster and non-disaster .°"ry m the advance,and that the"p°"`a°"°providing this " `at'°°°°°"p`°a"Y°'pe7°ryP°n°a°"°23°s.`."4for
loans.
Current 7a, 504 and microloan payments will be automatically paid by SBA for 6
months.
Current disaster loans payments are suspended automatically until Dec 31 , 2020.
PAYCHECK PROTECTION PROGRAM
► The CARES Act authorizes this new forgivable loan program - designed
to provide a direct incentive for employers to keep their workers on the payroll.
► Eligible: Small businesses, 501 c3s, Vets orgs, sole proprietors, independent
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contractors, and self-employed persons
Loan Details and Forgiveness
Loan is 100% forgivable if all employees are kept on the payroll for eight weeks and the
money is used for payroll, rent, mortgage interest, or utilities. _
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Forgiveness is based on the employer maintaining or quickly rehiring employees and _
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maintaining salary levels. Forgiveness will be reduced if full-time headcount declines,
or if salaries and wages decrease. -5. 1 .
No collateral or personal guarantees are required. No fees assessed.
Payments will be deferred for six months. This loan has an interest rate of 1%.
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► Where to apply: Directly with banks/lenders. Here's the application: PPP �. r. .
Application
Chamber Commerce PPP Loan Guide and SBA FAQ
TAX CREDITS FOR BUSINESSES
► Employee Retention Tax Credit
Small businesses may be eligible for refundable payroll tax credit for 50 percent of wages paid by employers
to employees from March 12, 2020 to January 31, 2021. The credit is available to employers whose (1)
operations were fully or partially suspended due to a COVID-19 related government order or (2) gross
receipts declined by more than 50 percent when compared to the same quarter in the prior year. This
credit is not available to employers receiving assistance through the PPP.
Advanced Tax Credits for Paid Leave
Employers will receive an advance tax credit for required paid sick leave (under the Families First
Coronavirus Response Act) instead of having to be reimbursed.
► Delay of Payment of Employer Payroll Taxes ««<
Employers and self-employed individuals may defer payment of the employer share of the Social Security
tax they otherwise are responsible for paying.
► Net Operating Loss Modifications
The provision relaxes the limitations on a company's use of losses, allowing companies to utilize losses and
amend prior year returns, which will provide critical cash flow and liquidity during the COVID-19 emergency.
Find more information at the IRS website
https://www.irs.9
,ov/coronavi rus/new-em ptoyer-tax-c red its
HOUSING EVICTION/FORECLOSURE PROTECTION
Federal Moratorium
► The CARES Act places a 120 day federal moratorium on certain foreclosures and
evictions from March 27, 2020 through July 24, 2020. Covered properties include:
Single family homes with fed-backed mortgages (FHA, Freddie, Fannie, VA, HUD, '
USDA).
Mortgage servicers cannot initiate foreclosures on borrowers. Borrowers are able to
request forbearance for up to 180 days (with another 180 day extension) Renters in
homes covered by a fed backed mortgage can't be evicted for 120 days.
Federally subsidized apartments such as low-income housing tax credits (LIHTC),
public housing, and section 8 (vouchers and project-based units) 3
Housing for the elderly, people with disabilities, homeless and people with AIDS
with support from various federal programs
Fact sheets and FAQs for these HUD programs: www.hud.00v/coronavirus
Statewide Moratorium
► Governor Executive Order placed a 45 day moratorium on foreclosures and evictions
as of April 2, halting residential evictions for non-payment related to the Covid-19
crisis and all mortgage foreclosures.
NEW FEDERAL FUNDING
The CARES Act appropriates $12 billion in funding through HUD for the following programs,
including:
$5 billion in Community Development Block Grants
$4 billion for Emergency Solutions Grants for homelessness assistance
Funds distributed per CDBG formula
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CARES Act Allocations
Funding for HUD in the CARES Act
April 7,2020
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Add11 W-1 Resalrses to M-1 ErnergJ.%Needs
► 349B - PPP
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90OM-LIHEAP
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FUNDING ASSISTANCE TO GOVERNMENTS
"Stabilization Funding" "Coronavirus Relief Fund "
1�4, The CARES Act creates a $150 billion Coronavirus Relief Fund to provide payments
to states and local governments -- with populations over 500,000.
The amount to states based on their populations. Eligible local governments will get the
r,.
aid directly and this amount is subtracted from the total that is allocated to the State.
Funds must to be spent on "necessary expenditures" due to the public health
emergency and that were not budgeted.
�► Florida is receiving $8.36 in stabilization funding.
► State: $4.613
► Qualifying local governments:$3.7B
► Problem #1 : In Florida, only 12 counties and one city in Florida qualify for this
assistance. Smaller locations don't qualify for direct aid; we would have to work
thru the State.
u�► Problem #2: The funding can only be used for COVID related expenditures and not for
unexpected revenue shortfalls (lost sales tax revenues, for ex.)
Y� ICE L I E F PACKAGE
Big Picture Needs
More money ($250B?) to PPP program
More money ($100B?) to states and local governments
Needs to allow lost for revenues MG
Nat'l Gov's Association - $500B
Apil6,2020
NACO - don't use CDBG formula
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More Unemployment Assistance
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► Local government priorities in next relief package
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«o National Govs Association Call for $500B in next bill
«o NACO Letter County Priorities for 4th Relief Bill
u FAC County Priorities Letter to Ft Delegation Members