Coronavirus (COVID-19)
From Marketing Essentials
PREVIOUS WEBINARS
Pandemic: Protect Your Business from Cyber Crime.
Pandemic: Return to Work NEED to know Compliance (to keep you and your employees safe)
Pandemic: Are you Prepared to be Marketing Your Business Post-Crisis?
Pandemic: Tips to Support Employee Mental Health During the Pandemic
Pandemic: Seize the Opportunity to Grow your Business with eCommerce!
Pandemic: Financial Support to Help Your Business Thrive
Pandemic: Help Your Employees Thrive
Pandemic: Communication and Compliance Tips for Business Leaders
Pandemic: Survival Tips for Keeping Your Business In Business
Pandemic: Return to Work NEED to know Compliance (to keep you and your employees safe)
Pandemic: Are you Prepared to be Marketing Your Business Post-Crisis?
Pandemic: Tips to Support Employee Mental Health During the Pandemic
Pandemic: Seize the Opportunity to Grow your Business with eCommerce!
Pandemic: Financial Support to Help Your Business Thrive
Pandemic: Help Your Employees Thrive
Pandemic: Communication and Compliance Tips for Business Leaders
Pandemic: Survival Tips for Keeping Your Business In Business
RESOURCES & UPDATES
Things are changing rapidly. At the Chamber, we care deeply about the health and well-being of our community. In our ongoing pursuit to keep you informed, we will regularly update this section of our web site with consolidated information of value for area businesses and residents of Shelby County.
US & GLOBAL UPDATES
Those interested in tracking the developments of COVID-19 can do so using the interactive map/dashboard below:
Johns Hopkins University Interactive Map
Avi Schiffmann Dashboard
STATE OF OHIO UPDATES
Updates from Governor DeWine - The Ohio Channel on YouTube
CURRENT OHIO DEPARTMENT OF HEALTH BUSINESS GUIDANCE ORDER
OHIOANS PROTECTING OHIOANS URGENT HEALTH ADVISORY:
Governor DeWine released details of the new "Ohioans Protecting Ohioans Urgent Health Advisory" which replaces the Stay Safe Ohio order.
Guidelines & Business Specific Requirements for ReStarting Ohio.
OHIO OFFICE OF SMALL BUSINESS RELIEF: This Office coordinates state efforts to identify and provide direct support for Ohio’s nearly 950,000 small businesses and initially focus on three key areas:
• Serve as the state’s designated agency for administrating federal recovery funds awarded to Ohio for small business support and recovery.
• Work with federal, state, and local partners to evaluate and determine possible regulatory reforms that encourage employment and job creation.
• Coordinate efforts of the Ohio Small Business Development Centers and Minority Business Assistance Centers at local levels.
JobsOhio is the State's foremost authority in economic development and serves as a catalyst to accelerate growth by investing in communities, helping Ohio’s businesses expand and attracting new companies to the state – all contributing to job creation, greater payrolls and more investment.
JUNE 2nd ANNOUNCED GRANT OPPORTUNITIES FOR OHIO EMPLOYERS
Ohio PPE Retooling and Reshoring Grant Program: Ohio businesses and nonprofit organizations need personal protective equipment, which remains in short supply. We are working to solve that issue through the ingenuity of Ohio companies and their employees. The Ohio PPE Retooling and Reshoring Grant Program provides funds to help businesses innovate and create solutions to the PPE shortage.
Small and medium-sized manufacturers that retool existing facilities to make PPE or reshore PPE production to Ohio are eligible. The funding provides up to $500,000 per facility.
Needed PPE: Surgical masks, Gowns, Gloves, Community masks, Face shields, Thermometers, Hand sanitizer, Cleaning and sanitizing products,Other products and solutions.
Click here to LEARN MORE.
Ohio Minority Micro-Enterprise Grant Program: Many Ohio small, minority- and women-owned businesses have been hard hit by the COVID-19 pandemic. The Ohio Minority Micro-Enterprise Grant Program provides $10,000 in funding to help these companies through the current crisis and set them up for the future.
To be eligible, businesses must have been certified as a Minority Business Enterprise or woman-owned EDGE-certified business as of Feb. 29, 2020; have 10 or fewer employees and up to $500,000 in annual revenue; and have not received funding under the federal CARES Act.
To qualify, businesses must be current on all taxes and private or public loans. Grants will be awarded on first-come, first-served basis.
Click here to LEARN MORE.
SUPPORT FOR BARS AND RESTAURANTS
JobsOhio and the Ohio Department of Commerce’s Division of Liquor Control announced they will offer a one-time rebate to bars and restaurants to defray the cost of restocking high-proof spirituous liquor. Beginning in mid-May, JobsOhio will provide a $500 rebate in high-proof spirituous liquor to eligible permits for purchases made through Ohio Liquor Contract Liquor Agencies. Permit holders must register to be eligible for rebate. Rebates will be applied as soon as a permit holder places an order from their assigned Agency.
OHIO SAFE. OHIO WORKING.
Follow them HERE or subscribe to their weekly notifications. On this site you'll find a variety of interesting items to include an Economic Impact Updates newsletter. This easy to read format is very informative and offers both Ohio and Global economic oriented insight.
BUSINESS TOOLKIT
US Chamber Business ReOpening Digital Resources Center
View the latest state guidelines, sector-specific guidance, small business advice, and more
U.S. Chamber Coronavirus Small Business Guide
U.S Chamber Coronavirus Response Toolkit
SIDNEY-SHELBY COUNTY CHAMBER WEBINAR:
Survive and Thrive: How to Quickly Pivot Your Marketing Strategy for Restart Ohio
> Learn how to grow your business during the pandemic
PERSONAL PROTECTIVE EQUIPMENT: Ohio Emergency PPE Makers’ Exchange is an online marketplace where organizations that need personal protective equipment (PPE) and related equipment can find a wide selection offered by Ohio manufacturers.
This online exchange offers PPE and related equipment for health care workers, first responders, and small businesses. It’s especially well-suited for organizations that may have lower-volume needs, such as nursing homes, police departments, and small business employers.
In addition to the resources available via the Ohio Manufacturing Alliance Makers’ Exchange, another list of vendors providing various PPE is available here PDF.
OSHA GUIDELINES REGARDING COVID-19: The Occupational Safety and Health Administration (OSHA) developed this COVID-19 planning guidance as a best practices recommendation. This guidance is not a standard or regulation, and it creates no new legal obligations. It contains recommendations as well as descriptions of mandatory safety and health standards. The recommendations are advisory in nature, informational in content, and are intended to assist employers in providing a safe and healthful workplace.
OSHA’s Response to Workplace Safety and Coronavirus Exposure: This is a very instructive document from our friends at the US Chamber of Commerce concerning your workplace safety and record keeping obligations.
EMPLOYEE PROTECTION & PRECAUTIONS
Now is a good time to communicate with your employees. CDC recommended guidance for employers, including advice for developing a response plan and steps that all employers can implement.
For employers interested in offering guidance to their employee group about the best practices and precautions they can take during this period, the Shelby County Health Department has offered this flyer suitable for posting throughout your establishment.
COVID-19 MYTHS VS. FACTS
The Shelby County Health Department offers this advice for employers who have staff working at their places of business.
Environmental Cleaning and Disinfection Guidelines
SAFE WATER ADVICE FROM THE OHIO EPA AND OHIO DEPARTMENT OF HEALTH
TAXPAYERS: Be on the lookout for IRS impersonation calls, texts and email phishing attempts about the Coronavirus or COVID-19 Economic Impact Payments. These scams can lead to tax-related fraud and identity theft.
Here's what taxpayers should know:
PANDEMIC GUIDANCE
CLICK HERE to view an outline of how to prepare for and respond during a pandemic according to official website of the Department of Homeland Security.
MEDICAL SUPPLIES, EQUIPMENT, & SERVICES: How to Help
WILSON HEALTH GUIDANCE
Wilson Health is emphasizing that people need to continue to use the phone to call their medical provider or use Wilson Health Virtual Care as a first step.
Anyone who suspects they may have symptoms of Coronavirus can ask questions by calling the Ohio Department of Health Hotline at 833-427-5634 or call the Sidney-Shelby County Health Dept. at 937-498-7249 or visit www.wilsonhealth.org/coronavirus for up-to-date information.
EMPLOYERS: Dr. Scott Short, Director of Occupational Health, has arranged a tele-health tool that can be accessed using a persons’ cell phone, tablet, or computer with web cameras. This is an excellent resource for those that have concerns over possible symptoms to help keep employees and companies isolated from areas shared by the community.
For questions about services or to schedule a tele-medicine assessment for your employee, please contact Wilson Occupational Health at (937) 492-7296.
SMALL BUSINESS DISASTER RELIEF FUNDING
This federal program enables small businesses and non-profits throughout the state impacted by the outbreak of COVID-19 to apply for low-interest loans that can provide vital economic support to help overcome the temporary loss of revenue they are experiencing.
The Economic Injury Disaster Loans (EIDL) offer long-term, low interest assistance for a small business or non-profit. These loans can provide vital economic support to help alleviate temporary loss of revenue. EIDL assistance can be used to cover payroll and inventory, pay debt or fund other expenses. The interest rate for non-profits is 2.75%.
To keep payments affordable, these loans are long-term, with up to a maximum of 30 years for repayment. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.
ECONOMIC INJURY DISASTER LOAN ADVANCE
Cash advances in the EIDL program are for amounts up to $10,000. The amount an approved applicant receives will be determined by their number of employees. For each employee, up to 10 people, $1,000 will be advanced. Sole proprietors and non-employee LLCs will be eligible for a $1,000 advance. Larger companies will get $1,000 for the first 10 employees. The advance is in addition to the amount of the loan rather than deducted from it. In other words, if a company applies for and receives a cash advance, the advance is added to the $15,000 loan amount.
Please call the SBA at 1-800-659-2955 or email disastercustomerservice@sba.gov
Small business owners are urged to visit www.sba.gov/coronavirus and follow @SBA_Columbus on Twitter or sign up for their newsletter for more updates.
USDA OFFERS NEW LOAN PROGRAM FOR RURAL BUSINESSES
On May 22, the U.S. Secretary of Agriculture announced the Rural Business-Cooperative Service is making available up to $1 billion in loan guarantees to help rural businesses meet their working capital needs during the Coronavirus pandemic. Additionally, agricultural producers that are not eligible for USDA Farm Service Agency loans may receive funding under USDA Business & Industry (B&I) CARES Act Program.
Eligible areas include rural areas outside of a city or town with a population of fewer than 50,000 people. The borrower’s headquarters may be based within a larger city as long as the project is located in an eligible rural area. The lender may be located anywhere in the United States.
CORONAVIRUS AID, RELIEF, AND ECONOMIC SECURITY (CARES) ACT
Paycheck Protection Program (PPP)
Passed by Congress and signed into law by the President, this Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the “Paycheck Protection Program,” the initiative provides 100% federally guaranteed loans to small businesses who maintain their payroll during this emergency. Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.
On April 16th the $350 billion fund was exhausted. On April 24, the President signed the Paycheck Protection Program and Healthcare Enhancement Act. This Act was a $484 billion economic relief package providing $310 billion to re-fund the PPP and $60 billion for the Economic Injury Disaster Loan Program.
U.S. Chamber of Commerce Guide & Checklist to help your small business through the CARES process.
PPP Application Overview & Instructional VIDEO
Frequently Asked Questions about the Paycheck Protection Program
US CHAMBER GUIDE TO EMPLOYEE RETENTION TAX CREDIT
SBA and Treasury Release Paycheck Protection Program Loan Forgiveness Application
This form and instructions inform borrowers how to apply for forgiveness of their PPP loans, consistent with the Coronavirus Aid, Relief, and Economic Security Act (CARES Act).
The PPP was created by the CARES Act to provide forgivable loans to eligible small businesses to keep American workers on the payroll during the COVID-19 pandemic. These documents will help small businesses seek forgiveness at the conclusion of the eight week covered period, which begins with the disbursement of their loans.
Click here to view the application and instructions.
US CHAMBER GUIDE TO PPP LOAN FORGIVENESS
US CHAMBER GUIDE TO PPP LOAN FORGIVENESS (VIDEO)
RESOURCES FOR INDEPENDENT CONTRACTORS
If you are an independent contractor or self-employed, you may be eligible for Paycheck Protection Program (PPP) loans/grants, SBA’s Economic Injury Disaster Loans (EIDL), and/or Unemployment Compensation for losses of income related to the Coronavirus pandemic. CLICK HERE TO LEARN MORE.
JOBS OHIO LENDING SUPPORT FOR SMALL BUSINESS
JobsOhio has committed up to $50 million to assist Peoples Bank and recently merged First Federal Bank and Home Savings Bank – with providing lending support to companies negatively affected by the Coronavirus pandemic. CLICK HERE to for more detail.
MIAMI VALLEY SMALL BUSINESS DEVELOPMENT CENTER
The Miami Valley Small Business Development Center is a valuable and effective local resource for information and assistance with SBA loans, grants, and programs. For help, call the Center at 937-281-0118.
OHIO SMALL BUSINESS DEVELOPMENT CENTER
Video Series - Progress, Not Panic
This video series is aimed at small businesses and start-ups that may need guidance, solutions, encouragement as well as the latest information to help navigate during the COVID-19 outbreak.
CLICK HERE TO LEARN MORE
PAID EMPLOYEE LEAVE
Emergency Paid Sick Leave
The Act requires two weeks of paid sick leave for government workers and employees of companies with fewer than 500 employees. Leave must be made available immediately to workers who are symptomatic or are under an order or advice to quarantine or self-isolate, who have to care for a family member under such an order or advice, or who have a child whose school or child care facility has closed (or whose child care provider is unavailable) due to the Coronavirus.
Emergency Family and Medical Leave Act
The Act provides FMLA rights for some employees of companies with fewer than 500 employees, requiring partially paid leave after 10 days when an employee is unable to work or telework due to school or child care closures related to the Coronavirus.
Other Provisions
The Act provides funding for economic assistance and requires health plans to cover COVID-19 testing at no charge. A refundable tax credit for employers that provide paid leave benefits as required by the Act is also included. The U.S. Treasury is expected to use its regulatory authority to advance funds to some small businesses to cover the cost of providing paid sick leave.
The U.S. Department of Labor’s Wage and Hour Division (WHD) published guidance pursuant to the Families First Coronavirus Response Act (FFCRA):
US Chamber Paid Leave Employer Guide
Temporary Rule - Paid Leave under the Families First Coronavirus Response Act
Internal /Revenue Service Guidelines on Paid Leave Tax Credits
EMPLOYEE ASSISTANCE
Employers Can Provide Tax-Free Payments to Their Employees as a Result of COVID-19
No Penalty for Early Withdrawal of 401k's
The Care Act will allow Coronavirus related withdrawals from 401(k) and IRA accounts up to $100,000 during 2020 and avoid the normal 10% penalty for those not of the required minimum age of 59.5.
Reasons for Coronavirus related withdrawals include:
(1) An account owner diagnosed with COVID-19, or
(2) A spouse or dependent is diagnosed with COVID-19, or
(3) An individual who experiences adverse financial consequences because of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to the Coronavirus, or
(4) Closing or reducing hours of a business owned or operated by the individual due to Coronavirus, or
(5) Other factors as determined by the Treasury Secretary.
Employees will still be required to pay income taxes, but do not have to pay the full amount in one year. Tax obligations can be spread over three years. Another option is to redeposit the withdrawn amounts back within three years.
REDUCTION IN FORCE / UNEMPLOYMENT BENEFITS ASSISTANCE
Before proceeding with a layoff, have you heard about SharedWork Ohio? SharedWork Ohio is a voluntary layoff aversion program. It allows workers to remain employed and employers to retain trained staff during times of reduced business activity. Under a SharedWork Ohio plan, the participating employer reduces affected employees’ hours in a uniform manner. The participating employee works the reduced hours each week, and the Ohio Department of Job and Family Services (ODJFS) provides eligible individuals an unemployment insurance benefit proportionate to their reduced hours. CLICK HERE for more details.
Unfortunately many organizations have or will have to reduce the size of their workforce as a result of COVID-19. CLICK HERE to view Ohio's Coronavirus and Unemployment Insurance Benefits Resource Hubs for employers and employees.
FAQ: Coronavirus and Unemployment Insurance Benefits
Top 10 Need-To-Know List for Workers
How To Videos
Instructions for using Ohio’s online unemployment benefit system and Ohio’s online career and employment center.
All Ohio employers planning a mass layoff or shutdown due to the Coronavirus (COVID-19) pandemic should provide the following mass-layoff number – 2000180 – to their employees.
Ohio has two ways to file an application for Unemployment Insurance Benefits:
Online
Telephone
To apply for Unemployment Insurance Benefits, you will need:
COVID-19 affected claimants with otherwise valid applications for unemployment will be awarded benefits. While claimants must still meet the weekly requirements that they be able and available for work, the requirement that they actively search for work while receiving benefits has been waived.
EMPLOYMENT OPPORTUNITY
The Governor’s Office of Workforce Transformation has developed a website specifically geared toward matching essential businesses with Ohioans who are able and willing to work as an essential employee during the COVID-19 crisis.
Both essential businesses and current job seekers can visit Coronavirus.Ohio.gov/JobSearch to post and search.
The site features a highly-streamlined interface with only two main links – one for essential businesses, and one for job seekers. Applicants can search through jobs in their area, their region, and the entire state.
WORKFORCE SKILLS DEVELOPMENT
Now may be an ideal time to up-skill yourself or your workforce. The State of Ohio offers a number of resources both online and at a local training center. CLICK HERE to learn more.
EDISON STATE COLLEGE
COVID-19 AND WORKERS COMPENSATION
In response to the COVID-19 crisis, the Ohio Bureau of Workers’ Compensation (BWC) is initiating temporary policy changes that will allow flexibility in the provision of care to injured workers.These changes will be effective until the state of emergency related to COVID-19 is lifted within the state where the injured resides. CLICK HERE to learn more.
In addition the Ohio Bureau of Workers' Compensation (BWC) deffered the due date for employers to pay their June, July, and August premium installments until Sept.1.
Governor DeWine said the deferral is designed to help employers focus resources on re-opening their businesses under his Responsible RestartOhio Plan, the state's effort to restart the economy while keeping Ohioans safe amid the ongoing COVID-19 pandemic.
Changes to your Notice of Estimated Annual Premium & Premium Installment Schedule
The Ohio BWC mailed the Notice of Estimated Annual Premium and Premium Installment Schedule for the 2020-2021 Policy Year. This notice was sent to all active policies during the last week of April.
The Ohio BWC - because of the potential impact of the COVID-19 Pandemic - reduced every policy's estimated payroll by 20%. This is NOT a premium reduction. If your payroll was/is unchanged, you will be responsible for the premium balance during next summer's True-up period
Answers to Ohio BWC most Frequently Asked Questions
EMPLOYERS: The Ohio Bureau of Workers’ Compensation (BWC) announced that insurance premium installment payments due for March, April, May, June, July, and August are being deferred with no financial penalties. This is for public and private employers. BWC will not lapse (cancel) coverage or assess penalties for amounts not paid because of the Coronavirus pandemic.
FACE COVERINGS: The BWC will be distributing at least 2 million non-medical-grade face coverings to Ohio employers who are covered by BWC. Public and private employers that participate in the State Insurance Fund will receive a package from BWC containing at least 50 face coverings. These packages will be shipped in batches. The masks are funded through BWC’s existing budget and will not impact any premiums.
BWC Employer Dividend of $1.6 Billion
Of the $1.6 billion dividend, approximately $1.4 billion will go to private employers and approximately $200 million will go to local government taxing districts, such as counties, cities, townships, and schools.
Also, more than 5,500 Ohio employers are sitting on $10.8 million in uncashed checks from the Ohio Bureau of Workers' Compensation (BWC). The checks were part of a $1.5 billion rebate in 2019.
In addition, the Ohio Bureau of Workers' Compensation (BWC) announced that they are waiving several program requirements for employers due to the impact of the COVID-19.
All safety education and training requirements for this policy year (July 1, 2019 – June 30, 2020 for private employers) will be waived for those participating in the programs listed below. The premium discounts offered will be applied automatically.
• Drug-Free Safety Program
• EM Cap Program
• Grow Ohio
• Industry Specific Safety Program
• One Claim Program
• Policy Activity Rebate Program
2020 SHELBY COUNTY RECOVERY FUND
The Community Foundation of Shelby County and the Shelby County United Way have established the 2020 Recovery Fund to provide grants to charities and governmental entities serving local residents in the areas of food, shelter, healthcare and other needs related to the economic downturn.
To give or to apply for a grant, go to the Community Foundation website at https://commfoun.com/giving/2020-recovery/
IN CLOSING
At the Chamber, we know this issue is likely to impact many businesses in our membership. We stand ready to assist as your advocate with federal, state and local officials regarding regulations, economic stimulus, and/or the government response to the virus. Please reach out to us if you think we can be of help.
US & GLOBAL UPDATES
Those interested in tracking the developments of COVID-19 can do so using the interactive map/dashboard below:
Johns Hopkins University Interactive Map
Avi Schiffmann Dashboard
STATE OF OHIO UPDATES
Updates from Governor DeWine - The Ohio Channel on YouTube
CURRENT OHIO DEPARTMENT OF HEALTH BUSINESS GUIDANCE ORDER
OHIOANS PROTECTING OHIOANS URGENT HEALTH ADVISORY:
Governor DeWine released details of the new "Ohioans Protecting Ohioans Urgent Health Advisory" which replaces the Stay Safe Ohio order.
- The health order replaces language requiring Ohioans to stay at home with limited exceptions with language that strongly recommends that citizens, especially those who are high-risk, stay at home as much as possible.
- The order does not change the mass gathering restrictions, which remain at a 10-person limit.
- The new health advisory also lifts overall travel restrictions and the requirement to quarantine if someone travels to or returns to Ohio. Unnecessary travel within or outside of Ohio is not encouraged.
- Those who have tested positive for COVID-19 and have not recovered, those who are presumptively diagnosed with COVID-19, and those who are exhibiting the symptoms identified in the screening guidance available from the CDC and the Ohio Department of Health, remain prohibited from entering the state of Ohio unless they are doing so under medical orders for purposes of medical care, are being transported by emergency medical services EMS, are driving or being driven directly to a medical provider for the purposes of initial care, or are a permanent resident of Ohio.
Guidelines & Business Specific Requirements for ReStarting Ohio.
- Manufacturing, Distribution, and Construction - open May 4
- General Office Environments - open May 4
- Consumer, Retail, and Services - open May 12
- Restaurants and Bars - open to outside dining May 15 and inside dining May 21
- Salons and Barbershops - open May 15
- Other Opening Updates
- Responsible Restart Ohio
- Ohio Department of Health COVID-19 Resource Page
OHIO OFFICE OF SMALL BUSINESS RELIEF: This Office coordinates state efforts to identify and provide direct support for Ohio’s nearly 950,000 small businesses and initially focus on three key areas:
• Serve as the state’s designated agency for administrating federal recovery funds awarded to Ohio for small business support and recovery.
• Work with federal, state, and local partners to evaluate and determine possible regulatory reforms that encourage employment and job creation.
• Coordinate efforts of the Ohio Small Business Development Centers and Minority Business Assistance Centers at local levels.
JobsOhio is the State's foremost authority in economic development and serves as a catalyst to accelerate growth by investing in communities, helping Ohio’s businesses expand and attracting new companies to the state – all contributing to job creation, greater payrolls and more investment.
JUNE 2nd ANNOUNCED GRANT OPPORTUNITIES FOR OHIO EMPLOYERS
Ohio PPE Retooling and Reshoring Grant Program: Ohio businesses and nonprofit organizations need personal protective equipment, which remains in short supply. We are working to solve that issue through the ingenuity of Ohio companies and their employees. The Ohio PPE Retooling and Reshoring Grant Program provides funds to help businesses innovate and create solutions to the PPE shortage.
Small and medium-sized manufacturers that retool existing facilities to make PPE or reshore PPE production to Ohio are eligible. The funding provides up to $500,000 per facility.
Needed PPE: Surgical masks, Gowns, Gloves, Community masks, Face shields, Thermometers, Hand sanitizer, Cleaning and sanitizing products,Other products and solutions.
Click here to LEARN MORE.
Ohio Minority Micro-Enterprise Grant Program: Many Ohio small, minority- and women-owned businesses have been hard hit by the COVID-19 pandemic. The Ohio Minority Micro-Enterprise Grant Program provides $10,000 in funding to help these companies through the current crisis and set them up for the future.
To be eligible, businesses must have been certified as a Minority Business Enterprise or woman-owned EDGE-certified business as of Feb. 29, 2020; have 10 or fewer employees and up to $500,000 in annual revenue; and have not received funding under the federal CARES Act.
To qualify, businesses must be current on all taxes and private or public loans. Grants will be awarded on first-come, first-served basis.
Click here to LEARN MORE.
SUPPORT FOR BARS AND RESTAURANTS
JobsOhio and the Ohio Department of Commerce’s Division of Liquor Control announced they will offer a one-time rebate to bars and restaurants to defray the cost of restocking high-proof spirituous liquor. Beginning in mid-May, JobsOhio will provide a $500 rebate in high-proof spirituous liquor to eligible permits for purchases made through Ohio Liquor Contract Liquor Agencies. Permit holders must register to be eligible for rebate. Rebates will be applied as soon as a permit holder places an order from their assigned Agency.
OHIO SAFE. OHIO WORKING.
Follow them HERE or subscribe to their weekly notifications. On this site you'll find a variety of interesting items to include an Economic Impact Updates newsletter. This easy to read format is very informative and offers both Ohio and Global economic oriented insight.
BUSINESS TOOLKIT
US Chamber Business ReOpening Digital Resources Center
View the latest state guidelines, sector-specific guidance, small business advice, and more
U.S. Chamber Coronavirus Small Business Guide
U.S Chamber Coronavirus Response Toolkit
SIDNEY-SHELBY COUNTY CHAMBER WEBINAR:
Survive and Thrive: How to Quickly Pivot Your Marketing Strategy for Restart Ohio
> Learn how to grow your business during the pandemic
PERSONAL PROTECTIVE EQUIPMENT: Ohio Emergency PPE Makers’ Exchange is an online marketplace where organizations that need personal protective equipment (PPE) and related equipment can find a wide selection offered by Ohio manufacturers.
This online exchange offers PPE and related equipment for health care workers, first responders, and small businesses. It’s especially well-suited for organizations that may have lower-volume needs, such as nursing homes, police departments, and small business employers.
In addition to the resources available via the Ohio Manufacturing Alliance Makers’ Exchange, another list of vendors providing various PPE is available here PDF.
OSHA GUIDELINES REGARDING COVID-19: The Occupational Safety and Health Administration (OSHA) developed this COVID-19 planning guidance as a best practices recommendation. This guidance is not a standard or regulation, and it creates no new legal obligations. It contains recommendations as well as descriptions of mandatory safety and health standards. The recommendations are advisory in nature, informational in content, and are intended to assist employers in providing a safe and healthful workplace.
OSHA’s Response to Workplace Safety and Coronavirus Exposure: This is a very instructive document from our friends at the US Chamber of Commerce concerning your workplace safety and record keeping obligations.
EMPLOYEE PROTECTION & PRECAUTIONS
Now is a good time to communicate with your employees. CDC recommended guidance for employers, including advice for developing a response plan and steps that all employers can implement.
For employers interested in offering guidance to their employee group about the best practices and precautions they can take during this period, the Shelby County Health Department has offered this flyer suitable for posting throughout your establishment.
COVID-19 MYTHS VS. FACTS
The Shelby County Health Department offers this advice for employers who have staff working at their places of business.
Environmental Cleaning and Disinfection Guidelines
SAFE WATER ADVICE FROM THE OHIO EPA AND OHIO DEPARTMENT OF HEALTH
TAXPAYERS: Be on the lookout for IRS impersonation calls, texts and email phishing attempts about the Coronavirus or COVID-19 Economic Impact Payments. These scams can lead to tax-related fraud and identity theft.
Here's what taxpayers should know:
- The IRS will not call, email or text you to verify or request your financial, banking or personal information.
- Watch out for websites and social media attempts to request money or personal information. The official website is IRS.gov.
- Don't open surprise emails that look like they're coming from the IRS or click on attachments or links.
- Taxpayers should not provide personal or financial information or engage with potential scammers online or over the phone.
- Forward suspicious emails to phishing@irs.gov, then delete.
- The IRS will automatically deposit Economic Impact Payments into the bank account taxpayers provided on their 2019 or 2018 tax return for a direct deposit of their tax refund.
- Those without a direct deposit account on file may be able to provide their banking information online through a new secure tool, Get My Payment.
- Anyone who is eligible for an Economic Impact Payment and doesn't provide direct deposit information will receive a payment mailed to the last address the IRS has on file.
- The IRS does not charge a fee to issue the payment.
- Ask an individual to sign over their Economic Impact Payment check to them.
- Ask for verification of personal or banking information.
- Suggest that they can get someone tax refund or Economic Impact Payment faster by working on their behalf.
- Issue a bogus check, often in an odd amount, then tell a person to call a number or verify information online in order to cash it.
PANDEMIC GUIDANCE
CLICK HERE to view an outline of how to prepare for and respond during a pandemic according to official website of the Department of Homeland Security.
MEDICAL SUPPLIES, EQUIPMENT, & SERVICES: How to Help
- To sell medical supplies or equipment to the federal government, please email specifics to covidsupplies@fema.dhs.gov.
- If you have medical supplies or equipment to donate, please provide us details on what you are offering.
- If you are a private company that wants to produce a product related to the COVID response – email nbeoc@max.gov.
- If you are a hospital and other companies in need of medical supplies, contact your state Department of Public Health and/or Emergency Management
- For non-medical supplies, services or equipment, if you are interested in doing business with FEMA, visit our Industry Liaison Program.
WILSON HEALTH GUIDANCE
Wilson Health is emphasizing that people need to continue to use the phone to call their medical provider or use Wilson Health Virtual Care as a first step.
Anyone who suspects they may have symptoms of Coronavirus can ask questions by calling the Ohio Department of Health Hotline at 833-427-5634 or call the Sidney-Shelby County Health Dept. at 937-498-7249 or visit www.wilsonhealth.org/coronavirus for up-to-date information.
EMPLOYERS: Dr. Scott Short, Director of Occupational Health, has arranged a tele-health tool that can be accessed using a persons’ cell phone, tablet, or computer with web cameras. This is an excellent resource for those that have concerns over possible symptoms to help keep employees and companies isolated from areas shared by the community.
For questions about services or to schedule a tele-medicine assessment for your employee, please contact Wilson Occupational Health at (937) 492-7296.
SMALL BUSINESS DISASTER RELIEF FUNDING
This federal program enables small businesses and non-profits throughout the state impacted by the outbreak of COVID-19 to apply for low-interest loans that can provide vital economic support to help overcome the temporary loss of revenue they are experiencing.
The Economic Injury Disaster Loans (EIDL) offer long-term, low interest assistance for a small business or non-profit. These loans can provide vital economic support to help alleviate temporary loss of revenue. EIDL assistance can be used to cover payroll and inventory, pay debt or fund other expenses. The interest rate for non-profits is 2.75%.
To keep payments affordable, these loans are long-term, with up to a maximum of 30 years for repayment. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.
ECONOMIC INJURY DISASTER LOAN ADVANCE
Cash advances in the EIDL program are for amounts up to $10,000. The amount an approved applicant receives will be determined by their number of employees. For each employee, up to 10 people, $1,000 will be advanced. Sole proprietors and non-employee LLCs will be eligible for a $1,000 advance. Larger companies will get $1,000 for the first 10 employees. The advance is in addition to the amount of the loan rather than deducted from it. In other words, if a company applies for and receives a cash advance, the advance is added to the $15,000 loan amount.
Please call the SBA at 1-800-659-2955 or email disastercustomerservice@sba.gov
Small business owners are urged to visit www.sba.gov/coronavirus and follow @SBA_Columbus on Twitter or sign up for their newsletter for more updates.
USDA OFFERS NEW LOAN PROGRAM FOR RURAL BUSINESSES
On May 22, the U.S. Secretary of Agriculture announced the Rural Business-Cooperative Service is making available up to $1 billion in loan guarantees to help rural businesses meet their working capital needs during the Coronavirus pandemic. Additionally, agricultural producers that are not eligible for USDA Farm Service Agency loans may receive funding under USDA Business & Industry (B&I) CARES Act Program.
Eligible areas include rural areas outside of a city or town with a population of fewer than 50,000 people. The borrower’s headquarters may be based within a larger city as long as the project is located in an eligible rural area. The lender may be located anywhere in the United States.
CORONAVIRUS AID, RELIEF, AND ECONOMIC SECURITY (CARES) ACT
Paycheck Protection Program (PPP)
Passed by Congress and signed into law by the President, this Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the “Paycheck Protection Program,” the initiative provides 100% federally guaranteed loans to small businesses who maintain their payroll during this emergency. Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.
On April 16th the $350 billion fund was exhausted. On April 24, the President signed the Paycheck Protection Program and Healthcare Enhancement Act. This Act was a $484 billion economic relief package providing $310 billion to re-fund the PPP and $60 billion for the Economic Injury Disaster Loan Program.
U.S. Chamber of Commerce Guide & Checklist to help your small business through the CARES process.
PPP Application Overview & Instructional VIDEO
Frequently Asked Questions about the Paycheck Protection Program
US CHAMBER GUIDE TO EMPLOYEE RETENTION TAX CREDIT
SBA and Treasury Release Paycheck Protection Program Loan Forgiveness Application
This form and instructions inform borrowers how to apply for forgiveness of their PPP loans, consistent with the Coronavirus Aid, Relief, and Economic Security Act (CARES Act).
The PPP was created by the CARES Act to provide forgivable loans to eligible small businesses to keep American workers on the payroll during the COVID-19 pandemic. These documents will help small businesses seek forgiveness at the conclusion of the eight week covered period, which begins with the disbursement of their loans.
Click here to view the application and instructions.
US CHAMBER GUIDE TO PPP LOAN FORGIVENESS
US CHAMBER GUIDE TO PPP LOAN FORGIVENESS (VIDEO)
RESOURCES FOR INDEPENDENT CONTRACTORS
If you are an independent contractor or self-employed, you may be eligible for Paycheck Protection Program (PPP) loans/grants, SBA’s Economic Injury Disaster Loans (EIDL), and/or Unemployment Compensation for losses of income related to the Coronavirus pandemic. CLICK HERE TO LEARN MORE.
JOBS OHIO LENDING SUPPORT FOR SMALL BUSINESS
JobsOhio has committed up to $50 million to assist Peoples Bank and recently merged First Federal Bank and Home Savings Bank – with providing lending support to companies negatively affected by the Coronavirus pandemic. CLICK HERE to for more detail.
MIAMI VALLEY SMALL BUSINESS DEVELOPMENT CENTER
The Miami Valley Small Business Development Center is a valuable and effective local resource for information and assistance with SBA loans, grants, and programs. For help, call the Center at 937-281-0118.
OHIO SMALL BUSINESS DEVELOPMENT CENTER
Video Series - Progress, Not Panic
This video series is aimed at small businesses and start-ups that may need guidance, solutions, encouragement as well as the latest information to help navigate during the COVID-19 outbreak.
CLICK HERE TO LEARN MORE
PAID EMPLOYEE LEAVE
Emergency Paid Sick Leave
The Act requires two weeks of paid sick leave for government workers and employees of companies with fewer than 500 employees. Leave must be made available immediately to workers who are symptomatic or are under an order or advice to quarantine or self-isolate, who have to care for a family member under such an order or advice, or who have a child whose school or child care facility has closed (or whose child care provider is unavailable) due to the Coronavirus.
Emergency Family and Medical Leave Act
The Act provides FMLA rights for some employees of companies with fewer than 500 employees, requiring partially paid leave after 10 days when an employee is unable to work or telework due to school or child care closures related to the Coronavirus.
Other Provisions
The Act provides funding for economic assistance and requires health plans to cover COVID-19 testing at no charge. A refundable tax credit for employers that provide paid leave benefits as required by the Act is also included. The U.S. Treasury is expected to use its regulatory authority to advance funds to some small businesses to cover the cost of providing paid sick leave.
The U.S. Department of Labor’s Wage and Hour Division (WHD) published guidance pursuant to the Families First Coronavirus Response Act (FFCRA):
- Fact Sheet for Employees
- Fact Sheet for Employers
- Questions and Answers
- Employer Posting Requirements
- Employee Notice Poster
US Chamber Paid Leave Employer Guide
Temporary Rule - Paid Leave under the Families First Coronavirus Response Act
Internal /Revenue Service Guidelines on Paid Leave Tax Credits
EMPLOYEE ASSISTANCE
Employers Can Provide Tax-Free Payments to Their Employees as a Result of COVID-19
No Penalty for Early Withdrawal of 401k's
The Care Act will allow Coronavirus related withdrawals from 401(k) and IRA accounts up to $100,000 during 2020 and avoid the normal 10% penalty for those not of the required minimum age of 59.5.
Reasons for Coronavirus related withdrawals include:
(1) An account owner diagnosed with COVID-19, or
(2) A spouse or dependent is diagnosed with COVID-19, or
(3) An individual who experiences adverse financial consequences because of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to the Coronavirus, or
(4) Closing or reducing hours of a business owned or operated by the individual due to Coronavirus, or
(5) Other factors as determined by the Treasury Secretary.
Employees will still be required to pay income taxes, but do not have to pay the full amount in one year. Tax obligations can be spread over three years. Another option is to redeposit the withdrawn amounts back within three years.
REDUCTION IN FORCE / UNEMPLOYMENT BENEFITS ASSISTANCE
Before proceeding with a layoff, have you heard about SharedWork Ohio? SharedWork Ohio is a voluntary layoff aversion program. It allows workers to remain employed and employers to retain trained staff during times of reduced business activity. Under a SharedWork Ohio plan, the participating employer reduces affected employees’ hours in a uniform manner. The participating employee works the reduced hours each week, and the Ohio Department of Job and Family Services (ODJFS) provides eligible individuals an unemployment insurance benefit proportionate to their reduced hours. CLICK HERE for more details.
Unfortunately many organizations have or will have to reduce the size of their workforce as a result of COVID-19. CLICK HERE to view Ohio's Coronavirus and Unemployment Insurance Benefits Resource Hubs for employers and employees.
FAQ: Coronavirus and Unemployment Insurance Benefits
Top 10 Need-To-Know List for Workers
How To Videos
Instructions for using Ohio’s online unemployment benefit system and Ohio’s online career and employment center.
All Ohio employers planning a mass layoff or shutdown due to the Coronavirus (COVID-19) pandemic should provide the following mass-layoff number – 2000180 – to their employees.
Ohio has two ways to file an application for Unemployment Insurance Benefits:
Online
- File online at http://unemployment.ohio.gov, 24 hours/day, 7 days/week. Service may be limited during nightly system updating. Check the website for available services. Please be sure to follow the instructions.
- If you do not have access to a computer, visit your local library or OhioMeansJobs Center where computers are available for public use. A list of OhioMeansJobs Centers can be found at: http://jfs.ohio.gov/owd/wioa/map.stm.
Telephone
- Call toll-free 1-877-644-6562 or TTY 1-614-387-8408, (excluding holidays) Monday through Friday 8 AM - 5 PM.
To apply for Unemployment Insurance Benefits, you will need:
- Your Social Security number
- Your driver's license or state ID number
- Your name, address, telephone number, and e-mail address
- Name, address, telephone number, and dates of employment with each employer you worked for during the past 6 weeks of employment
- The reason you became unemployed from each employer
- Dependents' names, Social Security numbers, and dates of birth
- If claiming dependents, your spouse's name, Social Security number, and birth date
- If you are not a U.S. citizen or national, alien registration number and expiration date
- Your regular occupation and job skills
COVID-19 affected claimants with otherwise valid applications for unemployment will be awarded benefits. While claimants must still meet the weekly requirements that they be able and available for work, the requirement that they actively search for work while receiving benefits has been waived.
EMPLOYMENT OPPORTUNITY
The Governor’s Office of Workforce Transformation has developed a website specifically geared toward matching essential businesses with Ohioans who are able and willing to work as an essential employee during the COVID-19 crisis.
Both essential businesses and current job seekers can visit Coronavirus.Ohio.gov/JobSearch to post and search.
The site features a highly-streamlined interface with only two main links – one for essential businesses, and one for job seekers. Applicants can search through jobs in their area, their region, and the entire state.
WORKFORCE SKILLS DEVELOPMENT
Now may be an ideal time to up-skill yourself or your workforce. The State of Ohio offers a number of resources both online and at a local training center. CLICK HERE to learn more.
EDISON STATE COLLEGE
- Edison State is open and spring courses are going on now. All campuses are closed, but courses and services are available with distance technology.
- Students can register now for summer courses (all on-line) or fall courses. The fall schedule is back to the traditional mix of on-line and in classroom classes, but Edison does have a back-up on-line section ready for every course possible as needed.
- Edison State provides a 100% scholarship for every graduating high school senior in Shelby County. These can be seniors with or without CCP credits. Seniors need to apply to Edison State and complete the FAFSA. Once all financial aid is applied, Edison State will pay for the remaining charges with a scholarship.
- All student services including advising, course registration, career counseling and financial aid are available on the web or with a phone appointment.
- New students do not need to have an ACT, SAT, or other placement exam. Edison will place the students using their high school GPA or an individualized college readiness assessment completed with an Edison State adviser.
COVID-19 AND WORKERS COMPENSATION
In response to the COVID-19 crisis, the Ohio Bureau of Workers’ Compensation (BWC) is initiating temporary policy changes that will allow flexibility in the provision of care to injured workers.These changes will be effective until the state of emergency related to COVID-19 is lifted within the state where the injured resides. CLICK HERE to learn more.
In addition the Ohio Bureau of Workers' Compensation (BWC) deffered the due date for employers to pay their June, July, and August premium installments until Sept.1.
Governor DeWine said the deferral is designed to help employers focus resources on re-opening their businesses under his Responsible RestartOhio Plan, the state's effort to restart the economy while keeping Ohioans safe amid the ongoing COVID-19 pandemic.
Changes to your Notice of Estimated Annual Premium & Premium Installment Schedule
The Ohio BWC mailed the Notice of Estimated Annual Premium and Premium Installment Schedule for the 2020-2021 Policy Year. This notice was sent to all active policies during the last week of April.
The Ohio BWC - because of the potential impact of the COVID-19 Pandemic - reduced every policy's estimated payroll by 20%. This is NOT a premium reduction. If your payroll was/is unchanged, you will be responsible for the premium balance during next summer's True-up period
Answers to Ohio BWC most Frequently Asked Questions
EMPLOYERS: The Ohio Bureau of Workers’ Compensation (BWC) announced that insurance premium installment payments due for March, April, May, June, July, and August are being deferred with no financial penalties. This is for public and private employers. BWC will not lapse (cancel) coverage or assess penalties for amounts not paid because of the Coronavirus pandemic.
FACE COVERINGS: The BWC will be distributing at least 2 million non-medical-grade face coverings to Ohio employers who are covered by BWC. Public and private employers that participate in the State Insurance Fund will receive a package from BWC containing at least 50 face coverings. These packages will be shipped in batches. The masks are funded through BWC’s existing budget and will not impact any premiums.
BWC Employer Dividend of $1.6 Billion
Of the $1.6 billion dividend, approximately $1.4 billion will go to private employers and approximately $200 million will go to local government taxing districts, such as counties, cities, townships, and schools.
Also, more than 5,500 Ohio employers are sitting on $10.8 million in uncashed checks from the Ohio Bureau of Workers' Compensation (BWC). The checks were part of a $1.5 billion rebate in 2019.
In addition, the Ohio Bureau of Workers' Compensation (BWC) announced that they are waiving several program requirements for employers due to the impact of the COVID-19.
All safety education and training requirements for this policy year (July 1, 2019 – June 30, 2020 for private employers) will be waived for those participating in the programs listed below. The premium discounts offered will be applied automatically.
• Drug-Free Safety Program
• EM Cap Program
• Grow Ohio
• Industry Specific Safety Program
• One Claim Program
• Policy Activity Rebate Program
2020 SHELBY COUNTY RECOVERY FUND
The Community Foundation of Shelby County and the Shelby County United Way have established the 2020 Recovery Fund to provide grants to charities and governmental entities serving local residents in the areas of food, shelter, healthcare and other needs related to the economic downturn.
To give or to apply for a grant, go to the Community Foundation website at https://commfoun.com/giving/2020-recovery/
IN CLOSING
At the Chamber, we know this issue is likely to impact many businesses in our membership. We stand ready to assist as your advocate with federal, state and local officials regarding regulations, economic stimulus, and/or the government response to the virus. Please reach out to us if you think we can be of help.
