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
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 POPULATION HEALTH 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 POPULATION HEALTH UPDATES
The Public Health Advisory Alert System is a color-coded system designed to supplement existing statewide orders through a data-driven framework to assess the degree of the virus’ spread and to engage and empower individuals, businesses, communities, local governments, and others in their response and actions.
Ohio Public Health Advisory System
FEDERAL UPDATES - PANDEMIC RELIEF FOR BUSINESS
March 25, 2021 - Our friends at the US Chamber notified us that Congress just passed an extension of the Paycheck Protection Program (PPP) that allows small businesses and eligible non-profits to apply for PPP loans. The new deadline if approved by the President is May 31st. Until then, the March 31st remains the deadline to apply.
To learn more, visit these additional resources from the U.S. Chamber:
23 Frequently Asked PPP Loan Questions, Answered - published 1/14/2021
How to Get Your PPP Loan Forgiven - published 1/8/2021
22 Grants, Loans and Programs to Benefit Your Small Business - published 1/14/2021
10 Commonly Overlooked Small Business Tax Credits - published 1/15/2021
Miami Valley Small Business Development Center Updates
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.
March 26th - SBA to Increase Lending Limit for COVID-19 Disaster Loans
The U.S. Small Business Administration (SBA) is increasing the maximum amount small businesses and nonprofit organizations can borrow through its COVID-19 Economic Injury Disaster Loan (EIDL) program. Starting the week of April 6, the SBA is raising the loan limit for the COVID-19 EIDL program from six months of economic injury with a maximum loan amount of $150,000 to up to 24 months of economic injury with a maximum loan amount of $500,000.
Businesses that receive a loan subject to the current limits do not need to submit a request for an increase at this time. SBA will reach out directly via email and provide more details about how businesses can request an increase closer to the April 6 implementation date. Any new loan applications and any loans in process when the new loan limits are implemented will automatically be considered for loans covering 24 months of economic injury up to a maximum of $500,000.
This new relief builds on SBA’s previous March 12 announcement that the agency would extend deferment periods for all disaster loans, including COVID-19 EIDLs, until 2022 to offer more time for businesses to build back. In order to shift all EIDL payments to 2022, SBA will extend the first payment due date for disaster loans made in 2020 to 24 months from the date of the note and to 18 months from the date of the note for all loans made in the calendar year 2021.
Questions about SBA COVID-19 EIDL and disaster loan payments can be emailed to DisasterCustomerService@sba.gov or directed to SBA’s Customer Service Center at 1-800-659-2955 (1-800-877-8339 for the deaf and hard of hearing).
March 26th - New Law Extends Tax Credit to Keep Workers on Payroll
The Internal Revenue Service is implementing several changes to the Employee Retention Credit that are designed to make it easier for businesses that choose to keep their employees on the payroll despite challenges posed by COVID-19.
The federal government is enacting the changes as part of the Taxpayer Certainty and Disaster Tax Relief Act of 2020, which was passed in late December 2020.
Changes include:
Employers should consider consulting a tax professional regarding these changes.
For more details about the changes, click here.
January 12th - According to the Miami Valley Small Business Development Center, eligible businesses yet to file for first draw loans can still do so.
First Draw PPP Loans can be used to help fund payroll costs, including benefits. Funds can also be used to pay for mortgage interest, rent, utilities, worker protection costs related to COVID-19, uninsured property damage costs caused by looting or vandalism
during 2020, and certain supplier costs and expenses for operations.
These loans will initially only be available through Community Financial Institutions (CFIs)
The new PPP2 will be available to businesses that have already received and expended their initial PPP loan and
Under the new program guidelines accommodation and Foodservice businesses (NAICS codes starting with 72) will be able to apply for up to 3.5% their average monthly payroll costs.
COVID-19 VACCINE ONE PAGE FAQ
STATE OF OHIO UPDATES
Updates from Governor DeWine - The Ohio Channel on YouTube
April 6, 2021 - SIMPLIFICATION OF THE NEW HEALTH ORDER ISSUED BY THE STATE OF OHIO
A simplified public health order has being released by the Ohio Department of Health covering guidelines for social distancing, facial coverings, and gatherings.
This new health order replaces nearly all other orders, including those for campgrounds, entertainment venues, mass gatherings, bars, restaurants, banquet and catering services, fairs, etc. Requirements under those previous orders are no longer mandated; only what is stated in the new order is now required by the state.
Keep in mind, local health departments can impose stricter regulations.
This new order gives businesses the freedom to implement with common sense those things that most prevent the spread of coronavirus:
Face coverings should be worn at all times in:
All limits for capacity are lifted, other than for indoor facilities with fixed seating. Spectators at an indoor facility with fixed capacity are limited to 25%. If your seating is not fixed (such as a meeting venue where setups for events are flexible), this does not apply.
However, you still have to provide the 6-foot distancing between individuals who are not from the same household.
Keeping the Six Feet of Separation Between Groups of Individuals
When gathered together in any setting, individuals should be in a group of no more than 10 individuals, and each group should be separated from other groups by at least six feet. Take this into consideration when planning any function or when managing the flow of customers.
Think of this in terms of “party size.”
Large Gatherings
Exhibitions, Competitions and Auctions
March 02, 2021 - Updates: Mass Gatherings, Meeting Venues, Dine In Orders
▪ The 300-guest limit for banquet & catering facilities/services is eliminated. The new order states: “Events at banquet centers no longer have a 300-person limitation, so long as they comply with the Orders identified in this section.” Hotel & lodging properties and other venues should now create occupancy limits based on social distancing and safety parameters which fit their specific spaces. Very large spaces may be able to host more than 300 guests. Venues which can safely hold separate events which total more than 300 guests can now do so.
▪ Meetings without food can be held in banquet or event spaces. The order states events at banquet facilities shall comply with the orders allowing gatherings, “whether or not food is served.”
▪ Events in hotel & lodging banquet and meeting spaces need to follow three orders: 1) mandatory face masks, 2) the “Dine Safe Ohio” order, 3) self-service food stations order (if applicable).
▪ The restrictions in the Nov. 15 order for wedding receptions and funeral repasts are eliminated. The new order states that events in banquet facilities only need to comply with three orders (face mask, Dine Safe Ohio, self-service food stations.) Those orders do not contain the restrictions that were imposed on wedding receptions and funeral events. The order signed March 2 is an update of the Nov. 15 order and eliminates several onerous provisions contained in the Nov. 15 version.
▪ The prohibition on dancing is eliminated. This rule was contained in the Nov. 15 version of the Mass Gatherings Order. It is not in the version signed March 2. Dancing is permitted in the Dine Safe Ohio Order updated on Sept. 23. In item 2, it states: “The open congregate areas in restaurants, bars, banquet and catering facilities (billiards, card playing, pinball games, video games, arcade games, dancing, entertainment) are permitted to open but businesses must follow all social distancing guidelines as well as sanitation guidelines provided in this and other orders.” The new order states that events in banquet facilities shall follow the Dine Safe Ohio order.
▪ The requirement that if serving food and beverages, guests must be served at their seats is eliminated. This requirement was contained in the Nov. 15 order and not the update issued March 2. The new order states that events in banquet facilities shall follow the Dine Safe Ohio order. That order allows buffets. Self-service buffers are also allowed by another order (see below).
▪ The requirement that guests be seated by household is eliminated. This requirement was contained in the Nov. 15 order and not the update issued March 2. The new order states that events in banquet facilities shall follow the Dine Safe Ohio order. That order contains nothing regarding seating by household.
▪ The limit of 10 persons per table in banquet & catering environments is maintained. This limit is set in the Dine Safe Ohio Order. It states in item 2, “Tables are to be limited to no more than 10 persons.” This is a maximum number, and most hotels continue to seat fewer than 10 per table.
▪ Many COVID-19 safety measures still apply. While some restrictions contained in the Nov. 15 order have been eliminated, the new order is clear in stating that the face covering, Dine Safe Ohio, and self-service food orders must be followed. These orders contain specific requirements regarding mandatory face masks, social distancing, use of sanitizer and sanitizing stations, signage, traffic flow and many other safety measures.
▪ Guests must remain seated when eating or drinking. This requirement is contained in the Dine Safe Ohio Order. It states, “Customers must be seated when consuming food, beer, wine, and liquor on the premises of the business.”
▪ Congregating still covered by Dine Safe Ohio Order and other guidance. The Dine Safe Ohio order states, “Businesses and operations shall continue to comply with Social Distancing Requirements as defined in this Order, including by maintaining six-foot social distancing for both employees and members of the public when possible…” and “For the purposes of this Order, Social Distancing Requirements includes maintaining at least six-foot social distancing from other individuals.” Congregating is still prohibited.
▪ The use of self-service buffets is permitted. On Feb. 11, the state issued an addendum to the order that Reopens Restaurants, Bars, Banquet and Catering Facilities and Services to Dine-in Service, with Exceptions (known as the Dine Safe Ohio Order). That order stated, “self-service food stations in food service operations are permitted to resume use of their self-service food stations…” The Governor’s office issued a statement which confirmed this applied to hotel banquet & catering operations: “This amended order, reopens self-service food stations in restaurants, bars, banquet and catering facilities, and services…”
The conditions that allow reopening of self-service buffets are:
• Customers must wear facial coverings while using self-service food stations or in line for self-service food stations. Those unable to wear a facial covering must be served by an employee.
• Buffet tables/salad bars must be spaced a minimum of 6 feet away from customer seating/tables, and lines must not extend into seating areas.
• Customer flow at buffet tables/salad bars must move in one direction with a beginning point and ending point, and customers must maintain at least 6 feet of social distancing while in line. Directional signage must be posted indicating where the customer line begins.
• Hand sanitizer must be placed at self-serve food stations, including at the front of the line and end of the line of buffet tables/salad bars, and used by customers prior to, and after, serving themselves.
• At least 6 feet of social distancing must be maintained between seated customers and customers in line for a buffet/salad bar and monitored by employees.
• Serving utensils must be replaced or cleaned and sanitized at least hourly. It is recommended that customers use disposable napkins, tissues, wax paper, etc. when handling serving utensils, and operators of self-service food stations are encouraged to make them available. A trash receptacle should be conveniently located.
• Use of individually packaged condiments is recommended instead of shared or bulk condiment dispensers.
• Commonly touched surfaces must be cleaned and sanitized frequently.
• While in operation, self-serve areas must be continually monitored by staff who are trained in food safety, including monitoring customer hand sanitizing practices at the self-service food station.
• Food must be protected from contamination, including sneeze guards on self-serve equipment.
• Signage must be placed at self-service food stations requiring customers to use hand sanitizer before and after serving themselves, and to maintain at least 6 feet of social distancing while in line. The signage should recommend that customers use disposable napkins, tissues, wax paper, etc., when handling serving utensils. Download sample sign here.
February 11, 2021 - CURFEW UPDATE
Today Governor DeWine announced that because of declining COVID-19 related hospitalizations, the State of Ohio has lifted its previously imposed curfew.
January 26, 2021 - CURFEW UPDATE
The Ohio Department of Health has recommended that Ohio's curfew be amended to 11 p.m. to 5 a.m. when COVID-related hospital utilization drops below 3,500 for seven consecutive days. As of today, hospitalizations have been below 3,500 for the past six days. If hospitalizations remain at this level for a seventh consecutive day, Ohio's curfew will be amended on Thursday and will be in effect from 11 p.m. to 5 a.m. for at least two weeks.
If hospital utilization subsequently drops below 3,000 for seven consecutive days, Ohio's curfew would be amended to 12 a.m. to 5 a.m. for at least two weeks. If hospitalizations drops below 2,500 for seven consecutive days, the Ohio Department of Health would recommend lifting the curfew.
If, at any point, the number of COVID-related hospitalizations begins to rise, health officials could reinstitute the appropriate curfew measures.
January 21, 2021
Governor DeWine announced that the Ohio Department of Health will extend Ohio's
10 p.m. to 5 a.m. curfew.
December 30, 2020
Governor DeWine announced that the Ohio Department of Health will extend Ohio's 10 p.m. to 5 a.m. curfew until January 23, 2021. The extension is necessary until Ohio can determine if it will see a post-holiday case surge that impacts hospitals.
December 10, 2020
Governor DeWine announced today that the Ohio Department of Health will be extending the 10 p.m. to 5 a.m. statewide curfew until January 2, 2021. For background info see November 17.
December 7, 2020
The federal government has advised that the Ohio Department of Health will not know the exact number of vaccines that will be shipped to Ohio until closer to each shipment date. The current shipment figures, which are subject to change, are as follows:
SMALL BUSINESS GRANTS
The Small Business Relief Grant is designed to provide relief to Ohio businesses that have been negatively affected by COVID-19. Governor Mike DeWine has designated up to $125 million of funding received by the State of Ohio from the federal CARES Act to provide $10,000 grants to small businesses to help them through the current crisis. The program, which will begin accepting applications November 2, 2020, will be administered by the Ohio Development Services Agency. CLICK HERE to learn more.
BARS & RESTAURANTS
The Bar and Restaurant Assistance Fund is designed to assist Ohio’s on-premise liquor permit holders. Governor Mike DeWine has designated $38.7 million of funding received by the State of Ohio from the federal CARES Act to provide $2,500 assistance payments to on-premise liquor permit holders to help them through the financial difficulties experienced during the COVID-19 pandemic. These permit holders have not been able to fully use their liquor permit and it’s had an impact on their business. The program, which will begin accepting applications November 2, 2020, will be administered by the Ohio Development Services Agency. CLICK HERE to learn more.
Governor DeWine Signs House Bill 606 Into Law
(COLUMBUS, Ohio)—Ohio Governor Mike DeWine signed House Bill 606 into law. House Bill 606, sponsored by Representative Diane Grendell, ensures civil immunity to individuals, schools, health care providers, businesses, and other entities from lawsuits arising from exposure, transmission, or contraction of COVID-19, or any mutation of the virus, as long as they were not showing reckless, intentional, or willful misconduct.
It also shields health care providers from liability in tort actions regarding the care and services they provide during this pandemic unless they were acting recklessly or displaying intentional misconduct.
Ohio Department of Health COVID-19 Resource Page
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.
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.
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
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.
Workplace Exposures to COVID-19 / Recording Cases of COVID-19
According to the Occupational Safety and Health Administration (OSHA), COVID-19 can be a recordable illness if a worker is infected as a result of performing their work-related duties. However, employers are only responsible for recording cases of COVID-19 if all of the following are true:
1. The case is a confirmed case of COVID-19 (see CDC information on persons under investigation and presumptive positive and laboratory-confirmed cases of COVID-19);
2. The case is work-related (as defined by 29 CFR 1904.5); and
3. The case involves one or more of the general recording criteria set forth in 29 CFR 1904.7 (e.g., medical treatment beyond first aid, days away from work).
Visit OSHA’s Injury and Illness Recordkeeping and Reporting Requirements page for more information.
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:
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.
USDA OFFERS 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.
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.
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.
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
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 POPULATION HEALTH 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 POPULATION HEALTH UPDATES
The Public Health Advisory Alert System is a color-coded system designed to supplement existing statewide orders through a data-driven framework to assess the degree of the virus’ spread and to engage and empower individuals, businesses, communities, local governments, and others in their response and actions.
Ohio Public Health Advisory System
FEDERAL UPDATES - PANDEMIC RELIEF FOR BUSINESS
March 25, 2021 - Our friends at the US Chamber notified us that Congress just passed an extension of the Paycheck Protection Program (PPP) that allows small businesses and eligible non-profits to apply for PPP loans. The new deadline if approved by the President is May 31st. Until then, the March 31st remains the deadline to apply.
To learn more, visit these additional resources from the U.S. Chamber:
- Read up on how to obtain a PPP loan.
- Visit this COVID resources page to reacquaint yourself with options available
- Replay recent webinars on the stimulus package and what it means for small businesses.
23 Frequently Asked PPP Loan Questions, Answered - published 1/14/2021
How to Get Your PPP Loan Forgiven - published 1/8/2021
22 Grants, Loans and Programs to Benefit Your Small Business - published 1/14/2021
10 Commonly Overlooked Small Business Tax Credits - published 1/15/2021
Miami Valley Small Business Development Center Updates
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.
March 26th - SBA to Increase Lending Limit for COVID-19 Disaster Loans
The U.S. Small Business Administration (SBA) is increasing the maximum amount small businesses and nonprofit organizations can borrow through its COVID-19 Economic Injury Disaster Loan (EIDL) program. Starting the week of April 6, the SBA is raising the loan limit for the COVID-19 EIDL program from six months of economic injury with a maximum loan amount of $150,000 to up to 24 months of economic injury with a maximum loan amount of $500,000.
Businesses that receive a loan subject to the current limits do not need to submit a request for an increase at this time. SBA will reach out directly via email and provide more details about how businesses can request an increase closer to the April 6 implementation date. Any new loan applications and any loans in process when the new loan limits are implemented will automatically be considered for loans covering 24 months of economic injury up to a maximum of $500,000.
This new relief builds on SBA’s previous March 12 announcement that the agency would extend deferment periods for all disaster loans, including COVID-19 EIDLs, until 2022 to offer more time for businesses to build back. In order to shift all EIDL payments to 2022, SBA will extend the first payment due date for disaster loans made in 2020 to 24 months from the date of the note and to 18 months from the date of the note for all loans made in the calendar year 2021.
Questions about SBA COVID-19 EIDL and disaster loan payments can be emailed to DisasterCustomerService@sba.gov or directed to SBA’s Customer Service Center at 1-800-659-2955 (1-800-877-8339 for the deaf and hard of hearing).
March 26th - New Law Extends Tax Credit to Keep Workers on Payroll
The Internal Revenue Service is implementing several changes to the Employee Retention Credit that are designed to make it easier for businesses that choose to keep their employees on the payroll despite challenges posed by COVID-19.
The federal government is enacting the changes as part of the Taxpayer Certainty and Disaster Tax Relief Act of 2020, which was passed in late December 2020.
Changes include:
- Retroactive to the March 27, 2020, enactment of the CARES Act, the law now allows employers who received Paycheck Protection Program (PPP) loans to claim the ERC for qualified wages that are not treated as payroll costs in obtaining forgiveness of the PPP loan.
- The Employee Retention Credit (ERC) is extended for six months, through June 30, 2021.
- Eligible employers can now claim a refundable tax credit against the employer share of Social Security tax equal to 70% of qualified wages from Dec. 31, 2020, to June 30, 2021.
Employers should consider consulting a tax professional regarding these changes.
For more details about the changes, click here.
January 12th - According to the Miami Valley Small Business Development Center, eligible businesses yet to file for first draw loans can still do so.
First Draw PPP Loans can be used to help fund payroll costs, including benefits. Funds can also be used to pay for mortgage interest, rent, utilities, worker protection costs related to COVID-19, uninsured property damage costs caused by looting or vandalism
during 2020, and certain supplier costs and expenses for operations.
These loans will initially only be available through Community Financial Institutions (CFIs)
- CFIs tend to be smaller regional banks that have average assets under $1 billion.
- The SBA is hoping that by opening the program to CFIs, more funds will go to smaller businesses and minority owned firms that more frequently have relationships with CFIs
- Check with you local lending institution to determine if they are participating in the program and if they are a CFI and the date they will begin receiving applications
- The SBA will open the program to other lenders “shortly thereafter”.
The new PPP2 will be available to businesses that have already received and expended their initial PPP loan and
- Have less than 300 employees and can demonstrate a quarterly loss of at least 25% between comparable quarters in 2019 and 2020.
- PPP2 is capped at $2 million
Under the new program guidelines accommodation and Foodservice businesses (NAICS codes starting with 72) will be able to apply for up to 3.5% their average monthly payroll costs.
COVID-19 VACCINE ONE PAGE FAQ
STATE OF OHIO UPDATES
Updates from Governor DeWine - The Ohio Channel on YouTube
April 6, 2021 - SIMPLIFICATION OF THE NEW HEALTH ORDER ISSUED BY THE STATE OF OHIO
A simplified public health order has being released by the Ohio Department of Health covering guidelines for social distancing, facial coverings, and gatherings.
This new health order replaces nearly all other orders, including those for campgrounds, entertainment venues, mass gatherings, bars, restaurants, banquet and catering services, fairs, etc. Requirements under those previous orders are no longer mandated; only what is stated in the new order is now required by the state.
Keep in mind, local health departments can impose stricter regulations.
This new order gives businesses the freedom to implement with common sense those things that most prevent the spread of coronavirus:
- face coverings
- social distancing
- sanitizing
- hand washing
- There is NO LONGER an order limiting capacity at outdoor events to 30% fixed seating capacity.
- Indoor meetings without fixed seating (in other words, seats bolted to the ground) are not under any capacity restriction, other than your ability to provide setups with social distancing in place.
Face coverings should be worn at all times in:
- Any indoor location that is not a residence
- Outdoors when it is impossible to maintain a six-foot distance from individuals who are not part of your pod or household
- Waiting for riding, driving, operating public transportation, taxi, car service, or ride-sharing a vehicle. This doesn’t apply to private or rental vehicles where members of a pod/family are sharing a vehicle.
- While seated and actively eating and drinking. Must remain seated.
- While working alone in an enclosed space, such as an office.
- If an individual is separated by at least six feet in all directions in a space that is not used or accessible by the public, such as an office
- When actively participating in broadcast communications
- Individual is less than 10 years old
- A medical condition prevents wearing of a mask
- When individual is communicating with someone who is hearing-impaired or another disability where the ability to see the mouth is essential for communication
- While actively exercising in a gym or indoor facility, as long as six or more feet of distance between individuals exists
- While actively engaged in public safety, such as law enforcement, firefighters or emergency medical personnel
- When prohibited by law or regulation
- When in violation of documented industry standards
- When in violation of documented business safety policies
- When an officiant of a religious service
- When working in an industrial or manufacturing facility, employees must be separated by at least six feet in all directions or by a barrier
All limits for capacity are lifted, other than for indoor facilities with fixed seating. Spectators at an indoor facility with fixed capacity are limited to 25%. If your seating is not fixed (such as a meeting venue where setups for events are flexible), this does not apply.
However, you still have to provide the 6-foot distancing between individuals who are not from the same household.
Keeping the Six Feet of Separation Between Groups of Individuals
When gathered together in any setting, individuals should be in a group of no more than 10 individuals, and each group should be separated from other groups by at least six feet. Take this into consideration when planning any function or when managing the flow of customers.
Think of this in terms of “party size.”
Large Gatherings
- When managing an event, discourage standing or sitting close together in buildings or other parts of the premises.
- Where possible, maintain one-way traffic in buildings and other area of premises.
Exhibitions, Competitions and Auctions
- All participants maintain six ft. distancing.
- If a competition, family members of participants have priority in viewing areas.
- Microphones must be sanitized after each person uses them.
- Virtual events should be considered, though not required.
- Buyers have priority seating at auctions. Social distancing must be maintained for all events.
- Spectators at an indoor facility with fixed seating are limited to 25% of fixed seating.
- Maintain 6-foot distancing between seated spectators with groups of up to 10 seated together.
- Maintain 6-foot social distancing in all directions for employees and customers.
- Continue frequent hand washing / hand sanitizing.
- Cover coughs/sneezes into your elbow not your hands.
- Regularly clean high-touch surfaces.
- Where possible include signs, tape or other to remind employees and customers to maintain 6-foot distancing.
- Have hand sanitizer available for employees and customers.
- Hand washing or sanitization upon entry of a facility.
- Provide sanitizers that meet CDC guidelines throughout your business, event, meeting, etc.
- Routinely disinfect high-contact surfaces and areas.
- All businesses and organized gatherings, where possible shall post signage at all entrances to wear face coverings and to maintain 6-foot distancing at all times on grounds or premises.
- Strive to maximize ventilation, including doors and windows.
- Indoor facilities expected to employ filtration of MERV 13 or higher as soon as possible.
- All establishments or organized gatherings (such as meetings and events) that serve food and beverage should require patrons to be seated while eating and drinking.
- Tables should be six feet apart.
- No more than 10 people per table.
- Facial coverings are to be worn when not eating or drinking.
March 02, 2021 - Updates: Mass Gatherings, Meeting Venues, Dine In Orders
▪ The 300-guest limit for banquet & catering facilities/services is eliminated. The new order states: “Events at banquet centers no longer have a 300-person limitation, so long as they comply with the Orders identified in this section.” Hotel & lodging properties and other venues should now create occupancy limits based on social distancing and safety parameters which fit their specific spaces. Very large spaces may be able to host more than 300 guests. Venues which can safely hold separate events which total more than 300 guests can now do so.
▪ Meetings without food can be held in banquet or event spaces. The order states events at banquet facilities shall comply with the orders allowing gatherings, “whether or not food is served.”
▪ Events in hotel & lodging banquet and meeting spaces need to follow three orders: 1) mandatory face masks, 2) the “Dine Safe Ohio” order, 3) self-service food stations order (if applicable).
▪ The restrictions in the Nov. 15 order for wedding receptions and funeral repasts are eliminated. The new order states that events in banquet facilities only need to comply with three orders (face mask, Dine Safe Ohio, self-service food stations.) Those orders do not contain the restrictions that were imposed on wedding receptions and funeral events. The order signed March 2 is an update of the Nov. 15 order and eliminates several onerous provisions contained in the Nov. 15 version.
▪ The prohibition on dancing is eliminated. This rule was contained in the Nov. 15 version of the Mass Gatherings Order. It is not in the version signed March 2. Dancing is permitted in the Dine Safe Ohio Order updated on Sept. 23. In item 2, it states: “The open congregate areas in restaurants, bars, banquet and catering facilities (billiards, card playing, pinball games, video games, arcade games, dancing, entertainment) are permitted to open but businesses must follow all social distancing guidelines as well as sanitation guidelines provided in this and other orders.” The new order states that events in banquet facilities shall follow the Dine Safe Ohio order.
▪ The requirement that if serving food and beverages, guests must be served at their seats is eliminated. This requirement was contained in the Nov. 15 order and not the update issued March 2. The new order states that events in banquet facilities shall follow the Dine Safe Ohio order. That order allows buffets. Self-service buffers are also allowed by another order (see below).
▪ The requirement that guests be seated by household is eliminated. This requirement was contained in the Nov. 15 order and not the update issued March 2. The new order states that events in banquet facilities shall follow the Dine Safe Ohio order. That order contains nothing regarding seating by household.
▪ The limit of 10 persons per table in banquet & catering environments is maintained. This limit is set in the Dine Safe Ohio Order. It states in item 2, “Tables are to be limited to no more than 10 persons.” This is a maximum number, and most hotels continue to seat fewer than 10 per table.
▪ Many COVID-19 safety measures still apply. While some restrictions contained in the Nov. 15 order have been eliminated, the new order is clear in stating that the face covering, Dine Safe Ohio, and self-service food orders must be followed. These orders contain specific requirements regarding mandatory face masks, social distancing, use of sanitizer and sanitizing stations, signage, traffic flow and many other safety measures.
▪ Guests must remain seated when eating or drinking. This requirement is contained in the Dine Safe Ohio Order. It states, “Customers must be seated when consuming food, beer, wine, and liquor on the premises of the business.”
▪ Congregating still covered by Dine Safe Ohio Order and other guidance. The Dine Safe Ohio order states, “Businesses and operations shall continue to comply with Social Distancing Requirements as defined in this Order, including by maintaining six-foot social distancing for both employees and members of the public when possible…” and “For the purposes of this Order, Social Distancing Requirements includes maintaining at least six-foot social distancing from other individuals.” Congregating is still prohibited.
▪ The use of self-service buffets is permitted. On Feb. 11, the state issued an addendum to the order that Reopens Restaurants, Bars, Banquet and Catering Facilities and Services to Dine-in Service, with Exceptions (known as the Dine Safe Ohio Order). That order stated, “self-service food stations in food service operations are permitted to resume use of their self-service food stations…” The Governor’s office issued a statement which confirmed this applied to hotel banquet & catering operations: “This amended order, reopens self-service food stations in restaurants, bars, banquet and catering facilities, and services…”
The conditions that allow reopening of self-service buffets are:
• Customers must wear facial coverings while using self-service food stations or in line for self-service food stations. Those unable to wear a facial covering must be served by an employee.
• Buffet tables/salad bars must be spaced a minimum of 6 feet away from customer seating/tables, and lines must not extend into seating areas.
• Customer flow at buffet tables/salad bars must move in one direction with a beginning point and ending point, and customers must maintain at least 6 feet of social distancing while in line. Directional signage must be posted indicating where the customer line begins.
• Hand sanitizer must be placed at self-serve food stations, including at the front of the line and end of the line of buffet tables/salad bars, and used by customers prior to, and after, serving themselves.
• At least 6 feet of social distancing must be maintained between seated customers and customers in line for a buffet/salad bar and monitored by employees.
• Serving utensils must be replaced or cleaned and sanitized at least hourly. It is recommended that customers use disposable napkins, tissues, wax paper, etc. when handling serving utensils, and operators of self-service food stations are encouraged to make them available. A trash receptacle should be conveniently located.
• Use of individually packaged condiments is recommended instead of shared or bulk condiment dispensers.
• Commonly touched surfaces must be cleaned and sanitized frequently.
• While in operation, self-serve areas must be continually monitored by staff who are trained in food safety, including monitoring customer hand sanitizing practices at the self-service food station.
• Food must be protected from contamination, including sneeze guards on self-serve equipment.
• Signage must be placed at self-service food stations requiring customers to use hand sanitizer before and after serving themselves, and to maintain at least 6 feet of social distancing while in line. The signage should recommend that customers use disposable napkins, tissues, wax paper, etc., when handling serving utensils. Download sample sign here.
February 11, 2021 - CURFEW UPDATE
Today Governor DeWine announced that because of declining COVID-19 related hospitalizations, the State of Ohio has lifted its previously imposed curfew.
January 26, 2021 - CURFEW UPDATE
The Ohio Department of Health has recommended that Ohio's curfew be amended to 11 p.m. to 5 a.m. when COVID-related hospital utilization drops below 3,500 for seven consecutive days. As of today, hospitalizations have been below 3,500 for the past six days. If hospitalizations remain at this level for a seventh consecutive day, Ohio's curfew will be amended on Thursday and will be in effect from 11 p.m. to 5 a.m. for at least two weeks.
If hospital utilization subsequently drops below 3,000 for seven consecutive days, Ohio's curfew would be amended to 12 a.m. to 5 a.m. for at least two weeks. If hospitalizations drops below 2,500 for seven consecutive days, the Ohio Department of Health would recommend lifting the curfew.
If, at any point, the number of COVID-related hospitalizations begins to rise, health officials could reinstitute the appropriate curfew measures.
January 21, 2021
Governor DeWine announced that the Ohio Department of Health will extend Ohio's
10 p.m. to 5 a.m. curfew.
- The curfew does not apply to those going to and from work, those who have an emergency, or those who need medical care. The curfew is not intended to stop anyone from getting groceries or going to the pharmacy.
- Picking up carry-out or a drive-thru meal and ordering for delivery is permitted, but serving food and drink within an establishment must cease at 10:00 p.m.
December 30, 2020
Governor DeWine announced that the Ohio Department of Health will extend Ohio's 10 p.m. to 5 a.m. curfew until January 23, 2021. The extension is necessary until Ohio can determine if it will see a post-holiday case surge that impacts hospitals.
December 10, 2020
Governor DeWine announced today that the Ohio Department of Health will be extending the 10 p.m. to 5 a.m. statewide curfew until January 2, 2021. For background info see November 17.
December 7, 2020
The federal government has advised that the Ohio Department of Health will not know the exact number of vaccines that will be shipped to Ohio until closer to each shipment date. The current shipment figures, which are subject to change, are as follows:
- On or around December 15, a shipment from Pfizer will include 9,750 vaccines for Ohio's prepositioned hospital sites. An additional 88,725 vaccines will go to Walgreens and CVS for congregate care settings.
- On or around December 22, a shipment of 201,000 vaccines is expected from Moderna. These vaccines will go to 98 hospitals for vaccination of those who are exposed to COVID patients and to 108 health departments to vaccinate other frontline workers such as those working in emergency medical services.
- On or around December 22, another shipment is also expected from Pfizer. The tentative number of vaccines in this shipment is 123,000. These vaccines will go to Walgreens and CVS for vaccination of those in congregate care settings.
- A few days later, Ohio expects another 148,000 vaccines from Pfizer and 89,000 vaccines from Moderna.
SMALL BUSINESS GRANTS
The Small Business Relief Grant is designed to provide relief to Ohio businesses that have been negatively affected by COVID-19. Governor Mike DeWine has designated up to $125 million of funding received by the State of Ohio from the federal CARES Act to provide $10,000 grants to small businesses to help them through the current crisis. The program, which will begin accepting applications November 2, 2020, will be administered by the Ohio Development Services Agency. CLICK HERE to learn more.
BARS & RESTAURANTS
The Bar and Restaurant Assistance Fund is designed to assist Ohio’s on-premise liquor permit holders. Governor Mike DeWine has designated $38.7 million of funding received by the State of Ohio from the federal CARES Act to provide $2,500 assistance payments to on-premise liquor permit holders to help them through the financial difficulties experienced during the COVID-19 pandemic. These permit holders have not been able to fully use their liquor permit and it’s had an impact on their business. The program, which will begin accepting applications November 2, 2020, will be administered by the Ohio Development Services Agency. CLICK HERE to learn more.
Governor DeWine Signs House Bill 606 Into Law
(COLUMBUS, Ohio)—Ohio Governor Mike DeWine signed House Bill 606 into law. House Bill 606, sponsored by Representative Diane Grendell, ensures civil immunity to individuals, schools, health care providers, businesses, and other entities from lawsuits arising from exposure, transmission, or contraction of COVID-19, or any mutation of the virus, as long as they were not showing reckless, intentional, or willful misconduct.
It also shields health care providers from liability in tort actions regarding the care and services they provide during this pandemic unless they were acting recklessly or displaying intentional misconduct.
Ohio Department of Health COVID-19 Resource Page
Guidelines & Business Specific Requirements for ReStarting Ohio
- Sector specific operating requirements for businesses to open and operate as part of Responsible RestartOhio.
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.
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.
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
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.
Workplace Exposures to COVID-19 / Recording Cases of COVID-19
According to the Occupational Safety and Health Administration (OSHA), COVID-19 can be a recordable illness if a worker is infected as a result of performing their work-related duties. However, employers are only responsible for recording cases of COVID-19 if all of the following are true:
1. The case is a confirmed case of COVID-19 (see CDC information on persons under investigation and presumptive positive and laboratory-confirmed cases of COVID-19);
2. The case is work-related (as defined by 29 CFR 1904.5); and
3. The case involves one or more of the general recording criteria set forth in 29 CFR 1904.7 (e.g., medical treatment beyond first aid, days away from work).
Visit OSHA’s Injury and Illness Recordkeeping and Reporting Requirements page for more information.
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.
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.
USDA OFFERS 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.
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.
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.
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
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.
