The coronavirus relief package dramatically expands unemployment insurance to the jobless during the outbreak, aimed at easing the suffering imposed by the crisis as claims last week topped 3 million and shattered records.
The $2 trillion bill enacted Friday creates two main categories of benefits for individuals.
- The first is Pandemic Unemployment Assistance, which covers people who are unable to work because of the coronavirus outbreak — that includes independent contractors, gig workers, sick people and those caring for a loved one during the outbreak. PLEASE NOTE THIS IS FOR RECIPIENTS OF 1099 FORMS
- The second is an extra $600 per week over the next four months for those who are out of work and getting jobless benefits in their state. SO YES YOU WILL GET BOTH CHECKS!
Here are some questions and answers on how the unemployment benefits work:
Once you’re on unemployment insurance in your state, you will be eligible for an extra $600 per week in emergency federal compensation through July 31, 2020. That’s in addition to what you’ll receive in state benefits.
Sorry. People who are employed and working from home aren’t eligible.
It depends on your state. Some provide benefits to part-time workers, but others don’t.
It’s a similar situation for those whose hours are cut. The bill provides funding for states that want to provide benefits when companies slashed workers’ hours without laying them off. But not every state provides those benefits, and it appears the federal government is deferring to them on this.
Yes. If you were scheduled to start a job, but lost the job or are unable to get to it as a result of coronavirus, you’ll be eligible.
Yes. This bill creates a new program, called Pandemic Unemployment Assistance, that extends benefits to gig workers, contractors and others who wouldn’t otherwise qualify for unemployment compensation but cannot work due to the coronavirus emergency. You’ll get the $600 per week, plus half the average unemployment benefit in your state.
No. If you qualify for unemployment, the $600 per week applies regardless of what your salary was. (There was a last-minute kerfuffle where a few Senate Republicans tried to reduce the benefits for those who were earning less, but that effort failed.)
You should be eligible for assistance once you certify that you’re ordinarily able and willing to work but can’t because of the virus emergency. That includes if you’ve tested positive or exhibit symptoms of COVID-19, or if you’re caring for a member of your household or family who has been diagnosed with the illness.
You should also be covered if you’re out of work due to an inability to reach the office due to a quarantine imposed as a direct result of the coronavirus crisis.
In most states, people who lose their job can typically get up to 26 weeks of unemployment, and then it stops, even if you haven’t found a new job. This bill will provide another 13 weeks once it runs out. After those 39 weeks, if an “extended benefits” program is triggered, that can provide an additional 13 to 20 weeks of compensation.
Some states require a one-week waiting period for people who become unemployed before they start collecting benefits. Under this bill, Washington will pick up the full cost for states that want to provide those benefits immediately, instead of waiting one week. But ultimately, it’s up to the state you live in to decide whether to provide benefits during that first week.