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Financial assistance for people affected by the coronavirus

See our list of banks, lenders and state programs designed to help individuals.

Updated . What changed?

Fact checked

We’ll continue updating this page with resources and information as new details emerge in the world’s response to COVID-19.

A growing number of resources are available if you’re struggling to keep up with bills and expenses amid the country’s response to the coronavirus pandemic. Explore several credit options or banks reaching out to offer assistance. You might even find help from your employer or through government resources.

WATCH: Where to find financial assistance if you’ve been affected by coronavirus

Banks and credit unions that offer coronavirus financial aid

Taking out new types of credit isn’t much of an option if you’re out of a job indefinitely. But the Federal Deposit Insurance Corporation (FDIC) is working with financial institutions to help ease the financial impact of the new coronavirus on people.

Below is list a banks offering financial assistance to customers:

BankAssistanceCustomer service helplineWhere to find more info
ACNB BankACNB is offering the following assistance:

  • Fees. One overdraft fee waived, monthly maintenance fee waived and no ATM transaction or deposit fees.
  • Loans. Deferment available to eligible customers.
  • CDs. No withdrawal fees on CDs open for more than seven days.
888-334-2262Learn more
Ally Bank
  • Car, home and healthcare loans. Payment deferrals for 120 days with no late fees, as well as additional payment assistance available on a case-by-case basis
  • Banking. No fees for overdrafts, debit cards, expedited checks or excessive transactions on savings and money market accounts, until July 18, 2020
  • Car loan customers: 888-925-2559
  • Banking customers: 877-247-2559
  • Home loan customers: 855-256-2559
  • Healthcare loan customers: 888-568-0186
Learn more
Androscoggin BankHardship assistance available on a case-by-case basis.800-966-9172Learn more
Arvest Bank
  • Fees. Stop payment and telephone transfer fees are also waived.
  • Mortgages. Forbearance for up to six months, extended to 12 months if needed. Payment deferrals.
  • Loans. New personal loans with no payments for the first 120 days. Telephone loan payment fees are also waived.
  • CDs. No early withdrawal fees.
877-483-2940Learn more
Associated Bank
  • Checking accounts. Waived ATM fees.
  • Credit cards. Fee waivers and payment assistance when you contact customer service.
  • CDs, savings and money market accounts. Waived withdrawal fees.
  • Mortgages. Payments deferred for up to six months.
  • Loans. Suspended late fees for April and May.
  • General customers: 800-236-8866
  • Mortgage customers: 866-504-2774
Learn more
Bank of America
  • Deposit accounts. Refunds for overdraft, nonsufficient funds and monthly maintenance fees.
  • Credit cards. Payment deferral and late fee refunds.
  • Car loans. Deferred payments, which are added at the end of the loan term.
  • Mortgages and home equity loans. Deferred payments, which are added at the end of the loan term.

    Bank of America also paused foreclosures, evictions and repossessions. It will not report any late payments mentioned above to credit bureaus as long as you’re up to date on your accounts.

    • Banking customers: 800-432-1000
    • Credit card customers: Call the number on the back of your card
    Learn more
    Bank of ColoradoDeferred payments for three months on any current loans. Interest accrues during the deferral period.800-227-7715Learn more
    Bank Hometown
    • CDs. Waived early withdrawal fees on withdrawals up to $10,000 per customer.
    • Loans and mortgages. Hometown will consider options on an individual basis.

    All assistance is provided until further notice.

    888-307-5887Learn more
    BBVA
    • Loans, lines of credit and credit cards. Payment deferrals and extensions are available on a case-by-case basis.
    • Banking. Waived ATM fees and refunds for ATM fees from other banks or networks, upon request.
    • CDs. No withdrawal fees on CDs opened before March 1, 2020.
    • Loan, line of credit and credit card customers: 844-222-3862
    • General customer service: 844-228-2872
    Learn more
    BECU Credit Union
    • Interest-free personal loans. Members affected by COVID-19 can borrow from $500 to $2,500 with a two-year term, with the option to hold off on repayments for the first 90 days.
    • Reduced payments. BECU can reduce the monthly cost of personal, auto, home, boat and RV loans, as well as credit cards.
    • 800-233-2328
    • Dial extension 7353 for personal loans
    Learn more
    BMO Bank
    • Payment deferrals. Credit card, auto and personal loan, mortgages and home equity loan payments may be deferred for up to three months.
    • Checking and savings accounts. Fee waivers for up to two months as of March 31, 2020.
    • CDs. No early withdrawal fees.

    BMO Bank paused repossession actions for consumers and small business loans secured by real estate by BMO. Relief options will not affect customers’ credit scores.

    800-888-8586Learn more
    Capital OneHardship assistance available case by case. Potential assistance varies by product and can include:

    • Minimum payment assistance
    • Loan deferment
    • Reduced fees
    877-383-4802Learn more
    CBC Federal Credit Union
    • Emergency loans. CBC FCU is offering 5% APR loans up to $3,000 with 12-month terms. You can defer payments for the first 45 days, and no collateral is required.
    • Free skip a payment. Skip a payment on auto, personal, RV or motorcycle loans with no fee or impact on your credit score — even if you’ve already skipped a payment within the past year.
    • No late fees. CBC FCU is waiving late fees on loan payments if you call the hardship assistance line.

    Additional hardship assistance is available on a case-by-case basis.

    • 805-351-8552
    • Dial extension 1633 for hardship assistance
    Learn more
    ChaseHardship assistance available case by case. Chase may offer the following assistance soon:

    • Fee waivers or refunds
    • Emergency credit lines
    • Changed due dates
    877-242-7372Learn more
    CitibankCredit card assistance:

    • Increased credit limits
    • Forbearance

    Retail bank assistance:

    • Waived monthly service fee
    • Waived early withdrawal fee on CDs

      Mortgage customers should reach out for assistance options.

      • Credit card and banking customers: Call the number on your credit card or statement
      • Mortgage customers: 855-839-6253
      Learn more
      Citizens Bank
      • Payment assistance. Up to three months of payment assistance on auto, credit cards, home equity lines of credit, home equity loans, mortgages and student loans.
      • Fee waivers. Late and overdraft fees are waived. Service charges will be reversed.
      • CDs. No early withdrawal fees.

      Citizens Bank is also temporarily suspending new repossessions and foreclosures for 60 days.

      • Checking, savings, and CD customers: 800-922-9999
      • Auto customers: 800-708-6682
      • Credit card customers: 800-684-2222
      • Home loan customers: 800-234-6002
      Learn more
      Commerce Bank
      • Loans. Deferred payments for eligible customers.
      • Credit cards. Late fee waivers and refunds, payment skips and new permanent payment plans available.
      • CDs. May have early withdrawal fees waived.
      • Mortgages. Temporary forbearance available as either reduced or suspended payments.
      • Fees. Customers can request refunds for overdraft and out-of-network ATM fees.

      Existing customers may be able to take out an installment loan with a deferred first payment and a fixed interest rate.

      833-518-3458Learn more
      County Bank
      • Insurance. Its network of more than 100 companies will work with customers to change due dates or payment plans, defer payments, waive late fees and may offer payment extensions.
      864-942-1524 or 800-726-8689Learn more
      CVNB BankCVNB is letting customers skip a payment on loans and with the CVNB Mastercard Skip-A-Pay program, developing individual payment plans and offering low-interest lines of credit.800-999-3126Learn more
      Discover BankHardship assistance available on a case-by-case basis.
      • Online banking customers: 800-347-7000
      • Credit card customers: 800-497-2816
      • Personal loan customers: 877-256-2632
      • Home loan customers: 855-295-2193
      • Student loan customers: 800-788-3368
      Learn more
      Fifth Third BankDelayed payment programs for the following products:

      • Car loans. Defer repayments for up to 90 days with no fees.
      • Credit cards. Defer up to 3 credit card payments with no late fees.
      • Mortgages and home equity loans. Go into forbearance for 90 days with no fees.

      Additional support:

      • Fee waivers for a variety of consumer and business deposit products for 90 days.
      • Suspended repossessions on any vehicles in the next 60 days.
      • Suspended foreclosures on any homes in the next 60 days.
      800-972-3030Learn more
      First Citizens BankHardship assistance available on a case-by-case basis.888-323-4732Learn more
      First Commonwealth Bank
      • Loans. Fees waivers and loan payment deferrals for three months on home loans, indirect auto loans, installment loans and personal loans.
      • Credit cards. Fee waivers and payment deferrals for three months.
      • Deposit accounts. Fee waivers and refunds for customers that contact First Commonwealth Bank.

      First Commonwealth Bank is also temporarily suspending new repossessions and foreclosures until further notice.

      800-711-2265Learn more
      First State BankFirst State Bank is providing relief on a case-by-case basis, which might include:

      • Waived overdraft, stop pay and wire fees.
      • Waived early withdrawal fees on CDs
      402-697-5599Learn more
      Five Star BankFive Star Bank is providing these relief programs through May 31, 2020.

      • Fees. Waived overdraft and returned item, pay-by-phone and all late fees.
      • Loans. Payment relief plans for mortgages, home equity loans and home equity lines of credit.
      • Deferred payments. Payment deferrals for unsecured and secured loans and lines of credit.
      • CDs. Waived early withdrawal fees on withdrawals of up to $20,000.
      877-226-5578Learn more
      Fulton Bank
      • Loans. Payments temporarily deferred.
      • Mortgages. Temporary forbearance for six months.
      • Fees. Late fees temporarily suspended.
      • Credit cards. Fee relief through Elan Financial Services.
      • CDs. One early withdrawal fee waiver per customer.

      Fulton Bank is also offering a credit card and an unsecured line of credit with 0% APR introductory periods.

      800-385-8664Learn more
      Gesa Credit Union
      • Low- or no-interest personal loans. Gesa is offering inexpensive personal loans to cover bills for individuals affected by the outbreak, with details available on a case-by-case basis.
      • Free skip a payment. Skip your payments for up to 90 days on loans and 30 days on credit cards for no fee or impact to your credit.
      888-946-4372Learn more
      Horicon Bank
      • Credit cards. Two minimum payments can be skipped. Finance charges still accrue on skipped payments.
      • Loans. Late fees are suspended for April and May.
      • Mortgages. Payments can be deferred for up to three months.

      Horicon Bank is also temporarily suspending new repossessions and foreclosures for 60 days.

      888-343-3040Learn more
      Huntington Bank
      • Consumer loans. Defer payments for up to three months. Interest will continue to accrue, but terms can be modified. Late fees suspended for March, April and May.

      Huntington Bank is also temporarily suspending new repossessions and foreclosures through May.

      • General customers: 800-480-2265
      • Credit card customers: 800-372-7725
      • Personal and auto loan customers: 866-480-2234
      • Home loan customers: 800-323-9865
      Learn more
      Key Bank
      • Payment deferrals. Customers can request deferred payments for auto loans, home loans and lines of credit, credit cards and personal loans and lines of credit.
      • Checking and savings accounts. Certain service charges will be waived.
      • New Temporary Assistance Loans. Unsecured loans with an APR of 3% to existing eligible customers.

      Key Bank is also temporarily suspending new repossessions and foreclosures.

      800-539-2968Learn more
      Liberty Bank
      • Checking and savings accounts. Fee waivers available to customers who contact Liberty Bank. Overdraft line of credit APR reduced to 0% for the next three months.
      • Credit cards. Fees waived for late payments, over limit transactions and rush card requests.
      • Loans. Deferred payments and other assistance available.
      • CDs. Waived early withdrawal fees for three months.
      • General and credit card customers: 888-570-0773
      • Loan customers: 800-932-5776
      Learn more
      Midwest One Bank
      • Credit cards. Skip a payment without penalty. Finance charges still accrue on skipped payments.
      • Payment extensions. Up to 30 days for eligible loans and lines of credit.
      • CDs. One withdrawal of up to $20,000 without early withdrawal fees.
      • Loans. Hardship assistance loans of up to $5,000 available.
      • Lines of credit. Low introductory rates on home equity lines of credit.

      Midwest One Bank is also temporarily suspending new repossessions and foreclosures through May.

      800-247-4418Learn more
      M&T Bank
      • Fees. Deposit and loan accounts may have fees waived. M&T ATM transaction fees will be waived through June 11.
      • CDs. Waived early withdrawal fees through June 11.

      Additional hardship assistance is available on a case-by-case basis.

      800-724-2440Learn more
      Navy Federal Credit Union
      • Emergency loans. Navy FCU is offering emergency loans on a case-by-case basis.
      • Personal loans. Payment deferrals and extensions.
      • Credit cards. Payment deferrals, extensions and increased credit limits.
      • Student loans. Payment assistance available on a case-by-case basis.
      • CDs. Waived early withdrawal fees.
      • Checking accounts. Overdraft protection available three ways.
      • Cashier’s checks and debit cards. Free overnight shipping.
      • Money transfers. Waived Western Union transfer fees and free transfers with the app Zelle.
      • General customers: 888-842-6328
      • Student loans: 877-304-9302
      Learn more
      NBT Bank
      • Mobile banking. Mobile deposit and ATM withdrawal limits temporarily increased.
      • Loans. Deferred payments and personal loan relief programs available upon request.
      • CDs. Waived early withdrawal fees on withdrawals of up to $20,000.
      888-235-2881Learn more
      North Easton Savings Bank
      • Loan payments. Payment relief options available for personal loans and mortgages, including skipping a payment or making an interest-only payment.
      • New loans. Hardship assistance loans of up to $5,000 with a 0% six-month introductory APR are available to existing customers. An APR of 3.99% to 4.99% applies for the remaining three years of the term.

      Additional hardship assistance available on a case-by-case basis.

      • General customers: 508-238-2007
      • Loan customers: 508-297-8072
      Learn more
      Northfield Bank
      • Checking and savings accounts. Waived minimum balance charges and no fees for using out-of-network ATMs.
      • Loans and mortgages. Waived late charges for three months from April 2020. Additional hardship assistance considered on a case-by-case basis.
      • Money orders and cashiers checks. Waived fees.
      • CDs. Waived early withdrawal fees.
      • 833-301-6325
      • Dial extension 2642 for a loan specialist
      Learn more
      OceanFirst Bank
      • Mortgages. Forbearance for up to three months available to eligible customers.

      Additional hardship assistance available on a case-by-case basis.

      • 888-623-2633
      • Dial extension 7714 for mortgages
      Learn more
      Old Point National Bank
      • Debit cards. Increased daily spending limits.
      • Payment deferrals. Auto loans, credit cards, home loans and mortgages and personal loans may be eligible for deferred payments.
      • CDs. Waived early withdrawal fees.

      Old Point is also temporarily suspending new foreclosures.

      757-728-1290Learn more
      Olympia Federal Savings
      • Deposit accounts. Waived overdraft, early withdrawal, PopMoney and TransferNow fees.
      • Loans. Payment relief available in the form of deferred payments, loan modifications, interest-only payments and waived late fees.
      360-754-3400 or 800-865-3470Learn more
      ORNL Federal Credit UnionPandemic State of Emergency Assistance Loan Program:

      • Loan amounts based on income
      • 0% APR for the first 6 months, 3% APR for remainder of term
      • Maximum term of 48 months
      • Payment deferral for first 90 days

      You must be an ORNL FCU member for at least 90 days and meet other requirements to qualify.

      865-688-9555 or 800-676-5328Learn more
      PNC BankHardship assistance available on a case-by-case basis.888-762-2265Learn more
      Regions Bank
      • Loans. Deferment and payment extensions with no late fees.
      • Credit cards. Payment extensions with no late fees.
      • Mortgages. Forbearance and payment deferment for 90 days.
      • CDs, savings and money market accounts. Waived withdrawal fees.

      Deposit account fee waivers are available based on customer need. Regions Bank will not conduct any new repossessions of vehicles or foreclosures on consumer real estate loans for 30 days from March 20, 2020.

      866-298-1113Learn more
      Ridgewood Savings Bank
      • Fees. Waived all overdraft fees, ATM and debit card fees.
      • Credit cards. Suspended late fees on missed payments due on or before May 31, 2020.
      • Mortgages. Cenlar FSB is providing hardship assistance programs.
      • CDs. Waived early withdrawal fees.
      • New loans. Secured, interest-free loans for up to $10,000 are available to existing customers. Terms are up to one year.

      Additional hardship assistance is available on a case-by-case basis.

      • General customer service: 718-240-4778
      • Credit card customers: 855-401-4743
      • Mortgage customers: 855-752-8461
      Learn more
      Santander BankCar loan assistance:

      • Current car loans. Payment deferrals, waived late fees and lease extensions if you can’t return your vehicle.
      • New Chrysler Capital loans. 0% APR for 84 months with a 90-day grace period on select 2019 and 2020 Fiat Chrysler Automobile models.

      Additional customers assistance:

      • Payment extension, deferral or suspensions
      • Waived overdraft fees
      • Late fee refunds
      • Waived CD early withdrawal fees
      • Increased ATM withdrawal limits
      • Increased credit card limits
      844-728-0999Learn more
      Sunflower BankEligible customers can skip a payment without penalty before May 31, 2020. Finance charges still accrue on skipped payments.800-552-2432Learn more
      Synovus
      • Mobile deposits. Increased daily limits.
      • Credit cards. Line increases available to eligible customers. Negative credit reporting to the bureaus is suspended for up to three months.

      Additional hardship assistance is available on a case-by-case basis.

      888-796-6887Learn more
      TD BankFinancial assistance is available on a case-by-case basis.888-751-9000Learn more
      Truist

      (Formerly BB&T and SunTrust)

      • Payment assistance relief. Available on mortgages, personal loans and credit cards.
      • Waived ATM fees. Available to business and consumer customers.
      • Increased cash back. BB&T and SunTrust credit cardholders get 5% cash back on qualifying grocery and pharmacy purchases until April 15, 2020.
      • Former BB&T clients: 800-226-5228
      • Former SunTrust clients: 800-786-8787
      Learn more
      Umpqua Bank
      • ATMs. Waived ATM fees.
      • Loans. Deferred payments available for up to three months. All associated fees are waived.

      Additional hardship assistance is available on a case-by-case basis.

      • COVID-19 response line: 833-898-0979
      • Personal loan customers: 800-621-1970
      • Mortgage customers: 866-743-4931
      Learn more
      U.S. BankHardship assistance available on a case-by-case basis. U.S. Bank also offers discounted loans to consumers and businesses.

      Discounted personal loans:

      • Simple Loan. Borrow $100 to $1,000 at a reduced price of $6 per $100 borrowed, paid back over 3 months.
      • Personal Loan. Borrow $1,000 to $4,999 at 2.99% APR with terms up to 4 years.
        888-287-7817Learn more
        USAAValley Bank is offering hardship assistance on a case-by-case basis.800-522-4100Learn more
        Valley Bank
        • Credit cards. Up to three months of deferred payments on eligible accounts.
        • Loans and mortgages. Payment extensions of up to two months on eligible products, including home equity lines of credit.
        • Annuities. Waived surrender fee on withdrawals of up to 10% of the accumulated value.

        Additional hardship assistance is available on a case-by-case basis.

        • General customers: 855-764-4617
        • Mortgage customers: 855-430-8489
        • Home equity line of credit customers: 800-531-0832
        Learn more
        WesBancoWesbanco is offering hardship assistance on a case-by-case basis. It is also temporarily suspending new foreclosures.800-654-6288Learn more
        Wells FargoWells Fargo is offering payment deferrals, fee waivers and other assistance on the following products:

        • Personal loans
        • Business loans
        • Credit cards
        • Car loans
        • Mortgages and home equity loans

        Wells Fargo will not report past-due statuses to consumer reporting agencies. It is also temporarily suspending new foreclosures.

        800-219-9739Learn more

        What is forbearance?

        Forbearance is a hardship solution that allows you to pause your credit card or loan repayments without facing penalties or damage to your credit score. But it should be used as a last resort. That’s because interest continues to add up while you’re in forbearance.

        Lenders typically add interest that accumulates during forbearance to your balance, meaning you’ll pay interest on interest. You also often don’t get an extension on your term, resulting in higher monthly repayments.

        You can learn more about the cost of deferring repayments during COVID-19 with our guide.

        Lenders offering personal loan financial assistance

        Our table below is a small sample of lenders — not a definitive list. To ensure your finances stay stable while you’re unable to work during the coronavirus outbreak, check with your lenders to see if skipping a payment is possible.

        LenderAssistanceCustomer service helpline
        Marcus by Goldman Sachs
        • Working with borrowers to handle late payments
        • Zero late fees
        844-627-2871Apply now
        LightStreamPayment relief assistance provided by Truist877-820-2103Apply now
        SofiOffering assistance on a case-by-case basis855-456-7634Apply now
        Barclays
        • Can postpone payments and extend loan term
        • Zero late fees
        866-951-1416
        PNC BankOffering assistance on a case-by-case basis888-762-2265
        Santander BankOffering assistance on a case-by-case basis888-222-4227
        Wells FargoOffering assistance on a case-by-case basis888-667-5250

        How do I apply for financial assistance?

        The application process depends on your bank or credit union and the type of financial assistance you want to apply for. Generally, you’ll need to follow these steps:

        1. Find your account information. Have your account number on hand before you get started.
        2. Contact customer service. Call the number on your statement or the coronavirus assistance line to speak with a representative. Banks are experiencing a high volume of customer calls, so be prepared for a long wait.
        3. Provide any additional information. Some banks might want information about your financial situation and could request documents to back it up, especially if it’s offering aid on a case-by-case basis.

        In some cases, you might have to fill out an online application, especially if you’re applying for a loan. After you sign up, make note of the day your repayments start up again if you qualify for deferment or forbearance.

        What if I don’t qualify for assistance from my bank?

        If you’re having a hard time getting your credit card or personal loan payments deferred by your lender, you still have options. Taking out a new credit card with a 0% APR introductory period can help you cover expenses in the short term without paying interest. Or consider taking out a line of credit — which gives you continual access to a credit line you can pull from as you need.

        You can learn more with our guide to managing your finances during the COVID-19 outbreak.

        Financial assistance available by state

        Aside from banks, credit unions and lenders, many state governments are offering financial assistance to residents struggling to cover bills during the pandemic.

        StateResources
        AlabamaAlabama updated a few of its programs to help those affected by the coronavirus.

        • Unemployment benefits. You may be eligible for unemployment if your employer has shut down or is unable to offer your normal hours. Additionally, you can file for unemployment if you are under mandatory quarantine or have a confirmed case of COVID-19.
        • Families First Coronavirus Response Act. The Families First Act is effective April 2, 2020. It states that employers must provide paid leave under an extension of Family and Medical Leave Act for up to 12 weeks at two-thirds the normal pay rate. Employers must also provide emergency paid sick leave at either your normal pay rate or two-thirds, depending on the reason you’re out of work. Read the full Families First Act to see if you qualify.
        • Relief for taxpayers. Due to the state of emergency declared by Governor Ivey, residents of Alabama have been given extensions on their state tax payments as well as waived penalties for certain types of tax liabilities.
        AlaskaWhile Alaska is still developing a plan for residents and businesses affected by the coronavirus, it has expanded its unemployment benefits. If you’ve lost your job or your hours are reduced because of the COVID-19 outbreak, you may qualify for unemployment. The Alaska Department of Labor has a large list of FAQs to help you understand your eligibility.

        In addition, there’s a mandatory 14-day quarantine period to help reduce the spread of the virus for those who have traveled outside of Alaska — either between states or internationally.

        ArizonaWhile you may be eligible for unemployment and won’t have to pay your state income tax until July, as of March 23, there are no special relief programs for those affected by the coronavirus.

        • Unemployment benefits. Residents that are underemployed or unemployed due to the coronavirus can qualify for benefits. Benefits can be applied retroactively to hardships after March 11. You can learn more on the Arizona Department of Economic Security website.
        • Tax deadline extension. Following the extension of federal taxes, the Arizona Department of Revenue set the new deadline for filing and paying state income taxes for July 15, 2020.
        ArkansasArkansas has not made many moves to help those affected by the coronavirus, but you can check for updates on the Arkansas State Government website to see if any new programs or services become available.

        • Unemployment. On March 17, the one-week waiting period for unemployment benefits has been waived for individuals who have become unemployed due to the coronavirus. Work-search requirements have also been waived for 30 days, and you can apply for benefits online or over the phone.
        CaliforniaCalifornia’s Employment Development Department offers resources for those affected by the coronavirus.

        • Paid family leave. If you’re the primary caregiver for a sick or quarantined family member officially diagnosed with COVID-19, you may be eligible for up to six weeks of benefits for lost wages. Benefits range from $50 to $1,300 a week — or 60% to 70% of normal wages.
        • Unemployment benefits. If you’re temporarily out of work because of a company closure or reduction of hours, you may qualify for benefits. By executive order from the state governor, the one-week unpaid waiting period is waived. Benefits range from $40 to $450 a week.
        ColoradoYou may be eligible for paid sick leave and unemployment benefits as well as pay for hours worked as a resident of Colorado.

        • Paid sick leave. Workers with flu-like symptoms who are waiting for test results for COVID-19 may be eligible for up to four days of paid sick leave. You must be employed in select industries to qualify.
        • Unemployment benefits. If you work for an employer that closed or reduced hours due to the coronavirus, you can file claim through the Colorado Department of Labor and Employment (CDLE).
        • Wage claims. If your employer hasn’t paid you for time worked, you can file a claim to recover lost wages.

        See the CDLE’s page on the coronavirus for more information on how to file a claim and who qualifies for these programs.

        ConnecticutOn Connecticut’s official state website, you’ll find COVID-19 resources for employers, families, schools and travelers.

        • Unemployment benefits. As of March 19, work search requirements are waived for claims. To apply, ask your employer for a separation package and complete your unemployment claim on the Connecticut Department of Labor’s website.
        • SharedWork program. If your employer has reduced your hours because of the outbreak, the Department of Labor’s SharedWork program can supplement lost hours with partial unemployment benefits.
        • Postponed evictions and foreclosures. The State of Connecticut Judicial Branch has postponed all foreclosures scheduled to have occurred in April or May to Saturday, June 6, 2020 and all issued executions on evictions and ejectments have been stayed through May 1, 2020.
        DelawareAs of March 24, all non-essential businesses in the state of Delaware are closed. If you need financial support, there are a few programs that could help you and your family:

        • Student meal programs. Schools throughout Delaware continue to provide meals for students, but not all meal sites are open each day. The Delaware Department of Education has a list of student nutrition sites you can search to find one near you.
        • Evictions and fees postponed. During this state of emergency, landlords and mortgage companies are unable to pursue or proceed with eviction or foreclosures. In addition, utility service companies are not allowed to terminate service or charge late payment fees.
        • Unemployment benefits. Like many states, Delaware has removed its one-week waiting period and work-search requirements for people seeking benefits during the coronavirus outbreak. You can apply for unemployment online.
        FloridaFlorida has a website dedicated to information about COVID-19. It includes a list of public services and resources available to residents, including:

        • Child Care Food Program (CCFP). Schools in Florida are offering meals at no cost to students during the coronavirus outbreak. You can browse participating CCFP providers in your area through the Florida Department of Health.
        • Reemployment Assistance. You may be eligible for temporary wage replacement if you are unable to work because of job closures or official quarantine. You may also qualify if you are caring for an immediate family member diagnosed with the coronavirus.
        GeorgiaThe Georgia Department of Labor (DOL) doesn’t yet offer resources for workers. To receive unemployment compensation, your employer must file a partial claim on behalf of its employees. If your employer hasn’t done this, contact the DOL for more information on next steps.

        However, state governments are adapting new policies to help fight the economic effects of the coronavirus. To stay updated, check the Georgia DOL unemployment page for more information.

        HawaiiStarting March 25, workers in non-essential fields are required to stay at home until April 30. In addition, there are some programs to help Hawaiians who are out of work because of the coronavirus.

        • Tax deadline extension. The deadline for filing and paying individual income tax has been extended to July 20, 2020.
        • Unemployment benefits. If you aren’t being paid by your employer after it closes or your hours have been cut due to the coronavirus, you may be eligible to apply for unemployment benefits. Like many states, the seven-day waiting period is waived.
        • Temporary disability insurance. If you are unable to work or are quarantined but your employer is still open, you may be eligible for benefits. To apply, contact your employer and ask about its TDI carrier. The seven-day waiting period for disability is still in place.
        • Workers’ compensation. If you’re infected with the coronavirus because of your job, you may be eligible for workers’ compensation. To qualify, you must prove that your job duties have directly caused your illness. Workers’ compensation has a three-day waiting period.
        • Hawaii Family Leave Law (HFLL). If you work for an employer with 100 or more employees, you may be eligible for up to four weeks of unpaid leave to care for a family member.

        Keep in mind that there is also a mandatory 14-day quarantine period for anyone flying into Hawaii to help reduce the spread of the coronavirus.

        IdahoGovernor Little announced a statewide 21-day stay-at-home order on March 25. Idaho has a page of information about the coronavirus and has opened unemployment benefits up for people who can’t work during the COVID-19 crisis.

        • Unemployment benefits. If your workplace has temporarily or permanently closed because of the coronavirus, you may be eligible to apply for benefits. But unlike other states, Idaho still requires that you must either be looking for work or able to return to work within 16 weeks.

        In addition, you may be eligible for other assistance programs throughout the state of Idaho.

        IllinoisThe Illinois Department of Employment Security (IDES) adopted emergency rules for those affected by COVID-19. If you’re temporarily unemployed because of the coronavirus or are caring for a family member officially diagnosed with COVID-19, you may qualify for unemployment through IDES.

        You can learn more about the coronavirus and unemployment benefit offered by Illinois on the IDES website.

        IndianaOn March 23, 2020, Indiana governor Eric Holcomb issued an order that all Indiana residents must stay at home unless working an essential job or performing an essential activity. If you can’t work during this time due to the coronavirus — you may qualify for a few of Indiana’s programs.

        • Filing and payment extensions. Following the federal extension, Indiana tax returns and payments are now due on July 15, 2020. If you’re on a payment plan but can’t make your regular payment, contact the Indiana Department of Revenue. And don’t worry — tax refunds are still being processed at a normal rate.
        • Unemployment benefits. You can file for benefits online if you have been laid off by your employer or your employer has temporarily had to shut down during the COVID-19 outbreak. You may also be eligible if you are quarantined by a medical professional or are caring for a child while schools and daycares are closed.
        • Child care assistance. If you need child care, contact Brighter Futures Indiana for help finding and paying for assistance. Start by finding your local Child Care Resource and Referral Agency.

        Other assistance programs — such as SNAP, TANF and Medicaid — and housing assistance may be available. Indiana has a helpful PDF of resources for those affected by the coronavirus.

        IowaIowans can explore COVID-19 updates and resources on the Iowa state website.

        • Unemployment benefits. Individuals unable to work as a result of COVID-19, including those who are sick, immunocompromised, quarantined, caring for a sick family member or caring for out-of-school children may qualify for unemployment. However, individuals must exhaust all paid time off, vacation and sick leave available through their employer before they apply.
        • School meal services. Iowa schools have been permitted to activate summer meal programs to provide free meals to low-income children during the coronavirus outbreak. For the full list of participating schools, check the Iowa Department of Education’s website.
        KansasKansas is offering unemployment benefits to those unemployed due to COVID-19. The benefit offers $122 to $488 weekly, for a maximum of 16 weeks. File applications online at Get Kansas Benefits, with video tutorials to help guide individuals through the process on the Kansas Department of Labor’s website.

        The Kansas Department of Health and Environment has also compiled a COVID-19 resource center for individuals and businesses.

        KentuckyKentucky has a dedicated website with state-specific information about the coronavirus, including resources available to its residents. However, it’s only updated its unemployment insurance policy in response to the coronavirus. You may be eligible to file for benefits if you are unemployed or have had your hours cut because of the coronavirus outbreak.

        If you are struggling financially, you may also be eligible for other state benefits like WIC or Medicaid.

        LouisianaThe Louisiana Workforce Commission has recently allowed workers affected by the coronavirus to file a claim for unemployment benefits. It’s also waiving the waiting period for workers seeking benefits due to COVID-19.
        MaineAs of March 24, all non-essential businesses in Maine are closed until April 8, 2020. Check the governor’s office page dedicated to Maine’s COVID-19 response, for updates.

        • Unemployment benefits. Maine waived its one-week waiting period and work-search requirement until May 14, 2020 for people who are unemployed due to COVID-19. The Maine Department of Labor’s unemployment guide to answer questions related to COVID-19. Apply for benefits through its online portal.
        • My Maine Connection. Apply for state benefits through My Maine Connection. These include healthcare, cash assistance and Maine’s Child Care Subsidy program.
        • Short-term loans. The Financial Authority of Maine has agreed to guarantee short-term loans of up to $5,000 to individuals experiencing a loss of income due to COVID-19. Apply for loans through local banks and credit unions. If you qualify, you could get one loan monthly for up to three months.

        For more information on how Maine is responding to the coronavirus, visit Maine 211 for referrals and program details.

        MarylandAs of March 23, Governor Hogan has enacted an emergency order that closes all non-essential businesses throughout the state. Resources that are available to help if you’re temporarily out of work because of the coronavirus include:

        • Maryland Health Connection. If you are uninsured, the Maryland Health Connection has reopened enrollment in response to the coronavirus. Open enrollment is available from March 16 to April 15. Coverage begins April 1, 2020. Visit the Maryland Health Connection COVID-19 page for more information on how to sign up.
        • Free meals for students and children. Maryland schools and other agencies are offering free meals to students. Use this PDF to the nearest meal center.
        • Senior Call Check Program. Maryland offers free calls to check up and verify the well-being of Marylanders over the age of 65. To learn more and register, call 866-502-4235 or visit the Senior Call Check website.
        • Sick and Safe Leave. All Maryland employers with 15 or more employees are required to provide paid sick leave to their employees. For residents who are quarantined, Maryland recommends you exhaust your sick leave before turning to unemployment.
        • Unemployment benefits. If your employer has temporarily closed due to the coronavirus or you have been medically quarantined, you may be eligible for benefits.

        There are also a number of other resources and volunteer opportunities for Maryland residents who need help or want to help their community.

        MassachusettsMassachusetts has created a list of COVID-19 guidance and directives to help affected residents.

        • Unemployment benefits. If your employer closed due to the coronavirus, you may be eligible for benefits without the one-week waiting period.
        • Health insurance. The Massachusetts Department of Public Health requires all insurers to cover testing and treatment of COVID-19 without copays or coinsurance. In addition, members of MassHealth may be eligible for additional benefits if they experienced a loss of wages due to the coronavirus.
        MichiganOn March 23, Governor Whitmer signed the Stay Home, Stay Safe executive order temporarily closing non-essential businesses. It requires Michigan residents to stay home unless attending an essential activity. Michigan has made changes to its programs to help those who are out of work or financially strained during the coronavirus outbreak.

        • Unemployment benefits. Benefits are extended to self-employed and low-wage workers not previously eligible. Benefits for all workers have also increased to $600 a week for up to four months. File for unemployment and learn more information on the Michigan Department of Labor and Economic Opportunity website.
        • MI Bridges. Gives residents access to a variety of state benefit programs, including food and cash assistance and healthcare coverage. Explore local resources and manage your ongoing cases online or through a mobile app. If you’ve been affected financially by the coronavirus, consider applying.
        • Summer Food Service Program. The Michigan Department of Education has opened its free summer meal program early for families. View your local food service sites to find out hours and directions.
        • Healthy Michigan Plan (HMP). Those not enrolled in Medicaid or Medicare may qualify for the Healthy Michigan Plan. This allows adults with an income 133% under the federal poverty level to access healthcare coverage. You can apply through MI Bridges.

        For more information, visit Michigan’s COVID-19 response page.

        MinnesotaChanges to Minnesota’s unemployment and sick leave regulations can help those facing lost wages as a result of COVID-19:

        • Unemployment benefits. Under an executive order by Governor Tim Walz, the non-payable waiting week for benefits are waived. Work search requirements still apply but applicants need to look for work that doesn’t pose a risk to their health or the health of others.
        • Workers’ compensation. If you contracted COVID-19 while on the job, you may be eligible for workers’ compensation benefits.
        • Sick leave. Employee protections on behalf of the Minnesota Department of Labor and Industry stipulate that employers that allow you to take time off for illness must also allow you to take time off to care for an unwell child, spouse, parent, grandparent, stepparent or parent-in-law.
        MississippiMississippi has a few resources in place for those affected by the coronavirus:

        • Unemployment benefits. Mississippi residents who are unemployed or underemployed due to the coronavirus may be eligible for benefits. The waiting period and work search requirements are waived.
        • Tax extension. The deadline to file and pay 2019 Mississippi income tax has been extended to May 15, 2020.

        If you feel you may be sick with the coronavirus, check Mississippi’s updated list of testing sites and contact to make an appointment.

        MissouriMissouri has not expanded many of its normal state programs, but if you are experiencing financial difficulty because of the coronavirus, you may qualify for:

        • Unemployment benefits. If you’re permanently or temporarily unemployed because of the coronavirus, you may be eligible for benefits. Note that as of March 30, 2020, Missouri still requires a one-week waiting period — but plans to waive it. To apply for benefits, visit the UInteract online application.
        • Food stamp benefits. Missouri is extending certification periods for six months and is removing the work requirements for adults without dependents until the end of the federal emergency COVID-19 declaration. All eligible households receive the maximum benefit amount. Visit the myDSS website to learn more and apply for Food Stamps or SNAP benefits.

        For up-to-date information, you can visit the Missouri Department of Health COVID-19 page.

        MontanaGovernor Bullock issued a stay at home directive on March 26 and a 14-day quarantine for anyone entering the state for travel not related to work. Stay up to date by following the official Montana COVID-19 resource page. As of March 30, only its unemployment benefits is updated. If your employer has shut down, cut your hours or laid you off because of the coronavirus, you may be eligible for benefits. Learn more and file a claim on the Montana Department of Labor and Industry website.
        NebraskaNebraska hasn’t issued many changes to its current system, but benefits are still available for residents facing economic difficulty during the COVID-19 outbreak. Stay up to date with information by following the official Nebraska page on the coronavirus.

        The Nebraska Department of Revenue has extended the deadline to file state income taxes to July 15, 2020. And while Nebraska hasn’t updated the process for unemployment benefits, you can still file for benefits online if you are out of work because of the coronavirus.

        NevadaNevada has taken some steps toward helping its community in the wake of the COVID-19 outbreak.

        • Unemployment benefits. If you’re not working or your hours are reduced because of the coronavirus, you may be eligible for unemployment. To see if you qualify and what you’ll need to apply, visit the Nevada Department of Employment, Training and Rehabilitation website.
        • No copay for testing. Health insurers governed by the Nevada Division of Insurance are prohibited from charging an out-of-pocket cost to test for COVID-19. Insurers are also prohibited from charging for a vaccine if one becomes available.
        New HampshireOn March 27, all residents of New Hampshire are required to stay at home unless working an essential job or performing an essential activity. If you are experiencing financial difficulty because of the coronavirus, look into these state resources:

        • Prohibition on disconnecting utilities. During the coronavirus outbreak, providers of electricity, gas, water, telephone service, cable, internet and deliverable fuels are not allowed to disconnect or discontinue service or charge a late fee for nonpayment.
        • Suspension of evictions and foreclosures. Orders and proceedings are suspended for the duration of the COVID-19 crisis.
        • Unemployment benefits. New Hampshire has waived the waiting period to apply for unemployment benefits for anyone temporarily or permanently unemployed because of COVID-19. Self-employed workers diagnosed, or caring for a diagnosed person, may also be eligible for benefits. Learn how to file for benefits through the New Hampshire Employment Security website.

        To stay updated, visit the official New Hampshire page on COVID-19.

        New JerseyNew Jersey offers comprehensive resources for those affected by the coronavirus through the New Jersey Department of Labor (NJDOL). Some of the programs offered include:

        • Earned sick leave. New Jersey law requires all employers to offer up to 40 hours of earned sick leave to full-time, part-time and temporary employees. Use your earned sick leave first if you or a loved one test positive for COVID-19.
        • Temporary disability insurance. If your earned sick leave runs out, you may be able to file for disability for the duration you expect to be out of work.
        • Workers’ compensation. If your job required waiting on or working with someone who had the coronavirus and you contracted it, you may be eligible for workers’ compensation.
        • Unemployment benefits. If your regular work hours have been reduced or cut, you may be eligible for benefits.
        New MexicoAs of Tuesday, March 24, a stay-at-home order is in effect for all New Mexico residents, and requires non-essential businesses to close. Review a list of essential businesses that remain open on the New Mexico Department of Health’s website. Here are the government resources available to help financially:

        • Unemployment benefits. If your hours are reduced or you’re following the stay-at-home order, file a claim on the New Mexico Workforce Connection website. Work-search requirements for workers impacted by the outbreak are waived for up to four weeks.
        • Suspended evictions. The Supreme Court of New Mexico has issued an order suspending all evictions for those unable to pay rent during the COVID-19 health crisis.
        • Utility support. PNM, El Paso Electric, Xcel Energy, New Mexico Gas Company and Zia Natural Gas Company have agreed to temporarily suspend disconnections due to nonpayment during the coronavirus outbreak.
        • Telecommunications support. Verizon, Comcast, AT&T and CenturyLink are offering a variety of resources for individuals and small businesses, including waiving late fees, suspending service terminations, suspending data usage limits and free Wi-Fi hotspots.
        • Extended tax deadline. New Mexico taxpayers now have until July 15, 2020 to file and pay their taxes.
        • Meals for kids. Schools across New Mexico are offering free meals to enrolled students. For a full list of participating schools, check New Mexico’s state website.
        New YorkNew York is set to put more protections in place for those affected by COVID-19.

        • Paid sick leave. In a new bill that passed through the state legislature, employers are now required to provide job protection, paid family leave and short-term disability benefits for the duration of their quarantine.
        • Unemployment benefits. The state waives its seven-day waiting period to file a claim for those affected by the coronavirus. Visit the state’s instructions for filing a claim to get started.
        North CarolinaWith a stay at home order issued March 30, many North Carolinians may find themselves struggling financially. Resources available to residents across the state include:

        • Unemployment benefits. If you are temporarily or permanently out of work because of the coronavirus outbreak, you may be eligible for unemployment. North Carolina has waived its one-week waiting period and work-search requirement. Apply for unemployment on the North Carolina Department of Commerce website.
        • Child care hotline. Critical and essential workers can find information about child care options for children up to 12 years old. The hotline is open weekdays from 8 a.m. to 5 p.m. ET. The number is 888-600-1685.
        • Food and nutrition services (FNS) benefits increase. If you qualify for FNS, you’ll receive the maximum benefit for March and April 2020. You can apply for food assistance online through the Department of Health and Human Services.
        • Free meal sites. To find the nearest free meal site for school-age children, text FOODNC to 877-877, (text COMIDA for Spanish). Call 211 or view an interactive map by No Kid Hungry NC.
        • Tax filing deadline extension. North Carolina announced that it’s extended the deadline to file individual tax returns to July 15, 2020. You may also be eligible to file for free.

        For more information, you can call 211 or visit the official North Carolina COVID-19 page.

        North DakotaNorth Dakota has introduced a few measures to help those financially impacted by the coronavirus:

        • Unemployment benefits. The work-search requirements and one-week waiting period are suspended for people unemployed due to the coronavirus.
        • Tax deadline extension. Following the federal extension, file and pay taxes by July 15, 2020. You won’t pay interest on taxes filed before this new deadline. You can file a claim on the North Dakota Job Service website.
        • Worker’s Compensation. Health care workers diagnosed with COVID-19 may be eligible for worker’s compensation if exposed during the course of their work. This includes up to 14 days of wage replacement and medical coverage if quarantined.

        Visit the official North Dakota COVID-19 resources page for more information and frequent updates.

        OhioLearn more about Ohio’s resources for economic support on the Ohio Department of Health’s website.

        • Unemployment benefits. If a medical professional or employer tells you to quarantine or you’ve been laid off as a result of coronavirus-related business shutdowns, you may be eligible for benefits.
        • SharedWork program. If your employer cuts your hours, you may qualify for SharedWork Ohio benefits.
        • Healthcare coverage. Employees remain eligible for healthcare coverage through their employers, even if their hours are reduced. Health insurance premiums may also be deferred up to 60 calendar days from each original premium’s due date.
        • Nutrition programs. Some schools are offering meals for children ages 1 to 18 as part of the Seamless Summer Option or Summer Food Service Program.
        • Waived internet late fees. As part of Ohio’s Keep Americans Connected pledge, a growing number of service providers have agreed to waive late fees, provide Wi-Fi hotspots and continue service to any resident or small business that fail to pay. For the full list of participating providers, check this news release from Governor DeWine.
        OklahomaState Governor Kevin Stitt has issued a safer-at-home order that’s in effect until April 30, 2020. Residents shouldn’t leave their homes except to complete essential errands, like grocery shopping. To review COVID-19 guidelines for individuals and businesses, visit the Oklahoma State Department of Health’s website.

        Individuals out of work as a result of COVID-19 can file for unemployment benefits online or by phone. Standard waiting period and work-search requirements are waived.

        OregonOregon has created a dedicated webpage for coronavirus information and resources.

        • Unemployment benefits. Those laid off during the coronavirus outbreak are eligible to receive UI benefits without seeking new work by staying in contact with their employers and being available for work when called back. You could be eligible for benefits if you’re quarantined or sick with COVID-19.
        • Free meals for kids. Children between the ages of 1 and 18 are eligible for free meals from schools with Partners for a Hunger-Free Oregon meal plans. For all participating schools, check the list on Partners for a Hunger-Free Oregon.
        • Free internet. Charter, Comcast and Internet Essentials are offering 60 days of free service to new customers.
        • Waived late fees. Pacific Power, Portland General Electric and Idaho Power are waiving late fees and suspending service disconnections for their customers in light of COVID-19.
        PennsylvaniaExplore resources for individuals, businesses, families and schools on Pennsylvania’s COVID-19 resource guide.

        • Unemployment benefits. The waiting week, work search and work registration requirements have been waived for all applicants to help support those unable to work because of COVID-19.
        • Workers’ compensation. If you’ve been exposed to COVID-19 at work, you can apply for compensation by asking your employer to file a disease-as-injury claim or occupational disease claim.
        • Utility shutdown suspension. Chairman of the Pennsylvania Utility Commission signed an emergency order suspending the termination of the following public utilities: electricity, natural gas, water, wastewater, telecommunications and steam.
        • Personal income tax deadline extension. The deadline for Pennsylvanians to file their 2019 personal income tax returns has been extended to July 15, 2020.
        • Meals for students. Despite state-wide closures, Pennsylvania schools are permitted to continue serving free meals to low-income students through the National School Lunch Program, Seamless Summer Option and Summer Food Service Program.
        Rhode IslandRhode Island provides robust support to its residents experiencing financial difficulty during the national emergency and stay-at-home order active until April 13.

          • Special enrollment period for HealthSource RI. A new enrollment period is open until April 15 for Rhode Island residents without health insurance coverage. Financial assistance may also be available.
          • Tax extension deadline. The new deadline to file and pay state income tax is July 15, 2020.
          • Unemployment benefits. If your work shuts down, reduces your hours or lays you off, you may be eligible for benefits. Benefits are extended for those that need to care for children while school is out of session. To learn more and apply, visit the Rhode Island Department of Labor and Training website.
          • Temporary disability insurance. If you or a family member are diagnosed with COVID-19 or are under quarantine, you may be eligible for disability. It waives the seven-day waiting period to file for TDI for all cases related to the coronavirus.
          • Increase to SNAP benefits. Rhode Island will give all households enrolled in the SNAP program the maximum monthly benefit for March and April. In addition, the recertification period is extended to May 2020.
          • Grab-and-go meals. Rhode Island has opened sites for children under 18 years old to receive a free meal. Some sites may require that the child be enrolled in the school district. To find your closest program, The Rhode Island Department of Health listed meal sites across the state.
          • Partnership with Care.com. To help increase childcare access to residents who still need to work during the COVID-19 crisis, Rhode Island has partnered with Care.com to provide 90 days of free access to the website. Residents are encouraged to apply to be caregivers to extend additional help to frontline workers.
          • New health benefits. Temporary benefits for the coronavirus are now required for many health insurance plans issued in Rhode Island. This includes more access to telemedicine services, early refills for prescriptions, free COVID-19 screening and easier access to treatment. The Office of the Health Insurance Commissioner (OHIC) has a PDF guide to the covered plans and services.
          • Suspension of Medicaid terminations. During the national emergency, Rhode Island has suspended terminations and income verification for Medicaid.
          • Free Wi-Fi. If you have a smartphone and cell phone service from either Verizon, AT&T, T-Mobile or Sprint, you can activate your Wi-Fi hotspot for free until May 13. There are no activation, usage or overage fees.

        For more information, visit the Rhode Island Department of Health official COVID-19 page.

        South CarolinaResource guides on the South Carolina Department of Health and Environmental Control website are available, but the government has yet to roll out robust financial resources. Those facing unemployment because of the coronavirus outbreak can apply for benefits. Step-by-step instructions on the claims process and eligibility criteria is outlined on the Department of Employment and Workforce website.
        South DakotaOn March 23, 2020, Governor Noem issued a state of emergency. Schools remain closed until May 1, 2020, residents are urged to stay home to slow the spread of COVID-19 and gatherings of 10 or more people are prohibited. Health guidelines, child care resources, business support and re-employment information is available on the South Dakota state website.

        Those out of work or facing reduced hours as a result of the coronavirus outbreak can apply for reemployment assistance benefits online or by phone. The program’s nonpaid waiting week and work-search requirements remain in effect. South Dakota’s Department of Labor and Regulation plans to update its website with information about the Pandemic Unemployment Assistance program once more information is released about the COVID-19 stimulus bill.

        TennesseeThe Office of the Governor has created a page covering updates to the spread of the coronavirus throughout the state. In addition, there are a few programs that may be available to residents of Tennessee:

        • Unemployment benefits. Tennessee has fast-tracked its unemployment system to help workers during the COVID-19 crisis. If you are out of work because your place of employment is out of business or temporarily closed, you can file for benefits at Jobs4TN.gov.
        • TennCare. As of March 20, Tennessee hasn’t changed its TennCare eligibility criteria. However, it does have information about the coronavirus for residents currently enrolled in the TennCare program.
        • Emergency cash assistance. If you were employed on March 11 but have since lost your job or at least 50% of your earned income, you may be eligible for emergency cash assistance — up to $1,000 for households with five or more people.
        TexasState Governor Abbott encourages Texas residents to practice social distancing. Gatherings of 10 or more people are prohibited and schools remain closed until May 4, 2020. Report price gouging by calling the Consumer Protection Division of the Office of the Attorney General at 800-621-0508. COVID-19 information and state agency resources are listed on the Texas state website.

        UtahThe Stay Safe, Stay Home directive isn’t a shelter in place order, but it may make it difficult for people who are struggling with their finances. Fortunately, Utah has a few resources in place to make things easier:

        • Tax deadline extension. Following the national extension, Utah state income tax won’t need to be filed or paid until July 15, 2020.
        • Continued school meals. While there is no set system in place yet, schools are required to provide meals to students even while schools are closed. Check with your local school district to discuss your child’s meal options.
        • One Utah Child Care. Helps essential workers care for their children with a resource to find available child care providers. For those who are still working but don’t qualify as essential workers, child care programs are available with state-mandated safety protocols to reduce transmission risk.
        • Unemployment benefits. Utah encourages residents who are sick or unable to work because of the coronavirus to apply for benefits. The Utah Department of Workforce Services has more information on the application process and other programs you might qualify for.

        The Utah Leads Together Plan is designed to help individuals and businesses recover financially, so check Utah’s official COVID-19 page for updates.

        VermontWhile there is a stay at home order until April 15, Vermont hasn’t issued updates or plans for residents who have been financially impacted by the coronavirus. However, check for updates on Vermont’s official COVID-19 page.

        • Potential grace period for insurance premiums. While not required, Vermont has requested that insurers offer a grace period for late or missed payments during the coronavirus outbreak.
        • Unemployment benefits. You may be eligible for benefits if your business has temporarily or permanently shut down, if your hours have been reduced or if you are sick or caring for a sick family member. The Vermont Department of Labor offers guidelines and tips for those seeking unemployment.
        VirginiaVirginia has issued a stay at home order effective until April 23, 2020 to help combat the spread of the coronavirus. For residents facing financial difficulty, Virginia has changed a few of its programs:

        • Medicaid improvements. Virginia has eliminated all copays for services covered by Medicaid, including treatment for COVID-19. It has also expanded its telehealth services, waived preapproval requirements for critical medical services and extended the paperwork deadline to prevent loss of coverage.
        • Free meal programs. Virginia schools are providing food for children across the state through the Summer Food Service Program or the Seamless Summer Option. Check with your school district to find free meals for your children.
        • Unemployment benefits. Virginia has waived the one-week waiting period for those out of work because of the coronavirus. Qualifying for benefits is easier and includes coverage if you aren’t receiving paid or sick leave or if you need to stay home to care for an ill family member. To file a claim, visit the Virginia Employment Commission website.
        • Utility disconnection suspended. Electricity, natural gas and water companies must suspend disconnections for at least 60 days to provide relief to customers affected by the coronavirus.
        • Tax deadline extension. The new filing and payment deadline for individual income tax is June 1, 2020.

        The Virginia Department of Social Services has more resources for families impacted by the COVID-19 outbreak.

        WashingtonWashington’s Employment Security Department created a helpful brochure of COVID-19 scenarios and benefits to help you determine resources you might be eligible for.

        • Paid family and medical leave. If you’re sick with COVID-19 or taking care of a family member who is, you may be eligible for family or medical leave through Washington State. You may also be eligible if your child’s school is closed for any health-related reason.
        • Unemployment benefits. If you’re a full- or part-time worker and your employer has temporarily or permanently shut down due to the coronavirus outbreak, you may be eligible for benefits without the one-week waiting period.
        • Ban on evictions. As of March 18th, Governor Jay Inslee has placed a moratorium on evictions for Washington residents who are unable to pay rent.
        • Less expensive public utilities. The governor has also suspended shutoffs for public utilities and has instructed utility companies to waive late fees and expand bill assistance for those out of work due to the coronavirus.
        • More flexible tax collections. The Washington Department of Revenue may be able to waive penalties and interest on late tax payments as well as work on payment plans for individuals facing dire economic circumstances.
        • Family Emergency Assistance Program. As part of the expansion of statewide help, the Family Emergency Assistance Program has also been expanded to include families without children. To see if you qualify, visit the Washington Department of Social Health and Services website.
        Washington DCWashington, DC is under a stay-at-home order and has a number of resources available to residents of our nation’s capital:

        • Unemployment benefits. You may be eligible for compensation if you can’t work because of sickness, quarantine, a lay off or reduced hours. File a claim with DCWorks.
        • Workers’ compensation. If you were exposed to the coronavirus at work and have been quarantined or are sick, you may qualify for workers’ compensation. Speak with your employer to get started.
        • Tax deadline extension. To match the federal extension, the deadline to file and pay taxes for DC has been moved to July 15, 2020.
        • Family medical leave. The one-year and 1,000-hours-work requirements are waived if you’re ordered or recommended to quarantine.
        • Free meal sites. To help students who are out of school access food, DC has compiled a list of meal sites that will serve anyone younger than 18.
        • Expanded WIC approved food list. As of April 1, DC WIC has expanded its approved food list to account for shortages caused by the COVID-19 outbreak.

        For more information and to stay updated on the situation, visit the Washington D.C. page covering COVID-19.

        West VirginiaAlthough there is a stay-at-home order for West Virginia residents, there aren’t many programs available for residents facing financial difficulty because of the coronavirus. Parents can find a local feeding site for students. Residents out of work or have had their hours reduced may be eligible for unemployment benefits offered by the state.

        Check the official West Virginia page on the coronavirus for updates and additional information.

        WisconsinWisconsin hasn’t updated most of its normal services, but if you’re facing a hard financial situation because of the coronavirus, you can take advantage of these changes:

        • Unemployment benefits. As of March 30, there is still a one-week waiting period before you are eligible to receive benefits. However, You are no longer required to search for work while on unemployment. If you can’t work because you’ve been laid off or your employer has shut down, you can file for benefits through the Wisconsin Department of Workforce Development.
        • Tax deadline extension. Following the federal extension, Wisconsin has set its new deadline for filing and paying state income tax to July 15, 2020.

        For more help and state resources, visit Wisconsin’s official COVID-19 page.

        WyomingState-level COVID-19 task forces in healthcare, education, business, finance and transportation are managing Wyoming’s response to the outbreak. Schools and non-essential businesses are closed and gatherings of more than 10 people are prohibited. COVID-19 resources are available on the Wyoming state website.

        • Unemployment benefits. Individuals facing reduced hours or temporary layoffs as a result of COVID-19 can apply for benefits on the Wyoming Department of Workforce Services website.
        • Temporary assistance for needy families (TANF). Eligible families with children under 18 that meet income and resource requirements may qualify for monthly cash assistance from $232 to $697 from Wyoming’s TANF program.
        • School meals. The Wyoming Hunger Initiative has partnered with the Wyoming Department of Education to offer meals to children at participating schools across the state.
        • Delayed driver’s license renewals. A 90-day grace period has been granted to residents holding driver’s licenses and ID cards expiring between March 15, 2020 and June 1, 2020. Late fees are waived when you renew.

        Financial assistance from utility companies

        A number of utility, phone and Internet companies are waiving late fees and suspending service disconnections during the coronavirus outbreak. This includes:

        • AT&T
        • Atlanta Gas Light
        • Atlantic Broadband
        • Comcast
        • Con Edison
        • Dominion Energy
        • Duke Energy
        • Georgia Power
        • Green Mountain Power
        • National Grid
        • Northern Indiana Public Service Company
        • NV Energy
        • Pacific Gas & Electric Co
        • SE&G
        • Southern California Edison
        • Verizon

        Comcast and Charter Communications are also offering 60 days of free basic Internet for new customers, and Pacific Gas & Electric has flexible payment plans for those affected by COVID-19.

        What to do if you can’t pay utilities after the outbreak

        You may qualify for the Low-Income Home Energy Assistance Program. The program offers financial assistance with heating and cooling bills, as well as help with “weatherization,” which involves switching to more energy-efficient sources to lower your utility bills.

        Financial assistance from private organizations

        Some organizations are offering grants and other types of financial assistance to people who are facing hardship due to the coronavirus outbreak. Many of these are available by industry or to high-risk individuals. Funds can run out quickly apply as soon as you can.

        Relief fundOrganizationHow it worksMore information
        American Kidney Fund Coronavirus Emergency FundAmerican Kidney FundKidney patients can apply for a $250 grant to help cover medical costs and other expenses. As of May 1, 2020 funds have run out, but you can sign up for a waiting list.Learn more
        Another Round, Another Rally (ARAR) Emergency AssistanceARARHospitality workers who either lost their jobs or have had hours reduced due to the coronavirus outbreak can apply for this $500 grant. Applications are on pause as of May 1, 2020, but may open up in the future.Learn more
        Apron Inc. Financial Hardship AssistanceApron Inc.Restaurant workers who have been employed for at least 6 months in the Louisville, Kentucky area can apply for grants up to $500 to cover bills. Apron Inc. pays your bills for you, rather than giving you the funds directly.Learn more
        Bartender Emergency Assistance ProgramUnited States Bartenders Guild (USBG) National Charity FoundationBartenders who have worked in the field for at least a year and their immediate family can apply for grants from $150 to $500. You don’t need to be a USBG member to apply.Learn more
        Coronavirus Care FundNational Domestic Workers Alliance (NDWA)Nannies, home care workers and house cleaners can apply for this $400 grant. As of May 1, 2020, funding is only available to members of the NDWA and affiliate organizations. But it may open to all domestic workers in the future.Learn more
        Door Dash COVID-19 Financial Assistance ProgramDoor DashDoor Dash delivery workers can qualify for up to 2 weeks of financial assistance. You must meet the following requirements:

        • Active on the platform for at least 60 days
        • Make 30 deliveries in the past 30 days
        • Either have COVID-19, have a house mate COVID-19 or be at risk
        Learn more
        Freelancers Relief FundFreelancers UnionFreelancers can apply for up to $1,000 in assistance if they’ve seen a 50% drop in income due to the outbreak. Applications are closed as of May 1, 2020, but might open in the future.Learn more
        Free Speech Coalition (FSC) Emergency FundFSCActors and crew working in the adult entertainment industry can apply for grants up to $300 to cover costs if they have lost work. You can use to cover basic living expenses like groceries and gas.Learn more
        Healthwell Foundation COVID-19 Ancillary FundHealthwell FoundationThis grant covers costs associated with food delivery, medication, transportation, telehealth and diagnostics for individuals who have to stay indoors. You must be one of the following to qualify:

        • Healthcare worker or physician
        • Diagnosed with COVID-19
        • Housemate of someone diagnosed with COVID-19
        • Recommended to self-quarantine
        • Member of a high-risk group
        • House mate of a member of a high-risk group
        • Resident of an area with a high rate of COVID-19
        Learn more
        Help A Library Out (HALO) Fund Every Library InstituteLibrary workers who have lost their jobs or seen reduced hours due to the outbreak can apply for grants up to $250. Applications were suspended on April 23, 2020 but will likely reopen.Learn more
        It Takes A Village Emergency FundParenting JourneyParents and families who participate in Parenting Journey parenting groups can apply for assistance to cover essential costs. Applications are closed as of May 1, 2020, but you can sign up for its waiting listLearn more
        Leukemia and Lymphoma Society (LLS) COVID-19 PATIENT FINANCIAL AID PROGRAMLLSLeukemia and Lymphoma patients can apply for a $250 stipend to cover nonmedical expenses, like groceries and transportation.Learn more
        One Fair Wage Emergency FundOne Fair WageOne Fair Wage is offering service and tipped workers like restaurant employees and delivery drivers cash grants to help weather the crisis. It doesn’t disclose how much you’ll receive, though it’s likely based on financial need.Learn more
        Restaurant Strong FundSam Adams and the Greg Hill FoundationSam Adams partnered with the Greg Hill Foundation to offer grants to restaurant workers who have been impacted by the outbreak across 20 states. Applications are closed as of May 1, 2020 while it continues to raise funds.Learn more
        Screen Actors Guild- American Federation of Television and Radio Artists (SAG-AFTRA) COVID-19 ReliefSAG-AFTRAMembers of SAG-AFTRA who are current on their dues can apply for these emergency grants, which are intended to cover two months of basic expenses.Learn more
        Souther Smoke Emergency Relief ProgramSouthern SmokeEmployees of restaurants, bars and their suppliers can apply for a grant through this nonprofit. Grants are awarded on a case-by-case basis, with a priority for applicants with emergency or medical expenses.Learn more
        The Workers FundThe Workers LabGig and low-earning contract workers will be able apply for financial assistance through this program, which is currently raising funds.Learn more

        Unemployment benefits

        If your hours are reduced or you’re temporarily laid off for reasons related to the novel coronavirus, you might be eligible for unemployment benefits. Areas hit particularly hard, like the State of Washington, are expanding their unemployment programs and relaxing rules.

        The Coronavirus Aid, Relief and Economic Security (CARES) Act also expands unemployment benefits to 39 weeks. And the federal government is also offering an extra $600 per week for four months. Plus, it expanded eligibility to workers who don’t normally qualify for unemployment, including freelancers, independent contractors, sole proprietors and self-employed individuals.

        Government checks

        The coronavirus stimulus package also includes one-time checks up to $1,200 for Americans making less than $100,000 based on either your 2019 or 2018 tax return. Payments started arriving in bank accounts the week of April 13, 2020. If you’re not signed up for direct deposit, you might receive a prepaid Visa debit card in the mail with your payment on it instead of a check.

        Find out how much you qualify for and when you can expect to receive your money with our guide to the coronavirus stimulus checks.

        How else can I benefit from the new stimulus package?

        Thanks to the new aid package that recently passed, you may have more access to sick days than you did. But many employers — including Uber, Lyft, Walmart and the State of New York — have expanded their sick day policies anyway so you won’t take a financial hit if you need to self-quarantine for the recommended 14 days.

        Caring for a loved one or need to watch your kids while they’re home from school? You might qualify for paid family leave, depending on the benefits your company offers and your state or local laws.

        Expanded healthcare benefits

        Under the CARES Act, coronavirus testing and preventative care are now covered by all insurance plans, or Medicaid if you’re uninsured. Medicare and some private insurance plans also cover telehealth services, in addition to other medical assistance.

        Plus, some companies like Postmates are offering financial assistance to cover the cost of medical appointments if you need testing for COVID-19.

        Disability insurance

        If you have disability insurance on your own or through your employer, you may be able to file a claim if you can’t work due to COVID-19. It typically replaces between 60% and 80% of your paycheck, depending on the type of insurance you have.

        Mortgage and rent relief

        Also under the CARES Act, you can request forbearance for a total of 360 days on federally backed mortgages. Landlords with federally backed mortgages can’t charge late fees, and you can’t be evicted until July 25, 2020.

        Plus, many private banks and lenders are offering relief to homeowners impacted by the coronavirus pandemic. Find out how to apply for help with our guide to mortgage assistance programs.

        Student loan relief

        Not only did the Department of Education (DoE) waive interest on federal student loans, but it also suspended payments entirely until October 2020. If you have private student loans, reach out to your servicer to find out what your options are — many are offering deferment or forbearance for those affected by the coronavirus outbreak.

        Check out our guide to student loan relief during the COVID-19 pandemic to learn more.

        Insurance premium forgiveness

        Many insurance companies are offering premium forgiveness, delayed payments or postponing canceling policies due to nonpayment. Contact your insurance company to ask about car insurance premium forgiveness due to financial hardship.

        Early access to retirement funds

        Under the CARES Act, you can withdraw up to $100,000 from your IRA or 401(k) with no fee and can now borrow up to $100,000 from your 401(k). There are also no minimum distribution fees on IRAs for the rest of 2020.

        However, this is best saved as a last resort. Consider the risks to borrowing from your retirement account before taking the plunge.

        4 other ways to get help with food and bills

        From visiting local food banks to finding a temporary job if you’ve been furloughed, here are a few more ways to get help with food and bills:

        • Visit local food banks. New York and a growing number of other states are increasing funding for food banks in affected areas to make sure everyone has enough to eat. Contact your local food bank for details.
        • Take advantage of the government’s expanded nutrition benefits. States have started offering food delivery services to elderly residents and individuals with a disability who can’t shop due to social-distancing rules.
        • Look for a temporary job if you’ve been furloughed. Many companies like Fedex, Whole Foods, Walgreens, Instacart and more are hiring thousands of temporary workers nationwide to help keep up with demand during the coronavirus pandemic. Check out our list of 30+ companies hiring right now and find out how to apply.
        • Create a crowdfunding campaign for help with medical bills. Some nonprofit organizations like RIP Medical Debt are using crowdfunding to help people pay off medical debt at a discount, which could offset the cost of coronavirus-related medical bills.

        Bottom line

        From local, state and federal benefits to financial assistance available through private banks and lenders, companies and government agencies alike are teaming up to help Americans weather the coronavirus pandemic. Read up on the latest coronavirus news to stay on top of changing information.

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        2 Responses

        1. Default Gravatar
          RichardMay 27, 2020

          To whom this may concern,

          I was an employee that worked for a mental health organization that would not pay me my 14 day covid leave and I wasn’t sure if I could file a complaint? I’m taking care of my spouse who was a clinical social worker and lost her job due to an undiagnosed condition and was only paid for a small disablility check and was not compensated either with the 14 day covid- leave pay so I am not sure what to do or what we would qualify for? both of our organizations had options to self quaritine but both had us use all of our sick pay, vacation pay and holiday pay if you want to call it that. My holiday pay was suppose to kick in January 1st but did not kick in until a few months later! I am just trying to take care of my spouse. I saw a grant for $250 if you had paid more then $250 for prescriptions for the year and I had paid more then that for the year. I didn’t know if I should file a complaint or talk with my lawyer? We both were not at our jobs long enough for FMLA so any advice would help tremendously! Does anyone have any advice as I started a gofundme fund for her and wasn’t sure if there was anything else I could do? We do not qualify for a personal loan and our credit cards our tapped out. Does anyone have any suggestions or advice? Thank you and God bless!

          • Avatarfinder Customer Care
            RobellynnMay 28, 2020Staff

            Hello Richard,

            Thank you for contacting Finder. Sorry to hear you’re going through such tough times.

            I understand you’re looking for any financial assistance that you can get and receive given all the circumstances that you have stated. If your hours are reduced or you’re temporarily laid off for reasons related to the novel coronavirus, you might be eligible for unemployment benefits.

            The coronavirus stimulus package also includes one-time checks up to $1,200 for Americans making less than $100,000 based on either your 2019 or 2018 tax return. Payments started arriving in bank accounts the week of April 13, 2020. If you’re not signed up for direct deposit, you might receive a prepaid Visa debit card in the mail with your payment on it instead of a check.

            Find out how much you qualify for and when you can expect to receive your money with our guide to the coronavirus stimulus checks.

            Since you are taking care of your spouse, you might qualify for paid family leave, depending on the benefits your company offers and your state or local laws.

            Hope this helps. Should you have further questions or clarifications, please do not hesitate to contact us again.

            Best Regards,
            Robyn

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