Financial assistance for people affected by the coronavirus

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

Last updated:

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

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

What financial assistance does the stimulus package offer?

The Coronavirus Aid, Relief and Economic Security (CARES) Act established several financial assistance programs for individuals, including:

  • Government checks. One-time $1,200 checks for Americans making less than $100,000.
  • Expanded unemployment. Unemployment benefits now last 39 weeks. The federal government is also offering an extra $600 per week for four months.
  • Expanded health care. 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.
  • Access to retirement funds. 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.
  • Student loan relief. Federal loan repayments are suspended until October 2020 and current students can get assistance — including emergency financial aid and canceled loans.
  • Mortgage and rent relief. 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.
  • Expanded nutrition benefits. States will start to offer food delivery services to elderly residents and individuals with a disability who can’t shop due to social-distancing rules.

How can I benefit from the new stimulus package?

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, according to Forbes.

BankAssistanceCustomer service helplineWhere to find more info
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 16, 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
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
    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
    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
    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
    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
    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
    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
    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
    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
    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
      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
      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.

      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. 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 Insurance program. 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 Insurance. Unemployment has been extended to residents of Arizona who are unemployed or underemployed due to the coronavirus. 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 insurance (UI). If you’re temporarily out of work because of a company closure or reduction of hours, you may qualify for UI. 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 insurance. If you work for an employer that closed or reduced hours due to the coronavirus, you can file an unemployment 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 insurance. As of March 19, work search requirements are waived for unemployment insurance claims. You can apply for unemployment insurance benefits by asking your employer for a separation package and completing 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 Insurance. Like many states, Delaware has removed its one-week waiting period and work-search requirements for people seeking unemployment 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 Insurance. 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 has been waived.
      • Temporary Disability Insurance (TDI). If you are unable to work or are quarantined but your employer is still open, you may be eligible for TDI. To apply, contact your employer and ask about its TDI carrier. The seven-day waiting period for TDI 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 Insurance. If your workplace has temporarily or permanently closed because of the coronavirus, you may be eligible to apply for unemployment 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.

      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 Insurance. You can file for unemployment 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.

      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 insurance through IDES.

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

      IowaIowans can explore COVID-19 updates and resources on the Iowa state website.
      • Unemployment insurance. Individuals unable to work as a result of COVID-19, including those who are sick, immuno-compromised, quarantined, caring for a sick family member or caring for out-of-school children may qualify for unemployment insurance. 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 insurance 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 unemployment 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 insurance. It’s also waiving the waiting period for workers seeking unemployment benefits due to COVID-19.
      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 Insurance. If your employer has temporarily closed due to the coronavirus or you have been medically quarantined, you may be eligible for unemployment 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 resources. If your employer closed due to the coronavirus, you may be eligible for unemployment 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.
      MinnesotaChanges to Missesota’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 unemployment 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 Insurance. Mississippi residents who are unemployed or underemployed due to the coronavirus may be eligible for unemployment 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.

      NevadaNevada has taken some steps toward helping its community in the wake of the COVID-19 outbreak.
      • Unemployment Insurance. 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 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 insurance. If your regular work hours have been reduced or cut, you may be eligible for reduced unemployment benefits.
      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 insurance. The state waives its seven-day waiting period to file an unemployment insurance claim for those affected by the coronavirus. Visit the state’s instructions for filing a claim to get started.
      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 unemployment insurance 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.
      OregonOregon has created a dedicated webpage for coronavirus information and resources.
      • Unemployment insurance (UI). 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 UI 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 compensation (UC). The waiting week, work search and work registration requirements have been waived for all UC applicants to help support those unable to work because of COVID-19.
      • Workers’ compensation (WC). If you’ve been exposed to COVID-19 at work, you can apply for WC 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.
      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. 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.
      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 unemployment 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.

      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, according to USA Today.

      As of March 16, 2020, the list 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.

      Other financial aid resources

      Consider the following resources if your job, child care or another aspect of your finances has taken a hit since the coronavirus outbreak:

      • Sick leave. 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.
      • Employer assistance. Some companies like Postmates are offering financial assistance to cover the cost of medical appointments if you need testing for COVID-19.
      • 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.
      • Find a temporary job. 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.
      • 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.
      • 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.
      • Paid family leave. 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.
      • Crowdfunded medical debt relief. 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.
      • 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.
      • Your creditors. Even if your creditors aren’t advertising financial assistance, they still might be willing to work with you if you think you might miss a payment or two.
      • Student loan relief. The federal government has waived interest on federal student loans starting March 13, 2020 for the next two months — maybe longer. You can also apply for administrative forbearance to temporarily pause repayments entirely. Check out our guide to student loan relief during the COVID-19 pandemic to learn more.

      Read up on the latest coronavirus news to stay on top of changing information.

      Ask an Expert

      You are about to post a question on finder.com:

      • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
      • finder.com is a financial comparison and information service, not a bank or product provider
      • We cannot provide you with personal advice or recommendations
      • Your answer might already be waiting – check previous questions below to see if yours has already been asked

      Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

      By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

      Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
      Go to site