WBON COVID-19 resources

Vetted, verified information for women business owners, from women business owners. We are focusing on information for self-employed, micro-business, or small business employers in every sector. We will update this page continuously and recommend you bookmark and visit it periodically to get the most current and relevant information.

Please note that sharing information from a non-government source does not imply legal advice, financial counsel, or endorsement by WBON. If you have reviewed this information and still have questions, please contact info@wbon.org so we can connect you with a WBON member who has volunteered to help.

New information is in red.  Last updated 05/29/2020, 1:49 p.m. EDT

NOTE: On April 24, 2020, the federal government authorized new legislation to provide additional funding for the SBA’s Paycheck Protection Program (PPP) and Emergency Impact Disaster Loans (EIDL). If you qualify and believe you might benefit from either program, we encourage you to consider applying as soon as possible. See resources and links below.

Governor Scott announced his proposal for a $400 million Vermont Economic Relief and Recovery package 5/20/20
Agency of Commerce & Community Development (ACCD)
https://accd.vermont.gov/covid-19/vermont-economic-recovery-and-relief-package

Vermont Economic Recovery Relief Package unveiled

Health & Disease Updates
VT Department of Health
https://www.healthvermont.gov/response/infectious-disease/2019-novel-coronavirus

Covid-19 Resource Recovery Center for Business, Individuals & Communities
VT Agency of Commerce & Community Development
https://accd.vermont.gov/covid-19

Small Business Guide to the CARES Act (PDF)
National Association of Women Business Owners (NAWBO)

The Small Business Owner’s Guide to the CARES Act

Guidance for Vermont Businesses
VT Agency of Commerce & Community Development
[Look at left-hand navigation]
https://accd.vermont.gov/covid-19/business

For Employers: VT Dept of Labor
VT Department of Labor
https://labor.vermont.gov/covid19

For Small Businesses: SBDC
VT Small Business Development Center
https://www.vtsbdc.org/coronavirus/

CDC Guidance for Businesses and Employers
US Centers for Disease Control
https://www.cdc.gov/coronavirus/2019-ncov/community/guidance-business-response.html

Small Business Loans
US Small Business Administration – Vermont District Office
https://www.sba.gov/offices/district/vt/montpelier

Payroll Protection Plan (PPP) loan Q&A (PDF)
US Small Business Administration
SBA IFR 2_1_PPP

Payroll Protection Plan (PPP) loan application (PDF)
US Small Business Administration (Note that your lender may use a variation.)
PPP Borrower Application Form_SBA

Business and personal loans for existing VFCU members
Vermont Federal Credit Union
www.vermontfederal.org

Business and personal loans for new & existing NCFCU members
North Country Federal Credit Union
https://mailchi.mp/northcountry/covid-19-update-2603686

Initial unemployment claim (Vermont)
VT Unemployment
https://vermont.force.com/DOLClaim/s/

Change to alphabetized structure for unemployment claims and calls, as of 4/12/20
VT Unemployment
https://labor.vermont.gov/alphabetized-structure-information


INFORMATION FOR SELF-EMPLOYED AND INDEPENDENT CONTRACTORS, as of 4/17/20
PANDEMIC UNEMPLOYMENT ASSISTANCE HOTLINE ESTABLISHED FOR UPDATES FOR SELF-EMPLOYED
PUA Line:  (877) 660-7782
VT Department of Labor
https://labor.vermont.gov/CARESact_Vermont/SelfEmployed

Updated Process and Application for PUA, PANDEMIC UNEMPLOYMENT ASSISTANCE, for Self-Employed and Contractors, as of 4/24/20
https://labor.vermont.gov/PUA

“Safe harbor” announcement on PPP loans under $2 million  5/14/20
Small Business Administration (SBA), Journal of Accountancy
https://www.journalofaccountancy.com/news/2020/may/sba-safe-harbor-for-ppp-loans-under-2-million.html

Guide to help small businesses and self-employed individuals prepare to file for a PPP loan
U.S. Chamber of Commerce [PDF]

Independent Contractor’s Guide to Cares Act Relief: PPP, EIDL, Unemployment
U.S. Chamber of Commerce [PDF]

SBA and Treasury release PPP Loan Forgiveness Application [PDF]
SBA form and instructions released 5/15/20
3245-0407 SBA Form 3508 PPP Forgiveness Application

Guidance for Businesses and Employers
VT Agency of Commerce & Community Development
https://accd.vermont.gov/about-us/disaster-planning/covid-19-guidance-vermont-businesses

Family First coronavirus relief bill: small employers
U.S. Treasury, IRS and Labor
https://www.irs.gov/newsroom/treasury-irs-and-labor-announce-plan-to-implement-coronavirus-related-paid-leave-for-workers-and-tax-credits-for-small-and-midsize-businesses-to-swiftly-recover-the-cost-of-providing-coronavirus

Family First coronavirus relief bill: small employers
MarketWatch (summary in everyday language)
https://www.marketwatch.com/story/what-the-family-first-coronavirus-relief-bill-means-for-small-business-owners-and-self-employed-people-2020-03-21

VBSR Covid-19 Webinar Series
Vermont Businesses for Social Responsibility
https://vbsr.org/vbsr-resources/planning-preparing-for-covid-19/

Family First coronavirus relief bill: self-employed individuals
U.S. Treasury, IRS and Labor
https://www.irs.gov/newsroom/treasury-irs-and-labor-announce-plan

Family First coronavirus relief bill: self-employed individuals
MarketWatch (summary in everyday language)
https://www.marketwatch.com/story/what-the-family-first-coronavirus-relief-bill-means-for-small-business-owners-and-self-employed-people-2020-03-21

How to pause your federal student loans, other financial counsel for individuals
NYT: Your Money Hub for Help During the Coronavirus Crisis
https://www.nytimes.com/article/coronavirus-money-unemployment.html#link-3c2b8d5f

COVID-19 Guidance for Employers  (podcast)
ADP HRpreneur podcast episode, March 17, 2020
https://podcasts.apple.com/us/podcast/covid-19-guidance-for-employers/id1451358989?i=1000468706871

COVID-19 FAQs & Resources for Employers (ADP)
ADP COVID-19 Resources for Small Business Employers (comprehensive & updated regularly)
https://sbshrs.adpinfo.com/covid19-faqs

Public buildings with open WiFi access: Interactive map
Vt Dept. of Public Service
https://bit.ly/VThotspots

EEOC updated Guidance for Employers on discrimination or harassment based on COVID-19
Equal Employment Opportunity Commission (EEOC)
https://www.eeoc.gov/facts/pandemic_flu.html

Coronavirus Update for Vermont Employers & HR Professionals: Answers to 7 FAQs
Primmer Piper Eggleston & Cramer PC
https://www.primmer.com/news-and-events/covid-19-faq

Emergency Family Medical Leave Act for New York & Vermont Employers (PDF)
Helpful decision tree flowchart model
Plattsburgh Chamber + Stafford Owens, PLC
FMLA Expansion Act_updated_NY

Navigating Uncertain Times Together: An Online ‘Brain Trust’ with Women Business Owners to Connect, Problem-Solve, & Inform
Center for Women’s Enterprise (CWE)
https://www.eventbrite.com/e/cwevt-women-entrepreneurs-business-brain-trust-tickets-100323508314

Fact-checker for coronavirus information
PolitiFact, the Poynter Institute’s nonprofit fact-checking organization, has a website dedicated to confirming and debunking coronavirus information spread by government officials, text messages and social media.
https://www.politifact.com/

IRS: Filing and Payment Deadlines Questions and Answers
Internal Revenue Service (IRS)
https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answers

Small Business Loans for COVID-19: PPP (ADP) Updated 4/7/20
ADP on IRS changes made 4/6/20 that affect Protect Payroll Program SBA loan applications
https://www.adp.com/contact-us/customer-service/paycheck-protection-program.aspx

FAQs about the SBA Payroll Protection Program (aka PPP) 4/24/20
KeyBank
NOTE: Independent Contractors, Sole Proprietors, or Self-Employed individuals ARE eligible
https://www.key.com/small-business/promo/stimulus.jsp#faq

ECONOMIC DEVELOPMENT DIRECTORY
Directory provides links to critical local resources including: EDA regional office contacts, state government contacts, and EDD, TAAC, RLF, University Centers, and Tribal planning organization sites.
U.S. Department of Commerce
https://www.eda.gov/resources/

Covid-19 Resources for the Cooperative Business Community (English & Spanish)
Webinars for co-op businesses regarding safety, employment law, managing cash flow.
Also support for applying for SBA EIDL loans.
U.S. Federation of Worker Cooperatives
https://www.usworker.coop/covid-19/

RESOURCES FOR REOPENING YOUR WORKPLACE

Mandatory safety training with documentation required for every employee before reopening workplace, 4/27/20
Vt. Dept. of Labor
https://labor.vermont.gov/VOSHA

Restart Vermont: Update to Work Safe Resources, 05/29/20
VT Agency of Commerce & Community Development
https://accd.vermont.gov/news/update-new-work-safe-additions-stay-home-stay-safe-order

Reopening your business as COVID-19 restrictions ease
ADP HR{preneur} podcast (packs lots into 12 minutes of Q&A with attorney)
https://hrpreneur.podbean.com/e/reopening-your-business-as-covid-19-restrictions-ease/

Guidance for Specific Industries
U.S. Dept. of Labor, OSHA
https://www.osha.gov/SLTC/covid-19/controlprevention.html#interim

Workplaces Decision Tool & Webinars by Sector
Centers for Disease Control (CDC)
https://www.cdc.gov/coronavirus/2019-ncov/community/organizations/businesses-employers.html