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Federal CARES ACT Benefits Summary

Last Updated Thursday, April 30th, 4:16pm

ALL NEW YORKERS

MAY QUALIFY FOR: One-Time Stimulus Cash Payments of $1,200 for adults and $500 per child under 17

Who is Eligible?

People whose income is less than $75,000 for individuals, $112,500 for heads of households, or $150,00 for joint filers qualify for the full payments. After those thresholds, benefits phase out incrementally, up to a full phase-out at $99,000 for individuals, $146,500 for heads of households, and $198,000 for joint filers.

Who is Not Eligible?

Immigrants without Social Security numbers – and entire “mixed status households” in which any parent or child does not have a Social Security number (with limited exceptions for members of the military)

Children 17 and over claimed as dependent on another person’s tax return, including college students

Elderly and disabled adults who are dependents on another person’s tax return

People who did not file a 2018 or 2019 tax return (though they can file a 2019 return now)

NEW YORKERS WHO LOST THEIR JOBS DUE TO COVID-19

MAY QUALIFY FOR: Pandemic Unemployment Compensation (PUC), of an additional 13 weeks of Unemployment Insurance after they exhaust their 26 weeks of coverage

Pandemic Emergency Unemployment Compensation (PEUC), a $600/week increase in Unemployment Insurance from 4/5/2020 to 7/31/2020

Who is Eligible?

People who lose their jobs involuntarily.

Who is Not Eligible?

Immigrant workers not authorized to work in the U.S.

Visa holders, including H-1B visa holders, when their visa expires

NEW YORKERS WHO HAVE LOST FREELANCE OR PART-TIME INCOME DUE TO COVID-19

MAY QUALIFY FOR: Pandemic Employment Assistance (PUA), unemployment insurance for self-employed, independent contractors, and those with limited work history.

The same 39 weeks of benefits listed above

Who is Eligible?

Freelance workers, gig workers, workers with limited work history

Who is Not Eligible?

Immigrant workers not authorized to work in the U.S.

Visa holders, including H-1B visa holders, when their visa expires

EMPLOYEES UNABLE TO WORK DUE TO ISOLATION ORDER, SELF-QUARANTINE, OR COVID-19 SYMPTOMS

MAY QUALIFY FOR: Families First Coronavirus Response Act: Employee Paid Leave Rights (FFCRA), which provides two weeks of paid sick leave for employees at their regular rate of pay when they are unable to work or telework due to (A) employee being under an isolation order; (B) being advised by a healthcare provider to self-quarantine; or (C) experiencing COVID-19 symptoms and seeking a medical diagnosis.

Who is Eligible?

Most full-time employees who fall into categories (A)-(C) above

Who is Not Eligible?

Employees of companies with more than 500 employees, and possibly of those with less than 50 employees

EMPLOYEES UNABLE TO WORK DUE TO CARING FOR SOMEONE AFFECTED BY COVID-19

MAY QUALIFY FOR: Families First Coronavirus Response Act: Employee Paid Leave (FFCRA) , which provides two weeks of paid sick leave at two-thirds of the employee’s regular rate of pay when they are unable to work or telework because (A) the employee is unable to work due to a need to care for an individual subject to a quarantine, or (B) to care for a minor child whose school or childcare closed or is unavailable for reasons relating to COVID-19

Who is Eligible?

Most full-time employees who fit into categories (A) and (B) above

Who is Not Eligible?

Employees of companies with more than 500 employees, and possibly of those with less than 50 employees

EMPLOYEES WHO ARE UNABLE TO WORK DUE TO NEED TO CARE FOR A CHILD FOR COVID-19 RELATED REASONS

MAY QUALIFY FOR: Expanded Paid Family and Medical Leave, which provides up to an additional 10 weeks of paid leave for employees, at two-third the regular rate of pay, for those unable to work due to a need to care for a child because the school day or day care has closed, or a child care provider is unable, due to COVID-19

Who is Eligible?

Most full-time employees who are unable to work due to a need to care for a child because the school day or day care has closed, or a childcare provider is unable, due to COVID-19

Who is Not Eligible?

Employees of companies with more than 500 employees, and possibly of those with less than 50 employees

Workers caring for non-child family members because of COVID-19, including adult children with disabilities

SELF-EMPLOYED NEW YORKERS UNABLE TO WORK OR CARING FOR CHILDREN FOR COVID-19 REASONS

MAY QUALIFY FOR: COVID-19-Related Tax Credits for Required Paid Leave, which provides tax credits to pay for the same payments available to employees under Families First Coronavirus Response Act: Employee Paid Leave and Expanded Paid Family and Medical Leave

Who is Eligible?

Self-employed individuals who would be eligible for the paid leave under Families First Coronavirus Response Act: Employee Paid Leave and Expanded Paid Family and Medical Leave

Who is Not Eligible?

Workers caring for non-child family members because of COVID-19, including adult children with disabilities

NEW YORKERS WHO NEED COVID-19 TESTING

QUALIFY FOR: Free COVID-19 testing

Who is Eligible?

The CARE Act requires private insurers, Medicare, Medicaid, and CHIP to cover the cost of COVID-19

Who is Not Eligible?

Some immigrants who do not qualify for Medicaid/Medicare

NEW YORKERS WITH STUDENT LOANS

MAY QUALIFY FOR: Federal requirement that all federally held loans must be suspended through September 30, 2020 with no accrual of interest

Who is Eligible?

Individuals with federally held loans

Who is Not Eligible?

Individuals with commercially held FFEL and Perkins loans

NEW YORKERS WITH MORTGAGE PAYMENTS

MAY QUALIFY FOR: A 60-day moratorium on foreclosures of federally backed mortgage loans, and forbearance of up to 180 days for borrowers with federally backed mortgages who have experienced financial hardships due to COVID-19

Who is Eligible?

Individuals with federally backed mortgages

Who is Not Eligible?

Individuals with non-federal mortgages

NEW YORK RENTERS FACING EVICTION

MAY QUALIFY FOR: A new mandate that if a landlord’s mortgage or rental property is insured or assisted by federal agencies, including HUD, the landlord may not evict or charge fees or penalties for 120 days from the day the CARES Act was enacted

Who is Eligible?

Individuals whose landlords have federally assisted mortgages

Who is Not Eligible?

Individuals whose landlords do not receive federal assistance

Last Updated Thursday, April 30th, 4:16pm

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