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From Sheilia Megson, Chief of Staff, Representative David Brock Smith

 

I have been working with the Representative to compile this most recent information on the Federal CARES ACT and the work of the State Legislature's Joint Committee on Coronavirus Response. This is the most extensive compilation of relief for our residents and business community to date.

I'm including a link to it so that it can easily be shared by the business owners themselves.

 

https://content.govdelivery.com/accounts/ORLEG/bulletins/2837074

--

Shelía Megson

Chief of Staff, Representative David Brock Smith

Candidate - Curry County Commissioner

MegsonCurry.com  -  541-373-3372

 

 

 

 

 

 

Press Release

 

Contact: Shelia Megson
Chief of Staff,
503-986-1401
Shelia.Megson@OregonLegislature.gov

FOR IMMEDIATE RELEASE
Thursday, March 26th, 2020

Friends,

I wanted to reach out to you with the most up to date information. I appreciate our Federal Senate Colleagues for their work on the The Coronavirus Aide, Relief, and Economic Security (CARES) ACT that just moved unanimously out of their Senate Chamber and is expected to be voted on tommorrow, March 27th, in the House of Representatives.

I have been on multiple conference calls daily with my State & Federal Colleagues, the Governors Office, State Agencies & Federal Agencies.

I appreciate Congressman Walden's time and efforts on the phone today and for he and his staff supplying some of the information on the CARES ACT below.

I also appreciate Senator Merkley for his time, work and effort in the Senate on this bipartisan legislation and his staffs efforts in supplying some of the information on the CARES ACT below.

Here's the breakdown as best as I have it:


The Coronavirus Aide, Relief, and Economic Security (CARES) ACT

Relief for American Families:

One-time tax rebate check:

  • $1,200 for an individual, $2,400 for a couple, $500 per child.
  • Not reduced for lower income Americans.
  • Reduced for higher income Americans, starting at $75,000 or $150,000 per couple.
  • Phases out completely for individuals with adjusted gross income of $99,000 or $198,000 for couples.

Unemployment Insurance:

Expanded unemployment insurance to cover independent contractors, self-employed, and non-profit employees.


Small Business Assistance

  • $349 billion in forgivable loans through the Paycheck Protection Program, with no personal guarantee or collateral required. See further details below.
  • $10 billion for SBA economic injury disaster loans (EIDL), which provide grants of up to $10,000 or loans of up to $2 million to qualifying small businesses. See further details below.
  • $17 billion for SBA to cover six months of payments for small businesses with existing SBA backed businesses loans. This is six months of total relief from payments for existing and new applicants, though collateral is required. New applicants have six months from the signing of the legislation to apply through SBA’s Lender Match Portal, with six months of relief for both principal and interest.
  • An Employee Retention Tax Credit.
    • - Employee retention tax credit of 50% of wages for each employee, capped at $10,000 in wages.
    • - The tax credit is available to small businesses who do not participate in the Paycheck Protection Program, and businesses of all sizes who had to fully or partially suspend operations at the direction of the government due to the COVID-19 outbreak or have gross receipts that are 50% less than the same quarter the previous year, until they reach 80% of their gross receipts.
    • - This is a refundable payroll tax credit, and the IRS will provide employers with methods to request advance refunds to get the money back faster.

FAQs: The Paycheck Protection Program

Small businesses can receive fully forgivable loans through the newly-created Paycheck Protection Program to address important payroll and operational costs. The federal government has guaranteed these loans, so no personal guarantee or collateral will be required.

FAQs: Eligibility and Application Process

Who can apply?

  • - Small businesses, nonprofits (excluding local affiliates of some national organizations), veterans’ organizations, and tribal businesses with fewer than 500 employees are all eligible to apply.
  • - Any business that employs not more than 500 employees per physical location and is assigned a North American Industry Classification System code beginning with 72 is eligible.
  • - Individuals who operate as sole proprietors, are self-employed, or are independent contractors are also eligible.
    Note: Individuals must submit documentation to demonstrate their eligibility, including payroll tax filings, Forms 1099–MISC, and income and expenses from the sole proprietorship.
  • - Undocumented business owners are not eligible for this relief, but legal permanent residents can apply.

Is my business eligible for the Paycheck Protection Program if I have already had to lay off employees?

  • - Companies that have already laid off employees can hire back the laid off employees and have that payroll expense covered under the Paycheck Protection Program.

How much can I receive?

This forgivable loan is intended to cover eight weeks of payroll and operational costs, based on the sum of:

  • -The average total monthly payments for payroll costs from the prior year before the date the loan was made, multiplied by 2.5.
  • - For seasonal employers, the average total monthly payments for payroll for the 12-week period from February 15, 2019, or March 1, 2019, to June 30, 2019, multiplied by 2.5.
  • - For those small businesses that were not in business from February 15, 2019 to June 30, 2019, the average total monthly payments by the employer for payroll costs incurred during the period beginning on January 1, 2020 and ending on February 29, 2020, multiplied by 2.5.
  • - Plus any outstanding loans made beginning January 31, 2020.

How do I apply?

  • - The federal government has provided a guarantee of these loans to qualified lenders, which includes most banks and established lending institutions that small business owners already work with (the federal government will also reimburse lenders for processing these loan applications).
    Note: Because the federal government has guaranteed these loans, no personal guarantee or collateral will be required.
  • - Applicants will need to make a good faith certification to lenders that:
    • - Uncertain economic conditions require a loan to support ongoing operations;
    • - Funds will be used to retain workers, maintain payroll, make mortgage interest and lease payments and utility payments, and to service existing debt;
    • - No other applications are pending for a loan for the same purpose, and the recipient has not received any loans for this purpose.
      Note: Recipients of economic injury disaster loans between January 31, 2020 and February 15, 2020 may also be recipients of these loans to support payroll obligations.

FAQs: How Paycheck Protection Program Loans Are Forgiven

Recipients of Paycheck Protection Program loans can have their loans forgiven for costs incurred on eligible expenses in the 8 weeks following the origination of their loan. Recipients must submit an application for forgiveness to the lender who originated the loan, with the appropriate documentation.

How much can be forgiven?

  • - All loan proceeds spent on the eligible expenses (see below for a list of eligible expenses) can be 100% forgiven.
  • - The amount of forgiveness will be reduced pro-rata based on the number of full time employees maintained during the outbreak of COVID-19, compared to the number of employees maintained between February 15, 2019 and June 30, 2019; or between January 1, 2020 and February 29, 2020, or for seasonal employers, the average number of full-time equivalent employees per month from February 15, 2019 and June 30, 2019.
  • -The amount of forgiveness will also be reduced by the amount of any salary reductions that are greater than 25% of the total salary or wages of that employee, prior to the COVID-19 outbreak.

What are eligible expenses?

Eligible expenses to be forgiven include:

  • Payroll costs.
    Note: Employers with tipped employees may receive reimbursement for additional wages paid to those employees during the outbreak.
  • Costs related to health care benefits and insurance premiums.
  • Employee salaries, commissions or compensations.
  • Interest payments on mortgages (funding shall not go towards the principal).
  • Rent.
  • Utilities.
  • Interest on other outstanding debt obligations (incurred before the COVID outbreak, which began on February 15, 2020).

Are there any limitations on these eligible expenses?

  • Eligible payroll costs are capped at salaries over $100,000 per employee.
  • Paycheck Protection Program loan forgiveness cannot be used to cover paid time off or paid sick leave. Separate credits to cover these expenses have been provided in the Families First Coronavirus Response Act.

Can I use the Paycheck Protection Program to help refinance existing loans?

  • A loan made between January 31, 2020 and February 15, 2020 may be refinanced as part of these covered loans.

FAQs-Paid Leave Through the Families First Act

Following the passage of the Families First Coronavirus Response Act, businesses with fewer than 500 employees are eligible to be reimbursed for paid sick leave and child caregiving leave that they provide to their employees in response to this crisis.

How much paid time off can be covered, and what type of paid time off is eligible?

Under this program, employees are eligible for—and employers can be reimbursed for—paid time off up to:

  • Two weeks (up to 80 hours) of paid sick leave at the employee’s regular rate of pay (up to $511 per day/$5,110 total) where the employee is unable to work because the employee is quarantined or experiencing COVID-19 symptoms and seeking a medical assistance;

OR

  • Two weeks (up to 80 hours) of paid sick leave at two-thirds the employee’s regular rate of pay (up to $200 per day/$2,000 total) because the employee is unable to work because they need to care for an individual subject to quarantine, or to care for a child whose school or child care provider is closed or unavailable because of COVID-19.

What if two weeks of leave is not enough?

This program can also provide for up to an additional 10 weeks of paid leave at two-thirds the employee’s regular rate of pay (up to $200 per day/$10,000 total) where an employee, who has been employed for at least 30 calendar days, is unable to work because they must care for a child whose school or child care provider is closed or unavailable for reasons related to COVID-19.

Who is eligible?

  • -Employees at companies with fewer than 500 employees.
  • -Local, state, and federal government employees.
  • -Union members employed under a multi-employer plan.
  • -Contractors are eligible.
  • -Nonprofits are eligible.

How will it work for eligible employers to be reimbursed for these costs?

  • -Employers initially front the cost of emergency paid sick leave, but will be fully reimbursed by the federal government within three months.
  • -The reimbursement will cover both the wages paid and the employer’s contribution to employee health insurance premiums during the period of leave.
  • -Employers will be reimbursed through a refundable tax credit that counts against employers’ payroll tax, which all employers pay regardless of non-profit/for-profit status.
  • -Employers and self-employed individuals will submit emergency paid sick leave or child caregiving expenses as part of their estimated quarterly tax payments. If employer’s costs more than offset their tax liability, they will get a refund from the IRS.
  • -More information will be available from the IRS soon on how employers can start the application process for these credits.

FAQs – Small Business Administration Assistance

The Small Business Administration (SBA) is also making assistance available to small businesses to weather the coronavirus crisis.

What programs are available through SBA to support small businesses?

  • - Small businesses and private non-profits can apply for disaster grants of up to $10,000 and disaster loans of up to $2 million in states, including Oregon, where a coronavirus disaster has been recognized by the SBA.

How do SBA grants work?

  • - Small businesses and private non-profits can receive a grant of up to $10,000, within three days of applying, to support their operating costs.
    • Note: Small businesses who receive this SBA assistance can still apply for Paycheck Protection, but can’t be forgiven for that $10,000 because that would be considered double dipping.

What are the terms of SBA disaster loans?

  • - These loans, capped at $2 million, carry an interest rate of 3.75% for small businesses and 2.75% for non-profits. The interest rate will not exceed 4% and the loan term is not to exceed 30 years.

How can I apply and what else do I need to know?

Further information and directions for applying online can be found on the SBA’s website at: https://disasterloan.sba.gov/ela/Information/EIDLLoans


Ensuring Access to Care for All Americans

Increased Medical Product Supplies:

  • Increases access to testing by allowing Strategic National Stockpile (SNS) to stockpile medical supplies like swabs used in COVID-19 testing.
  • Permanent liability protection for manufacturers of PPE in the event of a public health emergency.

Faster Approval for Treatments:

  • Allows FDA to quickly approve the use of new medication and treatment.
  • Prioritize drug applications.
  • Requires drug manufacturers to provide additional information when there is an interruption in the supply chain as well as to submit information to FDA regarding shortages.
  • Allows Biomedical Advanced Research and Development Authority (BARDA) to more easily partner with private sector on research and development, which includes helping to scale up manufacturing.
  • Provides breakthrough therapy designations for animal drugs that can prevent human diseases.

Access to Health Care for COVID-19 Patients:

  • Facilitates the use of new and innovative telemedicine technology to protect and contain the spread of COVID-19.
  1. Expands Medicare telehealth flexibilities.
  2. Expands Medicare telehealth for home dialysis patients.
  • Reauthorizes HRSA grant programs to strengthen rural community health by focusing on quality improvement and access to care.
  • Allows Federally Qualified Health Centers (FQHC) and Rural Health clinics to furnish telehealth for Medicare beneficiaries.
  • All testing for COVID-19 is to be covered by private insurance plans without cost-sharing, including those tests without an emergency use authorization.
  • Allows Medicare beneficiaries to receive a COVID-19 vaccine in Medicare Part B with no cost-sharing.
  • Medicare Part D plans would be allowed to provide a 90-day supply of a prescription medication during the COVID-19 emergency period.
  • Increases Medicare reimbursement rate to assist providers caring for our most vulnerable population.
  • Provides $1.32 billion in supplemental funding to Community Health Centers (CHC).

Increases Medical Professional Staffing:

  • Establishes a Ready Reserve Corps to ensure we have enough trained doctors and nurses to respond to public health emergencies.
  • Includes a Good Samaritan provision for doctors who provide volunteer medical services during the public health emergency related to COVID-19 to have liability protections.
  • Allows the Secretary of HHS to reassign members of the National Health Service Corps to sites close to the one they were originally assigned, in order to respond to the COVID-19 public health emergency.
  • Directs the Secretary of HHS to strengthen the health professions workforce

Supporting Health Care Providers:

  • $100 billion for hospitals and health care providers
  • Temporarily lifts the Medicare sequester, which reduces payments to providers by 2 percent, from May 1 through December 31, 2020, boosting payments for hospitals, physicians, nursing homes, and home health.
  • Increases payments to hospitals treating patients admitted with COVID-19 by 20 percent; this add-on payment is available through the duration of the COVID-19 emergency
  • Expands an existing Medicare accelerated payment program for hospitals. With Critical Access Hospitals eligible for an advance payment up to 125 percent, based on net reimbursement represented by unbilled discharges or unpaid bills.
  • Delays cuts to Disproportionate Share Hospitals (DSH) through November 30, 2020.

Support for Education

Provides $30.9 billion in emergency supplemental funding to the Department of Education.

Higher Education Assistance:

  • Higher Education received $14.25 billion to directly support students and institutes of higher education. Half of this funding is directed to support students.
  • Waives the requirement for federal aid funds to be returned if students withdrew from the university during the payment period.

Student Assistance:

  • Universities can use emergency financial aid grants to assist undergraduate and graduate students with unexpected expenses as a result of COVID-19.
  • Universities participating in work study may make payments to students participating in work study even though affected students were not able to fulfill the students’ work study obligation.
  • If the semester was not completed due to COVID-19, that semester will not count against the student for an enrolled semester for subsidized loan or Pell grant semester limits.
  • Students are not required to return Pell grants or federal student loans if they withdrew due to COVID-19.
  • Student loans are cancelled for this period ONLY, if the student withdraws from the university.
  • For Federal Student Loan Borrowers, all payments for federal loans have been suspended through September 30, 2020. All interest has also been suspended until September 30, 2020.

States’ Department of Education Assistance:

  • Elementary and Secondary Education received $13.5 billion to states to help respond to COVID-19. This funding can be used to meet the immediate needs of students and teachers, as well as improve remote learning.
  • The Secretary of Education may provide waivers to State Educational agencies or Indian Tribes to waive:
    • End of year testing
    • Attendance and long-term goal strategic plans
    • Plans for targeted support of underperforming schools
    • Report cards

Direct Funding to Combat the Pandemic

Coronavirus Relief Funds

  • $340 billion supplemental appropriations:
    • $150 billion emergency relief fund for states, cities, localities to fight the pandemic.
    • Each state will receive a minimum of $1.25 billion.
    • Support for health care workers and hospitals.
    • Funding for Personal Protective Equipment.
    • Support for our local responders.
    • Funding for the research of new treatments and vaccines.
    • Support for small businesses.
    • Support for local colleges and universities.
    • Support for veteran health care.
    • Support for DOD response to COVID-19.

 

3/25/20
From Small Business Development Center. - SBDC:
As we face this national historic challenge, we are responding to struggling and closing businesses that are resulting from COVID-19. At some point, COVID-19 will pass and your Southwestern SBDC remains committed, in every community on Oregon's South Coast, to supporting small business recovery efforts, every step of the way. Even now, our staff and dedicated volunteer advisers are calling our clients to assure them we are here and working to help through this crisis.

As we await the United States House of Representatives to vote on the stimulus package that will bring more money in the form of forgivable loans and grants to our nation's small businesses, there are five things you can do right now to help prepare your business to work through the upcoming SBA Disaster Loan program application requirements.

1. Create a forecast

This forecast needs to use actual data from 2019 through March 2020. This data will help you build a worst, best, and middle-of-the-road forecast. This forecast will also give you a rough idea of how much you will need to weather the next three to six months.

2.Examine your expenses

Take a hard look at what is absolutely necessary to operate your business and eliminate the things that are not mission-critical.

3.Assess your staffing plans

This is the hard one. This requires a very tough look at what you need to keep your business afloat at the minimum.

4.Forecast your cash

Take an honest look at how much cash you have, and how long it will last, given a worst case scenario. Budget that cash.

5.Apply for a loan if necessary

If you work hard at steps 1 - 4, you may not need a loan at all. However, if you do, your SBDC is committed to helping you get one.

There are currently two primary loan programs available for small businesses.

This loan is for up to $2,000,000 and is based on your organization's gross profits from 2019.

This loan is for between $5,000 and $15,000 and is designed to help bridge the gap until your business is up and running or until you can get money from the SBA.

Please know that we are working closely with the Small Business Administration, Business Oregon, and many regional and local organizations and governments to provide assistance to our area's small businesses. We know this is an extremely difficult time and we also know that Oregon's South Coast residents are strong, resilient people - we will get through this and thrive!

Honored to serve,

Your Southwestern SBDC Staff


Forwarded from Curry County Division of Community Development

Good afternoon Curry businesses and partners,

 

Curry County and the cities of Port Orford, Brookings and Gold Beach have worked diligently over the past 72 hours to implement safeguards for their communities and businesses. I would like to extend my gratitude to everyone in the trenches doing what they find is in the best interest of our residents and the economy we rely so heavily on. I will be able to share resolutions from each jurisdiction tomorrow as I look forward to their being filed.

 

ITEM OF POSSIBLE DIRECT INTEREST TO LOCAL COMPANIES

Layoff Aversion Funds. There is a very limited amount of money that has been made available through the workforce investment system to make grants to small businesses to avert layoffs. For Rogue Valley businesses, see: http://www.rogueworkforce.org/resources-in-response-to-covid-19/ . In Coos, Curry and Douglas counties, businesses should send inquiries to: response@sowib.org

 

OEDA IS COLLECTING RESOURCES FOR BUSINESSES HERE, WITH SEVERAL RESOURCES NOT YET LISTED HERE:

https://oeda.biz/assisting-communities-businesses-with-coronavirus-impact/

 

 

 

STATEWIDE Employment and Economic Response to COVID-19

This digest is a compilation of information and resources related to employment, commerce and economic development issues surrounding COVID-19. There are numerous online resources for those seeking health-related information, including daily COVID-19 updates from the Oregon Health Authority at https://govstatus.egov.com/OR-OHA-COVID-19.

Governor Kate Brown tightens social distancing measures, tells Oregonians to “Stay Home, Save Lives”: Governor Kate Brown today issued Executive Order 20-12, directing everyone in Oregon to stay at home to the maximum extent possible and adding to the list of businesses that will be temporarily closed to stem the spread of COVID-19 in Oregon. The order is effective immediately, and remains in effect until ended by the Governor.

Governor Kate Brown issues order to stop residential evictions during COVID-19 crisis: Governor Kate Brown on Sunday issued Executive Order 20-11, placing a temporary moratorium on residential evictions for nonpayment in light of the public health emergency caused by the spread of coronavirus in Oregon. The order is effective for 90 days.

The Oregon Department of Agriculture regularly updates its COVID-19 resource page with information about farm workers, animal health, food safety and more.

 

The Manufacturing Extension Partnership hasCOVID-19 resources, including information on managing supply chains, business continuity and financial resources.

 

Business Oregon has translated its fact sheet on COVID-19 Business Survival Tips into Spanish.

 

The National Main Street Center is offering a series of webinarsto support local businesses and communities. Sessions will cover national policy and best local practices related to Main Street America during the COVID-19 outbreak.

 

The Oregon Department of Revenue has guidance on COVID-19 tax relief options, with information on the personal and corporate income tax and the corporate activity tax.

 

 

On Friday, March 27th at 10am, OMEP will be conducting a free webinar on employment law relating to COVID-19: https://www.omep.org/omep-webinar-series/?utm_source=ActiveCampaign&utm_medium=email&utm_content=Employment+Law+Updates+Related+to+Covid19&utm_campaign=Employment+Law+Covid19+Updates+Webinar


Please be proactive in filling out this form for your business:

 

In addition to the SBA link that has been circulating, there is a basic form for businesses titled "Estimated disaster economic injury worksheet for businesses".

(Link to form) curryoem.com/forms


Please be proactive in filling one out for your business. While navigating this economic crisis, the inquiry for emergency small business funding is at the forefront of many of our minds.

 

The thought process in getting our local businesses to report their losses and economic injury will give legislators a better idea of what the actual impact entails.

 

We are suggesting that businesses keep track of their losses and how this is impacting our community moving forward. We will update businesses in where to send the information, but encourage business owners in being proactive.

 

 

 

 

Curry County has designated curryoem.com as their main landing page for information regarding this crisis.

 


FROM THE US CENSUS BUREAU: 


The US Census Bureau monitors COVID-19 developments to support the health and safety of the public and our staff. Census Bureau personnel adhere to national, state, and local authorities’ guidance and constantly work to keep you informed of precautions we take and of operational adjustments as we launch the 2020 Census. Right now, almost all Census personnel telework from home.

The 2020 Census voluntary self-response feature is now available online in 13 languages (click Respond, and click the globe icon in the top right corner of the main page to view language options), and over the phone in 13 languages (English 844-330-2020; Spanish 844-468-2020).

Please encourage all your customers, clients or constituents, as well as your neighbors, friends, family, and relatives to complete the online self-response for their household right now. It’s important, easy, and safe, and the 2020 Census self-response is one small diversion from today’s news that will positively affect our communities for the next ten years.

Updated response rates for the 2020 Census in your community can be seen at this page on our website. Let’s work to get the highest response rate in the US!

Thank you for your work in supporting this monumental effort, and we look forward to continuing to work with you to get a complete and accurate count this year.

With wishes for health and wellness,
Your local 2020 Census Partnership Specialist on the Oregon Coast


Many of the events in town are being Cancelled or Rescheduled. We are making every attempt to update the Event Calendar, but we are not always made aware when an event is Cancelled or Rescheduled. Thank you for all your patience.






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