Coronavirus Resource Guide for Businesses

(Updated 3/30/2020 2:44 pm) – This page will be updated with new and relevant resources as they become available. If you have information you’d like to share with the Dayton Region’s business community regarding Coronavirus Disease 19 (COVID-19), please email us.

State of Ohio Updates

OHIO DEPARTMENT OF HEALTH DIRECTOR’S STAY AT HOME ORDER:

  • Beginning March 23 at 11:59pm, an order that “all persons stay at home unless engaged in essential work or activity” goes into effect in the State of Ohio.
  • Members deemed part of the “essential business” list may consider supplying employees with letters confirming their status as essential personnel. This letter is NOT required. Download a sample letter (editable). (Updated 3/26/2020)

Federal Updates

  • An historic federal stimulus package known as the Coronavirus Aid, Relief and Economic Security (CARES) Act was signed by President Trump on 3/27/2020. Read the US Chamber’s summary of what relief is included in the CARES Act
    • The CARES Act allocates $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn.
    • The Paycheck Protection Program provides 100% federally guaranteed loans to small businesses.
      • Eligible recipients may qualify for a loan up to $10 million determined by 8 weeks of prior average payroll plus an additional 25% of that amount.
      • Loan payments will be deferred for six months.
      • If you maintain your workforce, SBA will forgive the portion of the loan proceeds that are used to cover the first 8 weeks of payroll and certain other expenses following loan origination.
      • All lenders (non-SBA lenders to be approved by Treasury and SBA) can provide loans. Here is a list of the Dayton area SBA Preferred Lending Partners (PLP) that provided their name and contact information to the Dayton Area Chamber of Commerce.
    • Loans may be forgiven these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.
  • The US Chamber of Commerce has a small business guide and checklist for emergency loans.
  • The Federal Reserve cut interest rates to zero on 3/15/2020 in response to COVID-19. This move is in an effort to encourage,  support of businesses who will suffer financial injury during quarantine times. Find details here.
  • Employee Leave Changes (HR6201)
    • The Families First Coronavirus Response Act was signed by President Trump on 3/18/2020 and made the following requirements regarding employee leave (note private businesses with at least 500 employees are not covered)
      • Paid Family Leave: Provides workers with two-thirds of their wages for up to 12 weeks when employees can’t work because their child’s school or child care service is closed due to a public health emergency. Benefits will be capped at $200 a day (or $10,000 total).
      • Paid Sick Leave: Employers will have to provide 80 hours of paid-sick-leave benefits for several reasons, including if the employee has been ordered to quarantine, has symptoms of COVID-19 or are caring for someone in quarantine. Paid-sick-leave benefits will be capped at $511 a day for a worker’s own care and $200 a day when the employee is caring for someone else.
      • Provides payroll tax credits for employers required to provide emergency paid sick leave or family medical leave under the bill.
      • Establishes comparable sick leave and family leave income tax credits for self-employed workers.
      • Provides 100% federal funding, up from 50%, for extended unemployment benefits.
    • Read more about this Federal Bill from SHRM.

Employer Relief Resources & Information

SMALL BUSINESS GRANTS

  • Hello Alice, a smart technology created by the Dell and Circular Board, is offering resources, including $10,000 emergency grants, to small businesses in need during the COVID-19 pandemic. Learn More.
  • GoFundMe, in partnership with Yelp and Intuit Quick Books, has created the Small Business Relief Initiative and Fund to help small businesses during the COVID-19 pandemic. This fund offers $500 matching grants to small businesses that raise at least $500 through a GoFundMe Campaign. Learn more about donating to the fund, or how your small business can benefit.

UNEMPLOYMENT (ODJFS)

SBA ECONOMIC INJURY DISASTER LOANS

  • The CARES Act (signed 3/27/2020) made significant changes to the SBA’s Economic Injury Disaster Loans (EIDL’s). Below is a overview provided by the US Chamber of Commerce.
    • Loans can be made based solely on credit scores.
    • Loans available to all non-profits, including 501(c )(6)s.
    • Loans below $200,000 can be approved without a personal guarantee.
    • Borrowers can receive $10,000 cash advances that are forgiven if spent on paid leave, maintaining payroll, increased costs due to supply chain disruption, mortgage or lease payments, or repaying obligations that cannot be met due to revenue losses.
  • Apply here for Economic Injury Disaster Loans
  • Download a PowerPoint overview of the SBA Economic Injury Loan application process and requirements.
  • If you anticipate your member business will need financial assistance in the form of an Economic Injury Disaster Loan, please let your chamber know, as we are expediting chamber member needs. Email us at daytonchamber@dacc.org to be added to our SBA Assistance communications list.
  • The chamber hosted a webinar on March 23, 2020 with the Dayton representative from the SBA regarding Economic Injury Loans, the application process, and details surrounding lending decisions. Watch the webinar.
    • Note: The online SBA Economic Injury Loan application process has changed since this webinar was recorded. It’s no longer necessary to create a username and password. You will be required to download an application form, complete the application, then either mail it to the SBA or upload it.
    • Download the slides from the March 23, 2020 webinar.

Please feel free to share the attached SBA handouts as well as the below links to disaster assistance:

The SBA will continue to support small businesses through this difficult time, and are urged to visit www.sba.gov/coronavirus and follow @SBA_Columbus on Twitter or sign up for their newsletter for more updates.

WORKERS’ COMPENSATION

  • The Ohio Bureau of Workers’ Compensation (BWC) announced that insurance premium installments due for March, April and May for the current policy year may be deferred until June 1, 2020. Read a list of FAQs from the Ohio BWC. (Updated 3/26/2020)
  • The Ohio BWC has made temporary policy changes regarding the use of telemedicine services for injured workers and medical documentation. We’ve also gathered general guidance for workers’ comp for Work from Home employees. Read more. (Courtesy CareWorks Comp, added 3/24/2020)

OHIO UTILITIES

Ohio utility companies are providing relief for business and residential ratepayers during the COVID-19 pandemic by developing payment options and ceasing disconnections for overdue customers. Although all Ohio utilities have ceased suspensions, some of them were unable to stop the disconnection notices. The utilities will not follow through with those disconnections.

If you have any questions or concerns about your utility connections, please contact your utility provider, or visit the PUCO website.

FEDERAL TAX RELIEF

Treasury Secretary Steven Mnuchin announced the deadline for filing 2019 federal tax returns will be postponed 3 months to July 15, 2020. The due date for estimated federal tax for 2020 has also been postponed from April 15, 2020 until July 15, 2020 as described in section III of the IRS publication. Read more.

DISASTER PAYMENTS TO EMPLOYEES

Employers Can Immediately Provide Tax-free Qualified Disaster Payments to Employees in Connection with COVID-19. Read more from chamber member Brixey & Meyer.

SHAREDWORK OHIO – ALTERNATIVE TO LAYOFFS FOR EMPLOYERS

Allows workers to remain employed and employers to retain their staff during times of reduced business activity. Under a SharedWork Ohio plan, employers reduce hours to avert a layoff.  The participating employee works the reduced hours, and the Ohio Department of Job and Family Services provides an unemployment insurance benefit proportionate to their reduced hours. Read more.

OHIO TECHCRED PROGRAM
Please encourage employees to be trained during this downtime. The TechCred program will reimburse employers up to $2,000 per credential (cap of $30,000 per company). Trainings/credentials can be taken right away but the application needs to be completed before March 31. Learn more.

  • Chamber members: A recording of a recent webinar on TechCred is available to you in the Resources section of your Member Hub. Log in.

Needed: Personal Protective Equipment (PPE)

The Montgomery County Emergency Operations Center is asking for your help securing supplies for the response to COVID-19. We are asking local businesses to donate personal protective equipment (PPE) critical to protect frontline workers. Read the letter from Montgomery County Emergency Operations to learn how you can help.

Member-to-Member Resources

Downloadable Workplace Postings

Response Resources for Businesses

PANDEMIC GUIDANCE

The link above contains a brief outline of how to prepare before and respond during a pandemic by Ready.gov, official website of the Department of Homeland Security.

UNDERSTANDING THE CORONAVIRUS

Webinar about the impact of Coronavirus on the private sector and how companies should consider their response, hosted by the U.S. Chamber of Commerce Foundation in partnership with the Centers for Disease Control and Prevention (CDC) (Jan 27, 2020)

INTERIM GUIDANCE FOR BUSINESSES AND EMPLOYERS TO PLAN AND RESPOND TO CORONAVIRUS DISEASE 2019 (COVID-19)

With Coronavirus dominating the news, now is a good time to communicate with your employees. CDC recommended guidance for employers, including advice for developing a response plan and steps that all employers can implement now. Based on what is currently known about the Coronavirus Disease 2019 (COVID-19) by the Centers for Disease Control and Prevention (CDC) (Feb 2020)

TRAVEL INFORMATION (CDC)

This page offers current travel warning, alert and watches, as well as destinations with risk of community spread.

GUIDANCE ON PREPARING WORKPLACES FOR AN INFLUENZA PANDEMIC (OSHA)

The Occupational Safety and Health Administration (OSHA) developed this pandemic influenza planning guidance based upon traditional infection control and industrial hygiene practices.

COVID-19 SAFETY AND HEALTH STANDARDS, CONTROL & PREVENTION

An overview of information for workers and employers about the evolving Coronavirus outbreak. Includes links to OSHA standards, control and prevention, by Occupational Safety and Health Administration (OSHA)

U.S. CHAMBER OF COMMERCE CORONAVIRUS RESOURCES

A resource page by the U.S. Chamber of Commerce Foundation, including links to Resilience in a Box and Disaster Preparedness and Recovery Quick Guides.

U. S. SMALL BUSINESS ADMINISTRATION (SBA) WEBSITE

Guidance for Businesses and Employers to Plan and Respond to COVID-19.

Business Continuity Planning

BUSINESS PANDEMIC INFLUENZA PLANNING CHECKLIST (HHS & CDC)

The Department of Health and Human Services (HHS) and the Centers for Disease Control and Prevention (CDC) have developed the following checklist for large businesses. It identifies important, specific activities large businesses can do now to prepare, many of which will also help you in other emergencies.

PANDEMIC PREPAREDNESS PLANNING FOR U.S. BUSINESSES WITH OVERSEAS OPERATIONS (CDC)

The United States Government has created the following guide to help U.S. businesses with overseas operations prepare and implement pandemic business continuity. This is a list of suggestions and can serve as a starting point for developing a comprehensive plan. The checklist highlights actions applicable to businesses of all sizes, although each item does not necessarily apply to every overseas business.

LEGAL GUIDANCE ON WORKPLACE PANDEMIC PLANNING (EEOC)

This technical assistance document provides information about Titles I and V of the Americans with Disabilities Act (ADA) and pandemic planning in the workplace. It identifies established ADA principles that are relevant to questions frequently asked about workplace pandemic planning such as:

  • How much information may an employer request from an employee who calls in sick, in order to protect the rest of its workforce when an influenza pandemic appears imminent?
  • When may an ADA-covered employer take the body temperature of employees during a pandemic?
  • Does the ADA allow employers to require employees to stay home if they have symptoms of the pandemic influenza virus?
  • When employees return to work, does the ADA allow employers to require doctors’ notes certifying their fitness for duty?

GETTING AHEAD OF THE CORONAVIRUS OUTBREAK: A CHECKLIST FOR MULTINATIONAL EMPLOYERS

Courtesy of a member company, this is a suggested macro-checklist for multinational employers to help you prepare.

SAMPLE PANDEMIC THREAT CONDITION LEVELS

Courtesy of a member company, this is a sample of pandemic threat condition levels that could be implemented at your business.

SAMPLE PANDEMIC PREPARATION QUESTIONS

Courtesy of a member company, questions to ask during an outbreak, questions to ask once an outbreak becomes a pandemic, and which actions your crisis management team should perform regularly afterward to stay prepared.

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