Here are financial Covid-Relief options for individuals, including self-employed and 1099 workers. For Businesses with Payroll, see our business page.
UNEMPLOYMENT
Weekly Payments for those eligible for Unemployment
STIMULUS CHECKS
Three Rounds of direct payments
EIDL
Up to a $500k loan and a $15k grant for self-employed/1099 workers.
PPP
Grant of 20% of annual income for self-employed / 1099 workers.
MORE FINANCIAL ASSISTANCE
New York State Homeowner Assistance Fund – Up to $50k per Household – Launches 1/3/2021
Up to $50,000 per eligible household, who are either:
– 30 days past due: payment of all arrears
– Have an adult member currently unemployed: six months of future household payments (in addition to arrears).
EIDL $10k (Targeted Advance) + $5k (Supplemental Advance) = Up to $15k Grant
EIDL offers grants of up to $15k per eligible business (including self-employed).
Child and Dependent Care Credit – 2021 Tax Year
Dependent Care Credit offers families with child care and dependent care expenses, up to $8,000 per family in a fully refundable credit.
$10,000 NYC Small Business Resilience Grant
The NYC Small Business Resilience Grant is offering a $10,000 grant to eligible small businesses in New York City, including 1099 / Schedule C applicants.
Beyond COVID – Financial Assistance – Extensive List of Programs
Here is a list of financial assistance currently available in NY.
NY – Hurricane Ida Relief
Resource with available assistance in New York for those who were affected by Hurricane Ida (September 1-3 2021).
NY Emergency Rental Assistance Program (ERAP)
This ERA program helps pay the rent for eligible households. Both tenants and landlords can apply. Funds are limited, so if you are eligible, apply right away.
EIDL Loan – Up to $2 Million
EIDL offers up to $2 Million low-interest loan to eligible businesses.
NY Unemployment Update September 6, 2021 – Covid Unemployment is Over
All about Covid Unemployment Expiration on 9/5/2021
NY Child Care Providers – Stabilization Grant
If you have a licensed/registered/exempt child care program, you can get a grant, between $4,000 and $200,000.
New York State Small Business Recovery Grant Program – Up to $50K
Covid-19 grant between $5k – $50k for eligible small businesses in New York State.
NY: Partial Unemployment Now Based on Hours Worked, Not Days
Starting from the week beginning 01/18/2021 partial Unemployment will depend on hours worked and not days worked
Covid-19 Funeral Assistance
FEMA will reimburse up to $9,000 in funeral expenses for people who passed away due to Covid after January 20, 2020.
Free Childcare in New York – Essential Worker Scholarship
The $25 Million NYS Essential Worker Scholarship fund covers childcare costs for essential workers. The term “essential worker” is very broad and includes childcare, education, retail, medical, construction and many more fields.
American Rescue Plan Act – 03/11/2021
Overview of the American Rescue Plan – Signed into law 03/11/2021
Emergency Broadband Benefit – $50 Off Per Month
Federal program that provides a $50 discount on monthly internet bills (or mobile phone plans that include internet), plus a one-off $100 credit for purchasing a device.
EXPIRED: Housing NYC – Section 8 Lottery
Lottery to get a Housing Choice Voucher, commonly referred to as Section 8.
Restaurant Revitalization Fund (RRF) – Up to $10 Million Grant
Restaurant Revitalization Fund (RRF) is offering up to $10 million to Restaurants, Caterers, Bakeries, Food stands, Bars, and other businesses that serve food.
NY: $1,000 Grant – Empire Pandemic Response Reimbursement Fund
The Empire Pandemic Response Reimbursement Fund reimburses $1,000 to income-eligible people who worked for a NY-based “essential business” anytime from March 1, 2020.
How Self-Employed / 1099 Workers Can Get PPP Twice + Calculator
How Self-Employed/1099 can get PPP twice
PPP Eligibility Calculator for Self Employed/1099
Find out how much PPP you are eligible for! Can you get the PPP twice? This calculator is for people who are self-employed or paid via a 1099.
Unemployment and PPP for Self-Employed / 1099 Workers
How self-employed and 1099 workers can access both Unemployment and PPP funds.
Emergency Rental Assistance (ERA)
Emergency Rental Assistance (ERA) helps pay the rent for those who have financial hardships due to the pandemic.
Changes to PPP – Including Self Employed and 1099 PPP Now Based on Gross Income
Application pause for businesses with 20+ employees, more funds for self-employed and 1099 independent contractors, and expanded eligibility to include more businesses
FFCRA: Paid Time Off Work Due to Covid
How employees and self employed / 1099 gig workers can get paid time off of work due to Covid.
Covid-Relief and Your 2020 Tax Return
With people getting ready to file their 2020 taxes, here are some changes to taxes this year based on the Covid Relief bill. In addition, see how the most common government Covid-Relief programs for individuals are taxed.
PPP Second Draw Application Tutorial – Partnerships
Step-by-step PPP Biz2Credit application tutorial for Partnerships – Second Draw
PPP First Draw Application Tutorial – Partnerships
Step-by-step PPP Biz2Credit application tutorial for Partnerships – Second Draw
Eligibility Calculator for NY Rent Relief Program – Round Two
Here is an eligibility calculator to help you see if you are eligible for Round 2 of NY Rent Relief
PPP Second Draw Application Tutorial – Self Employed (Schedule C/1099) – No Employees
Step-by-step Second Draw PPP application tutorial for Self Employed and 1099 workers who file a Schedule C
PPP First Draw Biz2Credit Application Tutorial – Self Employed (Schedule C / 1099) – No Employees
Step-by-step PPP application tutorial for Self Employed and 1099 workers who file a Schedule C
PPP Guide for Partnerships (K-1 1065)
This PPP guide is geared to partnerships (K-1 1065)
PPP Guide for Self-Employed & 1099
If you are self-employed or are paid via a 1099, you are eligible for PPP even if you don’t have any payroll or employees!
Round 2 of PPP – Complete Overview
PPP Guide – Free Cash!
You may be eligible even if you already received a PPP during the first round!
Stimulus Checks – EIP #2
Overview of EIP #2 – Second round of stimulus checks from the new Coronavirus Response and Relief Package, signed into law on 12/27/2020.
Unemployment Changes in The New Covid-Relief Bill (Dec 27)
Here are the changes to Unemployment based on the new Coronavirus Response and Relief PAckage, signed into law on 12/27/2020.
New Covid-Relief Bill – Coronavirus Response and Relief
A brief overview of the new Covid-Relief Bill (Coronavirus Response and Relief)
Is Unemployment Ending? – UPDATE: President Trump Signed The Bill
What will happen to Unemployment based on the current rules and what will change if the new proposed bill indeed becomes law?
NY Rent Relief Program – Round Two
COVID Rent Relief Program covers a portion of the rent for income-eligible people who paid more than 30% of their income as rent during any of the months between April-July 2020.
Cashback: Get Paid Every Time You Shop Online
Cashback programs can save you money every time you shop online.
Stimulus Deadline and Potential Eligibility Change
Deadline for non-filers to claim EIP and change of circumstance in 2020.
Guide How to Submit ID – NY
One of the most common reasons for stalled Unemployment payments is that the DOL needs to verify identity. Here is a guide on how to verify your identity by sending ID documents.
Troubleshooting Your Unemployment Application
Did you apply for Unemployment but are not receiving the money that you are meant to be receiving? This guide is for you.
Becoming Eligible vs Staying Eligible – NY Unemployment
Many people have asked about the difference between becoming eligible for Unemployment and staying eligible in order to get Unemployment payments. Hopefully, this post will clarify any confusion.
Unemployment and Withholding Taxes
This article explains how taxes affect your Unemployment payments.
Calling the Department of Labor – Certifying Missing Weeks
If you tried to certify back weeks by sending a message and did not receive a response, consider calling today.
Effective Days Down to Zero & Benefit Year Ending
If your “Effective Days Remaining” is nearing zero, don’t worry! You most likely will continue receiving Unemployment payments.
Certifying Lost Wages Assistance ($1,800) – NY
All eligible people should receive six weeks of LWA. At $300 a week, that’s $1,800 before taxes.
Most will get it automatically. Some need to certify first.
“Dependent”, Taxes and Unemployment
– A dependent being eligible for Unemployment
– How dependents can get the stimulus
– Filing taxes and potential refunds
Guide How to Get Missing Unemployment Payments – NY
Guide on how to check if you received all eligible payments and how to claim any missing payments.
Don’t Lose Out on $900 (or more) in Lost Wages Assistance
There is a good reason to apply and certify now. Don’t push it off or you risk losing $900 or more.
Please Be Careful If Getting Help to File for Unemployment
Be aware of four things before hiring someone to help you with unemployment.
Extra $300 a Week in Unemployment: Lost Wages Assistance
President Trump signed a memorandum for $300 per week from the federal government, to be given in addition to the regular amount. This is effective from the week ending August 2nd.
Great Covid Resource – ChaiPlus1.com
ChaiPlus1 covers lots of details about various programs and grants, including many that are not covered on HomeUnemployed.com.
PPP (Free Money) ends in two days – August 8th! Got paid via a 1099? Filed Schedule C? You’re likely eligible!
If you are eligible and didn’t yet sign up for the PPP, do it now! It is completely free money for people who are self-employed or run small businesses.
Notice of Determination of Eligibility – Self-Employed in NY
Many self-employed people from New York have asked about a letter they received in the mail from the Department of Labor.
VIDEO: Teachers & Unemployment
A video explaining how and when teachers are eligible for unemployment during the summer.
Medicaid During Covid-19
Reader Question: If unemployment payments make me no longer income-eligible, am I meant to go off Medicaid? And if I stay on Medicaid, will I have to pay for it?
NYC Rent Relief Calculator
Here is a custom-made calculator for NYC residents so you can see how the eligibility for the NY State rent relief program is calculated.
Don’t Push Off Getting Covid-19 Financial Help!
Today I want to focus on making sure that every single person who needs the financial assistance gets it and doesn’t push it off until it’s too late.
NY State Rent Relief Program
A new program to help New York renters who were financially affected by Covid-19 started today (July 16th 2020), called COVID Rent Relief Program. It covers a portion of four months of rent for income-eligible people who pay more than 30% of their income as rent.
EIDL $1,000 and Unemployment
Reader Question: I am self employed and now on Unemployment. Can I get the $1,000 from EIDL while still on Unemployment?
Received a Letter that You are Not Eligible for Unemployment? Don’t Worry!
Reader Question: I started receiving unemployment but now I received a letter stating that I am not eligible due to not having earned enough wages. Please help!
School Teachers and Unemployment
Reader Question: I work for a school and now finished the school year. Am I eligible for unemployment during the summer?
Difference Between Regular Unemployment and PUA – Why Less Than $182
Reader Question: I thought the minimum PUA was $182. Why am I getting less than that?
I think I should get more Unemployment
Reader Question: I am receiving unemployment benefits and I think I should be getting more than what the DOL is currently giving me. What are my options?
I heard I need to look for work while getting unemployment. Do I?
Reader Question: When I certified my week I read that there is a requirement to search for work. Do I need to be searching for work?
Payment History Dictionary
A few people have asked what the meaning of some of the words and numbers on the ‘Payment History’ page. So here it goes:
Am I on PUA or Regular Unemployment?
Reader Question: How do I know if I am on regular unemployment or PUA?