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  • Janet Cruz Padrón

How To Connect To COVID19 Financial Resources.


When things go haywire around us, the only thing left to do is to take stock of what we can control and do. Below are 5 steps you can take ASAP to gain more stable footing and start navigating the impacts of COVID19. It’s important to note that while the funds may be depleting fast, make sure to fill out the forms and make the calls now so you’re at the front of the line as resources and more offers become available.

01. // Call your lenders. Talk with any companies or people to whom you owe money. Ask them about your options in lowering your interest rates, deferring payments and forgiving fees. The first call is the hardest. It gets easier after that - and they’re expecting your calls. 

02. // Get organized. All these unemployment, loans and grant forms require you know how much you earned and spent last year on your own income, supplies, leasing office space, subcontractors, etc. Either download all your bank statements from the past year through January 31, 2020 to calculate everything or use an app that syncs with all your bank accounts and will organize it all for you. 

03. // Get government help. Find your home state below to determine what you’re eligible for in terms of unemployment insurance and the relevant SBA grants and loans. Apply for everything you can now, and then you can have the option to figure out what you need in the days and weeks ahead.

04. // Take advantage of better offers. Banks and lenders are offering great rates on balance transfer or low-rate cash back cards and loans today. If you can’t or don’t want to take advantage of the government resources, look into transferring or consolidating any debt into these options -  or using them to create some more immediate support. 

05. // Take the time to learn. Take advantage of heavily-discounted online courses to increase your potential income streams through the shift created by COVID19. 


State-by-State Unemployment and Freelancer Aid Breakdown


.: ARIZONA :.

Individual Unemployment

  • Arizona’s Department of Economic Security has expanded its Unemployment Insurance eligibility requirements to cover individuals whose employment has been negatively affected by COVID19, including those who have lost their jobs or had their hours reduced drastically; those who are quarantined and cannot work; those who leave their employment due to risk of exposure or infection, or are particularly susceptible to the disease; or those who leave their employment to care for a family member who has been diagnosed.

  • Benefits range from $187 to $240 per week for up to 26 weeks. Eligible claimants will also receive $600 per week as part of the federal stimulus bill.

  • Apply online here or by calling 1 (877) 600-2722. 

  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.

  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Typically, those who are considered self-employed or freelancers do not qualify for unemployment benefits. 

  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 

  • Contact the Arizona Department of Economic Security at (602) 364-2722.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.  


.: CALIFORNIA :.

Individual Unemployment

  • If your work hours have been reduced or you’ve been laid off as a result of COVID-19, you may be eligible for UI. 

  • You may also be eligible if you’re unable to work because you are sick or quarantined. (File a claim for Disability Insurance)

  • You may also be eligible if you’re providing care for a quarantined or ill family member with COVID-19, certified by a medical professional. (File a Paid Family Leave claim)

  • You may also be eligible if you’re providing care at home for a child due to school closures. (File for Unemployment Insurance)

  • Your weekly UI could range from $40-$1,300, depending on your income. Eligible claimants will also receive $600 per week as part of the federal stimulus bill.

  • You can file a UI claim online or call any of the numbers listed on this page, depending on your language preference.

  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.

  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the self-employed may be able to access benefits from EDD employment insurance programs that the individual or their employer has contributed to over the past 5-18 months. If you were misclassified as an independent contractor instead of an employee, you may also be eligible. Learn more here.

  • Freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 

  • Contact the Employment Development Department here.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


.: FLORIDA :.

Individual Unemployment

  • As a result of the COVID19 pandemic, the Florida Department of Economic Opportunity announced Reemployment Assistance will be available to people who: are required to be quarantined by a medical professional or a government agency; are laid off or put on leave without pay for an extended period by their employer; and are caring for an immediate family member diagnosed with COVID19.

  • Florida currently provides up to $275 of Reemployment Assistance per week for up to 12 weeks. Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.

  • File a claim online here or by calling (800) 681-8102.

Freelancer Coverage

  • Under normal circumstances, the state does not offer Reemployment Assistance to the self-employed.

  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 

  • Contact the Florida Department of Economic Opportunity’s Claims and Benefits department at (800) 204-2418.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


.: GEORGIA :.

Individual Unemployment

  • In the event of temporary or partial layoffs due to COVID19 (including a reduction in hours), employers are required to request benefits on behalf of employees. Employers who fail to do so will be required to reimburse the GDOL for the full amount of unemployment insurance benefit the state paid to its employees. 

  • Individual claimant eligibility will align with the eligibility requirements now outlined in the federal bill.

  • Typical weekly benefits range from $44 to $330 for up to 20 weeks, depending on your weekly earnings. Eligible claimants will also receive $600 per week as part of the federal stimulus bill.

  • Find instructions for filing unemployment here.

  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.

  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.

  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 

  • Contact the office of Unemployment Insurance at (404) 232-3180.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


.: ILLINOIS :.

Individual Unemployment

  • The Illinois Department of Employment Security has expanded UI eligibility to include people who are: temporarily laid of because their place of work is temporarily closed; confined to their home because they have been diagnosed with COVID19; need to care for their spouse, parent, or child who has been diagnosed or because of a government-imposed quarantine; or have left work to take care of their child or children as a result of statewide school closures.

  • Individuals can receive between $51 and $471 in UI per week, depending on their base period wages. Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.

  • View the online claims filing schedule and submit a claim here.  

  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.

  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.

  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 

  • You can reach the Illinois Department of Employment Security customer service at (800) 244-5631 or (866) 488-4016.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


.: MASSACHUSETTS :.

Individual Unemployment

  • Individuals who have lost their employment either permanently or temporarily due to COVID19, including those who are unable to work as a result of illness, quarantine, isolation, or caring for a family member are eligible to apply for UI.

  • Approved claimants can receive a maximum of $823 per week for up to 26 weeks. Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.

  • Apply online here or by calling (617) 626-6338. 

  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.

  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.

  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount in their state. 

  • You can reach the Massachusetts unemployment office at the Department of Labor by dialing (617) 626-6338.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


.: MICHIGAN :.

Individual Unemployment

  • Unemployment Insurance eligibility in Michigan now extends to workers: who are sick, quarantined, immunocompromised, and who do not have access to paid family and medical leave, and are laid off; who have an unanticipated family care responsibility, such as childcare due to school closures, or those who are caring for a loved one who has become ill, and who do not have access to paid family and medical leave or are laid off; and who are in the public health community and become ill or are quarantined following COVID19 exposure and who do not have access to paid family and medical leave or are laid off.

  • In Michigan, you can collect up to $362 for a maximum of 26 weeks.  Eligible claimants will also receive an additional $600 per week as part of the federal stimulus bill.

  • Submit a claim online at Michigan.gov/UIA  or by calling (866) 500-0017.

  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.

  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.

  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 

  • Contact Michigan’s Department of Labor and Economic Opportunity at (866) 500-0017.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan) and Fundera. Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


.: NEW JERSEY :.

Individual Unemployment

  • Individuals in New Jersey whose employment has been negatively affected by COVID19 may be eligible for UI. Benefits would extend to those who are unable to work because they have been diagnosed with COVID19 or have symptoms, those who have been exposed to the virus and have been directed to self-quarantine, those who have to stay home to care for a child, those who have been laid off temporarily or permanently, those who have had their hours reduced, those who need to care for a relative or loved one who has been diagnosed with COVID19 or has symptoms.

  • Approved claimants can receive a maximum of $713 per week for up to 26 weeks. Those who qualify will also receive an additional $600 per week as part of the federal stimulus bill.

  • File a claim online here or by calling the relevant local number on this page.

  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.

  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.

  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount. 

  • Contact the Division of Unemployment at the Department of Labor and Workforce Development by calling the relevant local number on this page.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


.: NEW YORK :.

Individual Unemployment

  • New York’s Department of Labor is now accepting new UI claims for those who qualify under the Pandemic Unemployment Assistance program. For individual employees who already submitted a claim, your benefits will be updated automatically.  

  • Eligible individuals can collect between $104 and $504 per week for a maximum of 26 weeks. Those who qualify will also receive $600 per week as part of the federal stimulus bill.

  • You can file a claim online through this link. To reach the Department of Labor, click here

  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.

  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • New York offers a Self-Employment Assistance Program which enables the self-employed to collect UI benefits while working full-time on their business.

  • Additionally, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


.: TEXAS :.

Individual Unemployment

  • The Texas Workforce Commission has only published general information regarding unemployment as a result of COVID19, stating that those whose employment has been affected by COVID19 can apply for benefits.

  • Weekly benefits will range between $69 and $521 per week. Those who qualify will also receive an additional  $600 per week as part of the federal stimulus bill.

  • Apply for benefits online here or by calling (800) 939-6631.

  • Starting April 28th, there's also now the Pandemic Unemployment Assistance (PUA) Program, which is a newly available emergency unemployment assistance program under the federal CARES Act.  PUA provides assistance for unemployed or partially unemployed individuals who are not eligible for regular unemployment insurance and who are unable or unavailable to work due to COVID-19 related circumstances. Apply online via the links and contact info above for your state starting on April 28th.

  • Stimulus checks are also likely going to be deposited in your bank account or mailed via physical checks in the coming weeks and months, if you've filed your 2018 or 2019 taxes. Be patient, they're taking time. More info about your eligibility and the timing can be found at the IRS site here. Please do not respond to any text messages or emails (not from an irs.gov email address) seeming to provide info from the IRS. This is not how the government will relay or ask for info from you - it's a scam.

Freelancer Coverage

  • Under normal circumstances, the state does not offer UI to the self-employed.

  • However, freelancers are now eligible to receive unemployment insurance of $600 per week as part of the federal stimulus package plus half of the average unemployment insurance amount.

  • Call the Texas Workforce Commission at (800) 628-5115.

  • SBA grants and loans are no longer applicable to freelancers and are unlikely to get prioritized in the next stimulus bill. If you already filed one, you should still get a response about your filing. Otherwise, this isn't as much of a loss for freelancers as the PPP - now that it's available for freelancers - actually has a larger forgivable amount (of 2.5x your monthly income).

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 income.  You do NOT have to have a payroll system setup,  just proof of monthly income. There is paperwork you should organize now and submit to your everyday bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you ~1-2 hours. The only hard part may be filling out the Schedule C document, which you can just do here and print out. You do not have to file your taxes for 2019 yet, just complete the IRS form and include it in your PPP application package.

Small Business Loans and Support

  • SBA grants and loans are no longer applicable to SMBs and are unlikely to get prioritized in the next stimulus bill.

  • PPP grants and loans are currently unavailable. However, they are expected to get more funding in the coming weeks.  The grant part is a forgivable 2.5x your avg monthly 2019 or early 2020 payroll. There is paperwork you should organize now and submit to your bank (ask them to attach it to your file as well as opt you into any consideration for a PPP loan). Speed is everything these days -  and pulling all this paperwork together should take you or your accountant a couple hours. If you're a single-person LLC or S-corp and don't have payroll setup for some reason, look at the further instructions up above under freelancer coverage.


Was your state left off the list? You can find resources for all 50 states by linking onto the article originally published by Lance. Despite how challenging these times may feel, remember that you are not alone. Help is out there but it might just take some extra scrolling, clicking, and sifting through all the information available.


Stay fierce, fabulous, and financially savvy bellas!


Besito,




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