for Relief

Congress and President Trump have been hard at work to bring relief for families and businesses struggling as we face this unprecedented challenge. Among these efforts, the Senate recently passed the CARES Act, a $2 trillion in economic relief package that provides direct assistance to individuals, families, and small businesses facing disruptions due to the coronavirus.

If you, your family, or your business are facing hardship, here are a number of resources available as a result of these efforts.

On March 27th, the President signed the CARES Act, a $2 trillion economic relief package that provides direct assistance to individuals, families, and small businesses facing disruptions due to the coronavirus. Senator Hawley voted for this package and fought to include relief from the financial pressure resulting from COVID-19 for individuals, families, and kids in the form of a direct cash benefit.

If your direct deposit information is on file your benefit will be automatically transferred to your bank account, otherwise the IRS will mail you a check. If you are not sure the IRS has your correct mailing address you should contact them as soon as possible.

For resources about help with your mortgage, rent, utilities and more, and to learn about scams to be aware of during this time, visit the Treasury Department’s Personal Finance and Consumer Protection page.

Frequently Asked Questions  AS PROVIDED BY THE IRS

Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible. Social Security recipients and railroad retirees who are otherwise not required to file a tax return are also eligible and will not be required to file a return. 

Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples and up to $500 for each qualifying child.

The vast majority of people do not need to take any action. The IRS will calculate and automatically send the economic impact payment to those eligible.

For people who have already filed their 2019 tax returns, the IRS will use this information to calculate the payment amount. For those who have not yet filed their return for 2019, the IRS will use information from their 2018 tax filing to calculate the payment. The economic impact payment will be deposited directly into the same banking account reflected on the return field.

In the coming weeks, Treasury plans to develop a web-based portal for individuals to provide their banking information to the IRS online, so that individuals can receive payments immediately as opposed to checks in the mail.

Yes. The IRS will use the information on the Form SSA-1099 or Form RRB-1099 to generate Economic Impact Payments to recipients of benefits reflected in the Form SSA-1099 or Form RRB-1099 who are not required to file a tax return and did not file a return for 2019 or 2019. This includes senior citizens, Social Security recipients and railroad retirees who are not otherwise required to file a tax return.

Since the IRS would not have information regarding any dependents for these people, each person would receive $1,200 per person, without the additional amount for any dependents at this time.

Yes. The IRS urges anyone with a tax filing obligation who has not yet filed a tax return for 2018 or 2019 to file as soon as they can to receive an economic impact payment. Taxpayers should include direct deposit banking information on the return.

For those concerned about visiting a tax professional or local community organization in person to get help with a tax return, these economic impact payments will be available throughout the rest of 2020.

The IRS will post all key information on as soon as it becomes available.

The IRS has a reduced staff in many of its offices but remains committed to helping eligible individuals receive their payments expeditiously. Check for updated information on rather than calling IRS assistors who are helping process 2019 returns.

Congress has sought to address the needs of those struggling to make ends meet with three new programs under the Coronavirus Aid, Relief, and Economic Security (CARES) Act and the Families First Coronavirus Response Act:

  • Direct cash rebates for all low- and middle-income Americans
  • Paid sick and family leave at no cost to employers
  • New unemployment compensation resources to states for those put out of work during this crisis

Additionally, small businesses can qualify for a paycheck protection program administered by the Small Business Administration to cover their payroll costs during this crisis.

Combined, these programs are designed to provide short-term cash to cover immediate expenses arising from the crisis, job continuity for those disrupted by illness, and long-term wage replacement for those whose jobs have disappeared.

Under the Families First Coronavirus Response Act, employees of firms with fewer than 500 employees are entitled to two weeks of paid sick leave due to a personal medical need for leave at full pay, up to $511 per day. Beyond that two-week period, employees who cannot work due to school closure for their children will be entitled to an additional ten weeks of paid family leave at 2/3 pay, up to $200 per day.

These benefits will be paid in full by the federal government and advanced to employers by the Treasury Department to prevent the costs of paid leave from contributing to cash-flow problems during this crisis. Under the CARES Act, the federal support for this paid leave will be further extended to employees laid off in March who are subsequently rehired. To assist employers during the transition to this new law, the Labor Department began thirty-day period of non-enforcement of violations, to allow employers time to apply for advances and receive compliance assistance.

The credits available to employers will also be available to the self-employed, allowing them paid support during this crisis without having to file for unemployment should they qualify for sick or family leave under the same terms applicable to employees.

For more on these new leave benefits, which have not yet taken effect, see this page from the IRS.

The Department of Labor has also provided this resource for understanding changes to paid sick and family leave.

Frequently Asked Questions

In general, the paid leave benefit is available to full-time and part-time employees who have worked for at least thirty days for their employers. It applies only to firms with fewer than 500 employees. The family leave benefit will also be available to employees who are rehired after having been laid off after March 1.

There are two benefits created under Families First.

The first is a sick leave benefit that can be used to pay wages in full (up to $511 per day) for two weeks if the employee needs to take two weeks off due to treatment, quarantine, or related medical leave for a COVID diagnosis. This benefit can also be used for 2/3 wage replacement (up to $200 per day) to care for those who fall ill to coronavirus or for children whose school is closed.

The second is family leave paid at 2/3 wages (up to $200 per day) to pay for ten weeks of additional child care due to school closure related to coronavirus.

Employers can use the amounts owed to or already paid to the IRS in taxes to cover the costs of leave and can draw additional advances from the IRS to cover further costs, up to the full amounts owed in paid leave. See this guidance for more information.

Unfortunately, not all employees who face coronavirus-related disruptions will be able to benefit from the paid leave provisions in Families First. For such employees, the CARES Act enables states to make changes to their unemployment benefits with full federal support:

  • $600 benefit bonus above normal unemployment compensation amounts through the month of July to account for the severity of this crisis
  • Broader eligibility for part-time workers, the self-employed, and others whose income loss is directly attributable to the coronavirus crisis
  • Extended benefits for an additional 13 weeks, meaning up to 39 weeks of unemployment if necessary depending on the nature of your state’s unemployment program.

Please note that the details of how these new benefits will be implemented will be decided in joint agreements between the federal government and the states. Please contact the Missouri Division of Employment Security for more information about how the state plans to implement these new benefits.

Frequently Asked Questions

No. The unemployment provisions of CARES are generally subject to agreements between the federal government and individual state governments, though the federal government will pay the full costs.

The bill expands eligibility to cover categories including those unable to work due to coronavirus symptoms, household diagnosis, caregiving for someone with a diagnosis, school closure for a child, inability to reach place of employment related to coronavirus, self-quarantine at suggestion of health care provider, those whose place of employment has closed due to coronavirus, and others. It includes those who are self-employed, those who are seeking part-time employment, and those who lack sufficient work history to qualify for normal unemployment benefits.

The $600 expanded unemployment benefit, on top of normal unemployment compensation amounts, will last through July.

The 13-week benefit extension lasts through 2020.



The coronavirus has created an economic crisis. States and municipalities have ordered nonessential businesses to shutter under shelter-in-place orders to limit the virus’s spread. Small businesses, seeing their revenues dry up, have laid employees off en masse, contributing to record-breaking unemployment claims.

The CARES Act will establish a new “Paycheck Protection Program” that will provide funding to support cash flow for affected, eligible small businesses and non-profits.

For those who are self-employed, please review Paid Sick and Family Leave and Unemployment Expansion in the above “Employees” section for other benefits for which you may qualify.

Helpful Links

Senate Committee on Small Business & Entrepreneurship: Paycheck Protection Program FAQs for Small Businesses

Small Business Administration: Small Business Guidance & Loan Resources

Department of Labor: Paid Family and Medical Leave Questions & Answers

Department of the Treasury: Assistance for Small Businesses

Frequently Asked Questions

The “Paycheck Protection Program” is a cash-flow assistance program run through the Small Business Administration (SBA) through June 30, 2020. Eligible small businesses and non-profits can receive about 250% of their average monthly payroll up to $10 million in financial assistance which can be used for operating costs.

This assistance will be provided initially as 100% federally-backed low-interest loan, but the part of this loan used for payroll, mortgage obligations, rent payments, or utility costs over eight weeks can be forgiven.

Loans made under the Paycheck Protection Program have a 1% per annum interest rate with a term of two years. For at least the first six months of these loans, there are no payments due.

The loan amount is forgiven if used for payroll, rent payments, mortgage obligations, and utility costs over eight weeks. At least 75% of the loan must be used on payroll costs to qualify for forgiveness. There are no interest payments owed if the loan is forgiven.

Small businesses, 501(c)(3) non-profit organizations, Tribal business concerns, and 501(c)(19) veteran’s organizations are eligible if they have under 500 employees (including part-time), were in operation on February 15, 2020, and certify that they have both experienced disruptions due to coronavirus and that they will use assistance through the “Paycheck Protection Program” to keep employees on payroll. Non-profit organizations are subject to SBA’s affiliation standards.

There are exceptions that may allow certain businesses with more than 500 employees to be eligible so long as there are no more than 500 employees per physical location.

Sole proprietors, independent contractors, and some self-employed individuals are also eligible.

Existing SBA lenders are eligible to participate in the “Paycheck Protection Program.”

The Department of Treasury will also certify additional FDIC-insured financial institutions to disburse these loans. Lenders will receive a service fee paid by the SBA for making these loans, thereby encouraging as much participation in the program as possible.

The federal government will make payments on all existing SBA 7(a) loans for at least a six-month period to provide additional relief.

If you have already received an Economic Injury Disaster Loan (EIDL), there will be a process to refinance this loan into a loan through the “Paycheck Protection Program.” However, you may not take out an EIDL and also get assistance through the Paycheck Protection Program for the same purposes.

The CARES Act includes essential funding for agricultural programs and disaster assistance through the USDA to protect our nation’s food supply and provide relief and security to our farmers and ranchers. The bill provides $9.5 billion to USDA to prevent, prepare for, and respond to coronavirus by aiding producers and $14 billion to the Commodity Credit Corporation (CCC) which supports and protects farm income and prices.

For more information please visit the USDA's coronavirus resource page.

Frequently Asked Questions

The bill directs USDA to aid agricultural producers impacted by coronavirus and specifically lists:

  • Producers of specialty crops
  • Livestock producers
  • Dairy producers
  • Suppliers of local food systems, farmers markets, restaurants, and schools

Aid will be distributed through USDA and the CCC. Both were given flexibility to be responsive to the rapidly changing needs of producers and ensure our nation’s food supply is secure.

Existing SBA lenders are eligible to participate in the “Paycheck Protection Program.”

The CCC could issue another round of MFP payments with the funding allocated in the bill but is likely to move on other programs first so as to avoid distorting planting decisions.

The CARES Act will ease the burden on students whose education was interrupted by COVID-19 by allowing institutions of higher education to continue paying Work Study even if students aren’t on campus, using Supplemental Educational Opportunity Grants (SEOG) and other funds to help students, forgiving federal student loans for the semester during which students who were forced to drop out due to the virus, exempting the term from lifetime limits on Subsidized Federal Loans and Pell Grants, and more.

For those currently in repayment on their federal student loans, the CARES Act automatically defers interest for six months (through September 30, 2020). Borrowers who wish to stop making payments during this time may apply for an administrative forbearance, during which no interest will be charged.

For more information about what the CARES Act means for education visit the Department of Education’s resource page.

For more information about federal student loans visit the Federal Student Loans resource page.

Frequently Asked Questions


Borrowers who are required to make consecutive, on-time payments as part of a federal loan forgiveness program will not be penalized for taking advantage of this grace period.

No. The partial year will be counted as a full year of service toward the TEACH grant and Teacher Loan Forgiveness programs.

Participants will receive the award they were due to receive before their duties were suspended. The age and terms of service limitations have been amended to allow individuals serving in national service programs to continue after the COVID-19 crisis ends.

Through multiple phases of legislation, Congress has enacted new flexibilities and resources for providers facing this unprecedented health crisis.

The CARES Act pours hundreds of billions of new resources into our nation’s hospitals by:

  • Temporarily lifting the 2% Medicare sequester
  • Providing a 20% Medicare bonus to hospitals for COVID-19 care
  • Delay Disproportionate Share Hospital payment reductions
  • $100 billion for the public health and social services emergency fund to reimburse hospitals for lost revenues related to the coronavirus
  • Expand Medicare accelerated payments for hospitals to provide short-term cash flow with six-month advance lump sum or periodic payment based on prior payments

To protect providers, Congress has provided additional resources to promote telemedicine and authorize providers to use it in new circumstances, including:

  • Reauthorize HRSA telehealth grants
  • Ensure HSA plans can pay for telehealth services before deductible
  • Removal of restrictions on Medicare-paid telehealth services
  • Expand telehealth access for FQHCs and rural health clinics

States will receive an emergency Medicaid match rate increase, offering them more federal dollars to match state resources spent on low-income health programs during the coronavirus crisis.

Testing for the novel coronavirus can be provided with no cost sharing to patients regardless of insurance status. This benefit is provided to those in group insurance, individual market plans, Medicare, Medicaid, and other public programs, and can even be extended by states through Medicaid to cover the testing costs for the uninsured.

To address the pressing need for respirators for our health care providers, Congress has enacted a liability shield to allow hospitals to use N95 respirators previously approved through the National Institute for Occupational Safety and Health even if they have been approved for non-health occupational uses.

As the coronavirus situation in Missouri and across the country continues to evolve, Senator Josh Hawley is in regular communication with state and federal agencies.

Senator Hawley has introduced the Emergency Family Relief Act of 2020 to provide working families facing uncertainty during the coronavirus outbreak a guarantee of real financial relief from looming economic hardship.

As well, after reports of potential American drug shortages due to the Coronavirus outbreak in China, Senator Hawley introduced legislation to secure the U.S. medical supply chain and ensure that Americans have uninterrupted access to life-saving drugs and medical devices. A bipartisan companion bill was recently introduced in the U.S. House.

Senator Hawley also voted to provide supplemental funding that will steer nearly $10 million in federal funds to Missouri for the immediate coronavirus response, and joined legislation that will help ensure respirator manufacturers can produce these critical medical devices during health crises.

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