COVID-19 Relief Funding Updates 救济资金更新


Who is eligible for an Individual stimulus payment? The amount you’ll receive will depend on your total income in 2019 or 2018. If you qualify, you’ll receive one payment. Here’s who qualifies:

  • A single US resident must have a social security number and an AGI under $75,000 -$99,000, to receive the full amount of 0-$1,200.
  • If you file as head of a household, you will get the full $1,200 payment if your AGI is $112,500 or less, with the amount decreasing till you reach $146,500.
  • Married couples filing jointly without children with an adjusted gross income below $150,000 will get a $2,400 payment, decreasing to zero at $198,000.

What are the qualifying situations for retirement accounts relief?

  • For 2020, those that are subject to mandatory minimum distributions from their qualified retirement accounts would be able to keep their funds invested without penalty.
  • Individuals are allowed in 2020 to take distributions from their qualified retirement accounts, such as 401(k) plans and IRAs, of up to $100,000 without having to pay the 10% penalty on early distributions if the distribution is related to adverse financial consequences as a result of contracting COVID-19, or related factors

What are the extended individual Unemployment Benefits?

  • Creates a temporary Pandemic Unemployment Assistance program through December 31, 2020. This program will provide payment to those not traditionally eligible for unemployment benefits (self-employed, independent contractors, those with limited work history, and others).
  • Includes an additional $600 per week payment, on top of state benefit levels, to each recipient of unemployment insurance or Pandemic Unemployment Assistance for up to four months, through July 31. (Laid off workers currently qualify for up to 26 weeks of unemployment insurance. Benefit levels vary by state with most replacing about half of an individual’s wages during that time.)
  • Provides an additional 13 weeks of federally-funded unemployment insurance benefits beyond the normal 26 weeks through December 31, 2020 to help those who remain unemployed after state unemployment benefits are no longer available. The amount provided would be the same as the regular benefit paid by the state.

What are the Small Business Relief Loans?

Coronavirus Aid, Relief, and Economic Security (CARES) Act  provides $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses. These loans may be forgiven.

  • Specifically allots $10 Billion for Economic Injury Disaster Loans
    • Economic Injury Disaster Loans and Loan Advance Up to $2 million
    • 3.75 percent (2.75% for non-profits) interest rate on the loans will not exceed 4 percent per year and terms will not exceed 30 years.
    • To apply for a COVID-19 Economic Injury Disaster Loan, click here.
  • $350 billion for Paycheck Protection Loans to help small businesses.
    • Loans are up to $10 million, or 2.5 times your total payroll expenses for the loan period
    • The initial rate is 0.5 percent, but it may rise. It is capped at 4 percent.
    • The first month’s payments are deferred a full year from the date of the promissory note.
    • To apply:  Through any existing SBA 7(a) lender or any federally insured depository institution, federally insured credit union and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved.
    • Can be forgiven: Forgiveness covering the first eight weeks of the loan is possible if employers pay their expenses and maintain – or quickly rehire – employees and keep salary levels constant. Seventy-five percent of the amount given must be put toward payroll.


单个美国居民必须拥有社会安全号码和AGI在$ 75,000-$ 99,000以下才能收到0- $ 1,200的全额款项。
如果您是一家之主,如果您的AGI为$ 112,500或更少,您将获得$ 1,200的全额付款,直到您达到$ 146,500为止。







  • 特别拨出100亿美元用于经济伤害灾难贷款
  • 3500亿美元用于帮助小型企业的薪资保护贷款
    贷款最高为1000万美元,是贷款期总工资支出的2.5倍。 pdf格式
    申请:通过任何现有的SBA 7(a)贷方或任何联邦参保的存托机构,联邦参保的信用合作社和参与的农场信用体系机构。贷款获得批准后,其他受监管的贷款人将可以提供这些贷款。