Every day there's new information from your home state and the federal government during the COVID_19/Coronavirus crisis. Since it's the beginning of the month, we want to explain the current status of rent payments (and mortgage payments) and dispel any misinformation.

1. Do I have to pay rent during Coronavirus? The short answer is yes. This is in every state. Unless your landlord has told you you can skip a month(s), you have to pay your rent. The same is true for your mortgage. Unless you've been granted a forbearance of deferment for your rent or mortgage, or if your landlord has offered rent forgiveness, you must pay.

2. But, what if you can't afford it? Pay what you can. Most states, including Washington and Idaho, have put a moratorium on eviction (renting) and foreclosure (mortgages). That means you can't be removed from your rental home or the house you own during the current shelter-in-place rules if you cannot pay because of the Coronavirus and your finances. It does not mean you cannot get kicked out for rules violations of other varieties. For example, Idaho has made clear that if you are using illegal drugs (including recreational marijuana), you can still be evicted. But, to be as clear as possible, it does not mean that you will not owe the rent or mortgage amounts you did not pay during the COVID_19 crisis. Those payments will be due at some point, and as of right now, there's no clarity if they will all be due immediately upon people being able to return to work and/or a lifting of any shelter-in-place/stay at home orders.

3. So, what should I do? If you can pay your rent or mortgage, pay it. If you can't or don't think you can pay it in full, pay as much as you can, as it may be due later.

4. If there is a rent or mortgage forgiveness order made by your state or the federal government, we will update this post. But, neither Washington nor Idaho nor the federal government have made any rule or law about rent or mortgage forgiveness. 

If you have more questions, contact us (for WA & ID). Stay safe! 

It's a scary time, but we are here to help. This post contains resources for Washington State residents needing financial relief with closures of schools and businesses. We will continue to update this post as we receive new information. Below are some options:

1. Washington State Paid Sick Leave. This has been mandatory for employers since January 2018. As an employee, you earn one hour of paid leave for each 40 hour period you work. This kicks in after your 90th day of employment. Your employer cannot penalize you or threaten your job if you take or use paid leave. We have blogged about this before, so here's what you need to know specifically about sick leave and Coronavirus. 

If your place of business has been closed by a government official you can use Washington State Paid Sick Leave. So, if Gov. Inslee, for example, closed your employer's business, you can use paid sick leave if you are not being paid during this time.

If your child's school or day care has been closed for Coronavirus, you can use paid sick leave to stay home and provide care to your child. 

An employer cannot require you to work from home if you've requested to use your paid sick leave. But, if you choose to work from home, you cannot use paid leave.

An employer that voluntarily chooses to close its business does not have to, but can offer, paid leave. 

An employer cannot force you to use paid sick leave if you do not want to do so, but an employer can send you home if you exhibit symptoms of Coronavirus 

If you have Coronavirus or any other illness, you can use paid sick leave. 

Your employer may offer broader paid time off or sick leave beyond the Washington state program. Check with your employer for more details. Paid sick leave is run by the Washington State Department of Labor & Industries (L&I). More info is here: https://lni.wa.gov/workers-rights/leave/paid-sick-leave/index.

2. Paid Family & Medical Leave. This is a companion to the L&I program that is run by the Employment Security Department. You may know this agency as unemployment. This leave is available for Washington employees who have worked 820 hours during the past year in Washington. Self-employed people can opt-in to the program. but do not receive it automatically. Generally you can receive 12 paid weeks, but may be eligible for up to 18 weeks paid. 

You can use it if you or a family member have a serious illness. You must apply: https://paidleave.wa.gov/.

3. Unemployment. This is always offered through ESD/Unemployment Office. You must have worked at least 680 hours (during the last 12-18 months) with part of those hours in Washington to receive unemployment in Washington State.  If you have been laid off by your employer during this Coronavirus outbreak, you are likely eligible for paid, weekly benefits. You have to be an employee (not an independent contractor or self-employed person), but you can happily here: https://secure.esd.wa.gov/home/. Note that unemployment is not for people who are sick - it is for people who are mentally and physically able to work but currently cannot and cannot find a job at this time.

4. Other Paid Leave Programs. Your employer may offer options and some counties like King offer additional paid leave programs. Info for King County is here: https://www.kingcounty.gov/audience/employees/pay-benefits/WA-paid-family-medical-leave.aspx.

Remember, these options apply to employees only. How do you know if you are an employee? One quick way is to look at your paycheck. Do you have taxes deducted and does your employer give you a W-2 each year? You're an employee. If you are self-employed, you may have opted in to the Paid Family & Medical Leave program. Some options for you:

5. Food Stamps or Basic Food. Food stamps are called Basic Food in Washington State. Benefits are based on family size and family income. You need to apply. More information here: https://www.dshs.wa.gov/esa/community-services-offices/basic-food.

6. Welfare or TANF. Washington state operates a program called Temporary Assistance for Needy Families (TANF). TANF provides temporary, supplemental income for families in need. You have to apply, and you must be eligible. Eligibilty includes having family resources of less than $6,000. The amount you receive depends on the size of your family, the income you earn, and any other benefits you are already receiving (like unemployment). Apply here: https://www.dshs.wa.gov/esa/community-services-offices/tanf-and-support-services.

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