Late last week, a bipartisan stimulus package was passed by both houses of Congress and signed into law. Here's what you need to know from the 800+ pages of the bill's actual text:
1. Are we getting paid by the federal government? Every American with an income below $75,000 (or $150,000 for a couple) will receive a one-time payment of $1,200 ($2,400 for married couples). If your income is above $75,000 and below $99,000 (up to $198,000 for a couple), you will still receive a payment, but it will be less. Above $99,000 ($198,000 couple), you will not receive a check. Parents will also get $500 per child under 17.
2. How does the government know my income for the payment? It is based on your 2018 or 2019 tax return. If you have not yet filed, file asap. If you can file by eFile, your return will get processed sooner. If you need help filing, contact an accountant or tax professional. The IRS may be providing a streamlined filing option for 2018 & 2019 returns in the near future.
3. How do I get paid? If you have received a tax refund in 2018 or 2019, and you used direct deposit for your refund, your refund will be paid to that account. If you did not get a refund or use direct deposit, you may get a paper check. The IRS is considering creating an online portal to provide your direct deposit information, but that is not up and running yet.
4. When will I get paid? That is a good question. Those who received a refund in 2018 or 2019 and received a direct deposit should get paid in the next few weeks. Those who did not receive a refund or use direct deposit may need to wait longer.
5. How many times will I get paid? Once for now. This bill passed only provides for a one-time payment.
6. What about unemployment? I heard the bill provided changes. It did in a number of ways. Unemployment compensation is offered from state run programs, but the new bill will provide $600 extra dollars per week for up to four (4) weeks from the federal government.
7. How do I get unemployment? You need to apply with your state agency. In Washington, that is the Employment Security Department (ESD). Apply here: ttps://esd.wa.gov/unemployment. For Idaho, unemployment is handled by the Department of Labor. Apply here: https:.//www2.labor.idaho.gov/ClaimantPortal/Login.
8. What if I am a gig worker, a part-time employee, or self-employed and my business has been shut or I can't work ? Can I get unemployment? In the past, the answer to that is no. But, the new bill passed federally has a pandemic provision that will expand unemployment benefits during the crisis to those people traditionally excluded from unemployment. However, each state needs to update its structure and programs already in place to handle these newly-expanded claims. In Washington and Idaho where claims are handled electronically, this should be quicker, but be prepared to wait.
9. If I am a small business owner, is it true I will get loan forgiveness for a Small Business Administration (SBA) loan? It depends on a couple of factors. First, you must have employees and you must be paying your employees during this crisis. If that is true, then you may be able to get forgiveness for loan monies used for payroll, mortgage, rent and utilities. Your business must have existed as of February 15, 2020 and forgiveness will run for provable coronavirus-based losses through June 2020.
10. How do I get an SBA loan for my small business? You still must qualify and apply through an SBA-approved lender. There are a number of exceptions to your ability to obtain a loan. More information can be found here: https://home.treasury.gov/policy-issues/top-priorities/cares-act/assistance-for-small-businesses.
Need more help for your business or personal employment/job situation? Contact us for a consult.
Our firm is pleased to announced that our founding principal has again been honored with a Pro Bono Publico Service Commendation from the Washington State Bar Association for 2018. Our firm completed hundreds of hours of pro bono services for clients who simply cannot afford attorneys in civil matters like family law, landlord tenant disputes, and consumer questions.
If you are in need of free legal aid and you meet the income requirements in Washington State (within 200% of federal poverty guidelines or $51,500 for a family of four using 2019 numbers). If you fit this and need a lawyer for a civil matter in Washington, you must contact the CLEAR hotline 1-888-201-1014 for intake or complete the intake online at www.nwjustice.org.
If you don't know if you qualify or have questions about where to go in Washington (or Idaho), we are always happy to answer your questions about who to contact.
On Sunday, July 23, Washington's new distracted driving law goes into effect. What do you need to know?
1. You are forbidden virtually all use of phones, tablets laptops, and gaming devices while driving. This includes at a stop sign or stopped.
2. You can still have a phone in a dashboard cradle for navigation, but no watching last night's "Daily Show" or any other video.
3. Hands free systems in your car are still fine.
4. The initial fine is $136. The second citation is $235.
5. Distracted driving tickets will get reported to your insurance company.
6. Grooming (makeup, hairbrushing, beard brushing) and eating are "secondary offenses," so if you are pulled over for another reason, you can be cited an extra $30 for that kind of distraction.
Keep you hands on the wheel and your eyes on the road, and text when parked. Brush your teeth before you leave the house and eat your fries when you get home.
In employment settings, you often hear the term "at will" or "at will employee," but what does that really mean? It means that your employer can fire you for any reason or no reason at any time without any notice, so long as the real reason for firing you as the employee is not unlawful in some way. Almost every state has some iteration of at will employment laws. At will employment also means that the employee can leave when she or he wants as well.
Exceptions to at will employment include:
1. Employees with employment contracts (this is rare in Washington and Idaho)
2. Union employees bound by a collective bargaining or union agreement
3. Independent Contractors
If you are an at will employee, you are usually notified of that upon hiring, in an employee handbook, and in employer-led trainings. You should assume that if you are an employee in Washington or Idaho, and you don't fit one of the above-three exceptions, you are at will. Your termination is only unlawful (or, wrongful termination): (1) if you've been unlawfully discriminated against as a member of a protected class (veterans, women, persons of color, religion, sexual orientation); (2) if you've reported a violation of a local, state, or federal violation of a law or regulation; or (3) if your employer failed to follow its handbook procedures in terminating you (such as failure to follow progressive discipline policies that are in writing). We'll talk more about unlawful termination in our next Employment 101 post.
In the meantime, if you are an employee or employer with questions about being terminated or terminating, GIANTlegal is happy to help.
All blog posts are written by members of the GIANTlegal team, unless otherwise indicated. Information contained in our blog does not constitute legal advice, nor does it create an attorney-client relationship.