Resources

Below is a list of resources for economic relief and COVID-19 healthcare.   

Washington Department of Health Guidelines for Rideshare and Taxi Drivers

https://www.doh.wa.gov/Emergencies/COVID19/ResourcesandRecommendations/RideshareandTaxiDrivers

FREE COVID TESTING SITES

SEATTLE/KING COUNTY – The link below lists all test sites in Seattle and King County and how to make reservations to get tested.

https://www.kingcounty.gov/depts/health/covid-19/testing.aspx

TACOMA/PIERCE COUNTY – The link below lists all test sites in Tacoma and Pierce County and how to make reservations to get tested.

https://www.tpchd.org/healthy-people/diseases/covid-19/testing-information

EVERETT/SNOHOMISH COUNTY – The link below lists all test sites in Tacoma and Pierce County and how to make reservations to get tested.

https://www.snohd.org/503/Drive-Thru-Testing-Available-by-Appointm

ALL OTHER WASHINGTON CITIES AND COUNTIES – The link below will take you to the Washington Department of Health where you can find more information on testing in other areas of the state.

https://www.doh.wa.gov/Emergencies/COVID19

ECONOMIC RESOURCES

WASHINGTON STATE RESOURCES

Working Washington Small Business Emergency Grants (ROUND 4 NEW APPLICATIONS OPENING LATE MARCH)

Governor Jay Inslee added an additional $50 million for the Department of Commerce’s Working Washington Small Business Grant program. This program is designed to grant small business here in Washington State up to $20,000 to help them with business operating costs.  Gig-Workers should be eligible for these funds as you are operating a business in the State of Washington as an independent contractor. Requirements are listed and Applications are being accepted through the following link.

http://startup.choosewashingtonstate.com/working-washington-round-3/

PERSONAL FINANCIAL ASSISTANCE (INCLUDING FOOD, HOUSING, CHILDCARE, HEALTHCARE, ETC.)

Below is a link to the Washington State Coronavirus Response website list of resources available to Washington residents including immigrants.  On this page you will be able to navigate to state agencies and programs that can provide you financial and other types of aid.

https://coronavirus.wa.gov/you-and-your-family#financial

FEDERAL GOVERNMENT RESOURCES (CARES ACT)

As many of you have heard on the news there have been many programs established for small businesses like yours to get relief through the federal CARES Act passed by Congress on March 27th.  These programs include the Pandemic Unemployment Assistance (PUA) program, the Economic Injury Disaster Loan Emergency Advance (EIDL), and the Paycheck Protection Program (PPP). (Yes, the federal government like their anacronyms!)  Additionally, the State of Washington has created the Working Washington Small Business Emergency Grants program.  We will give brief descriptions of the programs here with links to documents/pages with more details for those who want to get in the weeds.

Pandemic Unemployment Assistance Program (ACTIVE)

If you have applied for unemployment or the Pandemic Unemployment Assistance program through the Washington State ESD please click here to take this short survey on your experience of the application process.

Let’s start with the program that most of our members will likely be accessing for temporary relief funding, the Pandemic Unemployment Assistance (PUA) program. This program will be run through the Washington State Employment Security Department (ESD). 

  • PUA provides up to 50 weeks of benefits to qualifying individuals beginning retroactively on or after January 27, 2020 through March 13, 2021
  • PUA will include individuals not eligible for regular unemployment benefits like self-employed individuals, part-time workers, or workers with limited work history.
  • PUA funds will be distributed through the Washington State Employment Security Department (ESD)
  • ESD has created a webpage that has information on how to apply and the link to the application page on their website. https://esd.wa.gov/unemployment/cares-act
  • ESD has published this basic eligibility checker for you to use to see if you qualify for regular unemployment or PUA funds (keep in mind that if you receive a Form 1099 then you are an Independent Contractor or Self-Employed). 
  • As most of us are Self-Employed are likely covered under the PUA.
  •  We are recommending you list your employer as the legal business name listed on your City of Seattle, Washington State, or other local jurisdiction business license.
  • In addition to the PUA the CARES Act also expanded unemployment through the Federal Pandemic Unemployment Compensation program which now adds $300/week to all unemployment payments to eligible individuals beginning December 26 2020 through March 13 2021
  • According to guidelines issued by the US Secretary of Labor to the state agencies managing the PUA and FPUC programs we expect them to base weekly benefit amounts for self-employed individuals on net business income as declared on their previous year’s tax return
  • From the Secretary’s guidelines and data from ESD we anticipate if eligible, weekly benefits for self-employed individuals through the PUA should be, but is not guaranteed to be, between approximately $240-$790/week plus the $300/week FPUC payment.

If you have applied for unemployment or the Pandemic Unemployment Assistance program through the Washington State ESD please click here to take this short survey on your experience of the application process.

Economic Injury Disaster Loan Emergency Advance (CLOSED TO NEW APPLICATIONS)

The Economic Injury Disaster Loan Emergency Advance (EIDL) program is run by the Small Business Administration and is designed to provide quick relief to small businesses which have suffered some revenue loss due to the COVID-19 crisis. To be eligible your business has to:

  • Meet the SBA’s criteria on being a small business
  • Suffered a business revenue loss due to the COVID-19 crisis
  • Not engaged in certain business activities or categories such as gambling

If you are approved for the program you will receive a grant of up to $10,000 that does not have to be repaid to the SBA. The application requires that you know/have:

  • Your business structure such as LLC, Sole Proprietor, Independent Contractor, etc
  • Your SSN or EIN depending on your business structure
  • Your gross business revenue for 2019
  • Your cost of goods sold for 2019 if any (for most rideshare and delivery divers this should be $0)
  • Your bank or credit union’s direct deposit routing number and your account number

The SBA says the funds can be disbursed as quickly as in a few days but likely will be much longer. To apply for the EIDL follow the link below to the SBA website.

https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/economic-injury-disaster-loan-emergency-advance

Paycheck Protection Program (CLOSED TO NEW APPLICATIONS)

This program appears least likely to be very beneficial to most of Drive Forward’s members as we are mostly Independent Contractors or Sole Proprietors with one employee, ourselves. The Paycheck Protection Program (PPP) is designed to help small businesses meet payroll and other expenses through a forgivable low interest loan.  Here are some basic highlights of the program:

  • Applications are accepted through SBA approved lenders, or federally insured banks and credit unions
  • Loans are forgivable if all employees are kept on the payroll for eight weeks and funds are used only for payroll, rent, mortgage interest, or utilities.
  • Amount of forgiveness will be base on percent of funds used for payroll, number of employees retained, maintaining employees’ salary levels.
  • Loan has a 2-year maturity and 1% interest rate, payments can be deferred for 6 months
  • Businesses must meet SBA’s small business definition criteria and be affected by the COVID-19 Crisis

While we anticipate most of Drive Forward’s members would not find this program very useful, we wanted to share it anyway because we know some of our members have other business that they own/operate that might qualify for this program. For more information on the PPP or to find out how to apply follow the link below to the SBA website.

https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp