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Covid-19

Covid-19

Resources for Covid-19 from the Windsor Chamber of Commerce


This guide will be updated regularly as new information is made available.

March 30 Updates


The federal CARES Act was signed into law Friday. The Act invests over $2 trillion in funding for Covid-19 relief, including $4.9 billion in aid to Connecticut small businesses. This is a long update, as the Act contains many programs; please read the whole thing through, as there will undoubtedly be something in the list that can help you and your business. If you have any questions or need assistance applying for any of these programs, please reply to this email or call the Chamber at 860-688-5165. We're here to help!

Click here for an exhaustive guide to the small business provisions of the CARES Act.

Direct Payments Begin Within 3 Weeks: The Act provides for direct cash payments to individuals of $1,200 per adult and $500 per child under 17. The rebates will be paid out as advance refunds (in the form of checks or direct deposit) based on your 2019 tax returns (or 2018, if a 2019 return has not yet been filed). The IRS hopes to begin issuing the rebates within three weeks.

Individuals with adjusted gross income under $75,000 ($112,500 for head of household and $150,000 for joint filers) who are not dependents of another taxpayer are eligible for the full rebate. Payments for incomes between $75,001 and $99,999 are phased out at a 5% rate, and an individual earning $99,000 per year and above would not receive a payment.

Self-Employed Now Eligible for Unemployment: Pandemic Unemployment Assistance (PUA) provides up to 39 weeks of emergency unemployment assistance to self-employed workers, including independent contractors and freelancers. The benefit for the self-employed is $600 plus half the average Connecticut unemployment benefit amount. If you are still working, but less than before the outbreak, you are eligible to apply for partial unemployment on a pro rata basis. You can apply for unemployment here.

Paycheck Protection Program: Small businesses are now eligible for SBA-backed loans of up to $10 million for payroll and certain other expenses. If all employees are kept on payroll for eight weeks, SBA will forgive the portion of the loans used for payroll, rent, mortgage interest, or utilities. Up to 100 percent of the loan is forgivable. Businesses with 500 or fewer employees, including sole proprietors, contractors, and freelancers, may apply.

The eligible forgivable amount equals the amount of money spent during the eight weeks from the origination of the loan on: payroll costs (excluding costs for any compensation above $100,000 annually), mortgage interest, rent payments and utility payments combined.

The application information has not yet been released. We understand this will be done through a network of lenders, but the details are still being negotiated.

Click here for a full guide to the Paycheck Protection Program.

SBA Debt Relief: If you have a preexisting SBA loan under the 7(a) program, a 504 loan, or a microloan, the SBA will cover all loan payments for existing SBA borrowers, including principal, interest, and fees, for six months.

Economic Injury Disaster Loans and Emergency Economic Injury Grants: The application process for Economic Injury Disaster Loans has been streamlined. These low-interest (up to 3.75%) loans are available directly from the SBA to any small business that has been injured by the Covid-19 outbreak. Click here to apply.

Even better, anyone applying for an EIDL may request an advance of up to $10,000, which will be paid within three days of applying. The advance does not need to be repaid under any circumstance, and may be used to keep employees on payroll,to pay for sick leave, meet increased production costs due to supply chain disruptions, or pay business obligations, including debts, rent and mortgage payments.

Tax Provisions Benefitting Small Businesses Not Eligible For the Paycheck Protection Program: For small businesses that are not eligible or choose not to apply for PPP funds, two additional tax-related benefits are available.
  • Payroll Taxes Deferred Through 2020: Employers may defer payroll taxes accrued through the end of 2020. Deferred taxes will not become due until the end of 2021 and end of 2022, with 50% of the liability being paid at each date.
  • Employee Retention Credit: Employers whose operations were fully or partially suspended due to a COVID-19 government-mandated shut-down order, or employers whose gross receipts declined by greater than 50 percent when compared to the corresponding calendar quarter of the prior year, are eligible for a refundable tax credit equal to 50 percent of qualified wages up to $10,000 paid to each employee ($5,000 in actual credit per employee).

Bewildered? There's Help: The Chamber is here to help guide you through all these programs. The Connecticut Small Business Development Center is also standing ready to provide assistance, both with these new programs and with advice and guidance on adapting to this great challenge. Finally, the Connecticut Department of Economic and Community Development (DECD) has created a COVID-19 Business Emergency Response Unit dedicated to assisting businesses navigate resources and develop new resources. A dedicated phone line is available at 860-500-2333.

March 27 Updates


Join Our Virtual Roundtable Monday: The Hartford Courant wrote up our first Virtual Roundtable, which was held this past Monday. Click here to read the article. Our next call is this Monday from 12-1 p.m. This is an opportunity to share how you're grappling with the Covid-19 crisis, get ideas from your peers, and support each other. Executive Director Adam Gutcheon and Jim Burke from the Town of Windsor will review the current state of the crisis, state and federal business relief measures, and what the Town and Chamber are doing in response. We will follow up on several items raised at last Monday's session. Click here for more information, including how to join.

More Rules for Restaurants: Gov. Lamont issued an Executive Order last night for restaurants and any other business selling food for off-premises consumption. These businesses now must use best efforts to:
  • Limit entrance of customers into their locations to the minimum extent necessary to pick up and/or pay for orders
  • Use touchless payment systems
  • Require remote ordering and payment, whether by telephone, computer, mobile application, or other technology.
Businesses are not required to acquire or purchase new ordering or payment technology in order to comply with this order. Drive-through ordering and pickup, and in-person payment or cash payment, are still allowed where there is no reasonable alternative.

More Rules for Retail: In the same order, the Governor required retailers that are still open to use best efforts to:
  • Ensure customers maintain six feet of distance between each other
  • Manage any resulting lines to maintain six feet of distance while people are waiting to enter
  • Where practical, employ touchless payment technology if they already have such technology available.

Federal Stimulus Before the House: The Senate passed over $2 trillion in stimulus funds earlier this week. The bill is now before the House of Representatives. In addition to the well-publicized cash payments to households of $1200 per person, the bill includes new funding and programs to help get small business through the crisis.
  • Pausing the payment of payroll taxes, which will grant businesses relief so they have more cash to keep employees on their payrolls.
  • Lending and grants for small businesses that will enable this sector to endure through the crisis. If employers maintain their payrolls until June, the portion of the loans used for payroll costs, interest on mortgage obligations, rent, and utilities would be forgiven. Self-employed individuals will be able to access these loans.
  • Establishing a bridge loan facility, similar in kind but much larger in scale than the State of Connecticut's zero-interest, 12-18 month loan program announced yesterday, that will enable businesses to continue to pay employees and provide essential operations for a time on far less, or no revenue.
These three programs represent $4.9 billion in aid to small business in Connecticut.

Online Community Benefit Auction Begins in One Week: A pandemic can't stop the Windsor community from coming together to support each other! The Chamber Cares 2020 Auction will be held online for the first time from Friday, April 3, to Friday, April 10. In addition to its previously announced beneficiaries, the auction will benefit local charities providing relief to households experiencing loss of income due to the Covid-19 crisis: the Windsor Food & Fuel Bank and the Neighbors in Need Fund of the United Way of Central and Northeastern Connecticut. Additional Covid-19 relief charities may be announced before the auction begins. Register to participate now at windsor2020.givesmart.com.

The Windsor Food & Fuel Bank works to ensure that no Windsor resident goes hungry, is cold, or is without basic necessities. The Neighbors in Need Fund assists individuals and families in central and northeastern Connecticut in economic distress due to the Covid-19 crisis with food, emergency assistance, and childcare. Previously announced beneficiaries include the Windsor Education Foundation, Music School at Sound Crossing, and the Chamber.

In addition to dozens of unique items and experiences for sale, the Chamber Cares auction will feature $25 surprise boxes, containing at least $25 in gift cards to local businesses.

Register to participate now at windsor2020.givesmart.com. If you'd like to donate an item or gift certificate, please reply to this email.

March 26 Update


Apply Right Now for Zero-Interest Loans: The State of Connecticut is offering short-term, no-interest bridge loans of up to $75,000 to small businesses with less than 100 employees impacted by the coronavirus pandemic. Repayment would be over 12-18 months. Connecticut Recovery Bridge Loan Program funding is available immediately through the Department of Economic and Community Development.

Funds from the $25 million short-term emergency loan program will be allocated on a first-come, first-served basis. Because of this, the Chamber strongly urges you to apply immediately, before the funds are exhausted. Click here to learn more about the program, including eligibility requirements and terms and conditions.

March 23 Updates:


Good News From the IRS: The IRS has announced it will provide immediate reimbursement for Covid-19 related employee medical leave, up to the limits set by the Families First Coronavirus Response Act, for employers of up to 500 employees. The cost of not just the leave but also of health insurance during the leave will be covered. You'll be able to deduct the costs of on-leave employees' pay and insurance from your payroll tax payments; if your costs are higher than your payroll tax due, you can apply for accelerated payment from the IRS. Please consult your payroll or tax professional for details.

New Paid Leave Requirements:
  • Employees of eligible employers can receive two weeks (up to 80 hours) of paid sick leave at 100% of the employee's pay where the employee is unable to work because the employee is quarantined, and/or experiencing COVID-19 symptoms, and seeking a medical diagnosis.
  • An employee who is unable to work because of a need to care for an individual subject to quarantine, to care for a child whose school is closed or child care provider is unavailable for reasons related to COVID-19, and/or the employee is experiencing substantially similar conditions as specified by the U.S. Department of Health and Human Services can receive two weeks (up to 80 hours) of paid sick leave at 2/3 the employee's pay.
  • An employee who is unable to work due to a need to care for a child whose school is closed, or child care provider is unavailable for reasons related to COVID-19, may in some instances receive up to an additional ten weeks of expanded paid family and medical leave at 2/3 the employee's pay.
  • Employers with fewer than 50 employees are eligible for an exemption from the requirements to provide leave to care for a child whose school is closed, or child care is unavailable in cases where the viability of the business is threatened.

Refundable Tax Credits for Paid Leave:
  • For an employee who is unable to work because of Coronavirus quarantine or self-quarantine or has Coronavirus symptoms and is seeking a medical diagnosis, eligible employers may receive a refundable sick leave credit for sick leave at the employee's regular rate of pay, up to $511 per day and $5,110 in the aggregate, for a total of 10 days.
  • For an employee who is caring for someone with Coronavirus, or is caring for a child because the child's school or child care facility is closed, or the child care provider is unavailable due to the Coronavirus, eligible employers may claim a credit for two-thirds of the employee's regular rate of pay, up to $200 per day and $2,000 in the aggregate, for up to 10 days.
  • In addition to the sick leave credit, for an employee who is unable to work because of a need to care for a child whose school or child care facility is closed or whose child care provider is unavailable due to the Coronavirus, eligible employers may receive a refundable child care leave credit. This credit is equal to two-thirds of the employee's regular pay, capped at $200 per day or $10,000 in the aggregate. Up to 10 weeks of qualifying leave can be counted towards the child care leave credit.
  • Eligible employers are entitled to an additional tax credit determined based on costs to maintain health insurance coverage for the eligible employee during the leave period.

Final guidance on this program has yet to be released by the IRS; visit the IRS Coronavirus Tax Relief site for more information as it becomes available.

March 20 Updates:


Join Our Virtual Roundtable Monday: The Chamber is holding a weekly virtual Business Roundtable on Mondays from 12-1 p.m., starting this Monday, March 23. This is an opportunity to share how you're grappling with the Covid-19 crisis, get ideas from your peers, and support each other. Executive Director Adam Gutcheon and Jim Burke from the Town of Windsor will review the current state of the crisis, state and federal business relief measures, and what the Town and Chamber are doing in response. Click here for more information, including how to join.

Stay Safe, Stay Home: Gov. Ned Lamont has ordered all workers at "non-essential" businesses to stay home. Grocery stores, pharmacies and other necessary businesses are allowed to remain open. Restaurants are still able to provide takeout services. Construction and manufacturing can continue as well.

Retail and Restaurant Guide: The Chamber has compiled a listing of member retailers and restaurants, with their hours and how they've adjusted service. Please support your local businesses as much as you can! We're all stronger when we have a community behind us. Restaurants are still able to provide takeout service and some retailers can take your order over the phone or online.

Tax Day is July 15: The IRS has pushed Tax Day back by three months. Both the filing and payment deadlines will be July 15.

March 18 Updates:


Business Emergency Response Unit: The Connecticut Department of Economic and Community Development (DECD) is launching the COVID-19 Business Emergency Response Unit, which will be dedicated to helping businesses in Connecticut navigate the resources available to them during this crisis. Small businesses seeking guidance can reach this unit by calling 860-500-2333.

Important Survey: In addition, DECD and Advance CT, a nonprofit organization that works to advance economic competitiveness in Connecticut, today began distributing a comprehensive survey to businesses to get information on what types of resources they need throughout the duration of this pandemic. This will help the state gather important information on the economic recovery from the COVID-19 pandemic. The data collected will guide the governor as he puts together economic relief efforts; please click here and take a moment to fill out the survey.

Alternatives to Layoffs: If you are in the unfortunate situation of needing to temporarily reduce your workforce, Connecticut's Shared Work program can help! Shared Work, designed to save jobs and retain skilled workers, offers an alternative to layoffs by allowing employers to temporarily reduce employee hours and supplement lost wages with the help of partial unemployment benefits. Under the program, all employers with two or more employees can participate. When business upturns, employees resume regular hours and employers are able to ramp up quickly with an experienced team in place. This is a win-win for employer and employee alike. Learn more and apply for the program here.

March 17:


While we can’t provide you with a cure or vaccine, we can offer you some information that might be of assistance. Most importantly: only trust sources that you know to be believable, credible sources.

Chamber Activities: The Chamber office is open by appointment only until further notice. All Chamber committee meetings will take place via conference call. Committee members will be notified of the protocol for participating on the call. General membership meetings/events, such as the Windsor Business Connection and Business After Hours, are postponed until this crisis subsides.

Furthermore, the Chamber Cares Auction will be held online. This will allow us to stay safe while offering the opportunity to participate in Windsor’s First-Ever Online Community Benefit Auction to the whole community. Your help promoting this online event to your employees, co-workers, and friends, through your social media and word of mouth, will be crucial.

Workplace Safety: The following recommendations are taken from the Interim Guidance for Businesses and Employers from the Centers for Disease Control (CDC). Click here to read the full version.
  • Actively encourage sick employees to stay home
  • Separate sick employees
  • Emphasize staying home when sick, respiratory etiquette and hand hygiene by all employees
  • Perform routine environmental cleaning
  • Advise employees before traveling to take certain steps: Check the CDC’s Traveler’s Health Notices here.

The US Occupational Safety and Health Administration (OSHA) has a website dedicated to the Coronavirus. You can access it here.

Employee Leave: The U.S. Department of Labor Wage and Hour Division has information related to requirements under the Fair Labor Standards Act and job-protected leave under the Family and Medical Leave Act. You can find that information here.

Emergency Financing: The U.S. Small Business Administration (SBA) has set up an emergency loan fund to assist small businesses affected by the Coronavirus. SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance for a small business. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. Information about accessing the loans can be found by clicking here.

These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. The interest rate for non-profits is 2.75%.

Telework and Software Resources: The Chamber has put together a list of software that can be used for telework and remote collaboration. You can access the list here. There's also a list of software that has been made available for free or reduced prices here.

Filing extensions: The Department of Revenue Services has extended deadlines for filing and payments associated with certain state business tax returns. Click here for details.

Unemployment assistance: Workers directly impacted by the coronavirus pandemic no longer must be actively searching for work to qualify for unemployment assistance. And employers who are furloughing workers can use the Department of Labor’s shared work program, which allows businesses to reduce working hours and have those wages supplemented with unemployment insurance. DOL has more information about these and other changes.

We hope that you find this information helpful. A little common sense and good, healthy practices will go a long way to help protect you and your employees.


Windsor Retail and Restaurant Covid-19 Guide
Windsor Retail and Restaurant Covid-19 Guide

Events

Blood Pressure Screening POSTPONED
1st Wednesdays at Senior Center located at LP Wilson Community Center.
Bring Gadgets to Geeks POSTPONED
Apr 1 at Windsor Public Library
Red Door Food Pantry CLOSED
Wednesdays at Grace Episcopal Church, 311 Broad St., Windsor, CT
Intermediate Adult Art POSTPONED
Thursdays through May 28th at Windsor Art Center Train Station Studios
Toastmasters Meeting POSTPONED
1st & 3rd Thursdays at 175 Addison Road, Windsor, CT
Art Opening Reception POSTPONED
Apr 5 at Council Chambers at Windsor Town Hall
Spring Art Exhibit POSTPONED
Apr 5 at Windsor Town Hall
Intermediate II Adult Art POSTPONED
Mondays through June 8th at Windsor Art Center Train Station Studios
Intermedia. III Adult Art POSTPONED
Mondays at Windsor Art Center Studios
Start, Manage, &Grow Your Business
Apr 6 at Wilson Branch Library, 365 Windsor Avenue, Windsor, CT 06095
Learn to Crochet POSTPONED
Apr 7 at Windsor Public Library
Preparing Estate Plan POSTPONED
Apr 7 at Windsor High School, Rm. A114
Alzheimer's Support Group
2nd Wednesdays at Kimberly Hall North
B.P. Educational Sessions
Apr 8 at Windsor Town Hall
Bring Gadgets to Geeks POSTPONED
Apr 8 at Windsor Public Library
Red Door Food Pantry CLOSED
Wednesdays at Grace Episcopal Church, 311 Broad St., Windsor, CT
Start, Manage, & Grow Your Business
Apr 8 at Windsor Public Library 323 Broad Street
Andy and Judy - Folk Music
Apr 9 at Windsor Public Library
Intermediate Adult Art POSTPONED
Thursdays through May 28th at Windsor Art Center Train Station Studios
Intermediate II Adult Art POSTPONED
Mondays through June 8th at Windsor Art Center Train Station Studios
Intermedia. III Adult Art POSTPONED
Mondays at Windsor Art Center Studios
Job Application Appointments
Apr 13 at Windsor Public Library
Kids Acting Workshop
Apr 13 at Wilson Branch Library, 365 Windsor Avenue, Windsor, CT 06095
Animal Friends Storytime
Apr 14 at Wilson Branch Library, 365 Windsor Avenue, Windsor, CT 06095
Board of Directors Mtg
Apr 14 at Chamber Office
Bring Gadgets to Geeks POSTPONED
Apr 15 at Windsor Public Library
Business After Hours
Apr 15 at Windsor Station, 55 Mechanic St
Red Door Food Pantry CLOSED
Wednesdays at Grace Episcopal Church, 311 Broad St., Windsor, CT
Intermediate Adult Art POSTPONED
Thursdays through May 28th at Windsor Art Center Train Station Studios
Programs Committee Mtg POSTPONED
Apr 16 at Bart's Drive In, 55 Palisado Ave, Windsor
Toastmasters Meeting POSTPONED
1st & 3rd Thursdays at 175 Addison Road, Windsor, CT
POSTPONED: Wine & Beer Tasting
Apr 18 at St. Gabriel Church Hall, 379 Broad Street, Windsor
Intermediate II Adult Art POSTPONED
Mondays through June 8th at Windsor Art Center Train Station Studios
Intermedia. III Adult Art POSTPONED
Mondays at Windsor Art Center Studios
Lunch Program - 60+ DELIVERY/PickUp
Weekdays at the Senior Center
Learn to Crochet POSTPONED
Apr 21 at Windsor Public Library
Tourism Committee Meeting POSTPONED
Apr 21 at Chamber office
Bring Gadgets to Geeks POSTPONED
Apr 22 at Windsor Public Library
Red Door Food Pantry CLOSED
Wednesdays at Grace Episcopal Church, 311 Broad St., Windsor, CT
Intermediate Adult Art POSTPONED
Thursdays through May 28th at Windsor Art Center Train Station Studios
Job Application Appts POSTPONED
Apr 23 at Windsor Public Library
Screenprinting &Sustainable Fashion
Apr 23 at Windsor Public Library
Veterans Coffee Hour POSTPONED
4th Thursdays at Windsor Senior Center, 599 Matianuck Avenue, Windsor, CT
Intermediate II Adult Art POSTPONED
Mondays through June 8th at Windsor Art Center Train Station Studios
Intermedia. III Adult Art POSTPONED
Mondays at Windsor Art Center Studios
Monday Morning Book Club
Apr 27 at Windsor Public Library
Learn to Crochet POSTPONED
Apr 28 at Windsor Public Library
Bring Gadgets to Geeks POSTPONED
Apr 29 at Windsor Public Library
Red Door Food Pantry CLOSED
Wednesdays at Grace Episcopal Church, 311 Broad St., Windsor, CT
Intermediate Adult Art POSTPONED
Thursdays through May 28th at Windsor Art Center Train Station Studios
Intermediate II Adult Art POSTPONED
Mondays through June 8th at Windsor Art Center Train Station Studios
Intermedia. III Adult Art POSTPONED
Mondays at Windsor Art Center Studios
Bring Your Gadgets to the Geeks
May 5 at Windsor Public Library
Blood Pressure Screening POSTPONED
1st Wednesdays at Senior Center located at LP Wilson Community Center.
Red Door Food Pantry CLOSED
Wednesdays at Grace Episcopal Church, 311 Broad St., Windsor, CT
Windsor Business Connection
1st Wednesday at online
Duck Delirium Exhibit last few days
May 7 at 40 Mechanic Street, Windsor
Intermediate Adult Art POSTPONED
Thursdays through May 28th at Windsor Art Center Train Station Studios
Toastmasters Meeting POSTPONED
1st & 3rd Thursdays at 175 Addison Road, Windsor, CT
HBG RPG Nights at the Bean
May 9 at The Bean @ 226
Windsor Pet Food Pantry and Shelter
May 9 at Bart's Drive In, 55 Palisado Ave
Intermediate II Adult Art POSTPONED
Mondays through June 8th at Windsor Art Center Train Station Studios
Intermedia. III Adult Art POSTPONED
Mondays at Windsor Art Center Studios
Bring Your Gadgets to the Geeks
May 12 at Windsor Public Library
Board of Directors Mtg
May 12 at Chamber Office
Alzheimer's Support Group
2nd Wednesdays at Kimberly Hall North
B.P. Educational Sessions
May 13 at Windsor Town Hall
Business After Hours
May 13 at The Tavern at Keney Park, 171 Windsor Ave
Red Door Food Pantry CLOSED
Wednesdays at Grace Episcopal Church, 311 Broad St., Windsor, CT
Art Demonstration
May 14 at L.P. Wilson Community Center
Intermediate Adult Art POSTPONED
Thursdays through May 28th at Windsor Art Center Train Station Studios
Intermediate II Adult Art POSTPONED
Mondays through June 8th at Windsor Art Center Train Station Studios
Intermedia. III Adult Art POSTPONED
Mondays at Windsor Art Center Studios
Bring Your Gadgets to the Geeks
May 19 at Windsor Public Library
Tourism Committee Meeting POSTPONED
May 19 at Chamber office
Red Door Food Pantry CLOSED
Wednesdays at Grace Episcopal Church, 311 Broad St., Windsor, CT
Lunch Program - 60+ DELIVERY/PickUp
Weekdays at the Senior Center
Intermediate Adult Art POSTPONED
Thursdays through May 28th at Windsor Art Center Train Station Studios
Programs Committee Mtg POSTPONED
May 21 at Bart's Drive In, 55 Palisado Ave, Windsor
Toastmasters Meeting POSTPONED
1st & 3rd Thursdays at 175 Addison Road, Windsor, CT
Drop in Adult Games at Luppoleto
May 23 at Luppoleto Brewery, 20 Main St Windsor Locks CT 06096
Intermediate II Adult Art POSTPONED
Mondays through June 8th at Windsor Art Center Train Station Studios
Intermedia. III Adult Art POSTPONED
Mondays at Windsor Art Center Studios
Bring Your Gadgets to the Geeks
May 26 at Windsor Public Library
Red Door Food Pantry CLOSED
Wednesdays at Grace Episcopal Church, 311 Broad St., Windsor, CT
Intermediate Adult Art POSTPONED
Thursdays through May 28th at Windsor Art Center Train Station Studios
Veterans Coffee Hour POSTPONED
4th Thursdays at Windsor Senior Center, 599 Matianuck Avenue, Windsor, CT