Economic Resources

Economic Restart Resources


Business/Employer Resources: Click here
Economic Recovery Instructions for Business from the Logan County Health District
Sample Diagram for Reopening Businesses

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BUSINESS/EMPLOYERS

Economic Restart FAQ

- Reopening Your Business
- Bringing Employees Back to Work
- Personal Protective Equipment
- Small Business Loans and Grants
- Unemployment
- Business Procedures and Updates
- Lending a Hand

REOPENING YOUR BUSINESS
When am I allowed to open?

Refer to the State of Ohio’s Responsible RestartOhio website for information on industry opening dates.

What do I need to do to open?
Refer to the Sector Specific Operating Requirements on the Responsible RestartOhio page for information. There are several great checklists available.

What do I need to file with the Health Department?
Click here for a pdf copy of the Logan County Health Department’s guidelines and a sample business diagram.

Who can help me with my opening plans?
The Logan County Health District can provide recommendations and guidance for health and safety protocols. Contact the Logan County Building Authority or the Bellefontaine Fire Department for help determining your maximum occupancy.

How do I determine my max occupancy?
A typical maximum occupancy during the COVID-19 pandemic is 50% of the fire code. However, we encourage you to contact the Logan County Building Authority or the Bellefontaine Fire Department for help determining your maximum occupancy.

How do I keep my employees and the public safe in my place of business?
You can refer to the Sector Specific Operating Requirements on the Responsible RestartOhio page for mandatory guidelines and also recommended best practices.

What signage should I post?
We recommend posting your maximum occupancy during the pandemic (click here for a printable pdf) plus any social distancing requirements for your employees and visitors to your business.
Business Postings for COVID-19: Maximum Occupancy (customizable) & COVID-19 Symptoms

What protective equipment do I need to give my employees?
Employees in the state of Ohio are required to wear masks except for certain predetermined reasons; refer to the Sector Specific Operating Requirements for details on exceptions. You must also provide hand sanitizer and disinfectant when possible.

Where do I get PPE?
You can request basic PPE in any amount from the Chamber at this link. For larger orders, we recommend the following Chamber members:
American Solutions for Business
(937) 308-1611 │ www.americanbus.com  or americanpromo.com
Key Supply
(937) 464-5397 │ www.keysupplyinc.com
McAuliffe’s Industrial
(937) 642-2911 │ www.mcauliffes.com

What Chamber benefits can help me right now?
There are so many cost-saving opportunities for Chamber members! Click here for a full list on our website. Here are just a few examples:
• Save 2% on all office supply purchases
• Save up to 53% on your workers’ compensation premiums
• Get access to discounted HR consulting and remote HR services
• Health insurance and dental plans for Chamber members - now including for sole proprietors!  (Return to Top)

BRINGING EMPLOYEES BACK TO WORK
How can I help bring employees back?

There are many things you can do to help your employees return to work successfully:
Understand that some of your employees may be hesitant or even scared to return to work because of the risk of infection. Be sure you have taken steps to ensure their workspace is clean and safe, and share details of the measures you are taking to ensure their continued safety and health.
• Consider which of your employees to bring back first based on your business’ needs as well as your ability to comply with local, state, and federal regulations.
Establish company policies regarding social distancing and make these policies readily available to all employees.
SharedWork Ohio is a great alternative to long term layoffs and a means to gradually bring staff back to work. The program allows an employer to reduce employee hours 10-50% and while allowing employees to remain eligible for unemployment pay (including the extra $600 from federal government). This helps overcome the issue of employees not wanting to return due to high unemployment benefits. Visit the SharedWork Ohio website for more information.

What if an employee refuses to return to work?
Refer to the Ohio Unemployment Help Website for directives on proper documentation and reporting for any work refusals. The email address to send work refusal information to is UIReturntoWork@jfs.ohio.gov  (Return to Top)

PERSONAL PROTECTIVE EQUIPMENT
Where do I get PPE?

You can request basic PPE in any amount from the Chamber at this link. For larger orders, we recommend the following Chamber members:
American Solutions for Business
(937) 308-1611 │ www.americanbus.com  or americanpromo.com 
Key Supply
(937) 464-5397 │ www.keysupplyinc.com
McAuliffe’s Industrial
(937) 642-2911 │ www.mcauliffes.com

What protective equipment do I need to give my employees?
Employees in the state of Ohio are required to wear masks except for certain predetermined reasons; refer to the Sector Specific Operating Requirements for details on exceptions. You must also provide hand sanitizer and disinfectant when possible. (Return to Top)

SMALL BUSINESS LOANS AND GRANTS
I have a PPP loan. How do I maximize loan forgiveness?

Visit the SBA website for details on loan forgiveness.

The PPP is now available for self-employed individuals. The calculation works a little differently. Your loan amount is essentially your 2019 Schedule C net income divided by 12 (to get a monthly figure) x 2.5.

For example if you had a $10,000 net income in 2019 your PPP loan amount would be up to $2,083.33. You can receive 8 weeks of owners compensation (essentially your monthly net income) forgiven. The remaining PPP funds would go to rent/utilities.

Here is a simple explanation of the PPP for sole proprietors: https://bench.co/blog/operations/ppp-forgiveness-contractors-sole-props/ 

If you haven't applied yet, you can do so one with one of our local lenders: https://docs.google.com/spreadsheets/d/1lKC7qM8HC6fXVA7SU64AwRv1sAAwYyAVktv-dkkfj6I/edit#gid=0  (Return to Top)

UNEMPLOYMENT
As a self-employed business owner can I still qualify for unemployment benefits?

If you do not qualify for traditional unemployment, you may be eligible for Pandemic Unemployment Assistance (or “PUA”). Visit the Expanded Eligibility section of the Job & Family Services website for additional info.

What if an employee refuses to return to work?
Refer to the Ohio Unemployment Help Website for directives on proper documentation and reporting for any work refusals. The email address to send work refusal information to is UIReturntoWork@jfs.ohio.gov 

Click on the graphic below to view the full size image:
Unemployment Program Progression

 (Return to Top)

PROCEDURES AND UPDATES
What policies do I need to update?

We recommend talking to attorneys, accountants, and business consultants to help you determine which policies you’ll need to update. There is a comprehensive list of HR-related FAQs on the SHRM website here.
• Create or update policies on hygiene expectations, including handwashing, cough/sneeze etiquette, etc. Be sure to include guidance on what employees should do if they feel sick or shows signs/symptoms of COVID-19 and measures the employer will take to ensure all employees’ safety.
• If your employees are telecommuting, consider having them sign a Telecommuting Agreement. A sample agreement is available here.
• For businesses with 500 or fewer employees: regardless of whether you grant or deny a request for paid sick leave or expanded family and medical leave under the Families First Coronavirus Response Act, you will need to document the request. Click here for a complete review of documentation you should keep on file. There is also an Emergency Paid Leave Absence Tracking Worksheet available here.

What Chamber benefits can help me right now?
There are so many cost-saving opportunities for Chamber members! Click here for a full list on our website. Here are just a few examples:
• Save 2% on all office supply purchases
• Save up to 53% on your workers’ compensation premiums
• Get access to discounted HR consulting and remote HR services
• Health insurance and dental plans for Chamber members - now including for sole proprietors! (Return to Top)

LENDING A HAND
If I have a service/product that can help businesses reopen, how do I get the word out?

Contact the Chamber to let us know if you are able to help fellow businesses reopen. (Return to Top)

Small Business AssociationSBA Programs - Small businesses with less than 500 employees are encouraged to review and apply for these programs

IMPORTANT UPDATE: JUNE 15
To further meet the needs of U.S. small businesses and non-profits, the U.S. Small Business Administration reopened the Economic Injury Disaster Loan (EIDL) and EIDL Advance program portal to all eligible applicants experiencing economic impacts due to COVID-19.

SBA’s EIDL program offers long-term, low interest assistance for a small business or non-profit. These loans can provide vital economic support to help alleviate temporary loss of revenue. EIDL assistance can be used to cover payroll and inventory, pay debt or fund other expenses. Additionally, the EIDL Advance will provide up to $10,000 ($1,000 per employee) of emergency economic relief to businesses that are currently experiencing temporary difficulties, and these emergency grants do not have to be repaid.

SBA’s COVID-19 Economic Injury Disaster Loan (EIDL) and EIDL Advance ·
- The SBA is offering low interest federal disaster loans for working capital to small businesses and non-profit organizations that are suffering substantial economic injury as a result of COVID-19 in all U.S. states, Washington D.C, and territories.
- These loans may be used to pay debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact, and that are not already covered by a Paycheck Protection Program loan. The interest rate is 375% for small businesses. The interest rate for non-profits is 2.75%.
- To keep payments affordable for small businesses, SBA offers loans with long repayment terms, up to a maximum of 30 years. Plus, the first payment is deferred for one year.
- In addition, small businesses and non-profits may request, as part of their loan application, an EIDL Advance of up to $10,000. The EIDL Advance is designed to provide emergency economic relief to businesses that are currently experiencing a temporary loss of revenue. This advance will not have to be repaid, and small businesses may receive an advance even if they are not approved for a loan.
- SBA’s EIDL and EIDL Advance are just one piece of the expanded focus of the federal government’s coordinated response.
- The SBA is also assisting small businesses and non-profits with access to the federal forgivable loan program, the Paycheck Protection Program, which is currently accepting applications until June 30, 2020.

For additional information, please visit the SBA disaster assistance website at SBA.gov/Disaster.
Paycheck Protection Program (SBA 7a loans) - PPP applications will be accepted through June 30. Click here for the latest version of the PPP application.

Click here for a Small Business Owner’s Guide to the CARES Act from the US Senate Committee on Small Business & Entrepreneurship

Loan/Grant Comparison Chart

Employee Retention Tax Credit - a refundable credit against payroll tax liability equal to 50% of the first $10,000 in wages per employee (including value of health plan benefits). Eligible employers must have carried on a trade or business during 2020 and satisfy one of two tests:

· Have business operations fully or partially suspended operations due to orders from a governmental entity limiting commerce, travel, or group meetings; or
· Experience a year-over-year (comparing calendar quarters) reduction in gross receipts of at least 50% – until gross receipts exceed 80% year-over-year.

If you have received a PPP loan you are NOT eligible for this tax credit. For more information click here.

Family Medical Leave Act and Paid Sick Leave:

The Families First Coronavirus Response Act was signed by President Trump on Wednesday, March 18, 2020 and is in effect as of April 2, 2020. This expands FMLA and Emergency Paid Sick Leave access to employees who work at private sector businesses with fewer than 500 employees or those employed by a public employer subject to FMLA. Highlights are shown below:

Emergency Family and Medical Leave Expansion Act (EFMLEA) - for employees who have worked 30 days or more, this provides job-protected leave for 12 weeks to employees who are not able to work or telework due to needing to care for their child due to coronavirus school or childcare closing. Upfront, 10 initial working days can be unpaid before the employee begins to receive compensation. Employees requesting EMFLEA must provide their requested dates of leave, reason for request, and a statement that he/she is unable to work due to the reason provided. Compensation will be not less than 2/3 of his/her regular rate of pay for hours they would have worked. Daily maximum is $200 and 12-week maximum is $10,000. This does not increase the total amount of FMLA an employee is eligible for; the maximum allowance for FMLA and EFMLEA is 12 weeks total.

Emergency Paid Sick Leave - 2 weeks of paid sick leave immediately available to all employees (no required number of days worked) who cannot work or telework due to coronavirus infection, quarantine, or experiencing symptoms AND seeking medical diagnosis. Maximum of $511/day and $5,110 over the 10-day period. Additionally, employees can request Emergency Paid Sick Leave if they are caring for an individual subject to quarantine, caring for a child whose school or childcare facility has closed, or similar condition specified by the Secretary of Health & Human Services. If an employee requests leave under these provisions, they are to receive not less than 2/3 their regular rate of pay with a daily maximum of $200 and a maximum of $2,000 paid over the 10 days.

For both the FMLA and Emergency Paid Sick Leave provisions there are possible exemptions for businesses with fewer than 50 employees.

For a detailed look at employer Emergency Paid Sick Leave and EFMLEA requirements, click here.

For a summary of these paid leave programs provided by the U.S. Chamber, click here.

COMMUNITY

Have questions about the coronavirus? Visit these informational sites for resources:

Ohio Department of Health Coronavirus Information: coronavirus.ohio.gov
Centers for Disease Control and Prevention Coronavirus Information: cdc.gov/coronavirus/2019-ncov

Have questions about community resources? Check out the links below:

United Way of Logan County – Give Help, Get Help: https://www.uwlogan.org/covid-19-help-logan-county
Updates from DP&L, CenterPoint Energy/Vectren, and Columbia Gas regarding the pandemic
Mental Health Resources in Logan County
Click here to be directed to the Stimulus Check Calculator.

Has your employment been impacted by the pandemic? Find resources below:

Ohio Unemployment Benefits:
Temporary or permanent layoffs due to the coronavirus now qualify employees for immediate unemployment benefits. The standard 1-week waiting period has been suspended. For the latest updates visit the ODJFS website. Below are some key points

• Individuals receiving unemployment benefits will NOT be required to actively seek work during the period of layoff or quarantine. This will allow individuals to return to their employer as soon as virus related issues clear.

If you have specific questions please reference then Employer Unemployment Booklet (https://innerapp.odjfs.state.oh.us/forms/num/JFS08201/pdf/ or call the Employer Unemployment Direct line: 614-466-2319

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