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|Covid-19 Frequently Asked Questions|
EMPLOYERS: FREQUENTLY ASKED QUESTIONS SURROUNDING REGARDING COVID-19 RESOURCES
The COVID-19 Relief Interim SBA Finance Loan Program provides FAME Direct Loans of up to $100,000 with special terms available to eligible borrowers who provide proof of commitment for SBA financing. The FAME loan would be originated for use to the business owner until the SBA loan is funded. The SBA loan would then pay-off the FAME loan.
The COVID-19 Relief Business Direct Loan Program provides FAME Direct Loans of up to $50,000 with special terms available to Maine-based businesses experiencing interruption or hardship due to the COVID-19 pandemic.
Read the full press release on these COVID-19 relief loan programs here .
The COVID-19 Relief Consumer Loan Program provides no-to low-interest consumer loans through a loan guarantee program involving Maine’s banks, credit unions, and FAME. Interested borrowers should contact their local bank or credit union (not FAME) to see if the lender is offering this program and to apply. The program offers loans of up to $5,000 (minus any unemployment benefits received by borrower). A borrower may apply for up to three (3) loans, one per each 30-day period.
UNEMPLOYMENT INSURANCE FAQS:
Q: My boss has announced that the place I work is closing/closed down because of COVID-19 and I have been laid off. Can I collect unemployment benefits, and do I have to look for work until we reopen?
A: If your employer is temporarily closing because of COVID-19 and you are expected to return to work upon reopening, you may be eligible for unemployment benefits. You won’t be required to look for work as long as you remin able and available to work for your employer.
Q: Where do I apply for Unemployment Insurance (UI)?
A: File for Unemployment on the MDOL website. Accessing your account online can help to avoid long wait times on the phone.
Q: My boss is allowing me to take an unpaid temporary leave of absence because I am considered high-risk of the COVID-19 infection if I stay at work, even though I’m not sick right now. Can I collect unemployment benefits until I am able to go back to work?
A: You may be eligible for unemployment benefits during a temporary, unpaid leave of absence if you are expected to return to your job at the end of the leave, and you remain able and available to work for your employer.
Q: What if I’m asked by a medical professional or public health official to quarantine because of COVID-19, but I’m not sick?
A: If you’re following guidance issued by a medical professional or public health official to quarantine yourself because of COVID-19 and you’re not receiving paid sick leave from your employer, you may be eligible to receive unemployment benefits. If you’re expected to return to your job when your quarantine is lifted, you won’t need to search for work. You must be able and available to accept any work offered by your employer that wouldn’t result in you breaking quarantine.
Q: I was unable to file for unemployment immediately after my layoff. If my layoff was because of COVID-19, will I still receive benefits for the time I was not at work even though I am filing later?
A: Workers who were laid off on or after March 15, 2020 because of COVID-19 may be eligible.
Q: How much will I receive for my UI compensation?
A: MDOL will review each claim on a case by case basis and make a determination that is based in part on your wages and earnings in the last 18 months.
Q: If I’ve filed for and been approved for unemployment benefits, will I continue to receive them automatically?
A: No- you need to file each week a weekly certification to verify that you are unemployed or underemployed. If you were unable to file it in the week you weren’t working, unemployment benefits are retroactive and you will still be compensated if eligible.