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COVID-19 outbreak: resources for employees affected by business closures and slowdowns


In the wake of the COVID-19 outbreak, many businesses in the service industry are being forced to layoff staff members due to business closures or slowdowns



While this is an unfortunate time for all parties involved, below are a few resources employers can share with those affected:


Sick, Quarantined, or Unemployed? 

If your employees are unable to work due to having been exposed to COVID-19, they can file for a Disability Insurance Claim. This claim provides short-term benefit payments to eligible workers who have a full or partial loss of wages due to a non-work-related illness. Benefit amounts are typically 60-70 percent of wages. 

Employees exposed to COVID-19 can call 1-800-772-1213. 

Additionally, while Unemployment Insurance varies by state, the benefits are available for eligible individuals who are laid-off from work, or if their workplace temporarily closes due to the COVID-19.


Bartender Emergency Assistance Program

If you have to lay off your bartenders, they may be eligible for a grant due to the hardship COVID-19 has caused. 

Employees can apply for the USBG grant here


CORE: Children of Restaurant Employees

CORE provides food and beverage service employees a grant to support their children in the case of life-altering circumstances. CORE is a nationally recognized community of support for all food and beverage service families in need by ensuring they are cared for and valued. 

Employees with children that are facing hardships due to COVID-19 can apply for a grant here.


Mortgage Relief:

The Federal Housing Finance Agency advises individuals to call their lending bank and ask for forbearance. With this option, a lender temporarily reduces or suspends the mortgage payments for up to six months while borrowers get back on their feet. Interest will still accrue and be tacked back onto the loan. Forbearance is often combined with a reinstatement or a repayment plan to pay off the missed or reduced mortgage payments when a homeowner’s financial situation has stabilized.

Individuals should reach out to their lender and talk with them. If there are additional questions on this situation then please reach out to the HOPE Hotline at 888-995-4673.


Renters of Apartments/Homes:

Larger cities have started a moratorium on evictions. This means that the next (90) days unless it is for criminal or negligent behavior that jeopardizes the life, health or safety of other residents they can not evict you from your place of living if COVID-19 affects you. 

NOTE: Nashville, TN or the state of Tennessee itself has not adopted the moratorium on evictions just yet.


HUD (Department of Housing and Urban Development):

The Department of Housing and Urban Development is providing immediate relief to American homeowners by suspending all foreclosures and evictions until the end of April.

This suspension will allow all households with an FHA-insured mortgage to meet challenges of COVID-19 without the fear of losing their homes.  


Emergency Food Stamps & SNAP:

Employees affected can apply for the Supplemental Nutrition Assistance Program (SNAP). This program provides a monthly supplement for purchasing nutritious food. If they qualify, they’ll get a debit card to use for groceries. Please note that there are special rules for households with elderly or disabled members. 

For more information on the program as well as signing up, employees can visit:


Women, Infants, & Children (WIC):

The Special Supplemental Nutrition Program for Women, Infants, & Children (WIC) provides federal grants to states for supplemental foods, health care referrals, and nutrition education for low-income pregnant, breastfeeding, and non-breastfeeding postpartum women, and to infants and children up to age five who are found to be at nutritional risk.  

For more information on the program as well as signing up, employees can visit:


If you should have additional COVID-19 questions, please visit the CDC website.

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