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CARES Act: What You Need to Know

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On March 25th, the Senate voted unanimously, 96-0, in favor of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, the third bipartisan bill responding to the COVID-19 pandemic. On Friday, March 27, the CARES Act passed the House and was signed into law by the President. For more information and resources about the Coronavirus, visit

Read the full text of the CARES Act

Section-by-section summary of the bill

CARES Act Grants in Michigan

In addition to significant financial aid and supply assistance from FEMA, substantial federal resources have been allocated in Michigan from the CARES Act, and other bipartisan Coronavirus response legislation signed into law by President Trump.


Hospitals and medical providers in Michigan have been allocated $2.2 billion from the Provider Relief Fund, established in the CARES Act. 

Health and Human Services (HHS) has awarded $32.5 million in CARES Act funding to 39 health centers across Michigan to assist in combatting COVID-19.

The State of Michigan has received a total of $171 million from HHS, through the Provider Relief Fund, CDC State and local funding, HRSA health centers, and other HHS grants.

Michigan has received over 3.8 billion from CMS through Medicare advanced payments.

Through the CARES Act, Michigan has also received over $315 million for expanding testing capability.

Through the Coronavirus Preparedness and Response Supplemental Appropriations Act, the Centers for Disease Control and Prevention (CDC) provided $21.6 million to the State of Michigan. 

For information regarding federal efforts to procure personal protective equipment (PPE) for Michigan, please visit: 


In the first installment of the Paycheck Protection Program (PPP), established in the CARES Act, the Small Business Administration issued over $10.3 billion in loans to over 43,000 Michigan small businesses.

Once Congress voted in a near-unanimous fashion to replenish PPP funds, Michigan had another 66,790 loans approved, for a total of nearly $6 billion approved dollars for our small businesses. These numbers continue to grow as more Michigan small business owners apply and are approved for these loans.

In addition to the Paycheck Protection Program, the Economic Injury Disaster Loan Emergency Advance has also approved nearly 431,000 loans to assist small businesses during this crisis, including over 10,000 loans in Michigan totaling approximately $900 million.

Under the CARES Act, the State of Michigan, combined with eligible units of local government in the State that apply, will receive over $3.8 billion. Governmental entities in the State of Michigan have already received over $2 billion of this allocation.   

Millions of residents of Michigan also have received Economic Impact Payments, authorized under the CARES Act, up to $1200 for an individual. So far, the people of Michigan have received a total of over $7 billion.

Department of Housing and Urban Development made $115.9 million in COVID-19 funding available to Michigan via CARES Act authorizations.

Department of Labor has offered flexibilities and emergency administrative capacity expansion grants for unemployment insurance that are responsive to the difficulties many Michiganians are facing.


Department of Education announced an allocation under the Higher Education Emergency Relief Fund of the CARES Act of nearly $177.4 million to support postsecondary education students in Michigan. Colleges and universities are required to utilize the funds to provide cash grants to students for expenses related to disruptions in their education due to the COVID-19 outbreak, including things like course materials and technology as well as food, housing, health care, and childcare.     

Department of Education has also announced an allocation in The Governor’s Emergency Education Relief Fund (GEERF), authorized by the CARES Act, of $89 million for Michigan. This is an extraordinarily flexible “emergency block grant” designed to enable governors to decide how best to meet the needs of students, schools, postsecondary institutions, and other education-related organizations. 

Another $389.7 million has been made available to Michigan through the Elementary and Secondary School Emergency Relief Fund of the CARES Act to ensure learning continues for all students.

Additionally, the Department of Education recently announced another $180 million in competitive grants to help states like Michigan establish remote and virtual learning for our schoolchildren.

Cares Act in the 7th District


Nearly $45 million was made available to providers in Michigan’s 7th District from the initial disbursement of the CARES Act Provider Relief Fund. While only $30 billion of the $100 billion from the CARES Act has been dispersed, President Trump has already signed legislation to appropriate another $75 billion in the Provider Relief Fund. 

Two community health centers in Michigan’s 7th District received nearly $2 million in federal grants to respond to the Coronavirus, in the initial disbursement of funds. The Center for Family Health in Jackson County received $1,039,385 and the Family Medical Center of Michigan with locations in Lenawee and Monroe Counties received $839,300.

In addition to those disbursements, The Center for Family Health received another $561,199 and the Family Medical Center of Michigan received $372,574 to increase COVID-19 testing.


FEMA announced that the Emergency Food and Shelter Program (EFSP) National Board will allocate $200 million to communities across the country to assist organizations providing critical resources to people with economic emergencies, including our nation's hungry and homeless populations.  

These funds were appropriated in CARES Act to ease financial hardship caused by the coronavirus (COVID-19) pandemic. Funding will go to organizations dedicated to feeding, sheltering, and providing critical resources to people experiencing, or at-risk of experiencing, hunger and homelessness. 

Branch County –  $21,898
Lansing/Eaton, Ingham Counties –  $206,918
Hillsdale County: –  $25,176
Jackson County –  $80,622
Lenawee County –  $52,228
Monroe County –  $83,840
Washtenaw County – $163,597

The Department of Housing and Urban Development (HUD) will disperse new grants to the Jackson Housing Commission, Potterville Housing Commission, and Housing Services Mid-Michigan. The funding was authorized as a result of the CARES Act passed by Congress at the end of March to allow public housing agencies to have additional resources to slow the spread of COVID-19.


Grant Amounts to Area Colleges
Adrian College – $1,752,186
Jackson College – $3,892,134
Lansing Community College – $5,804,315
Monroe County Community College – $1,300,516
Olivet College – $1,315,786
Siena Heights University – $1,545,879
Spring Arbor University – $1,581,268
Washtenaw Community College – $4,968,890

What's in the CARES Act?

1.) Direct Payments to Americans

  • Provides a one-time economic impact payment of $1,200 per individual, $2,400 per couple, and $500 per child. The full rebate amount is available for those with incomes at or below $75,000 for individuals, $112,500 for head of household, and $150,000 for married couples. Click here for answers to frequently asked questions.

2.) Assistance for Small Businesses

  • Creates a Paycheck Protection Program for small employers, self-employed individuals, and “gig economy” workers to help prevent workers from losing their jobs and small businesses from going under. It provides 8 weeks of cash-flow assistance through 100 percent federally guaranteed loans to small employers who maintain their payroll during this emergency. Click here for more resources for small businesses.

3.) Expanded Unemployment Insurance

  • Provides economic relief and much-needed support for workers by making a significant investment in unemployment benefits. It makes sure self-employed and independent contractors, like Uber drivers and gig workers, can receive unemployment during the public health emergency. 

4.) Support for Medical Professionals

  • Provides critical support to the hospitals and health care workers on the front lines, including funding to reimburse health care expenses and procure personal protective equipment (PPE), ventilators, and other medical supplies.

5.) Relief for Students, Renters, and Homeowners

  • Provides direct financial relief to many student loan borrowers by pausing their monthly repayment requirements for six months with no penalty. Click here to learn more about student loan relief.
  • Halts evictions for renters in properties with federally backed mortgages for 120 days.
  • Prohibits foreclosures on any federally backed mortgages for 60-days, and allows borrowers affected by COVID-19 to shift any missed payments to the end of their mortgage, with no added penalties or interest, for 180 days. Click here to learn more about relief for homeowners.

Am I Eligible for a Check and How Does it Work?

Q: What should I do if I have yet to receive my payment?
The IRS has established a hotline to help provide additional assistance for taxpayers with questions about their Economic Impact Payments (EIP). That number is 800-919-9835, which is the number reflected on the notice mailed to taxpayers who receive an EIP.  

If you have unusual circumstances, which may have caused an error in processing the payment, or if you have received notice from the IRS on the website or in a letter that you should have received payment, or if a deceased relative has received payment, please call my office at 517-780-9075.

Q: Who is eligible for the economic impact payment?
A: Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible.

Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples. Parents also receive $500 for each qualifying child.

Q: How will the IRS know where to send my payment?
A: The vast majority of people do not need to take any action. The IRS will calculate and automatically send the economic impact payment to those eligible.

For people who have already filed their 2019 tax returns, the IRS will use this information to calculate the payment amount. For those who have not yet filed their return for 2019, the IRS will use information from their 2018 tax filing to calculate the payment. The economic impact payment will be deposited directly into the same banking account reflected on the return filed.

Q: I have not filed my tax return for 2018 or 2019. Can I still receive an economic impact payment?
A: Yes. The IRS urges anyone with a tax filing obligation who has not yet filed a tax return for 2018 or 2019 to file as soon as they can to receive an economic impact payment. Taxpayers should include direct deposit banking information on the return.

Q: Will the IRS contact me requesting personal information needed for my payment?
A: The IRS will not call, email, or text you about your Payment. The IRS will not contact you to request personal or bank account information. Watch out for websites and social media attempts that request money or personal information and for schemes tied to Economic Impact Payments.

The IRS urges taxpayers to visit – the official IRS website – to protect against scam artists. The IRS has issued a warning about coronavirus-related scams. For security reasons, a letter about the Payment will be mailed to each recipient’s last known address within 15 days after the Payment is made. The letter will provide information on how the Payment was made and how to report any failure to receive the Payment.

Q: Where can I get more information?
A: The IRS has created a list of answers to more frequently asked questions at this link or the IRS assistance hotline at 800-919-9835.

How Does the CARES Act Help Small Businesses?

The CARES Act establishes a new Paycheck Protection Program which provides small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities. According to data from the Small Business Administration, more than 40,000 jobs in Michigan’s 7th District were retained as a result of the Paycheck Protection Program.

  • For a top-line overview of the program CLICK HERE
  • If you’re a borrower, more information can be found HERE
  • The application for borrowers can be found HERE
  • A list of eligible lenders can be found HERE

Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.

Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.

Q: Who is eligible?
A: Small businesses with 500 or fewer employees—including nonprofits, veterans organizations, tribal concerns, self-employed individuals, sole proprietorships, and independent contractors—are eligible. Businesses with more than 500 employees are eligible in certain industries.
Q: How do I apply?
A: You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating. All loans will have the same terms regardless of lender or borrower. A list of participating lenders as well as additional information and full terms can be found at
To learn more about Coronavirus relief options, visit