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Important CARES Act Info

March 27, 2020
e-Newsletter Archive

Emergency relief for Michigan workers and small businesses

Supporting the CARES Act


On Friday, the House passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act, which will bring desperately-needed relief to individuals, families, small businesses, health care providers, job creators, local and state health departments, and medical professionals. It now goes to the President’s desk to become law.  For more detailed information including bill text, a section-by-section, FAQs, and information on direct payments, unemployment insurance, small business loans, mortgage relief, student loan flexibility,  please visit:

Direct Payments for American Families

A one-time rebate check will be available up to $1,200 per individual, $2,400 per couple and $500 per eligible child. Lower income Americans are eligible regardless if they already receive welfare benefits or Social Security. 

Higher income earners, starting at $75,000 for individuals, $112,500 for head of household, and $150,000 for married couples will receive a reduced rebate, which phases out completely at $99,000 for individuals and $198,000 for married couples.

Self-Employed, Non-profit Employees, and Gig Workers

The bill expands unemployment benefits to cover more workers including self-employed and independent contractors, like gig workers and Uber drivers, who do not usually qualify for unemployment. Overall, the bill provides $250 billion in funding for expansion of unemployment benefits, the largest increase ever.

Non-profits, physician practices, and chambers

501(c)3 non-profits are eligible for assistance. No other 501(c) organizations are eligible, including chambers structured as 501(c)6s. All physician practices are eligible regardless of structure.

Small Businesses

CARES Act assists small businesses through new loan programs, and some small businesses may qualify for loan forgiveness if small businesses take out loans to keep employees on payroll. The federal government will forgive 8 weeks of cash flow, rent and utilities at 100% up to 2.5x average monthly payroll. 

Payment Protection Program and Loan Forgiveness

The Payment Protection Program provides federally guaranteed loans for 8 weeks of assistance for both small businesses, and 501(c)3 nonprofits with fewer than 500 employees, as well as independent contractors, sole-proprietors, and other self-employed individuals.

SBA express loans, which require less documentation and requirements, now has a new maximum of $1 million through the end of the year. 

Entrepreneurial Development Programs

Businesses impacted by Coronavirus will be eligible to receive training, counseling, and assistance.

Emergency Economic Injury Disaster Loan (EIDL) Grants

Businesses who have applied for SBA EIDL can request an expedited advance of up to $10,000 on the loan in order to make payroll, rent, and other immediate obligations.

For more information regarding small business assistance, please visit my website: 

Health Care

The bipartisan bill builds on congressional and administrative efforts to expand telehealth services, as well as important reforms to further address substance abuse issues. While we are all social distancing and are contact with others is limited, it is important to focus on mental health as well, and this bill reauthorizes and expands critical services like Certified Community Behavioral Health Clinics, suicide prevention and SAMHSA emergency response grants.

The Food and Drug Administration (FDA) will be allowed to quickly approve the use of new medication and treatments, which comes at a crucial point when advances are being made daily. Health care providers, most of which have postponed elective procedures, which typically provide resources to continue operations, will also receive increased Medicare reimbursement rates so they can continue to provide the care needed to our vulnerable populations. 

CARES Act provides $16 billion explicitly for the national stockpile. This funding can purchase medical supplies, personal protective equipment, and medicine to be distributed to states. This comes after other congressional responses appropriated billions for supplies and response efforts, as well as easing the flexibility to sell masks to hospitals, therefore increasing the supply.

We Will Get Through This

These are incredibly trying times. While the CARES Act won’t solve every unique challenge, it will provide emergency relief to so many families and small businesses in need. Help is on the way.

America has faced periods of profound adversity in the past. Each time we have prevailed. Together, as Americans, we will do so again.

I encourage you to stay up-to-date at my website: You can also follow me on Facebook, Twitter, and Instagram, where I will be posting additional updates as we continue fighting the Coronavirus.