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The Portland Regional Chamber is organizing virtual meetings with business owners and community members representing various sectors of the economy to learn from each other as we work through what reopening looks like for your business or industry.
Through these virtual meetings, we plan to provide a forum for you to learn more about issues and topics related to Restarting Maine’s Economy (including State checklists, CDC guidance, timelines, and more). What topics or issues would you like to see discussed in a virtual meeting for your industry? Let us know! |
Click HERE for Stage 1 Checklists and COVID-19 Prevention Form
Click HERE for the Governor's Announcement on a Phased Reopening of Maine's Economy
Weekly Updates from the Maine DECD
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Weekly DECD Updates
Maine DECD Commissioner Heather Johnson is holding weekly update calls to answer questions from businesses. These calls are held at 3:30 every Wednesday through June 24th and recordings are posted on DECD's website. Register for Commissioner Johnson's Update Calls Here Watch the video of this week's DECD Update HERE |
CARES ACT, PPP & EIDL
Coronavirus Aid, Relief, and Economic Security (CARES) Act, Paycheck Protection Program (PPP) & Economic Injury Disaster Loan (EIDL)
INFORMATIONAL WEBINAR:
On April 2, 2020, the Portland Regional Chamber hosted a virtual presentation and live Q&A session with U.S. Congresswoman Chellie Pingree to answer questions regarding small business options for financial assistance from the SBA. Watch the replay HERE
On April 2, 2020, the Portland Regional Chamber hosted a virtual presentation and live Q&A session with U.S. Congresswoman Chellie Pingree to answer questions regarding small business options for financial assistance from the SBA. Watch the replay HERE
Paycheck Protection Program (PPP
SBA Releases PPP Loan Forgiveness Application
SBA and the U.S. Treasury have released the Paycheck Protection Program Loan Forgiveness Application and instructions for the application. The form and instructions are for borrowers to apply for forgiveness of their PPP loans, consistent with the CARES Act.
You can view the Loan Forgiveness Form and instructions HERE
The U.S. Treasury Department and U.S. Small Business Administration have also released an updated list of FAQs based on new guidance for the Paycheck Protection Program (PPP).
Notably, this new guidance states that an employer will not be penalized with reduced PPP loan forgiveness if an employee rejects an offer to return to their job.
You must provide a written offer of work which includes the start date and rate at which the employee will be paid and keep a record of the employee’s response.
Additionally, the SBA has made Economic Injury Disaster Loans (EIDL) available to agricultural small businesses.
SBA and the U.S. Treasury have released the Paycheck Protection Program Loan Forgiveness Application and instructions for the application. The form and instructions are for borrowers to apply for forgiveness of their PPP loans, consistent with the CARES Act.
You can view the Loan Forgiveness Form and instructions HERE
The U.S. Treasury Department and U.S. Small Business Administration have also released an updated list of FAQs based on new guidance for the Paycheck Protection Program (PPP).
Notably, this new guidance states that an employer will not be penalized with reduced PPP loan forgiveness if an employee rejects an offer to return to their job.
You must provide a written offer of work which includes the start date and rate at which the employee will be paid and keep a record of the employee’s response.
Additionally, the SBA has made Economic Injury Disaster Loans (EIDL) available to agricultural small businesses.
Paycheck Protection Program (PPP) - Additional Funding Available Monday, April 27, 2020
The U.S. Small Business Administration (SBA) and U.S. Treasury have announced that banks and credit unions may process PPP loans again beginning at 10:30 AM on Monday, April 27, 2020.
Last week, Congress passed legislation that approved $321 billion in additional funds for the Paycheck Protection Program, a federal assistance program for businesses impacted by COVID-19. 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.
NOTE: If you already submitted a PPP application with a lender you do not need to re-apply. However, it is a good idea to contact your lender to follow up on the status of your application now that additional funding has been made available.
Seasonal Businesses: Additionally, PPP requirements were changed to allow seasonal businesses to use any consecutive 12-week period between May 1, 2019, and September 15, 2019, to account for when their business was at full capacity.
View the New Rule HERE
The U.S. Small Business Administration (SBA) and U.S. Treasury have announced that banks and credit unions may process PPP loans again beginning at 10:30 AM on Monday, April 27, 2020.
Last week, Congress passed legislation that approved $321 billion in additional funds for the Paycheck Protection Program, a federal assistance program for businesses impacted by COVID-19. 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.
- Find a Lender HERE
- View the Updated PPP Borrower and Lender FAQs
- Visit our Resources page for additional information on how to apply, eligibility, and FAQs.
NOTE: If you already submitted a PPP application with a lender you do not need to re-apply. However, it is a good idea to contact your lender to follow up on the status of your application now that additional funding has been made available.
Seasonal Businesses: Additionally, PPP requirements were changed to allow seasonal businesses to use any consecutive 12-week period between May 1, 2019, and September 15, 2019, to account for when their business was at full capacity.
View the New Rule HERE
The Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law on Friday, March 27. The CARES Act includes the Paycheck Protection Program (PPP), an initiative that provides 100% federally guaranteed loans to small businesses, meaning financial institutions will be allowed to lend directly to businesses, and those loans will be backed by the Small Business Administration (SBA). A portion of these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward (more details below, under the “Loan Forgiveness" section).
Friday, April 3: The SBA and U.S. Treasury Department have issued an updated interim final rule for the Paycheck Protection Program. The updated regulation calls for an interest rate of 1% on PPP loans.
Some helpful links:
PAYROLL COSTS:
Borrowers are required to utilize 75% of the PPP loan proceeds for payroll costs. In the interim final rule, the SBA released a step-by-step process for calculating payroll costs:
WHO CAN APPLY?
Businesses that are:
Businesses in certain industries can have more than 500 employees if they meet applicable SBA employee-based size standards for those industries:
For this program, the SBA’s affiliation standards are waived for small businesses:
HOW TO APPLY:
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 the lender or borrower. A list of participating lenders, as well as additional information and full terms, can be found at www.sba.gov.
WHAT CAN I USE THESE LOANS FOR?
You should use the proceeds from these loans for:
HOW MUCH OF MY LOAN WILL BE FORGIVEN?
You will owe money when your loan is due if you use the loan amount for anything other than payroll costs, mortgage interest, rent, and utility payments over the 8 weeks after getting the loan.
You will also owe money if you do not maintain your staff and payroll. This means;
ADDITIONAL LINKS:
Friday, April 3: The SBA and U.S. Treasury Department have issued an updated interim final rule for the Paycheck Protection Program. The updated regulation calls for an interest rate of 1% on PPP loans.
Some helpful links:
- Governor Mills has encouraged Maine small businesses to apply for assistance through the PPP.
- Apply for the PPP and Find a Lender HERE
PAYROLL COSTS:
Borrowers are required to utilize 75% of the PPP loan proceeds for payroll costs. In the interim final rule, the SBA released a step-by-step process for calculating payroll costs:
- Step 1: Aggregate the total payroll costs from the last 12 months for employees whose principal place of residence is the United States.
- Step 2: Subtract any compensation paid to an employee in excess of an annual compensation (including salary, wages, and tips) of $100,000.
- Step 3: Calculate the average monthly payroll costs (divide the amount from Step 2 by 12).
- Step 4: Multiply the average monthly payroll costs from Step 3 by 2.5.
- Step 5: Add the outstanding amount of an Economic Injury Disaster Loan (EIDL) made between January 31, 2020 and April 3, 2020, after deducting the amount of any advance under an EIDL COVID-19 loan (since it does not have to be repaid).
WHO CAN APPLY?
Businesses that are:
- A small business with fewer than 500 employees.
- A small business that otherwise meets the SBA’s size standard.
- A 501(c)(3) with fewer than 500 employees.
- An individual who operates as a sole proprietor.
- An individual who operates as an independent contractor.
- An individual who is self-employed who regularly carries on any trade or business.
- A Tribal business concern that meets the SBA size standard.
- A 501(c)(19) Veterans Organization that meets the SBA size standard.
Businesses in certain industries can have more than 500 employees if they meet applicable SBA employee-based size standards for those industries:
- If you are in the accommodation and food services sector (NAICS 72), the 500-employee rule is applied on a per physical location basis.
- If you are operating as a franchise or receive financial assistance from an approved Small Business Investment Company the normal affiliation rules do not apply.
- Click HERE for additional details .
For this program, the SBA’s affiliation standards are waived for small businesses:
- In the hotel and food services industries (click HERE for NAICS code 72 to confirm); or
- That are franchises in the SBA’s Franchise Directory (click HERE to check); or
- That receive financial assistance from small business investment companies licensed by the SBA. Additional guidance may be released as appropriate.
HOW TO APPLY:
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 the lender or borrower. A list of participating lenders, as well as additional information and full terms, can be found at www.sba.gov.
WHAT CAN I USE THESE LOANS FOR?
You should use the proceeds from these loans for:
- Payroll costs, including benefits;
- Interest on mortgage obligations, incurred before February 15, 2020;
- Rent, under lease agreements in force before February 15, 2020; and
- Utilities, for which service began before February 15, 2020.
HOW MUCH OF MY LOAN WILL BE FORGIVEN?
You will owe money when your loan is due if you use the loan amount for anything other than payroll costs, mortgage interest, rent, and utility payments over the 8 weeks after getting the loan.
You will also owe money if you do not maintain your staff and payroll. This means;
- Number of Staff: Your loan forgiveness will be reduced if you decrease your full-time employee headcount during the length of the loan.
- Level of Payroll: Your loan forgiveness will also be reduced if you decrease salaries and wages by more than 25% for any employee that made less than $100,000 annualized in 2019.
- Re-Hiring: You have until June 30, 2020, to restore your full-time employment and salary levels for any changes made between February 15, 2020, and April 26, 2020.
ADDITIONAL LINKS:
- View the FAQ Sheet on the Paycheck Protection Program from U.S. Senate Small Business Committee HERE
- View a Borrower Paycheck Protection Program Application Form HERE (and below)
- View an Overview of the Paycheck Protection Program for Small Businesses HERE (and below)
- View an Information Sheet for PPP Borrowers Here HERE (and below)
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Note for Sole Proprietors, Independent Contractors, and Self-Employed Individuals: Payroll Costs are defined as the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from self-employment, or similar compensation and that is in an amount that is not more than $100,000 in one year, as pro-rated for the covered period.
FAQs - SOLE PROPRIETORS & INDEPENDENT CONTRACTORS:
Am I eligible to apply for a PPP loan?
You are eligible if you are an individual who operates under a sole proprietorship or as an independent contractor or eligible self-employed individual, and you were in operation on February 15, 2020.
When can I apply?
Independent contractors who file their taxes using 1099 forms and self-employed individuals who have the ability to apply for their own PPP loans.
What will I need in order to apply?
You will need payroll processor records, payroll tax filings, or Form 1099- MISC, or income and expenses from a sole proprietorship. Borrowers that do not have any such documentation must provide other supporting documentation, such as bank records, sufficient to demonstrate the qualifying payroll amount.
Am I able to apply for both EIDL and PPP?
Yes. However, there are limits on forgiveness when rolling funds from EIDL into PPP loans. We recommend you check with your lender first before proceeding.
LOAN FORGIVENESS
Businesses may be eligible for all or a portion of their loan to be forgiven. The loan forgiveness is equal to the monetary amount spent on the items listed below during the 8-week period beginning on the date of origin of the loan:
Number of Employees:
Payroll Cost x Average number FTEs per month for 8 weeks of loan /Average number of FTEs from February 15, 2020 - June 30, 2020 OR Average number of FTEs from January 1, 2020 - February 29, 2020 OR Average number of FTEs from February 15, 2020 - June 30, 2020.
For example: If your business had a total of 10 full-time equivalent employees during the period of January 1, 2020 - February 29, 2020, and after receiving the loan you only employ 5 full-time employees during the 8-week period, the amount that would be forgiven would be one-half of the amount expended for payroll, mortgage interest, rent, and utilities during that 8-week period (see below if you restored or plan to restore these employees/wages).
Reduction in Salaries:
Payroll Cost minus (-) the amount of reduction in wages greater than 25% compared to the most recent full quarter. (FTEs earning more than $100,000 not included)
If you bring back employees or restore their wages: Reductions in employment or wages dating back to February 15, 2020 and ending April 27, 2020 will not reduce the amount of loan forgiveness as long as by June 30, 2020 you have eliminated the reduction in employees or wages.
You can view the SBA’s guidance on the Protection Protection Program HERE
FAQs - SOLE PROPRIETORS & INDEPENDENT CONTRACTORS:
Am I eligible to apply for a PPP loan?
You are eligible if you are an individual who operates under a sole proprietorship or as an independent contractor or eligible self-employed individual, and you were in operation on February 15, 2020.
When can I apply?
Independent contractors who file their taxes using 1099 forms and self-employed individuals who have the ability to apply for their own PPP loans.
What will I need in order to apply?
You will need payroll processor records, payroll tax filings, or Form 1099- MISC, or income and expenses from a sole proprietorship. Borrowers that do not have any such documentation must provide other supporting documentation, such as bank records, sufficient to demonstrate the qualifying payroll amount.
Am I able to apply for both EIDL and PPP?
Yes. However, there are limits on forgiveness when rolling funds from EIDL into PPP loans. We recommend you check with your lender first before proceeding.
LOAN FORGIVENESS
Businesses may be eligible for all or a portion of their loan to be forgiven. The loan forgiveness is equal to the monetary amount spent on the items listed below during the 8-week period beginning on the date of origin of the loan:
- Payroll costs (see above for step-by-step payroll calculation)
- Interest on the mortgage obligation accrued
- Rent
- Utility payments
- Additional wages paid to tipped employees (if applicable)
Number of Employees:
Payroll Cost x Average number FTEs per month for 8 weeks of loan /Average number of FTEs from February 15, 2020 - June 30, 2020 OR Average number of FTEs from January 1, 2020 - February 29, 2020 OR Average number of FTEs from February 15, 2020 - June 30, 2020.
For example: If your business had a total of 10 full-time equivalent employees during the period of January 1, 2020 - February 29, 2020, and after receiving the loan you only employ 5 full-time employees during the 8-week period, the amount that would be forgiven would be one-half of the amount expended for payroll, mortgage interest, rent, and utilities during that 8-week period (see below if you restored or plan to restore these employees/wages).
Reduction in Salaries:
Payroll Cost minus (-) the amount of reduction in wages greater than 25% compared to the most recent full quarter. (FTEs earning more than $100,000 not included)
If you bring back employees or restore their wages: Reductions in employment or wages dating back to February 15, 2020 and ending April 27, 2020 will not reduce the amount of loan forgiveness as long as by June 30, 2020 you have eliminated the reduction in employees or wages.
You can view the SBA’s guidance on the Protection Protection Program HERE
Economic Injury Relief Loan (EIDL)
Apply for a COVID-19 Economic Injury Disaster Loan HERE
FAQs - BUSINESSES:
When can I expect the advance on the EIDL and what will the amount be?
Although originally advertised as a 3-day turnaround for the EIDL advance, the SBA is notifying borrowers that due to the overwhelming amount of applications, the EIDL advances are taking much longer to process. As soon as we receive info on a clear timeline we will update this information.
The advance is for up to $10,000 and the amount will be $1,000 per full-time employee for businesses with 10 employees or fewer.
How is the amount of my EIDL determined?
The loan is based on your businesses’ gross revenues and operating expenses for the prior 12 months (February 2019 - January 2020). The loan is intended to address working capital needs.
If I already applied for an SBA Disaster Loan before the new EIDLs were announced, should I apply again?
If you applied for a loan through the SBA’s disaster relief program prior to March 30, 2020, you will need to apply again through this portal. This portal is specifically for COVID-19 EIDLs.
How can I check the status of my EIDL?
Upon completion of the loan application, you will receive an application number. To inquire about the status of the loan, we suggest you contact the local SBA offices at (800) 659-2955.
Have Additional Questions?
The Portland Regional Chamber is here to support your business or organization as you navigate the many COVID-19 related financial resources becoming available. If you have questions regarding these programs, we encourage you to reach out directly to our Director of Advocacy, Joe Marro.
Apply for a COVID-19 Economic Injury Disaster Loan HERE
FAQs - BUSINESSES:
When can I expect the advance on the EIDL and what will the amount be?
Although originally advertised as a 3-day turnaround for the EIDL advance, the SBA is notifying borrowers that due to the overwhelming amount of applications, the EIDL advances are taking much longer to process. As soon as we receive info on a clear timeline we will update this information.
The advance is for up to $10,000 and the amount will be $1,000 per full-time employee for businesses with 10 employees or fewer.
How is the amount of my EIDL determined?
The loan is based on your businesses’ gross revenues and operating expenses for the prior 12 months (February 2019 - January 2020). The loan is intended to address working capital needs.
If I already applied for an SBA Disaster Loan before the new EIDLs were announced, should I apply again?
If you applied for a loan through the SBA’s disaster relief program prior to March 30, 2020, you will need to apply again through this portal. This portal is specifically for COVID-19 EIDLs.
How can I check the status of my EIDL?
Upon completion of the loan application, you will receive an application number. To inquire about the status of the loan, we suggest you contact the local SBA offices at (800) 659-2955.
Have Additional Questions?
The Portland Regional Chamber is here to support your business or organization as you navigate the many COVID-19 related financial resources becoming available. If you have questions regarding these programs, we encourage you to reach out directly to our Director of Advocacy, Joe Marro.
ADDITIONAL CARES ACT INFORMATION
The CARES Act also:
For Individuals/Employees:
The CARES Act also:
- Allows employers to defer social security payroll taxes, with half deferred until December 31, 2021, and the remaining half until December 31, 2022.
- Allows the SBA to increase the limit of their Express Loans from $350,000 to $1 million to help provide additional working capital to businesses.
- Provides a refundable payroll tax credit for employers whose operations were fully or partially shut down by COVID-19 or whose gross receipts declined by more than 50% (those with Paycheck Protection Program loans are not eligible for credit)
For Individuals/Employees:
- The Act includes direct payments to individuals, with the following qualifications:
- $1200 for individuals making less than $75,000/year and $150,000 for couples.
- Those making more than these amounts (up to $99,000 for individuals and $198,000 for couples) will see a reduction in the payment.
- For every qualifying child age 16 or under, the payment will be an additional $500.
- If you filed a tax return in 2019 or 2018, no action is required. If you did not file a tax return in 2018 or 2019, you should file for 2019 as soon as possible. Find more info from the IRS HERE
- Individuals receiving unemployment benefits will be eligible for up to an additional $600 per week on top of state unemployment insurance. This added benefit will be available for up to 4 months. Self-employed individuals are eligible for this benefit and Maine DOL will release guidance on when to apply in the coming weeks.
STATE & CITY ANNOUNCEMENTS
City of Portland Approves Proposal to Expand Outdoor Dining, Retail Space
On Monday, May 18 the Portland City Council approved the proposal to expand outdoor dining and retail space in Portland. This plan includes the closure of some streets and flexibility for the City Manager to allow businesses to expand their access to outdoor space and city assets.
Read more about the approved plan for outdoor dining and retail HERE
The Portland Regional Chamber worked with the City of Portland to develop this plan and we are looking forward to seeing it in action.
This plan, to commence on Monday, June 1, 2020, will allow restaurants and retail businesses to expand seating and merchandise onto public and private property not typically permitted for business activity.
This includes:
The Chamber is extremely grateful to the City for its efforts and willing collaboration on this creative solution and will continue to work with the City on this proposal and other ways to help small businesses through this pandemic.
Read more about the approved plan for outdoor dining and retail HERE
The Portland Regional Chamber worked with the City of Portland to develop this plan and we are looking forward to seeing it in action.
This plan, to commence on Monday, June 1, 2020, will allow restaurants and retail businesses to expand seating and merchandise onto public and private property not typically permitted for business activity.
This includes:
- Street closures
- Sidewalks
- Parking lots
- Plazas
- Parklets
The Chamber is extremely grateful to the City for its efforts and willing collaboration on this creative solution and will continue to work with the City on this proposal and other ways to help small businesses through this pandemic.
NOTE: Fees associated with the expansion of existing outdoor dining premises will be waived, and fees associated with parklet applications will be significantly reduced.
State Releases New & Updated Checklists, Updates to Reopening Timeline
On Wednesday, May 20, 2020, the Maine Department of Economic and Community Development (DECD) updated COVID-19 prevention checklists for the following industries:
DECD also released the following new COVID-19 Prevention checklists:
TIMELINE UPDATES
On Tuesday, May 19, 2020, Governor Mills announced that the State is making two changes to the timeline for Restarting Maine’s Economy:
Read Governor Mills’ full release HERE
- Restaurants (view the PDF here)
- Lodging (view the PDF here)
- Construction (view the PDF here)
- Golf Courses and Disc Golf Courses (view the PDF here)
- Campgrounds/RV parks (view the PDF here)
DECD also released the following new COVID-19 Prevention checklists:
- Large Gatherings (view the PDF here)
- Day Camps and Summer Recreation (view the PDF here)
- Community Sports (view the PDF here)
- Overnight Summer Camps (view the PDF here) (Stage 3, July 1)
TIMELINE UPDATES
On Tuesday, May 19, 2020, Governor Mills announced that the State is making two changes to the timeline for Restarting Maine’s Economy:
- Campgrounds and RV Parks are now able to reopen to Maine residents on Friday, May 22, 2020 (previously June 1).
- The reopening of indoor gyms, fitness centers, and nail salons has been delayed and will not occur June 1. The State will release further information on these businesses in early June.
Read Governor Mills’ full release HERE
Portland City Council Repeals Portions of Stay at Home Order, City Will Follow State’s Order
The Portland City Council has repealed portions of the City’s Stay at Home Order and, in doing so, has brought the City largely under Governor Mills’ Order.
Governor Mills extended her Stay Safer at Home Order through Sunday, May 31, 2020, and allowed certain businesses to begin opening on Friday, May 1, 2020.
Businesses allowed to reopen in Stage 1 of the Governor’s Order, with safety guidelines, are allowed to reopen in the City of Portland.
The City retained some aspects of its own Order, including language on dog leash requirements and an incentive program for short-term rental owners.
The City plans to follow additional guidance as it is issued by the Governor.
Governor Mills extended her Stay Safer at Home Order through Sunday, May 31, 2020, and allowed certain businesses to begin opening on Friday, May 1, 2020.
Businesses allowed to reopen in Stage 1 of the Governor’s Order, with safety guidelines, are allowed to reopen in the City of Portland.
The City retained some aspects of its own Order, including language on dog leash requirements and an incentive program for short-term rental owners.
The City plans to follow additional guidance as it is issued by the Governor.
Stage 1 Checklists and COVID-19 Prevention Form Available
The Maine Department of Economic and Community Development (DECD) has released a COVID-19 Prevention Form, a general checklist, and industry-specific checklists for Stage 1 businesses.
You can view the checklists and COVID-19 Prevention Form HERE
NOTE: On the DECD checklist website it reads "In order to open, businesses must commit to complying with requirements of these checklists by filling out the short online form. Please note that licensed health care providers are not required to use this form."
Businesses should download both the "All Businesses" General Checklist as well as their industry-specific checklist.
More info on the Reopening Plan and Stages 1-4 can be found on the DECD "Restarting Maine’s Economy" website HERE
You can view the checklists and COVID-19 Prevention Form HERE
NOTE: On the DECD checklist website it reads "In order to open, businesses must commit to complying with requirements of these checklists by filling out the short online form. Please note that licensed health care providers are not required to use this form."
Businesses should download both the "All Businesses" General Checklist as well as their industry-specific checklist.
More info on the Reopening Plan and Stages 1-4 can be found on the DECD "Restarting Maine’s Economy" website HERE
Governor's Phased Reopening Announcement
Tuesday, April 28, 2020, Governor Mills announced her plan for a phased reopening of Maine’s economy, easing restrictions in four stages.
Governor Mills’ plan includes a collaboration between Maine DECD and the private sector to produce COVID-19 Prevention Checklists.
These checklists will identify best practices for each business, specific to its operations as well as general best practices related to physical distancing, hygiene, personal protection, and maintenance of clean workplaces, among others. The checklists will differ from sector to sector.
DECD Commissioner Johnson said during the press conference that checklists for businesses included in Stage 1 will be available online by the end of the day on Wednesday, April 29, 2020. The Chamber will be distributing information on how to access these checklists as soon as they are made available.
Stage 1 - beginning Friday, May 1, 2020:
Stage 1 also allows for the limited expansion of certain business, religious, and quality of life activities, with appropriate safety precautions, including:
Stage 2, beginning Monday, June 1, 2020, “contemplates revising the limitation on gatherings from less than 10 people to less than 50 people.” It also:
Stage 2 also allows for some degree of opening with reservations, capacity limits, and other measures for:
Stage 3, beginning Wednesday, July 1, 2020, contemplates maintaining the prohibition on gatherings of more than 50 people and the 14-day quarantine on people entering Maine.
With appropriate safety precautions, Stage 3 would allow for some degree of opening for:
Stage 4 does not include a timeline, but it contemplates lifting restrictions and allowing all businesses and activities to resume with appropriate safety precautions.
Governor Mills’ plan includes a collaboration between Maine DECD and the private sector to produce COVID-19 Prevention Checklists.
These checklists will identify best practices for each business, specific to its operations as well as general best practices related to physical distancing, hygiene, personal protection, and maintenance of clean workplaces, among others. The checklists will differ from sector to sector.
DECD Commissioner Johnson said during the press conference that checklists for businesses included in Stage 1 will be available online by the end of the day on Wednesday, April 29, 2020. The Chamber will be distributing information on how to access these checklists as soon as they are made available.
Stage 1 - beginning Friday, May 1, 2020:
- Maintains the prohibition on gatherings of more than 10 people
- Maintains the quarantine of all people entering or returning to Maine for a period of 14 days
- Maintains the special precautions for older Mainers and others at risk of COVID-19
- Maintains strict requirements for long-term care facilities
- Calls for people who are able to work from home to continue to do so, including State employees
- Newly requires that Maine people wear cloth face coverings in public settings where physical distancing measures are difficult to maintain
Stage 1 also allows for the limited expansion of certain business, religious, and quality of life activities, with appropriate safety precautions, including:
- Health care from Maine-licensed providers, with recommendations that they prioritize care for patients with time-sensitive conditions; assure the safety of patients, staff, and communities; manage the use of essential resources such as personal protective equipment and testing supplies; and pace re-opening services to the level of community COVID-19 activity, maintaining capacity in our hospitals for potential outbreaks
- Personal services: Barbershops, hair salons, and pet grooming
- Limited drive-in, stay-in-your-vehicle religious services
- Drive-in movie theaters
- Outdoor recreation: Guided outdoor activities (hunting & fishing) and restricted use of golf and disc golf courses
- State Parks, state-owned public land trails, and historic sites; although certain coastal State Parks will remain closed
- Auto dealerships and car washes
Stage 2, beginning Monday, June 1, 2020, “contemplates revising the limitation on gatherings from less than 10 people to less than 50 people.” It also:
- Maintains the quarantine of all people entering or returning to Maine for a period of 14 days
- Maintains the special precautions for older Mainers and others at risk of COVID-19
- Calls for people who can work from home to continue to do so but allows for employees in certain fields to begin to reenter the office as needed, including State employees.
Stage 2 also allows for some degree of opening with reservations, capacity limits, and other measures for:
- Restaurants
- Fitness and exercise centers
- Nail technicians
- Retail stores for broader, in-store shopping
- Lodging and campgrounds for Maine residents and those who have met the 14-day quarantine requirement
- Day camps for Maine children and those who have met the 14-day quarantine requirement
- Coastal State Parks
Stage 3, beginning Wednesday, July 1, 2020, contemplates maintaining the prohibition on gatherings of more than 50 people and the 14-day quarantine on people entering Maine.
With appropriate safety precautions, Stage 3 would allow for some degree of opening for:
- Lodging, such as hotels, campgrounds, summer camps, or RV parks for Maine residents and visitors. The Administration is currently developing guidelines to assist them in safely reopening, and reservations should not be taken until those guidelines are issued.
- Outdoor recreation such as charter boats and boat excursions
- Bars
- Personal services such as spas, tattoo and piercing parlors, and massage facilities, among others
Stage 4 does not include a timeline, but it contemplates lifting restrictions and allowing all businesses and activities to resume with appropriate safety precautions.
Cocktails, Growlers, and Curbside Best Practices
April 27, 2020: Effective immediately, the definition of beverage will include spirits-based “cocktails to go”.
The following guidelines must be followed:
b. Screw tops like a water bottle cap that break apart when opened; or
c. Vacuum and heat-sealed pouches
View the full memo from the Maine State Bureau of Alcoholic Beverages and Lottery Operations HERE
The following guidelines must be followed:
- Cocktails must be accompanied by a food order and a sales receipt with a time stamp that indicates the time of purchase;
- Cocktails must be batched for immediate use or created individually as needed to fill a customer order;
- A container of cocktails must not exceed 4½ ounces of spirits;
- Cocktails must be in a tamper evident container provided by the licensees using one of the following processes, for example:
b. Screw tops like a water bottle cap that break apart when opened; or
c. Vacuum and heat-sealed pouches
View the full memo from the Maine State Bureau of Alcoholic Beverages and Lottery Operations HERE
April 23, 2020: Effective immediately, the definition of beverage will include draft beer in “growlers to go”.
The following guidelines must be followed:
View the full memo from the Maine State Bureau of Alcoholic Beverages and Lottery Operations HERE
Read the Maine Department of Health and Human Services and the Maine CDC's "Physical Distancing Guidance for Ordering, Pick-up and Delivery for Eating Establishments during COVID-19" HERE
The following guidelines must be followed:
- Growlers to go must be accompanied by a food order;
- Beer dispensed into growlers under this temporary order is limited to solely those kegs on hand at the licensed premises at the time of the Governor’s Executive Order of March 18th;
a. The intent of this temporary order is to permit on-premises licensees to reduce existing inventory of kegs on hand since the Governor’s Order on March 18th. - Growlers must conform to the requirements set forth in 28-A MRS §1355-A, sub-§3, ¶C, sub-¶¶ (2) to (8) which states generally:
a. Beer must be dispensed in growlers provided by licensees, properly sanitized and labeled with the name and ABV of the product dispensed and the name of the on-premises establishment providing the growler;
b. Growlers must only be 32 to 64 ounces in volume;
c. The licensees may not prefill more than 6 growlers at any one time;
d. The licensee may charge a deposit per growler but those sold under this temporary order are not subject to the bottle redemption requirement under Title 38, chapter 33.
e. The growler in which the beer is dispensed must be sealed by the licensee with a seal that is tamper-evident;
f. Beer dispensed in accordance with this temporary order must be consumed off the premises;
g. All sales of beer from the on-premises establishment for off-premises consumption must be accompanied by a sales receipt with a time stamp that indicates time of purchase.
View the full memo from the Maine State Bureau of Alcoholic Beverages and Lottery Operations HERE
Read the Maine Department of Health and Human Services and the Maine CDC's "Physical Distancing Guidance for Ordering, Pick-up and Delivery for Eating Establishments during COVID-19" HERE
Federal Legislation Funding for Small Business Loans, Hospitals, Testing
Governor Mills delivered remarks in a press conference Thursday, April 23, 2020, on her plan for a cautious, phased reopening of Maine’s economy based on public health considerations.
The plan is based on four main points:
SHARE YOUR INPUT:
Governor Mills also launched a portal through the Department of Economic and Community Development for business owners, employees, and Maine residents to offer their ideas on restarting the economy while keeping Mainers safe and healthy. Access the portal HERE.
View the Governor’s Full Release HERE
Governor Mills’ Stay Healthy at Home Order remains in effect through Thursday, April 30, 2020, and the Governor said her office will be reviewing the Order on a daily basis.
The plan is based on four main points:
- Protecting public health
- Maintaining health care readiness
- Building reliable and accessible testing
- Prioritizing public-private collaboration
SHARE YOUR INPUT:
Governor Mills also launched a portal through the Department of Economic and Community Development for business owners, employees, and Maine residents to offer their ideas on restarting the economy while keeping Mainers safe and healthy. Access the portal HERE.
View the Governor’s Full Release HERE
Governor Mills’ Stay Healthy at Home Order remains in effect through Thursday, April 30, 2020, and the Governor said her office will be reviewing the Order on a daily basis.
Governor Mills Announces Executive Order on Evictions, Rent Relief Program
On Thursday, April 16, 2020, Governor Mills announced an executive order to prevent the immediate eviction of tenants other than those who engage in dangerous or unlawful conduct for the duration of the state of emergency.
The Governor also announced a partnership with Maine Housing for a $5 million rental assistance relief program, allowing households that meet certain income and ability-to-pay requirements to receive a one-time payment of rental assistance, up to $500, to be paid directly to their landlord. Additionally, the Governor sent a letter to financial institutions in Maine “discouraging them in the strongest terms from initiating residential and commercial foreclosures and asking them to pause any foreclosures in progress.” This letter went to both the Maine Bankers Association and the Maine Credit Union League.
A PDF of the letter can be found HERE
The Governor also announced a partnership with Maine Housing for a $5 million rental assistance relief program, allowing households that meet certain income and ability-to-pay requirements to receive a one-time payment of rental assistance, up to $500, to be paid directly to their landlord. Additionally, the Governor sent a letter to financial institutions in Maine “discouraging them in the strongest terms from initiating residential and commercial foreclosures and asking them to pause any foreclosures in progress.” This letter went to both the Maine Bankers Association and the Maine Credit Union League.
A PDF of the letter can be found HERE
Governor Mills Extends Civil Emergency, Stay At Home Order Remains Unchanged
On Tuesday, April 14, 2020, Governor Mills announced she has extended the State of Civil Emergency until Friday, May 15, 2020. The original state of civil emergency was scheduled to expire today, April 15, 2020. The civil emergency extension allows Governor Mills to continue deploying all available state resources to protect the health and safety of Maine people.
This does not change the Governor’s Stay Healthy At Home Order, which is still in effect through Thursday, April 30, 2020. Any extension of the Stay Healthy At Home Order would come in a separate announcement from the Governor.
This does not change the Governor’s Stay Healthy At Home Order, which is still in effect through Thursday, April 30, 2020. Any extension of the Stay Healthy At Home Order would come in a separate announcement from the Governor.
Governor Mills Announces Statewide Stay Healthy At Home Order
The Governor’s Stay Healthy at Home directive requires people living in Maine to stay at home at all times unless for an essential job or an essential personal reason, such as obtaining food, medicine, health care, or other necessary purposes.
This order makes some changes to the March 24, 2020 Executive Order, including;
For businesses, there are limits to the number of people allowed in a building at one time. Under the Executive order, essential stores with retail spaces of certain square footage are limited to a certain number of people in the store at one time – these limits can be found here under “Restricting Number of People in Essential Stores.”
Additional links:
This order makes some changes to the March 24, 2020 Executive Order, including;
- For essential businesses and operations that remain open, limiting the number of customers in their buildings at any one time, implementing curb-side pickup and delivery options as much as possible, and enforcing U.S. CDC-recommended physical distancing requirements for their customers and employees in and around their facilities.
- Prohibiting the use of public transportation unless for an essential reason or job that cannot be done from home and limiting the number of people traveling in private vehicles to persons within the immediate household unless transporting for essential activities.
- Mandating the continued termination of classroom or other in-person instruction until at least May 1, 2020.
- Mandating that, when out of the home or when at work at an essential business, individuals shall maintain a minimum distance of six feet from other persons.
For businesses, there are limits to the number of people allowed in a building at one time. Under the Executive order, essential stores with retail spaces of certain square footage are limited to a certain number of people in the store at one time – these limits can be found here under “Restricting Number of People in Essential Stores.”
Additional links:
- View a list of Essential Services HERE
- The Executive Order took effect at 12:01 a.m. on April 2, 2020 and will last until at least April 30, 2020.
- The Portland Press Herald created FAQs related to the Governor's directive - read them HERE.
Governor Orders Travelers to Self-Quarantine, Suspends All Lodging Businesses
On Friday, April 3, 2020, Governor Mills announced an order mandating anyone entering Maine to self-quarantine for 14 days and abide by Maine’s Stay Healthy at Home Order.
Additionally, the Order instructs visitors not to travel to Maine if they are displaying symptoms of COVID-19 and advises them not to travel to Maine if they are arriving from cities or regions identified as COVID-19 hot spots.
To deter travel further, the Order also suspended lodging operations, including hotels, motels, bed and breakfasts, inns, and short-term rentals such as those available through VRBO, Airbnb, RV parks and campgrounds, and all public and private camping facilities as well as online reservations.
However, the Order states that lodging can be provided for housing vulnerable populations – such as for children in emergency placements, persons at risk of domestic violence, and homeless individuals as permitted by the State – and as accommodations for health care workers or other workers deemed necessary to support public health, public safety, or critical infrastructure.
This Order will remain in effect through April 30, 2020. Read the full order HERE
On Monday, April 6, 2020, Commissioner Heather Johnson of Maine Department of Economic and Community Development (DECD) announced the following:
Additionally, the Order instructs visitors not to travel to Maine if they are displaying symptoms of COVID-19 and advises them not to travel to Maine if they are arriving from cities or regions identified as COVID-19 hot spots.
To deter travel further, the Order also suspended lodging operations, including hotels, motels, bed and breakfasts, inns, and short-term rentals such as those available through VRBO, Airbnb, RV parks and campgrounds, and all public and private camping facilities as well as online reservations.
However, the Order states that lodging can be provided for housing vulnerable populations – such as for children in emergency placements, persons at risk of domestic violence, and homeless individuals as permitted by the State – and as accommodations for health care workers or other workers deemed necessary to support public health, public safety, or critical infrastructure.
This Order will remain in effect through April 30, 2020. Read the full order HERE
On Monday, April 6, 2020, Commissioner Heather Johnson of Maine Department of Economic and Community Development (DECD) announced the following:
- Hotel owners can take online and phone reservations for May and beyond, effective immediately.
- April reservations can only be taken by phone for essential workers (no leisure or transient guests can stay in hotels or inns through April 30th).
Governor Mills Issues Executive Order Moving Primary Election to July 14
On Friday, April 10, 2020, Governor Mills issued an executive order to move Maine’s primary election from Tuesday, June 9, 2020, to Tuesday, July 14, 2020.
This executive order is intended to:
This executive order is intended to:
- Provide additional time for Maine people to request absentee ballots in order to minimize in-person interaction at the polls. Learn more about Maine absentee ballots HERE
- To allow the Secretary of State’s Office additional time to develop guidelines to help municipalities conduct in-person voting in as safe a manner as possible.
Maine Legislature Passes Governor Mills’ Emergency COVID-19 Legislation
On March 17, 2020, the State Legislature approved emergency legislation responding to the COVID-19 pandemic. The legislation was submitted by Governor Mills and includes, among others, the following provisions:
- Establishing a consumer loan guarantee program through FAME, in partnership with financial institutions, to provide low- or no-interest loans for eligible people in Maine;
- Temporarily expanding eligibility for unemployment benefits for workers impacted by COVID-19 (see Unemployment Information section, below).
City of Portland Rental Guidance
On Monday, March 23, 2020, Portland Mayor Kate Snyder announced guidance for landlords and renters. Her guidance asks landlords to halt evictions and any rent increases for 90 days and work with tenants who are unable to pay their rent due to COVID-19.
You can learn more about the Mayor’s guidance HERE
You can learn more about the Mayor’s guidance HERE
UNEMPLOYMENT INFORMATION
INFORMATIONAL WEBINAR:
On Wednesday, April 22, 2020, the Portland Regional Chamber and the Department of Economic Opportunity hosted a virtual presentation and live Q&A session with Maine DOL Commissioner Laura Fortman to answer questions regarding unemployment. Watch the replay HERE
On Wednesday, April 22, 2020, the Portland Regional Chamber and the Department of Economic Opportunity hosted a virtual presentation and live Q&A session with Maine DOL Commissioner Laura Fortman to answer questions regarding unemployment. Watch the replay HERE
Self-Employed Eligible to Apply for Unemployment Starting Friday, May 1
The Maine Department of Labor has announced they will begin accepting applications for unemployment benefits from self-employed individuals starting Friday, May 1, 2020. These benefits are known as Pandemic Unemployment Assistance (PUA).
April 30, 2020 UPDATE: DOL Commissioner Laura Fortman confirmed that those who have previously applied for unemployment and been denied - but are now eligible for PUA benefits - do not need to reapply. Self-employed individuals who were denied will be automatically enrolled in the PUA program.
Beginning May 1st, people who have been self-employed should do the following:
April 30, 2020 UPDATE: DOL Commissioner Laura Fortman confirmed that those who have previously applied for unemployment and been denied - but are now eligible for PUA benefits - do not need to reapply. Self-employed individuals who were denied will be automatically enrolled in the PUA program.
Beginning May 1st, people who have been self-employed should do the following:
- Create a ReEmployME account HERE
- Verify your email address in ReEmployME – click on the Benefit Maintenance menu and follow the instructions to receive a confirming email
- Sign up for direct-deposit – also through the Benefit Maintenance menu (this is faster than the debit card option)
- File your PUA claim – through the Unemployment Claim menu
- File your weekly certification for any previously unclaimed weeks following your initial loss of employment
- Continue to file your weekly certification every week
Maine Department of Labor Releases Updated Unemployment FAQs
On Wednesday, April 22, 2020, the Maine Department of Labor released an updated list of FAQs related to Unemployment Insurance.
The FAQs include information on:
The FAQs include information on:
- The Federal Pandemic Unemployment Compensation (FPUC) - the additional $600 weekly benefit which is now available
- The soon-to-be-available Pandemic Unemployment Assistance (PUA) for self-employed individuals
- The Pandemic Emergency Unemployment Compensation (PEUC) which offers up to 13 more weeks of UI benefits
Maine DOL announces Federal Unemployment Expansions, Extended Hours
On Tuesday, April 14, 2020, the Maine Department of Labor (DOL) made two announcements related to the additional $600/week federal unemployment benefit included in the CARES Act and extended hours for calls.
Additional $600 Benefit:
Maine DOL announced that Mainers receiving unemployment benefits will begin to see the additional weekly $600, created by the federal CARES Act, by early next week. The additional funds will be received concurrently with the claimants’ current benefits. It will be retroactive in coordination with the enactment of the legislation and the individual’s loss of employment and will continue until July 25, 2020, if an individual remains eligible. No additional action is needed to apply for or receive the additional $600. In order to receive the $600 benefit, an individual must have an existing unemployment insurance claim, continue filing weekly certifications, and be eligible to receive benefits.
Extended Call Times:
Maine DOL has increased staffing to answer the call lines and extended the hours. The call line will now be open from 8:00 AM - 3:00 PM Monday - Friday. Online services are still available 24/7. To file, you can call 1-800-593-7660, TTY users call Maine Relay 711. The alphabetical order calling schedule is still in effect.
More information on filing for unemployment and eligibility can be found HERE
Unemployment Benefits for Self-Employed:
Also included in the CARES Act, was an expansion of unemployment benefits for the self-employed, who are typically not eligible. This expansion in benefits is more complicated than adding the $600 federal benefit to those already receiving unemployment insurance. Maine DOL plans to integrate filing for newly eligible workers into its existing system, but there is no timeline for when this expansion will be ready in the state system. The Chamber will communicate any updates to our members and the community as they become available.
Additional $600 Benefit:
Maine DOL announced that Mainers receiving unemployment benefits will begin to see the additional weekly $600, created by the federal CARES Act, by early next week. The additional funds will be received concurrently with the claimants’ current benefits. It will be retroactive in coordination with the enactment of the legislation and the individual’s loss of employment and will continue until July 25, 2020, if an individual remains eligible. No additional action is needed to apply for or receive the additional $600. In order to receive the $600 benefit, an individual must have an existing unemployment insurance claim, continue filing weekly certifications, and be eligible to receive benefits.
Extended Call Times:
Maine DOL has increased staffing to answer the call lines and extended the hours. The call line will now be open from 8:00 AM - 3:00 PM Monday - Friday. Online services are still available 24/7. To file, you can call 1-800-593-7660, TTY users call Maine Relay 711. The alphabetical order calling schedule is still in effect.
More information on filing for unemployment and eligibility can be found HERE
Unemployment Benefits for Self-Employed:
Also included in the CARES Act, was an expansion of unemployment benefits for the self-employed, who are typically not eligible. This expansion in benefits is more complicated than adding the $600 federal benefit to those already receiving unemployment insurance. Maine DOL plans to integrate filing for newly eligible workers into its existing system, but there is no timeline for when this expansion will be ready in the state system. The Chamber will communicate any updates to our members and the community as they become available.
Updated Information From Maine DECD & Maine DOL
The Maine Department of Economic and Community Development and the Maine Department of Labor each maintain websites with additional information on COVID-19 related resources related to small business financial assistance, essential and non-essential businesses, and unemployment insurance.
These websites are continually updated and are a great resource for Maine businesses as this crisis continues.
These websites are continually updated and are a great resource for Maine businesses as this crisis continues.
Information on Unemployment Insurance (UI) Temporary Flexibilities
Businesses that are temporarily closing their doors, drastically reducing services, and/or sending employees home (who are not working from home), should be clear with their employees that this is a “temporary layoff.”
Those temporarily laid-off employees are eligible to apply for Unemployment Insurance (UI) through the State by visiting www.maine.gov/unemployment and filing a claim. An employee filing for UI, in this case, WILL NOT affect the employer’s experience rating record.* The work search requirement for individuals still connected to their employer but temporarily laid off is waived for this period.
Timeline: The 1 week waiting period for UI benefit has been waived, but there is still a process that usually takes roughly 10 days.
The Maine Department of Labor is continually updating its website to reflect the most recent UI eligibility requirements. Please visit this website for more information on UI and the latest changes.
The Maine Department of Economic & Community Development is also encouraging all employers to do the following:
From COVID Legislation FAQs (download complete FAQs HERE and below):
Q. Can an employer who needs to temporarily lay off employees because of COVID -19 continue to pay health insurance premiums for the employee during the layoff period or will that negatively impact the employees’ unemployment benefits?
A. Continuing to provide health insurance will not impact your employee’s ability to receive unemployment benefits.
Those temporarily laid-off employees are eligible to apply for Unemployment Insurance (UI) through the State by visiting www.maine.gov/unemployment and filing a claim. An employee filing for UI, in this case, WILL NOT affect the employer’s experience rating record.* The work search requirement for individuals still connected to their employer but temporarily laid off is waived for this period.
Timeline: The 1 week waiting period for UI benefit has been waived, but there is still a process that usually takes roughly 10 days.
The Maine Department of Labor is continually updating its website to reflect the most recent UI eligibility requirements. Please visit this website for more information on UI and the latest changes.
The Maine Department of Economic & Community Development is also encouraging all employers to do the following:
- Sign up for the state information data exchange system, which is web-based and allows transmission. The portal can be found HERE.
- Contact your financial institution to inquire about the possibility of receiving a loan, restructuring current loans, delaying payments, receiving information on loans for employees, and other available support.
- Visit Maine Career Center and find your nearest center. Give them a call and they will help walk you through the programs and assistance available to you and your employees. They also have a chat function on their website. The offices are closed but the services are still available over the phone and online.
- Email business.answers@maine.gov with additional questions.
From COVID Legislation FAQs (download complete FAQs HERE and below):
Q. Can an employer who needs to temporarily lay off employees because of COVID -19 continue to pay health insurance premiums for the employee during the layoff period or will that negatively impact the employees’ unemployment benefits?
A. Continuing to provide health insurance will not impact your employee’s ability to receive unemployment benefits.
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*Important Information for Employers Regarding Unemployment Insurance
The Maine Department of Labor (DOL) is in the process of updating its system in accordance with the newly passed state and federal legislation. Emergency legislation passed by the Maine State Legislature includes a provision stating that, in the case of a temporary layoff due to COVID-19, unemployment benefits paid to an individual will not be charged against the experience rating record of any employer. Due to the number of unemployment claims and the need to update the system, employers may receive paperwork that has not been updated and states their experience rating will be charged. Please know this is in error and simply a result of the need for DOL to update their systems to reflect recent emergency legislation. Please visit the Maine DOL website for the most up-to-date information
The Maine Department of Labor (DOL) is in the process of updating its system in accordance with the newly passed state and federal legislation. Emergency legislation passed by the Maine State Legislature includes a provision stating that, in the case of a temporary layoff due to COVID-19, unemployment benefits paid to an individual will not be charged against the experience rating record of any employer. Due to the number of unemployment claims and the need to update the system, employers may receive paperwork that has not been updated and states their experience rating will be charged. Please know this is in error and simply a result of the need for DOL to update their systems to reflect recent emergency legislation. Please visit the Maine DOL website for the most up-to-date information
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Resources Related to Health Insurance for Laid Off Employees
The Chamber recognizes that maintaining health insurance is a concern for any employee being laid off, as well as struggling employers, during this extremely challenging time for businesses. Included below are resources and information on health insurance from Maine Career Centers:
Health Care and Health Insurance is often a concern for someone who has lost a job. Consumers for Affordable Health Care is a consumer advocacy organization which can provide you with information on possible options for insurance and medical care through their ‘Helpline” at 1-800-965-7476.
Please refer to ‘Transitions’, a more comprehensive service guide (Download HERE and below).
It is also available online at www.mainecareercenter.gov. Click on the ‘Library’ tab to access ‘Transitions.’ Page 7 of this document has information on health insurance.
Additional information is available about a wide variety of state and local programs and services either online at www.maine.gov or by phone by calling ‘211’.If you have any questions about available services, please contact your local CareerCenter.
Greater Portland Career Center
1-877-594-5627 (career center offices are closed but services are available via phone and online)
www.mainecareercenter.gov
Health Care and Health Insurance is often a concern for someone who has lost a job. Consumers for Affordable Health Care is a consumer advocacy organization which can provide you with information on possible options for insurance and medical care through their ‘Helpline” at 1-800-965-7476.
Please refer to ‘Transitions’, a more comprehensive service guide (Download HERE and below).
It is also available online at www.mainecareercenter.gov. Click on the ‘Library’ tab to access ‘Transitions.’ Page 7 of this document has information on health insurance.
Additional information is available about a wide variety of state and local programs and services either online at www.maine.gov or by phone by calling ‘211’.If you have any questions about available services, please contact your local CareerCenter.
Greater Portland Career Center
1-877-594-5627 (career center offices are closed but services are available via phone and online)
www.mainecareercenter.gov
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ADDITIONAL FINANCIAL ASSISTANCE
GPCOG Micro-loan Program for Small Businesses & Non-Profits
The Greater Portland Council of Governments (GPCOG) has launched a Rapid Response Micro-loan Program to support the region’s small businesses and nonprofits impacted by the COVID-19 pandemic.
You can read more about this program and apply HERE
Qualifying businesses and organizations will be eligible for loans of up to $10,000 at 0% interest for the first two years. Portions of the loan may be forgiven if businesses meet certain requirements or participate in other GPCOG initiatives.
A business must be within the member municipalities of the Greater Portland Council of Governments. To check whether your municipality is a member, please visit www.gpcog.org.
Portland businesses should contact the City of Portland to inquire about their loan programs, which will likely be launched on Tuesday, May 19, 2020, prior to applying for the GPCOG Micro Loan Program.
You can view more about the assistance programs from the City of Portland HERE
You can read more about this program and apply HERE
Qualifying businesses and organizations will be eligible for loans of up to $10,000 at 0% interest for the first two years. Portions of the loan may be forgiven if businesses meet certain requirements or participate in other GPCOG initiatives.
A business must be within the member municipalities of the Greater Portland Council of Governments. To check whether your municipality is a member, please visit www.gpcog.org.
Portland businesses should contact the City of Portland to inquire about their loan programs, which will likely be launched on Tuesday, May 19, 2020, prior to applying for the GPCOG Micro Loan Program.
You can view more about the assistance programs from the City of Portland HERE
City of Portland Announces Financial Assistance for Businesses
The Portland City Council has approved three types of financial assistance created by the Portland Development Corporation for small businesses in Portland needing help due to COVID-19.
This assistance includes:
All three programs are now live and accepting applications. more information and the applications for each program can be found on the City's website HERE.
The City of Portland has encouraged businesses to take the next two weeks to make sure they have the following documents ready to attach to their applications so they can submit quickly.
These include:
Applications for the Rapid Response Microloan Program will be handled by the Portland Development Corporation.
Applications for the BAP for Job Creation and Microenterprise Grants will be handled by the City of Portland Economic Development Department.
This assistance includes:
- Rapid Response Microloan Program
- COVID-19 Business Assistance Program for Job Creation
- COVID-19 Microenterprise Grant Program
All three programs are now live and accepting applications. more information and the applications for each program can be found on the City's website HERE.
The City of Portland has encouraged businesses to take the next two weeks to make sure they have the following documents ready to attach to their applications so they can submit quickly.
These include:
- A personal financial statement (from all owners of the business with 20% ownership or greater)
- 2018 and 2019 business tax returns
- Balance Sheet and Profit & Loss for 2019
- A payroll from Friday, January 31, 2020, showing the number of full and part-time employees at that time
Applications for the Rapid Response Microloan Program will be handled by the Portland Development Corporation.
Applications for the BAP for Job Creation and Microenterprise Grants will be handled by the City of Portland Economic Development Department.
Federal Reserve Announces COVID-19 Response Funds and Program
On April 9, 2020, the Federal Reserve announced actions that will provide up to $2.3 trillion in loans to support the economy. Details of these loans and the new Main Street Lending Program are still forthcoming, and the Chamber will work to communicate this info as it becomes available.
The Federal actions aim to do the following;
More details on the Main Street Lending Program can be found HERE and HERE
The Federal actions aim to do the following;
- Bolster the effectiveness of the Small Business Administration's Paycheck Protection Program (PPP) by supplying liquidity to participating financial institutions through term financing backed by PPP loans to small businesses.
- Ensure credit flows to small and mid-sized businesses with the purchase of up to $600 billion in loans through the Main Street Lending Program. This program is still being finalized.
- Increase the flow of credit to households and businesses through capital markets, by expanding the size and scope of the Primary and Secondary Market Corporate Credit Facilities (PMCCF and SMCCF) as well as the Term Asset-Backed Securities Loan Facility (TALF).
- Help state and local governments manage cash flow stresses caused by the coronavirus pandemic by establishing a Municipal Liquidity Facility that will offer up to $500 billion in lending to states and municipalities.
More details on the Main Street Lending Program can be found HERE and HERE
Maine Financial Assistance for Businesses and Employees
The Maine Department of Economic and Community Development (DECD) and the Finance Authority of Maine (FAME) are offering additional resources for businesses seeking financial assistance in response to COVID-19.
For more information on the terms of these additional resources and how to apply:
FAME COVID-19 Relief Loan Programs (including programs for businesses, individuals/employees, and lenders):
For more information on the terms of these additional resources and how to apply:
FAME COVID-19 Relief Loan Programs (including programs for businesses, individuals/employees, and lenders):
- COVID-19 Relief Business Direct Loan Program (businesses) – APPLY HERE
- Loan details: Direct Loans of up to $50,000
- Requirements: Maine-based businesses experiencing interruption/hardship due to COVID-19
- COVID-19 Relief Interim SBA Finance Loan Program (businesses) – APPLY HERE
- Loan details: Direct Loans of up to $100,000
- Requirements: Available to Maine businesses who provide proof of commitment for SBA financing (loan covers the interim period between securing and receiving of funding)
- COVID-19 Relief Consumer Loan Program (individuals) – LEARN MORE HERE
- Loan details: No- to low-interest consumer loans through a loan guarantee program
- Offer loans of up to $5,000 (minus any unemployment benefits)
- Borrowers may apply for up to three (3) loans, one per each 30-day period
- Requirements: Interested borrowers should contact their local bank or credit union (not FAME) to see if the lender is offering this program and to apply
FREE Commercial & PSA Opportunities for Maine Businesses:
- WMTW's "Keeping Maine Strong" service initiative is offering businesses a FREE 10 second PSAs. Learn more HERE.
- Spectrum Reach has partnered with Waymark to offer free videos you can make on your own and use wherever you need. Spectrum Reach is also offering 20% off to any business that uses their new Waymark video to buy their first TV campaign with them. Click here to learn more or create your own video.
- Portland Media Group is also offering their Facebook page as a platform for businesses and organizations to share helpful videos during this pandemic. To submit, compress your videos and send to tomh [at] portlandmedia [.] org
Grant Opportunities for Non-Profits
The Maine Association of Nonprofits (MANP) has been maintaining an extensive list of Financial Relief for Nonprofit Businesses and Employees. View that list HERE.
Looking for Ways to Help Your Community?
RESOURCES FOR MAINE'S IMMIGRANT COMMUNITY
- The City of Portland Office of Economic Opportunity has a wide-ranging COVID-19 resources page which includes information in several languages.
- The Maine Business Immigration Coalition has released a factsheet on Immigrant Eligibility for Financial Help Under the CARES Act. This document is available in several languages;
- The City of Portland Minority Health Program has released several COVID-19 resource guides and posters, translated into multiple languages (English example pictured above).
- Additional Multilingual Resources can be found on the City of Portland's website as well.
- Additional Multilingual Resources can be found on the City of Portland's website as well.
- Gateway Community Services has made available the following video resources for Somali speakers.
- Portland Imam (Mohamud Ali) explaining Mosque closure and the importance of following CDC guidelines.
- Dr. Ahmed of Deering High school explaining the impact of COVID-19 on students and parents and giving advice.
- Yusuf Yusuf, a social worker with Gateway Community Services, on COVID-19 appointments relating to DHHS, SSA, Immigration, housing, and more.
- Portland Imam (Mohamud Ali) explaining Mosque closure and the importance of following CDC guidelines.
- ProsperityME: The Center for Financial Education:
- Is offering one-on-one counseling via phone for community members who have english as a second language. Counselors can help callers determine eligibility for unemployment and navigate filing online. Their staff speaks Arabic, French, Lingala and Kinyarwanda. Call 207-797-7890 to speak to a counselor.
- They have also created multilingual "Safe Banking Best Practices" infographics, available on their Facebook page.
- The Maine Business Immigration Coalition (MEBIC) has put together a factsheet detailing best practices for Maine’s employers for communications to immigrant staff related to COVIVID-19. The factsheet also includes additional resources for Maine’s immigrant community from MEBIC, Catholic Charities, and others.
- Access the MEBIC Factsheet HERE (and below)
- Access the Catholic Charities Maine COVID-19 Fact Sheet HERE (available in 18 languages)
- Access the MEBIC Factsheet HERE (and below)
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GENERAL COVID-19 INFORMATION
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Looking ahead to when COVID-19 restrictions are gradually reduced across the state, HospitalityMaine is encouraging hotels and restaurants to refer to their Viral Control Guidelines. These guidelines will help prepare hotels and restaurants for stringent protocols related to cleanliness, sanitation, and hygiene.
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Bar Harbor Bank and Trust has created a COVID-19 Business Resource page to help customers navigate the various financial relief programs and options.
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The Verrill law offices have put together a COVID-19 Resources page for employers in various industries to help you address some of the challenges you and your business may be facing. We will update this page with changes in this rapidly evolving legal and regulatory landscape. You can access that page HERE.
MaineHealth has created a "Healthy Communities: Coronavirus" website page which they will be keeping up-to-date. Access that website HERE.
Download a handy sign/graphic encouraging people to practice social distancing HERE and below.
Download a handy sign/graphic encouraging people to practice social distancing HERE and below.
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Additional Resources
- U.S. Centers for Disease Control and Prevention (CDC)
- U.S. CDC Guidance for Employers and Businesses
- Maine CDC
- Maine Department of Labor Resources
- City of Portland COVID-19 Resources
- Occupational Safety and Health Administration (OSHA)
- OSHA: Preparing Workplaces for COVID-19
- OSHA: Protecting Workers in a Pandemic
The Portland regional Chamber is committed to providing you with up-to-date information regarding this pandemic and the relief efforts available to small businesses. Choose from the menu above or scroll down for the latest developments on a city and state level. Please, do not hesitate to reach out to the Chamber with any questions or concerns.
