Search for your state below to access a list of available benefits and resources offered as a result of COVID-19
The federal government has recently changed the rules for unemployment insurance to allow a larger number of Americans (including many independent workers/Gig workers) to file for unemployment. Unemployment is handled differently by each state. To get started, use the filter at the top of this page to find out where you can apply for unemployment and other financial support specifically for your state.
For additional information on filing for unemployment, check out our Unemployment Guide.
As part of the Coronavirus Stimulus Package, the federal government is sending money directly to many Americans. Your eligibility depends on your family size and income, which the IRS will obtain from your 2018 or 2019 tax return. If you qualify, you could receive up to $1200, plus $500 per eligible child. Keep in mind, you will need a valid Social Security Number.
The deadline to submit direct deposit information to the IRS is May 13, 2020. If the IRS does not have your direct deposit information on file after this date, you will be mailed a paper check to the address included on your 2018 or 2019 tax return.
Important notes: There is no need to apply. If you’re eligible the IRS will use your tax returns to issue your stimulus payment.
We recommend you do a review of your budget, or if you don’t have a budget, use this as an opportunity to create one. You should prioritize your expenses, starting with important bills and essentials first. There are many companies offering leniency programs on financial obligations like student loans and mortgages, meaning your payments could be deferred. You also might qualify for government assistance as a result of the new Coronavirus Stimulus Package – you can learn more information about the stimulus package and filing for unemployment in our Unemployment Guide.
If you have a qualified health plan through a state or federal marketplace, you may be entitled to increased subsidies if your income drops. Advanced premium tax credit subsidies are based on your income. If you’re not working right now and have experienced a drop in your income, you can update this information in your existing health insurance application, especially if you have purchased a health plan through the GigSmart + Stride Worker Benefits Portal.
Our benefits partner, Stride, has put together a resource with instructions on how to update your income by reporting a change, and also instructions for how to estimate your income.
If you can’t pay your rent or your mortgage right now, there may be available assistance to support you.
If you need help paying important bills like your cell phone, internet, or utilities, there may be assistance available to you:
If you need food immediately, call the USDA National Hunger Hotline at 1-866-3-HUNGRY (1-866-348-6479) or 1-877-8-HAMBRE (1-877-842-6273). Information is available in English and Spanish. The hotline is available Monday – Friday, 7:00 AM to 10:00 PM ET.
You can also get more information by visiting the USDA’s Food and Nutrition Services’ Supplemental Nutrition Assistance Program (SNAP). According to the USDA website, each state has its own application form whereby you can apply for available benefits offered in your state.
There are many federal support programs available as a result of the COVID-19 pandemic, ranging from stimulus checks to unemployment insurance. In addition to these programs, many states and cities are putting extensive resources into action to provide residents with financial, physical, and emotional support. These types of assistance include:
If you’re struggling to make ends meet, you may fall behind on certain bills, like your car payment. If you cannot make one or more of your monthly payments, you should notify your lender. Missing one or more payments could result in outstanding debt, which will damage your credit. By contacting your lender, you’re opening the communication channel to a possible payment extension or deferment, which gives you a better chance of getting your due date postponed.
Several car companies and some of the biggest lenders have all announced measures for payment assistance during COVID-19. Many in-person offices and dealerships are closed due to shelter in place orders, so you may need to contact them via telephone or by submitting a web/mobile support request.
Many of the top automakers and auto lenders have specific pages dedicated to payment circumstances as it relates to COVID-19. Search for your automaker or auto lender and “COVID-19” to find more information on what assistance or forgiveness is available to you.
Our benefits partner, Stride, has also put together a more in-depth resource on car payment relief here.
If you’re worried about making your credit card payments right now, the best thing you can do is notify your credit card company. Many credit card companies are offering assistance to those experiencing hardships right now, including Bank of America, Chase, and Capital One. If you do need to contact your credit card company, please remember to be patient as wait times are increased due to circumstances surrounding COVID-19.
In addition, our benefits partner, Stride, has put together a resource to help track what the major credit card companies are saying as a result of COVID-19 relief.
In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories were able to apply for an Economic Injury Disaster Loan (EIDL) advance of up to $10,000. This advance is designed to provide economic relief to businesses that are currently experiencing a temporary loss of revenue. This loan advance will not have to be repaid.
At this time, only agricultural business applications will be accepted due to limitations in funding availability and the unprecedented submission of applications already received. Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis. For agricultural businesses that submitted an EIDL application through the streamlined application portal prior to the legislative change, SBA will process these applications without the need for re-applying.
To learn more about the EIDL, visit the SBA website here.
If you find yourself unable to provide for your family’s basic financial needs, you may be able to get temporary support from the Temporary Assistance for Needy Families (TANF) program. TANF works with your state government to provide cash for a maximum of five years. You can spend this cash on food, clothes, housing, transportation, medical supplies, and other household necessities. TANF eligibility depends on your household size, monthly income, and housing costs. You must have children to qualify. TANF programs are run on the state level, so you’ll need to look up your state’s program here to submit your application.
From setting up your profile, to learning how to use the app or how to get paid, the GigSmart help center can give you the info you need to succeed with the Get Gigs app.