{"id":194267,"date":"2021-04-07T11:01:35","date_gmt":"2021-04-07T15:01:35","guid":{"rendered":"https:\/\/www.attendancebot.com\/blog\/?p=194267"},"modified":"2021-08-31T06:25:43","modified_gmt":"2021-08-31T10:25:43","slug":"unemployment-for-small-business-owners","status":"publish","type":"post","link":"https:\/\/www.attendancebot.com\/blog\/unemployment-for-small-business-owners\/","title":{"rendered":"A Guide to Unemployment for Small Business Owners"},"content":{"rendered":"<p>The pandemic has not only taken a huge toll on physical and mental health but also had a devastating impact on employment rates. Everyone plans for uncertainties, but the pandemic changed the definition of uncertainty. The situation forced many entrepreneurs to shut down their businesses. So it\u2019s essential to know the current rules and latest updates on unemployment for small business owners. It is also necessary to find out about the eligibility criteria for unemployment benefits.<\/p>\n<p>In this article, we hope to take you through everything you&#8217;ll need to know for filing for unemployment as a small business owner.<\/p>\n<div class=\"lyte-wrapper fourthree\" style=\"width:960px;max-width:100%;margin:5px auto;\"><div class=\"lyMe\" id=\"WYL_3hwQTK9d_4E\"><div id=\"lyte_3hwQTK9d_4E\" data-src=\"https:\/\/blog.attendancebot.com\/wp-content\/plugins\/wp-youtube-lyte\/lyteCache.php?origThumbUrl=%2F%2Fi.ytimg.com%2Fvi%2F3hwQTK9d_4E%2Fhqdefault.jpg\" class=\"pL\"><div class=\"tC\"><div class=\"tT\"><\/div><\/div><div class=\"play\"><\/div><div class=\"ctrl\"><div class=\"Lctrl\"><\/div><div class=\"Rctrl\"><\/div><\/div><\/div><noscript><a href=\"https:\/\/youtu.be\/3hwQTK9d_4E\" rel=\"nofollow\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blog.attendancebot.com\/wp-content\/plugins\/wp-youtube-lyte\/lyteCache.php?origThumbUrl=https%3A%2F%2Fi.ytimg.com%2Fvi%2F3hwQTK9d_4E%2F0.jpg\" alt=\"YouTube video thumbnail\" width=\"960\" height=\"700\" \/><br \/>Watch this video on YouTube<\/a><\/noscript><\/div><\/div><div class=\"lL\" style=\"max-width:100%;width:960px;margin:5px auto;\"><\/div><\/p>\n\n<h2>The CARES Act for COVID Relief<\/h2>\n<p><span style=\"font-weight: 400;\">According to President Joe Biden, help for small business owners is one of the key elements covered in the American resume plan in the COVID era. Vice-president Kamala Harris supported this and a cash relief package of USD 325 billion was given to 127 million Americans. Under the second phase of payment, the government expands the COVID relief fund to include another 37 million Americans. This second phase includes a direct deposit of 17 million, with a total cash relief value of over 38 billion dollars.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-194269\" src=\"https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-1024x536.png\" alt=\"A Guide to the CARES Act for Small Business Owners\" width=\"1024\" height=\"536\" srcset=\"https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-1024x536.png 1024w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-300x157.png 300w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-768x402.png 768w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-1536x804.png 1536w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-380x199.png 380w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-800x419.png 800w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-1160x608.png 1160w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-80x42.png 80w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-760x398.png 760w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-1600x838.png 1600w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners-600x314.png 600w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/A-Guide-to-the-CARES-Act-for-Small-Business-Owners.png 1999w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p style=\"text-align: center;\">Source: <a href=\"https:\/\/cdcloans.com\/blog\/small-business-guide-cares-act\/\" target=\"_blank\" rel=\"noopener\">CDCLoans<\/a><\/p>\n<p><span style=\"font-weight: 400;\">According to a survey, <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.business.com\/articles\/unemployment-cares-act-small-business-owners\/\" target=\"_blank\" rel=\"noopener\">seventy-six <\/a>per cent<\/span><span style=\"font-weight: 400;\">\u00a0of small business owners suffered huge losses during the pandemic. Many business owners could not claim unemployment benefits until the Coronavirus Aid, Relief, and Economic Security Act came into force. This Act solved unemployment claim issues and expanded their eligibility and benefits. The provisions of the CARES Act are as below:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The package contains over two trillion worth of relief funds for workers and small business owners.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">It provides exclusive and extensive guidance for unemployment insurance programs<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Additional Benefits of the CARES Act are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apart from the weekly benefit, people eligible for <\/span>unemployment for small business owners will receive six hundred dollars funded by the federal government.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regular unemployment insurance is for ten to twenty-six weeks. However, under the CARES Act, one can collect unemployment insurance for an extra thirteen weeks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One can collect a total of thirty-nine weeks&#8217; benefits through unemployment insurance. However, it should be aligned with the policy of the state where the person works. To know more about the CARES act, you can read this <\/span><a href=\"https:\/\/www.business.com\/articles\/unemployment-cares-act-small-business-owners\/\"><span style=\"font-weight: 400;\">article <\/span><\/a><span style=\"font-weight: 400;\">and understand the <\/span><span style=\"font-weight: 400;\">five W\u2019s <\/span><span style=\"font-weight: 400;\">for small business owners.<\/span><\/li>\n<\/ul>\n<h2>Eligibility for Applying to Unemployment Benefits<\/h2>\n<p>The eligibility criteria are standard for small business owners and other workers. People are eligible for unemployment for small business owners if &#8211;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They have lost a job due to COVID-19.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The workers are in quarantine on the recommendation of a healthcare professional.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They need the help of an external facility to take care of their children or other family members, and their businesses shut down because of the pandemic.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They are unable to work during the quarantine.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any of the family members need medical and personal care, affecting their work.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Part-time workers, freelancers, and independent workers can also apply for unemployment benefits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The application for unemployment for small business owners also depends on additional elements like &#8211;<\/li>\n<\/ul>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Were they part of a sole proprietorship or did they hold a position in the company and draw a salary?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Did they pay both federal and state unemployment taxes (FUTA)?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have they lost their employee status?\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are they actively looking for work and alternative opportunities?\u00a0<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p>If your answer is yes, to most of the above questions, it is likely that you&#8217;ve met the eligibility criteria for unemployment benefits.<\/p>\n<p><span style=\"font-weight: 400;\">People who are not eligible for <\/span>unemployment benefits for small business owners <span style=\"font-weight: 400;\">under CARES Act are &#8211;<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People who can work remotely with no geographical constraints<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If they receive sick leave with payment or other benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the business is closed because of other factors not related to the pandemic<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Process for Applying to The Unemployment Benefits Program<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">One must address the unemployment application directly to the state office. Different states have different rules and regulations, so it is essential to know a particular state\u2019s policies. But there are a few documents that can be kept ready for the application process: <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The identification number of the employee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Tax returns for both business and personal income <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Pay stubs of the previous year<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Essential Factors That Applicants Must Consider<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They must respond immediately to the government\u2019s notice, as every application has a deadline regulated by that location\u2019s state authority. The general timeline is ten days, and because of this short duration, the applicant must be careful, look for notices, and respond proactively.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The applicant must be aware of their state policy on unemployment for small business owners, as the state rules are subject to change. The applicant must be up-to-date about any change that might affect their unemployment benefit.<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Other Options for Those Seeking Unemployment Benefits for Small Business Owners<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Information on several COVID-19 relief programs is available for people seeking unemployment benefits. Not only the CARES Act, but there are also other state-regulated unemployment insurance programs as well. These are applicable for unemployed people even if their unemployment is unrelated to the pandemic.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Paycheck Protection Program (PPP) Loan for Small Business Owners<\/span><\/h3>\n<p>According to a <a href=\"https:\/\/www.nfib.com\/content\/press-release\/coronavirus\/nfib-covid-19-survey-small-business-recovery-remains-fragile\/\" target=\"_blank\" rel=\"noopener\">survey by the NFIB<\/a>, 74% of 2020 Paycheck Protection Program borrowers have applied for loan forgiveness. The\u00a0economic outlook has improved slightly over the last few months with 11% of owners reporting that conditions are back to normal now, a six-percentage point improvement from late January.<\/p>\n<p>So what is the Paycheck Protection Program Loan?<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This program creates an application period only for small business owners who have less than twenty employees.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There will be new funding rules for independent workers and sole proprietors.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One billion dollars will be set aside for sole proprietors.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This program will also allow access for student loan defaulters under the federal government.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This program also offers benefits for lawful non-citizens of the US.<\/span><\/li>\n<\/ul>\n<p>Thirteen per cent of small business owners report that they will have to close their doors if current economic conditions do not improve over the next six months, down from 25% in December 2020.<\/p>\n<p>Although the economy is improving, the overall recovery remains uneven across the small businesses. It is crucial that small businesses are given the resources and flexibility needed to ensure they will have a successful recovery.<\/p>\n<p>The PPP Extension Act of 2021 extends the small-business lending program by two months and permits the Small Business Administration to continue processing loan applications through the end of June. Lawmakers lauded the passage of the PPP extension, given that many small businesses are still suffering financial hits brought on by the pandemic. That&#8217;s why Biden included <a href=\"https:\/\/www.businessinsider.in\/policy\/economy\/news\/democrats-propose-50-billion-in-small-business-aid-as-part-of-larger-pandemic-relief-plan\/articleshow\/80776881.cms\" target=\"_blank\" rel=\"noopener\">$50 billion in small business aid<\/a> in his stimulus plan, including $7.25 billion specifically for the PPP.<\/p>\n<h2><span style=\"font-weight: 400;\">Unemployment Benefits to Small Business Owners in Europe<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Millions of Europeans would have suffered extensively if there were no COVID relief funds. About 7% of the European population could not even cover one month of essentials. The European government has also shown particular concern over <\/span>unemployment for small business owners<span style=\"font-weight: 400;\">. Small entrepreneurs are cash strapped in the best of days but COVID has made this cash shortage dire. When businesses run out of cash, debtors and employees aren&#8217;t paid. Leading to a free fall of the economy as we know it.\u00a0<\/span><\/p>\n<p>The European government has also created several relief packages for unemployment for small business owners. There are forty-four countries in Europe with specific rules for their states. Here is a list of a few European countries and rules regarding unemployment for business owners.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-194270 size-full aligncenter\" src=\"https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/European-Unemployment-Claims-for-Small-Businesses.png\" alt=\"European Unemployment Claims for Small Businesses\" width=\"612\" height=\"408\" srcset=\"https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/European-Unemployment-Claims-for-Small-Businesses.png 612w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/European-Unemployment-Claims-for-Small-Businesses-300x200.png 300w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/European-Unemployment-Claims-for-Small-Businesses-380x253.png 380w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/European-Unemployment-Claims-for-Small-Businesses-80x53.png 80w, https:\/\/blog.attendancebot.com\/wp-content\/uploads\/2021\/04\/European-Unemployment-Claims-for-Small-Businesses-600x400.png 600w\" sizes=\"auto, (max-width: 612px) 100vw, 612px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3>United Kingdom Unemployment Benefits for Small Business Owners<\/h3>\n<p><span style=\"font-weight: 400;\">The government has announced a coronavirus job retention scheme under which employees can remain on the payroll. The government will pay eighty per cent of their salaries to a maximum of two thousand five hundred euros. The unemployment benefit seeker can apply at the government\u2019s website. Self-employed individuals in the UK can apply for self-employed income support schemes. The scheme offers a maximum monthly allowance of up to 2,500 euros. However, anyone claiming universal credit or is on maternity leave must check their eligibility on the government\u2019s website. Another scheme for the small and medium enterprises is the <\/span><i>\u2018Coronavirus Business Interruption Loan scheme<\/i>.\u2019 In this scheme, businesses can access up to 5 million euros for up to six years. The company must have an annual turnover of 45 million euros.<span style=\"font-weight: 400;\"> Companies can access loans, invoice finance, overdrafts, and asset finance for up to<\/span><span style=\"font-weight: 400;\"> 5 million euros.<\/span><\/p>\n<h3>France Unemployment Benefits for Small Business Owners<\/h3>\n<p>Small business owners with a reduced turnover can apply for a packaged grant of 1500 euros in the initial phases. It can be extended to 2000 euros later according to requirement. The government will consider their turnovers of the previous year to determine their incomes and the amount they will be eligible to receive. One of the conditions that will determine eligibility for the unemployment benefits for small business owners\u2019 package is that the applicant should not have over ten employees. The annual turnover must be lower than 1 million euros per year.<\/p>\n<p><span style=\"font-weight: 400;\">They may also apply to other state-guaranteed packages on the government\u2019s official website. France\u2019s government has prioritized the small and micro sectors, offering <\/span><span style=\"font-weight: 400;\">4 billion euros<\/span><span style=\"font-weight: 400;\"> for small and micro-business sectors. This fund is only for tiny business enterprises facing tough times because of the pandemic. The fund includes tax returns prepayments, bridging loans, and innovation loans.<\/span><\/p>\n<h3>Germany Unemployment Benefits for Small Business Owners<\/h3>\n<p>The WSF package of the government offers 400 billion euros as loans for small business owners&#8217; unemployment benefits to help them run their businesses. A company with less than five employees is eligible for a 50 million euros non-refundable package from the German development bank- KfW (Kreditanstalt F\u00fcr Wiederaufbau). A company with up to ten employees can claim 15000 euros. The state government of Germany has announced that the government will pay 60 per cent of the net wage. People with at least one child are eligible for 67 per cent of their net salary.<\/p>\n<h3>Spain Unemployment Benefits for Small Business Owners<\/h3>\n<p>The Government of Spain announced a package relief fund of 214 billion euros for small business owners\u2019 unemployment. The lender Instituto De Credito has been given additional means by the government to offer loans to small and micro-companies. There is a hundred per cent liquidity support for small and medium enterprises. All businesses, irrespective of their size, can apply for a loan guarantee scheme.<\/p>\n<h3>Italy Unemployment Benefits for Small Business Owners<\/h3>\n<p><span style=\"font-weight: 400;\">The state lender Cassa Depositi e Prestiti (CDP) offers help in the form of liquidity to the small and medium business enterprises with a state guarantee of up to <\/span><span style=\"font-weight: 400;\">5 million euros.<\/span><span style=\"font-weight: 400;\"> Self-employed individuals can claim an extension on the loan tenure. To help Italy\u2019s five million self-employed people, the government has declared a scheme where self-employed workers can get a one-time payment of 600 euros.<\/span><\/p>\n<p>The pandemic caused governments to form new rules to save people\u2019s livelihoods. Different countries and states have been offering unemployment benefits for small business owners. To apply for unemployment for small business owners, the applicant must understand their state rules and visit the government website to learn more about the application process.<\/p>\n<h2><span style=\"font-weight: 400;\">Small Businesses are the Backbone of the Economy<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The US rescue plan provides emergency help to small business owners, as they are believed to be the engines for the country\u2019s economic growth. <\/span><a href=\"https:\/\/www.business-standard.com\/article\/current-affairs\/global-covid-19-cases-surpass-105-3-million-johns-hopkins-university-121020600166_1.html\"><span style=\"font-weight: 400;\">According to Johns Hopkins University,<\/span><\/a><span style=\"font-weight: 400;\"> the US is the worst-hit country. It is therefore essential to provide immediate help to all the workers and self-employed professionals.\u00a0<\/span><\/p>\n<p>The guide to unemployment for small business owners answers key queries about eligibility, funding, state rules, and country-wise updates of different relief packages for small business owners. HR needs to understand the rules and regulations on both the federal and state level. If they know the recent changes taking place in state rules for unemployment benefits, they can work in a more organized manner.<\/p>\n<p>We understand just how confusing it may be to direct people to collect unemployment in these trying times. Reach out to us <a href=\"http:\/\/twitter.com\/harmonizehq\" target=\"_blank\" rel=\"noopener\">@HarmonizeHQ<\/a> if you need any help regarding all this and more.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The pandemic has not only taken a huge toll on physical and mental health but also had a devastating impact on employment rates. Everyone plans&#8230;<\/p>\n","protected":false},"author":1,"featured_media":194268,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31],"tags":[],"class_list":["post-194267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>A Guide to Unemployment for Small Business Owners | AttendanceBot<\/title>\n<meta name=\"description\" content=\"Unemployment benefits were key to keep employees afloat in these times. But what about unemployment for small business owners? 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