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American billionaires got $434 billion richer during the pandemic
America’s billionaires saw their fortunes soar by $434 billion during the U.S. lockdown between mid-March and mid-May, according to a new report.
Amazon’s Jeff Bezos and Facebook’s Mark Zuckerberg had the biggest gains, with Bezos adding $34.6 billion to his wealth and Zuckerberg adding $25 billion, according to the report from Americans for Tax Fairness and the Institute for Policy Studies’ Program for Inequality. The report is based on Forbes data for America’s more than 600 billionaires between March 18, when most states were in lockdown, and May 19.



The billionaire gains highlight how the coronavirus pandemic has rewarded the largest and most tech-focused companies, even as the economy and labor force grapples with the worst economic crisis in recent history.

According to the report, the net worth of America’s billionaires grew 15% during the two-month period, to $3.382 trillion from $2.948 trillion. The biggest gains were at the top of the billionaire pyramid, with the richest five billionaires -- Bezos, Bill Gates, Zuckerberg, Warren Buffett, and Larry Ellison -- seeing combined wealth gains of $76 billion.



Elon Musk had among the largest percentage gain of billionaires during the two months, seeing his net worth jump by 48% in the two months to $36 billion. Zuckerberg was close behind, seeing his wealth surge by 46% in the two months, to $80 billion. Bezos’ wealth increased by 31% to $147 billion. Bezos’ ex-wife, MacKenzie Bezos, who received Amazon shares in their divorce, also saw her wealth increase by a third, to $48 billion.

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While industry professionals are debating the implications of the new normal, one thing has become abundantly clear: The worldwide coronavirus crisis that have locked many citizens indoors is also rapidly diminishing the allure of shiny trophy office towers.

As the restrictions associated with the COVID-19 pandemic gradually come to an end, a growing number of private businesses are allowing workers to tele-commute indefinitely — some permanently.



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9-5 Jobs to be abolished as the world gets paid more for less hours worked
And it probably should be. The modern 9-to-5, eight-hour workday was invented by American labor unions in the 1800s and went mainstream by Henry Ford in the 1920s. Workers today are still prepared to accept the same shifts because we have become so accustomed to it. People are much happier when they're living where they want and spending their time doing things they're passionate about.



'Could It Work as a Cure? Maybe.' A Herbal Remedy for Coronavirus Is a Hit in Africa, But Experts Have Their Doubts

The launch of Covid-Organics (CVO for short) in Madagascar last month was no different. Within days, multiple African nations, as well as Haiti, were asking about shipments. And while CVO is not yet available for export, Rajoelina acquiesced by sending samples for free. The promotion of an untested cure sparked consternation among the medical community in Africa, and provoked an unusually sharp rebuke from the WHO, which noted in a statement on May 4 that, “Caution must be taken against misinformation, especially on social media, about the effectiveness of certain remedies. Many plants and substances are being proposed without the minimum requirements and evidence of quality, safety and efficacy.” The use of such untested products, it continued, “can put people in danger, giving a false sense of security and distracting them from hand washing and physical distancing which are cardinal in COVID-19 prevention.”



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What the Coronavirus Stimulus Package Means for You

The Coronavirus Aid, Relief and Economic Security Act (CARES) — a $2 trillion stimulus package to provide financial relief to individuals, families and businesses — was signed into law. The 2020 coronavirus stimulus package will deliver relief through a range of measures, including an advanced tax rebate to taxpayers. 

Stimulus Checks for Individuals and Joint Taxpayers

Stimulus checks — up to $1,200 for individuals, $2,400 for joint taxpayers and an additional $500 for each qualifying child under 17 — will be based on information from your most recent tax filings, either 2019 or 2018 if you have not yet filed this season.
According to the IRS, approximately 80% of Americans will be eligible to receive full or partial stimulus payments through the CARES Act.
If you have an adjusted gross income (AGI) of up to $75,000 ($150,000 married filing jointly), you should be eligible for the full amount of the recovery rebate.
*Note, adjusted gross income (AGI) is your gross income like wages, salaries, or interest minus adjustments for eligible deductions like student loan interest or your IRA deduction. Your AGI can be found on line 8b of your 2019 Form 1040.
As your AGI increases over $75,000 ($150,000 married filing jointly), the stimulus amount you get will go down. The stimulus check rebate completely phases out at $99,000 for single taxpayers, $136,500 for those filing as Head of Household and $198,000 for joint filers with no kids.
The stimulus check will be paid this year based on information from your most recent tax return and will be reconciled in tax year 2020 to ensure you received the correct rebate amount.  If you are underpaid based on your 2020 income you may receive more credit. If you are overpaid you don’t have to pay it back.
For those that aren’t required to file a tax return, TurboTax launched a Stimulus Registration Product to help you submit all the necessary information to the IRS so that you can quickly and easily get your money.
For additional information, be sure to check out the stimulus package FAQs here.

Student Loan Payment Relief 

Under the CARES Act, employers can still make student loan payments on behalf of their employees on a tax-free basis, up to $5,250 annually. This means the loan payments would be excluded from the employee’s income. The provision is applicable on loan payments an employer makes from the day the bill was signed into law (March 27, 2020) through Jan. 1, 2021.

Increase in Unemployment Payments 

Unemployment payments will be increased by $600 weekly for four months through July 31, and the bill also includes those who were previously not eligible for unemployment, including part-time employees, freelancers, independent contractors, gig workers, and the self-employed.

Financial Assistance Provided for Eligible Non-Profits and Self-Employed Individuals  

The Small Business Administration’s loan program is now accessible to more businesses and has an increased cap on loans. This Act provides $349 billion for the Small Business Administration to distribute through a new loan program titled the Paycheck Protection Program (PPP), making non-profits, self-employed individuals and contractors eligible to receive assistance. 
The Federal Reserve lending program will also receive $454 billion in support — loans from this fund will be for no longer than 5 years and will be aimed at aiding nonprofits and businesses with around 500-10,000 employees with the goal of retaining at least 90% of their workforce with full compensation and benefits.  
Intuit, the maker of TurboTax, has launched Intuit Aid Assist, a free website with an interactive tool to help eligible small business owners, self-employed individuals and other eligible applicants assess how much federal relief they are eligible for under the CARES Act. 
If you’re self-employed, read this blog post for everything you need to know about what the Coronavirus Aid, Relief, and Economic Security (CARES) Act and Families First Act mean for you.

Penalty Waived for Early Retirement Withdrawal

If you need to take money out of your retirement plan ASAP, keep in mind that the 10 percent early withdrawal penalty may be waived on up to $100K of retirement funds withdrawn if you are a qualified individual impacted by Coronavirus.  You are a qualified individual if:

• You, your spouse, or dependent are diagnosed with Coronavirus 
• You experience adverse financial consequences as a result of being quarantined, furloughed, or laid off
• You had hours reduced due to Coronavirus
• You are unable to work due to your child care closing or reducing hours

Additionally, income attributable to such distributions would be subject to tax over three years, and you may recontribute the funds to an eligible retirement plan within three years without regard to that year’s cap on contributions.

Delay of Social Security Payroll Tax Payment for Employers

Employers, including the self-employed, can delay the payment of the employer portion of the Social Security payroll tax for the remainder of the year and pay back the liability over the next two years.

Stimulus Package FAQs

Who is eligible for the stimulus payment? Will I get a stimulus check?
Individuals with adjusted gross income (AGI) up to $75,000, $112,500 Head of Household, and married couples filing jointly with up to $150,000 in income and an eligible social security number will receive the full payment. For tax filers with income above these amounts, the stimulus payment decreases by $5 for each $100 above the thresholds. 
If you filed tax returns for either 2018 or 2019, you’ll automatically receive a stimulus payment of up to $1,200 for individuals, $2,400 for married couples, and $500 for each qualifying child, based on your latest taxes filed.
How much stimulus money will I get?
If you’re wondering how much money you may qualify for under this relief package, TurboTax can help — just fill out the simple fields in our stimulus calculator here to see your estimated amount.
Eligible taxpayers will receive up to $1,200 for individuals, $2,400 for joint taxpayers and an additional $500 for each qualifying child under 17. 
If you have an adjusted gross income (AGI) of up to $75,000, $112,500 Head of Household, $150,000 married filing jointly, you should be eligible for the full amount of the recovery rebate. The stimulus check rebate completely phases out at $99,000 for single taxpayers, $136,500 for those filing as Head of Household and $198,000 for joint filers with no kids. Your eligibility will be based on information from your most recent tax filings.
When will I get my stimulus check? How long will it take to get my stimulus payment? Can I track the status of my stimulus check?
If you’re wondering how and when you will receive your stimulus check, check out the guidance in the Where’s My Stimulus Check? How to Check the Status of Your Stimulus Check blog post.
Can I get my stimulus check if I haven’t filed my 2019 taxes?
Stimulus checks will be based on information from your most recent tax filings, either tax year 2019 or 2018 (if you have not yet filed this season). If you have not filed your 2019, the IRS will use information from your 2018 tax return.
I’ve already filed my 2019 taxes — do I need to do anything else to receive my stimulus checks?
If you have filed your 2019 taxes, you don’t need to take any further action in order to receive your stimulus check.
How will I get my stimulus check? Can the IRS send the stimulus payment to me via direct deposit?
The IRS will be using the information from your most recent tax return to send you your stimulus check. 
I filed a tax return in 2018 and/or 2019 but didn’t provide my direct deposit information. Can I still get a stimulus check if the IRS does not currently have my direct deposit information?
The IRS won’t have your direct deposit information if you didn’t provide it on your 2018 or 2019 tax returns. This could happen if you had a balance due for 2018 and 2019 or if you requested your refund by check for those years.
The IRS launched a Get My Payment tool that will let you check your payment status, confirm your payment type (direct deposit or check) and enter direct deposit information.
Will I receive my stimulus payment on a debit card?
The IRS started depositing stimulus payments on some debit cards, including the Turbo Visa Debit Card, for taxpayers that chose to receive their refund through that method in tax year 2019 or 2018. If you received your refund on a Turbo Visa Debit Card during your most recent tax filing (2018 or 2019), here is what you need to know.
If you have access to your debit card, there is nothing more you need to do. If the IRS deposits a stimulus payment onto your debit card, you will be able to immediately use the stimulus funds upon deposit. 
If you received a notification that you will be receiving your stimulus payment from the IRS on your debit card and no longer have access to it, we will have more information coming shortly. We encourage you to visit this site, where we are continually updating with the latest information and guidance. We know everyone is anxious to get their stimulus money, and we are committed to helping our customers get access to their stimulus payment as fast as possible. 
Can I still get a stimulus check if I don’t need to file a tax return because I don’t have income from wages or make enough money? How will I get my stimulus payment?
You may not need to file a tax return because you earn income below the IRS filing threshold and aren’t required to file federal income taxes.
If you aren’t required to file a tax return, don’t worry — you are still eligible to receive a stimulus payment.   
For those that aren’t required to file a tax return, TurboTax launched a Stimulus Registration Product to help you submit all the necessary information to the IRS so that you can quickly and easily get your money. 
Can I still get a stimulus check if I only have Social Security Retirement, Disability Income (SSDI), or Railroad Retirement benefits and don’t file a tax return? What do I need to do next?
If you receive Social Security retirement or disability income and are not typically required to file a tax return, you do not need to take any action — you will receive your stimulus payment directly in your bank account.
The IRS will use the information from your Form SSA-1099 or Form RRB-1099 to generate your stimulus payment if you did not file tax returns in 2018 or 2019. Keep in mind that you will receive your stimulus payment as a direct deposit or by paper check, depending on how you normally receive your Social Security income.
If you’re an SSA, VA, SSI or RRB benefit recipient who is seeking the $500 stimulus payment per dependent child under 17, note that the deadline to register using the IRS non-filer tool or the TurboTax Stimulus Registration Product has passed. If you missed this deadline, you will have to wait until 2021 to receive the additional stimulus payments per dependent child.
Can I get a stimulus check if I only get Supplemental Security Income (SSI) and don’t file a tax return?  What do I need to do next?
If you receive Supplemental Security Income (SSI), you will automatically receive a stimulus payment with no further action needed. The IRS projects the payments for SSI recipients will go out no later than early May. The Treasury Department, not the Social Security Administration, will make these automatic payments to SSI recipients. You will generally receive the automatic payments by direct deposit, Direct Express debit card, or by paper check, just as you would normally receive their SSI benefits.
Can I get a stimulus check if I only get Veteran Affairs benefits and don’t file a tax return?  What do I need to do next?
Veterans and their beneficiaries who receive Compensation and Pension (C&P) benefit payments from VA who don’t usually file a tax return and didn’t file their tax year 2018 or tax year 2019 taxes also don’t need to do anything and will automatically receive their $1,200 stimulus check.
*Note, if you receive Social Security retirement or disability benefits (SSDI), Railroad Retirement benefits, SSI or Veteran Affairs benefits you will automatically receive a stimulus check and you don’t need to do anything. However, If you’re an SSA, VA, SSI or RRB benefit recipient who is seeking the $500 stimulus payment per dependent child under 17, note that the deadline to register using the IRS non-filer tool or the TurboTax Stimulus Registration Product has passed. If you missed this deadline, you will have to wait until 2021 to receive the additional stimulus payments per dependent child.
If I just lost my job, but don’t qualify for a stimulus check based on 2018 or 2019 income.  What does that mean for me?
If your 2018 and 2019 income was above the threshold, a stimulus check will not be automatically deposited into your bank account in the next couple weeks, but you might see it in the form of a tax credit when you file your 2020 tax return in 2021, as the credit is for tax year 2020.
Does the stimulus payment impact my eligibility for other assistance programs?
The stimulus payments are not considered taxable income and will not affect eligibility for other government programs and benefits. Additionally, the bill temporarily suspends some of the requirements to use tax refund money to repay debts, including money owed to the IRS.
I am claimed as a dependent on my parents’ tax return but I also work and file a tax return. Will I receive a stimulus check?
Under the CARES Act, if you are claimed as a dependent on someone else’s return you cannot receive a stimulus check.  If you were claimed as a dependent for 2019, but not 2020 you will most likely not receive a stimulus check. You may, however, be able to get a tax credit for it when you file your 2020 taxes in 2021.
I owe (a previous tax debt/student loan debt) can I still receive a stimulus check?
Yes, the CARES Act waives any previous outstanding tax debt or student loans when issuing stimulus checks. The only debt that is not waived is unpaid child support payments.
I support my mother/father and claim them as a dependent, but they get social security income. Can they still receive a stimulus check?
Although your parents received social security income they cannot receive a stimulus check if they are claimed as dependents. Under the CAREs Act, dependents are not eligible for a stimulus check.

We’ve Got You Covered 

You can be confident that TurboTax is here to keep you informed and help you file now. 
Be sure to keep checking back here for the most up to date tax information and changes in response to COVID-19.

F.A.Q. on Stimulus Checks, Unemployment and the Coronavirus Plan

The $2 trillion relief package is sending money directly to Americans, greatly expanding unemployment coverage and making a number of other changes.

Credit...Robert Neubecker

By Tara Siegel Bernard and Ron Lieber

• May 7, 2020
• • 
    

[Read our Coronavirus Relief Small Business F.A.Q.]

President Trump has signed a bipartisan $2 trillion economic relief plan to offer assistance to tens of millions of American households affected by the coronavirus pandemic. Its components include stimulus payments to individuals, expanded unemployment coverage, student loan changes, different retirement account rules and more.

MORE ANSWERS

Frequently asked questions and advice about life under the coronavirus.

Here are the answers to common questions about the relief package. We’ll update this article as we know more.

More information on getting assistance can be found at our Hub for Help.

Stimulus Payments

How large will the payments be?

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Most adults will get $1,200, although some will get less. For every qualifying child age 16 or under, the payment will be an additional $500.

How many payments will there be?

Just one. Future bills could order up additional payments, though.

Is there a place I can check to see where my stimulus payment is and when it is arriving?

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Yes. Go to this page on the I.R.S. website.

How do I know if I will get the full amount?

It depends on your income. Single adults with Social Security numbers who have an adjusted gross income of $75,000 or less will get the full amount. Married couples with no children earning $150,000 or less will receive a total of $2,400. And taxpayers filing as head of household will get the full payment if they earned $112,500 or less.

Above those income figures, the payment decreases until it stops altogether for single people earning $99,000 or married people who have no children and earn $198,000. According to the Senate Finance Committee, a family with two children will no longer be eligible for any payments if its income surpassed $218,000.

You can’t get a payment if someone claims you as a dependent, even if you’re an adult. In any given family and in most instances, everyone must have a valid Social Security number in order to be eligible. There is an exception for members of the military.

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You can find your adjusted gross income on Line 8b of the 2019 1040 federal tax return.

Do college students get anything?

Not if anyone claims them as a dependent on a tax return. Usually, students under the age of 24 are dependents in the eyes of the taxing authorities if a parent pays for at least half of their expenses.

What year’s income should I be looking at?

2019. If you haven’t prepared a tax return yet, you can use your 2018 return. If you haven’t filed that yet, you can use a 2019 Social Security statement showing your income to see what an employer reported to the I.R.S.

What if my recent income made me ineligible, but I anticipate being eligible because of a loss of income in 2020? Do I get a payment?

The plan does not help people in that circumstance now, but you may benefit once you file your 2020 taxes. That’s because the payment is technically an advance on a tax credit that is available for the entire year. So it will depend on how much you earn.

And there are many other provisions in the legislation. You may be able to file for unemployment or for one of the new loans for small business owners or sole proprietors.

Will I have to apply to receive a payment?

No. If the Internal Revenue Service already has your bank account information from your 2019 or 2018 return, it will transfer the money to you via direct deposit based on the recent income-tax figures it already has.

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The payments will also be automatic for people who receive Social Security retirement, survivor or disability benefits and Supplemental Security Income. Recipients of federally managed railroad retirement benefits will receive money automatically, too. But if you receive any of these benefits and do not file a tax return, you’ll need to take an extra step if you have qualifying children who will make you eligible for an additional $500 payment. To collect that, you’ll need to enter additional information through a tool on IRS.gov. (Go to the non-filers section.)

What if my direct deposit information has changed or I want to add it for the first time?

The I.R.S. has set up a page on its website to collect this information. If it doesn’t load because of high demand, keep trying — or attempt to access it at a time with lower demand, like late at night or early in the morning. The system is sensitive; if it doesn’t recognize your information, consider all of the different ways you could render your address and other data.

When will the payment arrive?

Payments have started showing up in bank accounts. Treasury Secretary Steven Mnuchin has said he expected most people to get their payments by April 17. Presumably those people using the new portals would not get money until a few weeks after they are first able to provide their information.

Many people receiving paper checks will have to wait longer because the federal government is producing and distributing them in batches.

What if I haven’t filed tax returns recently? Will that affect my ability to receive a payment?

It could.

On April 10, the I.R.S. posted a notice and instructions for people whose gross income did not exceed $12,200 ($24,400 for married couples) in 2019 and others who were not required to file federal income tax returns. In order to receive a payment, they must fill out a form that is linked from the notice. The form asks for checking account information; people who have no ability to receive a direct deposit will get a paper check in the mail instead.

As part of the announcement, the I.R.S. also said it was still working on ways to push payments automatically to certain people who do not normally file a return, including those who receive veterans’ pension payments. People in those categories can use the new form now to get payments faster if they wish.

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The I.R.S. has been quick to reassure those people that they would not somehow end up owing tax just because they are filing tax returns now, in order to make it easier to receive this one-time payment.

If you’re worried about money that you already owe that you cannot pay, the I.R.S. recommends consulting a tax professional who can help you request an alternative payment plan or some other resolution. You may also be able to apply online without the help of a pro.

Latest Updates: Economy

• U.S. job losses keep mounting, and many of the unemployed can’t get benefits.
• Wall Street braces for report on joblessness amid concern of slow recovery.
• Energy agency sees a steadying in the oil markets.

See more updates

Updated 12m ago

More live coverage: Global U.S. New York

Will most people who are receiving Social Security retirement and disability payments each month also get a stimulus payment?

Yes.

Will eligible unemployed people get these stimulus payments?

Yes.

Will U.S. citizens living abroad get a payment?

Yes, as long as they meet the income requirements and have a Social Security number.

If my payment doesn’t come soon, how can I be sure that it wasn’t misdirected?

During the week of April 13, the I.R.S. intends to release an online tool that will allow you to track the status of your payment.

According to the relief law, you will get a paper notice in the mail no later than a few weeks after your payment has been disbursed. That notice will contain information about where the payment ended up and in what form it was made. If you couldn’t locate the payment at that point, it would be time to contact the I.R.S. using the information on the notice.

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Do I have to pay income taxes on the amount of my payment?

No.

If my income tax refunds are currently being garnished because of a student loan default, will this payment be garnished as well?

No. In fact, the bill temporarily suspends nearly all efforts to garnish tax refunds to repay debts, including those to the I.R.S. itself. But this waiver may not apply to people who are behind on child support.

What about other garnishment orders that I may be subject to?

The National Consumer Law Center has published a guide for people who may be in this spot. The short version: “Consumers should consider withdrawing the funds in cash or transferring the funds electronically or through a debit card payment to pay for necessary goods or services” immediately after the payment arrives.

Unemployment Benefits

Who will be covered by the expanded program?

The plan wraps in far more workers than are usually eligible for unemployment benefits, including self-employed people and part-time workers.

The bottom line: Those who are unemployed, are partly unemployed or cannot work for a wide variety of coronavirus-related reasons will be more likely to receive benefits.

How much will I receive?

It depends on your state.

Benefits will be expanded in an attempt to replace the average worker’s paycheck, explained Andrew Stettner, a senior fellow at the Century Foundation, a public policy research group. The average worker earns about $1,000 a week, and unemployment benefits often replace roughly 40 to 45 percent of that. The expansion will pay an extra amount to fill the gap.

Eligible workers will get an extra $600 per week on top of their state benefit, until July 31. But some states are more generous than others. According to the Century Foundation, the maximum weekly benefit in Alabama is $275, but it’s $450 in California and $713 in New Jersey.

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So let’s say a worker was making $1,100 per week in New York; she’d be eligible for the maximum state unemployment benefit of $504 per week. Under the new expansion, she gets an additional $600 of federal pandemic unemployment compensation, for a total of $1,104, essentially replacing her original paycheck.

States have the option of providing the entire amount in one payment, or sending the extra portion separately. But it must all be done on the same weekly basis.

Do I have to apply for the extra $600 separately?

No. Eligibility depends on whether you qualify for state or other federal unemployment benefits.

Will I get the full $600?

If you’re eligible for at least $1 of state-level or federal unemployment compensation, you get the full $600, according to the Labor Department.

Are gig workers, freelancers and independent contractors covered?

Yes, self-employed people are newly eligible for unemployment benefits for up to 39 weeks through the so-called pandemic unemployment assistance program, which will be administered through the states.

Benefit amounts will be calculated based on previous income, using a formula from the Disaster Unemployment Assistance program, according to a congressional aide. There will be a minimum benefit equal to one-half the state’s average weekly unemployment insurance amount. The national average is about $190 per week, the National Employment Law Project said.

Self-employed workers will also be eligible for the additional $600 weekly benefit provided by the federal government.

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What if I’m a part-time worker who lost my job because of a coronavirus reason, but my state doesn’t cover part-time workers? Am I still eligible?

Yes. Part-time workers are eligible for benefits, but the benefit amount and how long benefits will last depend on your state. They are also eligible for the additional $600 weekly benefit.

What if I have Covid-19 or need to care for a family member who has it?

If you’ve received a diagnosis, are experiencing symptoms or are seeking a diagnosis — and you’re unemployed, partly unemployed or cannot work as a result — you will be covered. The same goes if you must care for a member of your family or household who has received a diagnosis.

What if my child’s school or day care shut down?

If you rely on a school, a day care or another facility to care for a child, elderly parent or another household member so that you can work — and that facility has been shut down because of coronavirus — you are eligible.

What if I’ve been advised by a health care provider to quarantine myself because of exposure to coronavirus? And what about broader orders to stay home?

People who must self-quarantine are covered. The legislation also says that individuals who are unable to get to work because of a quarantine imposed as a result of the outbreak are eligible.

I was about to start a new job and now can’t get there because of an outbreak.

You’re eligible for benefits. You will also be covered if you were immediately laid off from a new job and did not have a sufficient work history to qualify for benefits under normal circumstances.

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I had to quit my job as a direct result of coronavirus. Would I be eligible to apply for benefits?

It depends. Let’s say your employer didn’t lay you off but you had to quit because of a quarantine recommended by a health care provider, or because your child’s day care closed and you’re the primary caregiver. Situations like that are covered.

But this provision wasn’t intended to cover people who quit (or want to quit) because they fear that continuing to work puts them at risk of contracting coronavirus, according to congressional aides.

My employer shut down my workplace because of coronavirus. Am I eligible?

Yes. If you are unemployed, partly unemployed or unable to work because your employer closed down, you’re covered under the bill.

The breadwinner of my household has died as a result of coronavirus. I relied on that person for income, and I’m not working. Is that covered?

Yes.

Whom does the bill leave out?

Workers who are able to work from home, and those receiving paid sick leave or paid family leave, are not covered. New entrants to the work force who cannot find jobs and undocumented workers are also ineligible.

How long will the payments last?

That depends on your state, but many people will get at least 39 weeks through a variety of programs that can kick in at different times. Some may get a year or more if their state’s programs are particularly generous.

To start, you’ll receive your state benefit. (Many states provide 26 weeks of payments, but some offer less. Others use a sliding scale tied to unemployment levels.) After that, a new 13-week federal benefit will kick in.

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What happens next depends on several factors.

States can offer so-called extended benefits in times of high unemployment, and each state has its own formula. The number of weeks offered by each state varies, but it’s usually half the length of the standard benefit. Some offer more.

People who remain unemployed because of a coronavirus-related reason may be able to tap into an additional pandemic unemployment assistance program from the federal government that could augment your state-level benefits, up to a total of 39 weeks. (The 13-week federal benefit doesn’t count toward this total.)

The extra $600 payment will last for up to four months, covering weeks of unemployment ending July 31.

How long would the broader program last?

Expanded coverage would be available to workers who were newly eligible for unemployment benefits for weeks starting on Jan. 27, 2020, and through Dec. 31, 2020.

I’m already receiving unemployment benefits. Will I receive any help?

Yes. Even if you’re already receiving unemployment benefits for reasons unrelated to the coronavirus, your state-level benefits will still be extended by 13 weeks. You will also receive the extra $600 weekly benefit from the federal government.

My unemployment recently ran out — could I sign up again?

Yes. If you’ve exhausted your benefits, eligible workers can generally reapply. But how much you get and for how long depends on the state where you worked. Everyone gets at least another 13 weeks, along with the extra $600 payment through July 31.

Are any unemployment benefits retroactive?

Maybe. If you are newly eligible for benefits, you may be able to claim state-level benefits retroactively, back to Jan. 27. But it will ultimately be determined by your state, which will consider the date that you became unemployed and any extenuating circumstances that prevented you from filing earlier, according to a representative for the Department of Labor.

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People who are already receiving unemployment will not get any retroactive benefits. If your benefits run out, you’ll be eligible for the added 13 weeks of state-level benefits (as long as you continue to meet the eligibility criteria).

The extra $600 payment being paid by the federal government is also not retroactive.

Will this income disqualify me from any other programs?

Maybe. The additional $600 benefit counts as income when determining eligibility for means-tested programs, except for Medicaid and the Children’s Health Insurance Program, known as CHIP.

How long will I need to wait for benefits?

States have been incentivized to waive the one-week waiting period, but it’s unclear how long it will take to process claims — especially with state offices so strained by a flood of applicants.

The arrival of the extra $600 depends on when your state signed an agreement with the Department of Labor. The week ending April 4 or 5 (depending how your state lays out its calendar) is the first week for which unemployed workers can claim the new federal benefit.

But that doesn’t necessarily mean benefits will flow right away. States that are unable to immediately pay the federal pandemic benefit after they sign agreements will pay them retroactively for the weeks you’re entitled to receive them.

Are benefits taxable?

Yes. Benefits are subject to federal income taxes and most state income taxes, according to the Department of Labor. The same goes for the $600. You should be able to elect to have taxes withheld.

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Child support obligations can also be deducted from your benefits.

What happens if I worked in more than one state? Where do I file?

People should apply in the state they worked in last — and be prepared to submit documentation for all income earned in every other state as well, said Michele Evermore, a senior policy analyst for social insurance at the National Employment Law Project. But if you worked in one or more places simultaneously, then she suggested starting with the state you live in.

Student Loans

The federal government has already waived two months of payments and interest for many federal student loan borrowers. Is there a bigger break now with the new bill?

Yes. Until Sept. 30, there will be automatic payment suspensions for any student loan held by the federal government, and it’s retroactive to March 13. It is hard to contact many of the loan servicers right now, so check your account online in the coming weeks. Once you are logged in, look for the current amount due. There, you should be able to see if the servicer has reset its billing systems so that you are showing no payment due.

How do I know if my loan is eligible?

If you’ve borrowed money from the federal government — a so-called direct loan — in the past 10 years, you’re definitely eligible. According to the Institute for College Access & Success, 90 percent of loans (in dollar terms) will be eligible.

Older Federal Family Educational Loans (F.F.E.L.) that the U.S. Department of Education does not own are not eligible, nor are Perkins loans that your school owns (ask your financial aid office if you’re not sure), loans from state agencies, or loans from private lenders like Discover, Sallie Mae and Wells Fargo. The holders of all those kinds of loans may be offering their own assistance programs.

Within a few weeks, you are supposed to receive notice indicating what has happened with your federal loans. You can choose to keep paying down your principal if you want, and you should contact your loan servicer if that is the case. Then, after Aug. 1, you should get multiple notices letting you know about the cessation of the suspension period and that you may be eligible to enroll in an income-driven repayment plan.

I’m signed up for automatic payments. Will my servicer turn them off by itself during this period?

Yes, that is how it’s supposed to happen, according to information that the Education Department posted.

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What happens if I’ve already made a payment since March 13?

You can ask your loan servicer to refund it to you. But keep in mind that it is taking time for servicers to interpret Education Department guidance so they can change their websites and update their customer service representatives.

Will my loan servicer charge me interest during the six-month period?

The bill says that interest “shall not accrue” on the loan during the suspension period.

After repeated questions, the Education Department said any unpaid interest from before the period began will not be added to your loan’s principal — a process known as capitalization — because of the six-month suspension.

In short: No one is supposed to have a larger balance after the suspension than before because of the bill and the relief it offers.

At the end of the suspension, keep a close eye on what your loan servicer does (or does not do) to put you back into your previous repayment mode. Servicer errors are common.

Will the six-month suspension cost me money, since I’m trying to qualify for the public service loan forgiveness program by making 120 monthly payments?

No. The legislation says that your payment count will still go up by one payment each month during the six-month suspension, even though you will not actually be making any payments. This is true for all forgiveness or loan-rehabilitation programs.

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Is wage garnishment that resulted from being behind on my loan payments suspended during this six-month period?

Yes. So is the seizure of tax refunds, the reduction of any other federal benefit payments and other involuntary collection efforts.

Are there changes to the rules if my employer repays some of my student loans?

Yes. Some employers do this as an employee benefit. Between the date the bill is signed and the end of 2020, they can offer up to $5,250 of assistance without that money counting as part of the employee’s income. If the employer pays tuition for classes an employee is taking, that money will also count toward the $5,250.

Retirement Accounts

Which retirement account rules are suspended?

For the calendar year 2020, no one will have to take a required minimum distribution from any individual retirement accounts or workplace retirement savings plans, like a 401(k). That way, you aren’t forced to sell investments that may have fallen in value, which would lock in losses. If you don’t need the money now, you can let the investments sit and hope that they recover.

This change would not affect old-fashioned pensions.

What if I have to take money out of my I.R.A. or workplace retirement plan early?

You can withdraw up to $100,000 this year without the usual 10 percent penalty, as long as it’s because of the outbreak.

You will also be able to spread out any income taxes that you owe over three years from the date you took the distribution. And if you want, you could put the money back into the account before those three years are up, even though the rules may normally keep you from making a contribution that large.

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This exception applies only to coronavirus-related withdrawals. You qualify if you tested positive, a spouse or dependent did or you experienced a variety of other negative economic consequences related to the pandemic. Employers can allow workers to self-certify that they are qualified to pull money from a workplace retirement account.

Can I still borrow from my 401(k) or other workplace retirement plan?

Yes, and you can take out twice the usual amount. For 180 days after the bill passes, with certification that you’ve been affected by the pandemic, you’ll be able to take out a loan of up to $100,000. Usually you can’t take out more than half your balance, but that rule is suspended.

If you already have a loan and were supposed to finish repaying it before Dec. 31, you get an extra year.

Charitable Contributions

I want to help people who are suffering from the pandemic. Does the bill do anything about charitable donations?

Yes. The bill makes a new deduction available — and not just for 2020 — for up to $300 in annual charitable contributions. It’s available only to people who don’t itemize their deductions, and you calculate this new one by subtracting the amount you give from your gross income.

To qualify, you have to give cash to a qualified charity and not to a donor-advised fund, which is a charitable account that affluent people often use to bunch contributions in a particular year in order to maximize deductions. If you’ve already given money since Jan. 1, that contribution counts toward the $300 cap.

I am lucky to have substantial wealth, and I want to give more to charity than I usually do. Have the limits on charitable deductions changed?

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Yes, they have. As part of the bill, donors can deduct 100 percent of their gift against their 2020 adjusted gross income. If you have $1 million of income, you can give $1 million to a public charity and deduct the full amount in 2020.

The new deduction is only for cash gifts that go to a public charity. If you give cash to, say, your private foundation, the old deduction rules apply. And while the organizations that manage donor-advised funds are public charities, you do not get the higher deduction for donating cash to your donor-advised fund.

If your assets are substantial enough that you can give more than your income this year, you won’t lose the deduction for the excess amount. You can use it next year, as has always been the case.

Other Features of the Bill

How does the aid for small businesses and nonprofits work?

Good news here, as you may be eligible for forgivable loans. Our colleague Emily Flitter covered the details in a separate article. Aides to Senator Marco Rubio, Republican of Florida, also wrote a one-page summary of those provisions.

Will there be damage to my credit report if I take advantage of any virus-related payment relief, including the student loan suspension?

No. There is not supposed to be, at least.

The bill states that during the period beginning on Jan. 31 and continuing 120 days after the end of the national emergency declaration, lenders and others should mark your credit file as current, even if you take advantage of payment modifications.

If you had black marks in your file before the virus hit, those will remain unless you fix the issues during the emergency period.

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Credit reporting agencies can make errors. Be sure to check your credit report a few times each year, especially if you accept any help from any financial institution or biller this year.

What if I find black marks anyway?

File a dispute with the credit bureau, but it may take a while to fix them. The Consumer Financial Protection Bureau has told credit bureaus and others that during the pandemic they can take longer than the usual 30 to 45 days to meet the dispute-response deadline, as long as they are making “good faith” efforts.

Is there any relief for renters in the bill?

Yes. The bill puts a temporary, nationwide eviction moratorium in place for any renters whose landlords have mortgages backed or owned by Fannie Mae, Freddie Mac and other federal entities. About 70 percent of all mortgages fall into this category. If you want to figure out whether your landlord has such a mortgage, try plugging the address in to the National Housing Preservation Database.

In addition, the bill stipulates that landlords cannot charge any fees or penalties for nonpayment of rent. The eviction suspension applies only to nonpayment; damaging your place is still grounds for action. This moratorium will last for 120 days after the bill passes.

Does this bill change any rules for health savings accounts and health care flexible spending accounts?

Yes. After at least 15 years of lobbying and debate, menstrual products are now eligible for reimbursement.

Did the legislation make it illegal for any internet provider to cut off service to an individual or small business that can’t pay its bills?

No.

Did the legislation make it illegal for utility providers to cut off service?