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Individuals & Families

Direct Payments to Individuals & Their Families
The CARES Act included important provisions to support families and workers amid this crisis.  To help get money into people’s hands, the bill creates Recovery Rebates, which are direct payment of $1,200 to each adult and $500 per child. Direct to individuals administered by the U.S. Department of the Treasury (for more information, please visit
Payment Amount 
  • This will provide a direct payment to people, including Social Security beneficiaries (retirement, disability, survivor) and Supplemental Security Income (SSI) recipients.
  • The amount of the rebate depends on family size. The payment is $1,200 for each adult individual ($2,400 for joint filers), and $500 per qualifying child under age 17.
  • This payment will be reduced by 5% for all income above $75,000 for individuals, $112,500 for heads of households, and $150,000 for joint filers.
  • It phases out completely at $99,000 for individuals and $198,000 for joint filers with no children.
Payment Delivery 
  • The payment will be based on your federal income tax return filed in 2019 or 2018. If you did not file your taxes in either of those years, your information will be taken from the Social Security Administration. Taxpayers must have Social Security Numbers for themselves and their qualifying children in order to receive rebates.
  • Rebates will be delivered automatically—by the IRS—to most Americans who file individual federal income tax returns.
  • For people who filed a federal income tax return in 2018 or 2019, payments will be sent using either electronic deposit or address information already on file with the IRS. The IRS will set up a way to get the payments to people without that information on file.
Additional Resources
Unemployment Assistance
The CARES Act also expands and extends unemployment insurance benefits.  People who are unemployed will get an extra $600 per week for up to four months, in addition to state unemployment benefits.  These provisions ensure working class families are eligible to receive as much as $3,400 for a family of four, which is especially important after jobless claims soared to 3.3 million last week.  Importantly, unemployment insurance was extended to freelancers, independent contractors, and gig workers, who have all also been impacted by this crisis. These increased payments will run until July 31, 2020.  The application process administered by the Ohio Department of Jobs and Family Services.
Increased Benefit 
  • The Federal Pandemic Unemployment Compensation is a taxable $600 a week in addition to regular state unemployment benefits.
  • States would be allowed to provide an additional 13 weeks of benefits beyond current law.
Expanded Eligibility 
  • People not normally eligible for unemployment insurance are now eligible under this expanded eligibility if their unemployment is due to COVID-19.
  • This specifically includes: Self-Employed workers, independent contractors, “gig economy” workers, and people who were going to begin a new job or new contract which was canceled due to COVID-19.

Additional Resources

Homeowner & Renter Protections
Mortgage Forbearance:
Homeowners with FHA, USDA, VA, or Section 184 or 184A mortgages (for members of federally-recognized tribes) and those with mortgages backed by Fannie Mae or Freddie Mac have the right to request forbearance on their payments for up to 6 months, with a possible extension for another 6 months without fees, penalties, or extra interest. Homeowners should contact their mortgage servicing company directly.
Eviction Protections
Renters residing in public or assisted housing, or in a home or apartment whose owner has a federally-backed mortgage, and who are unable to pay their rent, are protected from eviction for 4 months. Property owners are also prohibited from issuing a 30-day notice to a tenant to vacate a property until after the 4-month moratorium ends. This protection covers properties that receive federal subsidies such as public housing, Section 8 assistance, USDA rural housing programs, and federally-issued or guaranteed mortgages. Renters whose landlord is not abiding by the moratorium should contact the relevant federal agency that administers their housing program or their local Legal Aid office.
Additional Resources