Small Business Resources
This will be updated as more resources become available
Below please find helpful resources for small business and entrepreneur relief options
On this page, you'll find:
- Acupuncture Associations that offer guidance and support to clinics in this time
- Federal resources for small businesses and employees that are seeking relief due to COVID-19
- State-level resources available to small businesses impacted by COVID-19
- Information on how to protect your clinic from cyber risks
RECOMMENDED RESOURCES - ASSOCIATIONS and TELEHEALTH BEST PRACTICES
Many associations offer guidelines, webinars, and support for ensuring scope of practice, safety, and best practices for practitioners switching to telehealth, treating COVID symptoms, etc. We highly recommend joining an association for additional guidance and support in times like these. Here are a few that offer COVID support currently:
FSOMA - Florida State Oriental Medical Association
CSOMA - California State Oriental Medical Association
ASNY - Acupuncture Society of New York
Safety & Regulations of TCM Herbal Telemedicine
CSOMA Forum and Network
CCAOM Best Practices for re-opening your clinic
PREVENT SECURITY BREACHES AND PROTECT PHI
Operating during the global pandemic, whether in the office or working remotely? Not sure of how to handle HIPAA compliance when using technology to communicate with patients? Worried about the rise in COVID-19 scams and data breaches? Download the HIPAA Secure Guide for protecting your clinic and training your staff on best practices HERE
Using telehealth to communicate with patients during this pandemic? Not sure how HIPAA comes into play with these remote communications? Check out a free Resource Guide for HIPAA Compliance & Telehealth Guidelines During COVID-19 will provide you with the information you need regarding telehealth and the Office for Civil Right's enforcement discretion during this time. Download Telehealth Compliance and Implementation best practices HERE
The SBA is offering low-interest (typically less than 4%) federal disaster loans up to $2 million for small businesses affected by COVID-19.
Here’s what the Small Business Administration is saying:
The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of Coronavirus (COVID-19).
Not all states are eligible at this time, but they are all applying, so please check in with your local news for updates if your state's disaster relief is pending.
A list of areas eligible, and information on how to apply can be found here: SBA Disaster Assistance COVID-19
Full announcement can be found here: SBA to Provide Disaster Assistance Loans for Small Businesses Impacted by Coronavirus (COVID-19)
Apply for Unemployment Insurance
There are new options available for unemployment insurance benefits related to COVID-19.
From the Department of Labor:
The federal government is allowing new options for states to amend their laws to provide unemployment insurance benefits related to COVID-19.
For example, federal law allows states to pay benefits where:
- An employer temporarily ceases operations due to COVID-19, preventing employees from coming to work;
- An individual is quarantined with the expectation of returning to work after the quarantine is over; and
- An individual leaves employment due to a risk of exposure or infection or to care for a family member.
In addition, federal law does not require an employee to quit in order to receive benefits due to the impact of COVID-19.
For more information and to search the available UI programs, use the Unemployment Benefits Finder linked below and select your state: Unemployment Benefits Finder
UPDATE (March 30): Under the CARES economic relief package, EXPANDED UNEMPLOYMENT INSURANCE IS AVAILABLE FOR WORKERS.
This includes a $600 per week increase in benefits for up to four months, and now includes workers that are not usually eligible for unemployment insurance such as the self-employed, independent contractors and those with limited work history. The new law also provides a 13-week extension of unemployment insurance.
Federal Government Disaster Relief
Find benefits you can access across federal government agencies in response to COVID-19 here: COVID-19 Benefits
We recommend checking out this resource from the CDC with guidance for businesses on how to plan, prepare and respond to COVID-19: Interim Guidance for Businesses and Employers and Coronavirus Response Toolkit
Mortgage Relief (if your bank supports it)
Many lenders are offering relief on repayment for those impacted by COVID-19. Please contact your mortgage lender to see if you qualify. Additionally, many areas have halted evictions and foreclosures for the time-being. Please check with your local government to see if you qualify for any of these options.
Insurance Company ReSponses
Insurance companies are waiving copays and activating emergency plans to help patients receive access to prevention, testing and treatments related to COVID-19 - this is great information to share with your patients as they navigate this crisis.
Health Insurance Provider Responses to COVID