威斯康星州政府救济指南
为了在 2019 冠状病毒病 (COVID-19) 疫情期间帮助合作车主和派送员，我们正在努力收集可能适用于您的相关政府经济援助最新信息。在本指南中，我们将解答重要问题并分享相关资源，以帮助您申请。¹
在开始使用前，请注意，官方信息来源应为州级和联邦政府机构。我们知道，该流程可能非常复杂并令人困惑，尤其，包括我们在内的所有人能无法提供全部答案。我们获取更多信息后，将继续修订此指南。在接下来几周内，请返回此处查看更新信息。
不在威斯康星州？转到此处以查看其他地点的信息。
提供哪些类型的政府经济支持？
有多种政府经济援助可供申请，其中许多都是首次为您这样的独立承包商提供。
美国政府已通过相关立法。按照规定，您可能符合获得政府经济援助的资格要求。您可能听说过该法案，即《CARES 法案》。根据这项新法案，您可以通过以下方式就 2019 冠状病毒病 (COVID-19) 导致的收入损失获取经济援助：
- 为失去收入的人士提供直接经济援助
- 可免除贷款或紧急现金预付款
- 带薪休假税费抵免
在某些情况下，由于这些方案和福利尚未正式推出，州级机构可能需要数周才能处理您的申请和索赔。
什么是直接经济援助？
联邦政府已允许因 2019 冠状病毒病 (COVID-19) 疫情失去收入来源的独立承包商获取各州通常提供给收到 W-2 表格并申请失业保险的人士的福利。您可能听说过这项由联邦资助的直接经济援助：“大流行性失业援助”(PUA)。
我可以收到多少款项？
The total amount of financial aid you could receive will depend on your individual circumstances, including your state's calculation and your current and historic earnings.
我可以获得多长时间的直接经济援助？
Federal Pandemic Unemployment Compensation (FPUC) provided $600 per week for every week an individual qualified for either federal or state unemployment relief for the weeks ending April 4, 2020 through July 25, 2020. This federal benefit ended and will remain expired unless Congress reinstates the program.
我可以获得多长时间的直接经济援助？
根据 PUA 相关规定，截至 2020 年 12 月 31 日，您最多可以从联邦政府获取长达 39 周的 PUA 款项。
款项是否有追溯效力？
如果您符合相关资格，且能够在提交日期前准备好因 2019 冠状病毒病 (COVID-19) 导致收入损失的文件资料，则可以针对最早至 2020 年 2 月 2 日的损失提交 PUA 申请。
如何判断我是否符合相关资格要求？
如果您因 2019 冠状病毒病 (COVID-19) 失去收入来源，可能符合获取 PUA 的资格。如果您有其他收入来源并收到 W-2 税费表格，可能符合获取常规失业保险的资格，请咨询您所在的州，了解正确的申请方法。请查看下方的“常见问题”部分，详细了解可符合援助资格的 2019 冠状病毒病 (COVID-19) 相关情形。
To avoid unnecessary delays, it's always a good idea before submitting any application to make sure that you are up to date with any legal requirements, including timely filed and paid taxes wherever applicable.
可申请哪些类型的贷款和紧急现金预付款？
The US Small Business Administration (SBA) has 2 programs that are new for independent contractors under the CARES Act. We’ll describe them below, but you can always learn more about these relief options through the SBA website. Update: New COVID relief measures temporarily extends PPP through March 31, 2021 and clarifies that businesses will be able to take tax deductions for otherwise deductible expenses paid with PPP loans.
工资保障计划 (PPP)
This program allows participating banks and lenders to offer forgivable loans to small businesses and independent contractors.
- How much could I receive? You could be eligible for a PPP loan up to 2.5 times your average monthly net self-employment income over the last 12 months.
- Would I have debt to pay back? The PPP loan and interest are 100% forgivable if you apply for loan forgiveness and can document that you used it for authorized purposes. You can apply for loan forgiveness at the end of your loan period (the eight weeks following initial disbursement) by completing this application provided by the SBA and submitting to your lender.
- I've already received one PPP loan, could I receive another? New COVID relief measures provide a second forgivable loan for the hardest-hit small businesses and independent contractors. In order to be eligible for a second loan, you must demonstrate a loss of 25% of gross income in any quarter in 2020 when compared to the same quarter in 2019 and meet other requirements.
- Are PPP loans taxable? A forgiven PPP loan is tax-exempt and is not taxable income.
How can I apply?
PayPal* is currently processing applications for SBA Paycheck Protection Program loans for independent contractors. Learn more and begin your application here. To apply through PayPal, you will need:
- Prepared 1040 Schedule C from 2019 (even if you haven’t yet filed with the IRS)
- 1099-MISC from 2019, If you did not receive a 1099-MISC due to reporting thresholds, you will not be able to complete an application through PayPal at this time
- Copy of a bank statement from 2020
- Other documentation may be requested
BlueVine is another lender currently processing SBA Paycheck Protection Program loans for independent contractors. Learn more and begin your application here. To apply through BlueVine, you will need:
- Prepared 1040 Schedule C from 2019 or 2020 (even if you haven’t yet filed with the IRS)
- Bank statements
- Average monthly payroll costs
- Other documentation may be requested
- There are many lenders processing PPP loan applications. Here are some resources for finding a lender:
- Ask your bank or credit union whether they’re processing PPP loan applications for independent contractors. This program is optional for lenders, so not all financial institutions are processing these applications.
- Find an approved lender using this SBA tool. Once you find an approved lender, ask what documentation you’ll need to apply. Some lenders may not require a 1099-MISC.
经济损失赈灾贷款 (EIDL) 紧急预付款
This program allows small businesses and independent contractors to apply for a non-forgivable EIDL loan.
- Would I have debt to pay back? The EIDL loan will need to be repaid, plus interest. You can find more information on the loan terms on the SBA website.
- How can I apply? You can apply for a loan through the EIDL program on the SBA website. The US Chamber of Commerce also has a helpful step-by-step guide.
We think it’s important for you to know that there are a few types of government assistance available, some of which may prevent you from receiving others. For example, if you receive a PPP loan, you may not be eligible for Pandemic Unemployment Assistance (PUA) for the duration of your loan. This can be a complicated and tough decision, so we encourage you to take time to consider what is best for you.
什么是带薪假期税费抵免？
《家庭优先冠状病毒应对法案》(Families First Coronavirus Response Act) 签署于 2020 年 3 月 18 日，针对小企业和独立承包商因 2019 冠状病毒病 (COVID-19) 休假的情况提供税费抵免。这意味着，您可以申请带薪休假税费抵免，从而减少应缴税额，甚至可以获得退税。
哪些情况符合相关资格要求？
如果您无法工作的原因为自我隔离、自身或家庭成员患病，或者由于 2019 冠状病毒病 (COVID-19) 导致学校停课而必须照顾孩子，您可能符合相关资格要求。若在 2020 年 4 月 1 日至 2020 年 12 月 31 日期间休假，可能符合要求。
税费抵免金额是多少？
税费抵免的金额因地点和具体情况而异。您可以查看 IRS 提供的更多信息，具体参见“带薪病假可退还税费抵免概述”、“带薪家庭假可退还税费抵免概述”以及“与个体自雇人士相关的具体规定”（常见问题 60－66）部分。
如何获得税费抵免？
如果您对该计划或自身税务情况有其他疑问，请咨询持证税务顾问。
在哪里可查看更多信息？
目前尚无全部答案，但以下是优步、我们的合作伙伴以及政府机构提供的一些相关资源。
常见问题
- 哪些情况符合获取 PUA 的资格要求？
根据劳工部指南，如果您已获准在美国工作，不符合获取其他传统失业救济的资格要求，并可证明您可以工作但因2019 冠状病毒病 (COVID-19) 相关情况无法工作，则您符合获取 PUA 的资格要求。这些情况包括但不限于：
- 您已确诊感染 2019 冠状病毒病 (COVID-19) 或专业医疗人员建议您自我隔离
- 家庭成员确诊感染 2019 冠状病毒病 (COVID-19)
- 您必须照顾已确诊感染 2019 冠状病毒病 (COVID-19) 的家庭或住户成员
- 您是儿童或其他因 2019 冠状病毒病 (COVID-19) 无法进行正常活动的住户成员的主要看护者
- 由于强制隔离或按要求进行自我隔离（例如，由于免疫系统受损），您无法前往工作地点
- 因 2019 冠状病毒病 (COVID-19) 疫情，关于限制出行的州或市政紧急指令导致贵公司无法持续运营，贵公司被迫暂停运营
此外，作为有可报告收入的独立承包商，如果由于 2019 冠状病毒病 (COVID-19) 公共卫生紧急事件严重妨碍您继续从事常规工作，导致被迫中止这些活动，并因此失业、半失业或无法工作，您也可能符合获取 PUA 的资格要求。
- 我正在申请绿卡。如果我申请这些福利，是否会影响绿卡申请状态？
我们知道这个问题并不简单，建议您联系移民专业人士（如律师），他们会审核您的资格符合情况和具体移民情况。司法部提供的无偿法律服务提供商列表可能会对您有所帮助。
- 我失去了全职工作，目前正在领取失业救济金。我还能以独立承包商的身份申请救济吗？
如果您符合获取传统失业保险的资格，或已获得传统失业保险，则可能不符合获取 PUA 的资格。您应访问所在州的网站，以获取更多指南。
- 我正在申请绿卡。如果我申请这些福利，是否会影响绿卡申请状态？
我们知道这个问题并不简单，建议您联系移民专业人士（如律师），他们会审核您的资格符合情况和具体移民情况。司法部提供的无偿法律服务提供商列表可能会对您有所帮助。
- 我仍然有全职工作，但由于疫情，我无法通过优步开车接单或送餐。我还能因接载或送餐方面的收入损失获得救济吗？
截至 2020 年 4 月 17 日，联邦政府尚未就此问题发布相关指南，这意味着不同的州可能会以不同的方式处理此问题。您可以访问劳工部的网站，了解是否可以就 W-2 收入之外的独立承包商工作收入损失提出索赔。
- 我失去了全职工作，目前正在领取失业救济金。我还能以独立承包商的身份申请救济吗？
如果您符合获取传统失业保险的资格，或已获得传统失业保险，则可能不符合获取 PUA 的资格。您应访问所在州的网站，以获取更多指南。
- 我已获得非政府机构提供的经济援助。还能申请 PUA 吗？
您仍然可以申请 PUA，但如果您已获得可弥补收入损失的经济援助，可能需要在申请中报告此问题。
- 如果我已获得 EIDL 紧急预付款，是否还能申请 PPP 贷款？
是，如果您已获得 EIDL 紧急预付款，仍然可以申请 PPP 贷款。根据 SBA 指南，如果您已在 2020 年 1 月 31 日至 2020 年 4 月 3 日期间获得 EIDL 贷款，此金额将从您的 PPP 可贷款总额中扣除。然而，由于 EIDL 紧急预付款无需还款，其不会影响您的 PPP 可贷款总额。
- Will my Uber account be deactivated if I apply for unemployment benefits?
No. Any decisions you make to apply for government financial support will have no impact on the status of your account.
- The unemployment/PUA application asks for contact information of all past employers. What contact information do I use for Uber?
You are considered an independent contractor, not an employee, based on your agreement with Uber. You should not have to provide contact information for companies that you do not have an employment relationship with -- depending on how your state collects information on this question, you could do one of the following:
- Select “no” if there is a drop-down menu
- If you operate under an LLC or other structure, you could list that information
- If you operate as a sole proprietor, you could list your personal information
- 我需要提供哪些类型的文件才能获得 PPP 贷款？
如果您有意获取 PPP 贷款，请联系符合资格要求并参与计划的贷款人。您可以使用此 SBA 实用工具，查找符合条件的贷款人。
- 如果我已获得 EIDL 紧急预付款，是否还能申请 PPP 贷款？
是，如果您已获得 EIDL 紧急预付款，仍然可以申请 PPP 贷款。根据 SBA 指南，如果您已在 2020 年 1 月 31 日至 2020 年 4 月 3 日期间获得 EIDL 贷款，此金额将从您的 PPP 可贷款总额中扣除。然而，由于 EIDL 紧急预付款无需还款，其不会影响您的 PPP 可贷款总额。
- 如果我已获得 PPP 贷款，是否还能申请失业救济？
我们正在努力针对此问题提供明确答案，但截至 2020 年 4 月 17 日，联邦指南尚未解答已获得 PPP 贷款的个人是否还能获取 PUA 的问题。
- I received a loan through the Paycheck Protection Program. Can I still drive or deliver?
Yes. However, make sure to consult with your lender to ensure you understand all the steps you will need to take to qualify for loan forgiveness of a Paycheck Protection Program loan.
- I had a W-2 job that I lost due to COVID, but a majority of my earnings are from driving and/or delivering using Uber. Am I eligible for PUA?
Even if your income as an independent contractor was more than your W-2 income, federal guidance states that PUA is only available to individuals who are not eligible for traditional unemployment benefits. This means that you will not be eligible for PUA if you are receiving or are eligible to receive traditional unemployment. But if your W-2 income does not meet the minimum monetary requirements for traditional unemployment, you have exhausted traditional unemployment, or are otherwise ineligible for traditional unemployment, you may be eligible for PUA.
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