Help for Individuals

Information about Federal Assistance, Unemployment Benefits, Paid Leave and Student Loan Relief below.

Apple Health (Medicaid) Coverage is has opened enrollment to people who are uninsured who have had life changes as a result of COVID-19. Select here.
Children's Health Coverage with Washington State DSHS 
Emergency order on coronavirus testing and surprise billing extended. Insurance Commissioner Mike Kreidler has extended two emergency orders. His order requiring health insurers to waive copays and deductibles for any consumer requiring testing for coronavirus (COVID-19) and his order protecting consumers from receiving surprise bills for lab fees related to medically-necessary diagnostic testing for COVID-19 are both extended until Dec. 24. Additional information here
Employment Security Department of Washington State has resources to support you during the COVID-19 pandemic, including:
Lost Wages Assistance | Returning to work | Federal stimulus updates |Frequently asked questions | COVID-19 rulemaking | More information on COVID-19
Everett Water Assistant Program
:
https://ccsww.org/get-help/specialized-services/everettwaterassistance/
Insurance and Lending: This list details auto and mortgage lenders with relief packages and programs for borrowers.
Mortgage & Rental Assistance: 
Help is available for homeowners who will have difficulty paying their mortgage. Call 877-RING-DFI (746-4334), or
visit www.homeownership.wa.gov to get assistance on how best to contact your mortgage servicer and to learn more about your options. 
For renters, there is a moratorium on evictions due to inability to pay. Click on the link for more information.  
Renter resources for FAQ's about the moratorium, sample letters to send to your landlord and contacts if you are trying to be evicted found here.
Northshore Senior CenterCOVID-19 Resources available to provide information to seniors about: utility discounts, unemployment, senior property tax relief, SNAP (food stamp) benefits, small business loans & grants. Call 425-286-1072 for assistance.
Project PRIDE (Providing Relief for Individuals Dependent on Energy) helps local people pay energy bills whose income is below 150% of the federal poverty level. Must have disconnection notice of service. Call St. Vincent de Paul at 425-374-1243 or visit PUD’s webpage.
Scams
Attorney General Bob Ferguson is warning Washingtonians about scams related to stimulus payments from the federal government to help people get through the COVID-19 pandemic. The federal government will not ask to confirm your personal or banking details by email, phone or text message, or demand a “processing fee” to obtain or expedite your stimulus payment. Do not click on links in email or text messages relating to the stimulus checks and do not provide your personal information. 
Sno-Isle Library: Laptop & Wi-Fi Hotspot Checkout, Free remote printing. View the Blog Webpage available resources for a variety of topics.
Utility Payment Assistance: Snohomish County PUD has developed a COVID Community Support Plan to help customers struggling to pay their electric and water bills.
Washington State Food, Rental and Emergency Housing Assistance resources found here.  

Paid Leave Benefits
The Families First Coronavirus Response Act requires private employers with fewer than 500 workers and all public employers to provide paid sick leave to employees affected by the coronavirus (exceptions for health care providers, emergency responders and certain small businesses are allowed). Full-time workers get up to 80 hours of sick leave, while part-time workers get sick leave for the average number of hours they work over a two-week period. A worker is only able to take paid leave if he or she is:

Workers who are sick or quarantined get full pay while on coronavirus leave, up to $511 per day ($5,110 in total). Workers caring for another person or on leave because of an HHS-specified condition get two-thirds of their normal pay while on leave, up to $200 per day ($2,000 in total). 

The new law also extends the existing Family and Medical Leave Act (FMLA) to cover a worker's absence (including an inability to telework) to care for a minor son or daughter if the child's school or daycare has been closed, or the child's care provider is unavailable, because of the coronavirus.
  • Subject to a federal, state or local coronavirus quarantine or isolation order;
  • Advised by a health care provider to self-quarantine due to coronavirus concerns;
  • Experiencing coronavirus symptoms and seeking a medical diagnosis;
  • Caring for someone else who is subject to a coronavirus-related federal, state or local quarantine or isolation order, or who has been advised by a health care provider to self-quarantine due to coronavirus-related concerns;
  • Caring for a son or daughter if the child's school or daycare has been closed, or the child's care provider is unavailable, due to coronavirus precautions; or
  • Experiencing any other substantially similar condition specified by the Secretary of Health and Human Services.
Workers receive two-thirds of their regular salary while on coronavirus-related FMLA leave, but compensation is capped at $200 per day and $10,000 in total. However, this leave does not kick in until after 10 days. (During that time, workers are presumably able to take sick leave as described above.)

The expanded FMLA provisions apply to employers with fewer than 500 employees, but not to certain health care providers and emergency responders. Exemptions are also available for small businesses with fewer than 50 employees if the new requirements jeopardize the business's viability.

Any wages paid as coronavirus sick or family leave aren't subject to Social Security (or Railroad Retirement) payroll taxes paid by employers.

Student Loan Relief 
Official Federal Student Aid website. Federal student loan flexibilities for the COVID-19 emergency have been extended at least through September 30, 2021. 
To provide relief to student loan borrowers during the COVID-19 national emergency, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payment. For updates click here.
Employers can provide up to $5,250 in tax-free student loan repayment benefits. Under prior law, both employees and employers faced tax obligations when participating in student loan repayment benefits. This offers a path for employers to engage in long-term solutions for debt-strapped employees.