Unemployment Rights and Resources – COVID-19
Across the Commonwealth, Pennsylvanians are doing their part to combat this virus–from staying indoors and delivering supplies to neighbors to caring for sick patients in hospitals and keeping our communities safe—and together, we’re going to beat this.
My office is working to protect the health, safety, and financial security of all Pennsylvanians during this public health emergency. If you need help accessing any of the resources available below and are unsure who to contact, please reach out to my office at 717-787-3391 or email@example.com.
– Josh Shapiro, Attorney General
What You Can Count On
Water, heat, and electricity cannot be shut off during this crisis for protected residential customers
The Public Utility Commission has ended the moratorium on utility shut-offs for residential customers with incomes above 300% of the Federal Poverty level and for all businesses. For residential customers with incomes below 300% of the Federal Poverty Level, the customer can be protected from shut-off through March 31, 2021, but customers will need to contact their utility to obtain what has been called “protected” status. There is also a winter moratorium for residential customers with incomes below 250% of the federal poverty level (150% for PGW customers) that begins on December 1, 2020 and lasts through March 31, 2021. The PUC is still encouraging all customers with past due balances to contact their utility to enter payment arrangements, apply for assistance programs, and qualify for protected status.
If you have questions or your utilities have been improperly shut off, call the Attorney General’s Consumer Advocate at 1-800-684-6560 Monday through Friday from 8:30-4:30 PM.
Unemployment benefits have expanded and increased to meet the COVID-19 crisis
Unemployed Pennsylvanians have access to expanded benefits during the COVID-19 crisis, and people who were not previously eligible can now receive financial support. These new improvements include:
- Expanded eligibility – Many people who weren’t eligible for unemployment before now are, including gig workers such as Uber drivers, workers who are self-employed, contract workers who use 1099 forms for pay, workers who do not have adequate employment history, part-time workers, and workers who have maxed out unemployment benefits. Requirements like the weeklong waiting period and work search registration have been waived.
- Increased support – The maximum amount of financial support has roughly doubled due to the crisis. Before the emergency, benefits were limited to $572 per week. An additional $600 will be added per week until July, and benefits can last for up to 39 weeks.
For more information, please visit the Pennsylvania Department of Labor & Industry’s website. To apply for unemployment compensation, only visit Pennsylvania’s official Unemployment Compensation website at https://www.uc.pa.gov/. You should stay away from third party websites that advertise unemployment compensation information and assistance and report any suspected scams to the Attorney General’s office using our online form.
PA CARE Package: Banks are providing a grace period on mortgages and other loans
Banks are required to provide some financial protections for homeowners and borrowers impacted by the crisis, and many joined the Office of Attorney General’s PA CARE Package to voluntarily expand their efforts. You may be entitled to significant financial protections, including:
- 180-to-360-day grace period for mortgages
- 90-day grace period for other consumer loans, like auto loans
- 90-day window for relief from fees and charges, like overdraft, late, insufficient funds, and monthly service fees
- No new foreclosures, evictions, or motor vehicle repossessions for 60 days
- No adverse credit reporting for accessing relief on consumer loans
Many other banks are also providing more limited relief options. You should contact your bank to see what’s available for you.
Student loan relief
The following benefits must be provided to borrowers with most, but not all, federal student loans. (For example, Federal Family Education Loans (FFEL) and Perkins loans that are not owned by the Department of Education do not qualify.)
- No payments for 6 months. Borrowers will automatically go into a zero-interest forbearance, meaning that your balance and payments will be the same after 6 months.
- The months in this forbearance will count as payments for Public Service Loan Forgiveness and forgiveness under other income driven repayment plans.
- Ban on garnishing wages, tax returns, and more during this 6-month period.
To see if you have federal student loans and what types of loans you have, you can check the Federal Student Aid website. Please note that this website won’t tell you if you have any private loans, or if your federal loans qualify for the 6-month forbearance. To find out if your loans are eligible, you should contact you loan servicer. If you are unable to contact your servicer, please reach out to our Bureau of Consumer Protection.
NOTE: this program is a forbearance which is only zero-interest for 6 months. At the end of the 6-month period, you will be put back into your previous payment plan. At that time, accounts will begin to accumulate interest again. While the federal Department of Education must contact borrowers with several reminders encouraging them to enroll in income-driven repayment (IDR) plans, unemployed borrowers should take action now to make sure they’re in the right IDR plan so that when this program ends they will have affordable payments. To find out what payment plan is right for you, contact your loan servicer as soon as possible.
Your landlord cannot evict you from your home
Pennsylvania’s Supreme Court issued a series of orders closing all state courts to residential eviction proceedings and halting enforcement of residential eviction orders during this emergency. As courts re-open, some evictions that began before the crisis may be able to go forward. However, in most cases, a new eviction proceeding cannot begin until at least July 10th; if your lease is protected, you cannot be evicted from your home during this time.
While most evictions cannot take place, please note that rental contracts remain valid and payments are still due to your landlord. If you cannot pay your rent, contact your landlord first. If your landlord tries to evict you or take other action against you during this time, please file a complaint with the Office of Attorney General’s Bureau of Consumer Protection using our online form. The Office of Attorney General is also working with Pennsylvania landlords to voluntarily halt evictions until adequate time has passed after the public health emergency is over.
You can also contact an attorney. If you do not have an attorney, please contact the Pennsylvania Bar Association’s Lawyer Referral Service at 717-238-6807 or toll-free at 1-800-692-7375. For additional information, you can visit their website. If you need a lawyer but cannot afford to pay for one, you can reach out to the Pennsylvania Legal Aid Network or PALawHelp.
You may have the right to take paid leave to care for yourself or someone else
A new law gives workers at most companies with fewer than 500 employees:
- Two weeks (up to 80 hours) of paid sick leave at the regular rate of pay for those who are unable to work because they are quarantined or experiencing COVID-19 symptoms and seeking a medical diagnosis
- Two weeks (up to 80 hours) of paid sick leave at two-thirds of the regular rate of pay for those who are unable to work because of the need to care for someone who is quarantined or to care for a child whose school or child care provider is closed
- Up to 10 more weeks of paid leave at two-thirds the regular rate of pay for those who can’t work because they need to care for a child whose school or child care provider is closed.
What you can do to protect yourself
Report any price gouging you see
Any suspected price gouging should be reported to the Office of Attorney General’s Bureau of Consumer Protection with our price gouging complaint form.
Avoid and report scams
All of these new laws and benefits can be confusing. Scammers will try to take advantage of this by pretending to help people get benefits, only to steal their personal information or even their money.
Any suspected scams should be reported to the Office of Attorney General’s Bureau of Consumer Protection through the online complaint form. Some examples of common scams include:
- Unemployment compensation – Calls or emails offering to help people apply for benefits should not be trusted. People should only apply online at the official Pennsylvania government website.
- Stimulus checks – Do not respond to unsolicited information about stimulus checks at this time. If checks will be distributed in other ways, this page will be updated.
Care for your own mental health, and the mental health of others
While we focus on the dangers this crisis poses to our physical health, we cannot neglect our mental health. This will be a challenging time, and it is inevitable that these challenges will affect our mental well-being.
The Pennsylvania Department of Health has a helpful list of mental health resources in Pennsylvania.
If you or someone you know is in crisis, please call 911 as quickly as possible. You should also reach out to the Pennsylvania Department of Health’s Support & Referral Helpline at 1-855-284-2494 (TTY 724-631-5600).
Additionally, the Office of Attorney General operates Safe2Say Something, a statewide tip line for Pennsylvania students with concerns about the physical or emotional well-being of themselves or others. This program remains operational and available to Commonwealth schools, students, and parents through the COVID-19 pandemic. To learn more about the program or to submit a tip, please visit https://www.safe2saypa.org/.