COVID-19 Pandemic: Client Resources

Posted on March 23, 2020


Knox Law is committed to serving clients during the COVID-19 Pandemic. Our offices are now open by appointment only, subject to applicable guidance. Many professionals and staff continue to work remotely and are all available by phone and email to help with your questions and concerns.

We remain focused on client care and responsiveness - please reach out to us as needed:

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SBA and Treasuring Issue Further Guidance on PPP Loan Forgiveness - 8/4/2020


DOL Issues Additional Guidance for Employers and Workers (July 20, 2020)

On July 20, 2020, the U.S. Department of Labor published additional guidance for workers and employers on how the protections and requirements of the Fair Labor Standards Act (FLSA), the Family and Medical Leave Act (FMLA), and the Families First Coronavirus Response Act (FFCRA) affect the workplace as workplaces reopen amid the coronavirus pandemic. The guidance from the Department’s Wage and Hour Division (WHD) includes commonly asked questions and answers that address critical issues in all three laws - see more here.


FFCRA Leave for Employees Returning from Travel

Pennsylvania Employees Returning from Travel May Qualify for FFCRA Leave During Quarantine Period - learn more here.


DOL Issues Bulletin on FFCRA Leave for Closure of Summer Camps & Programs

The U.S. Department of Labor (DOL) issued a Field Assistance Bulletin (FAB No. 2020-4) on June 26, 2020 regarding FFCRA Leave based on the closure of summer camps, enrichment programs and other summer programs. Read more here.


REMINDER: PA Requires COVID-19 Safety Procedures Flyers

Reminder: the Commonwealth of Pennsylvania is requiring businesses with in-person operations or who are open to the public to post a COVID-19 Safety Procedures for Businesses flyer on their premises. More here.


FAQs on Health Coverage Issues Relating to FFCRA, CARES Act & More

The DOL, HHS and Treasury have compiled FAQs regarding implementation of the Families First Coronavirus Response Act (FFCRA), the Coronavirus Aid, Relief, and Economic Security (CARES) Act, and other health coverage issues related to COVID-19. More here.


New PPP Loan Forgiveness Applications & Instructions Posted 6/16/2020

The U.S. Treasury and SBA published new, updated PPP loan forgiveness applications and instructions on June 16, 2020. More here.


U.S. Department of Labor Issues FAQ About Face Coverings, Surgical Masks and Respirators in the Workplace

More here:

https://www.osha.gov/news/newsreleases/national/06102020


Paycheck Protection Program Flexibility Act Signed Into Law

The Paycheck Protection Flexibility Act of 2020 has been signed into law on June 5, 2020.

The PPP Flexibility Act provides PPP loan borrowers with 24 weeks to utilize PPP loan funds, instead of 8 weeks. It also allows borrowers to utilize no more than 40% on non-payroll cost expenses, versus the current 25% threshold.

Also, it provides the borrower the opportunity to negotiate with the PPP lender/bank to extend the term of the loan to a minimum of 5 years, instead of the current 2 year period. Borrowers have until December 31, 2020 to "fix" any reduced number of employees or salary reductions that may impact forgiveness. The previous deadline was June 30, 2020.

Additionally, the payments of the loan are now deferred until the amount of loan forgiveness is determined. Previously it had been for 6 months from receipt of the loan.


Unemployment Compensation & Work Refusal in Pennsylvania

Information on employees refusing to return to work, and recommendation to check unemployment compensation charges very carefully: UC & Work Refusal in Pennsylvania


Opportunity Zones: IRS Extends Deadlines

The IRS has released Notice 2020-39, extending critical Opportunity Zone deadlines.

Now, an investor whose 180 day period to invest in a Qualified Opportunity Fund (QOF) expired on or after April 1, 2020, but before December 31, 2020, can make that investment up to December 31, 2020.

This extension allows taxpayers who realized gains at any period from the fourth quarter of 2019 until April 1, 2020 to invest those funds into a QOF before the end of 2020. This extension will give taxpayers the maximum ability to realize significant tax advantages through the investment of capital gains in Opportunity Zones.

Additionally, the Notice provides that the period of April 1, 2020 through December 31, 2020 is not counted for purpose of the 30 month substantial improvement period. This allows Opportunity Zone projects that were stalled as a result of the mitigation efforts of COVID-19 to be continued as qualified OZ projects.

MORE INFO: https://www.kmgslaw.com/news/opportunity-zones-irs-extends-deadlines


OSHA Issues Alert on Social Distancing Steps Employers Can Take

"The U.S. Department of Labor’s Occupational Safety and Health Administration (OSHA) has issued an alert listing steps employers can follow to implement social distancing in the workplace and to help protect workers from exposure to the coronavirus."


SBA Issues Interim Final Rule on Loan Forgiveness

The SBA Issued its Interim Final Rule on Loan Forgiveness as well as its Interim Final Rule on SBA Loan Review Procedures and Related Borrower and Lender Responsibilities on May 22, 2020.

Each can be found at the following links:

PPP Loan Forgiveness

Loan Review Procedures


SBA Posts Borrower's Loan Forgiveness Application

The SBA has posted a Borrower's Loan Forgiveness Application. We will circulate more information upon review; however, you can begin to review it here: SBA Borrower's Loan Forgiveness Application


FEMA Develops Exercise Starter Kit for Returning to Full Operations


New SBA FAQs #46 & #47 – Safe Harbor Guidance: The SBA Gets It (Partially) Right for Once

More information and analysis of SBA's FAQ #46 and #47, issued May 13, 2020 (here).


ALERT: SBA Clarifies Loan Forgiveness When Laid-Off Employee Refuses Re-Hire Offer


ALERT: IRS Notice 2020-32 Issued: EXPENSES PAID WITH LOAN FORGIVENESS FUNDS ARE NOT DEDUCTIBLE

The full IRS notice can be accessed here: https://www.irs.gov/pub/irs-drop/n-20-32.pdf


OSHA Poster on 10 Steps to Reduce Risk of Exposure to Coronavirus


CARES Act Details RE: Retirement Plans and IRAs

Section 2202 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), enacted on March 27, 2020, provides for special distribution options and rollover rules for retirement plans and IRAs and expands permissible loans from certain retirement plans.

The IRS has published Q&A’s dealing with these distribution options and rollover rules- see more here.


PA Dept of Health New Public Health Safety Measures for Businesses Permitted to Maintain In-Person Operations


Top 10 PPP Loan Issues Needing More Guidance

In addition to the complicated rules and requirements to achieve maximum loan forgiveness, there are a number of open issues the SBA and Treasury must address in order to get a better (and more complete) picture on how a PPP loan borrower can get the best use and results from the PPP loan funds. Read more here.


Maximize Your PPP Loan Forgiveness​

It is not too early to start thinking about the ways to maximum your PPP loan forgiveness... because, let’s face it, that is one of the most attractive features of these PPP loans. Read more here.


CDC Issues New Guidance for Workplaces Where an Employee May Have Had Exposure to COVID-19

As of April 10, 2020:

Interim Guidance for Implementing Safety Practices for Critical Infrastructure Workers Who May Have Had Exposure to a Person with Suspected or Confirmed COVID-19

CDC Printable Flyer for Employees


Newest EEOC Guidance (April 10, 2020)

What You Should Know About COVID-19 and the ADA, the Rehabilitation Act, and Other EEO Laws


CARES Act Retirement Plan Relief

The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) permits greater access to retirement plan distributions and loans, and a one-year waiver of the Internal Revenue Code’s (“Code”) required minimum distribution rules. Employer sponsors of retirement plans may amend their plans to adopt the relief measures afforded by the CARES Act. Read more here.


Important Labor & Employment Related Resources


Loans, Tax Credits, Contract Issues & More

We have seen a flurry of activity from all sectors of government in recent days to assist businesses who are dealing with this unprecedented time in our economy and public health arena. Click here for a summary of loan opportunities, tax credits, and contract considerations.


Trump Administration Makes Sweeping Regulatory Changes to Help U.S. Healthcare System Address COVID-19 Patient Surge


Message to Estate Planning Clients​

Our estate attorneys and staff are pleased to review, at no cost, estate plans we prepared for you (or your clients). Further, if you are a new client concerned about your estate plan and would like to have us review it, there is also no charge for our review.

NOTE: under Pennsylvania law, wills and trusts do NOT need to be witnessed or notarized to be valid. We can provide documentation to clients who wish to revise or develop their estate plans. The clients can execute the documents in their homes and, after the pandemic subsides, we can more fully review the plans and, if necessary, adjust them further at our office and provide for witnesses and notarization. Please read our full statement here.

Contact our Estate Planning Attorneys today.


Other Resources - General

CDC Guidance for Businesses and Employers

Erie Regional Chamber and Growth Partnership Coronavirus Business Guide

Manufacturer & Business Association COVID-19 Employer Resources

Ben Franklin Technology Partners Resources for Small Businesses

Erie County COVID-19 Website

City of Erie Government Facebook Page

Resources for Nonprofits from The Nonprofit Partnership

Pennsylvania Department of Education

Pennsylvania School Boards Association

U.S. Chamber of Commerce COVID-19 Resources


For more information, please contact Sarah Holland.