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Coronavirus (COVID-19) Resources

 

COVID-19 Testing, Treatment and Vaccines

Vaccines
Vaccines are available free of charge to anyone in Tennessee 12 and older. Click here to find an appointment near you.

Frequently Asked Questions for Metro Nashville can be found in English here and in Spanish here. General TN Frequently Asked Questions can be found here


Testing
Testing is available to Tennesseans at no cost through local health departments. Testing at private clinics and drug stores may be subject to fees. Metro Nashville testing resources can be found here. A list of all TN testing sites can be found here.


Assistance with Basic Needs

Many local nonprofits received federal funding to provide assistance for basic needs like rent/mortgage, utilities, food, emergency cash assistance and more. For more information about what type of funding you may be eligible for and how to access these funds, call the United Way’s 24-hour resource and referral line by dialing 2-1-1 or (800) 318-9335 or visit their website


CDC Eviction Moratorium 

The moratorium on evictions has ended. 
 

Rent, Mortgage and Utility Assistance

Information and Frequently Asked Questions (FAQs) for Homeowners and Renters


Metro Action Commission
The Metro Action Commission (MAC) can provide assistance with rent/mortgage, utilities, rental deposits, and medicine. For more information, visit their website here.


Tennessee Housing Development Agency (THDA)
The THDA can help people living in Cheatham County and Dickson County with rent, utilities, or other home energy costs due to los of wages/income as a result of the COVID-19 pandemic. The COVID-19 Rent Relief application portal will open on March 1 and will continue until all funds have been expended. Funding is limited for this program so all interested applicants should apply as soon as possible. More information can be found here.


Affordable Housing Resources
Affordable Housing Resources can provide rental or mortgage assistance to Davidson County residents who have lost a job or experienced a reduction of income due to COVID-19. For more information, visit their website or call (615) 251-0025 ext. 0.


NeedLink
NeedLink can provide assistance to Davidson County residents. Priority is given to single-parent families, seniors and community members with disabilities. Their online application for rent, water and gas assistance is open every Monday at 8 a.m. and remains open until they receive the maximum amount of applications that can be processed that week. It is recommended to apply as close to 8 a.m. as possible. Nashville Electric Service's Project Help provides assistance to elderly, disabled and low-income customers who cannot afford to pay their electric bill. The application is open every week between Monday at 8 a.m. and Thursday at 12 p.m. and can be found here


Nashville Conflict Resolution Center
The Nashville Conflict Resolution Center provides free mediation to help resolve landlord-tenant eviction issues, particularly-but not only-those involving a failure to pay rent and financial assistance to pay back and current rent owed to landlords. More information can be found here


Food Assistance

Second Harvest Food Bank
Food box and food pantry sites available throughout Middle Tennessee, including Cheatham, Davidson and Dickson counties. Click here to use your county or your zip code to find food available near you. Call to confirm before you visit as schedules may change.


The Little Pantry That Could 
Weekly, shelf-stable food to anyone in need. For more information, visit their website here.


Mid-Cumberland Community Action Agency
Food assistance for Cheatham Co. residents. Contact (615) 792-3632 for assistance or visit their website.


Supplemental Nutrition Assistance Program (SNAP)
If you need help buying groceries due to Coronavirus (COVID-19), apply for SNAP benefits here. Frequently Asked Questions about SNAP benefits can be found here.


Temporary Assistance for Needy Families (TANF)/Families First
Families First, the state’s Temporary Assistance for Needy Families (TANF) program provides temporary cash assistance, transportation, childcare assistance, educational supports, job training, employment activities, and other support services. Check eligibility requirements here. Apply for TANF/Families First benefits here.


Tennessee Women, Infants, and Children (WIC) 
WIC provides supplemental food assistance to low-income people who are pregnant, breastfeeding and postpartum, or an infant or child up to five years old and determined to be at nutrition risk. Visit the WIC PreScreening Tool to determine if you are eligible. For more information, or to apply for assistance, call your local county health department.


Free and Reduced Lunch
If your child attends a Metro School school where he or she must pay for lunch, you can apply for free or reduced priced lunch. The online application is available in several languages.

Pandemic EBT
Pandemic EBT (P-EBT) provides financial assistance to replace school meals that were missed due to COVID-19 related school closures, virtual learning, or hybrid school schedules. To be eligible, students must receive free or reduced-price lunch through the National School Lunch Program (or) attend a Community Eligibility Provision (CEP) school. To learn if your child(ren) qualify, contact their school. More information can be found here.


Health Coverage Assistance

Affordable Care Act
You can enroll in Marketplace health coverage through August 15, 2021 due to the COVID-19 pandemic. If you qualify for a Special Enrollment Period due to a life event like losing other coverage, getting married, moving, or having a baby, or if you qualify for Medicaid or Children's Health Insurance Program (CHIP), you can enroll at any time. Job-based plans may have different Open Enrollment Periods. Check with your employer. 


Increased ACA Premium Subsidies
The American Rescue Plan (ARP) eliminated or vastly reduced premiums for many people with low or moderate incomes who enroll in plans through the Affordable Care Act (ACA) marketplaces. There is now subsidy eligibility for people with somewhat higher incomes who face high premium burdens. Additionally, people who receive UI benefits in 2021 will now have their premium tax credits set at a level that guarantees they get the most generous premium tax credits if they enroll in an ACA marketplace plan, regardless of their year-end income. Kaiser Family Foundation has created a Marketplace Subsidy Calculator tool.


Enhanced Premium Tax Credits
For people enrolled, especially those whose income fluctuated last year, will not have to repay the federal government for large portions of their premium tax credits. Previously, enrollees were supposed pay back some or all of the credit they get in advance if their year-end income is higher than they estimated. The American Rescue Plan (ARP) eliminated these repayments for low- and moderate-income households if their 2020 income ended up higher than they predicted when they signed up for marketplace coverage. This could have happened if you got a better job part-way through the year or worked an essential job that demanded more hours than they anticipated because of the pandemic.


If you lost job-based coverage but would like to keep it:
You can keep your coverage for as long as 18 months under COBRA. However, you can only keep it if you’re willing to pay as much as the total amount of your premium — both what you normally pay and what your employer contributed. Contact your employer if you are interested. Apply for COBRA here.


You recently lost your job and need health coverage, but your income is close to zero:
You may be able to qualify for TennCare, Tennessee’s Medicaid program if you are uninsured, pregnant, a child under age 19, a parent or relative caretaker of a dependent child(ren) under age 21, disabled, elderly, and/or meet the financial eligibility criteria. Your child may qualify for coverage even if you don’t. You should go directly to TennCare Connect or Benefits.gov to check your Medicaid eligibility.


Do you need help applying for TennCare? There are four ways that you can get help:

  • Call TennCare Connect at (855) 259-0701 to get help over the phoneYou can get help from private groups. Find someone near you. You can also call (866) 475-7879 or the Marketplace at (800) 318-2596 to apply directly over the phone.

  • If you have a disability, call your local Area Agency on Aging and Disability (AAAD) at (866) 836-6678.

  • Go-to website for Tennessee disability resources: Tennessee Disability Pathfinder COVID-19 page.

  • Tennessee Disability Pathfinder is also prepared to take calls for disability-related questions, including through their multi-cultural program: (800) 640-4636.
     

Assistance for Specific Industries
Some industries have funding available for specific jobs like bartenders (also here), filmmakers, licensed beauty professionals, musicians (also here) and restaurant workers.  
 

Assistance for Federal Student Loan Holders
Federally-held student loan payments have been suspended through January 31, 2022. This is expected to be the final extension.
 

Economic Impact Payments/Stimulus Checks

The American Rescue Plan included Economic Impact Payments of up to $1,400 for individuals or $2,800 for married couples, including $1,400 for each dependent. 

Generally, U.S. citizens and U.S. resident alien are eligible for the full amount if their tax return does not exceed:

  • $75,000 for single filers and married people who file separate tax returns
  • $112,500 for those filing as head of household
  • $150,000 for married people who file a joint return

For those who make more than the thresholds above, payments will be reduced up to:

  • $80,000 for single filers and married people who file separate tax returns
  • $120,000 for those filing as head of household
  • $160,000 for married people who file a joint return


More Information about Economic Impact Payments English  Spanish 

Check the Status of your Payment English Spanish

First and Second Economic Impact Payments
If you did not receive your first and/or second Economic Impact Payments, you may be eligible to claim a 2020 Recovery Rebate Credit.

Duplicative Payments English Spanish
 

Tax Credits

The American Rescue Plan included changes to several tax credits, including the Earned Income Tax Credit (EITC), the Child Tax Credit, and the Child and Dependent Care Tax Credit. To learn more about these tax credits, including who is eligible, click on the applicable link. Families who are eligible for the Child Tax Credit will receive monthly payments from July - December of up to $300 for children under the age of 6 and up to $250 for children between the ages of 6-17 and will receive additional tax credit when they file their 2021 taxes. More information can be found here.
 

Unemployment Assistance

Tennessee Unemployment Compensation (TUC) pays up to $275/week for 26 weeks to eligible Tennesseans. To qualify you must meet basic eligibility requirements including certifying that you lost your job through no fault of your own and that you are available to return to work or accept suitable employment if offered. If you fail to return to work or accept suitable work when offered, you may no longer be eligible for benefits. In most cases work searches are required to retain Unemployment Insurance (UI). FAQ can be found here.

Apply for Unemployment Insurance here. There are significant backlogs due to the demand for this assistance.

If you have questions about your claim, submit a form on the TN Department of Labor and Workforce Development's website, live chat with customer support (Scroll to the bottom and a blue Help button will pop up. Click on it and there is a Live Chat option), email lwd.support@tn.gov or call (844) 224-5818. 

The following COVID-19 unemployment programs ended in Tennessee on July 3, 2021. 

  • Pandemic Emergency Unemployment Compensation (PEUC) - provided additional weekly benefits
  • Pandemic Unemployment Assistance (PUA) - provided unemployment benefits to people who are self-employed, independent contractors, gig economy workers and part time workers who are typically not eligible for unemployment insurance
  • Federal Pandemic Unemployment Compensation (FPUC) - provided an additional $300 weekly benefit
     

Small Business Assistance

Small Business Administration
The Small Business Administration guide includes a list of SBA-approved lenders, Women’s Business Centers, and Veterans Business Outreach Centers, and can be found here. For more information about all small business resources, please click here. You can always contact the U.S. Small Business Administration in Nashville at (615) 736-5881.


Approved SBA lenders in Middle Tennessee

Cheatham County
Heritage Bank
Sam Bancroft
(615) 792-8005
bankwithheritage.com 

Pinnacle Bank
Larry Roberts
(615) 743-8330
pnfp.com

US Bank
Marianne Isbell
(615) 792-5185
usbank.com

Davidson County
Bank of America
Derek Grayson
(404) 607-4351
bankofamerica.com

Bank of Tennessee
Tim Mann
(615) 321-9242
bankoftennessee.com

Branch Banking and Trust Co.
Laurie Sullivan
(615) 460-7739
bbt.com

CapStar Bank
Tom Stewart
(615) 732-7386
capstarbank.com

Citizens Savings Bank and Trust Co.
Clint Story
(615) 327-0016
bankcbn.com

Enbright Credit Union
Ken DuBray
(615) 687-4801
escu.com

First Citizens Bank
Ellyn Jansen
(615) 744-4811
firstcitizens.com

First Farmers & Merchants Bank
Berry Brooks
(615) 279-5214
myfirstfarmers.com

Fifth Third Bank
Christy Lane
(615) 687-3115
53.com

First Advantage Bank
(615) 690-7292
firstadvantagebanking.com

First Tennessee Bank
Thomas King
(615) 327-1870
firsttennessee.com

Legends Bank
Naaman Stillwell
(615) 372-1760
legendsbank.com

Mid-Cumberland Area Development Corp.
Gwen Schaefer
(615) 862-8831
Madc.us

Pathway Lending
Pam Theis
(615) 425-7171
pathwaylending.org

Pinnacle Bank
Lane Rhodes
(615) 969-2848
pnfp.com

Republic Bank
John Bennett
(615) 690-9590
republicbank.com

Regions Bank
Courtney Crants
(615) 748-8423
regions.com

Renasant Bank
Jim Gardner
(615) 340-3000
renasantbank.com

Simmons Bank
Eli Blattner
(865) 291-1931
simmonsbank.com

SunTrust Bank
(615) 748-5105
suntrust.com

Synovus
Blair Smyly
(615) 271-2041
synovus.com

US Bank
Tyler Ryan
(615) 386-2220
usbank.com

Wells Fargo Bank
Brandon Butler
(615) 661-4836
wellsfargo.com

Dickson County
Regions Bank
Joyce Norman
(800) 734-4667
regions.com

US Bank
Micah McAllister
(615) 740-1800
usbank.com

Pinnacle Bank
Lorrie Pruett
(615) 740-8240
Pnfp.com

First Farmers & Merchants Bank
Debra Duke
(615) 797-3153
myfirstfarmers.com
 

Paycheck Protection Program
The Paycheck Protection Program (PPP) is a forgivable loan to help small businesses keep their workers on payroll. More information about the program can be found here

The PPP program ended on May 31, 2021.


Economic Injury Disaster Loans (EIDL)
SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance. EIDLs may be used to pay fixed debts, payroll, accounts payable, and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. The interest rate for non-profits is 2.75%. Apply here.


Shuttered Venues Operators Grant (SVOG)
Live venue operators or promoters, theatrical producers, live performing arts organization operators, museum operators, motion picture theatre operators, and talent representatives who were in operation as of February 29, 2020 may apply. More information and how to apply can be found here.


Restaurant Revitalization Fund
This program provides funding for pandemic-related revenue loss up to $10 million/business (not more than $5  million/physical location). Recipients are not required to repay the funding as long as funds are used for eligible expenses. More information about eligibility requirements can be found here.

This program is now closed.


Express Bridge Loan Pilot Program
SBA Express Bridge Loans allow small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 in loans quickly. These loans can help businesses overcome the temporary loss of revenue and can be used to bridge the gap while applying for a direct SBA EIDL. If a small business has an urgent need for cash while waiting for a decision and disbursement of an EIDL, they may qualify for an SBA Express Disaster Bridge Loan. It will be repaid in full or in part by proceeds from the EIDL. For more information on eligibility requirements and how to apply, click here.


SBA Debt Relief
For all current SBA 7(a), 504, and Microloans, the SBA will pay 6 months of principal, interest, and any associated fees that borrowers owe in regular servicing status, as well as new 7(a), 504, and Microloans disbursed prior to September 27, 2020. This relief is not available for PPP loans or EIDL. Borrowers do not need to apply for this assistance. It is automatically provided under certain circumstances. For more information on eligibility requirements, please click here.


Payroll Tax Delay
Companies may defer the 6.2% Social Security tax on all wages up to $137,700 for the rest of the year, though they will have to pay it back in equal installments in 2021 and 2022. Deferral is not provided to employers that avail themselves of SBA 7(a) loans designated for payroll.


Additional Small Business Resources

There are several local resource centers that can help provide counseling, training, and guidance, to small businesses.

A list of those can be found here:

Nashville SCORE
(615) 736-7621
(844) 726-7322
info@scorenashville.org
nashville.score.org

Pathway Women’s Business Center Pathway WBC
Director Courenty Rogers
(615) 425-7171
info@pathwaywbc.org
pathwaywbc.org

Veterans Business Resource Center
Director Reggie Ordonez
(615) 425-7171
reggie.ordonez@pathwaylending.org
pathwaylending.org/vboc

Nashville SBDC
Tennessee State University
Director John Ordung: joRoadung@tsbdc.org
Small Business Specialist Greg Jones: gjones@tsbdc.org
Small Business Specialist Thomas Tate: ttate@tsbdc.org
(615) 963-7179
(615) 963-7158
Fax (615) 963-7160

IRS Tax Assistance Center:
(615) 250-5640
 

Assistance for Small and Mid-Sized Businesses

The Federal Reserve has unveiled details for its Main Street New Loan Facility. Loans are available to companies with up to 10,000 workers or with revenues of less than $2.5 billion. Loans ranging from $1 million to $25 million and are available for four-year terms. Principal and interest payments will be deferred for one year. Businesses seeking Main Street loans must commit to making reasonable efforts to maintain payroll and retain workers. Borrowers must also follow compensation, stock repurchase, and dividend restrictions that apply to direct loan programs under the CARES Act. Businesses that have taken advantage of the PPP may also take out Main Street loans. Read more about the Main Street New Loan Facility here.
 

Family & Sick Leave Assistance

Nearly every American is feeling the pain of lost income, and many do not have paid family leave or paid sick leave with their jobs. New federal laws address this problem for many workers.

Who is eligible?
Employees at businesses that employ less than 500 people and are affected by the coronavirus pandemic. The Department of Labor issued guidance stating that the paid leave provisions are effective on April 1, 2020, and apply to leave taken between April 1, 2020, and December 31, 2020.

As a business owner, what do I need to provide?
If you are a business owner who employs 50-500 people, you must provide paid family and sick leave to employees.

  • Eligible full-time employees and part-time employees are entitled to 12 weeks of job-protected leave to take care of a family member due to COVID-19 or for their children in the event of a school closure.
     
    • The 12 weeks of job-protected leave include two weeks of unpaid leave, followed by 10 weeks of paid leave. Eligible employees may elect or be required to overlap the initial two weeks of unpaid leave with two weeks of other paid leave they have available. Eligible employees will receive a benefit from their employers that will be no less than two-thirds of the employee’s usual pay.
       
    • Employers will be fully reimbursed by the federal government through a payroll tax credit.
       
  • Eligible full-time and part-time employees are eligible for two weeks of paid sick leave (up to $511 per day) to seek treatment of COVID-19, or two weeks of paid leave (up to $200 per day) to care for a family member or child whose school has closed due to COVID-19.

Employers will be fully reimbursed by the federal government through a payroll tax credit.

If I employ less than 50 people, is my business exempt from providing paid leave?

No, employees at these companies must provide emergency paid sick leave under this bill. Businesses with fewer than 50 employees can only qualify for a narrow exemption if the Department of Labor determines that providing these benefits would jeopardize the viability of the business.

Am I eligible for paid leave if I am self-employed?
Yes. People who are self-employed but work for another employer are eligible for a tax credit of up to two weeks of sick pay at their average pay and 12 weeks of family leave pay at two-thirds their normal rate. The tax credit can be applied against a person’s quarterly estimated income tax payments and it is refundable.

Where can I find more information?
For more information about family and sick leave, please read:

Fact Sheet for Employees

Fact Sheet for Employers

Frequently Asked Questions
 

U.S. Travel Advisories

The U.S. Department of State advises all U.S. citizens to read the country-specific travel advisories and the U.S. Embassy COVID pages for updates on the impact of COVID-19 worldwide. The CDC has extended its No Sail Order for all cruise ships through September.

For more information, click here