What You Need to Know About The Families First Coronavirus Response Act

In response to Covid-19, The Families First Coronavirus Response Act was signed into law on March 18, 2020.  The purpose of the new legislation is to address various issues surrounding the coronavirus such as paid sick leave, coverage for coronavirus testing, unemployment benefits, food assistance, and to provide additional funding to states to combat the economic consequences that have resulted from the current pandemic.  The Act will take effect on April 2, 2020 and will place temporary requirements on employers with fewer than 500 employees.

Employers covered by the new Act will be required to provide employees with two weeks of paid sick leave if the employee is subject to quarantine, is experiencing the symptoms of the coronavirus, provides care for someone who is quarantined as a result of the virus or who have children in schools that have closed.  Employers cannot require that their employees use vacation time prior to taking paid sick leave.  Employers are prohibited from requiring that employees find replacement workers for themselves.

The Act also aims to make coronavirus testing free to the public.  The Act provides that testing for the virus be covered either by insurance or government funded programs.  Even individuals without health insurance will receive free testing.

Grants totaling $1 billion will be provided to the states in 2020 to cover processing and paying unemployment.  The Act will further increase the amount of assistance to states with high unemployment that have already exhausted benefits.

The Act provides almost a billion dollars in food assistance for individuals that may have less access to regular meals and food security.  Nearly half of that amount will go toward additional funding for the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC).  The Act also expands which individuals qualify for the Supplemental Nutrition Assistance Program and suspends the Program’s current work requirement.

Full article by U.S. Department of Labor


Hope Arrives in a Big Way

Hope arrived this morning in New York Harbor and goes by the name, USNS Comfort.  Comfort is staffed with sailors, marines and civilian mariners who will serve the people of New York City as it responds to Covid-19.

Capt. Patrick Amersbach, commanding officer of the MTF aboard Comfort said “The gravity of the mission is understood by every person who comes aboard the ship. We understand that our nation, specifically the people of New York, have requested our assistance and we are ready to respond. I’m so proud of our crew during this challenging time as they leave their families and loved ones at home to respond to this national emergency to care for our fellow Americans.”

Join us in pausing for a moment to thank the heroes, seen and unseen, who are choosing to help. Whether it be serving on a naval ship or putting a heart in your window, helpers make a difference.

USNS Comfort Underway to Support City Of New York

Evaluating Your Company’s Cybersecurity Risks During Covid-19

With the current pandemic in regards to novel coronavirus (Covid-19), companies need to evaluate and assess their current risks and what they can do to manage those risks. The Cybersecurity and Infrastructure Security Agency (division of Department of Homeland Security) has provided recommendations on actions that organizations should be taking to better prepare, thereby reducing the impact and risk exposure the entity has to Covid-19.  


Hacking, Cybercrime, Cybersecurity, Electronic World

Working From Home? Don’t Click That!

With the increase in employees working from home on remote devices because of the Coronavirus Covid-19, this has in-turn caused an increase in attempts by hackers to capitalize on user vulnerability. Organizations should take proactive steps to secure their information technology infrastructure and reduce their risk exposure to these cyber-terrorists.




Help Us Locate A Missing Child in London, Bring Mayur Home

Mayur Patel is a 2-year old boy that has been kidnapped. He has been missing since April 2019 and is believed to be with Dimple Patel in or near the city of London in Great Britain.

Learn more or share info to help bring Mayur home at:

View More Details / Visit Full Website

Please share the website above or the video below via your social media channels to help spread the word.



Be Aware of Potential Scams

If you receive calls, emails, or other communications claiming to be from the Treasury Department and offering COVID-19 related grants or stimulus payments in exchange for personal financial information, or an advance fee, tax, or charge of any kind, including the purchase of gift cards, please do not respond.  These are scams.

Please contact the FBI at www.ic3.gov so that the scammers can be tracked and stopped.

Road Sign, Attention, Note, Scam, Bauernfängerei

Federal Tax Extension

Income Tax, Calculator, Accounting, Financial

In light of Covid-19, the Federal Government recently announced that it would grant tax payers a 90 day extension for making tax payments owed to the Government.  The Federal government has now announced that it will also grant a 90 day extension for the filing of federal taxes. The filing deadline that would have normally been April 15, 2020, has been postponed to July 15, 2020.  Taxpayers and certain businesses will have additional time to file without penalty.

The purpose of the filing deadline extension is to combat the financial burden that the recent coronavirus pandemic has had on individuals and the economy at large.  The deadline extension allows individuals and businesses to keep their money longer due to losses in income and revenue caused by the coronavirus pandemic. 

The 90 day extension to file taxes only applies to federal taxes.  The newly announced deadline does not apply to State tax filing deadlines unless your individual state has opted to follow the federal 90 day extension.  The Treasury Secretary further indicated that individuals that anticipate a tax refund may still file for their refund now.

If you have any questions regarding the application of this new law and how it may affect you or your business, please call 309-662-5084.   

Help for Your Business

Business, Computer, Mobile, Smartphone, Iphone

SBA Disaster Loan

This loan offers up to $2 million in assistance at an interest rate of 3.75% for those businesses without credit available elsewhere.



Contact your Current Lender

Your current lender will be in the best position to assist with short term needs.  Improving cash flow and access to capital are some of the most important measures any business can be making as they prepare for the road ahead.

While the financial position and capital needs of every business is different, the following are a few strategies worth exploring that are some of the more likely forms of relief available.

  • Suspend Principled Payments on Term Loan
  • Re-Advance on Commercial Mortgages
  • Mind your Accounts Receivable


Article by David Lynam, Illinois Lawyer Now a publication of Illinois State Bar Association


It is on Everyone’s To-Do List…Is Yours Done?

We all know drafting a Will is a good thing to do, deciding ahead of time the details of our estate. While each situation is unique, the assistance of an attorney can save time and money in ensuring your estate will be distributed in the manner you wish and not caught up in red tape.  

Join us, in the days ahead, to move this “to-do” to the top of the list. 


Umbrella, Parasol, Screen, Protection, Shade Tree



Governor Pritzker Issues Executive Order in Response to COVID-19

On Friday March 20th J.B. Pritzker, Governor of Illinois issued an EXECUTIVE ORDER IN RESPONSE TO COVID-19 for the preservation of public health and safety throughout the entire State of Illinois, and to ensure that our healthcare delivery system is capable of serving those who are sick. This order is effective March 21, 2020 at 5:00 pm through April 7, 2020.

Read full order here