Learn to yumlle for unemployment beneyumlts access health care obtain labor union resources and much more

To receive this information or by phone please at wwwdegysfocomcareers or call (650) 821-5242

Business and Career Center

| 1

Table of Contents Introduction Pag

Page

Employment Development Department (EDD) Page

How to apply for unemployment insurance Page 1

EDD Fact Sheet Page

Healthcare Resources Page

Covered California Page

Healthy San Francisco Page

Labor Unions Page

An AFL-CIO Survival Guide to Unemployment Page

NOVA Job Center in San Mateo Page

Bay Area Workforce Development System

Census 2020

Questions and Comments

Introduction The information in this packet is for SFO employees who have recently been laid o furloughed or had their hours reduced as a result of COVID-19 It contains information about unemployment and disability beneyumlts health insurance options available airport jobs and more yumlnancial relief and supportive services available in our local communities

You can use this packet on your own or you can attend one of SFOrsquos ldquo for Workersrdquo sessions online or by phone and use this packet as a guide during the session where the Airport the EDD labor leaders and the NOVA Job Center will go over these resources in detail and answer any questions you may have To sign-up for one of these sessions please visit wwwflysfocomcareers or call 650-821-5242 and say you want to sign up for the next

We wish you the best as we continue to move through these challenging times together and we encourage you to reach out to us with questions

Introduction The information in this packet is for SFO employees who have recently been laid o furloughed or had their hours reduced as a result of COVID-19 It contains information about unemployment and disability beneyumlts health insurance options available airport jobs and more yumlnancial relief and supportive services available in our local communities

You can use this packet on your own or you can attend one of SFOrsquos ldquo for Workersrdquo sessions online or by phone and use this packet as a guide during the session where the Airport the EDD labor leaders and the NOVA Job Center will go over these resources in detail and answer any questions you may have To sign-up for one of these sessions please visit wwwflysfocomcareers or call 650-821-5242 and say you want to sign up for the next

We wish you the best as we continue to move through these challenging times together and we encourage you to reach out to us with questions

Resources for Workers Impacted by COVID-19 SFOrsquos Business and Career Center (BCC) can help current and former SFO employees navigate all of the resources and benefits they may be entitled to as a result of COVID-19 Workers should also consult with their individual employers andor Unions about their sick leave policies and procedures and other resources that might be available

Contact SFOrsquos Business amp Career Center for help 7 days a week SFOrsquos BCC team is available for one-on-one assistance

Call or text 650-821-5242 e-mail communityflysfocom

Attend a Benefits Assistance Session for SFO employees impacted by COVID-19 These 30-minute sessions can be accessed online or by phone and will give you information about

unemployment benefits healthcare and other community resources

To sign-up for a Benefits Assistance Session and to view open airport jobs visit wwwflysfocomcareers

References and hyperlinks to website addresses are for your information and convenience The San Francisco International Airport is not responsible for the content or security of those internet locations

Employment Development Department (EDD) Unemployment and Other Benefits All EDD applications can be found at httpseddcagovabout_eddcoronavirus-2019htm

You can also file unemployment by phone by calling 1-800-300-5616 or 650-688-6335

Sick or Quarantined

If yoursquore unable to work due to having or being exposed to COVID-19 you can file a Disability Insurance (DI) claim DI provides short-term benefit payments to eligible workers who have a full or partial loss of wages due to a non-work-related illness injury or pregnancy

Caregiving

If yoursquore unable to work because you are caring for an ill or quarantined family member with COVID-19 (certified by a medical professional) you can file a Paid Family Leave (PFL) claim PFL provides up to six weeks of benefit payments to eligible workers who have a full or partial loss of wages because they need time off work to care for a seriously ill family member

Reduced Work Hours

If your employer has reduced your hours or shut down operations due to COVID-19 you can file an Unemployment Insurance (UI) claim UI provides partial wage replacement benefit payments to workers who lose their job or have their hours reduced through no fault of their own Workers who are temporarily unemployed due to COVID-19 and expected to return to work with their employer within a few weeks are not required to actively seek work each week

Workersrsquo Compensation

If you are unable to do your usual job because you were exposed to and contracted COVID-19 during the regular course of your work you may be eligible for workersrsquo compensation benefits Benefits include temporary disability (TD) payments which begin when your doctor says you cant do your usual work for more than three days or you are hospitalized overnight

Employees can also use this helpful chart from the Labor and Workforce Development Agency (LWDA) to help determine what benefits they are eligible for httpswwwlaborcagovcoronavirus2019chart

Safety Hotline

Safety Hotline SFO has set-up a hotline for employees to call 247 if they have safety or concerns about their health or working conditions 650-821-5907

Financial Resources

Credit Cards and Debt

Most major credit card and loan companies are offering new solutions to customers impacted by COVID-19 including interest free payment plans waiving late fees reducing interest rates and more Capitol One Wells Fargo CitiBank Chase Bank of America Discover and more are all offering some sort of relief

Please contact your card or loan company for specific details

Mortgages and Rent

Some major banks have agreed to put off collecting mortgage payments for up to 90 days from borrowers who can document theyrsquove been affected by the crisis Please contact your lender to discuss this option

In California many local governments have temporarily ordered the halting of evictions for both renters and homeowners The order does not relieve a tenant from the obligation to pay rent or restrict the landlordrsquos ability to recover rent that is due The protections are in effect through May 31 2020 unless extended Be sure to follow local news radio and official social media profiles for the most up to date information

Taxes and Tax Preparation

The IRS has extended the deadline for tax filing and payments until July 15th 2020 Anyone who is owed a refund should file as soon as possible to get their much- needed refund money More information is available at httpswwwirsgovcoronavirus

All free tax preparation sites have closed but you can still do your taxes online and receive phone or virtual assistance for free at httpsearnitkeepitsaveitorg

Food and Emergency Assistance

You can access free food all over the San Francisco Bay Area by calling 211 or visiting httpwww211orgservicescovid19

Several school districts in the Bay Area have announced school closures in order to curb the spread of COVID-19 For parents and caretakers there is a map of schools where students and their families can grab breakfast and lunch meals here as well as on individual district websites httpswwwkqedorgbayareabites136452where-to- get-free-school-lunch-in-the-bay-area

Bay Area Food Banks bayareahungerorg | (800) 870-3663

Saint Vincent De Paul Society San Mateo svdpsmorg | (650) 343-4403

St Vincent De Paul Society Oakland srcharitiesorg | (650) 403-4300

Catholic Charities of Santa Rosa srcharitiesorg | (707) 542-5426

Catholic Charities Access Point San Francisco catholiccharitiessforg | (415) 430-6320

Compass Family Services compass-sforg | (415) 644-0504

Fremont Family Resource Center (FRC) fremontgovfrc | (510) 574-2000

Utilities Internet and Phone Access

Comcast is currently offering two free months of internet access through their Internet Essentials program httpswwwinternetessentialscomcovid19

ATampT is offering low-cost internet and phone services through their ATampT access program httpsmattcomshopmobileinternetaccessstartedStep

Many phone and internet providers have also announced they are waiving late payment fees increasing internet speed and will not disconnect customers for not paying their bills on time during the COVID-19 crisis Please contact your provider for details

UTILITY SHUT-OFFS

The Public Utility Commission confirmed that local utility companies will not turn off services due to non-payment during the COVID-19 state of emergency The order is retroactive back to March 4 2020

Free Financial Planning and Guidance

Legal Help Free or Low-cost Services

BALANCE Offers free financial guidance and services including financial counseling debt management bankruptcy and student loan counseling homeownership services and more Services can be accessed online and by phone and do not require in-person meetings balanceproorg | (800) 777-7526

Peninsula Family Service Provides people in the Peninsula region with the tools and resources they need to overcome barriers to achieving a life of opportunity financial stability and wellness including financial workshops asset and credit-building tools and alternatives to predatory lenders peninsulafamilyserviceorg | (650) 403-4300

Mission Economic Development Agency With a primary focus on improving credit scores raising income increasing saving and reducing debt MEDArsquos Financial Education amp Coaching Program is based on an individual or familyrsquos long-term financial goals as well as their short-term financial needs Services in Spanish and English medasforg | (415) 282-3334

SF Housing Development Corporation (SFHDC) SFHDCrsquos Financial Empowerment Center is based in the Bayview-Hunters Point neighborhood of Southeast San Francisco Provides free and low-cost financial and housing counseling clients can participate in monthly homeownership rental and credit workshops with follow-up 11 counseling sfhdcorg | (415) 822-1022

Nonprofit legal service providers can help answer questions related to worker rights and benefits (including unemployment) housing debt and more ndash services are available by phone or online

Bay Area Legal Aid Provides low-income clients with free civil legal assistance including legal advice and counsel effective referrals and legal representation The largest civil legal aid provider serving seven Bay Area counties Alameda Contra Costa Marin Napa San Francisco San Mateo and Santa Clara baylegalorg | Call 211

Housing and Economic Rights Advocates (HERA) HERA is a statewide legal service and advocacy organization dedicated to helping Californians ndash particularly those most vulnerable ndash build a safe sound financial future free of discrimination and economic abuses in all aspects of household financial concerns Provides free legal services consumer workshops training for professionals and community organizing heracaorg | (510) 271-8443

Legal Aid at Work Helps to strengthen and enforce workersrsquo rights with free individualized help in person or by phone (including legal clinics information and litigation) for people across California

legalaidatworkorg | (866) 864-8208

Lawyerrsquos Committee for Civil Rights (LCCR) LCCR provides legal assistance and representation in civil matters to low-income individuals people of color immigrants and refugees LCCRrsquos services include immigration and asylum homeless rights legal services for entrepreneurs and other matters of social justice and equality lccrorg | (415) 543-9444

East Bay Community Law Center (EBCLC) EBCLC provides free legal services to eligible East Bay clients Advises and assists on a wide range of legal issues including housing immigration credit and debt student loans clean slate services and more ebclcorg | (510) 548-4040

Each Bay Area County has a human services or social services agency that helps individuals families and communities access services and public benefits designed to meet the unique needs of low-income individuals children and families older adults and adults with disabilities These agencies offer cash assistance food and nutritional support health insurance employment training and child care Specialized supportive care and protective services are available to children and seniors

City and County of San Francisco Human Services Agency sfhsaorg | (415) 557-5000

Public Benefits and Social Alameda County Social Services Agency Services Agencies alamedasocialservicesorg | 211

San Mateo County Human Services hsasmcgovorg | (650) 363-4000

Santa Clara County Social Services Agency sccgovorgsitesssa | (408) 755-7100

Contra Costa County Employment amp Human Services ehsdorg | (877) 505-4630

Marin County Department of Health and Human Services marinhhsorg | (415) 473-3696

COVID-19 Transportation Updates

Many public transportation systems have altered their routes and schedules due to COVID-19 Below is a summary of current system changes that may impact workers and businesses at the airport

The Airport has also developed parking accommodations for any SFO-based employees who are now needing to drive to the Airport for work

To take advantage of this benefit please follow these instructions

Upon entering the Domestic Garage or International Garage AG please pull a parking ticket

Upon exiting simply drive to a cashier booth with your parking ticket and valid SFO badge to receive adiscounted employee parking rate of $7day Coupons are no longer required

SFO is actively looking at other ways to get essential employees to work To help us determine needs please complete the following surveys

FOR WORKERS httpswwwsurveymonkeycomr3MML8TD

FOR EMPLOYERS httpswwwsurveymonkeycomr3NYNHM2

San Francisco Starting Monday March 30 Muni is modifying service in response to COVID-19 shelter-in-place order These Municipal upcoming changes are in addition to the current COVID-19 Reduced Muni Service Frequency schedule data

Transportation will not be accurate but NextMuni predictions will be available

Agency (SFMTA)

Route(s) Affected J Church J Church Bus KT K InglesideT Third Street KT InglesideThird Street Bus L Taraval L Taraval Bus M Ocean View M Ocean View Bus N Judah N Judah Bus 5 Fulton 5R Fulton Rapid 9 San Bruno 9R San Bruno Rapid 28 19th Avenue 28R 19th Avenue Rapid 38 Geary 38R GearyRapid

Muni Rapid routesmdashthe 5R 9R 28R and 38Rmdashwill also be temporarily discontinued except for the14R Mission Rapid Riders can instead use local service for all stops during all hours of service The 5 Fulton and 9 San Bruno will begin running longer buses to help maintain social distancing for the health care providers critical service workers and others who still rely on public transit to get around the city for essential needs All Muni Metro and light rail lines will be replaced by buses Customers can take bus substitutions for the J KT L M and N lines using the same bus stops as the early morning Metro bus service Muni Metro subway stations will be closed except for downtown stations which will remain open to customers taking BART during their operating hours For Metro bus predictions sign up on NextBusfor the JBus KTBus LBus MBus or NBus Operating the following historic service with buses F (Along Embarcadero Only) All Cable Cars Customer Service Center 415-701-2311 or 311 within San Francisco httpswwwsfmtacomtravel-updatescovid-19-muni-reduced-commuter-service-updated

Bay Area Rapid Transit (BART)

Starting March 23 2020 BART will provide service Monday-Friday from 5am-9pm (current service is 5am-midnight) Current weekday train frequency will remain

SFO is offering a free bus service for employees who need to get home past 9pm or need to arriveat SFO early in the morning The current bus schedule is at the bottom of this flyer and will be updated every week Starting March 28 2020 Saturday and Sunday service will be from 8am-9pm (current Saturday service is 6am-midnight and Sunday is 8am-midnight) Current weekend train frequency will remain BART staff is in the process of updating the Trip Planner wwwbartgovplanner to cancel trains after 9pm and before 8am on Saturday httpswwwbartgov

San Mateo SamTrans is operating a regular non-school day schedule on weekdays Weekend service willremain County Transit unchanged During the week routes will not serve stops that are labeled as lsquoSchool Days Onlyrsquo District SamTrans is currently free and is implementing rear-door boarding on buses with multiple doors inits fixed

(SAMTRANS)

route service httpwwwsamtranscom

AC Transit

Effective Tuesday March 31 AC Transit will begin operating a modified service schedule in response to the COVID-19 pandemic Although similar to the existing Sunday service arrival times will differ from it AC Transit is currently free for the remainder of the coronavirus pandemic and is implementing rear- door boarding on buses with multiple doors in its fixed route service Customer Service Center 510-891-4777 Should the need arise modified services can be found httpwwwactransitorg

Caltrain

Caltrain will operate on a reduced schedule that goes into effect beginning March 30 2020 Trains will make all local weekday stops between San Jose and San Francisco every 30-60 minutes depending on time of day For more information about how Caltrain has responded to COVID-19 or for more information about Caltrain schedules and fares call 18006604287 The updated weekday schedule is available at wwwcaltraincom

Capitol Corridor

On Saturday March 21 the Capitol Corridor will implement a temporary reduced train andbus schedule httpswwwcapitolcorridororgblogsget_on_boardcapitol-corridor-novel-coronavirus

County County Connection has implemented trip cancellations until further notice Connection

Customer Service Center (925) 676-7500 or email helpcountyconnectioncom Check the website for service alerts on additional trip cancellations httpscountyconnectioncomcovid-19-information

Tri Delta Tri Delta Transit is running on normal schedule Transit

Effective March 20 Tri Delta Transit customers will be boarding fixed route buses through therear door unless they require the wheelchair ramp Customer Service Center (925) 754-6622 httptrideltatransitcomDefaultaspx

Marin Effective Monday March 23 2020 and for the duration of COVID-19 outbreak Marin Airporterwill Airporter

reduce the frequency of buses between Marin and SFO to once per hour Buses will run on an hourly schedule that can be found on this site httpsmarinairportercomstops-schedulescomplete-schedule

April 4 2020

BART COVID-19 Rail Limited Hours

SFO Shuttle Emergency Bus Service EFFECTIVE ONLY Saturday March 28 - Friday April 10 2020

During the COVID-19 Emergency BART has decided to shut down all rail services after 9pm and open 2 hours later on Saturdays at 8am SFO will provide limited replacement bus service This service has been changed from the preceding week Starting Saturday we will be providing more service (every 30 minutes instead of every 60 minutes) enhanced service inbound to SFO and Saturday morning service However due to very low demand during the yumlrst week we will not be odegering service to North ConcordMartinez and El Cerrito Del Norte moving forward

Buses will not stop at all BART stations see the listing below Please plan your trip accordingly The service is free but you may be asked to show your SFO ID badge tenant employee identiyumlcation or proof of same-day air travel such as a boarding pass or luggage tag Bus will be a large blue 2-door transit bus with ldquoSFO Parking Shuttlerdquo branding

DEPARTING SFO

Buses will depart SFO from Courtyard G From the International Terminal BART entrance take the elevators down to Level 1 and exit out to the courtyard If using the Airtrain exit at International Terminal G and use the elevators towards the front of Blue Line trains or towards rear of Red Line trains down to Level 1 Wait by the ldquoSFO Ferry Shuttlerdquo sign

SATURDAY-ONLY DEPARTURE TIMES 615am 645am 715am and 745am

DAILY LATE NIGHT SERVICE DEPARTURE TIMES 915pm 945pm 1015pm 1045pm 1115pm 1145pm 1215am

DROPPING OFF AT bull Balboa Park BART bull MissionSilver (ExcelsiorGlen Park Area) bull Salesforce Transit Center (Downtown San Francisco ndash 1stMission) bull 19th St Oakland BART (Thomas Berkley WayBroadway)

TRAVELING TO SFO Inbound service to SFO Please be at your stop a few minutes in advance

STOPS AND PICKUP TIME

bull 19th St Oakland BART (Bus Shelter on Thomas Berkley Way at Broadway by Tierra Mia Codegee) 1005pm 1035pm 1105pm 1135pm 1205am 1235am and 105am Saturday Only 605am 635am 705am and 735am

bull Salesforce Transit Center (On Street in front of 181 Fremont St at corner of Howard St) 1020pm 1050pm 1120pm 1150pm 1220am 1250am and 120am Saturday Only 620am 650am 720am and 750am

bull MissionSilver (Bus Stop on SW corner at Mission Silver Market) 1035pm 1105pm 1135pm 1205am 1235am 105am and 135am Saturday Only 635am 605am 735am and 805am

bull Balboa Park BART (Bus Shelter on Geneva Ave Westbound by Main Station Entrance) 1043pm 1113pm 1143pm 1213am 1243am 113am and 143am Saturday Only 643am 713am 743am and 813am

Arrive at SFO Courtyard G (International Terminal) 1058pm 1128pm 1158pm 1228am 1258am 128am and 158am Saturday Only 658am 635am 728am 758am and 828am

Employment Development Department The EDD provides a variety of support services to people who have lost their jobs or have had their hours reduced due to the impacts of COVID-19 in California For faster and more convenient access to those services EDD encourages the use of their online options These resources will provid step by step instructions on how to apply for unemployment insurance online

Employment Development Department San Francisco EDD (415) 749-7503 San Jose EDD (408) 216-6200 eddcagov

BART COVID-19 Rail Limited Hours

SFO Shuttle Emergency Bus Service EFFECTIVE ONLY Saturday March 28 - Friday April 10 2020

During the COVID-19 Emergency BART has decided to shut down all rail services after 9pm and open 2 hours later on Saturdays at 8am SFO will provide limited replacement bus service This service has been changed from the preceding week Starting Saturday we will be providing more service (every 30 minutes instead of every 60 minutes) enhanced service inbound to SFO and Saturday morning service However due to very low demand during the yumlrst week we will not be odegering service to North ConcordMartinez and El Cerrito Del Norte moving forward

Buses will not stop at all BART stations see the listing below Please plan your trip accordingly The service is free but you may be asked to show your SFO ID badge tenant employee identiyumlcation or proof of same-day air travel such as a boarding pass or luggage tag Bus will be a large blue 2-door transit bus with ldquoSFO Parking Shuttlerdquo branding

DEPARTING SFO

Buses will depart SFO from Courtyard G From the International Terminal BART entrance take the elevators down to Level 1 and exit out to the courtyard If using the Airtrain exit at International Terminal G and use the elevators towards the front of Blue Line trains or towards rear of Red Line trains down to Level 1 Wait by the ldquoSFO Ferry Shuttlerdquo sign

SATURDAY-ONLY DEPARTURE TIMES 615am 645am 715am and 745am

DAILY LATE NIGHT SERVICE DEPARTURE TIMES 915pm 945pm 1015pm 1045pm 1115pm 1145pm 1215am

DROPPING OFF AT bull Balboa Park BART bull MissionSilver (ExcelsiorGlen Park Area) bull Salesforce Transit Center (Downtown San Francisco ndash 1stMission) bull 19th St Oakland BART (Thomas Berkley WayBroadway)

TRAVELING TO SFO Inbound service to SFO Please be at your stop a few minutes in advance

STOPS AND PICKUP TIME

bull 19th St Oakland BART (Bus Shelter on Thomas Berkley Way at Broadway by Tierra Mia Codegee) 1005pm 1035pm 1105pm 1135pm 1205am 1235am and 105am Saturday Only 605am 635am 705am and 735am

bull Salesforce Transit Center (On Street in front of 181 Fremont St at corner of Howard St) 1020pm 1050pm 1120pm 1150pm 1220am 1250am and 120am Saturday Only 620am 650am 720am and 750am

bull MissionSilver (Bus Stop on SW corner at Mission Silver Market) 1035pm 1105pm 1135pm 1205am 1235am 105am and 135am Saturday Only 635am 605am 735am and 805am

bull Balboa Park BART (Bus Shelter on Geneva Ave Westbound by Main Station Entrance) 1043pm 1113pm 1143pm 1213am 1243am 113am and 143am Saturday Only 643am 713am 743am and 813am

Arrive at SFO Courtyard G (International Terminal) 1058pm 1128pm 1158pm 1228am 1258am 128am and 158am Saturday Only 658am 635am 728am 758am and 828am

Employment Development Department The EDD provides a variety of support services to people who have lost their jobs or have had their hours reduced due to the impacts of COVID-19 in California For faster and more convenient access to those services EDD encourages the use of their online options These resources will provid step by step instructions on how to apply for unemployment insurance online

Employment Development Department San Francisco EDD (415) 749-7503 San Jose EDD (408) 216-6200 eddcagov

Employment Development Department The EDD provides a variety of support services to people who have lost their jobs or have had their hours reduced due to the impacts of COVID-19 in California For faster and more convenient access to those services EDD encourages the use of their online options These resources will provid step by step instructions on how to apply for unemployment insurance online

Employment Development Department San Francisco EDD (415) 749-7503 San Jose EDD (408) 216-6200 eddcagov

How to Apply for Unemployment Insurance You can yumlle for the EDD by phone by calling 1(800) 300-5616 You can yumlle for EDD beneyumlts online by following these instructions

1) Log on to EDDrsquos website httpseddcagovabout_eddcoronavirus-2019htm Get these documents ready before yumlling online or by phone bull Last employer information including company name supervisorrsquos name address

(mailing and physical location) and phone number bull Last date worked and the reason you are no longer working bull Gross earnings in the last week you worked beginning with Sunday and ending with your last day of work bull Information on all employers you worked for during the past 18 months including

name address (mailing and physical location) the dates of employment gross wages earned hours worked per week hourly rate of pay and the reason you are no longer working

bull Notice to Federal Employees About Unemployment Insurance Standard Form 8 (former federal employees only)

bull DD 214 Member 4 copy (ex-military only) bull Citizenship status and if you are not a US citizen information from your employment

authorization document 2) Click on ldquoFile an Unemployment Claimrdquo click ldquoOnlinerdquo then ldquoUI Onlinerdquo then ldquoBeneyumlts

Program Onlinerdquo and select ldquoregisterrdquo 3) Accept the terms and conditions to continue 4) Provide a personal email address used only by you and create a password 5) Choose a personal image and caption Select and answer four security questions 6) Check your email Select the unique link within 48 hours of receiving the email to

complete the process or yoursquoll need to start over 7) After registering Log in to Beneyumlt Programs Online and select UI Online to get started 8) Select File a Claim 9) Read the UI Claim Filing Instructions Select Next to continue 10) Provide your general information last employer information and employment history 11) Review the information you provided on the Summary Page and then select Submit 12) After submitting your claim a conyumlrmation page will display You may keep your

conyumlrmation number for your records

UNEMPLOYMENT INSURANCE PROGRAM The Unemployment Insurance Program commonly referred to as UI provides weekly unemployment insurance payments for workers who lose their job through no fault of their own Eligibility for benefits requires that the claimant be able to work available for work be seeking work and be willing to accept a suitable job

Background

The UI is a unique federal-state program created by federal law and administered under state and federal laws by state employees It is financed by unemployment program tax contributions from employers

When the UI program was established as a part of the Social Security Act of 1935 it offered for the first time an economic line of defense against the effects of unemployment assisting not only the individual but also the local community

Through a system of payments made directly to unemployed workers UI ensures that at least some of lifes necessities most notably food shelter and clothing can be met while an active search for new work takes place For the most part UI benefits are spent in the claimants local community thereby helping sustain the economic well-being of local businesses

Tax Provisions

The UI program is financed by employers who pay unemployment taxes on up to $7000 in wages paid to each worker The actual tax rate varies for each employer depending in part on the amount of UI benefits paid to former employees Thus the UI tax works much like any other insurance premium An employer may earn a lower tax rate when fewer claims are made on the employers account by former employees

In all states employers contribute to similar federal-state UI programs and the tax rate and other provisions vary from state to state

Part of the employers tax goes directly to the federal government to pay for the administration of the system The greater portion goes into a special UI Trust Fund from which benefit payments are made to the workers who are unemployed

Claimant Benefits

The amount of benefits available is based on the claimants earnings in the base period To qualify for benefits in California a claimant must have (1) earned at least $1300 in the highest quarter of the base period or (2) have earned at least $900 in the highest quarter and earned total base period earnings of at least 125 times the high quarter earnings For example if the claimant has $900 earnings in the highest quarter heshe is also required to have earned a total of $1125 in the base period ($900 x 125 = $1125)

The maximum amount of a regular UI claim is either 26 times the claimants weekly benefit amount or one-half of the claimants base period wages whichever is less

Claimant Eligibility Requirement

Since the laws intent is partly to compensate a worker for loss of wages while unemployed a claimants eligibility for benefits depends on having a substantial attachment to the labor force One of the methods used to measure this attachment is a minimum earnings test

This requirement denies benefits to claimants whose earnings in a 12-month base period are below the minimum noted above on the assumption that low earnings indicate a short or temporary attachment to the labor force The base period is 12 months long but it is important to think of it as 4 quarters of 3 months each The quarter in which the highest wages were received determines the weekly benefit amount

There are two types of base periods that may be used to establish a UI claim the Standard Base Period and the Alternate Base Period The Standard Base Period is the first four of the last five completed calendar quarters prior to the beginning date of the claim Beginning with claims filed effective April 1 2012 and after if an individual does not have sufficient wages in the Standard Base Period to establish a claim the individual may be able to monetarily qualify for a claim using the Alternate Base Period which is the four most recently completed calendar quarters prior to the beginning date of the claim

PO Box 826880 bull Sacramento CA 94280-0001

DE 8714B Rev 25 (7-15) (INTERNET)

Claimant Taxes Federal-State Extended Duration (Fed-ED) Benefits

Unemployment insurance is considered taxable income and must be reported as such on federal income tax forms It is not considered taxable income for California state income tax purposes Each January the Employment Development Department (EDD) provides an annual statement to each individual setting forth total benefits paid during the prior year

Employees Covered by Unemployment Insurance (UI)

Most employment is considered covered employment for UI purposes

The UI statutes originally covered only employees working for employers with eight or more employees In 1946 coverage was extended to cover employees working for employers with one or more employees who pay in excess of $100 in a calendar quarter

Since 1946 additional coverage was added to the statute to include but not limited to employees working for the following types of employers

bull Nonprofit agencies

bull School Districts and other nonprofit elementary secondary and vocational schools

bull State and local governments

bull Agricultural employers

bull Domestic employers who pay $1000 or more in cash wages for domestic services in any calendar quarter in a calendar year

bull Indian Tribes recognized by the Federal Government

Other special coverage includes

bull Federal Employers - Coverage for federal civilian employees Although financed by the federal government each state pays UI benefits according to the laws covering regular workers

bull Federal Military Services - Coverage for individuals separated from military service under honorable conditions and completion of a first full term of active duty service

Federal Extended Benefits Program

During periods of economic downturn Congress may enact special legislation to provide for a Federal Extended Benefits program to assist long term unemployed workers When the Federal Extended Benefits program is available additional UI benefits may be paid to those who qualify and who have collected all of the benefits on their regular UI claims and who do not qualify for any other UI claims The EDD notifies unemployed workers by mail and through the media when Federal Extended Benefits become available

The Federal-State Extended Unemployment Compensation Act of 1970 established the Federal-State Extended Duration benefits program known in California as Fed-ED This program is funded 50 percent from state funds and 50 percent from federal funds

Under Fed-ED claimants who have exhausted their regular UI claim may be eligible to collect up to 13 additional weeks of compensation if a Fed-ED period is in effect Once activated the Fed-ED period must continue in effect for at least 13 weeks When the program is deactivated it must remain inactive for at least 13 weeks

Fed-ED is activated when the states Insured Unemployment Rate (IUR) equals or exceeds 5 percent and is at least 120 percent higher than the average IUR for the same period in the two previous years Fed-ED is also activated when the states IUR is 6 percent or more The IUR is the unemployment rate among that portion of the labor force which is covered by unemployment insurance It is computed on a 13-week moving average

Eligibility for benefits is more stringent under Fed-ED To be eligible a claimant must have earnings during the base period of hisher regular UI claims that exceed 40 times the weekly benefit amount For example if the amount of the regular UI claim was $90 a week then the claimant would need at least $3601 in hisher base period to qualify for a Fed-ED claim

California Extended Duration (Cal-ED) California has its own state-financed extended benefits program The benefits paid under this program are from the state UI fund The actuated mechanism for the Cal-ED program is similar to Fed-ED Under either Cal-ED or Fed-ED an individual receives up to one-half of the regular UI base claim Therefore any claimant who has received the full amount of extended benefits on a Fed-ED claim cannot qualify for a Cal-ED claim based on the same base claim

Fed-ED and Cal-ED Priorities Since the source of funding for the Fed-ED and Cal-ED programs is different the question of which program has precedence over the other becomes important The Fed-ED program is the basic permanent extended benefits program for the nation so that if there is a Fed-ED period in effect Fed-ED becomes the primary source of benefits

For More Information For further information visit EDDrsquos website at wwweddcagov or call EDD at

English 1-800-300-5616 Spanish 1-800-326-8937 Cantonese 1-800-547-3506 Mandarin 1-866-303-0706 Vietnamese 1-800-547-2058 TTY (non-voice) 1-800-815-9387

The EDD is an equal opportunity employerprogram Auxiliary aids and services are available upon request to individuals with disabilities

DE 8714B Rev 25 (7-15) (INTERNET)

Claimant Taxes Federal-State Extended Duration (Fed-ED) Benefits

Unemployment insurance is considered taxable income and must be reported as such on federal income tax forms It is not considered taxable income for California state income tax purposes Each January the Employment Development Department (EDD) provides an annual statement to each individual setting forth total benefits paid during the prior year

Employees Covered by Unemployment Insurance (UI)

Most employment is considered covered employment for UI purposes

The UI statutes originally covered only employees working for employers with eight or more employees In 1946 coverage was extended to cover employees working for employers with one or more employees who pay in excess of $100 in a calendar quarter

Since 1946 additional coverage was added to the statute to include but not limited to employees working for the following types of employers

bull Nonprofit agencies

bull School Districts and other nonprofit elementary secondary and vocational schools

bull State and local governments

bull Agricultural employers

bull Domestic employers who pay $1000 or more in cash wages for domestic services in any calendar quarter in a calendar year

bull Indian Tribes recognized by the Federal Government

Other special coverage includes

bull Federal Employers - Coverage for federal civilian employees Although financed by the federal government each state pays UI benefits according to the laws covering regular workers

bull Federal Military Services - Coverage for individuals separated from military service under honorable conditions and completion of a first full term of active duty service

Federal Extended Benefits Program

During periods of economic downturn Congress may enact special legislation to provide for a Federal Extended Benefits program to assist long term unemployed workers When the Federal Extended Benefits program is available additional UI benefits may be paid to those who qualify and who have collected all of the benefits on their regular UI claims and who do not qualify for any other UI claims The EDD notifies unemployed workers by mail and through the media when Federal Extended Benefits become available

The Federal-State Extended Unemployment Compensation Act of 1970 established the Federal-State Extended Duration benefits program known in California as Fed-ED This program is funded 50 percent from state funds and 50 percent from federal funds

Under Fed-ED claimants who have exhausted their regular UI claim may be eligible to collect up to 13 additional weeks of compensation if a Fed-ED period is in effect Once activated the Fed-ED period must continue in effect for at least 13 weeks When the program is deactivated it must remain inactive for at least 13 weeks

Fed-ED is activated when the states Insured Unemployment Rate (IUR) equals or exceeds 5 percent and is at least 120 percent higher than the average IUR for the same period in the two previous years Fed-ED is also activated when the states IUR is 6 percent or more The IUR is the unemployment rate among that portion of the labor force which is covered by unemployment insurance It is computed on a 13-week moving average

Eligibility for benefits is more stringent under Fed-ED To be eligible a claimant must have earnings during the base period of hisher regular UI claims that exceed 40 times the weekly benefit amount For example if the amount of the regular UI claim was $90 a week then the claimant would need at least $3601 in hisher base period to qualify for a Fed-ED claim

California Extended Duration (Cal-ED) California has its own state-financed extended benefits program The benefits paid under this program are from the state UI fund The actuated mechanism for the Cal-ED program is similar to Fed-ED Under either Cal-ED or Fed-ED an individual receives up to one-half of the regular UI base claim Therefore any claimant who has received the full amount of extended benefits on a Fed-ED claim cannot qualify for a Cal-ED claim based on the same base claim

Fed-ED and Cal-ED Priorities Since the source of funding for the Fed-ED and Cal-ED programs is different the question of which program has precedence over the other becomes important The Fed-ED program is the basic permanent extended benefits program for the nation so that if there is a Fed-ED period in effect Fed-ED becomes the primary source of benefits

For More Information For further information visit EDDrsquos website at wwweddcagov or call EDD at

English 1-800-300-5616 Spanish 1-800-326-8937 Cantonese 1-800-547-3506 Mandarin 1-866-303-0706 Vietnamese 1-800-547-2058 TTY (non-voice) 1-800-815-9387

The EDD is an equal opportunity employerprogram Auxiliary aids and services are available upon request to individuals with disabilities

DE 8714B Rev 25 (7-15) (INTERNET)

Healthcare Resources These are all resources that can help you get or keep access to your healthcare

Covered California healthforcaliforniacom

Health San Francisco healthysanfranciscoorg

Special Enrollment Fact Sheet

Covered California is where you can get quality affordable health coverage You may even get help paying for it

As part of the Affordable Care Act (ACA) Covered California is a program where citizens and lawfully present Californians and their families can compare quality health plans and choose the one that works best for their health needs and budget Covered California is the only place where you can get financial help to pay for your health insurance

Your notes

What is special enrollment Individuals and families that experience a qualifying life event can enroll in a Covered California health insurance plan outside of the annual open enrollment period This is called special enrollment In most cases you have 60 days from the date of the qualifying life event to enroll in a health insurance plan (or change your existing plan) through Covered California If you know ahead of time when you are going to lose your health coverage you will also have an additional 60 days to enroll before that date to prevent any gaps in coverage

Examples of qualifying life events

Lost coverage

Moved

Got married

To find out about other qualifying life events visit CoveredCAcom

To find free expert enrollment help near you visit CoveredCAcomfind-help

19

Is financial help available Yes Covered California is the only place that o˜ers financial help to get health coverage The amount of financial help depends on your household income family size and where you live In general the lower your income the more financial help you may receive Use the chart below to help determine if you qualify

Coverage Year 2020

Maximum Annual Household Income to Qualify for Financial Help

FAMILY SIZE MEDI˜CAL COVERED CALIFORNIA

1 $17237 $74940

2 $23336 $101460

3 $29436 $127980

4 $35535 $154500

5 $41635 $181020

6 $47735 $207540

You may be eligible You may be eligible for for low or no-cost financial help through Medi-Cal Covered California

All numbers listed above are estimates For larger households please visit the Shop and Compare tool

at CoveredCAcom to find out if your family qualifies Medi-Cal enrollment is year-round

When will my coverage begin You will need to plan ahead to avoid gaps in health coverage It helps to know that in general the start date for health coverage depends on the date you enroll If you enroll by the 15th day of the month your coverage will start on the first day of the next month If you enroll after the 15th day of the month your health coverage will start on the first day of the second month

How do I enroll You can enroll online by visiting CoveredCAcom On our website you can also find free expert help from certified enrollment representatives in your area

If you qualify for Medi-Cal you can enroll at anytime To find out if you or someone in your family is eligible you can apply at CoveredCAcom or call your county human services agency

Covered California complies with applicable Federal civil rights laws and does not discriminate on the basis of race color national origin age disability or sex ATENCIOacuteN si habla espantildeol tiene a su disposicioacuten servicios gratuitos de asistencia linguumliacutestica Llame al 18003000213 (TTY 18888894500)

18003001533 TTY 18888894500

For more information and free in-person enrollment help please contact

20 ENG-0220 CoveredCAcom | 8003001506

Healthy San Francisco Updates on COVID-19

The Healthy San Francisco Program remains open and continues to provide necessary health services to you

Medical Home Updates Due to local and state Shelter in Place orders some Healthy San Francisco Medical Homes have adjusted their hours or suspended in person enrollment until April 8 Please call your Medical Home before visiting

Information and program updates will be updated as information becomes available on the Healthy San Francisco website healthysanfranciscoorg

HSF Customer Service Is Available HSF Customer Service is available Monday through Friday 830am to 530pm at 1(415) 615-4555 to help you and answer any questions

Important COVID-19 Updates Effective March 20 Healthy San Francisco has taken the following actions to ensure that HSF participants can continue to access necessary health care services during this time

1 COVID-19 Screening and Testing Healthy San Francisco Medical Homes are waiving Point of Service (POS) fees for COVID 19 screening and testing for Healthy San Francisco participants This waiver applies only if you are being screened and tested through your assigned Medical Home

2 Extra Time to Renew Coverage Healthy San Francisco is giving you 90 extra days to renew if your Healthy San Francisco coverage expires in March April and May For example if your HSF coverage expires March 30 your Healthy San Francisco coverage now wonrsquot expire until June 30 If your coverage terminated in March and you have difficulty accessing services please call HSF Customer Service Monday through Friday 830am to 530pm at 1(415)615-4555

3 Financial Assistance Available If you are unable to pay your quarterly participant fee at this time please contact Healthy San Francisco Customer Service Monday through Friday 830am to 530pm at 1(415) 615-4555 They can help you make arrangements for you to reduce the financial hardship and keep your Healthy San Francisco eligibility

21

SFHP Service Center Temporarily Closed In accordance with the Shelter in Place order from the City and County of San Francisco the San Francisco Health Plan (SFHP) Service Center will be closed until April 8 2020

All scheduled Healthy San Francisco appointments at the SFHP Service Center are currently being rescheduled To make a future appointment or if you have any questions call HSF Customer Service Monday through Friday 830am to 530pm at 1(415) 615-4555

22

Labor Unions The San Francisco and San Mateo Labor Council represent union members and their families that are impacted by COVID-19 Labor and community partners are working together to give union members accurate information and assistance during this time

San Francisco Labor Council s˜aborcouncilorg

San Mateo Labor Council sanmateolaborcouncilcom

Labor Unions The San Francisco and San Mateo Labor Council represent union members and their families that are impacted by COVID-19 Labor and community partners are working together to give union members accurate information and assistance during this time

San Francisco Labor Council s˜aborcouncilorg

San Mateo Labor Council sanmateolaborcouncilcom

Dear Union Members We are in a crisis but we are in this together

Labor and our community partners are working together to give you accurate information and assistance during COVID 19

Take positive action stay informed follow all health and safety guidelines and reduce your stress levels by exercising keeping your distance but keeping in touch with family and friends

It is very important to stay in touch with your local union let them know your status and if you need assistance

Labor Health Resources for Workers in California httpscalaborfedorgcovid-19-outbreak-resources-and-information-for-workers httpssflaborcouncilorgresourcescoronavirus-2019-covid-19-resources-for-workers CDC-httpswwwcdcgovspanish Ca DPH-httpswwwcdphcagovProgramsCIDDCDCPagesImmunizationnCoV2019_Spanishaspx SF DPH-httpswwwsfdphorgdphalertscoronavirusasp SMC DPH httpswwwsmchealthorgcoronavirus

Most workers will be eligible for certain benefits including Unemployment Insurance Paid Family Leave Paid Sick Leave Family Care Leave State Disability Insurance

Go to httpswwwlaborcagovcoronavirus2019chart for useful filing information Filing for unemployment video

httpswwweddcagovUnemploymentUI_Online_Videoshtmplayer EDD -CoV2019 httpswwweddcagovabout_eddcoronavirus-2019-espanolhtm EDD-CoV2019 -FAQ (preguntas frequentes) httpswwweddcagovabout_eddcoronavirus-2019faqs-espanolhtm

Special programs for union members include For industry specific resources and guidance go to aflcioorgcovid-19 Or check with your local union or Central Labor Council When the Paycheck Stops httpaflcioncorgwp-contentuploads202003paycheckBookletNEW_32020pdf

Call 211 public call center provides all non-emergency non-medical information and referral operated by United Way Bay Area

Bay Area Food Banks emergency food free school meals during shut down httpswwwshfborgget-food or 1-800-984-3663

Health Insurance Covered California httpswwwcoveredcacomcovid19 httpscalmattersorgcalifornia-divide202003covered-california-extends-enrollment-deadline-health-coverage

Call 211 for low income energy assistance programs PGampE has implemented a moratorium on service disconnections for non-payment for all customers and it will remain in effect until further notice PGampE

25will also offer flexible pay plans Check with your other utility providers

Low-cost home Internet service Several Internet service providers are offering low-cost Internet service for low income households or households with students or seniors Some of these programs are based on pre-existing programs to offer Internet service for low rates typically around $10 a month Please check each companyrsquos website for additional eligibility requirements and details on the application process

ATampT Access

Summary $10 a month for home Internet service for eligible low income subscribers Eligibility Households that receive SNAP or SSI benefits Link attcomaccess

Comcast Internet Essentials Summary $995 a month for home Internet service for eligible low income subscribers

New customers will receive 60 days of free service after the free period service will be billed at the usual Internet Essentials rate

Sonic

Eligibility Households that are eligible for public assistance programs like the National School Lunch Program housing assistance Medicaid SNAP SSI Link httpswwwInternetessentialscom

Summary 3 months of free Internet access and unlimited nationwide home telephone service for eligible new customers with students or seniors in the household After the free period service will be billed at standard rates Households may cancel at any time Eligibility households with K-12 college students or senior citizens 60 or older Link httpswwwsoniccomcov19

Free home Internet service at affordable housing sites

The City and local Internet service provider Monkeybrains have partnered to provide free high-quality Internet service at dozens of affordable housing sites through the Fiber to Housing program

Both the IRS and the California Franchise Tax Board have extended tax filing date to July 15 2020

Managing Stress and Anxietyhttpswwwcdcgovcoronavirus2019-ncovpreparemanaging-stress-anxietyhtml

California State Law allows parents to take additional time off from work to deal with school closures This means it is illegal for an employer to fire or retaliate against a parent for taking that time off

Learn at Home Free Resources for School Closures httpswwwscholasticcomparentsschool-successhome-learning-resourceshtml httpswwwkhanacademyorgmathk-8-grades

COMPLETE THE CENSUS ndash NOW MORE THAN EVER AN ACCURATE COUNT IS NEEDED TO MAKE SURE NEEDED SERVICES ARE AVAILABLE IN OUR COMMUNITIES

For more information tomsflaborcouncilorg For more information communityservicessmcgmailcom opeiu29afl-ciocurrent as of March 25 2020

26

WHEN THE PAYCHECK STOPS An AFL-CIO Survival Guide

to Unemployment

27

SURVIVING UNEMPLOYMENT HOW TO SURVIVE COVID19 CDC GUIDELINES Wash your hands often with soap and water for at least 20 seconds If soap and water are not readily available use a hand sanitizer that contains at least 60 alcohol Cover all surfaces of your hands and rub them together until they feel dry Avoid touching your eyes nose and mouth with unwashed hands

Avoid close contact with people who are sick Put distance between yourself and other people if COVID-19 is spreading in your community This is especially important for people who are at higher risk of getting very sick Cover coughs and sneezes Cover your mouth and nose with a tissue when you cough or sneeze or use the inside of your elbow Throw used tissues in the trash and immediately wash your hands with soap and water for at least 20 seconds or use hand sanitizer Visit aflcioorgcovid-19 for more information

TALK TO YOUR FAMILY Unemployment is tough on the whole family Your spouse and children may feel helpless Talk out your problems together and plan together Explain your situation and include them in planning to deal with it together

It helps to give each member of the family some positive steps they can do By sharing the burden and pulling together members of a family grow closer and draw strength from one another A professional family counselor may be helpful

TURN TO YOUR UNION FOR HELP Your union can help you when times are hard Your union representative can let you know what member-only benefits you may be eligible for or help identify public benefits that may be available to you and advise you on how to keep your health insurance in the event of a layoff Your AFL-CIO central labor council has information about available community services A number of central labor councils around the country work closely with AFL-CIOUnited Way Labor Liaisons and community services agencies who can help connect you to resources in your community Visit httpgoaflcioorgunitedway for more information

Ramon Becerra Kristie Small Assistant to the President AFL-CIO Director AFL-CIO United Way Worldwide Partnership

312-330-2040 (mobile) 202-215-7341 (mobile) rbecerraaflcioorg ksmallaflcioorg

GET THE HELP YOU NEED While you were working you helped pay for public programs through your taxes and for community agency services through contributions to your local United Way and other organizations So make your money work for you when you need it We all need a little help at some time in our livesmdashdonrsquot be embarrassed to ask for the help you need

ONLINE RESOURCES FOR HELP Visit this comprehensive website with links for finding state unemployment offices assistance with job searches information about job training programs and more bull wwwcareeronestoporg

Information about unemployment insurance and sources of other governmental assistance programs can be found here bull wwwusagovunemployment bull wwwusagovbenefits bull wwwbenefitsgov

United Way a national partner of the AFL-CIO supports 2-1-1 a national help line that helps individuals identify assistance and support they may be eligible to receive in their community Call 2-1-1 from any phone or visit www211org bull AFL-CIOUnited Way Labor Liaisons and community services agencies are

knowledgeable about the resources available to families facing financial hardship Visit httpgoaflcioorgunitedway for more information

UnionPlus a partner of the AFL-CIO is a consumer benefits program for union members and offers specific programs to assist members in times of financial hardship Visit these websites for additional information bull wwwunionplusorg and click on link for ldquoHardship Helprdquo on webpage bull wwwunionplusorghardship-helpcredit-counseling to access Money

Management International which works with UnionPlus to provide budgeting and credit counseling assistance to union members

Websites for career exploration bull wwwmyskillsmyfutureorg bull wwwmynextmoveorg

SURVIVING UNEMPLOYMENT HOW TO SURVIVE COVID19 CDC GUIDELINES Wash your hands often with soap and water for at least 20 seconds If soap and water are not readily available use a hand sanitizer that contains at least 60 alcohol Cover all surfaces of your hands and rub them together until they feel dry Avoid touching your eyes nose and mouth with unwashed hands

Avoid close contact with people who are sick Put distance between yourself and other people if COVID-19 is spreading in your community This is especially important for people who are at higher risk of getting very sick Cover coughs and sneezes Cover your mouth and nose with a tissue when you cough or sneeze or use the inside of your elbow Throw used tissues in the trash and immediately wash your hands with soap and water for at least 20 seconds or use hand sanitizer Visit aflcioorgcovid-19 for more information

TALK TO YOUR FAMILY Unemployment is tough on the whole family Your spouse and children may feel helpless Talk out your problems together and plan together Explain your situation and include them in planning to deal with it together

It helps to give each member of the family some positive steps they can do By sharing the burden and pulling together members of a family grow closer and draw strength from one another A professional family counselor may be helpful

TURN TO YOUR UNION FOR HELP Your union can help you when times are hard Your union representative can let you know what member-only benefits you may be eligible for or help identify public benefits that may be available to you and advise you on how to keep your health insurance in the event of a layoff Your AFL-CIO central labor council has information about available community services A number of central labor councils around the country work closely with AFL-CIOUnited Way Labor Liaisons and community services agencies who can help connect you to resources in your community Visit httpgoaflcioorgunitedway for more information

Ramon Becerra Kristie Small Assistant to the President AFL-CIO Director AFL-CIO United Way Worldwide Partnership

312-330-2040 (mobile) 202-215-7341 (mobile) rbecerraaflcioorg ksmallaflcioorg

GET THE HELP YOU NEED While you were working you helped pay for public programs through your taxes and for community agency services through contributions to your local United Way and other organizations So make your money work for you when you need it We all need a little help at some time in our livesmdashdonrsquot be embarrassed to ask for the help you need

ONLINE RESOURCES FOR HELP Visit this comprehensive website with links for finding state unemployment offices assistance with job searches information about job training programs and more bull wwwcareeronestoporg

Information about unemployment insurance and sources of other governmental assistance programs can be found here bull wwwusagovunemployment bull wwwusagovbenefits bull wwwbenefitsgov

United Way a national partner of the AFL-CIO supports 2-1-1 a national help line that helps individuals identify assistance and support they may be eligible to receive in their community Call 2-1-1 from any phone or visit www211org bull AFL-CIOUnited Way Labor Liaisons and community services agencies are

knowledgeable about the resources available to families facing financial hardship Visit httpgoaflcioorgunitedway for more information

UnionPlus a partner of the AFL-CIO is a consumer benefits program for union members and offers specific programs to assist members in times of financial hardship Visit these websites for additional information bull wwwunionplusorg and click on link for ldquoHardship Helprdquo on webpage bull wwwunionplusorghardship-helpcredit-counseling to access Money

Management International which works with UnionPlus to provide budgeting and credit counseling assistance to union members

Websites for career exploration bull wwwmyskillsmyfutureorg bull wwwmynextmoveorg

TAKING CHARGE OF PERSONAL FINANCES

Determine Your Eligibility for Unemployment Benefits 1

People who lose their job through no fault of their own and have worked a certain number of hours may be eligible to receive unemployment eligibility requirements differ by state Visit wwwcareeronestoporgLocalHelpUnemploymentBenefits unemployment-benefitsaspx to look up eligibility requirements in your state While unemployment benefits will be significantly less than what your salary was they still will help you get by until you land your next job

Prepare a Complete Household Budget2

Getting control of your personal finances is important to survive unemployment Use a household budget worksheet available at httpgoaflcioorgbudget to see where you spend your money and where you can save If appropriate include your family in developing your budget

Your budgeted expenses should include bull Fixed expenses (mortgage rent taxes insurance loan installment payments

child support and other fixed monthly payments) bull Variable monthly expenses (food gas repairs utilities health care expenses

recreation and child care) bull Future expenses (income or property tax and other outstanding debts)

Your budgeted income should include bull Income bull Savings bull Severance pay bull Unemployment compensation bull Accrued vacation pay

List Assets3

Other assets may include bull Cash value of insurance policies bull Prepaid burial or funeral policies bull Equity in your home (the difference between the value of your home and the

amount you owe on your home) bull Resale value of vehicles boat RV etc

Set Priorities for Your Expenses 4

List payments in order of importance This will help you pay first things first when money is short

The most important thing will be your mortgage or rent payment followed by utilities health insurance and car payments Child support or alimony payments (if any) are also a high priority

Make a Complete List of Creditors 5

List the following information for each creditor bull Companyorganization name physical and email address and phone number

of a contact person bull Account number bull Total amount owed bull Payment schedule and interest rates

Notify Your Creditors Before You Get Behind 6

Determine how much you can pay regularly on each bill If you need to negotiate a lower monthly payment than your creditors expect determine the amount you can pay and contact them before you get behind to make arrangements for the new payment amount

Creditors usually are easier to work with when you let them know about your situation before a severe problem arises

Contact creditors in writing bull Tell them you need to work out a plan for delaying

reducing or refinancing payments until you return to work bull Always include your account number phone number

and address in all correspondence bull Keep copies of your letters and follow up by phone bull When you make your follow-up phone call record

the date time and with whom you spoke

29

Pay What You Can 7

Even if you canrsquot pay the amount creditors want pay something regularly This keeps your overdue balance as low as possible and lets creditors know you are making a good faith effort Partial payment may keep your account from being turned over to a collection agency

Stay in Touch with Creditors 8

After your first letter keep in regular contact with your creditors This reassures them shows a responsible attitude and may keep them from harassing you Make sure you donrsquot ignore mail from creditors that may contain important information about your account

Call a Credit Counseling Agency9

Nonprofit credit counseling organizations can help you create a revised household budget identify potential areas to reduce expenses and sources of additional income provide advice on how to work with creditors and more Visit unionplusorg for information on credit counseling

Stop Credit Purchases 10

Stop using all of your credit cards interest on most credit purchases is extremely high If you have advance warning that yoursquoll be out of work try to make larger payments to reduce the balance you owe

Reduce Household Expenses 11

bull Adjust your buying habitsmdashonly shop when you need to make a list and compare prices and brands

bull Use coupons bull Identify food pantries and other sources of free or lower-cost food bull Reduce cell phone plan costs and internet and cable bills bull Reduce utility costs by bull Turning off lights TV and appliances when not in use bull Lowering the thermostat on your hot water heater and furnace or turning up

your air conditioner bull Washing and drying only full loads of clothes or dishes bull Calling utility companies to ask about hardship assistance

bull Eliminate unnecessary car trips bull Consider getting a housematetenant to share household expenses

Sell What You Donrsquot Need 12

bull Consider selling an extra vehicle or the boat or trailer you rarely use bull Look at your possessions to see which nonessential items could be sold or

traded without significantly changing the way you live

Check Into Other Financial Resources 13

bull Take stock of your skills and abilities Research opportunities online or in your community to earn income in the short term while determining longer-term plans (ie consulting or freelance work completing online surveys tutoring testing products pet sitting making deliveries doing handy work etc)

bull Look into sources of financial assistance that may be available through federal and state government programs and nonprofit organizations (Supplemental Nutrition Assistance Program Temporary Assistance to Needy Families etc) Visit 211org or call 2-1-1 to identify potential sources of help in your community

bull Review your life insurance policy or talk to your insurance agent to see whether you can borrow against your policy

bull You may be able to withdraw from your 401(k) but note that if you withdraw before age 59frac12 you will have a 10 penalty for early withdrawal and will owe taxes on the amount you withdraw

bull Explore the possibility of listing an extra bedroom on Airbnb

30

LOOKING FOR A JOB

JOB SEARCH ACTION PLAN

1

2

3

Take stock of yourself

Find out whorsquos hiring

Prepare for the job interview and follow up

Identify job training and education resources4

You found the job you had You can find another job Sometimes changing jobs can be a positive thing For example you may have been thinking about getting into a different line of work and now have the opportunity to explore those options

Take Stock of Yourself 1

bull Create a list of job skills yoursquove developed through work or volunteer experience bull Reflect on the type of work you enjoy doing and whymdashknow your strengths

skills and interests bull Update your reacutesumeacute to include new work experience or relevant information

from the points above bull Identify working conditions that are important to you including

the pay and benefits you need to make ends meet

31

Find Out Whorsquos Hiring 2

bull Contact your union for help identifying other employers in your industry that are hiring

bull Conduct a thorough online search for websites containing job postings bull Visit your arearsquos American Jobs Center (wwwcareeronestoporgSite

american-job-centeraspx) work with a counselor to update your reacutesumeacute and connect you to employers

bull Let friends family members and former co-workers know you are looking for work and ask them to watch for job openings

bull Research ideas for professional networking and do it extensivelymdashyou never know who might be in a position to help or introduce you to someone who can

bull Follow up on all job leads

Prepare for the Job Interview and Follow Up3

bull Find out as much as you can about the employer industry (if itrsquos unfamiliar) and job opening before you apply or are interviewed

bull Prepare materials yoursquoll need to take with you such as copies of your reacutesumeacute and any documents the employer requested you bring along

bull Consider how you might answer typical interview questions such as why are you interested in working for the company or why yoursquore the best person for the job anticipate questions the employer might ask based on the job description and your work experience and role play the interview with friends and family members to practice responding to questions

bull Research best practices for interviewing successfully and the protocol for following up (ie sending thank you notes to interviewer(s))

Identify Job Training and Education Resources 4

bull Research free workforce development training at your local community college bull Visit the American Jobs Center in your area to identify job training and

education programs wwwcareeronestoporgSiteamerican-job-centeraspx

Richard L Trumka President

Elizabeth H Shuler Secretary-Treasurer

Tefere A Gebre Executive Vice President

815 16th St NW Washington DC 20006

202-637-5000 wwwaflcioorg

NOVA Job Center NOVA provides customized services to the jobseekers in San Mateo and Sunnyvale You can also yumlnd workforce services in your neighborhood or area in the these resources

NOVA Job Center novaworksorg

Job Search Assistance Skills Development amp Your Next Career

A PROUD PARTNER OF

YOUR FULL˜SERVICE CONNECTION TO Contact a Local Job Center

ldquo NOVA has been a great source of support in my e˜ort to yumlnd employment They provide excellent job counseling and resources to enable an e˜ec-tive job search rdquo mdash Victoria RF

RELATED SERVICES

Unemployment Insurance For additional details about unemployment insurance (UI)

beneyumlts including when to yumlle how to yumlle and how much

yoursquore eligible to receive visit wwweddcagov

Healthcare Coverage Visit CoveredCAcom for information on applying for adegordable

health insurance You may also visit wwwdolgovebsa to learn

more about COBRA and your rights and responsibilities for

continuing healthcare coverage under your employerrsquos plan

after a layodeg

ldquo Beyond being an organization that prepares and supports individuals in their job search hellip the professional sta˜ provide an emotional uplift with their smiles and empathy during a di˛cult time Thank you rdquo mdash Terry E

San Mateo 1777 Borel Place Suite 500 San Mateo CA 94402 650-581-0058 TTY 711 for California Relay Service

Sunnyvale 505 W Olive Avenue Suite 550 Sunnyvale CA 94086 408-730-7232 TTY 711 for California Relay Service

n o v a w o r k s o r g

To locate other job centers service locatororg

Rev 0219

Take advantage of NOVArsquos personalized Job Search Services

As a NOVA member you have access to a full array of employment and career services mdash from developing your career strategies to customizing your reacutesumeacute and polishing your interview skills

all at no cost to you

Connect with us through social media

facebookcomNOVAWorkforceBoard

twittercomNovaWB

youtubecomuserNOVASiliconValley

Career Advising Career advisors are available to provide you with job search and career development assistance

ProMatch This member-directed program available at NOVArsquos Sunnyvale location provides networking opportunities for professionals

Call 408-730-7671 or visit promatchorg for information

Social Networking Join the NOVA Job Center LinkedIn group to network with other members You can also follow NOVA on Facebook Twitter and YouTube

Employer Presentations Local employers and industry experts hold recruitments and information sessions on site

Training When funding is available NOVA provides assistance with training for customers who need additional skills to return to work or to change careers

Job-Search Workshops NOVA provides a great selection of instructor-led workshops to assist with every aspect of job search For current o˜erings consult NOVArsquos workshop calendar at linknovaworksorgcalendar

Visit NOVA at novaworksorg to learn more and get started35

Are You Making the Most ofYour Job Search

MyPlan mdash Comprehensive Online Job-Search Tool myplannovaworksorg This online resource will walk you through the four major stages of a job search Quickly and easily access information tools and resources to assist you in moving forward with your job-search activities

NOVA is an equal opportunity employerprogram Auxiliary aids and services are available upon request to individuals with disabilities

B AY A R E A WORKFORCE DEVELOPMENT SYSTEM

The one-stop solution for your job-search needs

Find workforce services in your neighborhood or across the country wwwservicelocatororg

SAN FRANCISCO

O˜ce of Economic amp Workforce

Development Serving the residents and businesses of San Francisco

from locations throughout San Francisco

wwwoewdorg 415-701-4848 bull TTY 711 (CA Relay Service)

PENINSULA

NOVA Job Center

Serving the residents and businesses of Silicon Valley including San Mateo County and northern Santa Clara County

from locations in San Mateo amp Sunnyvale

wwwnovaworksorg Sunnyvale 408-730-7232 bull San Mateo 650-581-0058

TTY 711 (CA Relay Service)

EAST BAY

EastBay Works

Serving the residents and businesses of Alameda amp Contra Costa Counties from locations in Alameda Antioch Berkeley

Brentwood Concord Dublin Hayward Newark Oakland Richmond amp San Pablo

wwweastbayworkscom 866-EBWORKS (329-6757) bull TTY 711 (CA Relay Service)

Proud partners of

SOUTH BAY

work2future

Serving the residents and businesses of Silicon Valley including the cities of Campbell Gilroy Los Altos Hills

Los Gatos Monte Sereno Morgan Hill San Jose Saratoga amp all unincorporated areas of Santa Clara County

from locations in Gilroy amp San Jose

wwwwork2futureorg 408-794-1100 bull TTY 711 (CA Relay Service)

San Benito County Americarsquos Job

Center of California

Serving the residents and businesses of San Benito County from its location in Hollister

wwwsbcjobsorg 831-637-JOBS (5627) bull TTY 711 (CA Relay Service)

Workforce Santa Cruz County

Serving the residents and businesses of Santa Cruz County from locations in Capitola amp Watsonville

wwwworkforcescccom 831-763-8700 bull TTY 711 (CA Relay Service)

Participating one-stop centers are equal opportunity employersprograms Auxiliary aids amp services are available upon request to individuals with disabilities36

B AY A R E A WORKFORCE DEVELOPMENT SYSTEM

The one-stop solution for your job-search needs

Find workforce services in your neighborhood or across the country Proud partners of wwwservicelocatororg

NORTH BAY

Marin

Serving the residents and businesses of Marin County from its location in San Rafael

wwwcareerpointnorthbayorg 415-473-3300 bull TTY 711 (CA Relay Service)

Workforce Development Board

of Solano County

Serving the residents and businesses of Solano County from locations in Fairyumleld amp Vallejo

wwwsolanoemploymentorg 707-863-3500 bull TTY 1-800-735-2922

Napa

Serving the residents and businesses of Napa County from its location in Napa

wwwcareerpointnorthbayorg 707-253-4134 bull TTY 711 (CA Relay Service)

Sonoma County Job Link

Serving the residents and businesses of Sonoma County from its location in Santa Rosa

wwwsonomawiborg 707-565-5550 bull TTY 711 (CA Relay Service)

CENTRAL VALLEY

San Joaquin County WorkNet

Serving the residents and businesses of San Joaquin County from locations in Lodi Manteca Stockton (2) amp Tracy

wwwsjcworknetorg 209-468-3500 bull TTY 209-468-3587 209-468-3593

Stanislaus County Workforce Development

Serving the residents and businesses of Stanislaus County from locations in Modesto Oakdale Patterson amp Turlock

wwwstanworkforcecom 209-558-WORK (9675) bull TTY 711 (CA Relay Service)

37Participating one-stop centers are equal opportunity employersprograms Auxiliary aids amp services are available upon request to individuals with disabilities Rev 0120

The 2020 Census is happening NOW As we work together to overcome these challenging times we want our Airport community to recognize the value of participating in the Census 2020 Census data is gathered every 10 years and the data is used to make sure government resources are allocated fairly and that everyone is represented equally in their community It is very important that you participate because the Census count is used to make lots of important decisions that a˜ect our community including things we rely on daily like roads housing schools childcare hospitals and public transportation

You can complete your questionnaire online by phone or by mail

Online my2020censusgov

By Phone multiple languages available Call (844) 330-2020 for English Call (844) 468-2020 for Spanish Call (844) 391-2020 for Chinese (Mandarin)

By Mail mail back the paper questionnaire sent to your home

For additional language use httpsbitly39y2TRd in your web browser

Questions and Comments