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"disqusTitle": "How to File for Unemployment in California During the Coronavirus Pandemic",
"title": "How to File for Unemployment in California During the Coronavirus Pandemic",
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"content": "\u003cp>\u003cem>Updated Oct. 6.\u003c/em>\u003c/p>\n\u003cp>\u003cem>California's Employment Development Department began accepting new applications for unemployment insurance on Oct. 5, after completing a two-week \"reset period.\"\u003c/em>\u003c/p>\n\u003cp>\u003cem>Developments and guidance on how to file for unemployment insurance have been changing rapidly. For additional support, please refer to the official \u003ca href=\"http://edd.ca.gov\" target=\"_blank\" rel=\"noopener noreferrer\">Employment Development Department website\u003c/a>, the \u003ca href=\"https://www.facebook.com/groups/3296311573733137\" target=\"_blank\" rel=\"noopener noreferrer\">Unofficial California Unemployment Help public group on Facebook\u003c/a> or refer to this resource \u003ca href=\"https://www.kqed.org/news/11820299/applying-for-unemployment-in-california-unofficial-facebook-group-creates-help-website\" target=\"_blank\" rel=\"noopener noreferrer\">created by volunteers\u003c/a>. \u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Skip to:\u003c/strong>\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#disaster\">How to File for Disaster Unemployment\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#change\">What's Changed During COVID-19?\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#why\">Why Does it Take So Long to Get Paid?\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#how\">How to File for Unemployment in California\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#eligibility\">General Eligibility Requirements for California\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#faq\">Frequently Asked Questions\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#federal\">What Happens Next?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cfigure id=\"attachment_11831949\" class=\"wp-caption alignnone\" style=\"max-width: 524px\">\u003cimg class=\"wp-image-11831949 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617.png\" alt=\"\" width=\"524\" height=\"697\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617.png 524w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617-160x213.png 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617-414x552.png 414w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617-354x472.png 354w\" sizes=\"(max-width: 524px) 100vw, 524px\">\u003cfigcaption class=\"wp-caption-text\">Source: California Employment Development Department \u003ccite>(Courtesy of CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Many Californians missing work because of the coronavirus can access benefits, including unemployment.\u003c/p>\n\u003cp>Benefits are not only for people who have been laid off, they also apply to caregivers, those who are quarantined and workers whose hours have been reduced.\u003c/p>\n\u003cp>However, California’s Employment Development Department (EDD) will halt accepting new unemployment claims until Oct. 5 while it tackles a massive backlog of cases and retools its website to process new cases more quickly. In the meantime, anyone filing an unemployment claim will be directed to a temporary website \u003ca href=\"https://edd.ca.gov/about_edd/pdf/edd-response-letter.pdf\">where they can leave their contact information\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"disaster\">\u003c/a>How to File for Disaster Unemployment\u003c/h3>\n\u003cp>\u003cstrong>Federal Disaster Unemployment Assistance\u003c/strong> (DUA) benefits are available for those who lost their jobs or businesses as a result of the wildfires beginning on August 14, 2020.\u003c/p>\n\u003cp>An \u003ca href=\"https://www.whitehouse.gov/briefings-statements/president-donald-j-trump-approves-california-disaster-declaration-082220/\" target=\"_blank\" rel=\"noopener noreferrer\">August 22 disaster declaration\u003c/a> provides disaster unemployment to those who do not qualify for the current state Unemployment Insurance.\u003c/p>\n\u003cp>A \u003ca href=\"https://www.edd.ca.gov/About_EDD/pdf/news-20-43.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">press release\u003c/a> from the EDD encourages individuals to apply through the EDD and the deadline for filing a claim related to the fires is September 28, 2020.\u003c/p>\n\u003cp>Benefits are available to those in the following counties:\u003c/p>\n\u003cul>\n\u003cli>Lake\u003c/li>\n\u003cli>Monterey\u003c/li>\n\u003cli>Napa\u003c/li>\n\u003cli>Santa Cruz\u003c/li>\n\u003cli>San Mateo\u003c/li>\n\u003cli>Solano\u003c/li>\n\u003cli>Sonoma\u003c/li>\n\u003cli>Yolo\u003c/li>\n\u003c/ul>\n\u003cp>These unemployment benefits are available to those who meet any of the following criteria:\u003c/p>\n\u003cul>\n\u003cli>Worked or were a business owner or self-employed, or were scheduled to begin work or self-employment, in the disaster area.\u003c/li>\n\u003cli>Cannot reach work because of the disaster or can no longer work because of physical damage or destruction to the place of employment as a direct result of the disaster.\u003c/li>\n\u003cli>Can establish that the work or self-employment they can no longer perform was their primary source of income.\u003c/li>\n\u003cli>Cannot perform work or self-employment because of an injury as a direct result of the disaster.\u003c/li>\n\u003cli>Became the head of their households because of a death caused by the disaster.\u003c/li>\n\u003cli>Have applied for and used all regular unemployment benefits from any state, or do not qualify for regular unemployment benefits and remain unemployed as a direct result of the disaster.\u003c/li>\n\u003c/ul>\n\u003cp>To receive benefits, documentation must be submitted within 21 days from the day the DUA application is filed. Documentation includes:\u003c/p>\n\u003cul>\n\u003cli>Social Security number;\u003c/li>\n\u003cli>Copy of the most recent federal income tax form or check stubs, or;\u003c/li>\n\u003cli>Documentation to prove self-employment which can be obtained from banks, government entities, or affidavits from individuals having knowledge of an individual’s business.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"change\">\u003c/a>What's Changed During COVID-19?\u003c/h3>\n\u003cp>From stimulus checks and enhanced unemployment to tax extensions and relaxed rules, the government — state and federal — is pulling strings everywhere to respond to the COVID-19 crisis.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Unemployment Insurance\u003c/strong> eligibility has been expanded and may include those who have to miss work to care for children. While benefits are typically capped at 26 weeks in a year, two new extensions allow for 13 and then 20 additional weeks.\u003c/li>\n\u003cli>\u003cstrong>Pandemic Unemployment Assistance\u003c/strong> is a new federal program that provides unemployment benefits ranging from $167-$450 per week to those ineligible for typical unemployment insurance, like freelancers, independent contractors, gig workers and people with limited work histories. COVID-19-related job impacts qualify workers for this program.\u003c/li>\n\u003c/ul>\n\u003cp>The reason for the drastic measures is clear. [aside postID=\"news_11830937\" label=\"More on Rent\"]Millions of Californians have been hit hard by the pandemic, particularly workers who are young, female or non-white. One survey showed a third of state residents don’t know how they’ll pay next month’s rent. Another researcher estimated that the rate of household food insecurity has doubled.\u003c/p>\n\u003ch3>\u003ca id=\"why\">\u003c/a>Why Does it Take So Long to Get Paid?\u003c/h3>\n\u003cp>This summer, the unemployment horror stories started to boil over. As out-of-work Californians \u003ca href=\"https://www.latimes.com/california/story/2020-07-11/california-covid-19-coronavirus-unemployment-calls-issues\" target=\"_blank\" rel=\"noopener noreferrer\">slogged through\u003c/a> “150 redials” to the unemployment office or \u003ca href=\"https://www.sfweekly.com/news/a-bureaucratic-nightmare-on-hold-with-the-edd/\" target=\"_blank\" rel=\"noopener noreferrer\">long waits\u003c/a> for checks docked for previously unknown penalties, \u003ca href=\"https://www.mercurynews.com/2020/07/08/coronavirus-unemployment-california-jobless-claims-backlog-jumps-layoff-job-tech-edd-ui-economy/\" target=\"_blank\" rel=\"noopener noreferrer\">The Mercury News reported\u003c/a> that just 3.1 million of the more than 5 million California workers who applied for benefits from March to May had received their first checks by early July.\u003c/p>\n\u003cp>In late September, officials at EDD made the decision to \u003ca href=\"https://www.kqed.org/news/11838939/california-to-pause-accepting-unemployment-claims-until-oct-5\">pause accepting unemployment claims\u003c/a> until early October, after the release of \u003ca href=\"https://www.govops.ca.gov/wp-content/uploads/sites/11/2020/09/Detailed-Assessment.pdf\">a \"strike team\" report\u003c/a> commissioned by Gov. Gavin Newsom that highlights the department's need for a massive overhaul to meet the demand of millions of people who are out of work.\u003c/p>\n\u003cp>The report, released Sept. 19, emphasizes that the department is wholly unequipped to handle its rapidly growing backlog of some 10,000 unemployment claims a day. In a letter to Newsom, EDD Director Sharon Hilliard said the \"pause\" would allow her department to catch up with its backlog and implement new technologies, strategies and protocols to tackle the overwhelming number of claims.\u003c/p>\n\u003cp>The department is once again accepting new unemployment insurance claims as of Oct. 5.\u003c/p>\n\u003cp>All over the state, public officials have been \u003ca href=\"https://www.sfchronicle.com/business/networth/article/SF-legislators-furious-California-EDD-limits-15383204.php\" target=\"_blank\" rel=\"noopener noreferrer\">demanding answers\u003c/a> and an audit of the EDD after delays process claims that in some cases stretched for months. Confusingly worded questions on forms and a lack of staff to update applications — in addition to reports of technical glitches and unexplained delays — still abound in Facebook support groups and news articles. Officials \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/faqs/unemployment.htm\" target=\"_blank\" rel=\"noopener noreferrer\">say\u003c/a> that common reasons for holdups include identity verification, missing information on wages and application errors like incomplete work histories.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/coronavirusliveupdates/news/11838994/faster-streamlined-access-to-unemployment-benefits-is-two-weeks-away-newsom-says\">During its reboot\u003c/a>, the EDD worked to launch a system called \u003ca href=\"https://www.id.me\">ID.me\u003c/a> to automatically verify the identity of a claimant. The hope is the changes will make it easier for newcomers to file claims, mitigate fraud and help the department work through a backlog of cases. The department says more details about the rollout of the new system are coming soon.\u003c/p>\n\u003cp>There’s also no denying how drastically the workload has increased. The state processed eight times as many applications during the worst week so far of the coronavirus recession — 1,058,325 in the third week of March — than the worst week after the financial crisis, according to a \u003ca href=\"https://calmatters.org/economy/2020/07/unemployment-benefits-california-stimulus-ting/?_gl=1*1uwymxo*_ga*MTQxOTIzOTk2OC4xNTkyOTYxOTEy\" target=\"_blank\" rel=\"noopener noreferrer\">CalMatters analysis\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"how\">\u003c/a>How to File for Unemployment in California\u003c/h3>\n\u003cp>Californians who may be missing work because of the coronavirus can apply for benefits through the state's \u003ca href=\"https://www.edd.ca.gov/about_edd/coronavirus-2019.htm\" target=\"_blank\" rel=\"noopener noreferrer\">EDD\u003c/a> once the agency begins accepting new claims again on Oct. 5. Specific policies instituted as a result of the coronavirus can be seen \u003ca href=\"https://www.edd.ca.gov/about_edd/coronavirus-2019/faqs.htm\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a> (also available in \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019-espanol.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Spanish\u003c/a>). The department is providing workers and caregivers various options to collect payment.\u003c/p>\n\u003cp>Sick or quarantined Californians who are unable to work as a result of the virus can file a \u003ca href=\"https://www.edd.ca.gov/Disability/How_to_File_a_DI_Claim_in_SDI_Online.htm\" target=\"_blank\" rel=\"noopener noreferrer\">disability insurance\u003c/a> claim online.\u003c/p>\n\u003cp>If you're unable to work because you're taking care of a sick or quarantined relative with COVID-19, you can file a \u003ca href=\"https://www.edd.ca.gov/Disability/How_to_File_a_PFL_Claim_in_SDI_Online.htm\" target=\"_blank\" rel=\"noopener noreferrer\">paid family leave \u003c/a>claim.\u003c/p>\n\u003cp>Those who have had reduced hours or have lost their job due to their employer shutting down operations can file an \u003ca href=\"https://www.edd.ca.gov/Unemployment/Filing_a_Claim.htm\" target=\"_blank\" rel=\"noopener noreferrer\">unemployment insurance\u003c/a> claim.\u003c/p>\n\u003cp>EDD encourages Californians to check the \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019.htm\" target=\"_blank\" rel=\"noopener noreferrer\">COVID-19 resources page\u003c/a> for developments.\u003c/p>\n\u003ch3>\u003ca id=\"eligibility\">\u003c/a>General Eligibility Requirements for California\u003c/h3>\n\u003cp>When filing for unemployment, you must have \u003ca href=\"https://fileunemployment.org/california/\">earned a certain threshold of wages\u003c/a> to establish a claim, and be:\u003c/p>\n\u003cul>\n\u003cli>Totally or partially unemployed\u003c/li>\n\u003cli>Unemployed through no fault of your own\u003c/li>\n\u003cli>Physically able to work\u003c/li>\n\u003cli>Available for work\u003c/li>\n\u003cli>Ready and willing to accept work immediately\u003c/li>\n\u003cli>Actively looking for work\u003c/li>\n\u003c/ul>\n\u003cp>In addition, according to EDD, you must continually meet eligibility requirements — meaning on a weekly basis you must continually prove the points above.\u003c/p>\n\u003cp>The federal government is allowing new options for states to amend their laws to provide unemployment insurance benefits related to COVID-19. For example, federal law now allows states to pay benefits where:\u003c/p>\n\u003cul>\n\u003cli>An employer temporarily ceases operations due to COVID-19, preventing employees from coming to work.\u003c/li>\n\u003cli>An individual is quarantined with the expectation of returning to work after the quarantine is over.\u003c/li>\n\u003cli>An individual leaves employment due to a risk of exposure or infection or to care for a family member.\u003c/li>\n\u003cli>In addition, federal law does not require an employee to quit in order to receive benefits due to the impact of COVID-19.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"faq\">\u003c/a>Frequently Asked Questions on Unemployment\u003c/h3>\n\u003cp>Frequently asked questions continue to change. The EDD website has an updated list \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>.\u003c/p>\n\u003ch4>Can I file for unemployment if I am self-employed, an independent contractor or gig worker?\u003c/h4>\n\u003cp>In certain cases, you may be eligible if you meet the following criteria:\u003c/p>\n\u003cul>\n\u003cli>You chose to contribute to unemployment \u003ca href=\"https://edd.ca.gov/pdf_pub_ctr/de231ec.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">elective coverage\u003c/a> and paid contributions to be considered potentially eligible for benefits.\u003c/li>\n\u003cli>Your past employer made contributions on your behalf over the past five to 18 months.\u003c/li>\n\u003cli>You may have been misclassified as an independent contractor instead of an employee.\u003c/li>\n\u003cli>When filing for your unemployment claim, you will be asked for your last employer.\u003c/li>\n\u003c/ul>\n\u003cp>If you own your business or are self-employed, you should list yourself as your last employer. If you are an independent contractor, you should list yourself as your last employer. If you believe you are misclassified as an independent contractor instead of an employee, you should list the business you contract with as your last employer.\u003c/p>\n\u003cp>Be sure to include:\u003c/p>\n\u003cul>\n\u003cli>The employer name, phone number and address.\u003c/li>\n\u003cli>Type of work performed.\u003c/li>\n\u003cli>Dates worked.\u003c/li>\n\u003cli>Your gross wages and how you were paid (such as hourly or weekly).\u003c/li>\n\u003cli>If you are a gig worker, you should list your gig employer as your last employer.\u003c/li>\n\u003c/ul>\n\u003ch4>Would I qualify for benefits if I choose to stay home from work due to underlying health conditions and concerns about exposure to the virus?\u003c/h4>\n\u003cp>You can be eligible for benefits if you choose to stay home. Once you file your claim, the department will contact you if they need more information.\u003c/p>\n\u003ch4>Would I qualify for benefits if my child’s school shuts down and I have to miss work to care for that child who is not ill?\u003c/h4>\n\u003cp>You may be eligible for unemployment benefits. The EDD has said a representative will determine eligibility on a case-by-case basis by scheduling a phone interview. For example, you may be eligible for unemployment benefits if your employer has temporarily allowed you to work less than full-time hours due to your child care situation.\u003c/p>\n\u003cp>In such cases, you may be eligible for reduced benefits based on the amount of your weekly earnings, as long as you meet all other eligibility requirements. The department will contact you and your employer for information to determine your eligibility.\u003c/p>\n\u003ch4>Can I collect benefits if my child’s school shuts down and I have to stay home to care for my child if I’m not currently employed or I had to quit work because of my child care needs?\u003c/h4>\n\u003cp>You may be eligible for unemployment benefits. An EDD representative will determine eligibility on a case-by-case basis by scheduling a phone interview with you.\u003c/p>\n\u003ch4>Are benefits available if my employer reduces my hours or shuts down operations due to impacts of the coronavirus?\u003c/h4>\n\u003cp>If your employer reduced your hours or shut down operations due to COVID-19, you are encouraged to file a claim. Unemployment provides partial wage replacement 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. However, they must remain able, available and ready to work during their unemployment for each week of benefits claimed and meet all other eligibility criteria.\u003c/p>\n\u003ch4>How much can I collect in benefits with an unemployment insurance claim?\u003c/h4>\n\u003cp>You can use the \u003ca href=\"https://www.edd.ca.gov/Unemployment/UI-Calculator.htm\" target=\"_blank\" rel=\"noopener noreferrer\">unemployment insurance calculator\u003c/a> to help estimate your potential weekly benefit amount.\u003c/p>\n\u003ch4>Can I still collect unemployment benefits if I am able to work remotely from home?\u003c/h4>\n\u003cp>Working your full normal hours remotely would not qualify you for benefits. However, you could collect some benefits if your usual number of work hours are reduced through no fault of your own. The first $25 or 25% of your wages, whichever is the greater amount, is not counted as wages earned and will not be reduced from your weekly benefit amount. For example, if you earned $100 in a week, the department would not count $25 as wages and would only deduct $75 from your weekly benefit amount. For someone who has a weekly benefit amount of $450, they would be paid a reduced amount of $375.\u003c/p>\n\u003ch4>Can I collect disability and unemployment benefits at the same time?\u003c/h4>\n\u003cp>You have the right to apply and file a claim for unemployment and disability benefits at the same time, but you can only collect payments under one benefit program at a time. The EDD encourages people to file a claim under one program based on your circumstances or file under both programs if you are unsure of which program is most appropriate. The department has said they will review the facts and determine eligibility for the appropriate program.\u003c/p>\n\u003ch4>Can I start collecting disability benefits and then transition to an unemployment claim if my workplace operations continue to be impacted with a slowdown or shutdown?\u003c/h4>\n\u003cp>Yes. If your employer shuts down operations or reduces hours for workers while you are on your disability claim, you may apply for unemployment benefits at that time. The EDD said they will help determine the start of your unemployment claim as long as you meet all other eligibility requirements.\u003c/p>\n\u003ch4>Can I start collecting unemployment benefits because I am laid off or have had my work hours reduced, and then switch to a disability claim if I become sick?\u003c/h4>\n\u003cp>Yes. If you become sick while you are out of work, you can apply for a disability claim, which can provide a higher benefit amount if you’re eligible. A medical certification is required to substantiate your illness. If you are approved for a disability insurance claim, your unemployment claim will be suspended. If you recover but remain unemployed, you may then return to the remainder of your benefits as long as you remain out of work and are otherwise eligible. You will need to reapply to reopen your unemployment claim.\u003c/p>\n\u003ch4>Can I start collecting unemployment benefits because I am laid off or have had my work hours reduced, and then switch to a Paid Family Leave claim if I have to care for a family member who is sick?\u003c/h4>\n\u003cp>Yes. If you have a family member who becomes sick while you are out of work, you can apply for a Paid Family Leave claim which can provide a higher benefit amount. A medical certification is required to prove your family member’s illness. If you are approved for a \u003ca href=\"https://www.edd.ca.gov/Disability/How_to_File_a_PFL_Claim_in_SDI_Online.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Paid Family Leave\u003c/a> claim, your Unemployment Insurance (UI) claim will be suspended. If you complete your Paid Family Leave claim and remain unemployed, you may then return to the remainder of your unemployment benefits as long as you are out of work and eligible. You will need to reapply to reopen your unemployment claim.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch3>\u003ca id=\"federal\">\u003c/a>What Happens Next?\u003c/h3>\n\u003cp>The first big challenge for Californians receiving (or still waiting to receive) unemployment benefits came on July 31 — the end of the last week for the federal $600-per-week supplement. But in August, a \u003ca href=\"https://www.whitehouse.gov/presidential-actions/memorandum-authorizing-needs-assistance-program-major-disaster-declarations-related-coronavirus-disease-2019/\">Presidential Memorandum\u003c/a> authorized a\u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/lost-wages-assistance.htm\"> Lost Wages Assistance\u003c/a> program, which provides Californians an additional $300 per week for up to six weeks, if an individual's weekly benefit amount is at least $100 per week.\u003c/p>\n\u003cp>Whether additional safety net funds will be made available is a big question for working class residents, especially those staring down the end of \u003ca href=\"https://calmatters.org/housing/2020/07/imperial-county-evictions-rules/\" target=\"_blank\" rel=\"noopener noreferrer\">short-term eviction protections\u003c/a>. Another large segment of the workforce at risk of falling through \u003ca href=\"https://calmatters.org/explainers/financial-help-coronavirus-in-california-is-it-enough/\" target=\"_blank\" rel=\"noopener noreferrer\">holes in the pandemic safety net\u003c/a> are working parents weighing \u003ca href=\"https://calmatters.org/education/2020/07/california-parents-education-pandemic/?_gl=1*op5e66*_ga*MTQxOTIzOTk2OC4xNTkyOTYxOTEy\" target=\"_blank\" rel=\"noopener noreferrer\">whether to quit their jobs\u003c/a> or reduce hours to supervise their children attending school remotely.\u003c/p>\n\u003cp>According to reporting by \u003ca href=\"https://calmatters.org/explainers/california-unemployment-benefits/#4212dfa0-ed24-437e-89f1-74c5db15fd82\" target=\"_blank\" rel=\"noopener noreferrer\">CalMatters\u003c/a>, the next question California legislators will have to answer is how they'll deal with the financial toll that paying out these claims will take on the state budget.\u003c/p>\n\u003ch3>Additional Sources of Financial Support\u003c/h3>\n\u003cp>For those in need of immediate relief, a group of companies and foundations have launched \u003ca href=\"https://onwardca.org/\" target=\"_blank\" rel=\"noopener noreferrer\">OnwardCA\u003c/a> — an initiative to get California workers essential services and back to work as soon as possible. Here you can search for food assistance, shelter and child care in addition to training and jobs.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/arts/13876893/emergency-funds-for-freelancers-creatives-losing-income-during-coronavirus\" target=\"_blank\" rel=\"noopener noreferrer\">Emergency Funds for Freelancers, Creatives Losing Income During Coronavirus\u003c/a> is a list of resources compiled by KQED Arts focusing on freelancers and creatives.\u003c/p>\n\u003cp>Corporations such as Facebook have funding available for \u003ca href=\"https://www.facebook.com/business/boost/grant\" target=\"_blank\" rel=\"noopener noreferrer\">small businesses\u003c/a>, and UberEats has \u003ca href=\"https://www.uber.com/newsroom/food-not-finances\" target=\"_blank\" rel=\"noopener noreferrer\">waived delivery fees\u003c/a> for independent restaurants.\u003c/p>\n\u003ch4>Support in San Francisco\u003c/h4>\n\u003cp>The city of San Francisco has launched a \u003ca href=\"https://sf.gov/give-city-respond-covid-19\" target=\"_blank\" rel=\"noopener noreferrer\">Give2SF fund\u003c/a> with a \u003ca href=\"https://www.sfchronicle.com/business/article/SF-starts-coronavirus-aid-fund-with-1-5-million-15130406.php#\" target=\"_blank\" rel=\"noopener noreferrer\">$1.5 million contribution from Salesforce\u003c/a> to “help protect the health of San Francisco and support the most vulnerable, including individuals, families, and local businesses.\" Additional resources for workers in San Francisco can be found \u003ca href=\"https://oewd.org/assistance-guidance-businesses-and-workers-impacted-covid-19#Employees%20Banner\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>. There is also a \u003ca href=\"https://oewd.org/covid-19-small-business-resiliency-fund\" target=\"_blank\" rel=\"noopener noreferrer\">small business resiliency fund\u003c/a> for the city of San Francisco.\u003c/p>\n\u003ch4>Santa Clara County Assistance\u003c/h4>\n\u003cp>The Santa Clara County homelessness prevention system has \u003ca href=\"https://sacredheartcs.org/covid19/\" target=\"_blank\" rel=\"noopener noreferrer\">temporary financial assistance\u003c/a> available to help low-income residents of Santa Clara County who have lost income and are unable to pay rent as a result of COVID-related impacts.\u003c/p>\n\u003ch4>Open Health Insurance Enrollment\u003c/h4>\n\u003cp>If you've lost a job and no longer have health insurance, \u003ca href=\"https://www.coveredca.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Covered California\u003c/a> has opened \u003ca href=\"https://www.kqed.org/news/11807676/covered-california-opens-special-enrollment-period-in-wake-of-coronavirus-crisis\" target=\"_blank\" rel=\"noopener noreferrer\">a special enrollment period \u003c/a>which means you can still get health insurance.\u003c/p>\n\u003cp>\u003cem>Additional reporting by Lauren Hepler and Stephen Council with \u003ca href=\"https://calmatters.org/explainers/california-unemployment-benefits/#9ef3cb94-c3eb-440f-8130-398e4b71191b\" target=\"_blank\" rel=\"noopener noreferrer\">CalMatters\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>\u003cem>An earlier version of this story was originally published on March 17, 2020.\u003c/em>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>Updated Oct. 6.\u003c/em>\u003c/p>\n\u003cp>\u003cem>California's Employment Development Department began accepting new applications for unemployment insurance on Oct. 5, after completing a two-week \"reset period.\"\u003c/em>\u003c/p>\n\u003cp>\u003cem>Developments and guidance on how to file for unemployment insurance have been changing rapidly. For additional support, please refer to the official \u003ca href=\"http://edd.ca.gov\" target=\"_blank\" rel=\"noopener noreferrer\">Employment Development Department website\u003c/a>, the \u003ca href=\"https://www.facebook.com/groups/3296311573733137\" target=\"_blank\" rel=\"noopener noreferrer\">Unofficial California Unemployment Help public group on Facebook\u003c/a> or refer to this resource \u003ca href=\"https://www.kqed.org/news/11820299/applying-for-unemployment-in-california-unofficial-facebook-group-creates-help-website\" target=\"_blank\" rel=\"noopener noreferrer\">created by volunteers\u003c/a>. \u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Skip to:\u003c/strong>\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#disaster\">How to File for Disaster Unemployment\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#change\">What's Changed During COVID-19?\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#why\">Why Does it Take So Long to Get Paid?\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#how\">How to File for Unemployment in California\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#eligibility\">General Eligibility Requirements for California\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#faq\">Frequently Asked Questions\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#federal\">What Happens Next?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cfigure id=\"attachment_11831949\" class=\"wp-caption alignnone\" style=\"max-width: 524px\">\u003cimg class=\"wp-image-11831949 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617.png\" alt=\"\" width=\"524\" height=\"697\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617.png 524w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617-160x213.png 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617-414x552.png 414w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-08-04-at-8.51.54-PM-e1596600437617-354x472.png 354w\" sizes=\"(max-width: 524px) 100vw, 524px\">\u003cfigcaption class=\"wp-caption-text\">Source: California Employment Development Department \u003ccite>(Courtesy of CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Many Californians missing work because of the coronavirus can access benefits, including unemployment.\u003c/p>\n\u003cp>Benefits are not only for people who have been laid off, they also apply to caregivers, those who are quarantined and workers whose hours have been reduced.\u003c/p>\n\u003cp>However, California’s Employment Development Department (EDD) will halt accepting new unemployment claims until Oct. 5 while it tackles a massive backlog of cases and retools its website to process new cases more quickly. In the meantime, anyone filing an unemployment claim will be directed to a temporary website \u003ca href=\"https://edd.ca.gov/about_edd/pdf/edd-response-letter.pdf\">where they can leave their contact information\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"disaster\">\u003c/a>How to File for Disaster Unemployment\u003c/h3>\n\u003cp>\u003cstrong>Federal Disaster Unemployment Assistance\u003c/strong> (DUA) benefits are available for those who lost their jobs or businesses as a result of the wildfires beginning on August 14, 2020.\u003c/p>\n\u003cp>An \u003ca href=\"https://www.whitehouse.gov/briefings-statements/president-donald-j-trump-approves-california-disaster-declaration-082220/\" target=\"_blank\" rel=\"noopener noreferrer\">August 22 disaster declaration\u003c/a> provides disaster unemployment to those who do not qualify for the current state Unemployment Insurance.\u003c/p>\n\u003cp>A \u003ca href=\"https://www.edd.ca.gov/About_EDD/pdf/news-20-43.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">press release\u003c/a> from the EDD encourages individuals to apply through the EDD and the deadline for filing a claim related to the fires is September 28, 2020.\u003c/p>\n\u003cp>Benefits are available to those in the following counties:\u003c/p>\n\u003cul>\n\u003cli>Lake\u003c/li>\n\u003cli>Monterey\u003c/li>\n\u003cli>Napa\u003c/li>\n\u003cli>Santa Cruz\u003c/li>\n\u003cli>San Mateo\u003c/li>\n\u003cli>Solano\u003c/li>\n\u003cli>Sonoma\u003c/li>\n\u003cli>Yolo\u003c/li>\n\u003c/ul>\n\u003cp>These unemployment benefits are available to those who meet any of the following criteria:\u003c/p>\n\u003cul>\n\u003cli>Worked or were a business owner or self-employed, or were scheduled to begin work or self-employment, in the disaster area.\u003c/li>\n\u003cli>Cannot reach work because of the disaster or can no longer work because of physical damage or destruction to the place of employment as a direct result of the disaster.\u003c/li>\n\u003cli>Can establish that the work or self-employment they can no longer perform was their primary source of income.\u003c/li>\n\u003cli>Cannot perform work or self-employment because of an injury as a direct result of the disaster.\u003c/li>\n\u003cli>Became the head of their households because of a death caused by the disaster.\u003c/li>\n\u003cli>Have applied for and used all regular unemployment benefits from any state, or do not qualify for regular unemployment benefits and remain unemployed as a direct result of the disaster.\u003c/li>\n\u003c/ul>\n\u003cp>To receive benefits, documentation must be submitted within 21 days from the day the DUA application is filed. Documentation includes:\u003c/p>\n\u003cul>\n\u003cli>Social Security number;\u003c/li>\n\u003cli>Copy of the most recent federal income tax form or check stubs, or;\u003c/li>\n\u003cli>Documentation to prove self-employment which can be obtained from banks, government entities, or affidavits from individuals having knowledge of an individual’s business.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"change\">\u003c/a>What's Changed During COVID-19?\u003c/h3>\n\u003cp>From stimulus checks and enhanced unemployment to tax extensions and relaxed rules, the government — state and federal — is pulling strings everywhere to respond to the COVID-19 crisis.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Unemployment Insurance\u003c/strong> eligibility has been expanded and may include those who have to miss work to care for children. While benefits are typically capped at 26 weeks in a year, two new extensions allow for 13 and then 20 additional weeks.\u003c/li>\n\u003cli>\u003cstrong>Pandemic Unemployment Assistance\u003c/strong> is a new federal program that provides unemployment benefits ranging from $167-$450 per week to those ineligible for typical unemployment insurance, like freelancers, independent contractors, gig workers and people with limited work histories. COVID-19-related job impacts qualify workers for this program.\u003c/li>\n\u003c/ul>\n\u003cp>The reason for the drastic measures is clear. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Millions of Californians have been hit hard by the pandemic, particularly workers who are young, female or non-white. One survey showed a third of state residents don’t know how they’ll pay next month’s rent. Another researcher estimated that the rate of household food insecurity has doubled.\u003c/p>\n\u003ch3>\u003ca id=\"why\">\u003c/a>Why Does it Take So Long to Get Paid?\u003c/h3>\n\u003cp>This summer, the unemployment horror stories started to boil over. As out-of-work Californians \u003ca href=\"https://www.latimes.com/california/story/2020-07-11/california-covid-19-coronavirus-unemployment-calls-issues\" target=\"_blank\" rel=\"noopener noreferrer\">slogged through\u003c/a> “150 redials” to the unemployment office or \u003ca href=\"https://www.sfweekly.com/news/a-bureaucratic-nightmare-on-hold-with-the-edd/\" target=\"_blank\" rel=\"noopener noreferrer\">long waits\u003c/a> for checks docked for previously unknown penalties, \u003ca href=\"https://www.mercurynews.com/2020/07/08/coronavirus-unemployment-california-jobless-claims-backlog-jumps-layoff-job-tech-edd-ui-economy/\" target=\"_blank\" rel=\"noopener noreferrer\">The Mercury News reported\u003c/a> that just 3.1 million of the more than 5 million California workers who applied for benefits from March to May had received their first checks by early July.\u003c/p>\n\u003cp>In late September, officials at EDD made the decision to \u003ca href=\"https://www.kqed.org/news/11838939/california-to-pause-accepting-unemployment-claims-until-oct-5\">pause accepting unemployment claims\u003c/a> until early October, after the release of \u003ca href=\"https://www.govops.ca.gov/wp-content/uploads/sites/11/2020/09/Detailed-Assessment.pdf\">a \"strike team\" report\u003c/a> commissioned by Gov. Gavin Newsom that highlights the department's need for a massive overhaul to meet the demand of millions of people who are out of work.\u003c/p>\n\u003cp>The report, released Sept. 19, emphasizes that the department is wholly unequipped to handle its rapidly growing backlog of some 10,000 unemployment claims a day. In a letter to Newsom, EDD Director Sharon Hilliard said the \"pause\" would allow her department to catch up with its backlog and implement new technologies, strategies and protocols to tackle the overwhelming number of claims.\u003c/p>\n\u003cp>The department is once again accepting new unemployment insurance claims as of Oct. 5.\u003c/p>\n\u003cp>All over the state, public officials have been \u003ca href=\"https://www.sfchronicle.com/business/networth/article/SF-legislators-furious-California-EDD-limits-15383204.php\" target=\"_blank\" rel=\"noopener noreferrer\">demanding answers\u003c/a> and an audit of the EDD after delays process claims that in some cases stretched for months. Confusingly worded questions on forms and a lack of staff to update applications — in addition to reports of technical glitches and unexplained delays — still abound in Facebook support groups and news articles. Officials \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/faqs/unemployment.htm\" target=\"_blank\" rel=\"noopener noreferrer\">say\u003c/a> that common reasons for holdups include identity verification, missing information on wages and application errors like incomplete work histories.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/coronavirusliveupdates/news/11838994/faster-streamlined-access-to-unemployment-benefits-is-two-weeks-away-newsom-says\">During its reboot\u003c/a>, the EDD worked to launch a system called \u003ca href=\"https://www.id.me\">ID.me\u003c/a> to automatically verify the identity of a claimant. The hope is the changes will make it easier for newcomers to file claims, mitigate fraud and help the department work through a backlog of cases. The department says more details about the rollout of the new system are coming soon.\u003c/p>\n\u003cp>There’s also no denying how drastically the workload has increased. The state processed eight times as many applications during the worst week so far of the coronavirus recession — 1,058,325 in the third week of March — than the worst week after the financial crisis, according to a \u003ca href=\"https://calmatters.org/economy/2020/07/unemployment-benefits-california-stimulus-ting/?_gl=1*1uwymxo*_ga*MTQxOTIzOTk2OC4xNTkyOTYxOTEy\" target=\"_blank\" rel=\"noopener noreferrer\">CalMatters analysis\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"how\">\u003c/a>How to File for Unemployment in California\u003c/h3>\n\u003cp>Californians who may be missing work because of the coronavirus can apply for benefits through the state's \u003ca href=\"https://www.edd.ca.gov/about_edd/coronavirus-2019.htm\" target=\"_blank\" rel=\"noopener noreferrer\">EDD\u003c/a> once the agency begins accepting new claims again on Oct. 5. Specific policies instituted as a result of the coronavirus can be seen \u003ca href=\"https://www.edd.ca.gov/about_edd/coronavirus-2019/faqs.htm\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a> (also available in \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019-espanol.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Spanish\u003c/a>). The department is providing workers and caregivers various options to collect payment.\u003c/p>\n\u003cp>Sick or quarantined Californians who are unable to work as a result of the virus can file a \u003ca href=\"https://www.edd.ca.gov/Disability/How_to_File_a_DI_Claim_in_SDI_Online.htm\" target=\"_blank\" rel=\"noopener noreferrer\">disability insurance\u003c/a> claim online.\u003c/p>\n\u003cp>If you're unable to work because you're taking care of a sick or quarantined relative with COVID-19, you can file a \u003ca href=\"https://www.edd.ca.gov/Disability/How_to_File_a_PFL_Claim_in_SDI_Online.htm\" target=\"_blank\" rel=\"noopener noreferrer\">paid family leave \u003c/a>claim.\u003c/p>\n\u003cp>Those who have had reduced hours or have lost their job due to their employer shutting down operations can file an \u003ca href=\"https://www.edd.ca.gov/Unemployment/Filing_a_Claim.htm\" target=\"_blank\" rel=\"noopener noreferrer\">unemployment insurance\u003c/a> claim.\u003c/p>\n\u003cp>EDD encourages Californians to check the \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019.htm\" target=\"_blank\" rel=\"noopener noreferrer\">COVID-19 resources page\u003c/a> for developments.\u003c/p>\n\u003ch3>\u003ca id=\"eligibility\">\u003c/a>General Eligibility Requirements for California\u003c/h3>\n\u003cp>When filing for unemployment, you must have \u003ca href=\"https://fileunemployment.org/california/\">earned a certain threshold of wages\u003c/a> to establish a claim, and be:\u003c/p>\n\u003cul>\n\u003cli>Totally or partially unemployed\u003c/li>\n\u003cli>Unemployed through no fault of your own\u003c/li>\n\u003cli>Physically able to work\u003c/li>\n\u003cli>Available for work\u003c/li>\n\u003cli>Ready and willing to accept work immediately\u003c/li>\n\u003cli>Actively looking for work\u003c/li>\n\u003c/ul>\n\u003cp>In addition, according to EDD, you must continually meet eligibility requirements — meaning on a weekly basis you must continually prove the points above.\u003c/p>\n\u003cp>The federal government is allowing new options for states to amend their laws to provide unemployment insurance benefits related to COVID-19. For example, federal law now allows states to pay benefits where:\u003c/p>\n\u003cul>\n\u003cli>An employer temporarily ceases operations due to COVID-19, preventing employees from coming to work.\u003c/li>\n\u003cli>An individual is quarantined with the expectation of returning to work after the quarantine is over.\u003c/li>\n\u003cli>An individual leaves employment due to a risk of exposure or infection or to care for a family member.\u003c/li>\n\u003cli>In addition, federal law does not require an employee to quit in order to receive benefits due to the impact of COVID-19.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"faq\">\u003c/a>Frequently Asked Questions on Unemployment\u003c/h3>\n\u003cp>Frequently asked questions continue to change. The EDD website has an updated list \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>.\u003c/p>\n\u003ch4>Can I file for unemployment if I am self-employed, an independent contractor or gig worker?\u003c/h4>\n\u003cp>In certain cases, you may be eligible if you meet the following criteria:\u003c/p>\n\u003cul>\n\u003cli>You chose to contribute to unemployment \u003ca href=\"https://edd.ca.gov/pdf_pub_ctr/de231ec.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">elective coverage\u003c/a> and paid contributions to be considered potentially eligible for benefits.\u003c/li>\n\u003cli>Your past employer made contributions on your behalf over the past five to 18 months.\u003c/li>\n\u003cli>You may have been misclassified as an independent contractor instead of an employee.\u003c/li>\n\u003cli>When filing for your unemployment claim, you will be asked for your last employer.\u003c/li>\n\u003c/ul>\n\u003cp>If you own your business or are self-employed, you should list yourself as your last employer. If you are an independent contractor, you should list yourself as your last employer. If you believe you are misclassified as an independent contractor instead of an employee, you should list the business you contract with as your last employer.\u003c/p>\n\u003cp>Be sure to include:\u003c/p>\n\u003cul>\n\u003cli>The employer name, phone number and address.\u003c/li>\n\u003cli>Type of work performed.\u003c/li>\n\u003cli>Dates worked.\u003c/li>\n\u003cli>Your gross wages and how you were paid (such as hourly or weekly).\u003c/li>\n\u003cli>If you are a gig worker, you should list your gig employer as your last employer.\u003c/li>\n\u003c/ul>\n\u003ch4>Would I qualify for benefits if I choose to stay home from work due to underlying health conditions and concerns about exposure to the virus?\u003c/h4>\n\u003cp>You can be eligible for benefits if you choose to stay home. Once you file your claim, the department will contact you if they need more information.\u003c/p>\n\u003ch4>Would I qualify for benefits if my child’s school shuts down and I have to miss work to care for that child who is not ill?\u003c/h4>\n\u003cp>You may be eligible for unemployment benefits. The EDD has said a representative will determine eligibility on a case-by-case basis by scheduling a phone interview. For example, you may be eligible for unemployment benefits if your employer has temporarily allowed you to work less than full-time hours due to your child care situation.\u003c/p>\n\u003cp>In such cases, you may be eligible for reduced benefits based on the amount of your weekly earnings, as long as you meet all other eligibility requirements. The department will contact you and your employer for information to determine your eligibility.\u003c/p>\n\u003ch4>Can I collect benefits if my child’s school shuts down and I have to stay home to care for my child if I’m not currently employed or I had to quit work because of my child care needs?\u003c/h4>\n\u003cp>You may be eligible for unemployment benefits. An EDD representative will determine eligibility on a case-by-case basis by scheduling a phone interview with you.\u003c/p>\n\u003ch4>Are benefits available if my employer reduces my hours or shuts down operations due to impacts of the coronavirus?\u003c/h4>\n\u003cp>If your employer reduced your hours or shut down operations due to COVID-19, you are encouraged to file a claim. Unemployment provides partial wage replacement 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. However, they must remain able, available and ready to work during their unemployment for each week of benefits claimed and meet all other eligibility criteria.\u003c/p>\n\u003ch4>How much can I collect in benefits with an unemployment insurance claim?\u003c/h4>\n\u003cp>You can use the \u003ca href=\"https://www.edd.ca.gov/Unemployment/UI-Calculator.htm\" target=\"_blank\" rel=\"noopener noreferrer\">unemployment insurance calculator\u003c/a> to help estimate your potential weekly benefit amount.\u003c/p>\n\u003ch4>Can I still collect unemployment benefits if I am able to work remotely from home?\u003c/h4>\n\u003cp>Working your full normal hours remotely would not qualify you for benefits. However, you could collect some benefits if your usual number of work hours are reduced through no fault of your own. The first $25 or 25% of your wages, whichever is the greater amount, is not counted as wages earned and will not be reduced from your weekly benefit amount. For example, if you earned $100 in a week, the department would not count $25 as wages and would only deduct $75 from your weekly benefit amount. For someone who has a weekly benefit amount of $450, they would be paid a reduced amount of $375.\u003c/p>\n\u003ch4>Can I collect disability and unemployment benefits at the same time?\u003c/h4>\n\u003cp>You have the right to apply and file a claim for unemployment and disability benefits at the same time, but you can only collect payments under one benefit program at a time. The EDD encourages people to file a claim under one program based on your circumstances or file under both programs if you are unsure of which program is most appropriate. The department has said they will review the facts and determine eligibility for the appropriate program.\u003c/p>\n\u003ch4>Can I start collecting disability benefits and then transition to an unemployment claim if my workplace operations continue to be impacted with a slowdown or shutdown?\u003c/h4>\n\u003cp>Yes. If your employer shuts down operations or reduces hours for workers while you are on your disability claim, you may apply for unemployment benefits at that time. The EDD said they will help determine the start of your unemployment claim as long as you meet all other eligibility requirements.\u003c/p>\n\u003ch4>Can I start collecting unemployment benefits because I am laid off or have had my work hours reduced, and then switch to a disability claim if I become sick?\u003c/h4>\n\u003cp>Yes. If you become sick while you are out of work, you can apply for a disability claim, which can provide a higher benefit amount if you’re eligible. A medical certification is required to substantiate your illness. If you are approved for a disability insurance claim, your unemployment claim will be suspended. If you recover but remain unemployed, you may then return to the remainder of your benefits as long as you remain out of work and are otherwise eligible. You will need to reapply to reopen your unemployment claim.\u003c/p>\n\u003ch4>Can I start collecting unemployment benefits because I am laid off or have had my work hours reduced, and then switch to a Paid Family Leave claim if I have to care for a family member who is sick?\u003c/h4>\n\u003cp>Yes. If you have a family member who becomes sick while you are out of work, you can apply for a Paid Family Leave claim which can provide a higher benefit amount. A medical certification is required to prove your family member’s illness. If you are approved for a \u003ca href=\"https://www.edd.ca.gov/Disability/How_to_File_a_PFL_Claim_in_SDI_Online.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Paid Family Leave\u003c/a> claim, your Unemployment Insurance (UI) claim will be suspended. If you complete your Paid Family Leave claim and remain unemployed, you may then return to the remainder of your unemployment benefits as long as you are out of work and eligible. You will need to reapply to reopen your unemployment claim.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch3>\u003ca id=\"federal\">\u003c/a>What Happens Next?\u003c/h3>\n\u003cp>The first big challenge for Californians receiving (or still waiting to receive) unemployment benefits came on July 31 — the end of the last week for the federal $600-per-week supplement. But in August, a \u003ca href=\"https://www.whitehouse.gov/presidential-actions/memorandum-authorizing-needs-assistance-program-major-disaster-declarations-related-coronavirus-disease-2019/\">Presidential Memorandum\u003c/a> authorized a\u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/lost-wages-assistance.htm\"> Lost Wages Assistance\u003c/a> program, which provides Californians an additional $300 per week for up to six weeks, if an individual's weekly benefit amount is at least $100 per week.\u003c/p>\n\u003cp>Whether additional safety net funds will be made available is a big question for working class residents, especially those staring down the end of \u003ca href=\"https://calmatters.org/housing/2020/07/imperial-county-evictions-rules/\" target=\"_blank\" rel=\"noopener noreferrer\">short-term eviction protections\u003c/a>. Another large segment of the workforce at risk of falling through \u003ca href=\"https://calmatters.org/explainers/financial-help-coronavirus-in-california-is-it-enough/\" target=\"_blank\" rel=\"noopener noreferrer\">holes in the pandemic safety net\u003c/a> are working parents weighing \u003ca href=\"https://calmatters.org/education/2020/07/california-parents-education-pandemic/?_gl=1*op5e66*_ga*MTQxOTIzOTk2OC4xNTkyOTYxOTEy\" target=\"_blank\" rel=\"noopener noreferrer\">whether to quit their jobs\u003c/a> or reduce hours to supervise their children attending school remotely.\u003c/p>\n\u003cp>According to reporting by \u003ca href=\"https://calmatters.org/explainers/california-unemployment-benefits/#4212dfa0-ed24-437e-89f1-74c5db15fd82\" target=\"_blank\" rel=\"noopener noreferrer\">CalMatters\u003c/a>, the next question California legislators will have to answer is how they'll deal with the financial toll that paying out these claims will take on the state budget.\u003c/p>\n\u003ch3>Additional Sources of Financial Support\u003c/h3>\n\u003cp>For those in need of immediate relief, a group of companies and foundations have launched \u003ca href=\"https://onwardca.org/\" target=\"_blank\" rel=\"noopener noreferrer\">OnwardCA\u003c/a> — an initiative to get California workers essential services and back to work as soon as possible. Here you can search for food assistance, shelter and child care in addition to training and jobs.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/arts/13876893/emergency-funds-for-freelancers-creatives-losing-income-during-coronavirus\" target=\"_blank\" rel=\"noopener noreferrer\">Emergency Funds for Freelancers, Creatives Losing Income During Coronavirus\u003c/a> is a list of resources compiled by KQED Arts focusing on freelancers and creatives.\u003c/p>\n\u003cp>Corporations such as Facebook have funding available for \u003ca href=\"https://www.facebook.com/business/boost/grant\" target=\"_blank\" rel=\"noopener noreferrer\">small businesses\u003c/a>, and UberEats has \u003ca href=\"https://www.uber.com/newsroom/food-not-finances\" target=\"_blank\" rel=\"noopener noreferrer\">waived delivery fees\u003c/a> for independent restaurants.\u003c/p>\n\u003ch4>Support in San Francisco\u003c/h4>\n\u003cp>The city of San Francisco has launched a \u003ca href=\"https://sf.gov/give-city-respond-covid-19\" target=\"_blank\" rel=\"noopener noreferrer\">Give2SF fund\u003c/a> with a \u003ca href=\"https://www.sfchronicle.com/business/article/SF-starts-coronavirus-aid-fund-with-1-5-million-15130406.php#\" target=\"_blank\" rel=\"noopener noreferrer\">$1.5 million contribution from Salesforce\u003c/a> to “help protect the health of San Francisco and support the most vulnerable, including individuals, families, and local businesses.\" Additional resources for workers in San Francisco can be found \u003ca href=\"https://oewd.org/assistance-guidance-businesses-and-workers-impacted-covid-19#Employees%20Banner\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>. There is also a \u003ca href=\"https://oewd.org/covid-19-small-business-resiliency-fund\" target=\"_blank\" rel=\"noopener noreferrer\">small business resiliency fund\u003c/a> for the city of San Francisco.\u003c/p>\n\u003ch4>Santa Clara County Assistance\u003c/h4>\n\u003cp>The Santa Clara County homelessness prevention system has \u003ca href=\"https://sacredheartcs.org/covid19/\" target=\"_blank\" rel=\"noopener noreferrer\">temporary financial assistance\u003c/a> available to help low-income residents of Santa Clara County who have lost income and are unable to pay rent as a result of COVID-related impacts.\u003c/p>\n\u003ch4>Open Health Insurance Enrollment\u003c/h4>\n\u003cp>If you've lost a job and no longer have health insurance, \u003ca href=\"https://www.coveredca.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Covered California\u003c/a> has opened \u003ca href=\"https://www.kqed.org/news/11807676/covered-california-opens-special-enrollment-period-in-wake-of-coronavirus-crisis\" target=\"_blank\" rel=\"noopener noreferrer\">a special enrollment period \u003c/a>which means you can still get health insurance.\u003c/p>\n\u003cp>\u003cem>Additional reporting by Lauren Hepler and Stephen Council with \u003ca href=\"https://calmatters.org/explainers/california-unemployment-benefits/#9ef3cb94-c3eb-440f-8130-398e4b71191b\" target=\"_blank\" rel=\"noopener noreferrer\">CalMatters\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>\u003cem>An earlier version of this story was originally published on March 17, 2020.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Some Bay Area property and development firms with billions of dollars in assets \u003ca href=\"https://www.kqed.org/news/11831660/ppp-payroll-protection-loans-landlords-mosser-maximus-emerald-fund\">received federal pandemic assistance loans\u003c/a> aimed to help small businesses.\u003c/p>\n\u003cp>While there is nothing wrong with getting a Paycheck Protection Program (PPP) loan, it doesn’t seem to pass the smell test if the recipient is sitting on billions of dollars while taking millions in pandemic assistance.\u003c/p>\n\u003cp>If you’re dealing in numbers that begin with a “b,” should you really be considered “small?”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Some Bay Area property and development firms with billions of dollars in assets \u003ca href=\"https://www.kqed.org/news/11831660/ppp-payroll-protection-loans-landlords-mosser-maximus-emerald-fund\">received federal pandemic assistance loans\u003c/a> aimed to help small businesses.\u003c/p>\n\u003cp>While there is nothing wrong with getting a Paycheck Protection Program (PPP) loan, it doesn’t seem to pass the smell test if the recipient is sitting on billions of dollars while taking millions in pandemic assistance.\u003c/p>\n\u003cp>If you’re dealing in numbers that begin with a “b,” should you really be considered “small?”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"title": "Pandemic Loans Were Meant for Small Businesses. Why Did These Giant Property Firms Get Millions?",
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"headTitle": "Pandemic Loans Were Meant for Small Businesses. Why Did These Giant Property Firms Get Millions? | KQED",
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"content": "\u003cp>\u003cem>This story contains a correction. \u003c/em>\u003c/p>\n\u003cp>Ryan Furtkamp and Brianne Hodson are counting down the days until local eviction moratoriums end, fearing what comes next.\u003c/p>\n\u003cp>Furtkamp, 32, and Hodson, 35, are married and live in Oakland, just north of downtown, and say they moved to the city for its diversity and progressive politics.\u003c/p>\n\u003cp>Furtkamp, who hails from Phoenix, works at UC Berkeley in communications. Hodson, who moved up from Los Angeles after high school, built her own successful dog-walking business.\u003c/p>\n\u003cp>Their combined incomes paid their $2,275 monthly rent — until the pandemic wiped out Hodson’s business. As clients dropped off, her income fell.\u003c/p>\n\u003cp>Hodson has gotten benefits from the federal Pandemic Unemployment Assistance program, but not enough to help them make rent, which they haven’t paid since April. The couple and other tenants in their 39-unit building say they plan to try to negotiate rent forgiveness with their landlord, San Francisco-based Mosser Companies. They say the only thing keeping them housed now is Oakland’s eviction moratorium.\u003c/p>\n\u003cp>“Despite the relief, there’s no way we would be able to afford rent right now,” Hodson said recently.\u003c/p>\n\u003cp>But federal pandemic assistance came through in a big way for their landlord.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Government records show Mosser Companies received a loan of between $2 million and $5 million under the Paycheck Protection Program, passed by Congress in March to help small businesses avoid layoffs during the pandemic. The data, posted last month by the federal Small Business Administration, shows loan amounts in broad ranges, not specific amounts.\u003c/p>\n\u003cp>The company’s property management arm, Mosser Living, offers rental units in 55 properties across San Francisco, 20 properties in Oakland and eight properties in Los Angeles, promising a “blend” of “vintage with modern upgrades in all the right places, striking the perfect balance between authentic and awesome.”\u003c/p>\n\u003cp>“We call this Mosser Living. You’ll call it ‘home,’ ” the company’s website says.\u003c/p>\n\u003cp>Furtkamp says the thought that federal assistance has been unable to help him and his wife meet their rent while Mosser got millions in federal support makes him furious.\u003c/p>\n\u003cp>“For them to take advantage of a program like this that’s intended for small business — that doesn’t have access to capital in the way that they do — it’s just kind of insulting that they would abuse the program in that way,” Furtkamp said.\u003c/p>\n\u003cp>Mosser Companies did not respond to repeated requests for comment on its loan and its response to tenants in Furtkamp’s building.\u003c/p>\n\u003cp>Mosser is just one of several large Bay Area property and development firms that scored PPP loans.\u003c/p>\n\u003cp>Among companies identified for KQED by tenant advocates and industry sources are some of the region’s biggest landlords. They include:\u003c/p>\n\u003cul>\n\u003cli style=\"list-style-type: none\">\n\u003cul>\n\u003cli>Emerald Fund, developer of 37 projects with more than 5,000 housing units, received a loan of between $1 and $3.5 million\u003c/li>\n\u003cli>Maximus Real Estate Partners, which manages San Francisco’s Parkmerced, got a loan of $2 million to $5 million\u003c/li>\n\u003cli>Reliant Group Management, which manages 23 properties in the Bay Area and more than 70 in the United States, received between $1 million and $3.5 million\u003c/li>\n\u003cli>Grosvenor Properties, which manages four properties in San Francisco, got between $1 million and $3.5 million\u003c/li>\n\u003cli>Woodmont Real Estate Services, which owns roughly 80 multifamily properties across California, received between $5 million and $10 million\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003c/ul>\n\u003ch3>Deep Pockets — and Big Loans\u003c/h3>\n\u003cp>The news comes on the heels of public outcry over a $3.6 million PPP loan \u003ca href=\"https://www.kqed.org/coronavirusliveupdates/news/11818912/after-pelosi-pressure-sf-biggest-landlord-veritas-says-they-will-repay-loan\">granted to Veritas Investments\u003c/a>. San Francisco’s biggest landlord, the company owns and operates more than 250 apartment buildings in the city and has $3 billion in assets.\u003c/p>\n\u003cp>The loans have received negative attention in part because of some companies’ poor reputations with tenants and community groups.\u003c/p>\n\u003cp>Some firms on the list, such as Veritas, have been criticized in the past for allegedly trying to push tenants out of rent-controlled buildings. Others, such as Maximus, have been the target of community anger \u003ca href=\"https://www.kqed.org/news/10984844/the-monster-is-back-updated-proposal-for-project-at-16th-and-mission\">for proposing projects that could gentrify neighborhoods and displace longtime residents\u003c/a>.\u003c/p>\n\u003cp>Politicians, pundits, housing rights activists and those renting from these corporate landlords also argue that the loan recipients are too big and too wealthy to need government help.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://flo.uri.sh/visualisation/3374695/embed\" frameborder=\"0\" scrolling=\"no\" style=\"width:100%;height:600px;\" width=\"100%\" height=\"500\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cdiv style=\"width: 100%!;margin-top: 4px!important;text-align: right!important\">\u003ca class=\"flourish-credit\" style=\"text-decoration: none!important\" href=\"https://public.flourish.studio/visualisation/3374695/?utm_source=embed&utm_campaign=visualisation/3374695\" target=\"_top\" rel=\"noopener noreferrer\">\u003cimg decoding=\"async\" style=\"width: 105px!important;height: 16px!important;border: none!important;margin: 0!important\" src=\"https://public.flourish.studio/resources/made_with_flourish.svg\" alt=\"Made with Flourish\">\u003c/a>\u003c/div>\n\u003cp>Mosser Companies, for instance, includes Mosser Capital, which offers real estate investment opportunities and boasts $1.3 billion in assets.\u003c/p>\n\u003cp>Other local firms that got PPP loans illustrate the massive amounts of capital that property firms are dealing in as they buy, sell and invest in Bay Area real estate.\u003c/p>\n\u003cp>Starcity Properties, which received a loan of between $1 and $2 million, owns seven buildings in San Francisco and two in Oakland. It has offered properties on the market for as much as $30 million and sold properties for $11 million and $16 million, according to filings with the federal Securities and Exchange Commission.\u003c/p>\n\u003cp>Ballast Investments, which received a PPP loan between $1 and $2 million, manages $97 million in assets, according to its SEC filings, with custody of $38 million across 78 clients.\u003c/p>\n\u003ch3>A Tough Borrowing Environment for Property Managers?\u003c/h3>\n\u003cp>But those working in the real estate industry say some of these wealthy-looking firms may need the short-term help the PPP loans can provide.\u003c/p>\n\u003cp>Alexander Quinn, director of research for Northern California at real estate services firm JLL, says big property owners typically have access to what’s often called “dry powder” — buildings in their portfolio that can be refinanced to raise cash reserves.\u003c/p>\n\u003cp>“Now, some of them pulled some of that out, put it into cash, but a lot of them didn’t,” Quinn said. But if they didn’t, borrowing has become more complicated.\u003c/p>\n\u003cp>“If you were, say, saying, ‘Oh, I need to pull out cash to shore up my cash flow for the next six months,’ it’d be a very difficult thing to do right now,” he said. That’s because it is “really hard to refinance in this market,” Quinn said.\u003c/p>\n\u003cp>One reason banks would be reluctant to refinance is that borrowers might not have a reliable flow of rent payments because so many tenants have lost income.\u003c/p>\n\u003cp>But Quinn said that the vast majority of tenants have kept up with rent payments so far.\u003c/p>\n\u003cp>“Rent payments, rent collections have been pretty good until July,” Quinn said. “We saw roughly over 95% of all renters paying their rent” nationally.\u003c/p>\n\u003cp>And, Quinn added, who is vulnerable depends on when you bought your properties. Those with older properties are less likely to be cash-strapped, whereas those with new developments may face a harder road.\u003c/p>\n\u003cp>[aside label='More Housing Coverage' tag='affordable-housing']Starcity Properties CEO Jon Dishotsky said that the availability of capital, including cash to meet payroll, has changed dramatically since the pandemic began.\u003c/p>\n\u003cp>“Out of a hundred people I normally talk to for capital … 30 write a term sheet in a normal environment, and I get down to three or five (funders) at the end of the day,” he said. “Now, out of a hundred people, five pick up the phone. And one writes a term sheet.”\u003c/p>\n\u003cp>The company, which builds “co-living” apartment units meant to appeal to younger tenants, took out a $1.2 million PPP loan.\u003c/p>\n\u003cp>That amount pales in comparison to the hundreds of millions it needs to build its projects, but Dishotsky says it’s helped the company get through the past few months.\u003c/p>\n\u003cp>“Our corporate entity certainly could have run into a lot of trouble” without the PPP loan, which he said was used to hire back about six furloughed staffers out of a total of roughly 50. According to Small Business Administration data, Starcity said it retained 42 jobs with its loan.\u003c/p>\n\u003cp>While his company may be able to raise some capital, Dishotsky said, PPP loans had another favorable feature: speed. Investments may take time to raise, but the PPP loan let them pay employees right away.\u003c/p>\n\u003cp>Todd David, director of the San Francisco Housing Action Coalition, said “it makes sense to me” why property management firms and housing developers would need PPP loans.\u003c/p>\n\u003cp>“There’s a huge dislocation in the lending market,” David said. “Projects they were counting on to bring in revenue got delayed and may have been delayed indefinitely, and they still have expenses to pay with employees.”\u003c/p>\n\u003cp>And to complaints that firms like Veritas with its massive property portfolio don’t need government help, David said “just because they manage assets of $3 billion doesn’t mean those assets are on their balance sheet.”\u003c/p>\n\u003ch3>Who Deserves a PPP Loan?\u003c/h3>\n\u003cp>Should big Bay Area property owners and developers have benefited from PPP loans? Debbie Nunez, a San Francisco native and Lowell High School graduate doesn’t think so.\u003c/p>\n\u003cp>For the last three decades she’s lived in a Sutter Street apartment building that Veritas bought about five years ago. She hasn’t had a particularly happy relationship with her new landlord, which launched what she’s certain was unnecessary construction inside her building. She filed an administrative appeal with the city to stop the construction, which Veritas critics say the company has used as a tactic to oust tenants from rent-controlled units.\u003c/p>\n\u003cp>With more than a dozen Veritas tenant activists, Nunez trooped to the Russian Hill home of Veritas CEO Yat-Pang Au one Sunday last month to read a letter demanding that the company distribute at least some of its $3.6 million PPP loan to small businesses that are struggling through the pandemic.\u003c/p>\n\u003cp>“Veritas does not qualify as a small business in need,” Nunez said. One sign of that, his tenants say: Au’s own personal wealth, estimated by Bloomberg \u003ca href=\"https://www.bloomberg.com/news/articles/2019-10-25/landlord-who-built-3-billion-san-francisco-empire-draws-fire#:~:text=He%20got%20the%20first%20taste,million%2C%20according%20to%20Bloomberg%20estimates.\">at more than $100 million\u003c/a>.\u003c/p>\n\u003cp>The Paycheck Protection Program was initially aimed at companies with 500 employees or fewer and later adjusted to include companies with more workers who met the federal definition of a “small business.” PPP loans can be forgiven if the recipients can prove the funds were used to keep employees on payrolls or for a limited set of other business needs.\u003c/p>\n\u003cfigure id=\"attachment_11832140\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11832140\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-800x632.jpg\" alt=\"\" width=\"800\" height=\"632\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-800x632.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-1020x806.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-160x126.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-1536x1214.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut.jpg 1920w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Debbie Nunez is fighting Veritas over construction in her multifamily apartment building. She claims the work is unnecessary. \u003ccite>(Courtesy Photo)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because many property management firms operate under “a very unique circumstance” — they have outsize assets and revenues but relatively few employees — they could easily meet that basic PPP requirement, despite the program being touted publicly as being aimed at small businesses.\u003c/p>\n\u003cp>JLL’s Alexander Quinn notes that the program’s primary goal was to get a lot of cash into the economy quickly.\u003c/p>\n\u003cp>“I think the PPP was mostly a shotgun approach. It wasn’t really about, you know, who is deserving, or who isn’t,” Quinn said. “Setting the rules was not as important as just the urgency of delivering the funds to private companies.”\u003c/p>\n\u003cp>“There really is no referee,” Quinn added. “So as a result, a lot of people were opportunistic.”\u003c/p>\n\u003ch3>A Limited Offer of Help, Then ‘Total Silence’\u003c/h3>\n\u003cp>As to how property firms that got PPP loans are behaving toward tenants, Quinn says some California companies have provided rental relief to tenants during the pandemic. Notably, on Thursday, San Francisco’s largest landlord – Veritas – offered 50% rent forgiveness for tenants between April and July, if they enter a repayment plan for the remaining rent.\u003c/p>\n\u003cp>But, Quinn noted, “others have not” offered rent relief, and what little has been offered has been extremely limited.\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Brianne Hodson\"]‘Every month we have this terrified waiting period of seeing whether the City Council and the Board of Supervisors will extend the [eviction] protections that are in place.’[/pullquote]Oakland tenants Ryan Furtkamp and Brianne Hodson say that their PPP recipient landlord, Mosser Companies, has offered some help — but not nearly enough.\u003c/p>\n\u003cp>Furtkamp and Hodson have organized with fellow tenants with the help of housing advocacy group Alliance of Californians for Community Empowerment, or ACCE.\u003c/p>\n\u003cp>At first, Mosser offered to give tenants up to six months to repay their back rent — an offer Furtkamp said is simply unaffordable for him and most of his neighbors.\u003c/p>\n\u003cp>“Since then, total silence in terms of willingness to work with tenants who haven’t been able to pay rent. What they have been doing though, is harassing tenants who haven’t been able to pay rent,” he said.\u003c/p>\n\u003cp>Notices began appearing outside apartments declaring them “abandoned” and warning that they would soon be entered by Mosser employees. Tours would be given for prospective new tenants.\u003c/p>\n\u003cp>But Furtkamp said the apartments have not been abandoned.\u003c/p>\n\u003cp>Some of those neighbors simply stopped paying rent, he says. They can’t be evicted at this point because Oakland, Alameda County and the state of California all have eviction moratoriums in place. In Furtkamp’s view, Mosser’s declaration of abandonment is sinister.\u003c/p>\n\u003cfigure id=\"attachment_11832143\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11832143\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut.jpg 1920w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A sign for Mosser, a property management company, at an apartment building in Oakland on July 23, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“We’ve had to email Mosser and be like, ‘Hey, this is a violation of the county health code that is ordering the shelter in place. Have you attempted to even make contact with this person to see if they’re still here?’ ” Furtkamp said.\u003c/p>\n\u003cp>In an email response from Mosser to Furtkamp and Hodson, the company said it was canceling the threatened property tours “due to resident concerns regarding visitors.”\u003c/p>\n\u003cp>Furtkamp says Mosser’s PPP loan could be a help — to neighborhood businesses that are struggling because of the pandemic.\u003c/p>\n\u003cp>“In our neighborhood alone, we’re seeing some bars and restaurants that just aren’t going to be able to survive, that have closed already,” Furtkamp said.\u003c/p>\n\u003cp>And soon, Furtkamp and Hodson say, they may have to leave the neighborhood, too.\u003c/p>\n\u003cp>“We know we’re renters,” Hodson said. “We don’t have assets. The eviction moratorium has been really essential to us staying afloat.”\u003c/p>\n\u003cp>“Every month we have this terrified waiting period of seeing whether the City Council and the Board of Supervisors will extend the protections that are in place,” she said.\u003c/p>\n\u003cp>Once the eviction moratoriums end, she said, they will have to make “very hard” decisions. Should they be ousted from their apartment, she said she doesn’t have answers on what they would do next.\u003c/p>\n\u003cp>“I think about it every day,” Hodson said.\u003c/p>\n\u003cp>\u003ci data-stringify-type=\"italic\">Editor’s note: KQED is among the local businesses and media organizations that have received a PPP loan. This helps us continue to provide essential information and service to our audiences during the COVID-19 pandemic. \u003c/i>\u003c/p>\n\u003cp>Correction: This story originally reported that San Francisco’s Grosvenor Properties, which received a Paycheck Protection Program loan, owns buildings in Japan, France and China. In fact, it’s a separate company, Grosvenor Americas, which did not receive a PPP loan, that owns those overseas properties.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>This story contains a correction. \u003c/em>\u003c/p>\n\u003cp>Ryan Furtkamp and Brianne Hodson are counting down the days until local eviction moratoriums end, fearing what comes next.\u003c/p>\n\u003cp>Furtkamp, 32, and Hodson, 35, are married and live in Oakland, just north of downtown, and say they moved to the city for its diversity and progressive politics.\u003c/p>\n\u003cp>Furtkamp, who hails from Phoenix, works at UC Berkeley in communications. Hodson, who moved up from Los Angeles after high school, built her own successful dog-walking business.\u003c/p>\n\u003cp>Their combined incomes paid their $2,275 monthly rent — until the pandemic wiped out Hodson’s business. As clients dropped off, her income fell.\u003c/p>\n\u003cp>Hodson has gotten benefits from the federal Pandemic Unemployment Assistance program, but not enough to help them make rent, which they haven’t paid since April. The couple and other tenants in their 39-unit building say they plan to try to negotiate rent forgiveness with their landlord, San Francisco-based Mosser Companies. They say the only thing keeping them housed now is Oakland’s eviction moratorium.\u003c/p>\n\u003cp>“Despite the relief, there’s no way we would be able to afford rent right now,” Hodson said recently.\u003c/p>\n\u003cp>But federal pandemic assistance came through in a big way for their landlord.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Government records show Mosser Companies received a loan of between $2 million and $5 million under the Paycheck Protection Program, passed by Congress in March to help small businesses avoid layoffs during the pandemic. The data, posted last month by the federal Small Business Administration, shows loan amounts in broad ranges, not specific amounts.\u003c/p>\n\u003cp>The company’s property management arm, Mosser Living, offers rental units in 55 properties across San Francisco, 20 properties in Oakland and eight properties in Los Angeles, promising a “blend” of “vintage with modern upgrades in all the right places, striking the perfect balance between authentic and awesome.”\u003c/p>\n\u003cp>“We call this Mosser Living. You’ll call it ‘home,’ ” the company’s website says.\u003c/p>\n\u003cp>Furtkamp says the thought that federal assistance has been unable to help him and his wife meet their rent while Mosser got millions in federal support makes him furious.\u003c/p>\n\u003cp>“For them to take advantage of a program like this that’s intended for small business — that doesn’t have access to capital in the way that they do — it’s just kind of insulting that they would abuse the program in that way,” Furtkamp said.\u003c/p>\n\u003cp>Mosser Companies did not respond to repeated requests for comment on its loan and its response to tenants in Furtkamp’s building.\u003c/p>\n\u003cp>Mosser is just one of several large Bay Area property and development firms that scored PPP loans.\u003c/p>\n\u003cp>Among companies identified for KQED by tenant advocates and industry sources are some of the region’s biggest landlords. They include:\u003c/p>\n\u003cul>\n\u003cli style=\"list-style-type: none\">\n\u003cul>\n\u003cli>Emerald Fund, developer of 37 projects with more than 5,000 housing units, received a loan of between $1 and $3.5 million\u003c/li>\n\u003cli>Maximus Real Estate Partners, which manages San Francisco’s Parkmerced, got a loan of $2 million to $5 million\u003c/li>\n\u003cli>Reliant Group Management, which manages 23 properties in the Bay Area and more than 70 in the United States, received between $1 million and $3.5 million\u003c/li>\n\u003cli>Grosvenor Properties, which manages four properties in San Francisco, got between $1 million and $3.5 million\u003c/li>\n\u003cli>Woodmont Real Estate Services, which owns roughly 80 multifamily properties across California, received between $5 million and $10 million\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003c/ul>\n\u003ch3>Deep Pockets — and Big Loans\u003c/h3>\n\u003cp>The news comes on the heels of public outcry over a $3.6 million PPP loan \u003ca href=\"https://www.kqed.org/coronavirusliveupdates/news/11818912/after-pelosi-pressure-sf-biggest-landlord-veritas-says-they-will-repay-loan\">granted to Veritas Investments\u003c/a>. San Francisco’s biggest landlord, the company owns and operates more than 250 apartment buildings in the city and has $3 billion in assets.\u003c/p>\n\u003cp>The loans have received negative attention in part because of some companies’ poor reputations with tenants and community groups.\u003c/p>\n\u003cp>Some firms on the list, such as Veritas, have been criticized in the past for allegedly trying to push tenants out of rent-controlled buildings. Others, such as Maximus, have been the target of community anger \u003ca href=\"https://www.kqed.org/news/10984844/the-monster-is-back-updated-proposal-for-project-at-16th-and-mission\">for proposing projects that could gentrify neighborhoods and displace longtime residents\u003c/a>.\u003c/p>\n\u003cp>Politicians, pundits, housing rights activists and those renting from these corporate landlords also argue that the loan recipients are too big and too wealthy to need government help.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://flo.uri.sh/visualisation/3374695/embed\" frameborder=\"0\" scrolling=\"no\" style=\"width:100%;height:600px;\" width=\"100%\" height=\"500\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cdiv style=\"width: 100%!;margin-top: 4px!important;text-align: right!important\">\u003ca class=\"flourish-credit\" style=\"text-decoration: none!important\" href=\"https://public.flourish.studio/visualisation/3374695/?utm_source=embed&utm_campaign=visualisation/3374695\" target=\"_top\" rel=\"noopener noreferrer\">\u003cimg decoding=\"async\" style=\"width: 105px!important;height: 16px!important;border: none!important;margin: 0!important\" src=\"https://public.flourish.studio/resources/made_with_flourish.svg\" alt=\"Made with Flourish\">\u003c/a>\u003c/div>\n\u003cp>Mosser Companies, for instance, includes Mosser Capital, which offers real estate investment opportunities and boasts $1.3 billion in assets.\u003c/p>\n\u003cp>Other local firms that got PPP loans illustrate the massive amounts of capital that property firms are dealing in as they buy, sell and invest in Bay Area real estate.\u003c/p>\n\u003cp>Starcity Properties, which received a loan of between $1 and $2 million, owns seven buildings in San Francisco and two in Oakland. It has offered properties on the market for as much as $30 million and sold properties for $11 million and $16 million, according to filings with the federal Securities and Exchange Commission.\u003c/p>\n\u003cp>Ballast Investments, which received a PPP loan between $1 and $2 million, manages $97 million in assets, according to its SEC filings, with custody of $38 million across 78 clients.\u003c/p>\n\u003ch3>A Tough Borrowing Environment for Property Managers?\u003c/h3>\n\u003cp>But those working in the real estate industry say some of these wealthy-looking firms may need the short-term help the PPP loans can provide.\u003c/p>\n\u003cp>Alexander Quinn, director of research for Northern California at real estate services firm JLL, says big property owners typically have access to what’s often called “dry powder” — buildings in their portfolio that can be refinanced to raise cash reserves.\u003c/p>\n\u003cp>“Now, some of them pulled some of that out, put it into cash, but a lot of them didn’t,” Quinn said. But if they didn’t, borrowing has become more complicated.\u003c/p>\n\u003cp>“If you were, say, saying, ‘Oh, I need to pull out cash to shore up my cash flow for the next six months,’ it’d be a very difficult thing to do right now,” he said. That’s because it is “really hard to refinance in this market,” Quinn said.\u003c/p>\n\u003cp>One reason banks would be reluctant to refinance is that borrowers might not have a reliable flow of rent payments because so many tenants have lost income.\u003c/p>\n\u003cp>But Quinn said that the vast majority of tenants have kept up with rent payments so far.\u003c/p>\n\u003cp>“Rent payments, rent collections have been pretty good until July,” Quinn said. “We saw roughly over 95% of all renters paying their rent” nationally.\u003c/p>\n\u003cp>And, Quinn added, who is vulnerable depends on when you bought your properties. Those with older properties are less likely to be cash-strapped, whereas those with new developments may face a harder road.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Starcity Properties CEO Jon Dishotsky said that the availability of capital, including cash to meet payroll, has changed dramatically since the pandemic began.\u003c/p>\n\u003cp>“Out of a hundred people I normally talk to for capital … 30 write a term sheet in a normal environment, and I get down to three or five (funders) at the end of the day,” he said. “Now, out of a hundred people, five pick up the phone. And one writes a term sheet.”\u003c/p>\n\u003cp>The company, which builds “co-living” apartment units meant to appeal to younger tenants, took out a $1.2 million PPP loan.\u003c/p>\n\u003cp>That amount pales in comparison to the hundreds of millions it needs to build its projects, but Dishotsky says it’s helped the company get through the past few months.\u003c/p>\n\u003cp>“Our corporate entity certainly could have run into a lot of trouble” without the PPP loan, which he said was used to hire back about six furloughed staffers out of a total of roughly 50. According to Small Business Administration data, Starcity said it retained 42 jobs with its loan.\u003c/p>\n\u003cp>While his company may be able to raise some capital, Dishotsky said, PPP loans had another favorable feature: speed. Investments may take time to raise, but the PPP loan let them pay employees right away.\u003c/p>\n\u003cp>Todd David, director of the San Francisco Housing Action Coalition, said “it makes sense to me” why property management firms and housing developers would need PPP loans.\u003c/p>\n\u003cp>“There’s a huge dislocation in the lending market,” David said. “Projects they were counting on to bring in revenue got delayed and may have been delayed indefinitely, and they still have expenses to pay with employees.”\u003c/p>\n\u003cp>And to complaints that firms like Veritas with its massive property portfolio don’t need government help, David said “just because they manage assets of $3 billion doesn’t mean those assets are on their balance sheet.”\u003c/p>\n\u003ch3>Who Deserves a PPP Loan?\u003c/h3>\n\u003cp>Should big Bay Area property owners and developers have benefited from PPP loans? Debbie Nunez, a San Francisco native and Lowell High School graduate doesn’t think so.\u003c/p>\n\u003cp>For the last three decades she’s lived in a Sutter Street apartment building that Veritas bought about five years ago. She hasn’t had a particularly happy relationship with her new landlord, which launched what she’s certain was unnecessary construction inside her building. She filed an administrative appeal with the city to stop the construction, which Veritas critics say the company has used as a tactic to oust tenants from rent-controlled units.\u003c/p>\n\u003cp>With more than a dozen Veritas tenant activists, Nunez trooped to the Russian Hill home of Veritas CEO Yat-Pang Au one Sunday last month to read a letter demanding that the company distribute at least some of its $3.6 million PPP loan to small businesses that are struggling through the pandemic.\u003c/p>\n\u003cp>“Veritas does not qualify as a small business in need,” Nunez said. One sign of that, his tenants say: Au’s own personal wealth, estimated by Bloomberg \u003ca href=\"https://www.bloomberg.com/news/articles/2019-10-25/landlord-who-built-3-billion-san-francisco-empire-draws-fire#:~:text=He%20got%20the%20first%20taste,million%2C%20according%20to%20Bloomberg%20estimates.\">at more than $100 million\u003c/a>.\u003c/p>\n\u003cp>The Paycheck Protection Program was initially aimed at companies with 500 employees or fewer and later adjusted to include companies with more workers who met the federal definition of a “small business.” PPP loans can be forgiven if the recipients can prove the funds were used to keep employees on payrolls or for a limited set of other business needs.\u003c/p>\n\u003cfigure id=\"attachment_11832140\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11832140\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-800x632.jpg\" alt=\"\" width=\"800\" height=\"632\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-800x632.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-1020x806.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-160x126.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut-1536x1214.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44228_002_KQED_IMG_4556-qut.jpg 1920w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Debbie Nunez is fighting Veritas over construction in her multifamily apartment building. She claims the work is unnecessary. \u003ccite>(Courtesy Photo)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because many property management firms operate under “a very unique circumstance” — they have outsize assets and revenues but relatively few employees — they could easily meet that basic PPP requirement, despite the program being touted publicly as being aimed at small businesses.\u003c/p>\n\u003cp>JLL’s Alexander Quinn notes that the program’s primary goal was to get a lot of cash into the economy quickly.\u003c/p>\n\u003cp>“I think the PPP was mostly a shotgun approach. It wasn’t really about, you know, who is deserving, or who isn’t,” Quinn said. “Setting the rules was not as important as just the urgency of delivering the funds to private companies.”\u003c/p>\n\u003cp>“There really is no referee,” Quinn added. “So as a result, a lot of people were opportunistic.”\u003c/p>\n\u003ch3>A Limited Offer of Help, Then ‘Total Silence’\u003c/h3>\n\u003cp>As to how property firms that got PPP loans are behaving toward tenants, Quinn says some California companies have provided rental relief to tenants during the pandemic. Notably, on Thursday, San Francisco’s largest landlord – Veritas – offered 50% rent forgiveness for tenants between April and July, if they enter a repayment plan for the remaining rent.\u003c/p>\n\u003cp>But, Quinn noted, “others have not” offered rent relief, and what little has been offered has been extremely limited.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "‘Every month we have this terrified waiting period of seeing whether the City Council and the Board of Supervisors will extend the [eviction] protections that are in place.’",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Oakland tenants Ryan Furtkamp and Brianne Hodson say that their PPP recipient landlord, Mosser Companies, has offered some help — but not nearly enough.\u003c/p>\n\u003cp>Furtkamp and Hodson have organized with fellow tenants with the help of housing advocacy group Alliance of Californians for Community Empowerment, or ACCE.\u003c/p>\n\u003cp>At first, Mosser offered to give tenants up to six months to repay their back rent — an offer Furtkamp said is simply unaffordable for him and most of his neighbors.\u003c/p>\n\u003cp>“Since then, total silence in terms of willingness to work with tenants who haven’t been able to pay rent. What they have been doing though, is harassing tenants who haven’t been able to pay rent,” he said.\u003c/p>\n\u003cp>Notices began appearing outside apartments declaring them “abandoned” and warning that they would soon be entered by Mosser employees. Tours would be given for prospective new tenants.\u003c/p>\n\u003cp>But Furtkamp said the apartments have not been abandoned.\u003c/p>\n\u003cp>Some of those neighbors simply stopped paying rent, he says. They can’t be evicted at this point because Oakland, Alameda County and the state of California all have eviction moratoriums in place. In Furtkamp’s view, Mosser’s declaration of abandonment is sinister.\u003c/p>\n\u003cfigure id=\"attachment_11832143\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11832143\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/RS44064_007_KQED_Oakland_MosserPropertyManagement_07232020-qut.jpg 1920w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A sign for Mosser, a property management company, at an apartment building in Oakland on July 23, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“We’ve had to email Mosser and be like, ‘Hey, this is a violation of the county health code that is ordering the shelter in place. Have you attempted to even make contact with this person to see if they’re still here?’ ” Furtkamp said.\u003c/p>\n\u003cp>In an email response from Mosser to Furtkamp and Hodson, the company said it was canceling the threatened property tours “due to resident concerns regarding visitors.”\u003c/p>\n\u003cp>Furtkamp says Mosser’s PPP loan could be a help — to neighborhood businesses that are struggling because of the pandemic.\u003c/p>\n\u003cp>“In our neighborhood alone, we’re seeing some bars and restaurants that just aren’t going to be able to survive, that have closed already,” Furtkamp said.\u003c/p>\n\u003cp>And soon, Furtkamp and Hodson say, they may have to leave the neighborhood, too.\u003c/p>\n\u003cp>“We know we’re renters,” Hodson said. “We don’t have assets. The eviction moratorium has been really essential to us staying afloat.”\u003c/p>\n\u003cp>“Every month we have this terrified waiting period of seeing whether the City Council and the Board of Supervisors will extend the protections that are in place,” she said.\u003c/p>\n\u003cp>Once the eviction moratoriums end, she said, they will have to make “very hard” decisions. Should they be ousted from their apartment, she said she doesn’t have answers on what they would do next.\u003c/p>\n\u003cp>“I think about it every day,” Hodson said.\u003c/p>\n\u003cp>\u003ci data-stringify-type=\"italic\">Editor’s note: KQED is among the local businesses and media organizations that have received a PPP loan. This helps us continue to provide essential information and service to our audiences during the COVID-19 pandemic. \u003c/i>\u003c/p>\n\u003cp>Correction: This story originally reported that San Francisco’s Grosvenor Properties, which received a Paycheck Protection Program loan, owns buildings in Japan, France and China. In fact, it’s a separate company, Grosvenor Americas, which did not receive a PPP loan, that owns those overseas properties.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"disqusTitle": "Working Full Time for Unemployment: One Man's Months-Long Struggle for His Benefits",
"title": "Working Full Time for Unemployment: One Man's Months-Long Struggle for His Benefits",
"headTitle": "The California Report | KQED News",
"content": "\u003cp>Antonio Rael has California’s Employment Development Department (EDD) on speed dial, but he knows the numbers and call-in process by heart anyway.\u003c/p>\n\u003cp>EDD is one of the state’s largest departments, and oversees all unemployment claims for Californians. [pullquote size='medium' align='right' citation='Antonio Rael']'I even know, like the codes: You press ‘1, 6, 7, 3’ to get through. You put in your Social Security Number, press ‘1’. And ... now they have it where it just hangs up on you. ‘Sorry, we can't help you’ — After you’ve done all that.'[/pullquote]\u003c/p>\n\u003cp>“I even know, like the codes: you press 1, 6, 7, 3 to get through,\" Rael said. \"You put in your Social Security Number, press 1. And ... now they have it where it just hangs up on you. ‘Sorry, we can't help you’ — After you’ve done all that.”\u003c/p>\n\u003cp>Rael's had plenty of time to internalize the information. Since the pandemic started, he says he’s called EDD around 5,600 times.\u003c/p>\n\u003cp>He finally got through last week to a representative who could re-certify his application. But, until then, Rael’s was just another of the \u003ca href=\"https://www.latimes.com/california/story/2020-07-30/edd-california-unemployment-agency-hearing-complaints\" target=\"_blank\" rel=\"noopener noreferrer\">at least 1 million claims\u003c/a> in EDD’s processing backlog, which has left thousands of Californians without the benefits they're entitled to, and has drawn criticism from multiple state officials.\u003c/p>\n\u003cp>Even though unemployment applicants must confirm they are looking for work (as long as they’re not too sick) to be eligible for benefits, in Rael’s case he had to make a full-time job out of pursuing his payments.\u003c/p>\n\u003ch3>‘Just Starting to Get My Mojo Back’\u003c/h3>\n\u003cp>Rael is 56 and lives in West Hollywood. He normally works as a makeup artist and TV stand-in. In the last five years he’s survived cancer and a heart attack, he said. He’d just gotten back into a routine with work in July 2019.\u003c/p>\n\u003cfigure id=\"attachment_11831908\" class=\"wp-caption alignright\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11831908\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-800x800.jpeg\" alt=\"Antonio Rael during one of many hospital visits in the last few years.\" width=\"800\" height=\"800\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-800x800.jpeg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1020x1020.jpeg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-160x160.jpeg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1536x1536.jpeg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-2048x2048.jpeg 2048w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1920x1920.jpeg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1472x1472.jpeg 1472w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1104x1104.jpeg 1104w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-912x912.jpeg 912w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-550x550.jpeg 550w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-470x470.jpeg 470w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Antonio Rael during one of many hospital visits in the last few years.\u003c/figcaption>\u003c/figure>\n\u003cp>“I was starting to get, you know, my mojo back. And, you know, I was trying to get on top of my bills because the cancer had bankrupt me pretty much,” Rael explained.\u003c/p>\n\u003cp>Then the pandemic hit. Rael applied for regular unemployment benefits, but EDD said he wasn’t eligible.\u003c/p>\n\u003cp>“I guess because I had cancer, I hadn't put in enough time,” Rael said. “They go 18 months previous, and I was sick. So they said that I didn't have enough hours to qualify.”\u003c/p>\n\u003cp>Since Rael is an independent contractor, his situation was even more complicated. The CARES Act \u003ca href=\"https://www.feinstein.senate.gov/public/index.cfm/press-releases?ID=91191FD9-9ECF-448E-B533-BF257066CBD0\" target=\"_blank\" rel=\"noopener noreferrer\">did make pandemic assistance available to unemployed freelancers\u003c/a> starting at the end of April. But, even though he was eligible, it took Rael more than 3,600 calls over the course of 10 weeks to get eight weeks’ worth of pandemic assistance back-paid.\u003c/p>\n\u003ch3>Hurry Up and Wait: Grappling with Re-certification\u003c/h3>\n\u003cp>But just because Rael was approved didn’t mean the trouble with EDD was over. He, along with many other unemployment recipients, hit roadblocks when they tried to re-certify their unemployment — which they’re required to do every two weeks.\u003c/p>\n\u003cp>\u003ca href=\"https://sacramento.cbslocal.com/2020/04/15/edd-confusing-unemployment-question-clarified/\" target=\"_blank\" rel=\"noopener noreferrer\">Since the first months of the pandemic\u003c/a>, EDD has acknowledged that certain qualifying questions on its forms are confusing.\u003c/p>\n\u003cp>And, according to EDD spokesperson Loree Levy, one of the questions on the re-certification form is still stymieing applicants: “Question number two asks, ‘Was there any reason other than sickness or injury where you couldn't accept a job offer?’ And a lot of people say ‘yes.’ ”\u003c/p>\n\u003cp>But answering \"yes,\" according to Levy, disqualifies the application in question.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation='Loree Levy, EDD spokesperson']'You've got to remain able and available to accept that job if it were offered. It may not be out there right now, but if the job were offered, you’d be ready to take that job. And that's what we have to look for and what we're required to look for in order to pay you benefits'[/pullquote]\u003c/p>\n\u003cp>People are likely answering \"yes\" because they work in fields where opportunity is very limited right now due to the pandemic, and they don’t think there are any jobs to be had. So in their minds, there is another reason: COVID-19.\u003c/p>\n\u003cp>“You've got to remain able and available to accept that job if it were offered. It may not be out there right now, but if the job were offered, you’d be ready to take that job. And that's what we have to look for and what we're required to look for in order to pay you benefits,” Levy said.\u003c/p>\n\u003cp>Rael said he only figured out he was supposed to answer \"no” after he finally reached a representative who was willing to walk him through the form, question by question. They were on the phone for at least an hour and a half, he said.\u003c/p>\n\u003cp>When applicants make mistakes on their forms, the forms aren’t processed. And when forms aren’t processed, people don’t get their benefits until the application is updated. That’s what happened to Rael.\u003c/p>\n\u003ch3>EDD: 'Staffing Isn't the Issue'\u003c/h3>\n\u003cp>The one key obstacle to getting his benefits approved and re-certified, according to Rael, was that the EDD workers who had the most direct access to update his application only worked morning hours.\u003c/p>\n\u003cp>“Those are the only people that can really change your account unless they call you back for an appointment,” he said.\u003c/p>\n\u003cp>https://twitter.com/EmEffHarvin/status/1291177491068002306?s=20\u003c/p>\n\u003cp>Levy confirmed that the more complicated questions are reserved for certain early shift workers.\u003c/p>\n\u003cp>“The more experienced representatives we have that require about six months of training, they are the ones that we try to reserve to be able to actually take claims over the phone in the mornings and then they process claims in the afternoon so that we don't get behind on payments.”\u003c/p>\n\u003cp>For Rael to get re-certified, it took more than 2,000 calls and hours on the phone with seven different representatives. He says he also got some assistance from Assemblymember Richard Bloom, D-Santa Monica, and encourages others who feel lost in the process to reach out to their representatives if they haven’t.\u003c/p>\n\u003cp>In his more than 5,000 calls, Rael said the workers he reached outside of the 8 a.m.-noon block and his individually scheduled phone appointments could only communicate basic information that could have just as easily been shared on a taped recording.\u003c/p>\n\u003cp>EDD is in the process of hiring \u003ca href=\"http://www.oesnews.com/california-workers-struggling-through-pandemic-receive-41-3-billion-in-unemployment-benefits/\" target=\"_blank\" rel=\"noopener noreferrer\">more than 5,000 new workers\u003c/a>. But, according to Levy, the issue isn’t too few workers in the mornings. It’s other people calling in when they could find answers online. She said the agency has a triage system to expedite the efficiency of processing claims, but it’s not working because the lines are tied up.\u003c/p>\n\u003cp>“I talk to a lot of people who have spent so much time trying to get through on the phone lines,” Levy said. “And when I get their question, it was easily answered just by looking at those \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm\" target=\"_blank\" rel=\"noopener noreferrer\">top FAQs\u003c/a> that we change up every week based on what we're hearing from customers.”\u003c/p>\n\u003cp>https://twitter.com/EmEffHarvin/status/1291177508688343043?s=20\u003c/p>\n\u003cp>Levy thinks if Californians started taking the time to consult the FAQs instead of tying up the phone lines with simple questions the people who need more specific answers would be able to reach the representatives who can help them more easily.\u003c/p>\n\u003cp>But Rael disagrees with Levy’s characterization of many of the people calling. A lot of the guidance that was most helpful to Rael he got off social media. And it’s clear to him from the \u003ca href=\"https://www.facebook.com/groups/583459392371625\">online worker forums\u003c/a> that he participates in that people \u003cem>are\u003c/em> consulting the digital resources.\u003c/p>\n\u003cp>“I know people that have called over 10,000 times, and they still don’t have their money,” Rael said. [ad fullwidth]\u003c/p>\n\u003ch3>A Million More Like Rael\u003c/h3>\n\u003cp>Rael is now figuring out paying off the debts that piled up while he was waiting for EDD to process his claim. Now that he isn’t spending all of his time trying to secure his unemployment, he’s putting together online art classes to post on YouTube and Udemy for kids stuck at home right now.\u003c/p>\n\u003cp>\u003ca href=\"https://www.mercurynews.com/2020/08/03/coronavirus-unemployment-1-million-california-workers-edd-payment-trap/\" target=\"_blank\" rel=\"noopener noreferrer\">New reports\u003c/a> show the breakdown of the current unemployment claims in EDD’s backlog: 889,000 workers who “may be eligible with additional information” and 239,000 worker with claims “pending EDD resolution.”\u003c/p>\n\u003cp>Rael’s experience gives ominous context to the likelihood they’ll be processed anytime soon. However, Gov. Gavin Newsom last week \u003ca href=\"https://www.gov.ca.gov/2020/07/29/governor-newsom-takes-action-to-strengthen-state-unemployment-insurance-delivery-system/\" target=\"_blank\" rel=\"noopener noreferrer\">announced a strike team\u003c/a> tasked with revamping the department’s dated digital presence. He also promised to streamline communications with applicants who’ve yet to get payments.\u003c/p>\n\u003cp>https://twitter.com/DavidChiu/status/1275456972876181509\u003c/p>\n\u003cp>The Assembly budget subcommittee also recently held an oversight hearing to look at processes at EDD. Assemblymember David Chiu, D-San Francisco, who’s been critical of the agency, said in a statement that he’s glad the governor’s taking notice of the issues, but that the efforts he’s announced will “only scratch the surface of the disaster that is EDD.”\u003c/p>\n\u003cp>\u003cem>Developments and guidance on how to file for unemployment insurance has been changing rapidly. For additional support, please refer to \u003ca href=\"https://www.kqed.org/news/11806938/how-to-file-for-unemployment-in-california-during-the-coronavirus-pandemic\" target=\"_blank\" rel=\"noopener noreferrer\">KQED's guide\u003c/a>, the official \u003ca href=\"http://edd.ca.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">EDD website\u003c/a>, the \u003ca href=\"https://www.facebook.com/groups/3296311573733137\" target=\"_blank\" rel=\"noopener noreferrer\">Unofficial CA unemployment help public group on Facebook\u003c/a> or this resource \u003ca href=\"https://www.kqed.org/news/11820299/applying-for-unemployment-in-california-unofficial-facebook-group-creates-help-website\" target=\"_blank\" rel=\"noopener noreferrer\">created by volunteers\u003c/a>. \u003c/em>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"excerpt": "Delays at the state Employment Development Department has left thousands Californians without the benefits they're entitled to, and has drawn criticism from multiple state officials.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Antonio Rael has California’s Employment Development Department (EDD) on speed dial, but he knows the numbers and call-in process by heart anyway.\u003c/p>\n\u003cp>EDD is one of the state’s largest departments, and oversees all unemployment claims for Californians. \u003c/p>\u003c/div>",
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"content": "'I even know, like the codes: You press ‘1, 6, 7, 3’ to get through. You put in your Social Security Number, press ‘1’. And ... now they have it where it just hangs up on you. ‘Sorry, we can't help you’ — After you’ve done all that.'",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“I even know, like the codes: you press 1, 6, 7, 3 to get through,\" Rael said. \"You put in your Social Security Number, press 1. And ... now they have it where it just hangs up on you. ‘Sorry, we can't help you’ — After you’ve done all that.”\u003c/p>\n\u003cp>Rael's had plenty of time to internalize the information. Since the pandemic started, he says he’s called EDD around 5,600 times.\u003c/p>\n\u003cp>He finally got through last week to a representative who could re-certify his application. But, until then, Rael’s was just another of the \u003ca href=\"https://www.latimes.com/california/story/2020-07-30/edd-california-unemployment-agency-hearing-complaints\" target=\"_blank\" rel=\"noopener noreferrer\">at least 1 million claims\u003c/a> in EDD’s processing backlog, which has left thousands of Californians without the benefits they're entitled to, and has drawn criticism from multiple state officials.\u003c/p>\n\u003cp>Even though unemployment applicants must confirm they are looking for work (as long as they’re not too sick) to be eligible for benefits, in Rael’s case he had to make a full-time job out of pursuing his payments.\u003c/p>\n\u003ch3>‘Just Starting to Get My Mojo Back’\u003c/h3>\n\u003cp>Rael is 56 and lives in West Hollywood. He normally works as a makeup artist and TV stand-in. In the last five years he’s survived cancer and a heart attack, he said. He’d just gotten back into a routine with work in July 2019.\u003c/p>\n\u003cfigure id=\"attachment_11831908\" class=\"wp-caption alignright\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11831908\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-800x800.jpeg\" alt=\"Antonio Rael during one of many hospital visits in the last few years.\" width=\"800\" height=\"800\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-800x800.jpeg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1020x1020.jpeg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-160x160.jpeg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1536x1536.jpeg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-2048x2048.jpeg 2048w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1920x1920.jpeg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1472x1472.jpeg 1472w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-1104x1104.jpeg 1104w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-912x912.jpeg 912w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-550x550.jpeg 550w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/97FABE7B-D40F-4DEE-8DDD-0A7C17DEA49D-470x470.jpeg 470w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Antonio Rael during one of many hospital visits in the last few years.\u003c/figcaption>\u003c/figure>\n\u003cp>“I was starting to get, you know, my mojo back. And, you know, I was trying to get on top of my bills because the cancer had bankrupt me pretty much,” Rael explained.\u003c/p>\n\u003cp>Then the pandemic hit. Rael applied for regular unemployment benefits, but EDD said he wasn’t eligible.\u003c/p>\n\u003cp>“I guess because I had cancer, I hadn't put in enough time,” Rael said. “They go 18 months previous, and I was sick. So they said that I didn't have enough hours to qualify.”\u003c/p>\n\u003cp>Since Rael is an independent contractor, his situation was even more complicated. The CARES Act \u003ca href=\"https://www.feinstein.senate.gov/public/index.cfm/press-releases?ID=91191FD9-9ECF-448E-B533-BF257066CBD0\" target=\"_blank\" rel=\"noopener noreferrer\">did make pandemic assistance available to unemployed freelancers\u003c/a> starting at the end of April. But, even though he was eligible, it took Rael more than 3,600 calls over the course of 10 weeks to get eight weeks’ worth of pandemic assistance back-paid.\u003c/p>\n\u003ch3>Hurry Up and Wait: Grappling with Re-certification\u003c/h3>\n\u003cp>But just because Rael was approved didn’t mean the trouble with EDD was over. He, along with many other unemployment recipients, hit roadblocks when they tried to re-certify their unemployment — which they’re required to do every two weeks.\u003c/p>\n\u003cp>\u003ca href=\"https://sacramento.cbslocal.com/2020/04/15/edd-confusing-unemployment-question-clarified/\" target=\"_blank\" rel=\"noopener noreferrer\">Since the first months of the pandemic\u003c/a>, EDD has acknowledged that certain qualifying questions on its forms are confusing.\u003c/p>\n\u003cp>And, according to EDD spokesperson Loree Levy, one of the questions on the re-certification form is still stymieing applicants: “Question number two asks, ‘Was there any reason other than sickness or injury where you couldn't accept a job offer?’ And a lot of people say ‘yes.’ ”\u003c/p>\n\u003cp>But answering \"yes,\" according to Levy, disqualifies the application in question.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>People are likely answering \"yes\" because they work in fields where opportunity is very limited right now due to the pandemic, and they don’t think there are any jobs to be had. So in their minds, there is another reason: COVID-19.\u003c/p>\n\u003cp>“You've got to remain able and available to accept that job if it were offered. It may not be out there right now, but if the job were offered, you’d be ready to take that job. And that's what we have to look for and what we're required to look for in order to pay you benefits,” Levy said.\u003c/p>\n\u003cp>Rael said he only figured out he was supposed to answer \"no” after he finally reached a representative who was willing to walk him through the form, question by question. They were on the phone for at least an hour and a half, he said.\u003c/p>\n\u003cp>When applicants make mistakes on their forms, the forms aren’t processed. And when forms aren’t processed, people don’t get their benefits until the application is updated. That’s what happened to Rael.\u003c/p>\n\u003ch3>EDD: 'Staffing Isn't the Issue'\u003c/h3>\n\u003cp>The one key obstacle to getting his benefits approved and re-certified, according to Rael, was that the EDD workers who had the most direct access to update his application only worked morning hours.\u003c/p>\n\u003cp>“Those are the only people that can really change your account unless they call you back for an appointment,” he said.\u003c/p>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>Levy confirmed that the more complicated questions are reserved for certain early shift workers.\u003c/p>\n\u003cp>“The more experienced representatives we have that require about six months of training, they are the ones that we try to reserve to be able to actually take claims over the phone in the mornings and then they process claims in the afternoon so that we don't get behind on payments.”\u003c/p>\n\u003cp>For Rael to get re-certified, it took more than 2,000 calls and hours on the phone with seven different representatives. He says he also got some assistance from Assemblymember Richard Bloom, D-Santa Monica, and encourages others who feel lost in the process to reach out to their representatives if they haven’t.\u003c/p>\n\u003cp>In his more than 5,000 calls, Rael said the workers he reached outside of the 8 a.m.-noon block and his individually scheduled phone appointments could only communicate basic information that could have just as easily been shared on a taped recording.\u003c/p>\n\u003cp>EDD is in the process of hiring \u003ca href=\"http://www.oesnews.com/california-workers-struggling-through-pandemic-receive-41-3-billion-in-unemployment-benefits/\" target=\"_blank\" rel=\"noopener noreferrer\">more than 5,000 new workers\u003c/a>. But, according to Levy, the issue isn’t too few workers in the mornings. It’s other people calling in when they could find answers online. She said the agency has a triage system to expedite the efficiency of processing claims, but it’s not working because the lines are tied up.\u003c/p>\n\u003cp>“I talk to a lot of people who have spent so much time trying to get through on the phone lines,” Levy said. “And when I get their question, it was easily answered just by looking at those \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm\" target=\"_blank\" rel=\"noopener noreferrer\">top FAQs\u003c/a> that we change up every week based on what we're hearing from customers.”\u003c/p>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>Levy thinks if Californians started taking the time to consult the FAQs instead of tying up the phone lines with simple questions the people who need more specific answers would be able to reach the representatives who can help them more easily.\u003c/p>\n\u003cp>But Rael disagrees with Levy’s characterization of many of the people calling. A lot of the guidance that was most helpful to Rael he got off social media. And it’s clear to him from the \u003ca href=\"https://www.facebook.com/groups/583459392371625\">online worker forums\u003c/a> that he participates in that people \u003cem>are\u003c/em> consulting the digital resources.\u003c/p>\n\u003cp>“I know people that have called over 10,000 times, and they still don’t have their money,” Rael said. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch3>A Million More Like Rael\u003c/h3>\n\u003cp>Rael is now figuring out paying off the debts that piled up while he was waiting for EDD to process his claim. Now that he isn’t spending all of his time trying to secure his unemployment, he’s putting together online art classes to post on YouTube and Udemy for kids stuck at home right now.\u003c/p>\n\u003cp>\u003ca href=\"https://www.mercurynews.com/2020/08/03/coronavirus-unemployment-1-million-california-workers-edd-payment-trap/\" target=\"_blank\" rel=\"noopener noreferrer\">New reports\u003c/a> show the breakdown of the current unemployment claims in EDD’s backlog: 889,000 workers who “may be eligible with additional information” and 239,000 worker with claims “pending EDD resolution.”\u003c/p>\n\u003cp>Rael’s experience gives ominous context to the likelihood they’ll be processed anytime soon. However, Gov. Gavin Newsom last week \u003ca href=\"https://www.gov.ca.gov/2020/07/29/governor-newsom-takes-action-to-strengthen-state-unemployment-insurance-delivery-system/\" target=\"_blank\" rel=\"noopener noreferrer\">announced a strike team\u003c/a> tasked with revamping the department’s dated digital presence. He also promised to streamline communications with applicants who’ve yet to get payments.\u003c/p>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>The Assembly budget subcommittee also recently held an oversight hearing to look at processes at EDD. Assemblymember David Chiu, D-San Francisco, who’s been critical of the agency, said in a statement that he’s glad the governor’s taking notice of the issues, but that the efforts he’s announced will “only scratch the surface of the disaster that is EDD.”\u003c/p>\n\u003cp>\u003cem>Developments and guidance on how to file for unemployment insurance has been changing rapidly. For additional support, please refer to \u003ca href=\"https://www.kqed.org/news/11806938/how-to-file-for-unemployment-in-california-during-the-coronavirus-pandemic\" target=\"_blank\" rel=\"noopener noreferrer\">KQED's guide\u003c/a>, the official \u003ca href=\"http://edd.ca.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">EDD website\u003c/a>, the \u003ca href=\"https://www.facebook.com/groups/3296311573733137\" target=\"_blank\" rel=\"noopener noreferrer\">Unofficial CA unemployment help public group on Facebook\u003c/a> or this resource \u003ca href=\"https://www.kqed.org/news/11820299/applying-for-unemployment-in-california-unofficial-facebook-group-creates-help-website\" target=\"_blank\" rel=\"noopener noreferrer\">created by volunteers\u003c/a>. \u003c/em>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Thousands of Californians are struggling to pay their bills during one of the nation’s worst health crises, which has wiped out millions of jobs and left many businesses hobbling. But despite their financial hardships, many are being asked to pay their debts or have their wages garnished in the middle of a global pandemic.\u003c/p>\n\u003cp>Richard Gonzales works as a mechanical engineer in San Jose. Before the pandemic hit, he was using the extra money he made to pay for continuing education classes. But since May, he’s been furloughed.\u003c/p>\n\u003cp>“I just went back to work a couple weeks ago,” Gonzales said. “And that’s on a day-by-day basis at this time.”\u003c/p>\n\u003cp>Gonzales is afraid he’ll get laid off. He wasn’t able to pay his rent while he was furloughed, but San Jose and many other cities in the Bay Area have \u003ca href=\"https://www.sanjoseca.gov/your-government/departments-offices/housing/eviction-moratorium\">eviction moratoriums\u003c/a> in place, which prohibit landlords from evicting their tenants if they can’t pay rent due to financial hardships brought on by the pandemic.\u003c/p>\n\u003cp>San Jose’s moratorium ends on Aug. 31, and Gonzales’ landlord has already threatened to evict him if he doesn’t pay his back-rent.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“It’s become difficult to pay it. And I have every intention [of paying the rent] because I’ve never had any problems like this,” Gonzales said. “But it’s making me worried and stressed out about … am I going to be able to do it.”\u003c/p>\n\u003cp>Last month, the Federal Reserve released a \u003ca href=\"https://www.federalreserve.gov/releases/z1/20200611/html/introductory_text.htm\">report\u003c/a> showing that household debt increased by almost 4% across the United States in the first quarter.\u003c/p>\n\u003cp>Kiran Sidhu, policy counsel for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, has been seeing debt collection cases from people who are already struggling financially, and particularly from borrowers of color.\u003c/p>\n\u003cp>“Debt collection cases disproportionately impact borrowers of color and we can expect these debt collection cases are going to increase because of the situation that existed before the pandemic even began,” Sidhu said. “We can imagine that debt collection cases are going to be on the rise.”\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Jessica Nowlan, Young Women's Freedom Center executive director\"]‘I have a history of poverty that I haven’t been able to climb out of. And so a hit from the IRS was pretty devastating to my family.’[/pullquote]\u003c/p>\n\u003cp>Back in April, Gov. Gavin Newsom signed an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2020/04/4.23.20-EO-N-57-20-text.pdf\">executive order\u003c/a> to stop debt collectors from garnishing COVID-19 stimulus checks. He also provided relief for private student loan borrowers. But Sidhu doesn’t believe this relief is enough to save families struggling from debt, especially as the pandemic continues.\u003c/p>\n\u003cp>“States should really be careful about how they begin to reopen and continue business as usual,” Sidhu said. “Families still have not recovered from the 2008 financial recession and this on top of that is going to exacerbate issues for folks who are already reeling.”\u003c/p>\n\u003cp>Jessica Nowlan’s debt fits into that category. She lives in Oakland with her three kids and, after experiencing homelessness for several years, worked her way up to become executive director of the \u003ca href=\"https://www.youngwomenfree.org/\">Young Women’s Freedom Center\u003c/a>, a local nonprofit.\u003c/p>\n\u003cp>“I think that I finally felt like a grown-up. I can take care of myself. I just moved, I bought a couch,” Nowlan said.\u003c/p>\n\u003cfigure id=\"attachment_11831725\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11831725\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg\" alt=\"Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway.\" width=\"800\" height=\"533\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/Jessica-Nowlan-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/Jessica-Nowlan.jpg 960w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway. \u003ccite>(Photo Courtesy of Jessica Nowlan)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because of her low-income status, she was used to receiving tax credits every year. Since starting her role as executive director of her organization, she has instead owed money to the IRS when she filed taxes. But Nowlan didn’t realize that and now owes the IRS over $20,000 in back taxes. Two weeks ago, the IRS garnished $6,000 from her bank account.\u003c/p>\n\u003cp>“I have a history of poverty that I haven’t been able to climb out of. And so a hit from the IRS was pretty devastating to my family,” Nowlan said.\u003c/p>\n\u003cp>She’s now on a six-year payment plan with the IRS to pay those back taxes, but there won’t be a lot of money left in her account for extra purchases.\u003c/p>\n\u003cp>[aside label=\"Coronavirus Resources\" tag=\"resource\"]\u003c/p>\n\u003cp>Sharon Djemal, director of the Consumer Justice Clinic at the \u003ca href=\"https://ebclc.org/\">East Bay Community Law Center\u003c/a>, is getting calls from clients concerned about the debt they’re accumulating now, on top of the debt they already had pre-pandemic.\u003c/p>\n\u003cp>“People are getting lots of calls and are very stressed about getting calls or letters regarding some of the debt they’ve accumulated over the past few months,” Djemal said.\u003c/p>\n\u003cp>She says it can take a year for a case to get into the court system and she expects to see a deluge of cases next year because of debt accumulated during the pandemic. The cases she handles today are related to pre-pandemic debt.\u003c/p>\n\u003cp>On the legislative front, state Sen. Bob Wieckowski, D-Fremont, has been working on bills to reform the debt collection process.\u003c/p>\n\u003cp>His legislation, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200SB616\">Senate Bill 616\u003c/a>, which passed in 2019, prohibits debt collectors from cleaning out bank accounts. Starting in September, collectors will have to leave at least \u003ca href=\"https://wclp.org/press-release-governor-signs-bill-stopping-debt-collectors-from-draining-bank-accounts/\">$1,724\u003c/a> in a family’s bank account — enough to provide a “minimum basic standard of adequate care for a family of four.”\u003c/p>\n\u003cp>Wieckowski is working on another bill, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB908\">SB 908\u003c/a>, which would expand oversight on debt collectors.\u003c/p>\n\u003cp>“There’s no regulation, there’s no licensing,” Wieckowski said. “It’s nothing new — it’s the crescendo now because there’s so many more people that are financially vulnerable.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>SB 908 passed the state Senate in late June and is now waiting for an Assembly vote.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Thousands of Californians are struggling to pay their bills during one of the nation’s worst health crises, which has wiped out millions of jobs and left many businesses hobbling. But despite their financial hardships, many are being asked to pay their debts or have their wages garnished in the middle of a global pandemic.\u003c/p>\n\u003cp>Richard Gonzales works as a mechanical engineer in San Jose. Before the pandemic hit, he was using the extra money he made to pay for continuing education classes. But since May, he’s been furloughed.\u003c/p>\n\u003cp>“I just went back to work a couple weeks ago,” Gonzales said. “And that’s on a day-by-day basis at this time.”\u003c/p>\n\u003cp>Gonzales is afraid he’ll get laid off. He wasn’t able to pay his rent while he was furloughed, but San Jose and many other cities in the Bay Area have \u003ca href=\"https://www.sanjoseca.gov/your-government/departments-offices/housing/eviction-moratorium\">eviction moratoriums\u003c/a> in place, which prohibit landlords from evicting their tenants if they can’t pay rent due to financial hardships brought on by the pandemic.\u003c/p>\n\u003cp>San Jose’s moratorium ends on Aug. 31, and Gonzales’ landlord has already threatened to evict him if he doesn’t pay his back-rent.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“It’s become difficult to pay it. And I have every intention [of paying the rent] because I’ve never had any problems like this,” Gonzales said. “But it’s making me worried and stressed out about … am I going to be able to do it.”\u003c/p>\n\u003cp>Last month, the Federal Reserve released a \u003ca href=\"https://www.federalreserve.gov/releases/z1/20200611/html/introductory_text.htm\">report\u003c/a> showing that household debt increased by almost 4% across the United States in the first quarter.\u003c/p>\n\u003cp>Kiran Sidhu, policy counsel for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, has been seeing debt collection cases from people who are already struggling financially, and particularly from borrowers of color.\u003c/p>\n\u003cp>“Debt collection cases disproportionately impact borrowers of color and we can expect these debt collection cases are going to increase because of the situation that existed before the pandemic even began,” Sidhu said. “We can imagine that debt collection cases are going to be on the rise.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Back in April, Gov. Gavin Newsom signed an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2020/04/4.23.20-EO-N-57-20-text.pdf\">executive order\u003c/a> to stop debt collectors from garnishing COVID-19 stimulus checks. He also provided relief for private student loan borrowers. But Sidhu doesn’t believe this relief is enough to save families struggling from debt, especially as the pandemic continues.\u003c/p>\n\u003cp>“States should really be careful about how they begin to reopen and continue business as usual,” Sidhu said. “Families still have not recovered from the 2008 financial recession and this on top of that is going to exacerbate issues for folks who are already reeling.”\u003c/p>\n\u003cp>Jessica Nowlan’s debt fits into that category. She lives in Oakland with her three kids and, after experiencing homelessness for several years, worked her way up to become executive director of the \u003ca href=\"https://www.youngwomenfree.org/\">Young Women’s Freedom Center\u003c/a>, a local nonprofit.\u003c/p>\n\u003cp>“I think that I finally felt like a grown-up. I can take care of myself. I just moved, I bought a couch,” Nowlan said.\u003c/p>\n\u003cfigure id=\"attachment_11831725\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11831725\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg\" alt=\"Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway.\" width=\"800\" height=\"533\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/Jessica-Nowlan-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/08/Jessica-Nowlan.jpg 960w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway. \u003ccite>(Photo Courtesy of Jessica Nowlan)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because of her low-income status, she was used to receiving tax credits every year. Since starting her role as executive director of her organization, she has instead owed money to the IRS when she filed taxes. But Nowlan didn’t realize that and now owes the IRS over $20,000 in back taxes. Two weeks ago, the IRS garnished $6,000 from her bank account.\u003c/p>\n\u003cp>“I have a history of poverty that I haven’t been able to climb out of. And so a hit from the IRS was pretty devastating to my family,” Nowlan said.\u003c/p>\n\u003cp>She’s now on a six-year payment plan with the IRS to pay those back taxes, but there won’t be a lot of money left in her account for extra purchases.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Sharon Djemal, director of the Consumer Justice Clinic at the \u003ca href=\"https://ebclc.org/\">East Bay Community Law Center\u003c/a>, is getting calls from clients concerned about the debt they’re accumulating now, on top of the debt they already had pre-pandemic.\u003c/p>\n\u003cp>“People are getting lots of calls and are very stressed about getting calls or letters regarding some of the debt they’ve accumulated over the past few months,” Djemal said.\u003c/p>\n\u003cp>She says it can take a year for a case to get into the court system and she expects to see a deluge of cases next year because of debt accumulated during the pandemic. The cases she handles today are related to pre-pandemic debt.\u003c/p>\n\u003cp>On the legislative front, state Sen. Bob Wieckowski, D-Fremont, has been working on bills to reform the debt collection process.\u003c/p>\n\u003cp>His legislation, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200SB616\">Senate Bill 616\u003c/a>, which passed in 2019, prohibits debt collectors from cleaning out bank accounts. Starting in September, collectors will have to leave at least \u003ca href=\"https://wclp.org/press-release-governor-signs-bill-stopping-debt-collectors-from-draining-bank-accounts/\">$1,724\u003c/a> in a family’s bank account — enough to provide a “minimum basic standard of adequate care for a family of four.”\u003c/p>\n\u003cp>Wieckowski is working on another bill, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB908\">SB 908\u003c/a>, which would expand oversight on debt collectors.\u003c/p>\n\u003cp>“There’s no regulation, there’s no licensing,” Wieckowski said. “It’s nothing new — it’s the crescendo now because there’s so many more people that are financially vulnerable.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>SB 908 passed the state Senate in late June and is now waiting for an Assembly vote.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Hundreds of workers at the Marathon refinery in Martinez are set to \u003ca href=\"https://bit.ly/fioremarathonrefinery\">lose their jobs\u003c/a> at California’s fourth-largest refinery.\u003c/p>\n\u003cp>The oil industry has taken a big hit amid the current COVID-19 world of sticking close to home and continuing economic decline.\u003c/p>\n\u003cp>While I rejoice at there being one less polluting refinery in the Bay Area, that doesn’t help the hundreds of workers (thousands if you include contractors) shown the door by Marathon Petroleum.\u003c/p>\n\u003cp>If only that much-heralded transition to a green economy had begun in earnest before the shock of a coronavirus-stalled economy.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Hundreds of workers at the Marathon refinery in Martinez are set to \u003ca href=\"https://bit.ly/fioremarathonrefinery\">lose their jobs\u003c/a> at California’s fourth-largest refinery.\u003c/p>\n\u003cp>The oil industry has taken a big hit amid the current COVID-19 world of sticking close to home and continuing economic decline.\u003c/p>\n\u003cp>While I rejoice at there being one less polluting refinery in the Bay Area, that doesn’t help the hundreds of workers (thousands if you include contractors) shown the door by Marathon Petroleum.\u003c/p>\n\u003cp>If only that much-heralded transition to a green economy had begun in earnest before the shock of a coronavirus-stalled economy.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Elected officials, union leaders, industry representatives and environmentalists are expressing concern about the hundreds of workers set to lose their jobs at California’s fourth-largest refinery in the coming months.\u003c/p>\n\u003cp>That’s after Marathon Petroleum announced over the weekend that it plans a permanent halt to processing crude oil at its Martinez plant.\u003c/p>\n\u003cp>“The decommissioning of the Marathon refinery means the loss of thousands of good paying, California blue collar jobs at a time of great economic uncertainty,” said Robbie Hunter, president of the State Building and Construction Trades Council of California, which represents thousands of people who work at the plant in the course of a year.\u003c/p>\n\u003cp>Marathon executives told employees at its Contra Costa County and Gallup, New Mexico, refineries on Friday that it plans to cut workers.\u003c/p>\n\u003cp>“We will indefinitely idle these facilities with no plans to restart normal operations,” the company said on its \u003ca href=\"https://www.marathonpetroleum.com/\" target=\"_blank\" rel=\"noopener noreferrer\">website\u003c/a>.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The company had idled both refineries in April after shelter-at-home orders drastically cut demand for gasoline and jet fuel. That meant processing units at the plants stopped making transportation fuels and other refined products. For months the refineries have been maintained in “standby” mode.\u003c/p>\n\u003cp>The Friday announcement means “most jobs at these refineries will no longer be necessary, and we expect to begin a phased reduction of staffing levels in October” the company said on its website.\u003c/p>\n\u003cp>Marathon employs 740 staff workers at its Martinez refinery, which has gone through \u003ca href=\"https://cchealth.org/hazmat/facilities/tesoro.php\" target=\"_blank\" rel=\"noopener noreferrer\">several owners and name changes\u003c/a>. It was formerly known as the Tesoro, Golden Eagle, Tosco Avon and Phillips Avon refinery. Marathon bought the facility in 2018.\u003c/p>\n\u003cp>In addition to the full-time employees, the refinery relies on between 250 and 2,500 contract workers depending on operational needs, according to Marathon representative Patricia Deutsche.\u003c/p>\n\u003cp>“There is also the ‘multiplier’ effect. They say for every one refinery job there are eight in the community that support that,” Deutsche said.\u003c/p>\n\u003cp>“This move is a big loss for our workforce and potentially the economy,” said Rep. Mark DeSaulnier, D-Concord, who represents Martinez and has been a longtime advocate for refinery safety.\u003c/p>\n\u003cp>DeSaulnier said that before the coronavirus pandemic and the oil industry downturn, he began bringing together labor unions, environmental groups and local governments to prepare for a shift to green energy in Contra Costa County.\u003c/p>\n\u003cp>“The transition needs to be as successful as possible for everyone and we cannot leave workers behind — they need to be guaranteed meaningful and comparable work,” DeSaulnier said in an emailed statement Sunday.\u003c/p>\n\u003cp>A spokesman for a leading trade group that represents the oil industry in California said he feels for the local economy that relies on the refinery, \u003ca href=\"https://www.energy.ca.gov/data-reports/energy-almanac/californias-petroleum-market/californias-oil-refineries\" target=\"_blank\" rel=\"noopener noreferrer\">which can process about 160,000 barrels of crude per day\u003c/a>.\u003c/p>\n\u003cp>“Obviously, this impacts a lot of people, families and the community and we are concerned for them,” said Kevin Slagle, a representative for the Western States Petroleum Association.\u003c/p>\n\u003cp>The refinery has seen its share of incidents. The worst in the last decade took place in February 2014, when the facility was run by Tesoro. Two workers were burned and 84,000 pounds of sulfuric acid were released. A month later sulfuric acid sprayed and burned two contract workers, leading to an \u003ca href=\"https://www.csb.gov/csb-releases-final-report-on-facility-safety-culture-following-a-series-of-sulfuric-acid-releases-at-the-tesoro-martinez-refinery-in-california/\" target=\"_blank\" rel=\"noopener noreferrer\">investigation\u003c/a> by the U.S Chemical Safety Board that raised concerns about the refinery’s safety culture.\u003c/p>\n\u003cp>Like the Bay Area’s other four refineries — Valero in Benicia, Chevron in Richmond, PBF Energy in Martinez and Phillips 66 in Rodeo — the facility has had to send gases to its \u003ca href=\"https://www.baaqmd.gov/~/media/files/compliance-and-enforcement/flares/graphs/flare-emissions-charts/2019/frequency_of_flaring_2019-pdf.pdf?la=en\" target=\"_blank\" rel=\"noopener noreferrer\">flares\u003c/a> scores of times over the years, many times to deal with malfunctions.\u003c/p>\n\u003cp>Local environmentalists who’ve been critical of the region’s oil industry say it’s time for the refinery, its dangers and pollution to go away, but the change should include a plan for workers.\u003c/p>\n\u003cp>“This is what an unplanned transition looks like,” said Greg Karras with Community Energy reSource.\u003c/p>\n\u003cp>It’s “the tip of the iceberg for why we need a planned, just transition to sustainable energy and a livable climate,” Karras said.\u003c/p>\n\u003cp>Some environmentalists and union advocates have used the term “just transition” to explain a fair way of getting fossil fuel industry workers and their surrounding communities, businesses and local governments to move into a green energy economy.\u003c/p>\n\u003cp>Hollin Kretzmann, an Oakland attorney with the Center for Biological Diversity, said the air quality benefits of a refinery shutting down are welcome but expressed concern about workers.\u003c/p>\n\u003cp>“Communities near this dangerous refinery can breathe a little easier now that operations have halted, but the state desperately needs a just transition plan that protects workers when oil companies toss their employees to the curb with little warning,” Kretzmann said.\u003c/p>\n\u003cp>Marathon says its Martinez refinery will be converted to an oil storage facility. The company says it’s considering turning the facility into a renewable diesel facility.\u003c/p>\n\u003cp>“The Marathon refinery’s (potential) conversion into a renewable diesel facility is a forecast of the future as the demand for fossil fuels declines over time, resulting in healthier air and reduced greenhouse gas emissions,” said Contra Costa County Supervisor John Gioia.\u003c/p>\n\u003cp>“We will see more future refinery closures as a result of continued decreasing consumption of fossil fuels under California’s policies transitioning our transportation system to zero emission,” said Gioia, who sits on the the Bay Area Air Quality Management District board and the California Air Resources Board.\u003c/p>\n\u003cp>“We need to immediately start addressing a just transition for these workers as more fossil fuel facilities close,” he said.\u003c/p>\n\u003cp>Marathon’s decision to end oil processing at its Martinez plant is the latest piece of evidence showing California’s oil industry suffering under a pandemic that’s led to severe drops in fuel demand.\u003c/p>\n\u003cp>San Ramon-based Chevron, one of the world’s largest oil companies, announced \u003ca href=\"https://www.chevron.com/investors/press-releases\" target=\"_blank\" rel=\"noopener noreferrer\">its worst quarter\u003c/a> in decades on Friday. The company said it lost more than $8 billion during the three months ending June 30.\u003c/p>\n\u003cp>“All the oil majors have been clobbered by COVID,” said David Hackett, president of Stillwater Associates, a firm that specializes in analyzing the transportation fuels market.\u003c/p>\n\u003cp>Earlier this month, the California Resources Corporation, one of the state’s largest oil producers,\u003ca href=\"https://www.kqed.org/news/11829255/major-california-oil-producer-falls-victim-to-collapse-in-crude-prices-amid-pandemic\" target=\"_blank\" rel=\"noopener noreferrer\"> filed for bankruptcy\u003c/a>.\u003c/p>\n\u003cp>In May, the Newsom administration \u003ca href=\"https://www.kqed.org/news/11818575/newsom-kills-proposal-to-add-oil-regulators-even-though-industry-would-have-paid\" target=\"_blank\" rel=\"noopener noreferrer\">granted a request\u003c/a> by another oil trade group, the California Independent Petroleum Association, to drop a proposal to add dozens of staff members to the agency that oversees oil and gas drilling that would have cost the industry $24 million. State regulators also agreed to \u003ca href=\"https://www.kqed.org/news/11817384/with-oil-industry-in-slump-state-offers-a-break-on-some-well-regulations\" target=\"_blank\" rel=\"noopener noreferrer\">postpone a deadline for oil and gas producers\u003c/a> to pay fees and submit plans to manage thousands of idle oil wells.\u003c/p>\n\u003cp>In April, PBF Energy, the New Jersey-based company that bought Shell’s refinery in Martinez, \u003ca href=\"https://www.kqed.org/news/11810439/coronavirus-prompts-martinez-refinery-to-cut-back-sell-hydrogen-plants\" target=\"_blank\" rel=\"noopener noreferrer\">sold two hydrogen plants\u003c/a> at the facility for hundreds of millions of dollars — a move aimed at cutting costs and raising revenue to deal with fuel demand drops.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>That same month, more than 1,000 contract electricians, pipefitters and other skilled \u003ca href=\"https://www.kqed.org/news/11813844/unions-say-bay-area-refineries-have-dismissed-more-than-1000-contract-workers\" target=\"_blank\" rel=\"noopener noreferrer\">workers were cut from Bay Area refineries\u003c/a>.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Elected officials, union leaders, industry representatives and environmentalists are expressing concern about the hundreds of workers set to lose their jobs at California’s fourth-largest refinery in the coming months.\u003c/p>\n\u003cp>That’s after Marathon Petroleum announced over the weekend that it plans a permanent halt to processing crude oil at its Martinez plant.\u003c/p>\n\u003cp>“The decommissioning of the Marathon refinery means the loss of thousands of good paying, California blue collar jobs at a time of great economic uncertainty,” said Robbie Hunter, president of the State Building and Construction Trades Council of California, which represents thousands of people who work at the plant in the course of a year.\u003c/p>\n\u003cp>Marathon executives told employees at its Contra Costa County and Gallup, New Mexico, refineries on Friday that it plans to cut workers.\u003c/p>\n\u003cp>“We will indefinitely idle these facilities with no plans to restart normal operations,” the company said on its \u003ca href=\"https://www.marathonpetroleum.com/\" target=\"_blank\" rel=\"noopener noreferrer\">website\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The company had idled both refineries in April after shelter-at-home orders drastically cut demand for gasoline and jet fuel. That meant processing units at the plants stopped making transportation fuels and other refined products. For months the refineries have been maintained in “standby” mode.\u003c/p>\n\u003cp>The Friday announcement means “most jobs at these refineries will no longer be necessary, and we expect to begin a phased reduction of staffing levels in October” the company said on its website.\u003c/p>\n\u003cp>Marathon employs 740 staff workers at its Martinez refinery, which has gone through \u003ca href=\"https://cchealth.org/hazmat/facilities/tesoro.php\" target=\"_blank\" rel=\"noopener noreferrer\">several owners and name changes\u003c/a>. It was formerly known as the Tesoro, Golden Eagle, Tosco Avon and Phillips Avon refinery. Marathon bought the facility in 2018.\u003c/p>\n\u003cp>In addition to the full-time employees, the refinery relies on between 250 and 2,500 contract workers depending on operational needs, according to Marathon representative Patricia Deutsche.\u003c/p>\n\u003cp>“There is also the ‘multiplier’ effect. They say for every one refinery job there are eight in the community that support that,” Deutsche said.\u003c/p>\n\u003cp>“This move is a big loss for our workforce and potentially the economy,” said Rep. Mark DeSaulnier, D-Concord, who represents Martinez and has been a longtime advocate for refinery safety.\u003c/p>\n\u003cp>DeSaulnier said that before the coronavirus pandemic and the oil industry downturn, he began bringing together labor unions, environmental groups and local governments to prepare for a shift to green energy in Contra Costa County.\u003c/p>\n\u003cp>“The transition needs to be as successful as possible for everyone and we cannot leave workers behind — they need to be guaranteed meaningful and comparable work,” DeSaulnier said in an emailed statement Sunday.\u003c/p>\n\u003cp>A spokesman for a leading trade group that represents the oil industry in California said he feels for the local economy that relies on the refinery, \u003ca href=\"https://www.energy.ca.gov/data-reports/energy-almanac/californias-petroleum-market/californias-oil-refineries\" target=\"_blank\" rel=\"noopener noreferrer\">which can process about 160,000 barrels of crude per day\u003c/a>.\u003c/p>\n\u003cp>“Obviously, this impacts a lot of people, families and the community and we are concerned for them,” said Kevin Slagle, a representative for the Western States Petroleum Association.\u003c/p>\n\u003cp>The refinery has seen its share of incidents. The worst in the last decade took place in February 2014, when the facility was run by Tesoro. Two workers were burned and 84,000 pounds of sulfuric acid were released. A month later sulfuric acid sprayed and burned two contract workers, leading to an \u003ca href=\"https://www.csb.gov/csb-releases-final-report-on-facility-safety-culture-following-a-series-of-sulfuric-acid-releases-at-the-tesoro-martinez-refinery-in-california/\" target=\"_blank\" rel=\"noopener noreferrer\">investigation\u003c/a> by the U.S Chemical Safety Board that raised concerns about the refinery’s safety culture.\u003c/p>\n\u003cp>Like the Bay Area’s other four refineries — Valero in Benicia, Chevron in Richmond, PBF Energy in Martinez and Phillips 66 in Rodeo — the facility has had to send gases to its \u003ca href=\"https://www.baaqmd.gov/~/media/files/compliance-and-enforcement/flares/graphs/flare-emissions-charts/2019/frequency_of_flaring_2019-pdf.pdf?la=en\" target=\"_blank\" rel=\"noopener noreferrer\">flares\u003c/a> scores of times over the years, many times to deal with malfunctions.\u003c/p>\n\u003cp>Local environmentalists who’ve been critical of the region’s oil industry say it’s time for the refinery, its dangers and pollution to go away, but the change should include a plan for workers.\u003c/p>\n\u003cp>“This is what an unplanned transition looks like,” said Greg Karras with Community Energy reSource.\u003c/p>\n\u003cp>It’s “the tip of the iceberg for why we need a planned, just transition to sustainable energy and a livable climate,” Karras said.\u003c/p>\n\u003cp>Some environmentalists and union advocates have used the term “just transition” to explain a fair way of getting fossil fuel industry workers and their surrounding communities, businesses and local governments to move into a green energy economy.\u003c/p>\n\u003cp>Hollin Kretzmann, an Oakland attorney with the Center for Biological Diversity, said the air quality benefits of a refinery shutting down are welcome but expressed concern about workers.\u003c/p>\n\u003cp>“Communities near this dangerous refinery can breathe a little easier now that operations have halted, but the state desperately needs a just transition plan that protects workers when oil companies toss their employees to the curb with little warning,” Kretzmann said.\u003c/p>\n\u003cp>Marathon says its Martinez refinery will be converted to an oil storage facility. The company says it’s considering turning the facility into a renewable diesel facility.\u003c/p>\n\u003cp>“The Marathon refinery’s (potential) conversion into a renewable diesel facility is a forecast of the future as the demand for fossil fuels declines over time, resulting in healthier air and reduced greenhouse gas emissions,” said Contra Costa County Supervisor John Gioia.\u003c/p>\n\u003cp>“We will see more future refinery closures as a result of continued decreasing consumption of fossil fuels under California’s policies transitioning our transportation system to zero emission,” said Gioia, who sits on the the Bay Area Air Quality Management District board and the California Air Resources Board.\u003c/p>\n\u003cp>“We need to immediately start addressing a just transition for these workers as more fossil fuel facilities close,” he said.\u003c/p>\n\u003cp>Marathon’s decision to end oil processing at its Martinez plant is the latest piece of evidence showing California’s oil industry suffering under a pandemic that’s led to severe drops in fuel demand.\u003c/p>\n\u003cp>San Ramon-based Chevron, one of the world’s largest oil companies, announced \u003ca href=\"https://www.chevron.com/investors/press-releases\" target=\"_blank\" rel=\"noopener noreferrer\">its worst quarter\u003c/a> in decades on Friday. The company said it lost more than $8 billion during the three months ending June 30.\u003c/p>\n\u003cp>“All the oil majors have been clobbered by COVID,” said David Hackett, president of Stillwater Associates, a firm that specializes in analyzing the transportation fuels market.\u003c/p>\n\u003cp>Earlier this month, the California Resources Corporation, one of the state’s largest oil producers,\u003ca href=\"https://www.kqed.org/news/11829255/major-california-oil-producer-falls-victim-to-collapse-in-crude-prices-amid-pandemic\" target=\"_blank\" rel=\"noopener noreferrer\"> filed for bankruptcy\u003c/a>.\u003c/p>\n\u003cp>In May, the Newsom administration \u003ca href=\"https://www.kqed.org/news/11818575/newsom-kills-proposal-to-add-oil-regulators-even-though-industry-would-have-paid\" target=\"_blank\" rel=\"noopener noreferrer\">granted a request\u003c/a> by another oil trade group, the California Independent Petroleum Association, to drop a proposal to add dozens of staff members to the agency that oversees oil and gas drilling that would have cost the industry $24 million. State regulators also agreed to \u003ca href=\"https://www.kqed.org/news/11817384/with-oil-industry-in-slump-state-offers-a-break-on-some-well-regulations\" target=\"_blank\" rel=\"noopener noreferrer\">postpone a deadline for oil and gas producers\u003c/a> to pay fees and submit plans to manage thousands of idle oil wells.\u003c/p>\n\u003cp>In April, PBF Energy, the New Jersey-based company that bought Shell’s refinery in Martinez, \u003ca href=\"https://www.kqed.org/news/11810439/coronavirus-prompts-martinez-refinery-to-cut-back-sell-hydrogen-plants\" target=\"_blank\" rel=\"noopener noreferrer\">sold two hydrogen plants\u003c/a> at the facility for hundreds of millions of dollars — a move aimed at cutting costs and raising revenue to deal with fuel demand drops.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>That same month, more than 1,000 contract electricians, pipefitters and other skilled \u003ca href=\"https://www.kqed.org/news/11813844/unions-say-bay-area-refineries-have-dismissed-more-than-1000-contract-workers\" target=\"_blank\" rel=\"noopener noreferrer\">workers were cut from Bay Area refineries\u003c/a>.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>\u003cb>As Economic Fallout Mounts, Unemployment Relief in Limbo\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">According to the Commerce Department, the U.S. gross domestic product shrank by nearly 10 percent in the second quarter, a record drop that highlights the economic devastation wrought by the coronavirus pandemic. There are now more than 30 million workers claiming unemployment benefits. In California, nearly 250,000 workers filed new unemployment claims last week, according to the Department of Labor. Meanwhile, on Capitol Hill, Democratic and Republican lawmakers have been unable to reach consensus on the size and scope of a new round of economic relief as a $600 weekly federal unemployment benefit expires today. A new, $1 trillion relief package, unveiled by Senate Majority Leader Mitch McConnell on Tuesday, would cut the weekly unemployment benefit by two-thirds while boosting funding for the Paycheck Protection Program and allocating $105 billion to help schools reopen. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guest:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">U.S. Rep. Zoe Lofgren (D-San Jose) \u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Coronavirus Cases Surge in California’s Central Valley\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">This week, Gov. Gavin Newsom announced state assistance to contain “alarming” outbreaks of the coronavirus in California’s agricultural heartland. The state will deploy three teams to eight counties in the Central Valley to boost contact tracing, testing and outreach. The state will also provide $52 million in federal aid to support local health departments in the impacted communities. Essential workers in the agriculture and meatpacking industries, many of whom are Latino, are especially vulnerable to getting sick and dying from the disease. The Fresno County health department says Latinos make up roughly half the county’s population but account for nearly 70 percent of COVID-19 deaths in the county.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Miguel Arias, president, Fresno city council\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Steve Brandau, vice chair, Fresno County board of supervisors\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>‘A Thousand Cuts’ \u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">A new documentary opening next Friday, “A Thousand Cuts”, highlights the struggle for press freedoms in the Philippines where prominent journalists are coming under attack by President Rodrigo Duterte. \u003c/span>\u003cspan style=\"font-weight: 400\">Leading the fight against Duterte is Maria Ressa, an award-winning former CNN bureau chief whose media organization, Rappler, has been targeted by the government for exposing a brutal war on drugs that has claimed thousands of lives. Ressa and her team of reporters have faced death threats, arrests, social media disinformation campaigns and multiple legal challenges. In June, Ressa was convicted on libel charges and earlier this month, Filipino lawmakers refused to renew the franchise license of the nation’s largest news broadcaster which Duterte has accused of bias. \u003c/span>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cb>Guest:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Ramona S. Diaz, producer, writer and director, “A Thousand Cuts”\u003c/span>\u003c/li>\n\u003c/ul>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cb>As Economic Fallout Mounts, Unemployment Relief in Limbo\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">According to the Commerce Department, the U.S. gross domestic product shrank by nearly 10 percent in the second quarter, a record drop that highlights the economic devastation wrought by the coronavirus pandemic. There are now more than 30 million workers claiming unemployment benefits. In California, nearly 250,000 workers filed new unemployment claims last week, according to the Department of Labor. Meanwhile, on Capitol Hill, Democratic and Republican lawmakers have been unable to reach consensus on the size and scope of a new round of economic relief as a $600 weekly federal unemployment benefit expires today. A new, $1 trillion relief package, unveiled by Senate Majority Leader Mitch McConnell on Tuesday, would cut the weekly unemployment benefit by two-thirds while boosting funding for the Paycheck Protection Program and allocating $105 billion to help schools reopen. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guest:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">U.S. Rep. Zoe Lofgren (D-San Jose) \u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Coronavirus Cases Surge in California’s Central Valley\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">This week, Gov. Gavin Newsom announced state assistance to contain “alarming” outbreaks of the coronavirus in California’s agricultural heartland. The state will deploy three teams to eight counties in the Central Valley to boost contact tracing, testing and outreach. The state will also provide $52 million in federal aid to support local health departments in the impacted communities. Essential workers in the agriculture and meatpacking industries, many of whom are Latino, are especially vulnerable to getting sick and dying from the disease. The Fresno County health department says Latinos make up roughly half the county’s population but account for nearly 70 percent of COVID-19 deaths in the county.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Miguel Arias, president, Fresno city council\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Steve Brandau, vice chair, Fresno County board of supervisors\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>‘A Thousand Cuts’ \u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">A new documentary opening next Friday, “A Thousand Cuts”, highlights the struggle for press freedoms in the Philippines where prominent journalists are coming under attack by President Rodrigo Duterte. \u003c/span>\u003cspan style=\"font-weight: 400\">Leading the fight against Duterte is Maria Ressa, an award-winning former CNN bureau chief whose media organization, Rappler, has been targeted by the government for exposing a brutal war on drugs that has claimed thousands of lives. Ressa and her team of reporters have faced death threats, arrests, social media disinformation campaigns and multiple legal challenges. In June, Ressa was convicted on libel charges and earlier this month, Filipino lawmakers refused to renew the franchise license of the nation’s largest news broadcaster which Duterte has accused of bias. \u003c/span>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>California's Employment Development Department is \u003ca href=\"https://bit.ly/fioreeddwait\">under fire\u003c/a> for long wait times for people to receive unemployment benefits.\u003c/p>\n\u003cp>Out of work people, with no income during a deadly pandemic, are being asked to wait 4 to 6 weeks for a call back from California's unemployment department.\u003c/p>\n\u003cp>That's nothing.\u003c/p>\n\u003cp>If Congress somehow manages to extend supplemental employment benefits, the head of the EDD says it could take up to 20 weeks to process the payments. Reminder: there are 52 weeks in a calendar year.\u003c/p>\n\u003cp>I sure hope Gov. Newsom's \"strike team\" speeds up that timeline before people are entirely penniless and hungry.\u003c/p>\n\u003cp>https://twitter.com/CAgovernor/status/1288895371863658496\u003c/p>\n\u003cp>If you are one of the millions of out-of-work Californians, \u003ca href=\"https://www.kqed.org/news/11806938/how-to-file-for-unemployment-in-california-during-the-coronavirus-pandemic\">KQED has a handy guide\u003c/a> about applying for the unemployment benefits you have earned.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>California's Employment Development Department is \u003ca href=\"https://bit.ly/fioreeddwait\">under fire\u003c/a> for long wait times for people to receive unemployment benefits.\u003c/p>\n\u003cp>Out of work people, with no income during a deadly pandemic, are being asked to wait 4 to 6 weeks for a call back from California's unemployment department.\u003c/p>\n\u003cp>That's nothing.\u003c/p>\n\u003cp>If Congress somehow manages to extend supplemental employment benefits, the head of the EDD says it could take up to 20 weeks to process the payments. Reminder: there are 52 weeks in a calendar year.\u003c/p>\n\u003cp>I sure hope Gov. Newsom's \"strike team\" speeds up that timeline before people are entirely penniless and hungry.\u003c/p>\u003c/p>\u003c/div>",
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"content": "\u003cp>California lawmakers accused the leader of the state’s unemployment department of failing the public in a tense hearing Thursday that featured stories of people waiting weeks or months to receive their benefits after losing their jobs because of the pandemic.\u003c/p>\n\u003cp>More than 1.2 million claims, about a fifth of all applications, haven’t been paid out, either because the applicants haven’t taken the right steps or they are ineligible, said Sharon Hilliard, head of the Employment Development Department. It will take until September to process about 239,000 of those that are mostly ready to go but backlogged, she said.\u003c/p>\n\u003cp>“It’s difficult to say this as someone who generally believes in government’s ability to help, but EDD has been failing California,” said Democratic Assemblymember David Chiu. “Our constituents are depleting their life savings, going into extreme debt, having trouble paying rent and putting food on the table.”\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Democratic Assemblymember David Chiu\"]‘Our constituents are depleting their life savings, going into extreme debt, having trouble paying rent and putting food on the table.’[/pullquote]\u003c/p>\n\u003cp>The coronavirus pandemic caused millions of Californians to lose their jobs starting in March, and the state has paid out $55 billion, including federal dollars, across 9.3 million claims, Hilliard said. Applications skyrocketed by more than 3,000% from March to May compared to January and February, according to the agency.\u003c/p>\n\u003cp>The hearing came a day after Gov. Gavin Newsom announced a new “strike team” to improve the department. The agency has already spent millions contracting with outside vendors to improve its technology and provide more call center workers. By October, it plans to award a contract to completely redo its information technology system, a timeline lawmakers said wasn’t nearly quick enough.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Chiu accused Hilliard of lying to the public about the unemployment data, another lawmaker said she had no faith in Hilliard or the agency, and members of the public called the state services “abominable” and suggested Hilliard be fired. Some who called in for public comment say they still haven’t received any payment.\u003c/p>\n\u003cp>Hilliard defended the battered agency. She told lawmakers the agency has hired or redirected thousands of workers and plans to bring on more. She said common reasons payments are delayed is because the state needs more information to verify the applicant’s identity or conduct a wage investigation.\u003c/p>\n\u003cp>“We remain laser focused on those claims that require additional action. Our staffers care deeply about the livelihood of our neighbors and our communities, which is why we continue to work round-the-clock in a committed effort to evolve our operations,” Hilliard said. [aside postID=\"news_11820299\" label='More Related Coverage']\u003c/p>\n\u003cp>A call center that can handle questions around specific claims has just 100 people working from 8 a.m. to 12 p.m., she said. The rest of the calls go through a line open seven days a week from 8 a.m. to 8 p.m. that can handle more basic calls. It takes on average four to six weeks for people to get a call back, Hilliard said.\u003c/p>\n\u003cp>The agency is working to merge the call centers and train more workers to handle complex calls to eliminate the need for call backs, Hilliard said. But she could not give a timeline for when that would happen despite repeated questions from Democratic Assemblymember Cottie Petrie-Norris. Other lawmakers said it was unacceptable that so few workers are able to answer questions about claims over the phone.\u003c/p>\n\u003cp>“All of these timelines just seem totally out of step with the urgency of the moment that we are in,” Petrie-Norris said.\u003c/p>\n\u003cp>The department is experiencing vastly more claims than at the height of the Great Recession, when the most claims processed in a single month was around 115,000. During a single week in late March, the state processed more than 1 million claims, said Chas Alamo, a policy analyst at the nonpartisan Legislative Analyst’s Office. The federal government sets a goal of 87% of new claims being paid out within three weeks; California is currently paying out 62% of claims within that time frame, Alamo said. That’s lower than the 50-state average. [aside tag=\"unemployment, jobs\" label=\"More Reporting on Unemployment\"]\u003c/p>\n\u003cp>Things could get even more complicated if Congress extends supplemental federal unemployment benefits, which gave people up to $600 in an additional weekly payments but just expired. The new program could require more complex calculations to determine payment amounts, and preparing the state’s system to handle it could take 12 to 20 weeks, Hilliard said.\u003c/p>\n\u003cp>“I think that the level of outrage that you’re hearing today would be nothing compared with the level of outrage if we were to tell the people of California it was going to take almost half a year to process their federal unemployment insurance supplement,” said Republican Assemblymember Jay Obernolte.\u003c/p>\n\u003cp>The strike team Newsom created will have 45 days to produce a report on how to make the agency more digital and consumer friendly. The agency will also begin weekly outreach to applicants who need to send in more information or certify their claims, which much be done every two weeks.\u003c/p>\n\u003cp>\u003cem>Developments and guidance on how to file for unemployment insurance has been changing rapidly. For additional support, please refer to \u003ca href=\"https://www.kqed.org/news/11806938/how-to-file-for-unemployment-in-california-during-the-coronavirus-pandemic\" target=\"_blank\" rel=\"noopener noreferrer\">KQED’s guide\u003c/a>, the official \u003ca href=\"http://edd.ca.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">EDD website\u003c/a>, or \u003ca href=\"https://www.faqcaui.com/\" target=\"_blank\" rel=\"noopener noreferrer\">FAQCAUI\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>California lawmakers accused the leader of the state’s unemployment department of failing the public in a tense hearing Thursday that featured stories of people waiting weeks or months to receive their benefits after losing their jobs because of the pandemic.\u003c/p>\n\u003cp>More than 1.2 million claims, about a fifth of all applications, haven’t been paid out, either because the applicants haven’t taken the right steps or they are ineligible, said Sharon Hilliard, head of the Employment Development Department. It will take until September to process about 239,000 of those that are mostly ready to go but backlogged, she said.\u003c/p>\n\u003cp>“It’s difficult to say this as someone who generally believes in government’s ability to help, but EDD has been failing California,” said Democratic Assemblymember David Chiu. “Our constituents are depleting their life savings, going into extreme debt, having trouble paying rent and putting food on the table.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "‘Our constituents are depleting their life savings, going into extreme debt, having trouble paying rent and putting food on the table.’",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The coronavirus pandemic caused millions of Californians to lose their jobs starting in March, and the state has paid out $55 billion, including federal dollars, across 9.3 million claims, Hilliard said. Applications skyrocketed by more than 3,000% from March to May compared to January and February, according to the agency.\u003c/p>\n\u003cp>The hearing came a day after Gov. Gavin Newsom announced a new “strike team” to improve the department. The agency has already spent millions contracting with outside vendors to improve its technology and provide more call center workers. By October, it plans to award a contract to completely redo its information technology system, a timeline lawmakers said wasn’t nearly quick enough.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Chiu accused Hilliard of lying to the public about the unemployment data, another lawmaker said she had no faith in Hilliard or the agency, and members of the public called the state services “abominable” and suggested Hilliard be fired. Some who called in for public comment say they still haven’t received any payment.\u003c/p>\n\u003cp>Hilliard defended the battered agency. She told lawmakers the agency has hired or redirected thousands of workers and plans to bring on more. She said common reasons payments are delayed is because the state needs more information to verify the applicant’s identity or conduct a wage investigation.\u003c/p>\n\u003cp>“We remain laser focused on those claims that require additional action. Our staffers care deeply about the livelihood of our neighbors and our communities, which is why we continue to work round-the-clock in a committed effort to evolve our operations,” Hilliard said. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>A call center that can handle questions around specific claims has just 100 people working from 8 a.m. to 12 p.m., she said. The rest of the calls go through a line open seven days a week from 8 a.m. to 8 p.m. that can handle more basic calls. It takes on average four to six weeks for people to get a call back, Hilliard said.\u003c/p>\n\u003cp>The agency is working to merge the call centers and train more workers to handle complex calls to eliminate the need for call backs, Hilliard said. But she could not give a timeline for when that would happen despite repeated questions from Democratic Assemblymember Cottie Petrie-Norris. Other lawmakers said it was unacceptable that so few workers are able to answer questions about claims over the phone.\u003c/p>\n\u003cp>“All of these timelines just seem totally out of step with the urgency of the moment that we are in,” Petrie-Norris said.\u003c/p>\n\u003cp>The department is experiencing vastly more claims than at the height of the Great Recession, when the most claims processed in a single month was around 115,000. During a single week in late March, the state processed more than 1 million claims, said Chas Alamo, a policy analyst at the nonpartisan Legislative Analyst’s Office. The federal government sets a goal of 87% of new claims being paid out within three weeks; California is currently paying out 62% of claims within that time frame, Alamo said. That’s lower than the 50-state average. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Things could get even more complicated if Congress extends supplemental federal unemployment benefits, which gave people up to $600 in an additional weekly payments but just expired. The new program could require more complex calculations to determine payment amounts, and preparing the state’s system to handle it could take 12 to 20 weeks, Hilliard said.\u003c/p>\n\u003cp>“I think that the level of outrage that you’re hearing today would be nothing compared with the level of outrage if we were to tell the people of California it was going to take almost half a year to process their federal unemployment insurance supplement,” said Republican Assemblymember Jay Obernolte.\u003c/p>\n\u003cp>The strike team Newsom created will have 45 days to produce a report on how to make the agency more digital and consumer friendly. The agency will also begin weekly outreach to applicants who need to send in more information or certify their claims, which much be done every two weeks.\u003c/p>\n\u003cp>\u003cem>Developments and guidance on how to file for unemployment insurance has been changing rapidly. For additional support, please refer to \u003ca href=\"https://www.kqed.org/news/11806938/how-to-file-for-unemployment-in-california-during-the-coronavirus-pandemic\" target=\"_blank\" rel=\"noopener noreferrer\">KQED’s guide\u003c/a>, the official \u003ca href=\"http://edd.ca.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">EDD website\u003c/a>, or \u003ca href=\"https://www.faqcaui.com/\" target=\"_blank\" rel=\"noopener noreferrer\">FAQCAUI\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Gov. Gavin Newsom is using new powers to withhold money from two cities in the Central Valley that are defying his health orders by allowing all businesses to open during the pandemic.\u003c/p>\n\u003cp>Newsom blocked nearly $65,000 from Atwater in Merced County and more than $35,000 from Coalinga in Fresno County, the first installments of $2.5 billion in federal funds that cities and counties across the state risk losing if they don’t toe the line on coronavirus safeguards.\u003c/p>\n\u003cp>The state’s Office of Emergency Services sent letters to the cities last week notifying officials that they risked losing more money if they didn’t withdraw resolutions defying the state’s orders. The city councils in both cities met Monday and stuck with their resolutions.\u003c/p>\n\u003cp>“We chose our path and we prepared for it,” Atwater Mayor Paul Creighton said.\u003c/p>\n\u003cp>Creighton said the governor is abandoning the small city even as he devotes more resources and federal money to combat a virus surge in the Central Valley. Creighton said sentiment in his city of 29,000 seems to be running about 80-20 in defiance of the governor.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Newsom was granted the power to block the money in the new state budget that took effect earlier this month. The cities lost the first one-sixth of their money but can get the rest if they rescind their resolutions, Office of Emergency Services spokesman Brian Ferguson said.\u003c/p>\n\u003cp>Atwater is eligible for $389,000 and Coalinga for $216,000 in assistance through the state’s Coronavirus Relief Fund.\u003c/p>\n\u003cp>On Monday, Newsom announced he would spend $52 million in the Central Valley to improve virus testing and provide other help to residents in the region. The state is also sending strike teams of health care workers to help hospitals handle the additional cases.\u003c/p>\n\u003cp>California Health and Human Services Secretary Dr. Mark Ghaly said Tuesday the rate of hospitalizations statewide is slowing and in some parts even flattening.\u003c/p>\n\u003cp>“We don’t see that in the Central Valley,” he said.\u003c/p>\n\u003cp>Merced County on Monday reported its highest-ever number of virus hospitalizations, while Fresno County is just below its highest level. Health officials in the two counties did not respond to telephone and email requests for comment on the cities’ defiance.[aside tag=\"coronavirus\" label=\"More Related Stories\"]\u003c/p>\n\u003cp>Virus cases in California started surging in early June, and in early July Newsom reimposed shutdown orders on many businesses while also barring indoor religious services and in-school instruction for students in most of the state.\u003c/p>\n\u003cp>Atwater’s City Council made it clear it won’t enforce the state’s public health order and Coalinga’s City Council approved a resolution calling all businesses “essential” and thus able to remain open despite the state’s shutdown orders.\u003c/p>\n\u003cp>The money from the state fund would have gone to help local businesses hard hit during the pandemic, to buy more personal protective equipment, and to more education and outreach, he said.\u003c/p>\n\u003cp>“Everything we need that money to do, we’re not going to be able to do now,” Creighton said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>City officials would like to sue the state, he said, but can’t afford to fight that battle.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Gov. Gavin Newsom is using new powers to withhold money from two cities in the Central Valley that are defying his health orders by allowing all businesses to open during the pandemic.\u003c/p>\n\u003cp>Newsom blocked nearly $65,000 from Atwater in Merced County and more than $35,000 from Coalinga in Fresno County, the first installments of $2.5 billion in federal funds that cities and counties across the state risk losing if they don’t toe the line on coronavirus safeguards.\u003c/p>\n\u003cp>The state’s Office of Emergency Services sent letters to the cities last week notifying officials that they risked losing more money if they didn’t withdraw resolutions defying the state’s orders. The city councils in both cities met Monday and stuck with their resolutions.\u003c/p>\n\u003cp>“We chose our path and we prepared for it,” Atwater Mayor Paul Creighton said.\u003c/p>\n\u003cp>Creighton said the governor is abandoning the small city even as he devotes more resources and federal money to combat a virus surge in the Central Valley. Creighton said sentiment in his city of 29,000 seems to be running about 80-20 in defiance of the governor.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Newsom was granted the power to block the money in the new state budget that took effect earlier this month. The cities lost the first one-sixth of their money but can get the rest if they rescind their resolutions, Office of Emergency Services spokesman Brian Ferguson said.\u003c/p>\n\u003cp>Atwater is eligible for $389,000 and Coalinga for $216,000 in assistance through the state’s Coronavirus Relief Fund.\u003c/p>\n\u003cp>On Monday, Newsom announced he would spend $52 million in the Central Valley to improve virus testing and provide other help to residents in the region. The state is also sending strike teams of health care workers to help hospitals handle the additional cases.\u003c/p>\n\u003cp>California Health and Human Services Secretary Dr. Mark Ghaly said Tuesday the rate of hospitalizations statewide is slowing and in some parts even flattening.\u003c/p>\n\u003cp>“We don’t see that in the Central Valley,” he said.\u003c/p>\n\u003cp>Merced County on Monday reported its highest-ever number of virus hospitalizations, while Fresno County is just below its highest level. Health officials in the two counties did not respond to telephone and email requests for comment on the cities’ defiance.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Virus cases in California started surging in early June, and in early July Newsom reimposed shutdown orders on many businesses while also barring indoor religious services and in-school instruction for students in most of the state.\u003c/p>\n\u003cp>Atwater’s City Council made it clear it won’t enforce the state’s public health order and Coalinga’s City Council approved a resolution calling all businesses “essential” and thus able to remain open despite the state’s shutdown orders.\u003c/p>\n\u003cp>The money from the state fund would have gone to help local businesses hard hit during the pandemic, to buy more personal protective equipment, and to more education and outreach, he said.\u003c/p>\n\u003cp>“Everything we need that money to do, we’re not going to be able to do now,” Creighton said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>City officials would like to sue the state, he said, but can’t afford to fight that battle.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>\u003cb>As COVID-19 Cases Spike, Pressure Mounts for New Relief Deal\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">California Gov. Gavin Newsom announced that on Tuesday the state had recorded more than 12,000 new coronavirus cases — its largest daily total yet. California now has the largest number of COVID-19 cases in the nation, surpassing New York, and California’s rates of hospitalization and death due to the respiratory illness have also soared in recent weeks. Meanwhile, on Capitol Hill, Senate Republicans are struggling to craft a new round of federal aid. Although the White House dropped its demands for a payroll tax cut, which some GOP lawmakers opposed, big divisions remain over the scope of the relief package as unemployment benefits for millions of Americans are set to expire next week. Democrats on Capitol Hill are pushing for a $3 trillion relief package passed in the House of Representatives in May that would include aid to states like California facing massive budget deficits. Also this week, President Trump announced that the Republican National Convention that was set to take place next month in Jackson, Florida, has been canceled, citing concerns about the state’s surging rate of infections. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Scott Shafer, KQED politics and government senior editor\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Marisa Lagos, KQED politics and government correspondent\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Criminal Justice Reforms in Santa Clara County\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">The national reckoning over racial injustice and police misconduct has reverberated throughout society and sharpened demands for criminal justice reforms — nationally and locally. This week, Santa Clara County District Attorney Jeff Rosen announced he would no longer seek the death penalty in all cases. \u003c/span>\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">He also announced the creation of a new board for greater public oversight into police misconduct.\u003c/span>\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">But some — including Santa Clara County Public Defender Molly O’Neal — argue that more needs to be done to change the culture of policing following the revelation last month of racist and anti-Muslim posts made on a private, now deactivated Facebook group comprised of current and former San Jose police officers. \u003c/span>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Jeff Rosen, Santa Clara County district attorney\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Molly O’Neal, Santa Clara County public defender\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Pandemic Throws Baseball a Curveball\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">On Friday, the Oakland Athletics will play their opening day game against the Los Angeles Angels at RingCentral Coliseum in Oakland as Major League Baseball returns for a new, shortened season upended by the coronavirus pandemic. New rules and health guidelines are making the 60-game season unlike any other, for fans and players alike. Stadiums across the country are closed to the public to help lower the spread of the coronavirus. Some MLB teams, including the Oakland A’s, made cardboard cutouts of loyal fans to place in the stands, since spectators — for now, at least — are barred from attending games. Socially distanced seating will now also be required in the dugouts, as will frequent coronavirus testing among coaches and players, some of whom have decided to opt out of the season over health and safety concerns. \u003c/span>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cb>Guest:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Mark Willard, host, “The Mark Willard Show” \u003c/span>\u003c/li>\n\u003c/ul>\n\n",
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"info": "Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.",
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"soldout": {
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"title": "SOLD OUT: Rethinking Housing in America",
"tagline": "A new future for housing",
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