Thehave expired with no other current plan in place, leaving millions of people across the US waiting to see everything the will contain. Currently, Republican and Democratic leaders are in negotiations over the that could extend some lost benefits to help Americans relieve financial stresses during the .
When the Senate announced the HEALS Act on July 27, there was no mention of renewing but the proposal would extend enhanced unemployment (in a more limited way), add a and offer a "return-to-work bonus" of up to $450 per week.
Here's what we know today, what to do now that protections are over and when new benefits could take effect. This story is updated with new information.
What benefits did the CARES Act cover?
The, an additional $600 per week on top of standard unemployment wages. It also temporarily restricted landlords from evicting tenants for not paying rent.
What does it mean for me that these protections have lapsed?
If you're still receiving unemployment benefits, you'll no longer receive the extra $600 per week on your check. That ended July 26 for all Americans when the CARES Act effectively expired (the official end date was July 31). If and when a new economic relief package passes, it looks unlikely that enhanced benefits will still be $600, but rather between.
July 25 saw the end of the federal eviction protections that temporarily kept landlords from removing tenants who haven't paid rent. If you're issued an eviction notice, your landlord is required to give you 30 days to vacate the premises. That gives youbefore your landlord can file to have you legally removed from your home. See below for some options.
How many people are affected by the CARES Act benefits ending?
As of July 11, over 30 million people were claiming unemployment benefits. In the week ending July 25, 1.4 million people filed for unemployment for the first time, according to the Department of Labor, marking the 19th straight week of new claims. These people are eligible to receive their usual unemployment benefits, without the $600 extra weekly assistance afforded by the CARES Act.
What, if anything, can I do?
There are few legal protections now that the CARES Act has ended. You can see if your state, county or city has issued an eviction moratorium. If you're behind on rent, try reaching out to your landlord if you haven't yet and see if there's a payment plan you can work out until you're back on your feet, like lowering the monthly payment or pausing your payments. See here for.
You can also seek additional assistance from a local housing coalition that may be able to help you remain in your house or find emergency housing if needed.
Another option is to apply for a, which offers deferred repayment options so you don't have to start paying it back immediately. The loan amounts range from $500 to $5,000 with low interest rates.
What happens next?
The debate over the next stimulus package is ongoing and fierce. If a new bill is passed by Aug. 7 -- before the Senate is scheduled to go on recess for a month -- it's possible stimulus checks could go out as early as. That could also be around the time other benefits begin or return.
If you're one of the millions of Americans trying to figure out what the next steps are, we've got more information to help you. Here's the, and .