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Stimulus checks2020-08-07T02:38:56+00:00

How it helps
U.S. residents and citizens with an adjusted gross income of $75,000 or less (adjust this figure to $112,500 for head of household or $150,000 for married filing jointly) will receive a one-time stimulus check for $1,200. That number increases by $500 for every child under 17. The amount is determined based on your 2019 personal tax returns, but if you have not filed yet, it will be based on your 2018 returns.

To be eligible, you must have a work-eligible Social Security Number and not be a dependent on someone else’s tax return.

How to get it
These payments will be sent to you directly via mail or direct deposit (however you normally receive a tax refund) and are expected to begin going out in April 2020. If you filed your tax returns in 2018 or 2019, no action is required on your part. If not, click on the links below for more information on how to obtain your check.

Additional resources
IRS’s FAQs

Paycheck Protection Program (PPP) loans2020-08-03T17:38:29+00:00

How it works
As one of two new loan programs, the PPP loans are designed specifically to provide small businesses and the self-employed (like independent contractors) with cash support. The loan amount you are eligible for is 2.5 times your average monthly payroll expenses—which can include payroll and health insurance premiums for W-2 employees, but not payments to ICs (more on this below). ICs can apply in their own right for up to 2.5 times their monthly “payroll” expenses—which includes their average “salary” and health insurance premiums.

Importantly, almost the entire amount of the PPP loan may be forgiven (no payback requirement) when applied toward qualifying expenses. These qualified expenses include items such as payroll costs and other designated business expenses listed in the CARES Act.

Because these loans will be available through a list of approved lenders, some terms may vary but the interest rate will be 1% on the portion of the loan that is not forgiven.

Things to consider
As of the guidelines released by the Small Business Administration (SBA) on April 3, contracting companies cannot use payments made to or on behalf of ICs as part of their “payroll” costs. This directly impacts the maximum loan amount, the authorized use, and the eligibility for loan forgiveness. ICs also do not count as employees for determining the size limits for PPP relief (500 or fewer employees). The rationale for this appears to be that independent contractors can apply for their own PPP loan and other relief. As a result, much of the language in the CARES Act appears to only be applicable to employees (not contractors), so we encourage you to discuss these matters with your own legal counsel.

Additional resources
SBA’s PPP Interim Final Rule (clarifies guidelines in relation to independent workforces)
Treasury Department’s borrower fact sheet
Sample application (learn what information to provide to your bank or credit union)

Economic Injury Disaster Loans (EIDLs) and advances2020-08-07T02:38:56+00:00

How it works
EIDLs are the second of the two loan options available to small businesses and self-employed individuals through the CARES Act. These low-interest, flat-rate loans can be used to cover expenses like paid leave, payroll or lost revenue due to the pandemic.

When you apply through the SBA website, you may be able to obtain an advance of up to $10,000 and receive it in as little as three days. When used on covered expenses, this advance does not have to be paid back, even if you end up being denied for the loan itself.

Things to consider
Once again, ICs are small businesses, meaning they can apply for EIDLs by entering their own information in the business section of the application. This, however, raises additional questions: What if ICs incorrectly list a contracting company as their employer? Could such documentation have future ramifications on potential misclassification claims? These are matters to discuss with your legal counsel.

Additional resources
Chamber of Commerce step-by-step application guide
EIDL terms and conditions

Unemployment benefits2020-08-07T02:38:56+00:00

How it helps
Self-employed individuals, independent contractors, and gig workers do not usually qualify for unemployment benefits, but the CARES Act for the first time broadens the eligibility guidelines to include independent workers, meaning qualifying independent contractors have a direct claim for unemployment benefits under their own tax ID. The expanded program runs through December 31, 2020, and provides retroactive benefits from January 27, 2020.

The revised benefits add 13 weeks of unemployment payments to most states’ usual 26, increasing availability from six to nine months. States are required to use the Disaster Unemployment Assistance Program formula to determine the amount you will get. An additional flat weekly sum will be added on top of that for the first 4 months someone collects unemployment.

How to get it
If you want to apply for these benefits, you’ll need to prove you are either partially or fully unemployed, or unable and unavailable to work because of the circumstances related to COVID-19. Because as an independent contractor, you are self-employed, you’ll want to use your own EIN or SSN when asked for your employer’s tax ID number. As noted above, doing so allows you to aggregate revenues from all independent contractor sources in eligibility calculations. For more information, head to your state’s Department of Labor website or use the link below.

Note: The current unprecedented demand may cause delays in application processing and receiving funds.

Additional resources
How to apply for unemployment benefits (resources for every state)
Pandemic Unemployment Assistance information for ICs

Unemployment benefits2020-08-03T17:42:32+00:00

How it works
Self-employed individuals such as ICs do not usually qualify for unemployment benefits, but the CARES Act for the first time broadens the eligibility guidelines to include them—meaning qualifying ICs have a direct claim for unemployment benefits under their own tax ID. The expanded program runs through December 31, 2020, and provides retroactive benefits from January 27, 2020.

The revised benefits add 13 weeks of unemployment payments to most states’ usual 26, increasing availability from six to nine months. States are required to use the Disaster Unemployment Assistance Program formula to determine the amount received. An additional flat weekly sum will be added on top of that for the first 4 months someone collects unemployment.

Things to consider
ICs can apply for these benefits if they can prove they are either partially or fully unemployed, or unable and unavailable to work because of circumstances related to COVID-19. To do so, they will provide their own EIN or SSN when asked for their employer’s tax ID number. However, several possible concerns exist related to this process, including a lack of clarity related to the mechanisms a state unemployment agency will use to process such a claim and what happens if an IC incorrectly lists a contracting company as their “employer.” (See the sample response below if an IC lists your company as an employer.)

The CARES Act as it pertains to ICs does not reference contributions by an employer or contracting company of an IC-claimant, suggesting that it intends to offer federally funded unemployment coverage directly to the ICs (rather than employer-contribution funded). However, several possible concerns exist related to this process, including a lack of clarity related to the mechanisms a state unemployment agency will use to process such a claim and what happens if an IC incorrectly lists a contracting company as their “employer.” In addition, what happens to the supply chain if unemployment benefits exceed an ICs’ normal pay, causing ICs to opt for unemployment coverage over performing their usual services? Once again, these are questions to discuss with your legal counsel.

Additional resources
Sample Response to a CARES Act UI Claim

Paid sick and family leave tax credits2020-08-07T02:38:56+00:00

How it works
Although independent contractors are not usually included in paid sick leave benefits (though some states may have laws that include them), the FFCRA entitles eligible self-employed individuals to a paid sick or family leave tax credit.

The paid sick leave credit is available to an IC if they are unable to work or telework while under quarantine or are experiencing symptoms of coronavirus and seeking medical attention. They may receive a credit of up to $511 per day (up to $5,110 for 10 days) or 100% of their average daily income for up to 10 days—whichever is less.

A paid family leave credit is available if the leave is taken to care for a sick individual or child at home due to a school closure. The credit amount is either $200 per day or 67% of their average daily income for up to 50 days.

Note: Under this act, daily average self-employment income is calculated as self-employment net earnings for the taxable year divided by 260.

Things to consider
If an IC meets the criteria, they can claim the credit on their returns for the 2020 tax year—this tax credit comes directly from the IRS, meaning it is independent of any connection to a specific contracting company. However, keep in mind that it also means ICs may take leave for up to 50 days for reasons related to coronavirus.

Additional resources
IRS paid sick leave FAQs for the self-employed

Tax filing deadline extensions2020-08-07T02:38:56+00:00

How it works
The IRS has moved the tax filing deadline for individuals and businesses from April 15 to July 15, 2020, which includes first-quarter tax payments (second-quarter payments are still due on June 15). Although anyone can take advantage of the extension, those who choose to file early will receive expedited tax refunds.

Things to consider
You don’t need to take any specific actions, but you should check with your tax preparer to see if you’ll need to adjust quarterly payments based on projected income.

Additional resources
IRS Filing and Payment FAQs
IRS Tax Resources (see the Tax Help section)

Payroll tax deferments2020-08-07T02:38:56+00:00

How it works
The CARES act allows employers to delay certain types of payroll taxes, including Social Security and Medicare. These deferred taxes are required to be repaid over the next two calendar years—one half by December 31, 2021, and the other by December 31, 2022. Self-employed individuals such as ICs can also defer half of their self-employment taxes.

Things to consider
Specific requirements for tax filings are still pending from the IRS. For more information, check the IRS Coronavirus page below and contact your accountant or tax preparer to discuss the options available.

Additional resources
IRS coronavirus tax guidance

Tax refunds for business losses2020-08-07T02:38:56+00:00

How it helps
Under the CARES Act, small businesses and independent workers who pay themselves within a corporate structure (such as S-corporations and sole proprietorships) can now carryback up to five years of net operating losses (NOLs) for tax years 2018, 2019 and 2020. In short, this means some taxpayers will be able to receive additional refunds on taxes previously paid.

How to get it
Get in touch with your tax preparer to estimate your business losses for 2020 and file amended returns to potentially receive refunds for previous years.

Tax refunds for business losses2020-08-03T17:45:04+00:00

How it works
Under the CARES Act, businesses can now carryback up to five years of net operating losses (NOLs) for tax years 2018, 2019 and 2020. In short, this means some taxpayers will be able to receive additional refunds on taxes previously paid.

Things to consider
Consult with your tax preparer to estimate your business losses for 2020 and file amended returns to potentially receive refunds for previous years.

Early retirement fund access2020-08-07T02:38:56+00:00

How it helps
The CARES Act allows individuals under 59 ½ years of age to withdraw up to $100,000 from retirement plans such as 401(k)s or IRAs without incurring the 10% early withdrawal penalty tax. You may also pay tax on income from the distribution over three years. This option should be carefully evaluated and discussed with your plan provider.

How to get it
Contact your retirement plan provider to discuss early withdrawals and set up repayment terms. Anyone can apply if they have a 401(k) or IRA and are suffering health or financial impacts from COVID-19.

Additional resources
IRA and Retirement Plan Changes in the CARES Act

Other help2020-08-03T17:37:57+00:00

These government aid packages offer a slew of additional assistance options that you may be eligible for, including:

  • A halt on foreclosures and evictions by lenders of mortgages backed by federal agencies for 60 days starting March 18, 2020. Read the official announcement from the U.S. Department of Housing and Urban Development.

 

  • Forbearance of mortgage loans where the individuals holding the loans can prove economic hardship as a result of COVID-19. Read up on how to get more help with your mortgage.

 

Paycheck Protection Program (PPP) Loans2020-08-07T02:38:56+00:00

How it works

As one of two new loan programs, the PPP loans are designed specifically to provide small businesses and the self-employed (like independent contractors) with cash support. The loan amount you are eligible for is 2.5 times your average monthly payroll expenses—which can include payroll and health insurance premiums for W-2 employees, but not payments to ICs (more on this below). ICs can apply in their own right for up to 2.5 times their monthly “payroll” expenses—which includes their average “salary” and health insurance premiums.

Importantly, almost the entire amount of the PPP loan may be forgiven (no payback requirement) when applied toward qualifying expenses. These qualified expenses include items such as payroll costs and other designated business expenses listed in the CARES Act.

Because these loans will be available through a list of approved lenders, some terms may vary but the interest rate will be 1% on the portion of the loan that is not forgiven.

Things to consider

As of the guidelines released by the Small Business Administration (SBA) on April 3, contracting companies cannot use payments made to or on behalf of ICs as part of their “payroll” costs. This directly impacts the maximum loan amount, the authorized use, and the eligibility for loan forgiveness. ICs also do not count as employees for determining the size limits for PPP relief (500 or fewer employees). The rationale for this appears to be that independent contractors can apply for their own PPP loan and other relief. As a result, much of the language in the CARES Act appears to only be applicable to employees (not contractors), so we encourage you to discuss these matters with your own legal counsel.

Additional resources

SBA’s PPP Interim Final Rule (clarifies guidelines in relation to independent workforces)
Treasury Department’s borrower fact sheet
Sample application (learn what information to provide to your bank or credit union)


Paycheck Protection Program (PPP) loans2020-08-03T17:53:17+00:00

How it helps
The new PPP loans are designed specifically to provide small businesses, including independent contractors, gig workers and sole proprietors, with cash support. The loan amount you are eligible for is 2.5 times your average monthly “payroll” expenses—which can include your own “salary” and health insurance premiums. What can be treated as “salary” is dependent on how you operate your business (e.g., are you incorporated, are you a sole proprietor, are you an independent contractor reporting on Schedule C). For example, for unincorporated independent contractors, your salary may be most easily determined by looking at the net profit listed on Schedule C of your tax return. If you contract with and provide services to multiple contracting companies, this is aggregated in the analysis.

If you have already filed your 2019 taxes, or prepared a 2019 return, this number is reported on line 31 of the Schedule C. If you have not filed your 2019 taxes but have accurate bookkeeping completed for all of 2019, this will be the Net Profit line on your Income Statement. Your Openforce account can help supply documentation to support these numbers. Please contact your tax advisor or business consultant for assistance in this regard.

You may also want to check applicable time limits —i.e., have you been operating your business (or rendering independent contractor services) prior to February 15, 2020?

Importantly, almost the entire amount of the PPP loan may be forgiven (no payback requirement) when applied toward qualifying expenses. These qualified expenses include items such as “payroll” costs (see above) and other designated business expenses listed in the Act.

Because these loans will be available through a list of approved lenders, some terms may vary but the interest rate will be 1% on the portion of the loan that is not forgiven.

How to get it
The PPP loans will be available through approved banks and credit unions, so consult with yours directly to see if they are participating in the program. No personal guarantee or collateral is required.

Additional resources
Treasury Department’s borrower fact sheet
Chamber of Commerce’s complete guide to the PPP
Chamber of Commerce’s PPP checklist
Sample application (learn what information to provide to your bank or credit union)

Economic Injury Disaster Loans (EIDLs) and advances2020-08-03T17:54:04+00:00

How it helps
EIDLs are one of two loan options available to self-employed individuals through the CARES Act. These low-interest, flat-rate loans can be used to cover expenses like paid leave, payroll (even if that means simply paying yourself), or lost revenue due to the pandemic.

When you apply, you may be able to obtain an advance of up to $10,000 and receive it in as little as three days. When used on covered expenses, this advance does not have to be paid back, even if you end up being denied for the loan itself.

How to get it
You can fill out a simple application online through the SBA website. Because, as an independent contractor, you are your own small business, you would enter your own information in the business section of the application. Qualification is based solely on your credit score. But again, you may be eligible for the $10,000 advance even if you don’t qualify for the loan. These are available on a first-come, first-served basis.

Additional resources
Chamber of Commerce step-by-step application guide
EIDL terms and conditions

Unemployment benefits2020-08-07T02:38:56+00:00

How it helps
Self-employed individuals, independent contractors, and gig workers do not usually qualify for unemployment benefits, but the CARES Act for the first time broadens the eligibility guidelines to include independent workers, meaning qualifying independent contractors have a direct claim for unemployment benefits under their own tax ID. The expanded program runs through December 31, 2020, and provides retroactive benefits from January 27, 2020.

The revised benefits add 13 weeks of unemployment payments to most states’ usual 26, increasing availability from six to nine months. States are required to use the Disaster Unemployment Assistance Program formula to determine the amount you will get. An additional flat weekly sum will be added on top of that for the first 4 months someone collects unemployment.

How to get it
If you want to apply for these benefits, you’ll need to prove you are either partially or fully unemployed, or unable and unavailable to work because of the circumstances related to COVID-19. Because as an independent contractor, you are self-employed, you’ll want to use your own EIN or SSN when asked for your employer’s tax ID number. As noted above, doing so allows you to aggregate revenues from all independent contractor sources in eligibility calculations. For more information, head to your state’s Department of Labor website or use the link below.

Note: The current unprecedented demand may cause delays in application processing and receiving funds.

Additional resources
How to apply for unemployment benefits (resources for every state)
Pandemic Unemployment Assistance information for ICs

Paid sick and family leave tax credits2020-08-03T17:55:30+00:00

How it helps
Although independent contractors are not usually included in paid sick leave benefits (though some states may have laws that include them), the FFCRA entitles eligible self-employed individuals to a paid sick or family leave tax credit. This is independent of any connection to a specific contracting company.

The paid sick leave credit is available to you as an IC if you are unable to work or telework while under quarantine or are experiencing symptoms of coronavirus and seeking medical attention. You may receive a credit of up to $511 per day (up to $5,110 for 10 days) or 100% of your average daily income for up to 10 days—whichever is less.

A paid family leave credit is available if the leave is taken to care for a sick individual or child at home due to a school closure. The credit amount is either $200 per day or 67% of your average daily income for up to 50 days.

Note: Under this act, your daily average self-employment income is calculated as your self-employment net earnings for the taxable year divided by 260.

How to get it
If you meet the criteria, you can claim the credit on your returns for the 2020 tax year. However, if you need it earlier, you may instead be able to deduct the amount of the credit you’re eligible for from your quarterly estimated tax payments.

Get in touch with your tax preparer to find out more about how this works, and remember to keep all medical records, notices of school closures and similar documentation.

Additional resources
IRS paid sick leave FAQs for the self-employed

Tax filing deadline extensions2020-08-03T17:56:23+00:00

How it helps
The IRS has moved the tax filing deadline for individuals and businesses from April 15 to July 15, 2020, which includes first-quarter tax payments (second-quarter payments are still due on June 15). Although anyone can take advantage of the extension, individuals who choose to file early will receive expedited tax refunds.

How to get it
You don’t need to take any specific actions, but you should check with your tax preparer to see if you’ll need to adjust quarterly payments based on your projected income.

Additional resources
IRS Filing and Payment FAQs
IRS Tax Resources (see the Tax Help section)
File Your Taxes Online for Free

Payroll tax deferments2020-08-03T17:57:03+00:00

How it helps
Self-employed individuals are required to pay self-employment taxes, usually quarterly. The CARES act, however, allows employers to delay these types of payroll taxes, and the self-employed are no exception: you can defer half of your self-employment taxes for over a year. These deferred taxes are required to be repaid over the next two calendar years—one half by December 31, 2021, and the other by December 31, 2022.
How to get it
Specific requirements for tax filings are still pending from the IRS. For more information, check the IRS Coronavirus page below and contact your accountant or tax preparer to discuss the options available.
Additional resources
IRS coronavirus tax guidance

Tax refunds for business losses2020-08-07T02:38:56+00:00

How it helps
Under the CARES Act, small businesses and independent workers who pay themselves within a corporate structure (such as S-corporations and sole proprietorships) can now carryback up to five years of net operating losses (NOLs) for tax years 2018, 2019 and 2020. In short, this means some taxpayers will be able to receive additional refunds on taxes previously paid.

How to get it
Get in touch with your tax preparer to estimate your business losses for 2020 and file amended returns to potentially receive refunds for previous years.


Who is Flexible WorkForce (“Flex”) and what do they do?2020-08-03T18:10:23+00:00

Flex is competitive SaaS platform/solution providing on-boarding, compliance, settlement and insurance services focused almost entirely on the courier market. Similar to Openforce, the Flex platform provides their clients with an end-to-end solution to establish automated workflows and processes. They recruit, enroll, and settle IC’s based on their client requirements.

Why is Openforce purchasing Flex?2020-08-03T18:10:23+00:00

We are really excited about these two great companies coming together to combine “forces” and provide greater value to our clients and ICs.

When did the purchase occur?2020-08-03T18:10:23+00:00

The purchase was finalized and effective on April 19, 2019.

Are Rob Slack and Kirk Godby now a part of Openforce?2020-08-03T18:10:22+00:00

Both Rob and Kirk are going to continue to bring their expertise, relationships, and knowledge to the industry and the Openforce team. Rob and Kirk have both become employees of Openforce and serve as Co-Presidents of the Flexible Workforce division.

Who are Rob Slack and Kirk Godby?2020-08-03T18:10:22+00:00

Rob is a 40 plus year veteran in the courier industry was the Co-President of Flexible Workforce. His career began as a delivery driver and courier in 1975. Rob has served on the board of the MCAA for over 20 years and is a past president of the CLDA. Rob founded, sold, and managed several companies over his long tenured career. Rob also served as President and COO at SCI for 15 years.
Kirk is a 26-year veteran of the final mile delivery industry and was Co-President of Flexible Workforce. His career began in 1993 when he founded Corporate Couriers in Ft. Worth, TX. In 2006, he opened another location in Austin, TX. Kirk sold his business in 2012 and moved on to work for SCI as their National Business Development Director and Executive team member where he served for almost 5 years. Kirk served 12-years as a board member of the CLDA and served as President from 2014-2016. Kirk received his BBA degree from Texas Christian University, and resides in Fort Worth, TX with his wife, Kelley, and two daughters. Kirk enjoys fishing and thoroughbred horse racing.

Is Ryan Kelly still CEO?2020-08-03T18:10:22+00:00

Yes. He is the CEO of Openforce, and the Flex teams will roll up under him.

Will the product that I use change?2020-08-03T18:10:22+00:00

No. Nothing will change in your platform or processing. We will, of course, look for ways to bring the best of both platforms to all of our customers.

Will there be business structure changes?2020-08-03T18:10:22+00:00

There are no plans for any business structure changes. Our commitment is to our clients and Independent Contractors. With that in mind, we will continue to focus first on ways to streamline the enrollment experience, provide more recruitment tools, and mitigate compliance risks as our priorities.

How will this impact my Independent Contractors?2020-08-03T18:10:22+00:00

Our number one commitment is to you, our clients, and ultimately your Independent Contractors. We are looking to make recruitment, enrollment, and retention easier so ICs can join your workforce sooner and more efficiently. Both teams will be working hard to make that happen.

Will the Flexible Workforce name change?2020-08-03T18:10:22+00:00

No changes are planned to names but Flexible Workforce will now be a part of Openforce.

Will anything change about the way we are servicing clients?2020-08-03T18:10:22+00:00

Nothing will change in the way we are servicing our clients or ICs.

Can the clients still call the same support person?2020-08-03T18:10:22+00:00

Yes.

What happens to the client’s existing contract with Flex?2020-08-03T18:10:22+00:00

All contracts will remain in effect.

Will the Flexible WorkForce website change?2020-08-03T18:10:22+00:00

Eventually, yes. The Openforce marketing team will assess and work with the Flex team to best understand the needs of all of our clients and potential clients to create one exciting new website that encompasses all that we offer.

Who should I, the client, go to for questions?2020-08-03T18:10:22+00:00

You can continue to reach out to your designated account representative or contact with questions.

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