COVID-19 Stimulus Payment Information & Scam Alerts

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By Debbie Gregory.

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By now you most likely know that the United States government is sending out economic impact payments or “stimulus” checks to many of its citizens. With these checks come criminals who would like to see that money in their pockets instead of yours.


We want to cover below in this article who should be getting a stimulus check as well as what scams are going on targeting these checks.


Who will get a stimulus check?

  • A person who filed a federal tax return in either 2018 or 2019
  • People who receive Social Security or other retirement benefits
  • People who receive public benefits like SSDI, disability, or veterans’ benefits
  • People who do not have to file a federal tax return, including people who made no income or made less than $12,200 (or $24,400 for married couples)


Eligible individuals do not need a minimum income for the Payment.

However, for higher income individuals, the Payment amount is reduced by 5% of the amount that your adjusted gross income exceeds:

  • $75,000 for individual taxpayers
  • $112,500 for taxpayers filing as head of household
  • $150,000 for taxpayers filing a joint return), until it is $0.


The $1,200 Payment for eligible individuals with no qualifying children ($2,400 for married couples filing a joint return) will be reduced to $0 once adjusted gross income reaches the following thresholds:

  • $198,000 for taxpayers filing a joint return
  • $136,500 for taxpayers filing as head of household
  • $99,000 for all others


How do you get your check?

Most people will not have to do anything. You will either receive your stimulus check through the United States mail or through direct deposit. The IRS will use the same payment method that you selected for them to use for your tax return (if applicable) in either 2018 or 2019.


If you have questions you can go directly to the IRS’ site at

For example:

  • If the IRS doesn’t have your direct deposit information and you would prefer they directly deposit your check simply click on “Get My Payment” and let them know where to send your direct deposit
  • If you don’t usually file a tax return, click “Non-filer” to figure out what you need to do to claim your money, if anything
  • To check on the status of your payment, click on “Get My Payment”


Avoiding Stimulus Payment Scams:

Unsurprisingly criminals are targeting these stimulus checks. What should you be on the lookout for? Some criminals are trying to convince people that they need to pay a fee to receive their stimulus payment, you do not have to pay any fee(s). They are also trying to get people to give them their Social Security number, bank account number, or government benefits debit card account number, DON’T!

  • Only use the IRS’s official website ( to submit information to the IRS regarding your stimulus check
  • The IRS will NEVER contact you by phone, email, text message, or social media with information about your stimulus payment
  • The IRS will NEVER ask you for your Social Security number, bank account, or government benefits debit card account number
  • There are zero fees that you need to pay in order to get your stimulus money


If you have seen any of these types of scams please report them to the Federal Trade Commission at


If you want more information or simply wish to keep up with the latest scams, sign up for the FTC’s consumer alerts.


By Debbie Gregory.

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The DPA is a powerful tool to be employed to protect the nation.  Now that the nation’s industries are responding to the crisis, the best use of the DPA is as surgical tool for specific issues and as leverage to prompt best behavior and information sharing.

Elected members of the House and Senate now speak of the act daily. It’s also very much in the media.

The Defense Production Act first came into being in 1950 as the Truman administration realized it needed more authorities to mobilize the industrial base to fight the Korean War. The act has been re-authorized by Congress some 50 times since then, undergoing significant revision along the way.

The revisions made took basic two forms. Authorities no longer needed such as those dealing with requisitioning, rationing, wage and price-fixing, and labor disputes—were dropped.

Other revisions have broadened the original narrow definition of national defense.  It now extends to such things as energy security, space security and national disasters.

Of the seven original titles in the DPA, three remain—Titles I, III, and VII.  Here is a quick description to help understand what is taking place today with the COVID-19 crisis.

  • Title I broadly contains the priorities and allocation authorities. The priorityauthority allows the federal government to ensure the timely availability of critical materials and services produced in the private market in the interest of national defense, and to receive items through contracts before any other competing interest. The allocation authority gives the president the power to allocate or control the general distribution of materials, services, and facilities.

The Department of Defense is the most frequent user of Title I, using it to insert priority clauses into its contracts. These provisions requiring contractors to give the Pentagon preference over all other customers in delivering goods or services.

In 2018 the department did this over 300,000 times. The Pentagon used its highest rating to prioritize the delivery of Mine Resistant-Ambush Protected (MRAP) vehicles for the Iraq War, as well as to obtain body armor for troops. The other federal departments use priority ratings much less. The Department of Homeland Security (DHS) used DPA-rated contracts only about 2,000 times in 2018, mostly for hurricane response.

The President has delegated his DPA authorities to the appropriate cabinet secretaries. On March 18, he signed Executive Order 13909 delegating his priorities authority to the Secretary of Health and Human Services (HHS).  This marked what the President and the media referred to as “invoking the Defense Production Act.”

Five days later, President Trump signed Executive Order 13910 giving HHS the allocations authority under Title I to stop hoarding and price gouging for medical equipment and supplies.  This authority has already been used in at least one instance to seize hoarded masks and protective equipment.

In the following week, the White House started to get specific about how to wield these authorities. On March 27, the president issued a memorandum telling HHS Secretary Alex Azar to direct General Motors to accept and prioritize contracts for ventilator production. Then, on April 2, the President signed two additional memorandums: the first directing 3M Company to ramp up N95 mask production; the other directing Azar to speed up delivery of component parts to the big manufacturers of ventilators.

  • Now, let us look at Title III. It allows the President to provide grants and loans to develop, maintain, and expand domestic production capacity for resources needed for national defense.

Again, the Pentagon has been the most frequent user of these authorities, using them to provide money—typically in amounts less than $50 million—to companies to help shore up a recognized deficiency in the defense industrial base.  In the last year or two, the Defense Department has used Title III authority to help assure access to rare earths, explosives, and lithium seawater batteries.

In a typical year, the Pentagon asks for about $30 million for the Title III DPA Fund.  In 2020 it sought $34 million.

In terms of recent activity using Title III authorities, the newly-enacted CARES Act appropriates an unprecedented $1 billion to the DPA.  It is anticipated that most of that funding will go to medical manufacturing, including for vaccines and therapeutics. The CARES act also eliminates certain limits on DPA funding and reporting requirements.

The President also delegated his Title III authorities to his HHS and DHS secretaries. (DHS is involved because it controls FEMA, the Federal Emergency Management Agency.) Now, both departments can make direct investments in U.S. corporations to increase their capacity to manufacture medical supplies and equipment.

  • The final section of the DPA, Title VII, contains a grab bag of authorities. The one most pertinent today is probably the authority for the government to enter voluntary arrangements with private companies.  Arrangements which, in normal circumstances, might look like sole-source contract awards, are thus permissible using Title VII.

For example, companies have approached the White House offering to make goods such as N95 respirators. Normally such transactions must be openly competed and competitively awarded. Title VII authorities provide for exceptions.

So, that is the DPA in a nutshell: Title I—priorities and allocation authorities; Title III—direct investments, and Title VII—voluntary agreements.

It’s likely that every one of the thousands of contracts being issued by the Defense Department and FEMA to fight the COVID-19 emergency have a DPA Title I rating.. And now that the federal government has developed a better understanding of the situation, General Motors has been directed to produce ventilators, 3M to make respirators, and ventilator parts suppliers to make more. Additional use of DPA authorities is likely in the coming weeks.

Over the last two weeks, we have seen may private like Ford and Toyota volunteer to partner with medical companies to make ventilators; Honeywell, 3M, Hanes, and others to make millions of N95 masks; and Anheuser Busch, Baccardi, and scores of boutique distillers to make hand sanitizer.

The DPA is a powerful tool to be employed to protect the nation.


COVID-19 Impact & USERRA

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SHARING FROM THE U.S. Department of Labor / Published April 21, 2020

During these challenging times, our nation’s Guardsmen and Reservists are answering the call to duty to protect the health and well-being of all Americans. We owe a duty to them to ensure full compliance with the employment and reemployment rights of the Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA)

The Veteran’s Employment and Training Service (VETS) interprets and provides guidance on USERRA and investigates complaints filed under this law. VETS offers the following frequently asked questions and answers:

Does this fact sheet create new USERRA rights and obligations in light of COVID-19?

No. The statute and regulations still govern USERRA rights and obligations. This factsheet addresses some scenarios that might arise from the application of USERRA in the context of this pandemic.

Does a member of the National Guard or Reserves who is called to active duty in response to the COVID-19 emergency have employment and reemployment protections under USERRA?
  • Yes, if called to duty under federal authority. National Guard or Reserve duty under federal authority (such as Title 10 or Title 32) is covered by USERRA.
    • National Guard duty under state authority, commonly referred to as State Active Duty, is not covered under USERRA. However, members of the National Guard serving on State Active Duty may have similar employment protections under state law and should contact the appropriate state office for assistance.
    • Note that the authority under which orders are issued can change, even in the course of a service member’s performance of service.
Can a service member be furloughed or laid off upon return from uniformed service?
  • Yes, if it is reasonably certain that he or she would have been furloughed or laid off had he or she not been absent for uniformed service.
May an employer delay a service member’s reemployment out of concern that the service member’s service in a COVID-19 affected area may have exposed him or her to COVID-19?
  • No. If the employee satisfies the prerequisites to reemployment, the employee should be promptly reemployed in the job position that he or she would have attained with reasonable certainty if not for the absence due to uniformed service.
    • Promptness generally depends on the length of time an individual was away, ranging from the next day after returning from duty, if the deployment was relatively short, to up to fourteen days in the case of a multi-year deployment.
    • When reemploying a service member who might have been exposed to COVID-19, an employer must make reasonable efforts in order to qualify the returning employee for his or her proper reemployment position. This can include temporarily providing paid leave, remote work, or another position during a period of quarantine for an exposed reemployed service member or COVID-19 infected reemployed service member, before reemploying the individual into his or her proper reemployment position.
Where to Obtain Additional Information:

Important USERRA-related resources and compliance assistance materials for employees and employers are available through the Veterans’ Employment and Training Service website at, which contains a USERRA elaws Advisor, FAQs, fact sheets, and links to the statute and implementing regulations. Our toll-free information and helpline, available 8:00 a.m. – 8:00 p.m. Eastern Time, is 1-866-4-USA-DOL (1-866-487-2365). The Department of Defense’s Employer Support of the Guard and Reserve also provides resources available at

U.S. Department of Labor                             1-866-4-USA-DOL
200 Constitution Ave NW                              TTY: 1-877-TTY-5627
Washington, DC 20210



Coronavirus Resources for Veterans

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By Debbie Gregory.

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Are you a Veteran looking for resources, information, and assistance during this pandemic? We have compiled a list of resources just for you. If you are experiencing any symptoms of COVID-19 contact your local VA hospital immediately by phone. They will assist you further.

VAMBOA, the Veterans and Military Business Owners Association is working hard to provide you valuable and timely information.   We also want to say that we send everyone our heartfelt best wishes during this most challenging time in our history.  Stay well and check out our posts too on Twitter: and FB:



U.S. Department of Veterans Affairs (VA):

The VA has their own dedicated website on the Coronavirus that includes links to resources as well as tips to remain healthy and prevent the spread of COVID-19. Visit

The VA also posts regular blogs that include really helpful information. Visit


U.S. Federal Government:

The U.S. Federal Government also has a dedicated website filled with the most up-to-date information and guidance on the Coronavirus. Visit


The Centers for Disease Control (CDC):

The CDC’s website shows up-to-date information on the number of cases currently reported and gives guidance for protecting yourself from infection and what you should do if you, or a loved one, become sick. They also offer resources for traveling, schools, childcare, businesses, community, and more. Visit


The U.S. Food and Drug Administration (FDA):

The FDA’s website tracks the medical product and food supply chains for potential shortages and disruptions. The site also has information about ventilators, testing kits, monitoring vital signs, and more. Visit


The U.S. Department of Agriculture :

The U.S. Department of Agriculture’s site has information about food safety as well as pet safety. Visit


Finances & Scams:

Scammers are taking advantage of fears surrounding the coronavirus pandemic. Their scams range from robocalls, fake online stores, fake vaccines or medicines, and even fake officials. Worried about scammers? The Federal Trade Commission (FTC) has a page on their website dedicated to helping people avoid coronavirus scams. Visit

Another good place to look for information to protect your finances from scammers is The Consumer Financial Protection Bureau/s website includes information on how to handle consumer complaints, protecting your credit, dealing with debt, and much more. Visit


Small Business Administration (SBA):

If your small business has been impacted by the pandemic, The SBA’s website is filled with information and resources to help you put together a plan to weather this, loans to help you get through the next few months, directories for people to partner with, counsel, mentor, or train, along with a wealth of other resources.

Even if you are self-employed, you may now be entitled to Unemployment Benefits so check your state and remember that the federal government may increase your state weekly benefits by another $600.    You probably need to file online and it takes time and patience but it will be a big help to you.



The U.S. Department of Housing and Urban Development’s website has helpful information for homeowner relief and HUD assisted residents. Visit


Social Security and Medicare:

If you receive social security and need information on any potential changes please visit

If you receive Medicare and need information on any potential changes please visit Their site also includes information about testing, hospitalizations, and what is covered.


Individual States Department of Public Health:

Every U.S. state has its own Department of Public Health. If you need more information from your specific state please visit and select your state to go to their website.


Blood Donations:

The American Red Cross is in urgent need of blood and platelet donations. They are urging all healthy, eligible individuals who are feeling well to give. Donating will help maintain sufficient blood supply levels and prevent shortages as the pandemic continues. Visit their website at or call 1-800-RED CROSS (1-800-733-2767) to schedule an appointment.


The Federal Emergency Management Agency (FEMA):

FEMA is working closely with the U.S. Department of Health and Human Services on our COVID-19 pandemic response. FEMA is aware that there is a lot of misinformation out there about COVID-19 and to help combat false information they have a rumor control page with the latest facts–versus myths–on the federal response. Visit

FEMA also has a page dedicated to how you can donate or volunteer, if possible. Visit


Business Owner Tips To Avoid Scams – from the FTC

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As a business owner, you’ve seen the headlines about financial relief that may be available to some companies through the Small Business Administration (SBA). But you’ve also heard about scammers who extract a grain of truth from the news and distort it in an effort to cheat small businesses. Now more than ever it’s critical for small business owners to go straight to the source for accurate information about what’s happening at the SBA. And that source, of course, is the Small Business Administration’s dedicated page,

The SBA’s Coronavirus Small Business Guidance & Loan Resources page offers the latest information about the Paycheck Protection Program, Economic Injury Disaster Loans and Loan Advances, SBA Debt Relief, and SBA Express Bridge Loans. Yes, there are legitimate business groups and financial institutions sharing information, too. But given the number of fraudsters out to make a quick buck with bogus websites and phony email, your safest best it to go straight to the SBA by carefully typing the URL into the address bar at the top of your browser.

Here are more tips to help you avoid scams targeting small businesses:

  • Scammers often mimic the look and feel of legitimate email.You’ve been warning your employees for years about email phishing attempts. Fraudsters have upped their game in response. They’ve been known to copy logos of financial institutions and government agencies, including the SBA, and use wording that sounds familiar. They also manipulate email addresses so that a message looks to be from a legitimate source – but isn’t. That’s why it’s dangerous to respond to those emails. Instead go directly to the SBA site.
  • Don’t click on links.Say you get an email that says it’s from your bank or a government agency. Don’t click on any links. It could load malware onto your computer. If you think you may need to respond, pick up the phone and call the office directly, but don’t use a number listed in the email. That could be fake, too. Instead, search online for a genuine telephone number or call your banker using the number you’ve always used. Yes, now is a good time to keep in close contact with your financial institution, but employ the same established lines of communication you used before COVID-19 became a concern.
  • Be suspicious of unsolicited phone calls.Some scammers may try the personal approach by calling you and impersonating someone from a financial institution or government agency. Don’t engage in conversation. If you think you may need to respond, call using a number you know is legit.
  • Watch out for application scams.Some small businesses report they’ve received unsolicited calls or email from people claiming to have an inside track to expedite financial relief. The people contacting them may charge upfront fees or ask for sensitive financial information – account numbers, tax IDs, Social Security numbers, and the like. Don’t take the bait. It’s a scam. Applying for a loan was a step-by-step process before the Coronavirus crisis and it’s a step-by-step process now. That’s why the SBA’s gov/coronavirus site is the safest place for you to start.
  • Alert your employees to Coronavirus relief check scams.Most people have read the news about Coronavirus relief checks that many Americans may receive. The FTC Consumer Blog has advice about spotting relief check scams. Share the tips with your staffers, family, and social networks.

If you spot a potential Coronavirus-related scam, report it to the FTC at