Over the past week, we know you’ve been inundated with information regarding the various SBA and federal loans, grants and other support related to the CARES Act and COVID-19. Information was changing daily (and sometimes multiple times a day) and in an effort to push out the information we shared updates through various multiple email announcements and blog and social media posts. Now that things have slowed down slightly we wanted to take a step back and pull all that those important bits of information into one place. We hope you find this post a valuable resource and one-stop-shop as you work through the process of applying for support for your practice.

April 17, 2020- CARES ACT Provider Relief Fund Payment Attestation Portal Now Open

The CARES Provider Relief Fund Payment Attestation Portal is now available through

As a reminder, you must sign an attestation confirming receipt of the funds and agree to the terms and conditions within 30 days of payment. Should you choose to reject the funds, you must also complete the attestation to indicate this. The Payment Portal will guide you through the attestation process to accept or reject the funds. Not returning the payment within 30 days of receipt will be viewed as acceptance of the Terms and Conditions.

Details from the original email are available below in the April 7, 2020- CARES Act Relief Fund article for your information.

APRIL 7, 2020- CARES Act Provider Relief Fund

Part of the CARES Act includes $100 billion in relief funds to hospitals and other healthcare providers on the front lines of the coronavirus response. This funding will be used to support healthcare-related expenses or lost revenue attributable to COVID-19 and to ensure uninsured Americans can get testing and treatment for COVID-19.

Who is eligible for funds from the initial $30 billion?

Billing entities who received Medicare fee-for-service (FFS) reimbursements in 2019 are eligible for this initial rapid distribution. You will automatically get this money deposited into your bank account or sent to you in the mail via check.

How are payment amounts determined?

Providers will receive a portion of the initial $30 billion distribution based on their share of total Medicare FFS reimbursements in 2019. Providers can obtain their 2019 Medicare FFS billings from their organization’s revenue management system.Example:

   Example: Clinic billed medicare 20,000 in services for 2019 = $1,239.00

How to figure reimbursement = 20,000/484,000,000,000×30,000,000,000 = 1239.00

*our wording is taken from the governemnt website & they use reimbursments and services, we recommend you calculate your amount based on payments/reimbursements

How will payments be distributed?

HHS is partnering with UnitedHealth Group to deliver funds. You will receive payment within two weeks via Automated Clearing House (ACH). The automatic payments will come via Optum Bank with “HHSPAYMENT” as the payment description or via check in the mail.Payments to practices that are part of larger medical groups will be sent to the group’s central billing office. All relief payments are made to provider billing organizations based on their Taxpayer Identification Numbers (TINs).

What action should I take?

Within 30 days of receiving the payment, you must sign an attestation confirming receipt of the funds and agreeing to the terms and conditions of payment.Terms and conditions can be found on The CARES Provider Relief Payment Portal for signing the attestation will be open the week of April 13, 2020, and will be linked from you don’t want to accept the funds, you must call & ask what to do if you are NOT signing the attestation!

Learn more CARES Act Provider Relief Fund here.


APRIL 1, 2020- Breaking News Regarding The Disaster Loan Assistance Program

The government has added a $10,000 GRANT — Yes, GRANT – to the SBA Disaster Loan Assistance Program. If you are approved, it’s free money!

Again, this grant is offered through the SBA Disaster Loan Assistance Program. Application for the grant is automatic when you apply for an EIDL loan. Don’t worry if you applied for the EIDL last week.   The SBA will include you for the grant award if you get an EIDL loan. So, there is no need to apply again!

To qualify for this grant, you must apply here if you haven’t already applied for the SBA disaster loan.

Here in Minnesota, US Bank is a well-known bank that we use to keep connected with these types of things.  If US Bank is located in your area, and you’d like additional information and next steps as the SBA Paycheck Protection Program is finalized, please complete the US BANK inquiry form: Paycheck Protection Program inquiry form.

US BANK JUST NOTIFIED US that if you fill out their online Paycheck Program inquiry form, they will email you a digital link to the application ONCE it becomes available.You will not be completing a PDF version of the application form. Instead, they will be forwarding an electronic sign-up link to complete the application online once they are reading to begin accepting applications.

If you do not have US Bank in your area, you will want to reach out to your local banker to see how they can help you with this process.

If there is anything else you have questions with, please don’t hesitate to contact us and we would be happy to help!


APRIL 1, 2020- Webinar Replay: Don’t Panic!—Prepare- Paycheck Protection Program

In case you missed our Webinar: Don’t Panic!— Prepare- Paycheck Protection Program: watch the recording below.

We have also included a Coronavirus Emergency Loans: Small Business Guide and Checklist to help you answer questions and guide you in the next steps of the process if you choose to take advantage of this program.

Also, here are a few questions from today webinar that I didnt answer during the webinar but wanted to make sure to address:

Q:   If I pay a provider (locum tenens) as an independent contractor do they count as part of my payroll & does any independent contractor count towards my payroll total?

A:   There is no perfectly clear answer to this …..YOU as the clinic SHOULD add the amount you paid the independent contractor to your payroll average, specifically if they are an independent contractor working at JUST your clinic. BUT in the end the bank will decide how much of their payroll you can use . IT ALSO states that the INDEPENDENT Contractor can file for their own loan (more likely a situation where they travel & work at multiple clinics)

(see more information on the PDF document Coronavirus Emergency Loans: Small Business Guide and Checklist page 3)

Q:   What happens if I have an employee who makes over $100,000 per year salary.

A:   Here is how it reads that they will work with this:

Your employees:   John $110,000 + Jane $50,000 + Deb $40,000 = $200,00 total payroll but now MINUS $10,000 for John’s overage = $190,000 NEW total payroll

Take your payroll $190,000 /12 = 15,833 per month is now your average payroll they will use to figure out your 8 week of payroll requirement & your 2.5 multiplier.

So if you are paying him approx $110,000 per year or 9,166 per month –you can only include 8,333 per month towards your required payroll amount. You can still pay him the larger amount it just only gets credited at the lower amount for your payroll total when calculating the Loan Forgiveness.

(see more information on the PDF document Coronavirus Emergency Loans: Small Business Guide and Checklist page 3)

If US Bank is located in your area, and you’d like to be notified about this program, please complete the US BANK inquiry form: Paycheck Protection Program inquiry form. If you do not have US Bank in your area please be sure to reach out to your local banker to see how they can help you with this process.


MARCH 30, 2020- Paycheck Protection Program

We wanted to make sure you are all aware of the federal loan that was passed for the Paycheck Protection Program.

Here in Minnesota, US Bank is a well-known bank that we use to keep connected with these types of things.  I don’t know if US Bank is present where you are located BUT regardless, I encourage all of you to call your banker and make sure you are ready for this & get on top of it FAST.  Very Very quickly…you need to be ready & on top of this one!

The government is talking about handing out this money within 48 hours of loan approval.

This loan is money intended for you to use for your payroll and if used correctly, it will most likely will be a debt forgiven.  I am not usually an advocate for taking government money.  However, in my opinion, this is an issue we did not cause, could not control, nor foresee the way the government was going to react by closing down establishments.

Personal feelings aside, I encourage all of you to apply for this funding.  Your business matters not to your employees, to your patients, and is necessary in helping keep your community thriving.

If US Bank is located in your area, and you’d like to be notified, please complete the US BANK inquiry form: Paycheck Protection Program inquiry form. If you do not have US Bank in your area please be sure to reach out to your local banker to see how they can help you with this process.

To learn more about The Paycheck Protection Program please join us tomorrow, March 31, 2020 at 1:00 CST for a special webinar Don’t Panic!— PREPARE- Paycheck Protection Federal Loan Program. After registering, you will receive a confirmation email containing information about joining the webinar.

If you are in need of more detailed information feel free to reach out to me personally.  We are all getting through this together!

Harriet Holasek


MARCH 23, 2020- Don’t Panic!— Prepare Webinar

In case you missed our webinar: Don’t Panic!— Prepare: Watch the recording below!

We have added a list of links for Minnesota business owners, including federal links that would apply to all states. We want to ensure you get fact-based information on executive orders, unemployment for team members, resources for you, and current updates on COVID-19. If you are not a MN provider, many of these same resources are availabe in your state.

Your chiropractic association can be a great resource. The following link is for the Wisconsin Chiropractic Association (which includes some federal info) and is a great example of helpful information & resources:


  • Disaster Loan Program to get Minnesota eligible –
  • Fill out the form to activate the Economic Injury Disaster Loan (EIDL) program which would provide assistance to eligible businesses and non-profits impacted by COVID-19.


  • Disaster Loan Program –
  • Click on Eligible Disaster Areas. Once Minnesota becomes eligible, you can then click Apply Online. We must get businesses to fill out the Disaster Loan Program in order to get Minnesota eligible.
  • MN Governors Executive Orders –
  • Check it regularly as new information is changing daily, sometimes hourly. If you are not in MN, you will want to check for something similar in your state.
  • Department of Employment –


A good source of information – check occasionally:


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