COVID-19 Resources


We at Nextep care about the safety and well-being of you, our people.

During this difficult time, COVID-19 (also known as coronavirus) has left many people in the workplace unsure of what comes next. While the situation is changing every hour, there are some resources that can help now.

In the meantime, we're taking precautions to keep business running on our end. Your paychecks will continue to arrive accurate and on time, and our experts will still be here to answer your questions.

Here, you'll find many resources to help you and your business through the COVID-19 poandemic, including guidance on PPP loans, free webinars, links to government assistance, health care info, and much more.

We're here to help you through this uncertain time.

Click here to read more about Nextep's business continuity during this time.



Under the CARES Act, the Paycheck Protection Program (PPP) allows qualified businesses to receive low interest, forgivable loans to pay for payroll, rent, mortgage, and utilities.



Frequent Questions: Payroll Protection Loans


  • Which piece of legislation enabled this loan and what is it used for?

    The CARES Act provides loans and financial assistance to small businesses impacted by the COVID-19 pandemic. This particular one, offered by the Small Business Administration (SBA), is called the Paycheck Protection Program (PPP). Through this PPP loan program, businesses have the opportunity to apply for a federal loan to help make payroll, mortgage, lease, and utility payments.

    The loan period is February 15, 2020 through July 30, 2020 at an interest rate not to exceed 4 percent. Payments are deferred for six months and can be extended up to one year after receiving the loan.

  • What sort of information might banks ask for?

    It varies, but here's a sample list of documents your bank may ask for:

    • SBA Loan Application
    • 2019 total and 2020 YTD payroll calculations
    • List of employees, pay rates, and expected wages during the 8-week period
    • 2019 profit & loss and balance sheet
    • Summary of rent, utility, and debt expenses with notes of expected changes

    Contact your banker for a specific list of documents. Nextep can provide the payroll reports needed for this loan to our clients. Please reach out to your Nextep payroll specialist and we will be happy to provide this information.

  • Who is eligible for this loan?

    In order to be eligible for a loan, a business must:

    • Have fewer than 500 employees
    • Have been in operation on February 15, 2020
    • Have paid employees or 1099 contractors
    • Make a "good faith certification that the uncertainty of the current economic conditions are making a loan necessary and it's necessary to support the business's ongoing operations."
    • Acknowledge funds will be used to retain employees, make payroll, and pay a mortgage, lease, or utility payment

    Read more about loan eligibility from the US Chamber of Commerce.


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Education From Our Experts

Our experts deliver free webinars discussing the latest COVID-19 developments and more. Register now!


UPCOMING: Legislative Updates

Register for our upcoming HR news & legislative updates webinar, where our HR experts will answer your questions about new laws, compliance, best practices, and what it all means for your workplace.

When: Friday, July 31, 2020, 10:00 AM Central


Loan Forgiveness and Supreme Court rulings

A new application for PPP loan forviveness has been released by the US Traesury. Also, the Supreme Court recently made two rulings that have a huge impact on the workplace. Join our HR experts as we discuss these important topics in our latest FREE webinar.

Original Air Date: June 26, 2020


PPPFA, Plus Diversity

Diversity has been a big topic in the news and workplace. We discuss that, plus details of the PPPFA.

Original Air Date: June 10, 2020


Find Your Footing in an Upside Down World

During times of crisis, we know two things:

  1. People in your company need to be resilient and have a sense of well-being to meet the new demands, and
  2. You as a business owner need to be as effective as possible in your leadership to be able to survive and thrive in the coming months.

Special guest Cristina Filippo, Ph.D., an organizational psychologist, has been working with organizations for 15 years and knows the levers that need to be pulled to ensure that your company is performing at the highest level possible. She shares insights and tips on best practices for ensuring the people side of your business is well taken care of.

Original air date: May 29, 2020


PPP Loan Forgiveness

Nextep's HR experts discuss Paycheck Protection Program (PPP) loan forgiveness guidance.

Original air date: May 21, 2020



Depending on state and local laws, many employees will be returning to the office soon. We answer your questions.

Original Air Date: May 15, 2020



Our experts discuss getting back to work, handling unemployment claims, and PPP loans.

Original Air Date: May 8, 2020



We've been living with COVID-19 for some time. Many business owners are wondering: what comes next? We'll discuss, plus answer your questions.

Original Air Date: May 1, 2020


Reopening America

The White House has released plans for reopening America. We discuss returning to work, HR 6201, CARES Act funding, and answer your questions.

Original Air Date: April 24, 2020


Expanded Unemployment

In this webinar, we recap HR 6201, discuss expanded unemployment under the CARES Act, and what it all means for your business.

Original Air Date: April 17, 2020


COVID-19 Absence Codes

Under HR 6201, employees are allowed paid absences due to COVID-19 related illnesses. We discuss how to administer them in the workplace.

Original Air Date: April 10, 2020



The CARES Act includes unemployment expansion and individual payments. Learn about this and small business loans.

Original Air Date: April 3, 2020


Sheltering in Place

Under Shelter in Place orders, workplaces are adapting to a new normal. We talk through working from home, plus the latest legislation.

Original air date: March 27, 2020


Decoding HR 6201

HR 6201 passed on March 18, offering relief for small businesses. Get a rundown from our experts on what this means to you.

Original air date: March 20. 2020


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Thre are a lot of considerations as we cautiously return to work at the office. Below are the reopening phases, as outlined by The White House. Each state and local will follow their own specific plans.


The road back to "business as usual" might not be a linear one. Your community may fly through phases and then have a setback. Flexibility and adaptability are key during this pandemic while we learn to navigate the next normal. Read more about each phase and what it means for your workplace in our blog.


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The Families First Coronavirus Response Act (FFCRA) includes paid sick leave and expanded unemployment benefits.

The CARES Act adds relief in the form of loans or tax credits to small businesses, plus payments to individuals. Our experts have broken down both into understandable terms. See what it means for you.


Health Resources

Aetna health services


For qualified members, Aetna offers a $0 copay for COVID-19 testing and treatment, plus all teleheath visits.

CVS pharmacy


For your safety, CVS pharmacies are temporarily offering free prescription delivery via mail.

telehealth services with Teladoc


Avoid the hospital if possible; members can get diagnoses from health professionals over the phone.


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Are you still receiving a paper paycheck? Uncertainties about delivery could delay your pay. Sign up for direct deposit or a paycard today and receive your paycheck on time!


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Answers to Your Questions

For complete questions and answers, please click the download button below each section.


  • Is Nextep still open?

    Since we provide paychecks, benefits, workers' compensation, and file payoll taxes on behalf of our clients, Nextep is an essential business and has remained open for business as usual. Don't fear - our advanced technology allows most of our employees to work from home and continue uninterrupted services to you during this time. Read more about how Nextep's workforce is responding to COVID-19 on our blog.



  • What records do I need to keep when my employee takes paid sick leave or expanded family and medical leave?

    Private sector employers that provide paid sick leave and expanded family and medical leave required by the FFCRA are eligible for reimbursement of those costs through refundable tax credits. If you intend to claim a tax credit, keep appropriate documentation in your records. Visit for applicable forms and instructions to claim a tax credit, including any substantiation needed. You are not required to provide leave if materials to support the tax credit haven't been provided.

    If one of your employees takes expanded family and medical leave to care for his or her child whose school or child care provider is unavailable due to COVID-19, you may also require your employee to provide additional supporting documentation to the extent permitted under conventional FMLA leave requests. (such as a notice posted on a day care website, or published in a newspaper, or an email from an employee or official of the school, place of care, or child care provider.)



  • Can I cancel my benefits to save money and add them back once I am working again?

    Only certain benefits can be added back on after cancelling. Pet insurance, for example, may be added back at any time, while medical would have to wait until the next open enrollment. However, certain COVID-19-related conditions, such as reduction in hours, may create a federally-approved qualifying event that will allow off-schedule changes to your plans. Please contact your benefits specialist for individualized help.

  • What happens to my benefits if I am not currently working but still employed with the company?

    Your benefits will stay active as long as you are an active employee with your company. The employer will pay the monthly cost for your benefits during your leave. Once you return to work, you will need to contact Nextep immediately to avoid all missed deductions being withheld from your first paycheck back after your leave. Nextep's benefit team can setup a payment plan to help you get caught up on any of your missed benefit deductions.


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You need technology that keeps up with you, whether you're in the office or at home. You should be able to access everything, regardless of which device you're using.

Your Nextep mobile app delivers all of your employment-related information such as paystubs and benefits to your fingertips. Manage your info anytime, anywhere, and on your own terms.


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We're here to help! Whether you have questions about how The Families First Coronavirus Response Act or the CARES Act applies specifically to you, would like to submit a question for our next free webinar, or just need to know what happens next, our experts are here for you.

Contact us by chat in your Nextep account, email, by calling 888.811.5150, or by completing the form below. We look forward to hearing from you and doing what we can to help during this time.