Resources to Help You Recover from Financial Hardship resulting from COVID-19


Whether you are an employee, business owner, student, or family affected by Covid-19, the following resources are a starting point to help you cope and recover financially. If you are looking for non-financial resources and information, please visit the library's Covid-19 information page.

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Unemployment assistance for employees

Cash or monetary assistance

Student loan assistance

Nutrition and food assistance, and well being assistance

Resources for business owners and employers


Unemployment assistance for employees

Individuals who have lost their job as a result of COVID-19 can visit the Illinois Department of Employment Security (IDES) website to apply for unemployment. 

10 things to know before applying for unemployment insurance in Illinois, including a link to file your claim.

See the FAQ's on Unemployment in Illinois on the State of Illinois Coronavirus response page.

Unemployment insurance claimants must also register with the employment service: Employment Service Registration Requirements

For additional information, Call IDES at 1.800.244.5631 or visit the IDES website

Are you looking for a job? Lake County is maintaining a list of opportunities.

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Updated 8-5-20

Cash or monetary assistance

Temporary Rental Assistance information

Rental Assistance and Affordable Housing in Lake County

  • The Lake County COVID Housing Relief Program (CHRP) provides rent and utility assistance for eligible households financially impacted by COVID-19. If you are a Lake County resident and need help paying rent or utility bills, please call 211. To learn more about the Lake County COVID Housing Relief Program:
  • Per Governor Pritzker’s COVID-19 Executive Order No.45, between March 20, 2020 and August 22, 2020 (subject to further extension by the Governor), all state, county and local enforcement must cease and owners cannot file for eviction, except where a tenant poses a direct threat to the health and safety of other tenants, an immediate and sever risk to property or a violation of a building code, health ordinance or similar regulation. This applies to all property in Illinois.


  • The Illinois Housing Development Authority is developing programs for Emergency Rental Assistance and Emergency Mortgage Assistance for households who have lost income due to COVID-19. Both programs are under development currently.

    • Applications for Emergency Rental Assistance will be available on August 10

    • Applications for Emergency Mortgage Assistance will be available on August 24

    • Please visit for applications and additional information.

  • To apply for funding, providers need a current license from the Department of Children and Family Services, and must be open and caring for children at the time of application. Businesses must also be able to provide evidence of pandemic-related business interruptions.

​​​​​​​Cash assistance for pregnant women and families with children: Temporary Assistance for Needy Families

Financial assistance for musicians: The Recording Academy MusiCares or Musicians Foundation

Financial assistance for bartenders, spouses of bartenders, or children of bartenders: Bartender Emergency Assistance Program

The City of Chicago and the State of Illinois have collaborated on a relief fund for artists and art organizations. Learn more here about Arts for Illinois. Donate or Apply for funding here.

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Student loan assistance

Coronavirus and Forbearance Information for students, parents, and borrowers

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Updated 8-5-20

Nutrition and food assistance and well being

Supplemental Nutrition Assistance Program can help you and your family purchase groceries. To find out if you are eligible or to get help with your application, visit or call 844-600-7627.

The Northeastern Illinois Food Bank can also be a useful resource in feeding you and your family. Find your nearest pantry at

Moraine Township Food Pantry

West Deerfield Township Food Pantry

Contact Lake County's 211 to be connected with someone well-versed in Lake County organizations and operations that will direct you to services, resources, and help. On a phone, text 898211 or dial 211.

Apply for health insurance

Apply for Illinois Medicaid

Centers for Disease Control (CDC): COVID-19 protection and steps if you think you are sick

Illinois Department of Health: State of Illinois COVID-19 info

Lake County Health Department & Community Health Center: Lake County COVID-19 info


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Resources for business owners and employers

Updated August 5, 2020

If you are an essential employer who is hiring, complete the Job Opportunity Form and a Lake County Job Center team member will get in touch with you. 

Employers seeking to avert layoffs can access and use Rapid Response Layoff Reporting & Services

Find the PPE you need to safely operate your business in phase 3. See the Lake County Partners list of vendors here


Consider chatting with the experts at the Small Business Development Center (SBDC) at the College of Lake County (CLC). Or, sign up to receive updates from the SBDC at CLC.

19351 W. Washington St.
Grayslake, IL 60030
Room E186
Phone: (847) 543-2033
Fax: (847) 223-9371


The CDC has a list of resources for businesses and employers

See a list of resources compiled by the State of Illinois that are part of the Coronavirus response.

FAQ's on the Food Service Industry from the State of Illinois Coronavirus response page.


A very thorough list of resources and programs related to the impact of Covid19 put together by the Illinois DCEO office of Entrepreneurship, Innovation and Technology can be found here. This document will be updated daily.


Financial resources for businesses:

See the IRS Guide on Coronavirus Tax Relief. Taxes have been delayed until July 15, 2020.

Sales Tax Deferral for Bars and Restaurants: IDOR's informational bulletin.


Lake Forest and Lake Bluff both have set up grant programs for businesses. Find the Lake Forest application here, and the Lake Bluff application here. Questions from applicants can be directed to or


Covid19 Business for All Grant- This grant is for up to 50k to support business growth, including 10k emergancy grants for small businesses in Crisis. Apply here.



Paycheck Protection Program Fact Sheet (PPP): The PPP authorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. Access the PPP Loan Application Form, which re-opened to application on July 6, 2020. Qualifying businesses and private non-profits must have fewer than 500 employees. Can also apply to independent contractors. Applications are due August 8, 2020.

The PPP is based on historical average wages over the most recent 12 months or calendar year of 2019. Up to 10 million, average monthly payroll determines eligibility. 75 percent or more of the loan funds must be proven to be used on payroll expenses (including non-cast benefits), and the average employee head count must be maintained for the loans to qualify for forgiveness. Must be through an SBA approved lender. No collateral or personal guarantee required.

Find PPP FAQs and guidance from the U.S. Treasury on PPP loan forgiveness here

Access the PPP Loan Forgiveness Application.

A list of all eligible lenders based on your zip code can be found here


SBA Funding Options

  • SBA Loan - Borrower Information Form. “The purpose of this form is to collect information about the Small Business Applicant (“Applicant”) and its principals, the loan request, indebtedness, information about current or previous government financing, and certain other topics. The information also facilitates background checks as authorized by section 7(a)(1)(B) of the Small Business Act, 15 U.S.C. 636(a)(1)(B). This form is to be completed by the Applicant and all individuals identified below and submitted to your SBA Participating Lender.”
  • SBA Economic Injury Disaster Loans & EID Loan Advance: Recently re-opened for applications on June 15! The first part comes in the form of a grant of $1,000 per employee, up to $10,000. The second part is a low interest loan where the SBA determines the amount you are eligible to receive, with a loan term of 30 years. Restrictions and applicant requirements apply. Learn more here
  • A working capital loan can be used for anything that a business would have been able to pay normally had Covid19 not happened. Learn about SBA 7a loans here.
  • SBA loan subsidy program: as a part of the CARES Act, the SBA will pay 6 months of all existing SBA loans. Does not apply to the PPP. This is supposed to happen transparently, lenders are supposed to contact qualifying loans and let borrowers know that they should not make payments. If a payment was made during the time period, the lender should ask the borrower if the borrower wants a refund or if the borrower wants the payment applied to the principle.
  • Express Bridge Loan Pilot Program--”This pilot program allows SBA Express Lenders authority to deliver expedited SBA-guaranteed financing on an emergency basis for disaster-related purposes to eligible small businesses, while the small businesses apply for and await long-term financing.”


State of Illinois

Business Interruption Grants (BIG) Program - seeking applicants who have experienced an interruption or property damage due to civil unrest, or, have experienced exacerbating economic impacts due to Covid19. Application period begins June 26. See the eligibility criteria.


Illinois Small Business Emergency Loan Fund

May 13, 2020 Update - The IL Small Business Emergency Loan Fund is currently at capacity in regard to the number of applications that can be processed.


Child Care Restoration Grants

The Governor and the Illinois General Assembly has directed at least $270 million of the state’s Coronavirus Urgent Remediation Emergency (CURE) Fund to support the economic health of child care providers as our economy reopens in the coming months.  As part of CURE, the Business Interruption Grants (BIG) Program is specifically designed to support businesses who endure lost revenue due to the COVID-19 public health emergency.  

The Department of Commerce and Economic Opportunity in partnership with the Illinois Department of Human Services is charged to develop the grant program for licensed child care. The Child Care Restoration Grants will be administered by the Illinois Network of Child Care Resource & Referral Agencies (INCCRRA).


Find further business resource links, information, and partners on the Lake County Partners website.


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