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Here are a few programs we would like to have in order to further assist Americans due to the burden and confinement imposed/inflicted by the Corona Virus.

1) Financial assistance grant to buy and maintain a pet whether fish or puppy or cat. This is especially comforting for someone who lives alone or elderly. The people should have an exam in advance by their doctor to evaluate for allergies or other adverse condition and have to give medical clearance with their application for this assistance. Pet stores can get reimbursed by the government, pet insurance companies for doctor bills and medicines, pet stores or supermarkets supplying food and supplies can be reimbursed by the government.

2) A Financial Assistance grant to hire contractors if you qualify or discounted loan by the SBA or other home improvement lender or credit card that offers credit for home improvement but with a very low rate in order to make repairs on your home such as replacing poor condition old windows or broken heaters or ovens or cooktops, microwaves, all appliances, or damaged floors or stairs for safety purposes. Zero interest rates if low income Americans and Residents and the credit lenders can bill the government for interest rates of 2%. Alternately or in addition The government would have to set the rates from those lenders and mandate it including penalties to waive all balances or make the rate zero if the lenders violate the deal. Also, the government should support the Zero Interest Hebrew Loan Society as an option.

3) Discounted rates based upon HUD pricing like Xactimate specifies despite your city from Handymen, plumbers, electricians, contractors, etc for free and have them bill and get reimbursed by the government for low income Americans and elderly or disabled including Residents.

4) Free housecalls from doctors and nurses for the elderly if they need more than remote telemedicine evaluations. This would apply to those also on Medicaid, immunocompromised, other certain medically challenged patients, including mental illness, disabled, those with cognitive diseases even if they have a caregiver especially by family or low income patients. The doctors can bill and get reimbursed by the government. This would also apply to Residents besides American citizens. Also, all telemedicine consults shall be free to low income Americans and Residents. The doctors can bill the government in full or for outstanding co-pays after drs bill health insurance companies.

5) A waiver for those Americans to increase the maximum asset allowed by SSI or SSD to 5,000 from 2,000 in order for them to receive gifts or other financial assistance from families or others in order to afford the unexpected extra supplies and food that won’t be covered by monthly SNAP food stamps so they don’t have to lose their rent money to emergency supplies

6) Increase Food Stamp SNAP by $200 or more based upon special medical needs and dietary needs. 

7) For those who have life insurance that paid up the value of the policy, the life insurance company must not charge full monthly or quarterly or annual premiums, only affordable maintainance fees based upon net income.

8) Increase the maximum from two transfers per yesr to six for ABLE savings account owned by disabled Americans.

9) Double at least, the amount of deposits to the ABLE accounts from $15,000 to $30,000 per year. Optionally, base the amount on financial need due to extraordinary or increased medical challenges/hardship to be confirmed by doctors or nurses with a letter.

10) Allow low income to open an ABLE savings account not just disabled. If need be at the existing maximum of $15,000 deposits per year. Lift the max number of transfers from twice to unlimited until Corona crisis is over.

MAR 18, 2020 — 

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11) For the elderly, disabled, those living alone, and low income supply free wifi and a tablet hybrid notebook computer if they don’t have one or theirs is damaged so they can have access to resources online and Skype or Facetime relatives, friends, or people from work remotely in real time video. The wifi supplier can bill the government for reimbursement.

Persons can turn in the computer for a rebate if they decide. 

12) Mandate that Landlords should assist renters with a hardship program (to low income renters, infirmed, elderly, the unemployed with low assets, the disabled, and certain others,) that offers a waiver of the monthly rent bill for three months or until after they return to work and personally or their room mate recovers from Corona and once the Corona lockdown is lifted. The landlord would apply for reimbursement to the government and the landlord should get a grant in advance to bridge the time until he receives reimbursement for the difference. If the landlord does not waive the rent they should approve forbearance of the monthly rent bill, for the same time period or other program based upon net income and assets and/or medical or unique hardship. Additional assistance should be available besides those.

13) All assistance must be made available to low income, disabled, elderly, or other challenged Residents who had been or are employed not just American citizens.

14) Create a TV channel dedicated to the Corona Virus and stream all channels with subtitles about crucial Corona updates

15) Provide for the elderly, immunocompromised, disabled, infirmed, those with co-morbities - multiple pre-existing conditions, and certain others if not all once confined to home, to receive Corona tests at home taken by a phlebotomist that comes to each home. This should be made possible to all Residents and Americans in order to minimize spread of Corona so they don’t have to go to a hospital or expose themselves to others even at home. Alternately based upon patients capability, tests made be mailed to the patient and patient leaves it for pickup by the mailman for return. In the event patient needs help, their caregiver can assist. We need to ensure that the test is carried out without compromise and done/carried out correctly in order to maintain its accuracy. This method would best maintain quarantine so no additional even a phlebotomist has to enter the home and increase risk spreading Corona to these high risk patients.

16) Assign nurses to reach out to those who live alone, disabled, in-firmed, elderly, immunocompromised, those who are high risk or more prone to challenge. The nurse shall access symptoms by telemedicine or phone and monitor or direct the patient and if needed contact their doctor or hospital. This shall be free of charge to the patients who are low net income, etc. so there are no-copays after their health insurance pays. This also applies to those with no health insurance.

17) Offer grants towards low income, disabled, and others challenged, for studying towards getting a degree online. One way is to give the grants to the schools and/or direct to people to apply for and submit to schools online. This opportunity takes advantage of increasing productivity and development during the Corona confinement at home. 

18) Lower the minimum amount of 40 work credits that is required to get approved for Medicare health insurance and Social Security retirement benefits and collection of death benefits. The amount of the reduction should be based upon medical and financial hardship.

19) Temporarily suspend the loss of a widow’s spousal social security benefit. If a spouse dies, normally their social security is also cancelled and disappears from the household income, yet expenses may not change much. The deceased benefits should remain effective until Corona confinement ends, and the other spouse returns to work. This time shall be extended to retain the deceased benefits if the surviving spouse is gravely ill with the Corona virus or debilitated in the hospital or sick at home without a caregiver for at least a month and verified by a doctor’s exam/letter or hospital.

20) Fast track approval of applications for innocent spouse relief for IRS liabilities. Automatically approve all even if for one year.

21) Reduce the seven and ten year required period of time a tax or other debt lasts on credit reports down to five years or three years if the amount of liability is ten thousand or under. For those whose reports equal or exceed five years, cause the derogatory report permanently and completely removed. This would increase the FICO score enabling people to qualify for financial assistance by lenders for mortgages, rent, cars, businesses, etc

22) Free online therapy consults by medical drs for psychological counseling- one on one or group via telemedicine. Dr bills and gets reimbursed by the gov. The Corona confinement has already taken a toll stressing out everyone. We need support and maybe medicines to help get through this bad dream. Make emotional counseling mandatory for emotionally higher risk patients as determined by their nurse case manager or doctor or those or request it due to stress. There would be no co-pay to low income after insurance pays the medical bill. This therapy program would continue for a year after the Corona cricks is determined to be ended in order for the patient to transition safely. The doctors or therapists must be now trained in trauma and other appropriate types of psychological damage due to the enormity of the Corona crisis and its  impact upon the psychological state of people which inflicted justified heightened growing anxiety, fear, panic and shock, exacerbating depression and or other mental health conditions etc as a result of affecting the entire world, making those elderly, disabled, or pre-existing conditions of higher risk of exacerbating or compounding their pre-existing conditions.

23) Supply caregivers who may be immune to Corona having recovered unless they are a carrier. Immunocompromised, disabled, in-firmed, elderly and certain others similarly challenged, have the absolute need for help in order to carry out daily necessary activities and rely on caregivers, personal care aides or family or friends, etc. This poses an challenging dilemma when it comes to Social Distancing. That is not an option for this group. How do we get them the care and keep all parties low risk of giving each other Corona. If after recovery from Carona, a person is no longer a contagious carrier but immune, they may be a fit to be called upon if their lifestyle is compatible to dedicate as many hours as possible to personal care. Ideally as a 24 hour sleepover in order to quarentine everyone and eliminate the aide traveling back and forth to home or elsewhere risking catching and spread of Corona. However, those aides only get paid for 13 hours. The challenge then exists of aides available for 24hr shifts due to their other jobs they may be obligated to or need to keep normally to make ends meet or to get back to their family after the shift who take care of children. Their pay should increase at this time due to making themselves accessible and not being able to have a normal down time. In the event, that their children are older than 17, living at home, unless the have caregiving needs, the aide should be mandated to become a 24hr caregiver to the patient during this Corona Pandemic until further notice when it is determined that there is no concern for Corona spread at which time the aide would resume prior work and lifestyle as well as the patient.

Still the challenge exists who will be the caregiver for this group? Healthy isolation with nurses or pcas besides or instead of aides in hazmat suits? Grant managed long term care plans a budget to hire more personal care hours and higher level care that can administer medicine. Aides are limited to what they can do though the necessity is there. Increase the pay of the aides who must cover up head to toes, gloves, mask, suit, etc be made uncomfortable with the intense demanding task and toil in order to ensure stringent purified Corona free environment. Give the aides or personal care assistants, tax relief with a waiver and a check as an open budget for transportation to the patient. Social distancing and lockdown make buses and public transportation extremely dangerous or not possible and a hazard for the general public should they catch Corona and then that person inadvertently keeps passing it on. All aides after working at least one year at the discretion of the case manager and agreeable to the aide should be trained as a PCA or create a new category of type of personal care who can take on more tasks that the patient needs like administering medicines. Increase their salaries to meet those responsibilities. The quality and productivity of care should also in turn greatly increase. A win for all. The safest method to make caregiving happen as safely as possible so as to minimize spread of Corona and maintain quarantine/shut down of caregivers traveling home or elsewhere after the shift ends, the government should pay home care agency or if private the aide personally, to become a 24hour live in if the patient had been approved previously 6 hours or more or if otherwise their condition warrants it regardless of pre-existing hours so as all both caregiver and patient are quarantined. Extra funds for food and extra living expenses should be paid by the government to compensate for the aide’s loss of a second or third job that they would miss if they previously had one.

24) Lift all bridge toll charges for medical purposes. Issue a portable pass that can be worn and sticker for the vehicle if requested. Many personal care aides have had to incur toll fees, gas and other transportation expenses besides taxes at low pay to get to their patient. This has caused low attendance and disgruntled attitude due to unfairness / underpayment and labels of hard to serve areas depriving patients of desperately needed care. At this time avoiding the bus, it is still necessary to travel to the patient somehow if sourcing an aide come to their home is not possible unless the patient is taken out of their home temporarily to a more controlled sterile environment for around the clock care. This however causes unhealthy stress and discomfort to the patient being extracted out of their comfort zone that they recognize especially if cognitively impaired.

25) Free subscription to apps that encourge and cause psychological wellness. This includes music therapy, puzzles, movies, music classes, meditation, exercise like yoga and Tai Chi, skills like writing or painting, games like pool for healthy uplifting and fun distraction from these scary life and death crisis. And these should have features that let you interacte remote with each other so as to regain some connection.

26) Waive / cancel without penalty or negative credit report, debts or claims by the Department of Treasury that collected for SBA Hardship loans from prior environmental storms. The DOT penaluzes lateness by charging a $100,000 fee to people who could no longer pay or ran slow on their hardship agreement. Refrain from any reporting. Erase expunge prior derogatory reports by the SBA or DOT. Their fee is in bad faith crushing people who are already struggling only to try and make it impossible to pay and results ultimately of seeking to lien and own their homes leaving the people in a dangerous and hopeless position possibly homeless. 

27) Likewise either restore the original debt to the sba after the crisis is over at zero percent interest or waive the entire claim based upon net assets and hardship.

28) Flood or home owner’s insurance claims should be fast tracked. Photos as proof of damage should be accepted instead of inspections in order to minimize spread of the virus. Fast track processing the claim to within three days. No withholding funds. Funds maybe used on essential bills besides repairs. Insurance companies may hire contractors to fix insured repairs in order to expedite process and avoid delays of repairs if insured prefers theirs over insured’s contractor or in case insured’s contractor is delayed more than three days to commence job. Contractor must wear hazmat suit, gloves, mask, goggles, etc and wipe down/sanitize tools.

29) Banks fast track clearing/posting check deposits that are made by remotely by phone to be made available in full or at least by half with the remainder in no more than three days. Release all holds the have been holding for three or more days. Banks may call or otherwise confirm sufficient funds with sending banks. Sending bank should have a reserve from the government in the event of insufficient funds or have government increase their insurance for overdraft or return checks. In the event receiving bank does not release at least half the funds of the deposited check by the next day, banks must pay account holders interest of 5% of the amount of their check or $200 something to that effect. This will encourage banks to honor this.

30) In the event of a new flood or homeowners claim for damage that occurs during quarentine, if emergency occurs like pipe break, flood, or something else important, with or without contents damage, related even to weatherproofing or outdoors, like a broken window, roof leak or electric problem, etc, insurance company should fast track processing claim same day and accept proof as photos over inspection, due to quarentine, and wire funds to insureds bank account and have insured qualified contractors sent to make immediate repairs in Corona protected attire...In the event it is difficult for the company to source a contractor due to Corona, insurance company will release funds immediately to the insured by the next business day for the homeowner to hire a contractor.