The Daily Edition for Friday, April 17, 2020

To view this Daily Impact online, click here.

 

 

Welcome to your Daily Impact newsletter!
As a valued member of the Maine State Chamber of Commerce, we plan to stay in touch with you every afternoon, through emails like this one and on Facebook and Twitter, until the pandemic passes. We intend to provide you with the latest state and federal information, as well as highlighting the creativity and innovation that is occuring here in Maine during this unpredictable and rapidly changing time. To assist you in navigating the uncertainties ahead, we have created a diverse and comprehensive collection of web-based resources to help you take care of yourself and your family, your employees, your business, and your community.
Do you have a question? ASK THE EXPERTS.	We are here to help in any way we can!

 

 

Dana Connors: Reopening Maine's economy
During these unprecedented times and uncharted waters of the global pandemic in which we find ourselves, it is encouraging to see the public and private sectors working together and every individual doing their part to protect the public health.   As we move forward together and enter into the next phase of the pandemic with the health and safety of Maine people paramount, and knowing that a healthy economy is dependent on healthy people, the time is now to start thinking about reopening our economy. Maine needs to begin planning now, and planning well so when we do reopen, we do so in the safest, most responsible manner possible.
It is in this context that the Maine State Chamber of Commerce would like to highlight the guidance prepared by our friends at the U.S. Chamber of Commerce. This is a thoughtful framework dealing with the many issues surrounding reopening safely, including health and COVID-19 testing in the workplace, social distancing at work, regulatory issues, the liability of reentering a new workplace environment, public transportation and childcare considerations for the workforce, and more.   The following links offer details on specific issues for consideration: * Essential Services and Resources; * Resolution of Regulatory and Legal Liability Issues; and, * Support for Businesses and Individuals.   Additionally, you likely are aware that on Thursday evening, the White House released its blueprint for reopening the nation's economy. Opening Up America Again is a three-phased approach offering guidance for state and local officials on reopening economies and getting people back to work while continuing to protect public health and safety. We appreciate its measured approach and direction from medical experts.   You also may be aware that both Senators Susan Collins and Angus King have been appointed to serve on President Trump's task force on reopening the economy. This is a testament to the leadership, experience, and expertise of our senators, and to the importance of getting back to business in states where small employers are in many ways the backbone of economies.   We recognize that some regions of Maine and business sectors will find it easier to ramp up than others. There is no one-size-fits-all playbook. We also recognize the importance of balancing the health of our people and the health of our economy. Some may want to divide the two, but they are not mutually exclusive, and neither can operate in a silo. A healthy vibrant economy depends on jobs, economic activity, and a strong workforce. When we return to health, we need to be ready to return to work.   As the Voice of Maine Business, the Maine State Chamber of Commerce will continue to be a resource and advocate for Maine businesses during these uncertain times. We are committed to ensuring that we reopen our economy as quickly and responsibly as possible so that Maine employers and people can get back to work. Planning well in this changed business environment is key to our success. It is our top priority at the Maine State Chamber.

 

Governor Mills on Guidelines for Reopening the Economy

Late this afternoon, Governor Janet Mills issued the following statement in response to the President's Guidelines for Opening Up America Again:   "We all want life to return to normal as soon as it is safe to do so. Our hearts break to see closed storefronts and people struggling to make ends meet because of this crisis. At the same time, we all know that reopening too soon and too aggressively will likely cause a secondary surge in COVID 19 cases, jeopardizing the lives of Maine people and further destabilizing the economy. None of us want that. I have been speaking with a number of economic leaders, including the President of the Federal Reserve Bank of Boston. Their message is clear: the most important thing we can do to turn the economy around is to defeat the virus."   "As the President acknowledges, the Governors are in charge of reopening their states' economies and gradually lifting public health restrictions. Here in Maine, we too are planning a phased-in reopening, tailored to the demographics and various economic sectors of our state. Ultimately, the protocols we adopt, made after consulting with people from all parts of the state, will be guided by fact, science and public health expertise. As the President's guidelines note, widespread testing, personal protective equipment, and contact tracing are critical to lifting restrictions and reviving the economy; for that reason, the nation's governors yesterday again urged the Federal government to ensure that all states have these resources."   "I remain in contact with Governor Sununu of New Hampshire and Governor Scott of Vermont regarding actions that may be appropriate for the northern New England region. My Administration, through the Department of Economic and Community Development, has been connecting with individual economic sectors across the state to devise a plan for how we gradually reopen the Maine economy. Those decisions, of course, are driven first and foremost by the need to protect the public health. We will release details of the plan in the near future."

 

How A Lack Of Tests Has Hamstrung Maine's Efforts To Curb COVID-19 And Reopen The Economy

According to Maine Public, excerpted below, Maine Center for Disease Control Director Dr. Nirav Shah on Wednesday used what he described as an epidemiological axiom to explain a surge of COVID-19 cases in several long-term care facilities. "When you look for things, you find them," Shah said.   Shah was referring to the universal testing the CDC had conducted at the long-term care facilities, which account for roughly 18 percent of confirmed COVID-19 cases in the state and at least six deaths. But the agency's aggressive response to hotspots in those congregate settings also highlighted how the state's limited testing capacity has hamstrug public health officials' attempts to curb the outbreak here. It also underscores how efforts to ramp up testing capacity could be crucial to Gov. Janet Mills' future efforts to reopen the Maine economy.   "It's a significant factor in how and when, and how quickly, we reopen different sectors and different parts of the economy," Mills said during Wednesday's daily press briefing. "And it depends on how tests are deployed."   Shah said distribution of the rapid tests was largely being determined by the federal government. When asked about the state's limited testing capacity on Wednesday, Gov. Mills acknowledged that she was frustrated that testing supplies had been diverted or shorted by the feds.   Dr. Shah, whose agency has since cleared the high-risk backlog, says the state now has the capacity to conduct about 3,000 COVID-19 tests, which are prioritized and processed in two tiers. That's left an incomplete picture of the outbreak in Maine. While the CDC's daily updates on confirmed case numbers are publicized, many Mainers suspected of having the disease have not been tested. Some have settled for a clinical diagnosis, which is not reflected in the state's daily case update. Others might have been infected and are unaware of it. The U.S. CDC also believes up to 20 percent of people who have COVID-19 don't have symptoms, meaning they can unwittingly spread the virus.   "Additional testing is needed," said Shah on Wednesday, adding that widespread testing would allow the state to take a more aggressive posture against the virus because infected people could be quickly quarantined. Additionally, tracing an infected person's contacts would allow state officials to quickly notify people so they can self-isolate. Such steps, health officials say, are key to containing the virus while researchers develop a vaccine. And they say it's also crucial to reopening the economy without preventing a second wave of COVID-19.   Dr. Anthony Fauci, the federal government's top infectious disease expert, told the Associated Press Tuesday that the U.S. is currently lacking the capacity to test comprehensively and trace infections, both needed to safely relax physical distancing restrictions and reopen the economy. "We have to have something in place that is efficient and that we can rely on, and we're not there yet," Fauci told AP.   According to the Covid Tracking Project, an independent website run by journalists, the Maine CDC's testing rate ranks in the top quartile of the country, but lags behind New Hampshire, Vermont and Massachusetts. The quality of its testing data received an "A." Yet the state-by-state rankings might not mean much, given that the U.S. as a whole is still experiencing a testing shortage. It trails countries including South Korea and Germany in terms of available testing and combating the outbreak.   While Gov. Mills says ramping up testing is a key factor in any decision to relax business restrictions and physical distancing measures, she also says universal testing seems unrealistic - at least for now. In the absence of widespread testing, Mills says the best way to reopen the economy is "to continue doing what we're all doing. And that means staying home, staying apart. I think we're being successful. I really do."   In the meantime, Mills said Thursday that her top message to President Trump is for him to assure the equal distribution of testing materials. "That's pretty much the consensus of all the governors. We all need that," she said. "It is step one in maintaining public health, and it is step one in just thinking of turning around the economy. Testing is vital."

 

Paycheck Protection Program Loans Reach $2.22 Billion for 16,196 Maine Small Employers

Sen. Susan Collins' office reported yesterday that $2.22 billion in forgivable Paycheck Protection Program loans have been approved for 16,196 small employers in Maine.   According to a press release, nearly 100 different Maine lending institutions are currently participating in the program and working around the clock to disburse this funding as quickly as possible.   Due to the high demand for these loans, the Paycheck Protection Program has run out of funding. Senator Collins is working with her colleagues to provide an additional $250 billion for this program so that more small employers in Maine and throughout the country can continue to pay their employees and survive.   "The Paycheck Protection Program has run out of funding. We urgently need an additional $250 billion for this program I co-authored that provides forgivable loans so small employers can survive and give paychecks to their employees," said Senator Collins. "To give just one example, a community bank in Maine has nearly 300 pending applications from self-employed individuals who are requesting an average forgivable loan amount of $26,000. We need to replenish this program immediately so that these individuals can access this critical assistance. As of this morning, $2.22 billion in forgivable Paycheck Protection Programs loans have been approved for 16,196 Maine small employers. This funding is providing crucial support to an estimated 180,000 employees. The extremely high demand for these forgivable loans underscores the urgent need for Congress to act now."

 

To reserve your banner ad in the Daily Impact, please contact Melody Rousseau by emailing melodyr@mainechamber.org, or by calling (207) 623-4568, ext. 102.

 

U.S. Chamber | OSHA's Guidance and Response to Workplace Safety and Coronavirus Exposure

Workplace safety in the context of Coronavirus exposure is critically important, but what employers should be doing, and what OSHA expects of them is not always clear. OSHA has issued guidance that addresses some of the questions employers are having. This summary describes OSHA's comments and some of the approaches employers should be considering. OSHA has coordinated its approach with guidance from the Centers for Disease Control (CDC) with respect to various protective measures.

 

Maine DOL Encourages Employers to File B-1 Separation Forms Through the State Information Data Exchange System

In an April 16 letter, the Maine Department of Labor advised Maine employers to file separation forms (B-1 forms) electronically, stating:   "At this point, MDOL is inundated with mail containing the paper B-1 Separation Forms being sent back to us. Several years ago, Maine implemented the State Information Data Exchange System (SIDES) to facilitate the information flowing back and forth between our unemployment bureau and employers. Given our current workload, the department must ask all employers to register with SIDES - a free nation-wide system that is separate from your ReEmployME account. Once you are logged into SIDES, there is a detailed guide that provides step-by-step directions for responding to requests for information, including samples of the screens. Also, when a response is submitted, SIDES provides a confirmation number for your records.   Doing so won't change the processing of the paper that has already been sent. Because the SIDES information is imported directly to our system, it helps identify issues sooner that could have an impact on benefit eligibility. This reduces improper payments and protects the integrity of the unemployment trust fund and employers' experience rating records. For questions or more information, please email division.uctax@maine.gov or call 1-844-754-3508."

 

Maine Department of Labor Releases Initial and Weekly Unemployment Claims Data for Week Ending April 11   On April 16, initial claims for unemployment compensation totaled 13,400 in the week ending April 11, down from 30,900 the previous week. In the past four weeks initial claims totaled 89,500, the most ever for a four-week period. Continued claims for the week totaled 55,700, a new record high, up from 41,300 the prior week.   Initial claims totaled about 30,900 and 23,700 for the previous two weeks. Continued claims for the week increased to 55,692 from the previous week's 41,300. Claims data is preliminary, subject to revision. Data on claims, the balance of the trust fund, and other information is available online here.   The novel coronavirus (COVID-19) has caused significant economic hardship for Maine people and job losses across the state, particularly in the food services and lodging, health care and social assistance, retail trade, manufacturing, and entertainment and recreation sectors.

"Unemployment benefits provide a lifeline to people who are out of work for reasons beyond their control. The benefits are often used to pay rents, utilities, and for groceries and other basic necessities. These dollars that are spent in our communities help to support the local businesses. In the last four weeks, the department has paid out over $46 million in benefits," said DOL Commissioner Laura Fortman. "In addition to the state unemployment benefits, next week's payments will also include the additional $600 in Federal Pandemic Unemployment Compensation benefits."   The Department of Labor recommends that people file their claims online with a computer as opposed to a smartphone and do so in the evening when internet traffic is less. The DOL has implemented an alphabetical call in schedule to help reduce phone line congestion as the Department ramps up its capacity to receive and process claims. Last names beginning with A-H should call on Monday, I-Q on Tuesday; and R-Z on Wednesday. Thursday and Friday are left unassigned for those who miss their alphabetical day or need to call at that time.   As the Department continues to expand the number of people taking calls, the call-in hours have been extended to 8:00 a.m. to 3:00 p.m. Those who are unable to connect with a claims representative by calling 1-800-593-7660 before 3:00 p.m. Monday through Friday should submit a message at www.maine.gov/labor/contact.   The Department of Labor continues to implement solutions to the challenges created by the sudden and unprecedented levels of questions and claims to meet the needs of Maine people. Claims staff are working over the weekend to process applications and are contacting claimants who have errors on their applications. The department has also contracted with a Maine-based center to provide first level claims assistance. Starting this week, 100 people are answering calls, up from 14 a month ago. The online unemployment system, which Maine implemented a few years ago, is performing as designed and is available 24/7. For more information and resources, visit the Department's COVID-19 page.

 

To Level the Playing Field for Maine Students, Maine State Chamber's Educational Foundation Invites Businesses to Donate for School Technology

Maine employers have been remarkably resilient and generous in the many ways they have stepped up to help their employees and communities in the face of the global COVID-19 pandemic. We have yet another opportunity for you to consider.   As schools throughout the state wrestle with how to best deliver continuity of learning to their students, a need for technology has arisen in several districts and counties throughout the state. To support today's learners and tomorrow's employees, the Maine State Chamber of Commerce is asking its members to participate in a crucial effort to help students engaged in remote learning during the COVID-19 pandemic. The collection of charitable, tax-deductible donations through the Maine State Chamber Educational Foundation will be disbursed through the Maine Department of Education to counties with high percentages of students without internet connectivity.   As part of a pilot program, the Maine DOE surveyed building principals across Maine to identify needs and are working to procure device and hotspots for all students that need them as quickly as possible. Maine DOE Coordinator of Secondary Education and Integrated Instruction Beth Lambert and Maine DOE Chief Innovation Officer Page Nichols, along with a team at the DOE, are charged with the research, procurement, and deployment of the devices.   If your company would like to donate to this cause, donations can be sent to the Maine State Chamber Educational Foundation, attn: DOE Connectivity Project, at 128 State Street, Suite 100, Augusta, Maine 04330. Questions can be directed to Megan Diver, Senior Government Relations Specialist for the Maine State Chamber. For DOE specifics, please contact Beth Lambert, Maine DOE's Coordinator of Secondary Education and Integrated Instruction, or Maine DOE Chief Innovation Officer Page Nichols.

 

UMaine will graduate 38 students in nursing two weeks early to help meet pandemic needs

To help meet the health care needs of the state of Maine during the COVID-19 pandemic, 38 undergraduate students in the University of Maine School of Nursing will graduate April 28 - two weeks early. Early graduation allows them to pursue their licensure sooner and, ultimately, expedite their entry into the workforce.   "The class of 2020 is a very resilient, dedicated group of graduates," says associate professor and registered nurse Kelley Strout, interim director of the School of Nursing. "I'm so proud of this class. They are committed to enter the workforce and provide patient care on the frontlines of the COVID19 pandemic."   The students will graduate with bachelor of science in nursing degrees. When they pass their national licensing exam, they become registered nurses. The UMaine School of Nursing has a 95% first time national licensure exam pass rate; the average national pass rate for first-time test takers is 88%.   Thirty-three of the student nurses plan to practice in Maine. The other five will practice out of state, including two who are headed to jobs in nurse residency programs at The Johns Hopkins Hospital and Dartmouth-Hitchcock Medical Center.   "We are so very proud of these graduates," says UMaine President Joan Ferrini-Mundy. "We thank them for their incredibly hard work, their bravery and dedication to the health care field in Maine and beyond. The highly selective School of Nursing has very high standards, with faculty providing outstanding training and preparation for students who are ready to make a difference in the world. We congratulate the graduates on this fantastic achievement and wish them all the very best as they move out into the field to help all of us during this difficult time with the pandemic."   In UMaine's undergraduate nursing program, the last semester for seniors focuses on a partnership experience, Strout says. Each student completes nearly 200 hours working and learning one-on-one with a registered nurse partner in a hospital or community health care facility in Maine. Their typical 12-hour schedules include nights and weekends.   In March, the coronavirus pandemic protocols required some hospitals and health care facilities to discontinue clinicals for students. By that time, the student nurses had completed more than half of their required direct-care partnership hours. The Maine State Board of Nursing then allowed the School of Nursing to provide virtual clinical instruction with online and simulation resources along with weekly debriefing sessions in small groups with experienced faculty.   Faculty stepped up to provide the instruction, and students "worked around the clock" to complete the hours ahead of schedule, Strout says. The accelerated completion of coursework will allow final grades to be turned in April 20.   In the annual nursing pinning ceremonies, graduates traditionally receive a pin to symbolize the completion of their coursework and clinicals, and to welcome them into the profession. This year, the School of Nursing pinning ceremony will be virtual, offered online at 7:00 p.m. on Saturday, April 25 on the School of Nursing's Facebook page.

 

CMP Donates $100,000 to Support School Meals

The donation to Full Plates Full Potential will help students across Maine get food while schools are closed.   A $100,000 donation from Central Maine Power to Portland-based nonprofit Full Plates Full Potential will help provide students across the state with access to meals while schools are closed. Many Maine schools are entering their fifth week of closures to stop the spread of the coronavirus and have set up meal sites to distribute food students would normally be getting through their school districts. In normal times, more than 80,000 Maine students rely on school meals as their primary nutrition, according to a news release Thursday from Full Plates Full Potential.   "Our guiding principle is that no child should go hungry," said Justin Alfond, co-founder of the organization in the release. "During this crisis, more than ever, school meals are the first and best safety net for kids."   CMP's donation will help cover the cost of food as well as equipment like coolers and packaging materials to ensure proper food safety. It is estimated the funding will support 125 schools in providing access to more than 51,000 students.   "The COVID-19 pandemic has uprooted the daily routines and meal security of school children across our state," said David Flanagan, executive chairman of CMP. "We are grateful that we are able to join forces with Full Plates Full Potential, an organization that knows how to work with existing childhood nutrition programs to get food to the kids."

 

Maine State Chamber Presents Free Wednesday Webinar Series
SERIES SPONSORS: Bangor Savings Bank, Central Maine Power Company and Maine Department of Economic and Community Development   Additional webinars will be forthcoming, and sponsorship opportunities are available. Questions can be directed to Angela S. Arno, director of programs and events for the Maine State Chamber of Commerce, by emailing aarno@mainechamber.org or calling (207) 623-4568, ext. 104.
	Wednesday, April 22 | Starting at 11:00 a.m. THE INTERSECTION OF WORKERS' COMP AND COVID-19   The impact of the COVID-19 pandemic on employers, their employees, and our state and national economies has been remarkable. Across the state, businesses large and small are struggling with how to adjust to this new and dramatically different paradigm. Like many other groups, the Maine State Chamber has worked to bring our members and employers all around the state the latest and most accurate information on changes to our unemployment insurance system, paid sick leave, paid FMLA leave, the CARES Act, and the accompanying Paycheck Protection Program and EIDL assistance.   However, forgotten up to this point is how another important aspect of the cost of doing business may be impacted by the pandemic - workers'compensation insurance. Like so many other business factors, there are a significant number of unknowns surrounding workers' comp going forward, including the compensability of COVID-19-related claims, claims that may arise while employees are working remotely from their homes, and how a shrinking statewide payroll may impact premium rates, and therefore, overall premium costs.   Register here Sponsored by MEMIC, MaineHealth / Synernet, Preti Flaherty, and United Insurance
	Wednesday, April 29 | Starting at 11:00 a.m. WEBINAR FOR SOLE PROPRIETOR BUSINESSES: NAVIGATING THE COVID19 PANDEMIC   This webinar will focus on the short- and long-term issues arising from the pandemic for sole proprietors - with suggested solutions. Topics covered will include a review of up-to-date federal and state legislative opportunities, tax issues to discuss with your accountant, insurance liability, health insurance options, credit protection, and steps for sole proprietors to take with customers. There will also be a brief review of pertinent estate planning options during the pandemic.   Regiser here | Sponsored by Lambert Coffin
	Wed., May 6 | Starting at 11:00 a.m. WE ARE STILL FINALIZING THIS WEBINAR TOPIC TO BE ANNOUNCED
	Wednesday, May 13 | Starting at 11:00 a.m. RECENT STATE AND FEDERAL TAX CHANGES AND HOW THEY AFFECT YOUR BUSINESS   This webinar will focus on federal tax changes contained in the CARES Act and changes made at the state level that provide support for businesses during this pandemic. Additional topics also include a look at the ever-changing landscape at the federal level for additional stimulus funds and what those changes might look like.   Register here | Sponsored by Pierce Atwood and WIPFLi, LLP
	NAVIGATING THE LEGAL AND FINANCIAL ISSUES DURING THE COVID-19 PANDEMIC: PRESENTED EXCLUSIVELY FOR MAINE'S CONSTRUCTION INDUSTRY   Presented on Wednesday, April 15 | Listen to the recording here   The Maine State Chamber thanks today's webinar presenters and sponsors: Rudman & Winchell; TD Bank; and, Albin, Randall and Bennett.

 

Tuesday, April 28 | Legislative Strictly Social Virtual Coffee Hour
The Maine State Chamber of Commerce and the Kennebec Valley Chamber of Commerce invite you to attend our Legislative Strictly Social Virtual Coffee Hour. We invite you to grab a cup of coffee at 9:00 a.m. on Tuesday, April 28, and hear from legislators about current issues.   Normally, our annual series of statewide receptions is an ideal way for you, the Maine business leader, to interact with business associates, new and prospective Maine State Chamber members, and state representatives in a relaxed setting. This year, due to the COVID-19 situation, we will be hosting this event online as a coffee hour. We will have a panel of Maine Legislators open the hour and there will be an opportunity for questions through the Zoom chat feature. Please join us for this presentation. A participation link will be sent to you after you have completed registration. Learn more or register here.
Thank You To Our Generous Sponsors! A special thank you to our sponsors from the Legislative Strictly Social, which has now become the Legislative Strictly Social Coffee Hour, due to the need for social distancing during this pandemic. Your continued support is greatly appreciated!
SERIES SPONSORS: Casella Waste Systems, Inc.; Central Maine Power Company; Maine Department of Economic & Community Development; Northeast Delta Dental; VHB
PREMIER SPONSOR: AT&T	SPOTLIGHT SPONSORS: Backyard Farms, LLC; Brookfield Renewable Energy
PRESENTING SPONSORS: Altria Client Services LLC; American Chemistry Council; Bank of America; Dead River Company; Emera Maine; Finance Authority of Maine; Hannaford Supermarkets; MaineHealth; Merrill's Investigations & Security; Mitchell Tardy Jackson Government Affairs; PhRMA; Preti Flaherty, LLP; Spectrum Healthcare Partners; The Sheridan Corporation; Unitil Corp.	OFFICIAL SPONSORS: Bangor Savings Bank; Charter Communications; Cross Insurance; E.A. Scribner Insurance Agency, Inc.; Elanco; Enterprise Holdings; IDEXX Laboratories, Inc.; Maine Better Transportation Association; MEMIC; Maine Primary Care Association
Sponsorship opportunities are still available for this event. Questions can be directed to Angela S. Arno, director of programs and events for the Maine State Chamber of Commerce, by emailing aarno@mainechamber.org or calling (207) 623-4568, ext. 104.

 

Use the Maine State Chamber's "Meeting the Challenge" blog to tell your story!

Numerous Maine companies stepping up or pivoting nimbly, as Maine people resourcefully address the challenges of this pandemic. Share your perspective and experience with us and with the rest of the business community. How are you facing and overcoming the challenges posed by this pandemic? What are you and your employees doing in this dramatically different economy? Tell us about the innovations your company or employees are making or ways you have adapted your company to meet your customers' needs.   Each blog entry should be 300 to 500 words. Join us in creating a written history of the business community's resilience and innovation during this extraordinary time. Please submit your entries to blog@mainechamber.org. For more information or questions, please contact Mark Ellis by emailing mellis@mainechamber.org or by calling (207) 623-4568, ext. 109.

Check out the first post on our "Meeting the Challenge" blog! Todd Mason, President and CEO of the Maine Credit Union League, discusses "Remaining Essential During COVID-19 and Beyond"

 

Falmouth Fintech Launches Platform to Automate Hardship Relief

According to a Mainebiz article on April 16, Constant Energy Capital Management Inc., a financial technology company in Falmouth, has launched a software platform designed to speed hardship relief for financially stressed borrowers. The software, for banks and non-bank consumer lenders, reduces incoming call volume and long wait times caused by COVID-19 financial hardships, according to a news release. The program is designed to provide faster and more accurate decisions about payment deferrals, loan modifications and other workouts.   "Over 10 million Americans have filed for unemployment against the backdrop of $16 trillion of consumer debt," Constant CEO Catherine Powers said in the release. "In response to lost wages, bank and non-bank lenders have directed borrowers to call for payment relief options. With mortgage forbearance requests alone increasing by nearly 2,000%, the COVID-19 crisis has shone a spotlight on the lack of preparedness to support hardship relief requests."   Constant's platform evaluates a borrower's real-time financial situation and provides repayment options and, when appropriate, loan modifications in a matter of minutes, without human intervention.   "Whether a lender or servicer is offering to skip payments or a more complex hardship solution, that effort can take weeks or months with the high volume of incoming requests for help," Powers said. "However, our platform can do it in minutes by engaging with the borrower, evaluating real-time, customer-specific information and automatically creating relief options that solve the problem and encourage payment performance."   The goal is to avoid the kind of problems caused during the 2008-09 mortgage crisis, when requests for financial leniency aged in queues for months, Carissa Robb, Constant's president and COO, said in the release.   "Credit scores were damaged, customers were feeling defeated and their willingness to pay was lost," Robb said. "Constant is changing this."

 

Augusta, Gardiner Downtown Organizations Offer Fast Help to Eligible Businesses

Gardiner Main Street and Augusta Downtown Alliance collaborated to raise money to help out their downtown businesses struggling to stay afloat under restrictions imposed to slow the spread of coronavirus.   The Kennebec Journal recently reported that, inside the Oak Table & Bar in Augusta, Elisha Irland was spending Thursday afternoon doing something new. "We're doing date night boxes," the owner of the chef's table restaurant said. The goal is to provide customers with an experience - not quite the same as they would get with conversation and information about the food in the restaurant, but still more than they would get with a simple takeout dinner.   Irland will be able to continue offering food in part through a relief fund set up help businesses in the downtown districts of Augusta and Gardiner. "This approach to community one-ness and supporting each other and shopping local and buying local is what makes the Augusta area great," Irland said.   Last month, most business activity in Augusta, Gardiner and communities across the state and nation, dropped off as government and public health officials imposed restrictions on public gatherings and face-to-face interactions to slow the spread of coronavirus, which causes COVID-19, the potentially deadly respiratory disease. As of Thursday, 27 people in Maine have died from coronavirus infection, and hundreds more have been sickened.   The Kennebec Valley Downtown Relief Fund, a joint project of the Augusta Downtown Alliance and Gardiner Main Street - both certified Main Street programs," is awarding up to $3,000 per applicant to help pay business-related expenses like payroll, utilities, rent, mortgage, insurance and materials needed to make their products to eligible businesses in the areas they serve.   With their clear and simple goal, both downtown development organizations were able to move money within their own budgets to establish the fund with $9,000, then reached out to outside organizations for additional help. Within a few days, the fund had reached $44,000 with contributions from the Gardiner Board of Trade, the Augusta Board of Trade, Team EJP, Gardiner Federal Credit Union, Kennebec Savings Bank, Central Maine Power and KV Federal Credit Union.   Hall said the response to the program has been overwhelming. The initial social media posting drew a half-dozen applications in short order. On Monday, the organizations met to review applications, and on Tuesday, they were able to make notifications to 11 businesses and hand out $28,500. While the application deadline has been set for April 30, Lindley said as long as money is available to distribute, they will continue to take applications and make funding decisions.   Lindley and Hall are working to secure additional funding to be able to help more businesses, and they have set up an online donation link. The Maine Downtown Center, a program of the Maine Development Foundation, is acting as the fiscal agent. In addition, Team EJP, which is based in Gardiner, has put up $5,000 to match donations on a a dollar-for-dollar basis.

 

JSI Store Fixtures Helping in the Fight Against COVID-19

If you have done any grocery shopping lately, you've probably seen the plastic barriers between you and the clerk. Thousands of those are being made right in Piscataquis County, at JSI Store Fixtures in Milo, Maine. In case you missed it, WABI recently visited JSI's warehouse.   As coronavirus spreads, many companies are stepping up to help fight the virus. For more than 30 years, JSI has been manufacturing fixtures for retailers. Now, their attention is focused on making transparent hygiene shields. Company officials say these shields provide a physical protective barrier between shoppers and employees. All barriers are made of plexiglass.   "We initially ordered $300,000 worth in advance of having any orders, anticipating getting them, and we have since ordered a few hundred thousand more," said Mark Awalt, president of JSI. "So, we have plenty of plexiglass on hand to continue to assist anybody who might want our help."   JSI has been working closely with Hannaford. They currently have more than a million dollars worth of hygiene shields on order for Hannaford, Bar Harbor Bank and Trust, and another large supermarket chain in the Mid-West. So far, more than 10,000 barriers have been shipped out thanks to the hard work of about 150 employees. When the economy does begin to open back up, officials with JSI believe these barriers will be in even greater demand.

 

Maine Craft Distilling Shifts to Hand Sanitizer Production

The Portland-based company also has funneled $15,000 in donations to nonprofits serving Maine communities.   Maine Craft Distilling, a Portland-based distiller of spirits, is making a strategic shift to hand sanitizer production in response to the coronavirus. The company also is channeling donations to nonprofits serving Maine communities, according to a news release. Customers are also leaving tips and making charitable donations, which have been redirected to various local organizations, it said.   To assist with its new production line, the distillery has hired five new employees, who now work at the distiller's Washington Avenue distillery and Public House in Portland. It said hundreds of customers have been visiting on a daily basis to pick up hand sanitizer.   "Our customers and all Mainers are dealing with an unprecedented global pandemic, and it's important for us to give back to our community and those in need," the distillery's founder and CEO, Luke Davidson, said in a statement. "We will keep producing the hand sanitizer as long as we need to."   Manufactured in accordance with the World Health Organization's formula, the hand sanitizer consists of 80 percent denatured alcohol plus hydrogen peroxide and glycerin. It can be used in spray bottles or applied directly on hands. The distillery said it has produced more than 4,000 quarts of hand sanitizer in a matter of weeks, and raised more than $15,000 for several nonprofits.

 

Virtual ME Career Fairs Thursday, April 23, 2020 | Online 9:00 a.m. to 5:00 p.m. Featuring a Different Employer Each Hour   JobsInME is proud to present the Virtual ME Career Fair. In support of the current COVID-19 situation, we're taking Career Fairs and moving them online! Virtual ME Career Fairs allow job seekers to hear from and virtually meet with employers in a webinar format. Each hour, exhibiting employers present an overview of their company, discuss available positions, and respond to participants' questions.

 

 

To join these advertisers in the Daily Impact, please contact Melody Rousseau by emailing melodyr@mainechamber.org, or by calling (207) 623-4568, ext. 102.

 

TO UNSUBSCRIBE, CLICK HERE.

NOTICE: In an ongoing effort to thwart the activities of online hackers, the Maine State Chamber has researched and tested the links in this document and determined that they are safe.