SELF-EMPLOYED people have been entitled to support from the Government during the coronavirus pandemic. The Self-Employment Income Support Scheme is being extended until 19 October 2020. You’ll be able to claim a second and final grant from 17 August 2020 when the online service will be available.
Eligibility for the second grant will work out the same way as the first grant. If you make a claim for the second grant you will have to confirm your business has been adversely affected on or after 14 July 2020.
This grant will be a taxable grant worth 70% of your average monthly trading profits, paid out in a single instalment covering a further 3 months’ worth of profits, and capped at £6,570 in total.
You can claim for the second and final grant even if you did not make a claim for the first grant.
If you want to claim the first grant you must make your claim on or before 13 July 2020.
Adversely affected examples
The scenarios below help explain when you would be ‘adversely affected’ for the first grant, and for the second grant if you’ve been ‘adversely affected’ on or after 14 July 2020.
To receive a grant all other conditions would also need to be met.
Scenario 1
A builder worked on a very small building site and was still able to go to work throughout the pandemic as she was able to work within the social distancing rules.
| Adversely affected | Is the condition met? |
|---|---|
| First grant | No |
| Second grant | No |
Reason
As the builder’s trade was not adversely affected by coronavirus she is not eligible to claim either grant.
Scenario 2
A builder was unable to find work from March 2020 to September 2020 because of the government restrictions on building sites and the economic impact of the pandemic on the companies she worked for.
| Adversely affected | Is the condition met? |
|---|---|
| First grant | Yes |
| Second grant | Yes |
Reason
As the builder’s business was adversely affected by coronavirus before and, on or after 14 July 2020, she is eligible to claim both grants.
Scenario 3
A builder worked on short-term contracts on different building sites. She only had half the work she would normally have in April 2020 and May 2020 because some of the building sites were closed. She was able to work as normal from June 2020 because the building sites reopened.
| Adversely affected | Is the condition met? |
|---|---|
| First grant | Yes |
| Second grant | No |
Reason
As the builder’s business was adversely affected by coronavirus before 14 July 2020 she is eligible to claim the first grant. However, her business was not adversely affected by coronavirus on or after 14 July 2020 so she is not eligible to claim the second grant.
Scenario 4
A builder was able to work as normal from February 2020 to August 2020 because she works on small house extensions which are completely outdoors. However, she caught coronavirus in August 2020, meaning she was unable to work for 6 weeks while she recovered.
| Adversely affected | Is the condition met? |
|---|---|
| First grant | No |
| Second grant | Yes |
Reason
As the builder was able to work as normal and not adversely affected until after 14 July 2020 she is not eligible to claim the first grant. Her business was adversely affected by coronavirus in August 2020 when she was unable to work for 6 weeks so she is eligible to claim the second grant.
Scenario 5
A shop owner closed his shop from March 2020 to 14 June 2020. He reopened his shop on 15 June 2020, but the number of customers he could serve was lower because of the social distancing rules. He also had increased costs due to buying protective equipment.
| Adversely affected | Is the condition met? |
|---|---|
| First grant | Yes |
| Second grant | Yes |
Reason
As the shop was closed his business was adversely affected by coronavirus before 14 July 2020 so he was eligible to claim the first grant. His business was also adversely affected on or after 14 July 2020 because the number of customers were significantly lower and increased costs for protective equipment he was also eligible to claim the second grant.
Scenario 6
A builder was due to start a 3-month project building a house extension in August 2020. However, this contract was cancelled on 15 April 2020 because the owner of the house had been impacted by the economic effects of the pandemic. The builder incurred additional costs to find new work. From June 2020 onwards, after building sites opened, she was able to work as normal.
| Adversely affected | Is the condition met? |
|---|---|
| First grant | Yes |
| Second grant | No |
Reason
As the builder’s contract was cancelled in April 2020, she was adversely affected by coronavirus before 14 July 2020 so she was eligible to claim the first grant. She resumed work as normal from June 2020 and was able to find other work. Her business was not adversely affected on or after 14 July 2020, so she was not eligible to claim the second grant.
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