---
title: Unemployed Due to COVID? Use This Checklist to Prepare for a Possible Second Wave
description: If you're unemployed because of COVID-19, here's what you need to do now to prepare for a possible second wave of illness this fall.
---

[Hanscom FCU MoneyWisdom Blog ](https://go.hfcu.org/blog)

# [Unemployed Due to COVID? Use This Checklist to Prepare for a Possible Second Wave](https://go.hfcu.org/blog/unemployed-due-to-covid-use-this-checklist-to-prepare-for-a-possible-second-wave)

 Written by [Tracy Scott](https://go.hfcu.org/blog/author/tracy-scott) | Aug 27, 2020 11:00:00 AM

This past spring was unlike any other in recent history. While many people planned to leave the dark, winter months behind and come out of hibernation, reality proved quite different. Instead of attending annual festivals and baseball games, or returning to school after spring break, Americans were in quarantine.

COVID-19 changed not only our expectations, but also our finances. It's estimated that [nearly 30 million people lost their jobs](https://www.wsj.com/articles/how-many-u-s-workers-have-lost-jobs-during-coronavirus-pandemic-there-are-several-ways-to-count-11591176601) this spring due to the pandemic. With some predicting that the pandemic won't end until 2021, experts are preparing for a possible resurgence this fall.

If you lost your job due to COVID-19 and you're still unable to return to work, use this checklist to help shield your finances from a possible second wave.

- **Check State Unemployment Insurance Benefits**

If you've exhausted your regular unemployment benefits, the Pandemic Emergency Compensation program might help. Eligible applicants can extend benefit payments up to 13 weeks through December 31. Check your eligibility for continued benefits by visiting the [state unemployment insurance office](https://www.careeronestop.org/LocalHelp/UnemploymentBenefits/find-unemployment-benefits.aspx) website.

- **Slowly Stock Up on Food and Supplies**

Even if you have the funds to do so, [there's no need to clear the shelves at your local grocery store](https://go.hfcu.org/blog/how-to-prepare-for-a-second-covid-19-outbreak). Learning from recent consumer behavior, [food producers](https://abcnews.go.com/Business/food-producers-preparing-2nd-wave-covid-19/story?id=71277758) are preparing now for increased demand this winter. Slowly filling your pantry with nonperishable food items, first aid products, and cleaning supplies can help you restock while staying within a budget.

- **Revisit Financial Assistance Programs**

Make a list of local and state resources you used this year. Those that helped with [food](https://go.hfcu.org/blog/6-solutions-for-food-insecurity-during-the-coronavirus-outbreak), [housing](https://go.hfcu.org/blog/4-steps-to-take-when-you-cant-pay-your-rent), or other bills should top the list. Contact them to discover the services that are accessible [if you're unable to return to work soon](https://go.hfcu.org/blog/a-9-step-plan-for-dealing-with-unexpected-job-loss). There might be new resources available this coming winter for those affected by the pandemic.

The federal government's [Disaster Financial Assistance with Food, Housing, and Bills](https://www.usa.gov/disaster-help-food-housing-bills) webpage provides updates on available financial relief. Check the site weekly to stay on top of changes.

Some experts predict a [more severe lockdown](https://www.theatlantic.com/health/archive/2020/04/could-there-be-another-coronavirus-quarantine/610630/) if the flu arrives in conjunction with a coronavirus spike this fall. By planning today, you can prepare financially and feel more secure about your future.

*Download our free [Financial First Aid Guide](https://go.hfcu.org/first-aid?_ga=2.224802845.649489784.1585309587-403457074.1585309587)! It'll walk you through the best ways to manage your money during uncertain times. We’ll show you how to take inventory and review all your expenses, assess your debts, prioritize bills and communicate with creditors, and so much more!*

 

*Others are reading:*

- [4 Steps to Take When You Can't Pay Your Rent](https://go.hfcu.org/blog/4-steps-to-take-when-you-cant-pay-your-rent)
- [A 9-Step Plan for Dealing With Unexpected Job Loss](https://go.hfcu.org/blog/a-9-step-plan-for-dealing-with-unexpected-job-loss)
- [6 Solutions for Food Insecurity During the Coronavirus Outbreak](https://go.hfcu.org/blog/6-solutions-for-food-insecurity-during-the-coronavirus-outbreak)
- [What to Do If Your Income is Reduced](https://go.hfcu.org/blog/what-to-do-if-your-income-is-reduced)
- [How to Avoid Coronavirus Scams](https://go.hfcu.org/blog/how-to-avoid-coronavirus-scams)

[View full post](https://go.hfcu.org/blog/unemployed-due-to-covid-use-this-checklist-to-prepare-for-a-possible-second-wave)

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