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Carey Area Chamber of Commerce
PO Box 94, 132 E Findlay St, Carey, Ohio 43316
419-396-7856 Work 419-595-0090 Cell


Mizick Miller 

COVID-19 and Small Business Owners

April 1, 2020

Re: A note to our community about the coronavirus (COVID-19)

Dear Small Business Owners,

As the coronavirus (COVID-19) continues to affect local communities and global economies, we want you to know that maintaining business continuity is a priority for us. We’re working to minimize disruptions and impacts to you so that we can still offer the same level of superior service and support you have come to expect from our team.

Recently the Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed by Congress. This Act is intended to assist business owners in our time of crisis. Below is information we hope will be helpful to your business in this time of need.

SBA Resources

The link below is to the Small Business Owner’s Guide to the CARES Act (the Guide). It summarizes the SBA lending and loan forgiveness process as it relates to the CARES Act. We believe that the main areas of focus for our clients are the Emergency Economic Injury Grant and the Paycheck Protection Program.

Emergency Economic Injury Grants and Economic Injury Disaster Loans

This relief allows for a $10,000 emergency advance for those business in dire need of emergency funds. Per the SBA this advance does not need to be repaid under any circumstance as long as it is used for qualifying expenses (see the Guide).

The application for the funds is completed on the SBA website. If you wish to apply after reading the Guide go to the website. At the top of the page is a link for immediate application. We believe that these funds are first come, first serve, so if you are in need of a $10,000 advance due to the COVID-19 virus we recommend that you apply immediately.

Paycheck Protection Program (PPP) Loans

This relief allows for a loan that can be forgiven for small business owners who are retaining their staff through the COVID-19 pandemic. This loan is separate from the SBA economic injury loans and should not be taken to cover expenses covered by them. Small business owners will need to contact their local lenders in order to apply for this loan.

In addition to the information provided in the Guide, the links below include a sample application for the loan, the borrower’s information sheet, and a lender’s information sheet. This information is also available on the SBA web site and US Treasury web site.


Borrower’s Information:

Lenders Information:

Key parts in this process are maximizing the loan amount a small business can obtain and determining what counts as payroll costs.

What counts as payroll costs?

  • Salary, wages, commissions, or tips (capped at $100,000 on an annualized basis for each employee).
  • Employee benefits including costs for vacation, parental, family, medical, or sick leave; allowance for separation or dismissal; payments required for the provisions of group health care benefits including insurance premiums; and payment of any retirement benefit.
  • State and local taxes assessed on compensation; and
  • For a sole proprietor or independent contractor: wages, commissions, income, or net earnings from self-employment, capped at $100,000 on an annualized basis for each employee.

How large can the loan be?

Loans can be for up to 2.5 times of your average monthly payroll costs from the last year. That amount is subject to a $10 million cap. If you are a seasonal or new business, you will use different applicable time periods for your calculation. Payroll costs will be capped at $100,000 annualized for each employee.

Mizick Miller is available to help you calculate these figures to make sure you maximize your loan amounts and adhere to the lending rules so that you can achieve loan forgiveness from your lender.

In addition to these SBA resources, there are other sources of relief that may be available to you as a result of this pandemic. Currently we are waiting for further guidance on payroll tax credits for retaining employees (Retention credits) that may be refundable to small businesses who retain staff and are significantly impacted by the pandemic. Please continue to follow us on Facebook, look out for e-mail blasts, and check our web site for more information.

Below are some other links we hope you may find useful as we try to get through these tough times.

Helpful resources

Resources are also available to address some of your concerns.

Our commitment to you

Whether you have tax or financial planning questions or need advice on ways to navigate business challenges, we’re here for you. If you have any questions or concerns, please don’t hesitate to contact us at 419-562-0588 (Bucyrus) or 419-294-5109 (Upper Sandusky)

Thank you for allowing MizickMiller to be your accounting and financial information professionals.

Roger R. Miller, CPA, CVA

Matthew J Orians, CPA, CVA


Christmas in Carey 2019


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Group-Rating Safety Accountability

Ohio BWC





          July 2020


           RE: Group-Rating Safety Accountability


Dear Employer:


Each year Ohio employers have the opportunity to participate in BWC’s Group-Experience-Rating Program or Group-Retrospective-Rating Program. While these programs are not required, they do provide you with an opportunity to significantly reduce your workers’ compensation premiums, while increasing your awareness of safety and risk-management strategies.


Workplace safety is an important component of these programs. To succeed in accident prevention, we encourage you to use the many resources available to you. We believe a group-rating program is a partnership that includes you and your employees, your sponsoring organization or third-party administrator (TPA) and BWC. Each has specific roles and responsibilities, all designed to assist in preventing workplace accidents. This letter outlines the safety services expectations you should have as an employer enrolled in a group-rating program.


The employer will:

  • Maintain a safe workplace;
  • Attend safety training to enhance workplace safety;
  • Use BWC’s safety services as needed;
  • Fulfill the required two-hour training requirement and provide proof of attendance to sponsor for claim(s)

    occurring within the last year.


    The certified primary and affiliated sponsoring organizations will:

  • Sponsor eight hours of safety training (this may be done at one time or may be provided incrementally as long as the total is at least eight hours);
  • Provide information regarding safety resources to group members;
  • Possibly assist an employer in achieving its safety needs;
  • Manage employer fulfillment of the two-hour training requirement, where applicable;
  • Publish this letter to group members.


    The TPA may:

  • Assist sponsoring organizations with fulfilling the group-rating safety requirements;
  • Assist an employer with its safety needs;
  • Work in conjunction with sponsors to develop safety training and deliver safety resources;
  • Provide resources for claims handling.


    BWC will:

  • Monitor all group-rating safety activities to confirm requirements are met;
  • Remain in communication with sponsoring organizations to provide recommendations for fulfilling safety requirements;
  • Provide safety training through Ohio’s Center for Occupational Safety & Health;
  • Offer on-site safety consultation (hazard assessments, air and noise monitoring, ergonomics evaluation, training) by a BWC safety professional;
  • Offer publications and videos for safety program support;
  • Conduct employer visits to confirm the employer is meeting group-rating requirements, when appropriate.


The goal of this collaborative effort is to make sure all your safety needs are met. Using these resources will assist you in preventing accidents, reducing claims costs and achieving the highest discounts possible. Below you’ll find contact information for various resources.


Group sponsor:



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