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CINCINNATI — When Irina Chamberlain went online to pay her student loans, she was surprised to learn that she's dead.Chamberlain — who moves, talks and isn't decomposing — said she was declared dead by the Social Security Administration in early December. Since then, she's had trouble accessing her bank accounts and making payments. "With my busy life, I'm always running, doing something," she said. "I actually thought, 'Maybe I actually died and did not realize that.' I reached for my dog and I was like, 'Can I touch them? Am I still alive, or what's going on?'"The mistake led Chamberlain to call the Social Security office, which she said had her on hold for an hour. "She said, 'Well, what's more important — to lose money or prove that you're alive?' I said both are important, but who pays me for losing a day of work," Chamberlain said.Since Chamberlain was declared dead, she hasn't been able to make deposits or withdrawls, or pay any bills. The process of being declared alive is also taking a lot of her time."I don't have time to prove that I'm alive," she said. "Somebody's mistake should exist like that, you can't [make a] mistake like that, claim somebody dead and don't even check maybe this person is alive."It could take months to get sorted out, according to Deborah Wagner, a senior attorney with Legal Aid."A lot of times it happens if your spouse dies and you have a joint bank account," Wagner said. "They report it, and for some reason the names get confused and it gets reported on both Social Security numbers."Chamberlain said the only death in her family was her father-in-law back in October."He's a male, completely different life and Social Security number, but same last name," Chamberlain said. "But everybody else in my family is alive, except me."Chamberlain is one of thousands of people this happens to each year. About 2.8 million deaths are reported to the Social Security Administration each year. A spokesperson said less than a third of a percent are corrected.In a statement, the Social Security Administration said it "recognizes erroneous death cases are very sensitive because of financial hardship and distress," and that it works to correct cases like this immediately.Wagner said Legal Aid gets about two of these cases a year."You have nothing," she said. "They've frozen your bank accounts, you can't use credit cards."It used to happen even more often, according to Mike Walters. He used to work as a claims representative with Social Security, and is now Pro Seniors."It used to be that Social Security would take phone calls and take somebody's benefits based on a phone call from a family member who said, 'My mother passed away,'" Walters said.Now, there are more checks and balances in place to avoid something like Chamberlain's situation."There were serious problems with resurrecting somebody on the computer system if they got terminated," Walters said.But why does something like this happen in the first place? Walters said the error could have had to do with the fact that Medicare used to have Social Security numbers on Medicare cards. "The Medicare number would be that spouse's Social Security number followed by a letter," he said. "Hospitals would report death in a patient, and maybe left off that letter at the end of the claim number."There are a lot of reasons why it could've happened. According to the Social Security Administration, deaths are reported to them from states, family members, funeral homes and financial institutions. 3527
Chicago police on Wednesday released a portion of their investigative reports in the case of actor Jussie Smollett, a day after prosecutors 152

COVID-19 has claimed the lives of thousands of people around world. It has sent financial markets into a downward spiral and now, the backbone of the American economy, roughly 30 million small businesses, is in jeopardy.“Most small businesses really don’t have much in the way of cashflow,” said Todd McCracken. “They are in the position to last for days maybe weeks, for the most part, if they don’t have money coming in the door.”McCracken is with the National Small Business Association. Many of NSBA’s 65,000 members have had to shutter their doors temporarily in the name of public health, but the longer these businesses remain closed, the more concern there is over whether some will ever reopen.“Small businesses are half our economy,” McCraken added. “Most new jobs are provided by smaller companies and about half of all non-governmental employment is provided by smaller businesses.”So, what exactly do small businesses in America need right now to survive this pandemic, the financial side at least?“They need liquidity, they need cash. That’s the bottom line,” said McCracken.Some small businesses are getting cash from bigger companies, like Facebook. Last week, the social media giant pledged 0 million in grants for 30,000 small businesses struggling right now.In addition, the U.S. small business administration has begun offering up to million in low-interest disaster relief loans to small businesses effect by COVID-19. The loans are 2.75 to 3.75 percent.Meanwhile, a growing number of states, like Florida, are offering no-interest loans. Typically though, they max out at ,000 per small business.Importantly to note, whether a business is applying for private sector grants or government loans, they should expect the process for both to take a few weeks. A few weeks could just be too long for many of the small business feeling the financial impact of this pandemic, and that is why organizations like the NSBA are closely watching the second stimulus package being proposed in congress.The latest version of the package would offer 0 billion in small business loans that are expected to be issued in a faster timeframe and with more substantial benefits. The catch is small businesses who get this money have to commit to not to laying off their current employees.“This is a really good package for small companies,” said McCracken. “It would allow them to get a loan, we hope very quickly to support their operations but importantly the amount they spent on staffing and their rent payments can be completely forgiven.”What is loaned but not used for rent and staffing would have to be paid back, but the business has a year to do so. “There are still going to be hiccups I am sure, because we’ve never tried anything like this before,” said McCracken, “because this is literally going to be millions of small businesses applying for these loans in a very tight window.”McCracken, most financial analysts and even economist believe if small businesses can stay afloat, then the economy and average Americans should be able to bounce back faster post-COVID-19. 3110
Dozens of protesters bearing bearing photos of Stephon Clark and Black Lives Matter signs were arrested Monday night in a show of disobedience against the decision to not file charges against the police officers who killed Clark.More than 80 people were arrested, police said.Sacramento Police Capt. Norm Leong, who live-tweeted the protest, said the arrests were for unlawful assembly. He also said that 417
Dollar General announced that starting on Tuesday, the first hour of shopping will only be open to seniors. The company also announced that locations will begin closing an hour earlier to give employees a chance to clean and restock. The announcement comes as store shelves nationally are running low of some supplies amid concerns of the spread of coronavirus. Seniors are considered particularly at risk to the symptoms of coronavirus. "Dollar General remains committed to providing customers and employees with a safe, clean and pleasant shopping environment at all stores and seeks for customers to feel confident when shopping," Dollar General said. 667
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