Resources for the
Unemployed
Presented by
Maine Equal Justice Partners
What We’ll Cover
• What protections there are against
job loss
• Who might be eligible for
Unemployment benefits
• What other resources might be
available
I’m losing my job.
What do I need to know?
Maine Law provides some protections for workers when
they leave their jobs. These include:
• Protection against being fired or laid off, if the
employer’s decision is based on unfair treatment
because of your race, sex, religion, sexual orientation,
age, physical or mental disability, national origin,
ancestry or genetic predisposition;
• The right to wages that are owed, including pay, earned
vacation time, and sometimes even severance pay.
When is it illegal to fire a worker?
In most situations, it is not illegal for an employer to fire a worker. But, if you have a
contract, it may include some protections.
Some cases in which it may be illegal to fire you:
•
Workers’ Compensation Protections: It is illegal to fire you because you make a claim
for workers’ compensation benefits.
•
Discrimination: The Maine Human Rights Act protects you against unlawful
discrimination. You can file a charge with the Maine Human Rights Commission (MHRC)
if you think you were fired because of your race or color, sex (includes pregnancy status),
religion, sexual orientation, age, physical or mental disability, ancestry or national origin,
or genetic pre-disposition. You can also file a charge if you think you were fired because
you complained to your employer about discrimination or because you were involved in
an MHRC investigation.
•
Protections for “Whistleblowers”: It is illegal to fire a person for being a
“whistleblower.” A whistleblower is a person who reports an action or condition at the
workplace that s/he believes is either very dangerous or illegal.
What should I do if I think I was fired
for any of these reasons?
• If you think you were fired because your employer unlawfully
discriminated against you, because you made a complaint to the Human
Rights Commission or because you “blew the whistle”, you can file a
complaint with the Maine Human Rights Commission:
Maine Human Rights Commission
51 State House Station
Augusta, ME 04333
Phone: (207) 624-6050
TTY: 1 (888) 577-6690
Online: http://www.maine.gov/mhrc/index.shtml
You can complete an intake form online at:
http://www.maine.gov/mhrc/file_a_charge/index.html
Some Important Rights for Workers
State and federal laws provide some protections
to workers who need time off in family
emergencies. These laws may help you if you
are:
– Coping with an illness or disability (yours or a
family member’s)
– Expecting a child or have a newborn
– Experiencing violence against you or a member of
your family
Family Sick Leave
• This state law allows some Maine workers to use a portion of
the paid leave time they have earned in order to care for their
child, spouse, or parent who is ill.
• This Maine law gives you the right to use up to 40 hours a year
of your paid sick time, vacation time, or compensatory
(“comp”) time to care for a sick child, parent, or spouse, if:
– You work for an employer (public or private) with 25 or more
employees; and
– Your employer provides paid sick, vacation, and/or comp time; and
– You have already “earned” the amount of leave that you want to take
(up to 40 hours).
What if your employer violates the family sick
leave law?
If your employer refuses to let you use your sick, vacation, or
comp time to take care of your family; OR threatens to fire or
otherwise punish you for requesting this leave…
Call the Maine Department of Labor, Wage and Hour Division:
Phone: (207) 624-6400
TTY: 1 (800) 794-1110
They have the authority to enforce Maine’s Family Sick Leave.
For more information:
Read Maine’s Family Sick Leave law in the Maine Revised Statutes at:
26 MRSA Section 636, which can be found online at:
http://janus.state.me.us/legis/statutes/26/title26sec636.html .
Family and Medical Leave in Maine
There are two Family and Medical Leave laws that affect Maine workers—a state law
and a federal law.
They both give certain workers the right to take time off from work because of a serious
health condition (yours or a family member’s) or the birth or adoption of a child.
Neither of these laws requires that you be paid during the leave, unless you use benefits
you have earned (like sick or vacation time) for some or all of your leave.
In general, the Maine law covers more people, but the federal law gives better
coverage, if it applies to you. When there is a difference between the state and federal
law, you can use the one that is more generous, as long as you qualify under that law.
But, you can’t add your state and federal leave time together to take the maximum
amount of time under both laws. Any leave time you take under one law is offset
against the other.
Family Medical Leave – comparison of state and federal law
Which employers must
provide leave?
How much leave can I take?
How long must I have
worked?
Can I continue my health
insurance coverage while I’m
on leave?
Maine law

Employers with 15 or more
employees at one location (all
employees count—even those
working part time)

State agencies

Cities and towns with 25 or more
workers
Up to 10 weeks of unpaid leave in a 2year period
At least 12 months in a row
Federal law
Employers with 50 or more employees,
all working within 75 miles of each other
Any federal, state, city or town
government or agency, including schools
Your employer is not required to pay
any of the cost of your health
insurance premium while you are on
leave. But, if you agree to pay the full
cost of the premiums while you are
out, you must be allowed to continue
your health insurance coverage.
Your employer must continue your health
insurance benefits just as if you were
working. This includes paying for some or
all of your health insurance benefits if
that is what happens while you are
working. Also, your employer must treat
other benefits, like holiday pay, the same
way that other employees on other types
of leave are treated.
Up to 12 weeks of unpaid leave each year
At least 12 months total, but the weeks
don’t have to be consecutive. You must
have worked at least 1,250 hours during
the 12 months before your leave (an
average of about 24 hours per week
throughout the year).
There are rules regarding what health conditions enable you to access
Family Medical Leave, what the time lines are for requesting leave, the
process for requesting leave, whether you must take the time all at once or
can take it intermittently, etc.
For more information:
•
Visit the Pine Tree Legal Assistance website at: http://www.ptla.org/family-medical-leave-maine
•
Read the Maine Family Medical Leave Act at: 26 MRSA Section 843, which can be found on the Internet
at: http://janus.state.me.us/legis/statutes/26/title26sec843.html
What if my employer violates the state or federal law?
•
Talk to a lawyer. Your lawyer can go to court and ask that your employer give you your leave, pay you
anything you are owed, pay a fine, and pay for your lawyer’s fees and court costs, too.
•
If you qualify for a leave under the federal law, you can also file a complaint with the U.S. Department of
Labor, Wage and Hour Division: 1 (886) 487-9243 or TTY 1 (877) 889-5627.
•
For violations of the state law, you can file a complaint with the Maine Department of Labor: 207-6237900 TTY 1-800-794-1110. They may be willing to contact your employer and advocate for a favorable
outcome. However, if this doesn’t bring the results you are looking for, your next step would be to go to
talk to a lawyer.
Leave of Absence Under the Maine Human
Rights Act (MHRA) and Americans with
Disabilities Act
If you don’t qualify for family medical leave, but you have a disability, you
may be entitled to leave under anti-discrimination laws.
Both the MHRA and the ADA require employers to make “reasonable
accommodations” for employees with disabilities. Under some
circumstances, leave may be a “reasonable accommodation.”
If you need short periods of time off to obtain medical treatment, recover
from a disability, or other disability-related reasons, your employer must let
you use paid or unpaid leave unless your time off creates a hardship.
If you need a longer leave of absence because of a disability, your employer
must give you the time off, and return you to your job, unless holding open
the position would impose an undue hardship on the employer.
Are there any other reasons why my termination from
work might have been illegal?
Your employer may not fire you solely because:
• You were called for jury duty;
• The state is taking money out of your paycheck for child support;
• The state is taking money out of your paycheck to collect an overpayment
of public benefits;
• You complained about not getting overtime pay or minimum wages.
• Your employer was contacted to verify your eligibility for certain public
benefits. For example, Anne is getting General Assistance from her town.
The town welfare director calls Anne’s boss to verify her income in order
to find out if Anne qualifies for help from the town. The law says that
Anne’s boss cannot penalize her because the state or town asked for
information about Anne.
• Am I entitled to severance pay if I’m laid off from my job?
Under Maine law, some employees are eligible for severance pay if their plant closes, moves, or lays off a large
number of employees. You may be eligible for severance pay, equal to 1 week’s pay for each year of employment,
if all of the following are true:
•
You worked for the company for 3 years or more;
•
The company (or part of the company) closed or moved at least 100 miles away;
•
The company employed 100 or more employees at some time in the year before it closed or moved;
•
You have not taken a job at the company’s new location; and
•
The company didn’t close because of a fire, flood, other natural disaster, or because of a final bankruptcy order
from the court.
If you are eligible for severance pay under a contract with your employer and this amount is smaller than what is
required by Maine law, your employer must pay you the difference.
For more information, or to file a complaint:
Maine Department of Labor
Bureau of Labor Standards
Voice: (207) 624-6400
TTY: 1 (800) 794-1110.
If you are a member of a union, you can contact your union representative.
Read the Maine law at: 26 MRSA Section 625-B, which is available on the Internet at:
http://janus.state.me.us/legis/statutes/26/title26sec625-b.html
Other Questions That May Arise
• Who should I call if my employer refuses to give me my
back wages?
• What if my employer goes bankrupt or out of business and
doesn’t pay me what I’m owed?
• Maine Department of Labor
Wages and Hours Division
Voice: (207) 624-6400
TTY: 1(800) 794-1110
Unemployment Compensation
Many unemployed workers are
eligible but don’t know it…learn
more
The Basics
• Unemployment Insurance (UI) provides weekly benefits to
workers unemployed “through no fault of their own”
• Maximum weekly benefit: $378.00 (plus $10 per dependent
per week up to one half the weekly benefit amount)
• Average weekly benefit amount: $281
• Maximum duration of benefits: 26 weeks plus two federal
extensions of 14 and 6 weeks = 46 weeks total (October
2013).
• Additional 26 weeks available if in an “approved” training
program.
How to apply; how you will receive your UI benefits
• You can file for unemployment benefits online, by telephone,
or through the mail.
• To file online go to:
http://www.maine.gov/labor/unemployment/howtofile.html#online
• To file by phone call toll-free: 1-800-593-7660
• You have two options for receiving your unemployment
benefit payments:
– Direct Deposit - your benefit payments are deposited to your
checking or savings account; or
– Maine Automated Payment (MAP) Visa Debit Card - your
benefit payments are deposited to a prepaid debit card that
can be used at ATMs, financial institutions and anywhere that
the Visa logo is displayed.
Many workers are eligible for UI, but
don’t know it
• Low-wage workers are among those least likely to receive
UI when they become unemployed:
they are 2 ½ times more likely to lose their jobs as
higher wage workers, BUT
only half as likely to get unemployment benefits when
they do.
• Many workers don’t think they are eligible because:
They don’t think they worked long enough to qualify;
They believe that the circumstances of their job
separation (fired or quit) make them ineligible for UI.
I didn’t earn enough money to qualify
for UI…or did I?
Under Maine law workers will qualify monetarily
for UI if they earn:
 6 x the state’s average weekly wage ($4,371.78) in their
“base period” (a 12-month period ending either one or
two quarters before you make your UI claim); and
 2 x the AWW ($1,457.26) in each of two quarters in your
base period.
It may be easier to qualify than you think—for example:
A minimum wage earner may qualify for UI if she works:
 20 hours a week for 30 weeks in the year; or
 35 hours a week for 20 weeks spread over at least two quarters in
the year.
I quit my job—am I eligible for UI?
As a general rule people who quit their job won’t be eligible for UI,
BUT there are several important exceptions.
You may be eligible if you quit:
• For Good Cause attributable to the employment. You won’t be disqualified if you
left your job for a good reason related to your employment (e.g. allergic to materials at
work; work environment caused serious anxiety; sexual harassment in the workplace).
You’ll need to show that you talked to your employer and tried to remedy the problem
but could not.
• Because of your illness or illness or an immediate family member. You will need
to show that you (1) quit because of an illness or disability of an immediate family
member; (2) took reasonable steps to protect your job by promptly notifying your
employer of need for time or a shift change; and (3) your employer told you that your
request was denied.
more…..
Voluntary Quit Exceptions continued…
• To follow your spouse and you are able, available
and actively seeking work in your new location.
• To accept a new job but the job fell through for
reasons caused by your new employer.
• To protect yourself or any family member from
domestic violence. This includes leaving because
you believe that staying at your job is unsafe. You
must show that you did what was reasonable
under the circumstances to keep your job.
more….
Voluntary Quit Exceptions continued…
• The job you quit was not your “regular”
employment. For example, you have always
worked as a teacher’s assistant but took a job in a
fast food restaurant for a few weeks and quit.
(WARNING: the longer you stay in a non-regular
job, the more like a “regular” job it becomes).
• Because of a reduction in force. In this case the
employer must have announced a layoff; asked
for volunteers; you volunteered to be laid off and
your employer accepted your offer.
I was fired—can I still get UI?
Many people believe that if you were fired from your
job you cannot get UI. This is not necessarily true.
If you were fired, whether or not you can get UI
depends on whether you were fired for "misconduct”
as defined in Maine’s UI law.
Generally speaking, “misconduct” will be found when a
worker willfully does something that causes serious
harm to his or her employer.
What is “Misconduct”
Here are some examples of how Maine law defines misconduct:
Misconduct is:
•
Failure to exercise due care for punctuality or attendance after warnings;
•
Violation of a reasonable workplace rule (not just any rule) that you knew about and that is
uniformly applied and enforced;
•
Dishonesty;
•
Theft;
•
Using illegal drugs or alcohol while on the job;
•
Unauthorized sleeping on the job;
•
Endangering the safety of yourself, coworkers, customers or members of the public while on
duty;
•
Destroying property.
more….
Misconduct continued…
Misconduct is not:
• an isolated error in judgment;
• failure to perform satisfactorily when you made a good faith effort to
perform the duties assigned;
• absenteeism caused by your illness or the illness of an immediate
family member if you made reasonable efforts to give notice of the
absence and to comply with the employer's notification rules and
policies;
• failure to follow an employer’s rule or order when you had a good
reason not to (e.g. following it would have jeopardized your safety).
I am a part-time worker—can I get UI?
Part-time workers are eligible for UI if:
• You worked part-time for the majority of weeks in
your “base period” AND you are looking for work
for at least the same number of hours now;
• You worked full-time for the majority of weeks in
your base period, but can only work part-time now
because of :
the illness or disability of yourself or an immediate family
member; OR
limitations necessary for your safety or protection or that of an
immediate family member (e.g. domestic violence; no access to
necessary child care).
I can’t look for work because I’m in an education
or training program—can I still get UI?
• Unemployed workers in an “approved” education or training program
can continue to receive UI benefits if they are otherwise eligible.
• Workers in “approved” training are not required to search for work.
• Training is automatically approved if the worker is enrolled in a program
under the Workforce Investment Act (WIA).
• Otherwise a worker can petition the UIC to approve their education or
training program. It will likely be approved if the training is for an “in
demand” job and the training provider is accredited or otherwise
reputable.
• Workers in approved training may be eligible for an additional 26 weeks
of unemployment benefits through the Dislocated Worker Program.
Important programs for people who are
unemployed or working for low wages
•
•
•
•
•
•
•
Food Supplement benefits
MaineCare & other health care assistance
Temporary Assistance to Needy Families (TANF)
Alternative Aid
General Assistance
LIHEAP
Emergency Assistance
Are You Leaving Money on the Table: http://www.ptla.org/are-you-leaving-money-table
Food Supplement program
• The Food Supplement program (formerly called Food Stamp program;
a/k/a SNAP) helps people pay for food.
• Each month people get Food Supplement benefits in a Food Supplement
account. The program gives them a card, like a debit card from a bank,
which they can use to buy food at grocery stores.
• Almost all people with low income are eligible for Food Supplements. You
do not have to live with children, receive TANF, or be elderly or disabled to
get Food Supplements. Many people work and get Food Supplements.
• Food Supplement Estimator: http://www.ptla.org/maine-foodsupplement-estimators
MaineCare
In order to be eligible for MaineCare you must fall into a “category” such as:
– Child from 0 to 18
– Parent with minor child(ren) that lives with you
– 19 & 20 year old
– Elderly – over 65
– Disabled
– Pregnant
– Other less common category such as HIV positive, Medically Needy, etc.
If you don’t fall into one of these categories then you would be considered a socalled “non-categorical” – an adult between the ages of 21 and 64 who is not
disabled or pregnant and does not have minor children that live with you.
There are different income eligibility levels for the different categories. Please see
your handout called “Maine’s Medical Assistance Programs: Who’s Covered and
Who’s Not?”
The Health Insurance Marketplace
The Affordable Care Act (ACA) created a health insurance
Marketplace where people can purchase private health
insurance.
People under 400% FPL ($78,120 for a family of 3) may qualify
for subsidies to make the insurance more affordable.
If you lose your job you can sign up for insurance in the
Marketplace, or change the insurance plan you have in the
Marketplace, at any time (regardless of whether it happens
during the open enrollment period). For more information or
to sign up, visit www.healthcare.gov. To find help applying
visit www.enroll207.com.
Federally Qualified Health Centers
Maine is home to 19 federally qualified health centers
(FQHCs, also referred to as community health centers),
which operate over 100 delivery sites that can be found in
areas and among populations in the state with the greatest
needs. At FQHCs, payment for services is based on the
patients’ ability to pay.
Patients are charged on a sliding fee scale to ensure income
or lack of insurance is not a barrier to health and dental care.
To find an FQHC in your area go to:
http://www.mepca.org/html/find_a_health_center.html
MedAccess: 877-275-1787
MedAccess works with individuals and
healthcare providers to identify ways patients
can save money on prescription medications.
The program helps patients and providers
evaluate options including low-cost generic
programs, Medicare Part D, patient assistance
programs and other state and local programs
that can help save on prescription medication
costs.
Maine Breast and Cervical Cancer
Program
Helps uninsured women, age 40-64, pay for
breast or cervical cancer screenings at a
participating provider service location site.
Uninsured women diagnosed with breast or
cervical cancer or undergoing treatment for
breast or cervical cancer may also qualify for
MaineCare if their income is below 250% FPL.
Hospital Free Care
All hospitals are required to provide free care to Maine
residents who are unable to pay for hospital care.
State regulations require hospitals to provide free care to
people with income below 150% FPL – BUT SOME
HOSPITALS provide free care to people with higher income.
Please check with individual hospitals about their Free Care
guidelines – most are available on-line or go to Consumer’s
for Affordable Health Care website:
http://mainecahc.org/guide_hospital.htm#income
TANF
TANF stands for Temporary Assistance for Needy Families. It is a cash benefit for families
with minor children in their home.
In order to get TANF you must meet certain eligibility rules. You must show that your child
is deprived of the care and support of at least one parent, that you have very low income,
and you must take part in the ASPIRE program, unless you have good cause not to.
Number
in household
1
2
3
4
5
6
7
8
Gross Income Test
$ 578
$ 855
$ 1116
$ 1379
$ 1641
$1904
$ 2165
$ 2427
Maximum Grant
$ 230
$ 363
$ 485
$ 611
$ 733
$ 856
$ 981
$1,105
If the TANF household spends 75% or more of their income on housing, their Maximum
Grant could be up to $200 more.
For More Information: http://www.mejp.org/sites/default/files/TANF-ASPIRE-guide.pdf
Parents as Scholars
PaS is a student aid program that helps low-income parents in 2 or 4 year college programs. It is limited
to 2,000 participants at any one time. At this time – October 2013 - there are less than 600 parents
enrolled in PaS, so there is still plenty of room in the program.
You are eligible for the PaS program if all of the following are true:
1.
You are eligible for TANF;
2.
You are "matriculating " (enrolled) in a two or four-year postsecondary degree program;
3.
You do not already have a bachelor’s degree in a field where
there is work available to you;
4.
You do not have the skills to earn at least 85% of Maine’s
median wage ($995 per week for a family of three);
5.
The degree you will be receiving will improve your ability to
support your family; and
6.
You have the aptitude to complete the educational program
that you have chosen.
For more information: http://www.mejp.org/content/parents-scholars-pas-program-guide-pdf
TANF Five Year Time Limits
As of January, 2012, a family cannot get TANF
for longer than 60 months unless they qualify
for an “exemption” or an “extension.” This is a
lifetime limit.
Any month that you got TANF cash assistance as an
adult since June 1, 1997 will count toward the 60month time limit. A month will count whether you got
TANF in Maine or any other state. A month will also
count if you were in the Parents as Scholars program.
TANF Extensions
You may be able to get additional months of TANF after you reach your 60-month time
limit if you qualify for a “hardship” extension. DHHS will decide if you can get an
extension when you are about to reach your 60-month time limit. In most cases an
extension will last for as long as you meet the requirements for it. You will be expected
to renew the extension at least every 6 months.
The following extensions are available:
– Domestic Violence Extension
– Disability Extension
– Extension for Caring for a Significantly Disabled Family Member
– Education or Training Extension
– Working Families Extension
– Pregnancy Extension
– Job Loss Extension
– Emergency Situation Extension
For more information about Extensions and Exemptions, please check out our website
at: http://www.mejp.org/content/tanf-time-limit-rules-hardships
Alternative Aid
Help for an emergency that prevents you from getting or keeping a job
This is an important program for low-income working families – but many don’t know
about it. It helps families with children who do not receive TANF to resolve emergencies
that prevent them from getting or keeping a job. For example, the program provides help
with car repairs, childcare, uniforms, housing-related emergencies, or even dental work if
those things are needed to help you get or keep a job.
Income Eligibility
Amount of Benefit
Family Size
Gross Monthly Income*
Family Size
Alternative Aid up to:
2
3
4
5
6
$1,720
$2,165
$2,611
$3,056
$3,502
2
3
4
5
6
$1,089
$1,455
$1,833
$2,199
$2,568
* If you get child support, deduct the first $50 from your income
before checking the amounts on this chart.
Alternative Aid is paid in the form of a voucher
You can apply for Alternative Aid once every 12 months. Families who have timed off
TANF due to the 60 month time limit can still qualify for Alternative Aid.
General Assistance (GA)
General Assistance is a program of last resort for very low-income households when
work or other benefit programs cannot meet their basic needs. Towns and cities run
General Assistance (GA). Every municipality in Maine has a GA program. GA can help
with basic necessities, such as rent, food, clothing, fuel, electric bills, or prescription
drugs.
•
Apply for GA at your town office. For those living in unorganized townships, apply
to the Department of Health and Human Services (DHHS) (toll-free) at 1 (800) 4426003;TTY (207) 287-6948.
•
If you have trouble applying for GA in your city or town, call DHHS (toll-free) at 1
(800) 442-6003 and ask for help getting GA. Be aware that if your application for
GA is denied, you have only 5 days to appeal. For help with appeals, contact Pine
Tree Legal Assistance.
• For more information about GA:
Visit or call your local Pine Tree Legal Assistance office, or look on their website at:
http://www.ptla.org/general-assistance-maine
Fuel assistance: the Low Income Home
Energy Assistance Program (LIHEAP)
Low-income households can qualify each heating season
for help with their fuel bills through the Low Income
Home Energy Assistance Program (LIHEAP). You can
apply at your local Community Action Program (CAP).
For more information about LIHEAP:
Visit the Maine State Housing Authority website
http://www.mainehousing.org/programsservices/energy/energydetails/low-income-home-energyassistance-program
The Emergency Assistance Program (EA)
To be eligible for Emergency Assistance (EA), you must:
• Have a child 20 or younger who lives in your household or be in your
last trimester of pregnancy; and
• Be a “specified relative” of the child. (This is almost any relative
including a stepparent, grandparent, adoptive parent, aunt, sibling, or
the spouse of any relative); and
• Have income at or below 100% FPL ($1,628 for a household size of 3).
You may also qualify if you get TANF, Parents as Scholars, SSI, or Food
Stamps as long as every household member applying for EA gets one of
these benefits.
Important note: You can get Emergency Assistance only once every 12
months. Since you will not be able to qualify again for twelve months,
apply for everything you need (up to $600) at the same time, or within 30
days of your first application.
Emergency Assistance - continued
Five (5) kinds of emergencies qualify for help from the Emergency Assistance (EA)
program.
•
Disasters. If a fire, flood, or storm damages your home or basic household items, EA can help. It
can replace things like clothing, food, or basic household items. You can also use it to pay for
moving or storing basic household items after a disaster. You must apply for EA within 90 days of
the disaster. Maximum assistance: $350.
•
Repair or Replacement. If your septic system, chimney, plumbing, furnace, or similar kind of
equipment breaks or wears out, EA can repair or replace it. Maximum assistance: $500.
•
Eviction or other housing emergency. Maximum assistance: $250.
•
Utility shut-off. If your utility has been shut off or you have a shut off notice for your electricity,
gas, water, or sewerage, EA can help pay past due bills. If you were shut off in the past and you
have to pay that old bill before you can get service in your name, EA can pay that old bill. EA will
only help if the company will not shut off or will restore your service if the payment is made.
Maximum assistance: $150.
•
Special medical equipment or clothing. If someone in your family is physically or mentally
incapacitated, EA can help pay for special equipment or clothing. Examples include the cost of
adapting your home, corrective shoes, leg or back braces, or special stockings. Eyeglasses for adults
are not covered. EA will not pay for items that you can get through MaineCare or Vocational
Rehabilitation. Maximum assistance: $250.
THANK YOU for the work
you do and for taking the time to
come to this workshop today.
Any Questions or Comments?
46