If I reduced employees' wages and then restored wages, can the EZ form still be used?

No. The language of the EZ form says "The Borrower did not reduce salaries or hourly wages by more than 25 percent for any employee during the Covered Period or Alternative Payroll Covered Period compared to the period between January 1, 2020 and March 31, 2020."

Line 6 of the PPP Schedule A only mentions "Health Insurance". Does that mean that Dental, Life or LTD Insurances are not allowed to be forgiven?

Eligible health benefits paid by employer include medical, dental and vision. The regulation does not include Life or LTD insurances in the definition of payroll costs.

Line 9 of the PPP Schedule A: For Non-Profit organization: Do we enter ZERO in this line since there are no "paid" owner?

Yes. Please ensure that the pay for your leaders is included in the salary questions.