, , , . Keeping all the qualifications straight for either the first or second is no simple task and that’s before you factor in a . But getting your arms around eligibility requirements can help you figure out if the for you and , or if you need .
In addition, keeping tabs on the rule changes from one check to the next can help you understand if you’ll qualify foras well — maybe even for the first time. For example, President Joe Biden is proposing including more people in his that includes . Requirements also take into account your , and and there are specific rules and exceptions for and some people in .
With the, there are still millions of people who may need to claim their share in their as , or potentially even . If this applies to you, it’s important to know how qualifications could affect your total — so read on. This story was recently updated.
The next stimulus check could open up to more dependents
would open up eligibility requirements to . Dependents over age 16 didn’t qualify for the first and second checks, but a change here would make college students, and people of any age with certain disabilities entitled to receive money on behalf of the household total.
That change, were it to happen, would include roughly 13.5 million adult dependents, according to the People’s Policy Project.
‘Mixed-status’ families have different eligibility requirements with the second check and maybe the third
In the, a US citizen and noncitizen spouse are both eligible for a payment as long as they have Social Security numbers. This has been referred to as a “mixed-status” household when it comes to citizenship. Households with mixed US citizenship were left out of the first check.
would include all mixed-status households in a , potentially including families with citizen children and noncitizen parents.
It’s unclear if these previously excluded groups would receive the maximum amount. As we saw with the second stimulus check, dramatic changes can and do happen in the.
In the CARES Act from March, households with a person whoweren’t eligible to receive a stimulus check, even if one spouse and a child were US citizens.
Why more people could automatically qualify for a $1,400 stimulus check
If we see a, or really any amount over $600, more people will automatically qualify for a partial payment than with the first stimulus check. That assumes were to stay the same, and rely on income limits based on your . (More below for people who .)
One way to explain how the size of the maximum ($600 and $1,200 in the case of the first two checks) can change how many people would get a check in the first place, is through the chart below. In a simplified sense, you got the whole amount if you made below a certain amount. If you made more than that, you got a partial payment. If you made “too much” money, you got nothing.
It turns out that the lower maximum check amount in the second check dropped that income limit, so some people who got the first check didn’t get the second. In reverse, a larger third check could mean more people will get a partial check, in addition to the larger payment size overall. For the sake of simplicity, these income limits don’t include qualified children. You can use ourto estimate what you’d get in a $1,400 stimulus check.
$600 second stimulus check income limits
|AGI to receive full amount (both stimulus checks)||Second stimulus check upper income limit (AGI)||First stimulus check upper income limit (AGI)|
|Single tax filer||Under $75,000||$87,000||$99,000|
|Head of household||Under $112,500||$124,500||$146,000|
|Married, filing jointly||Under $150,00||$174,000||$198,000|
The figure in the first column above represents the lower income limit to receive the full amount. Above that figure, your check amount would decrease on a sliding scale the higher your AGI, until it hits the second column, which is the most you can make before you’re disqualified. The third column represents the upper limit from the first check.
Second payment: Child dependents count for $100 more
With the second stimulus check, each eligible adult can get up to $600, decreasing as income raises (more on this above) and each— age 16 and younger — can also qualify for a $600 payment. There is no cap on how many children you can claim for a payment.
As with the first stimulus check, children age 17 and above, andwon’t be eligible for the $600 dependent payout. This excludes roughly 13.5 million adult dependents from contributing to the household total, according to the People’s Policy Project.
Who qualifies for a second stimulus check
|Qualifying group||Covered in final law|
|Individuals||An AGI of less than $87,000|
|Head of household||An AGI of less than $124,500|
|Couple filing jointly||An AGI less than $174,000|
|Children under 17 years old||$600 apiece, no limit on number of children|
|Families with noncitizen spouse||Provided they meet other qualifications|
|US citizens living abroad||Yes, same as CARES|
|Citizens of US territories||Yes, same as CARES, with payments handled by each territory|
|SSDI and other tax nonfilers||Yes, but may require an extra step to claim (more below)|
|Incarcerated people||Initially excluded by IRS interpretation, but now included by court order|
|People who owe child support||Excluded under CARES, but included in new bill|
Not covered in final law
|Non-US citizens||“Resident aliens” are not included|
|Noncitizens who pay taxes||Not included if spouse is not US citizen|
Noncitizens aren’t currently eligible for stimulus money, even if they pay taxes
The CARES Act made a Social Security number a requirement for a payment. While earlier proposals would have expanded the eligibility to those with an ITIN instead of a Social Security number because they’re classified as, this group of people is again excluded in the final bill text that authorizes a second stimulus check. We’ll have to wait to see how this group is addressed in a final third check.
Child support won’t be garnished from your check to cover overdue payments anymore
If you owed child support, your(the amount you owe). With the second check, those who to cover past-due payments. It’s unlikely we’ll see the third stimulus check walk this back.
People who are incarcerated could get a stimulus check per current law
After months of back and forth, the IRS was ordered by a federal judge to. They are not excluded from the new law, which means eligibility for this group currently stands. It’s unclear if there will be any more details in the third stimulus check bill, though this is more likely to continue as a matter of interpretation, as it is now.
Your taxes and stimulus check eligibility go together
For most people,. For example, the most important factor in setting income limits is , which determines how much of the total amount you could receive, be it $600 or $1,200 for individuals and $1,200 or $2,400 for married couples (excluding children for now). The same will hold true with a third stimulus check.
Read more below for your eligibility.
If you’re an older adult or retired, here’s how you could be affected
Many, received a first stimulus check under the CARES Act and will be eligible for a second one. For older adults and retired people, factors like , , your pension and if you’re part of the (more below) will affect if you receive a second payment.
The third stimulus check could make older adult dependents eligible to receive more money on behalf of the household. Here’s how to determine if you.
Nonfilers are still eligible for stimulus checks
With the second payment, the IRS will use your 2019 tax returns to determine eligibility.in 2018 or 2019, may under the CARES Act. And this group will qualify again. Here are reasons you might not have been required to file:
If you still haven’t received a first or second check even though you were eligible, you can.
People who receive SSI or SSDI usually qualify for a payment
Those who are part of theunder the CARES Act. Recipients wouldn’t receive their payments via their Direct Express card, which the government typically uses to distribute federal benefits, but through a non-Direct Express bank account or as a . SSDI recipients can file next year to request a payment for themselves and their dependents.
In the, these recipients will again qualify to receive payments, along with Railroad Retirement Board and Veterans Administration beneficiaries.
For more information, here are thetoday, everything you need to understand about and .