If you’re expecting to receive a, either by or , it’s a good idea to first make sure you know which stimulus eligibility requirements have changed. Your , for example, which is determined by and , is only one piece of the qualification puzzle. There are also circumstances in which your , , and can affect your eligibility. We’ll walk you through who , and the major qualification changes between the first and .
Since the end of December, the IRS has beenthrough , and . But after Jan. 15, the US Treasury and IRS will stop sending payments because, well, . (Here’s how to and .)
Regardless, our chart below will help you understand which categories of people will get a, and our can help you estimate what your household’s payment will be, based on your individual situation. Meanwhile, calls for a have intensified now that Democrats control the Senate. Results of the amid . We update this story often.
The income limit to qualify for a second payment is capped at a lower amount. Here’s why
Thesets the income limits for a $600 second check closely to the first, but comes with a few adjustments. As with the first direct payment under the , the income limits are based on your .
In one change for the $600 check, Congress decided to just use your 2019 AGI to determine if you qualify for a stimulus check, assuming you meet the other requirements — and not your AGI from 2018 if you didn’t file a tax return in 2019. (More below for people who don’t normally file taxes.)
The chart below shows the income limits for the, which is lower than the first . For the sake of simplicity, these income limits do not include qualified children, so use to estimate your specific situation.
$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.
Adults and qualified kids are both eligible for up to $600 each with the second payment
With the, each eligible adult will 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, andwill not 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|
Families with a ‘mixed-status’ case have different eligibility requirements with this check
In the, a US citizen and their 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.
In the CARES Act from March, households with a person who waswere not eligible to receive a stimulus check, even if one spouse and a child were US citizens.
Other noncitizens aren’t eligible for a payment, even if they file federal 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.
Child support cannot be garnished from your check to cover late payments
If you owed child support, your(the amount you owe). In the new bill, those who to cover past-due payments.
People who are incarcerated aren’t excluded from getting a second 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.
Your taxes play a large part in stimulus check eligibility
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).
Read below for your eligibility if you don’t typically file taxes.
If you’re retired or an older adult, 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.
Don’t worry — if you didn’t submit your 2019 federal tax return, you’re still eligible for a second stimulus check
With the second payment, the IRS will use your 2019 tax returns to determine eligibility. People who weren’t required to file a federal income tax return in 2018 or 2019 mayunder the CARES Act. And this group will qualify again. Here are reasons you might not have been required to file:
With the first stimulus check, nonfilers needed to provide the IRS with some information before they could receive their payment. (If you still haven’t received a first check even though you were eligible, the IRS said you can claim it on your taxes in 2021.)who may have fallen into this category but who haven’t requested their payment. Those in this group can claim their payment on next year’s taxes.
Under the new law, those who used the IRS nonfiler portal to file for the first check will also receive a second payment. We’ve reached out to the IRS and US Treasury to clarify what action, if any, these nonfilers will need to take.
People who receive SSI or SSDI will likely qualify for the second check
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.
Under the new law, these recipients will again qualify to receive payments, along with Railroad Retirement Board and Veterans Administration beneficiaries.
For more, here’s what we know about the. We also have information on the chances of a . Here are the top things .