Second stimulus check: Is one coming and are we getting another $1,200? Here’s the latest


White House and Congressional leaders are working on different proposals for a second economic stimulus package for 2020.

Angela Lang/CNET

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Several months after the IRS first started making stimulus payments, Washington politicians are now considering the merits of a second round of checks to help support a shaky US economy. Senate Republicans, House Democrats and White House advisers are each mapping different routes to another financial rescue bill — including how much money would be dispensed to individuals, families and people who are out of work.

An alternative is that the next coronavirus stimulus package would combine elements of all three approaches, as White House and Congressional leaders work to find common ground.

The timeline for a second stimulus payment is also fairly open. Senate Majority Leader Mitch McConnell said Congress may decide in the next few weeks if it will take up another round, CNBC reported, and White House officials anticipate that the executive branch will work on its own proposal through July, according to The Wall Street Journal. It’s hard to know if the protests sweeping the globe in response to the death of George Floyd will affect the government’s agenda. 

Here’s what we know today about what Washington is working on and what you can expect from the proposals. This story updates frequently with new information and is intended to provide an overview of the situation. If you’re waiting for your first stimulus check, you can track the status of your stimulus check with the IRS, see some possible reasons why you don’t have a check yet, and what to do if your check never arrives.


Congress is expected to start work soon on a new coronavirus stimulus bill that may put up to $1,200 more in your wallet.

Angela Lang/CNET

What are the major proposals for the next stimulus check?

In a nutshell, the Democratic proposal for a second round of payments is the furthest along, with its Heroes Act passing a House vote in May. It is now with the Senate. The House package — if signed into law — would provide a second round of payments to individuals and families and extend enhanced unemployment benefits through the end of the year.

The White House plan is still taking shape, according to The Wall Street Journal, with President Donald Trump and his economic advisers looking to boost the US economy with incentives for workers to find or return to their preexisting jobs, eat at restaurants and take vacations, for example. 

Senate Republicans, led by McConnell, have sketched out parameters they want to follow for a second round, including a cap on the size of the bill and a stipulation it will be the final stimulus package related to the coronavirus pandemic.

More details on all of these potential approaches below.

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How much money could I get in a second stimulus check?

The Heroes Act passed by the House would include a second direct payment to individuals and households of up to $1,200 per family member, capped at $6,000 for a family of five. Neither White House officials nor McConnell have offered specifics on whether individual payments would be part of their proposals.

What does the House’s Heroes Act propose?

The Heroes Act seeks a wide range of benefits for households, renters and noncitizens who live in the US, according to a fact sheet from the House Appropriations Committee (PDF). Because it’s still a proposal, the details of the stimulus package are not guaranteed, but here are outlines of the bill.

Individuals: An eligible person would receive up to $1,200 if their adjusted gross income, or AGI, from their 2019 federal tax filing or 2018 filing (if you haven’t filed taxes yet) was less than $75,000 and incrementally decrease as the AGI goes up.

Children and dependents: Each dependent would qualify for a $1,200 payment, unlike the first stimulus bill, which capped up to three children at $500 apiece. It would apply to college students, children over 17, disabled relatives and a taxpayer’s parent.

Families: Households would qualify for a maximum payment of $6,000 total, capped at five family members at $1,200 apiece. The amount you’d be eligible to receive would decline the higher your AGI is.

Noncitizens: Those without a Social Security number could use an individual taxpayer identification number to qualify for a payment.

Unemployment benefits: The bill would carry over the current enhanced unemployment benefit of $600 per week (on top of states’ typical unemployment payout) to January 2021.

What do White House officials propose?

According to The Wall Street Journal, the White House will begin sketching out its own proposal for a second stimulus package as soon as this week. It’s expected to focus on initiatives that could help the US economy recover, such as incentives for workers to find jobs and for people to spend money in their town. 

The White House is considering reducing unemployment payments to $250 or $300 a week during the second half of the year, which Republicans believe will induce people who lost their jobs to find work. Currently, payments are $600 a week, as part of the CARES Act passed in March. The enhanced benefits expire July 31.

The White House is also looking at tax breaks for those who take a vacation in the US this year to encourage spending, the Journal reported. Japan has taken a similar approach to encourage domestic travel.

The White House has held back working on a second stimulus package until now. Presidential aides predict the terms of its package won’t be completed until July, according to the Journal.

What are Republican leaders proposing?

While the Senate decides in the coming weeks if it will take up another stimulus package, Republicans have started sketching out the parameters of their own. The Senate may wait till the end of July to start work on the package, Bloomberg reported.

How could a second stimulus check help the economy?

The first stimulus checks for up to $1,200 apiece were initially intended as a one-time payment to help the people and businesses affected by the coronavirus outbreak. That includes people who couldn’t work because they got sick, received limited work hours or lost their jobs when businesses closed as a measure to slow the spread of COVID-19. 


A second stimulus bill could be the last for Americans affected by the coronavirus pandemic.

Angela Lang/CNET

But Americans continue to show concern about the state of the economy since the the start of the pandemic, according to a poll by the Financial Times, with more than a third now saying a global slowdown is the biggest threat to the US economy.

Under that backdrop, and with high unemployment and a potential global recession ahead, some wonder if the first check did enough for individuals, families, businesses and those who are out of work and are looking at how best to distribute additional aid.

On June 4, the Labor Department reported 1.9 million Americans filed new unemployment insurance claims for the last week of May, with 21.5 million receiving unemployment benefits by the week of May 23. That’s actually a drop, with the national unemployment rate declining from 14.7% in April to 13.3% in May as states allowed businesses to reopen.

During a recent Senate hearing, the Chair of the Federal Reserve Jerome Powell called for additional economic relief. In May, the International Monetary Fund forecast a deep global recession that could become the worst since the Great Depression.

Is the IRS done sending the first wave of stimulus checks?

The IRS continues to send stimulus checks to eligible Americans. As of June 3, it had made 120 million payments as direct deposit to bank accounts, 25 million as mailed checks and 4 million as mailed prepaid debit cards, for 159 million payments total. If you didn’t get your money yet, here are 10 possible reasons for a delay. If you’re worried you were supposed to receive your check and didn’t, here’s what you can do


Even with some businesses starting to open, the US has reached an unemployment rate of 17.2%.

Angela Lang/CNET

What will it take to get a second stimulus check and what happens now?

For now, we wait. It’s clear that a second stimulus check won’t happen immediately. If the government won’t make a decision on moving ahead until closer to the end of June, it could take weeks after any legislation passes for a check to come your way.

To receive a second stimulus check, the proposed rescue package would need to pass both the House and the Senate before receiving a signature from President Trump. Only then could it take effect. After that, the IRS now has a system in place to organize and distribute those checks.

We’ll continue to update this story with new information as it arises. While the future of a second stimulus bill remains undecided, we’d like to share available resources about unemployment insurance, what you can do if you’ve lost your job, what to know about evictions and late car payments, and how to take control of your budget.