Stimulus check requirements: Who may or may not qualify for a new relief payment

Talks on passing another rescue package with a second stimulus check for up to $1,200haven’t yet resumed, leaving the qualifications to get that money still undecided.

“I don’t want to have to wait until the (continuing resolution) at the end of September,” House Speaker Nancy Pelosi told Politico on Tuesday. “More people will die, more jobs will be lost. We have to try to come to that agreement now.”

Treasury Secretary Steven Mnuchin said he hopes to resume talks on Saturday when the House returns to vote on the USPS Bill. Negotiators seem willing to pick up the debate, but the Senate recess is expected to continue as planned until after Labor Day.

When and if they do, one area under consideration is making more people eligible for a stimulus check than for the first round of direct payments, with at least one group more likely than not helping contribute to a family’s larger check overall. Keep reading for everything we know. We update this story often.

Who may qualify for the second stimulus check

While we won’t know for certain who will qualify for a new stimulus payment until legislation is passed, we can draw from the first stimulus check’s eligibility requirements to get an idea of who may or may not get a second check, including the income limits and number of dependents.

Both sides are using adjusted gross income, or AGI, to determine the payment amount for individuals and families, which would cap at $1,200 for individuals and $2,400 for married couples.

Who might qualify for the next stimulus check

Qualifying group	Likely in final bill	Unlikely in final bill
Individuals	An AGI of less than $99,000, under all proposals.	X
Heads of household	An AGI of less than $146,500, under all proposals.	X
Couples filing jointly income	An AGI of less than $198,000, under all proposals.	X
Dependents of any age	No dependent limit specified, under HEALS Act.	Up to three dependents, under the Heroes Act.
Noncitizens who pay taxes	X	Suggested in the Heroes Act, which was not taken up by the Senate.
People who are incarcerated	X	The CARES Act excludes this group.
People who owe child support	X	The CARES Act excludes this group. The Heroes Act would include them.

Dependents who might qualify for a second payment

The CARES Act took a narrow approach to defining a dependent and allowed a $500 payment only for a child age 16 or younger in the family. The HEALS and Heroes Acts both take a broader definition and allow any dependent you claim to qualify for a payment — college students, children over 17, disabled relatives and taxpayers’ parents.

The Democratic plan as outlined in the Heroes Act would cover $1,200 each, for up to three dependents, so a family of five people could receive a maximum of $6,000. We don’t think this is a likely outcome in the final bill, considering it has fizzled in the Senate without being addressed.

Like the CARES Act, the Republican plan outlined in the HEALS Act would provide $500 for each dependent, but doesn’t specify a cap on the number of dependents.

Who didn’t receive a stimulus payment under the CARES Act

For the payments authorized under the CARES Act, which became law in March, these groups were excluded:

• Single taxpayers with an adjusted gross income above $99,000
• Heads of households with an AGI over $136,500
• Married couples with an AGI over $198,000
• Children over 16 and college students under age 24
• Nonresident aliens, as defined by the US government

How long until Congress decides who will qualify

Right now, the timeline for discussions is up in the air. Talks between Republican and Democratic negotiators on the new stimulus package stalled, but the two sides have signaled they are willing to pick up the debate. The Senate is on break until after Labor Day but the House is returning to work, so the chances of a deal in August seem unlikely, but an agreement in September is now in the picture. After the sides reach a deal, the stimulus bill won’t take effect until the president signs it into law. 

While we won’t know for sure until the two sides come together on the next stimulus package, we have a good idea of when a check could be sent if a new bill passes.

For more, here’s what we know about the major proposals for a second stimulus package. We also have information on unemployment insurance, what you can do if you’ve lost your job, if you could receive two refund checks from the IRS and what to know about evictions.

Shelby Brown contributed to this report.