If you’re having trouble wrapping your head around the ins and outs of— especially what might change or stay the same , you’re not alone. It’s complicated stuff, even for experts, and constantly shifting. To make matters worse, could actually become even more convoluted . Another stimulus package could and some people could even get . It all depends on what makes it into .
We’re here to help you decode what it all could mean, based on a long list of factors that include your, , number of , , , and the of people in a household. Some people may even be able to claim a catch-up check from the first round, or if they’re . Read on for what to know. This story was recently updated.
Every new qualification we could see in a new bill
The final results for the presidential and congressional elections are still up in the air — and may be for days — and couldof an . But we can look over the most recent proposals from Republicans and Democrats to get an idea for which requirements could change from the first CARES Act to a second economic assistance bill.
Definition of a dependent: The CARES Act capped eligibleas kids age 16 and younger. One proposal this summer — child or adult — you could claim on federal taxes. That means families with older kids or at home could potentially see $500 more in their check total per individual.
More money per child dependent: The current White House proposal would keep the definition of a child dependent, but increase the sum per individual to an extra $1,000 on the final household check. Here’s how toand .
Stop seizing overdue child support: The Democrats this summer pushed to let a parent who owedreceive a payment; the original CARES Act allowed the government to .
More clarity on people who are incarcerated: After months of back and forth,and eligible for a payment. A Republican plan this summer would have excluded the payments.
Noncitizens: The CARES made an Social Security number a requirement for a payment. Other proposals would have expanded the eligibility to those with an ITIN instead of a Social Security number because they are classified as. A Republican plan this summer would have excluded those with an ITIN.
The income limits from the first check might apply to the next
Under the CARES Act, here are the income limits, based on yourfor the previous year, that would qualify you for a stimulus check, assuming you met all the other requirements. (More below for people who don’t normally file taxes.)
- You’re a single tax filer and earn less than $99,000
- You file as the head of a household and earn under $146,500
- You file jointly with a spouse and and earn less than $198,000 combined
Who could qualify for a second stimulus check
|Qualifying group||Likely to be covered by the final bill|
|Individuals||An AGI of less than $99,000 (Same as CARES)|
|Head of household||An AGI of less than $146,500 (Same as CARES)|
|Couple filing jointly||An AGI less than $198,000 (Same as CARES)|
|Dependents of any age||No limit (HEALS proposal; up to 3 in Heroes)|
|US citizens living abroad||Yes, same as CARES|
|Citizens of US territories||Likely, with payments handled by each territory’s tax authority (CARES)|
|SSDI and tax nonfilers||Likely, but with an extra step to file (more below)|
|Uncertain status||Could be set by court ruling or bill|
|Incarcerated people||Excluded under CARES Act through IRS interpretation, judge overturned|
|Undocumented immigrants||Qualifying “alien residents” are currently included under CARES|
|Disqualified group||Unlikely to be covered by the final bill|
|Noncitizens who pay taxes (ITIN)||Proposed in Heroes Act, unlikely to pass in Senate|
|Spouses, kids of ITIN filers||Excluded under CARES Act, more below|
|People who owe child support||Included in Heroes proposal, but excluded under CARES|
Even if you don’t pay taxes, they factor into stimulus eligibility
For most people,. For example, the most important factor in setting income limits is , which determines how much of the $1,200 for individuals and $2,400 for married couples you could receive if you meet the other requirements.
Ourcan show you how much money you could potentially expect from a second check, based on your most recent tax filing. Read below for your eligibility if you don’t typically file taxes.
Retired or older adults might have other rules and exceptions
Many, received a first stimulus check under the CARES Act, and would likely be eligible for a second one. For older adults and retired people, factors like , , your pension, if you’re part of the (more below) and whether the IRS considers you a dependent would likely affect your chances of receiving a second payment.
If you share custody or owe child support, then what?
Due to a specific rule, if you and the other parent of your child dependent alternate years claiming your child on your tax return, youin your first stimulus check, and in the second if that rule doesn’t change.
If you owe child support, your(the amount you owe).
What to do if you didn’t file a federal tax return in 2018 or 2019
People who weren’t required to file a federal income tax return in 2018 or 2019 mayunder the CARES Act. If that guideline doesn’t change for a second stimulus check, this group would qualify again. Here are reasons you might not have been required to file:
- You’re over 24, you’re not claimed as a dependent and your income is less than $12,200.
- You’re married filing jointly and together your income is less than $24,400.
- You have no income.
- You receive federal benefits, such as Social Security or Social Security Disability Insurance. See below for more on SSDI.
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 hasto use its Non-Filers tool through Nov. 21.) who may fall into this category but who haven’t requested their payment.
Can you still get a stimulus payment with SSI and SSDI?
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 paper check. SSDI recipients also need to use the IRS’ Non-Filers tool to request a payment for themselves and dependents.
For more, here’s what we know about the. We also have information on , , and .