Aof is looking more and more likely every day. A , compared to the nine months Americans had to wait to receive the . A third check could also change the qualifications in this next payment, in ways that could either as part of an effort to or than last time.
While senators enter their final day of the Democratic proposal (PDF), which would transform the rules for and families with .(here’s how to ), members of the House, White House officials and economists are moving forward with the most recent
Stimulus check qualifications rely on a complex blend of factors, including your, , and . There may also be specific rules and exceptions for and some people in . If you still need to or potentially even , now is that time to start. Read on for everything to know about eligibility and your stimulus money. This story was recently updated.
More people would qualify for stimulus checks this time, based on Democrats’ latest proposal
The latest Democratic proposal (PDF) would keep the income limit for individuals and families who’d qualify for a full stimulus payment the same as it was for the first two rounds of checks.
But because the third stimulus checks are expected to your AGI.— $200 more than the — some people who didn’t qualify for any previous stimulus money may actually get a small check this time. Here’s the income limit to qualify for the full amount under this plan, based on
Stimulus check proposal for income limits
|Full $1,400 per person maximum (based on AGI)||Not eligible (based on AGI)|
|Single taxpayer||Less than $75,000||$100,000 or more|
|Head of household||Less than $112,500||$150,000 or more|
|Married couple filing jointly||Less than $150,000||$200,000 or more|
In the first round, single taxpayers earning $99,000 or more received nothing. According to, if a bill passes with the most recent guidelines, a single taxpayer $99,000 would receive a check for $56.
Likewise, those who file jointly and earn $198,000 would get $112 this time, and heads of household earning $137,000 would get $486, compared to both filers receiving nothing from the first two checks. Of course, nothing is final until a new bill is passed and signed into law.
Would dependents be eligible for a full $1,400 in stimulus money this time?
With the second stimulus check, each— age 16 and younger — added $600 apiece to the household payment. There was no cap on how many children you could claim for a payment. That total increased the amount per child from $500 in the first check, even as the per-adult maximum decreased.
The new proposal would send $1,4000 to dependents regardless of age in the.
More dependents of all ages could qualify overall
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 as part of the household total.
That change, if it were to happen, would include roughly 13.5 million adult dependents who weren’t counted before, according to the People’s Policy Project.
Here’s who could potentially qualify for a third stimulus check, if the proposal is approved and a bill is signed into law.
Third stimulus check: Proposed qualifications
|Qualifying group||What’s proposed|
|Individuals||An AGI of less than $100,000 to qualify for any payment amount|
|Head of household||An AGI of less than $150,000 to qualify for any payment amount|
|Couple filing jointly||An AGI less than $200,000 to qualify for any payment amount|
|Dependents of all ages||$1,400 apiece, no cap — but only if guardians make under the above limits|
|Families with mixed US citizenship||Provided they meet other qualifications|
|US citizens living abroad||Yes, same as first two checks|
|Citizens of US territories||Yes, same as first two checks, 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 second check|
Not covered by law
|Non-US citizens||“Resident aliens” are not included|
|Noncitizens who pay taxes||Possibly, depending on “mixed-status” rules (more below)|
‘Mixed-status’ family rules could change again for the third check
In the, a US citizen and noncitizen spouse were both as long as both had Social Security numbers. This has been referred to as a “mixed-status” household when it comes to citizenship. Households with were left out of the first check.
would where just one member has a Social Security number for 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.
Noncitizens were not eligible for the first two checks, but might be for third
The CARES Act made a Social Security number a requirement for a first stimulus payment. While other proposals would have expanded the eligibility to those with an ITIN instead of a Social Security number because they’re classified as, this group was excluded in the final bill text that authorized a second stimulus check as well.
Biden has proposed expanding the qualifications to include all blocking stimulus payments from undocumented immigrants. (This has no impact on eligibility for .) While the amendment isn’t binding, it seems unlikely that senators will change their position now that they’re on the record, according to The Hill.— where at least one member has a Social Security number — for a third check. However, on Feb. 4, the Senate passed an amendment
What we know about past due child support and a third stimulus check
If you owed child support, your(the amount you owed). With the second check, those who to cover past-due payments. It’s unlikely we’ll see the third stimulus check walk this back.
However, one exception seems to be for people who are missing payments of any amount and need to Taxpayer Advocate Service, an independent government agency that works with the IRS. That means that all or part of stimulus money received this way could potentially be seized to pay outstanding debts. The Taxpayer Advocate Service is urging the IRS to keep rebate credits intact.in their taxes. The protection from garnishment laid out in the second check doesn’t extend to catch-up payments made in the Recovery Rebate Credit, according to the
Current law says people who are imprisoned are eligible to get a stimulus check
After months of back and forth, the IRS was ordered by a federal judge to 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.. They are
This might affect your next stimulus payment if you’re an older adult or retired
Many, received a first stimulus check under the CARES Act and are eligible for a second one — and likely a third, too. 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 stimulus 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 have to take an additional step and file taxes this year to get their stimulus checks
With the second payment, the IRS used 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.
Most people who receive SSI or SSDI are usually qualified for a stimulus payment
Those who are part of the 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 CARES Act. Recipients wouldn’t receive their payments via their
In the qualified to receive payments, along with Railroad Retirement Board and Veterans Administration beneficiaries. It’s likely that these qualifications would remain the same with a third check, if one is approved., these recipients again
Your taxes and stimulus payment eligibility are connected this way
For most people,. For example, the most important factor in setting income limits is your , which determines how much of the total amount you could receive. The same will hold true with a third stimulus check. It’s unknown if Congress will use your 2019 tax information to determine your payment or look at your 2020 tax returns to set your check amount, but the most recent Democratic proposal calls for factoring in the most recent tax returns on file.
For more information, here are thetoday, everything you need to understand about and .