Third stimulus check qualifications: Are you eligible? Here’s what to knowMarch 7, 2021
Ais almost here. Will you qualify? And if you do, will it be for the ? Or will you be ? A big part of eligibility comes down to your earnings for the year, measured in — that’s now that the to include a to keep people considered high earners from (this is referred to as “ .”)
The good news is that theis also expanding to include more groups of people, including . That’s just one way you’d than you did with the . Plus, could also bring your family more money. One thing to be aware of is your eligibility could also be affected by whether the IRS uses your .
Here’s more information on how your, , and might affect your total payment, as well as details for , and families in . While we wait to see how qualifications could further change in the Senate, here’s how to (or .) This story was updated with new information.
More people could qualify for the third check, but also fewer
It sounds like a contradiction. A third stimulus check would open up more avenues for people to claim a payment — so long as their yearly earnings infall within the . This would for individuals and families who’d qualify for a full stimulus payment — it isn’t the same as it was for the first two rounds of checks approved in 2020. Check out the chart below for what we know now and to estimate how much you could get.
Third stimulus check: Proposed qualifications
|Qualifying group||What’s proposed|
|Individuals||An AGI of less than $80,000 to qualify for any payment amount|
|Head of household||An AGI of less than $120,000 to qualify for any payment amount|
|Couple filing jointly||An AGI less than $160,000 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, and up for discussion in third check|
|People who owe child support||Excluded under CARES, but included in second check|
Not covered by law
|Non-US citizens||“Resident aliens” aren’t included|
|Noncitizens who pay taxes||Possibly, depending on “mixed-status” rules (more below)|
Dependents would receive the entire $1,400 amount
With the second stimulus check approved in December, each— age 16 and younger — added $600 each to the household payment. There was no cap on how many children you could claim for a payment. That was an increase in the amount per child from the $500 that was part of the first check approved in March as part of the CARES Act, even as the per-adult maximum decreased from $1,200 per adult to $600 in the December stimulus plan.
If you’re a parent of a baby born in 2020,— that is if you never received the first two payments for your new dependent last year. And now, the new bill would send $1,400 to dependents as part of a .
Overall, more dependents of any age could get a $1,400 payment
Not only would dependents get $1,400 instead of $500 or $600, but President Joe Biden’swould open up eligibility requirements to for the first time. 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 becomes law, would include about 13.5 million adult dependents who weren’t counted before, according to the People’s Policy Project.
Rules for ‘mixed-status’ households could still change before the details are finalized
In the, a US citizen and noncitizen spouse were both as long as they each 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 . That potentially includes 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 didn’t qualify for the first two checks, but some might this time
The CARES Act made a Social Security number a requirement for that first stimulus payment. Though other proposals would’ve 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 in December as well.
Congress has proposed expanding the qualifications to include all blocking stimulus payments from going to undocumented immigrants. (This has no impact on eligibility for .) On March 6, the Senate blocked an amendment to keep undocumented immigrants from receiving a stimulus check.— where at least one member has a Social Security number — for a third check. However, on Feb. 4, the Senate passed an amendment
What to know about past-due child support and stimulus checks
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 in jail or prison could be eligible for stimulus money
After months of back and forth, the IRS was ordered by a federal judge to aren’t 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.. They
Your next stimulus payment may be based on this if you’re an older adult per the IRS or are retired
Many, received a first stimulus check under the CARES Act and are eligible for a second one — and likely a third as well. 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.
Non-filers have to take an additional step this year: File taxes to get a missing stimulus check
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.
SSI and SSDI recipients would remain eligible for stimulus payments
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 sent in the mail. 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 these qualifications would remain the same with a potential third check., these recipients again
Here’s how taxes and stimulus check eligibility are connected
For most people,. For example, the most important factor in setting income limits is your , which determines how much of the total stimulus payment you would be entitled to receive. The same will hold true with a third stimulus check.
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||$80,000 or more|
|Head of household||Less than $112,500||$120,000 or more|
|Married couple filing jointly||Less than $150,000||$160,000 or more|
Here’s what we know about whetheror if it will look at your 2020 tax returns to set your check amount — and what happens if you get too much money or not enough because of it.
For more information, here are thetoday, everything you need to understand about and .