Who may qualify for a $1,400 stimulus check, based on income, age, dependents, moreFebruary 15, 2021
With thenow in the rear-view mirror, the House and Senate can focus more intensely on President Joe Biden’s that would come with a of . The House has already made significant headway on the package, filling in many of the details for who would qualify for a payment, including for and families with .
Congress is moving to, shortly after its goal of getting the bill to Biden to sign by March 14. In addition to expanding who might qualify for a check this time, Congress is looking to rework by . With the new payments, you could this time than last. But one unknown is whether Congress will base your payments on , and that could affect your eligibility.
Stimulus check qualifications take into account a wide range of factors, including your, , , and . Congress may also set up specific rules and exceptions for and some people in . If you still need to or possibly even , now’s the time to start. Read on for everything to know about eligibility and your stimulus money. This story was recently updated.
More people could qualify for the next stimulus check, based on House Democrats’ 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 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 earning $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 with both filers receiving nothing from the first two checks. Of course, nothing is final until a new bill is passed and signed into law.
Dependents may be eligible for the full $1,400
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 from $1,200 per adult to $600.
The new proposal would send $1,400 to dependents in the.
Overall, more dependents of any age may qualify
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” aren’t included|
|Noncitizens who pay taxes||Possibly, depending on “mixed-status” rules (more below)|
Rules for ‘mixed-status’ families may shift 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 weren’t eligible for the first two payments, but may be this time
The CARES Act made a Social Security number a requirement for a 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 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
Past-due child support and a third stimulus check: What to know
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 incarcerated people are eligible for stimulus checks
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, though this is more likely to continue as a matter of interpretation, as it is now.. They
Your next stimulus payment could depend on this 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 must take an extra step: File taxes this year to get 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.
People getting SSI or SSDI usually qualify 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 . 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’s approved., these recipients again
This is the way your taxes and stimulus payment 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 amount you could receive. The same will hold true with a third stimulus check.
Here’s what we know about whetheror 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 .