Stimulus check qualifications: How to find out if you’re eligible for $1,400 or more
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Stimulus check requirements for the third round are more generous and stringent at the same time. We’ll explain.
Sarah Tew/CNET
The have been delivered to roughly 127 million people by and as paper checks and . A third wave of checks is to nearly 30 million more people. However, if you weren’t among the groups who received their , you’re likely questioning whether you qualify this time. If you do, here’s and what to do .
The eligibility requirements for the third payment have changed significantly from the . For example, there are and rules for , and that can affect the size of your payment. We’ll walk you through what those qualifications are to help you determine whether you should expect a check — or whether you’ll be . (And the amount to expect.)
Additionally, here’s how to or if you need to. We’ll also explain some other, less common scenarios, with details for , and families in . (By the way, here’s what we know about a .) This story was recently updated.
Important: Third stimulus check eligibility details
The third stimulus checks now going out opens up more avenues for people to claim a payment — so long as their yearly earnings in fall within the . These new payments come with for individuals and szybkie lajki tylko na lajki.Zwieksz fanów na fanpage facebook 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 more and to estimate how much you could get.
Third stimulus check: Qualifications
Qualifying group |
What the law says |
---|---|
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 of 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 |
Yes, included this time |
People who owe child support |
Checks can’t be garnished to cover past due payments (more below) |
Disqualified groups |
Not covered by law |
Non-US citizens |
“Resident aliens” aren’t included |
Noncitizens who pay taxes |
Depends on “mixed-status” rules (more below) |
Do my dependents qualify for the full $1,400 amount with this check?
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 a payment. That was an increase in the amount per child from the $500 that was part of the first check approved last 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.
This time, if you’re a parent of a baby born in 2020, if you never received the first two payments for your new dependent last year. The new law sends $1,400 to dependents as part of a — and that includes babies who are born anytime in 2021.
Watch this:
Stimulus check 3: How much money you’ll get
Restrictions for dependents getting the full $1,400 payment
Dependents will get $1,400 instead of $500 or $600 and the new opens 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 makes college students, and people of any age with certain disabilities entitled to receive money as part of the household total.
That change loops in about who weren’t counted before, according to the People’s Policy Project.
Citizenship: What if the IRS considers my household mixed-status?
In the , a US citizen and noncitizen spouse were both as long as they 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.
The final qualifications for a third stimulus check have been settled.
Sarah Tew/CNET
includes where just one member has a Social Security number for a . That potentially includes families with citizen children and noncitizen parents.
In the CARES Act from last March, households with a person who weren’t eligible to receive a stimulus check, even if one spouse and a child were US citizens.
Eligibility details for noncitizens and the third stimulus payment
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.
The new bill expands the qualifications to include all — where at least one member has a Social Security number — for a third check.
The definition of a child dependent didn’t change with a second stimulus check, but it does with the third.
Angela Lang/CNET
Can past-due child support affect my stimulus money total?
If you owed child support, your (the amount you owed). With the second check, those who to cover past-due payments. The new bill with the $1,400 payment , so your check could be garnished to pay a private past-due debt.
One more exception for people who are missing payments of any amount and need to 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 , 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.
Yes, inmates can get the third stimulus payment
After months of back and forth, the IRS was ordered by a federal judge to . They are included in the new law, which means they’ll qualify for the $1,400 check.
The IRS classifies me as an older adult. Is there anything I need to know?
Many , received a first stimulus check under the CARES Act and were eligible for the second one — and are for the third as well. For older adults and retired people, factors like , , your pension and if you’re part of the (more below) will affect whether you receive a stimulus payment.
The third stimulus check makes older adult dependents eligible to receive more money on behalf of the household. Here’s how to determine if you .
How much stimulus money you could get depends on who you are.
Angela Lang/CNET
Nonfilers: You’ll need to file your 2020 tax return this year to get the right stimulus check amount
If you need to add a dependent the IRS doesn’t know about, you’ll need to to claim them. You may also be able to get missing money for the first two checks as well, by .
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:
- 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 . See below for more on SSDI.
Social Security, SSI, SSDI, veteran beneficiaries: What you need to know about eligibility and your stimulus payment
The majority of people who are part of the . This time, many will get their payments on their existing , though some may receive stimulus money a different way. Consult our guide for more on what to know and do, including if you need to by filing a tax return for 2020.
Recipients of the first check received their payments through a non-Direct Express bank account or as a sent in the mail. In the , these recipients again , along with Railroad Retirement Board and Veterans Administration beneficiaries.
Taxes and stimulus check eligibility: The two go hand-in-hand
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 holds true with a third stimulus check.
$1,400 stimulus check 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 whether or if it will look at your 2020 tax returns to set your check amount — and what happens if you or not enough because of it.
For more information, here’s , every way the and what to know about the .