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Second Round of Stimulus Checks: Who Is Eligible for $600 Payments?

Millions of adults and dependent children are in line for another batch of economic impact payments

A treasury check on a table

William Sawalich / Alamy Stock Photo

En español | To aid families that continue to struggle financially during the COVID-19 pandemic, Congress passed a new $900 billion economic stimulus bill on Dec. 21. In addition to expanded unemployment benefits and funding to assist renters who face eviction, the bill will issue economic impact payments — also called stimulus checks — of up to $600 to eligible individuals. President Trump signed the bill into law on Dec. 27.

The criteria for who gets a payment and when the payments go out are similar to those used earlier this year for the first round of stimulus checks issued through the CARES Act. However, there are also significant differences. Here's what you need to know about the second batch of stimulus checks.

How much will I get and who is eligible?

The maximum amount for this second round of stimulus checks is $600 for any eligible individual or $1,200 per eligible couple who file taxes jointly. For a family of four, that would include $600 for each eligible dependent, or $2,400 in total. (In the first round, adults were eligible for $1,200 and dependents were eligible for $500.) Individuals who reported adjusted gross income (AGI) of $75,000 or less on their 2019 tax returns will receive the full $600 ($150,000 or less AGI for couples filing jointly; $112,500 or less for heads of household). For people who earned more than those amounts, the size of the check will gradually decrease by $5 for every $100 earned over that threshold.

You can figure out the size of your payment by using AARP’s Second Stimulus Check Calculator

Because the maximum size of a stimulus check this time is half the size of the first round, some people who earn more than $75,000 per year and got a check in the spring may not get one in the second round. Roughly estimated, individuals who earned more than $87,000 in 2019, couples that made more than $174,000, and head of households who earned more than $124,500 may not get payments in the second round.


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This second round uses similar criteria to determine which dependents are eligible. That means only children age 16 and younger claimed on a 2019 tax return qualify. But this time, each eligible child dependent will receive a payment worth $100 more than the first round. Adult dependents are not eligible for a stimulus check if they were claimed as a dependent on a 2019 tax return.

For this second round, if you earned significantly less in 2020 than you did on your 2019 tax return, you could be eligible for a refundable tax credit for the amount you should have received for your second payment when you file your 2020 tax return.

There also is a change that could make some people who weren't eligible for a stimulus payment last spring eligible for one in the second round. To get a payment the first time around, you had to have a Social Security number. But this made some households ineligible if, for example, couples filed taxes jointly but one spouse didn't have a Social Security number. This time, a spouse with a Social Security number filing jointly could get a $600 payment even if the other spouse doesn't have a Social Security number. A child with a Social Security number is eligible for the $600 even if a parent doesn't have a number.

Do I need to file a 2019 tax return to get this stimulus payment?

Last spring, one of the big questions was what did people who did not file a 2019 tax return need to do to get their stimulus payment, especially people for whom Social Security benefits were the primary source of income. Now that the government has been through the process of issuing payments once already, things might run more smoothly.

If you did file a 2019 tax return, the Treasury Department has all of the information it needs to determine your eligibility for a stimulus payment. But if you didn't file a return last year, there are still several ways the government can send the payment to you automatically. If you used the non-filer portal the government set up last spring on IRS.gov for the first round of economic impact payments, you should get this second payment without having to take any additional steps.

What about Social Security recipients and other federal beneficiaries?

You also will not need to take any additional steps to receive the second stimulus payment if you already receive federal benefits through any of these programs:

  • Social Security Old-Age retirement, Survivors or Disability Insurance
  • Supplemental Security Income (SSI)
  • Railroad Retirement Board beneficiaries
  • Veterans Affairs (VA) benefits

AARP played a big role last spring in getting the government to issue stimulus payments automatically to recipients of Social Security, SSDI, SSI, VA and other federally run benefits.

When will I get my stimulus payment?

Last spring, most people who filed 2019 tax returns showing they were eligible for a stimulus check received their money by direct deposit or mail within weeks of when the law was passed. For many others, however, it took months as the government sorted out how to get people who didn't file tax returns their payments.

There is reason to think there will be fewer — and shorter—delays this time. In most cases, the government will be able to reuse the payment information it has already gathered. On Dec. 29, the IRS and Treasury Department announced that the first batch of direct deposits for these payments were being issued on that day and paper checks would start to be mailed on Dec. 30. 

While the Treasury Department generally will send a paper check to those people who are not receiving the payment through direct deposit, in some cases the agency may send a debit card instead of a check. Some people who received a paper check in the first round of payments may get a debit card this time and vice versa. If you receive a debit card, it will have the Visa name on the front of the card and the issuing bank, MetaBank®, N.A. on the back.

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